Archive for the ‘Credit Report’ Category.

Your credit score may be to blame for high insurance premiums

Your credit score may be to blame for high insurance premiums
If you own a home, there's yet another reason to maintain good credit: Insurance companies may give significant weight to your credit history when setting rates for homeowner coverage. While insurers' use of consumer credit in setting rates is nothing …
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UAE residents can get credit report online by year end
The head of the country's nascent credit bureau said residents would be able to get a copy of their credit report online by the end of the year. “We are hoping that the online service will be launched in the fourth quarter this year, in which customers …
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Study: Credit report not why your Fla. home premium tops US
Company practices and state rules vary, but a credit score can significantly affect a driver's car insurance bill, for example. That might seem like a great system to someone with strong credit, but a pretty unfair one to an excellent driver who …
Read more on Palm Beach Post (blog)

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Follow these simple steps to check on your credit history

Follow these easy steps to check your credit rating
Your credit score has actually plenty of impact on your financial life, from whether it is possible to lease a flat towards interest rates you pay on loans. So tracking your credit record is essential to complete. Fortunately, it's relatively easy to obtain your …
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The reason why You Can't Erase Your Credit Score
Sadly, there’s no restart option regarding your credit history. Declaring personal bankruptcy is the closest thing there was to a credit do-over, but simply because you've damaged all or most of your financial obligation doesn't suggest you have got a clear record …
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Bank of America and JPMorgan Chase consent to Erase Debts From Credit
Two of the country's biggest banking institutions will finally place to sleep the zombies of consumer debt — expenses being still alive on credit file although legally eliminated in bankruptcy — potentially supplying relief to over a million People in the us. Bank of …
Read more on Brand New York Times

When to Freeze or Thaw Your Credit
Chaplin says that a credit freeze stops unauthorized brand new task in your credit file, such as for instance a credit query for an innovative new bank card or loan. However, it doesn't stop somebody who currently has actually your credit card or banking account information from utilizing …
Find out more on DailyFinance

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Credit Report Issues and How You Can Fix Them to Increase Your Score

There are several issues that could damage your rating and at the same time be obstacles to your accessibility to loans. These could come in form of bankruptcies, collection accounts, missed or late payments, repossessions, foreclosures, charge-offs, or even a misspelled name or mistaken address. Yes, they do have the potential to damage your score, and this is not good considering that it will deny you the best of chances when it comes to getting funds that are needed at crucial moments.

What you should do in instances such as this is to begin a restoration of your credit file. This is sort of a make-over for your report. Remember that it is the information that the credit bureaus get from creditors that they enter into your file. As a result, you should make sure that you have a recent copy of your report from the website annualcreditreport dot com, where you will get a three-fold document: Experian, Transunion, and Equifax.

Understand that a report containing errors will reduce your chances of getting good loans and impressive interest rates from financial institutions. This is one reason why you do not want to neglect or ignore your file, and even more when you plan to get a loan in the near future. Get a marker or highlighter and highlight the negative items on your report that needs to be fixed. When this is done, you will begin a process known as disputing with the bureaus. This will involve writing dispute letters to the reporting agency that has the erroneous or negative info listed in your file.

Bureaus have a maximum of 30 days to start and begin their investigation from the moment they get your letter. This ensures that your file is catered for, and if not done within the 30-day period they should delete the stated account in your file.

Another means which you can resolve issues on your file is to solicit the services of a restoration agency. Obtaining a DIY restoration kit will teach you how to handle it yourself.

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Fidelity Capital Releases Report for First Quarter of 2015

(PRWEB) April 16, 2015

Fidelity Capital, a company dedicated to providing simple and trustworthy equipment leasing and financing services for a variety of industries (mainly for the technology, cloud computing, medical and manufacturing sectors), recently released its first quarter report for 2015.

The numbers show growth and improvement in almost every area of service that Fidelity Capital provides. Small ticket applications (deals that range from $ 75,000 to $ 250,000) are up from 1st quarter of 2014 by 22%. The approval rate on those transactions has increased from 87% to 91% year over year. In the technology, cloud computing and medical sectors, Fidelity has seen even more growth than they ever imagined.


Medical Equipment Financing & Leasing – a slight increase in applications in the first quarter over last year, with 89% Approval for medical offices, hospitals, doctors…

Technology Equipment Financing & Leasing – Growth in the Technology sector has been steady with an increase of 10% in applications from last year. We have been able to get 92% of those deals approved and funded.

Transportation Equipment Financing & Leasing – With our target market expanding into different sectors we have seen a 84% approval ratio with the trucking industry. The industry includes long and short haul trucking.

Manufacturing Equipment Financing & Leasing – It seems that US Manufacturing has increased recently with a 27% increase in applications for equipment such as CNC Machines (mills, lathes etc) along with semiconductor manufacturing equipment. Approval ratio in this space was 92%.

Dental Equipment Financing & Leasing – This sector hasn’t shown us much growth it has actually had a slight decline of 5%, we are still optimistic that this sector will show some growth after Tax season.

Cloud Computing – Of all sectors, this has been Fidelity Capital’s forte. Having had a presence at the web hosting convention in 2014 and a diverse array of customers in this space, Fidelity Capital has been able to get 96% of these deals approved.

“With the increase in approvals overall in the first quarter, we are seeing more and more customers come through the door,” said Alan Eppstein, Account Executive at Fidelity Capital. “We have also shortened the process that customers have to go through to seek an approval for their financing or leasing needs. This means we’re giving a better customer experience to more customers overall, and the results speak for themselves in our first quarter report.”

Fidelity Capital has also had some significant internal growth. Sales staff has increased by 10%, and there have been many new upgrades to the company’s IT infrastructure. A new plan will help the company to hire a new sales team to increase its customer service capabilities. With specific targets in mind, this team combines a healthy blend of young and more experienced reps with the shared goal of helping to increase Fidelity Capital’s portfolio across all industries and service types.

Additionally, Fidelity Capital has increased the amount of services that it provides to customers. The company recently began working with customers in need of working capital. While plenty of “leasing companies” offer working capital, typically they act as a broker. Fidelity Capital has the means to handle these deals with their own funds but can also mitigate risk by brokering the transaction, or a part of it. Being a privately held company with independent funds and lines of credit, Fidelity has done a great job of adapting to what the market needs.

Fidelity’s customers range from startup tech companies to established conglomerates. With the recent growth in the technology, cloud computing and medical sectors over the past five years, Fidelity has done a great job of keeping up with the competition and separating themselves by allowing their customers to work with them for all of their financing needs. Venture backed companies can come to them for venture debt at competitive market rates, while an established medical group can simply pick up the phone and have one of the reps at Fidelity Capital get them approved at prime rates within two hours for equipment leasing/equipment financing or working capital.

With more than 16 years in business, Fidelity Capital has improved its foothold on the leasing and financing market. The company continues to expand and improve the customer experience in all of its services. With the United States economy growing at a blistering pace, Fidelity Capital has shown the ability to stay ahead of the demand and meet the needs of its customers.

For more information, including tools to help customers understand leasing and financing and to submit a request for a capex budget, visit http://www.fidelitycapitalonline.com.







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Intense Inquiries. How to Remove intense Inquiries from credit file in 1 month!

tricky Inquiries. How-to eliminate intense Inquiries from credit report in thirty day period!

Removing Hard Inquiries from your own credit history is not difficult and will increase your credit history in 35 times roughly! If you do not have the time for you wait and want all of them al…

A new study shows up to 40 million consumers have actually a blunder on their credit history and Steve Kroft discovers it’s difficult to buy them fixed.
Movie Rating: 4 / 5

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Bad Credit Auto Lender, Answers How to Trim a Subprime Auto Loan Rate in New Article


Seattle, WA (PRWEB) February 13, 2015

Getting a subprime auto loan may be difficult or may result in a buyer paying a higher interest rate on the loan but the newest article from Complete Auto Loans can make it a little easier. The bad credit auto lender shares 5 steps to take to help your chances of getting a subprime auto loan.

Get approved for a car loan in as little as 60 seconds: https://completeautoloans.com/application-form/.

“Review your credit report to determine if any negative items can be fixed in the short term. Watch for small balances reported by collection agencies that you may be able to pay off or delinquent credit card payments that you can bring up to date. The best thing to do before applying for a loan is to show the lender that you are making a serious effort to improve your overall credit.” Says Complete Auto Loans. Read the full article to learn all the steps to trimming your subprime auto loan.

To help consumers save even more, Complete Auto Loans also offers an online credit score tool that has saved many borrowers thousands of dollars. Upon completing the 60-second car loan application on their website, consumers will be given yet another chance to save thousands of dollars on their loan. For more information, visit Complete Auto Loans’ website.

About Complete Auto Loans

Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.







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Anytime Collect 2015 B2B Debt Collection Software Now Available from e2b teknologies


(PRWEB) February 05, 2015

A new version of Anytime Collect, the popular debt collection software from e2b teknologies, is now available. Anytime Collect 2015 is highlighted by new features to help companies manage business credit with email-based alerts and a statistical cash forecasts.

“Anytime Collect 2015 is a milestone release for our customers and partners,” said e2b teknologies president Lynne Henslee. “Business credit management can be difficult for many businesses. This release provides a much deeper understanding of what’s happening in accounts receivable with new features to manage and monitor credit risk.”

Anytime Collect 2015 includes features to track business credit scores from credit bureaus, internal credit scores, notifications for periodic credit reviews, and color-coding to draw attention to high risk accounts. Further, new document management features are helpful for storing related credit reports, business credit applications, and similar information in a centralized location.

The dashboard has been improved to provide a projected cash receipts forecast which uses customer payment history from the company’s ERP accounting software to predict when open invoices will be paid providing new insights into cash flow forecasts critical to working capital management.

“Accounts receivable shouldn’t be an island in the organization,” Henslee said. “We’ve added a new alerts module which generates email-based notifications to connect everyone with critical account, dispute, and receivable information. Alerts can be setup for virtually anyone including accounting, project management, customer service, shipping, manufacturing, senior executives, or even external bookkeepers or outside sales representatives.”

Additional features available with Anytime Collect 2015 include:


    Embedded Customer Support including a Knowledgebase and Online User Community
    Payment Schedules for management of invoices with special terms or payment plans.
    Document Management with centralized storage for account and invoice documents and files.
    Guest Portal Hyperlink for automated access to a secured self-service portal for customers.
    Procedures providing instructions or call scripts for common credit and collections activities.
    Live Chat integration for users to communicate with customers about their accounts or invoices.
    Scheduled Data Synchronization for Intuit QuickBooks (new for Basic Edition).

About Anytime Collect:

Anytime Collect, published by e2b teknologies, is a leading cloud-based accounts receivables management system integrated to leading ERP accounting systems including Intuit QuickBooks, Epicor, Sage ERP, Microsoft Dynamics, and others. Anytime Collect is designed specifically for businesses selling to other businesses on credit terms to streamline and automate the entire accounts receivable credit and collections process with a return on investment in as little as two months.







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ziftrCOIN Raises $878,695 in Cryptocurrency Presale


Boston, MA (PRWEB) February 03, 2015

Ziftr, the company behind ziftrCOIN, will use the money raised during the Presale to help fund its mission of bringing cryptocurrency into the mainstream for consumers and merchants. To accomplish this mission, Ziftr has created a suite of tools and applications designed to integrate with Bitcoin, ziftrCOIN, Litecoin, Dogecoin and other popular altcoins. These tools and applications include the following:


ziftrCOIN – An innovative digital altcoin designed for shoppers. In late 2015, Ziftr will give away 300 million ziftrCOINs so that everyday consumers can begin familiarizing themselves with cryptocurrency. When spent in Ziftr’s merchant network, each ziftrCOIN will have a minimum redemption value of $ 1, functioning similarly to a coupon.
ziftrPAY – A secure API that enables merchants to accept cryptocurrency payments as well as credit card payments without having to view customers’ credit card information.
ziftrWALLET – A secure digital wallet that stores all of a user’s payment information – including credit cards, bitcoins, litecoins, dogecoins, ziftrCOINs and other altcoins – in one place.
ziftrSHOP – A worldwide online marketplace where consumers will be able to conduct transactions using credit cards or cryptocurrency.

“I’m thrilled by the support we received during the ziftrCOIN Presale and would like to extend my deepest gratitude to everyone who contributed and made this such a success,” said Bob Wilkins, CEO of Ziftr and ziftrCOIN. “Thanks to all of you, my team and I can spend the coming months moving forward with our mission of bringing cryptocurrency to the masses. We have many exciting announcements on the horizon, so be sure to stay tuned.”

Some of the immediate next steps for Ziftr post-Presale include onboarding existing ziftrSHOP merchants into the ziftrPAY system, continuing development of the tools and applications designed to integrate with cryptocurrency and developing key partnerships with point of sale vendors, cryptocurrency exchanges and other companies in the financial space.

*BTC value based on 6-month average as reported by CoinMarketCap

About ziftrCOIN™

ziftrCOIN, the first digital currency developed for online shoppers, aims to revolutionize e-commerce by putting cryptocurrency into the hands of consumers and enabling them to conduct simple, secure transactions at their favorite online retailers.

For more information about ziftrCOIN, visit: http://www.ziftrCOIN.com.

About ziftrPAY™

ziftrPAY is a computer application software that connects credit card processors and cryptocurrency exchanges with retailers to facilitate the processing of consumer transactions. ziftrPAY enables retailers to accept both cryptocurrency and credit card payments without having to view or store the customer’s credit card information.

For more information about ziftrPAY, visit: http://www.ziftr.com/retailers/.

About ziftrWALLET™

ziftrWALLET Mobile, the first multicoin digital wallet to combine the security and control of a desktop wallet with the speed and convenience of a cloud wallet, stores multiple cryptocurrencies and traditional fiat currency in one secure location. While in Beta mode, ziftrWALLET Mobile works with Bitcoin, Litecoin and Dogecoin, with other popular altcoins like Primecoin, Peercoin, StartCOIN and ziftrCOIN to be added soon.

For more information about ziftrWALLET Mobile, visit http://www.ziftrWALLET.com.

About Ziftr®

Established in 2008 and based in Milford, New Hampshire, Ziftr revolutionizes the online shopping experience through the development of innovative products, tools and apps that make life easier for both consumers and retailers. The company’s first tools, a browser add-on and mobile app that connect shoppers with the best deals at their favorite online retailers, have had more than 2.5 million downloads.

Ziftr is a product of myVBO®, a full-service design, marketing and development company that helps businesses turn their ambitions into realities.

For more information about Ziftr, visit http://www.ziftr.com.

Disclaimer

All statements in this release, other than statements of historical facts that address future ziftrCOIN availability, or developments that the ziftrCOIN expects are forward looking statements. Although the Corporation believes the expectations expressed in such forward looking statements are based on reasonable assumptions, such statements are not guarantees of future performance and actual results or developments may differ materially from those in the forward looking statements. Factors that could cause results to differ materially from those in the forward looking statements include, but are not limited to: market volatility; continued availability of capital, financing and personnel; government regulation and laws; and general economic, market or business conditions.







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Your Experian Credit Report Explained

Need help understanding your Experian Credit Report? Find out more about what’s on your credit report here. Visit us at – http://www.creditexpert.co.uk Talk …
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Revealed: The Worlds Best Retirement Havens in 2015InternationalLiving.com

Baltimore, MD (PRWEB) January 02, 2015

InternationalLiving.com’s just-released Annual Global Retirement Index profiles the best destinations for good-value living around the world today. Using input from a large team of correspondents on the ground all over the world, the Index combines real-world insights about climate, health care, cost of living, and much more to draw up a comprehensive list of the best bang-for-your buck retirement destinations on the planet.

“The world’s top retirement havens for 2015 may dot the landscape from Asia to Latin America to Europe, but they share certain assets,” says InternationalLiving.com’s executive editor, Jennifer Stevens. “They’re safe, offer good value, and are places you can settle with relative ease.

“Even though only 25 countries feature on our list, all of them are worth your attention. We selected them from among all the countries in the world for their qualities as retirement hot-spots, so even the lowest-ranked nation on our Index is still very much an option worth considering,” Stevens reports.

Ecuador wins this year’s Index with a score of 92.7 out of 100, but receives a perfect score in two categories: Real Estate and Climate…and high scores across the board in every other category.

“From the quaint town of Cotacachi to the vibrant capital, Quito, from Salinas on the coast to the peaks of the Andes, Ecuador’s diversity is a key part of the massive appeal for retirees,” says senior editor at InternationalLiving.com, Dan Prescher.

“Although prices have risen slightly in recent years, Ecuador’s real estate is still the best value you’ll find anywhere,” Prescher, who has lived in Ecuador for the past five years, reports. “And the cost of living is low, with couples reporting monthly expenses of just $ 1,400 a month.”

The country also offers a generous array of retiree benefits. Over-65s get discounts on flights originating in Ecuador, as well as up to 50% off entry to movies and sporting events. Discounts are also available on public transport (50%) and utilities.

Runner-up in the Index—and the best retirement destination in Central America—Panama offers retiree expats the advantages of the world’s best retirement program: the Pensionado visa.

“Panama wants you to come—and their policies court you,” says Jessica Ramesch, InternationalLiving.com’s Panama Editor. “The Pensionado visa is available to anyone with a lifetime pension of over $ 1,000 a month. Discounts you can get with the visa include 20% off medical services, 50% off entertainment, 25% off restaurant meals, 25% off air fare, and 25% off electricity and phone bills,” Ramesch reports.

Add all this to the country’s already low cost of living, and Panama is the very definition of an affordable expat haven. For under $ 2,000, a couple can live comfortably in a country with a well-earned reputation for being expat-friendly.

Malaysia comes in first position for Asia and fourth overall in the Index. Quality of life in Malaysia is cost-efficient as well as excellent. In typical expat locations such as Kuala Lumpur and Penang, high-quality real estate is available for rent at a low cost. On a modest budget, a retiree can savor a life of luxury here.

The country makes a perfect base to explore the natural, historical, and cultural treasures that Southeast Asia has to offer. The proliferation of cheap Asian airlines in recent years has made it easier (and more affordable) than ever to explore the rest of Asia. Direct flights to the U.S. are also available.

Health care quality is top-notch, particularly in the larger cities, where it is comparable to that in any First-World nation. English is also widely-spoken here.

For those seeking sun and affordable living in Europe, Spain remains by far the best option available, evidenced by its standing as the top European nation in this year’s Index.

All the First-World amenities you would expect of a European country are abundant in Spain. The Internet is reliable and fast, with coverage everywhere. Public transport is efficient and home comforts—U.S. television, movies, and music—are easy to come by.

Spain’s health-care system is routinely recognized by the World Health Organization as one of the best in the world.

The full report on the world’s best retirement havens in 2015, which ranks and rates the top 25 countries for retirement, can be read here: The Best Places to Retire in 2015.

Editor’s Note: Members of the media have full permission to reproduce the article linked above once credit is given to InternationalLiving.com. Photos are also available.

Media Contact: For information about InternationalLiving.com content republishing, available source material or to book an interview for radio, TV or print with one of our experts, contact Associate Editor Carol Barron, 772-678-0287 (US), CBarron(at)InternationalLiving(dot)com or visit the Media Center. For automatic updates on the most current stories, follow International Living Media on Twitter.

For more than 30 years, InternationalLiving.com has been the leading authority for anyone looking for global retirement or relocation opportunities. Through its monthly magazine and related e-letters, extensive website, podcasts, online bookstore, and events held around the world, InternationalLiving.com provides information and services to help its readers live better, travel farther, have more fun, save more money, and find better business opportunities when they expand their world beyond their own shores. InternationalLiving.com has more than 200 correspondents traveling the globe, investigating the best opportunities for travel, retirement, real estate, and investment.

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