Archive for the ‘Credit Score’ Category.

Chernek Asking Announces Subprime Workshop

Atlanta, GA (PRWEB) March 02, 2015

Chernek Consulting will carry out a 1-1/2 day workshop, “Auto Dealer Subprime Sales triumph,” April 7 – 8 in the Marriott resort Perimeter Center in Atlanta, Georgia. Based on Rebecca Chernek, president of Chernek asking, “The Corporation for business Development reported in January that almost all, or 56 percent, of customers have subprime credit ratings. This workshop is made to assist dealers navigate the growing subprime market to improve profits, develop buyer respect and limit their responsibility.”

Jason Barrie, senior director, marketplace performance – Dealertrack Technologies, will provide a distinctive point of view how the subprime market has assisted to fuel the car business’s current success. He’ll deliver trends observed in both car or truck and subprime funding, share ideas into how the in-store to on the web financing process has begun to transform the way in which customers conduct their automobile acquisition, also review what’s waiting for you for 2015.

Arzu Algan, CFO & dean of education, Automotive Dealership Institute (ADI), will show five axioms to achieve your goals in “How to Establish a Successful Unique Finance division.” Brandon Hardison, president, Champion tips, Inc., will discuss exactly how keeping a certified car or truck inventory helps get lender approval in “Used Car Certification Requirements additionally the Subprime marketplace.”

In “Meeting Subprime Customers during the Door,” Rebecca Chernek provides ways to guide dealership personnel in dealing with subprime customers – from landing them regarding the right automobile the first time completely utilizing credit meeting techniques, to identifying and answering credit flags and making sure regularly seamless TOs. “The procedure was designed to not merely place consumers comfortable and restriction mistakes,” said Chernek, “but also lessen the time the customer is within the dealership.” She’ll also discuss approaches to develop better subprime lender interactions.

In “How to learn an Automotive Consumer’s credit file,” Jenn Reid, senior director of item advertising and marketing, auto – Equifax, will explain what you can read about consumers from their particular consumer report. She’ll discuss how exactly to understand the knowledge in the file and just why it’s vital that you move forward away from the rating to understand exactly what the client has to offer.

Rodney O’Rourke, director of representative development regarding eastern coast for LoJack, will talk about the history of LoJack, tips maximize lender advances through valuable product choices, identity theft plan and processes, and industry trends.

Kyle Walker, content item supervisor for Complí, will present “CFPB Enforcement – What your Dealership Needs to understand,” that will include directions for developing a dealership CMS. Gregory Johnson, lawyer – G Johnson Law PLLC, will deal with the subprime conformity landscape in “Subprime F&I Compliance Issues beneath the TILA, ECOA, FCRA, UDTPA and CFA (place Deliveries, purchase charges, Deferred Downpayments and More).”

To register when it comes to workshop, telephone call Rebecca Chernek at 404-276-4026 or go to http://www.ccilearningcenter.com/fi-subprime-sales-success.

#

Contact:

Rebecca Chernek

404-276-4026

becky@chernekconsulting.com







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Rent to Own Homes for Sale in Fort Lauderdale, FL Now Offered at Real Estate Solutions in Florida LLC


Fort Lauderdale, FL (PRWEB) February 18, 2015

Adults who are experiencing issues when applying for a home loan can now benefit from new services launched by the Real Estate Solutions in Florida LLC this year. Rent to own homes for sale in Fort Lauderdale, FL are now offered as an alternative at http://buyhomeswithoutcredit.com.

This new program will serve a dual purpose in 2015 in the housing industry. The first purpose is to create additional opportunities to men and women who have low credit scores and can be denied when applying for a home loan in Florida. The second purpose is to promote the inventory of new houses acquired and now listed for sale.

“We have an expert team that works individually with bad credit borrowers who are unable to finance a home using one of the many loan types available,” said a Real Estate Solutions in Florida LLC rep.

An immediate advantage to a person in South Florida area who is now evaluating rental properties is the simple process of application submission now available. While some companies require an in-person interview during the application process, the new program in place offers a first phase review through an online application.

“Our specialty is placing hard-working adults inside our affordable homes to provide a source of housing when bank financing is not an option,” said the rep.

The new application process that is in place can be started at http://buyhomeswithoutcredit.com/application. A person who would rather speak by phone to a housing specialist can call (954) 289-6020 during normal hours of business to inquire about home placement services available.

About Real Estate Solutions in Florida LLC

The Real Estate Solutions in Florida LLC company purchases homes that are sold to adults who have credit issues and cannot qualify for traditional loans. The company specializes in homes around the Fort Lauderdale area although has connections in other states. The Real Estate Solutions in Florida LLC offers rental opportunities to hard-working people who need a source of immediate housing in the U.S.







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United Credit Consultants Awarded Finalist in 3 Categories in The Stevie? Awards for Sales & Customer Service Awards

Burnsville, Minnesota (PRWEB) February 11, 2015

United Credit Consultants™ is a fully licensed Credit Services Organization out of the Twin Cities area located at 418 Gateway Blvd, Burnsville, Minnesota (MN). United Credit Consultants™ specializes in credit report investigation services, credit building tactics, account management solutions, credit education & advising and an additional license in the debt settlement industry. The debt settlement option is a feature to complete accounts and finalize lending options. United Credit Consultants™ has places an emphasis on continuing to create services and features to fully service, manage and advise each client accurately with internal programs and service options

http://www.UnitedCreditConsultants.com ™ are finalists in 3 different award categories in the 9th annual Stevie Awards™ The categories mentioned are; 1. Award for Innovation in sales, UCC with the creation of Debt Settlement Solutions™. 2. Collaboration Solution Nomination, UCC has a collaboration of credit services, debt settlement & real estate solutions for the consumer. 3. Sales Growth Achievement of the year, The Better Path To Credit Recovery™. The Stevie Awards™ for Sales & Customer Service recognize the achievements of contact center, customer service, business development and sales professionals worldwide. http://www.stevieawards.com/

The Stevie® Awards are the world’s premier business awards. Created in 2002 to honor and generate public recognition of the achievements and positive contributions of organizations and working professionals worldwide. In short order the Stevie has become one of the world’s most coveted prizes.

The Stevie® Award trophy is one of the world’s most coveted prizes. Since 2002 the Gold Stevie Award has been conferred for achievement in business to organizations and individuals in more than 60 nations. In each Stevie Awards competition, the top scoring qualifying entry in each category will receive a Gold Stevie Award. Finalists that receive a final average score of at least 8.0 out of a possible 10 will be designated as Silver Stevie winners. All other Finalists will be designated as Bronze Stevie winners.

Joseph McGlynn, President & CEO of 2014 INC. 500™ Awarded, UCC, had this to say; “As our industry develops and the importance of credit continues to grow, so will United Credit Consultants™. Our strength and success comes from the unique services offered and the understanding of current regulation, guidelines, and requirements from lending institutions. Knowing the requirements for banks and lenders has allowed our development team to create credit services and programs that will pace future growth and success. This way of servicing our clients has created thousands of Path to Credit Recovery™ Program success stories, which has turned UCC into a partner to service a certain market need. This sustained, continued effort puts UCC in the driver’s seat for innovation, creation, and service availability in the future.”

United Credit Consultants™ has an unmatched relentless effort to provide industry leading resources, solutions and programs to consumers from all walks of life. Program services offered with United Credit Consultants™ are individually branded and trademarked specific for consumers that are in need of lending opportunities but their current credit score, credit profile and credit status is not in position that will receive a per-approval from any bank or lending institution. These Programs offered create a unique step by step path for each client that enrolls. Having these options, ensures that each client is given the right information at the correct time to place them on the accurate path within the United Credit Consultants™ credit recovery program overall.

For more information or any quote(s) regarding the above matter, please contact one of our media relations contacts below.

Interested in more information on United Credit Consultants and their credit services?

1-800-455-4100 | info(at)unitedcreditconsultants(dot)com | http://www.unitedcreditconsultants.com | 418 Gateway Blvd, Burnsville, Minnesota ( MN ).







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A 5-Step Course to an Impressive Credit Score

The journey to an impressive credit score begins with a resolution: The need for a change and to re-establish a good report with reporting bureaus. The steps explained in this piece are meant to be guides for improving your rating. You should undergo a repair task for excellent results on your file. Make a decision on the method you want to use in repairing your file from the two available methods: do-it-yourself or agency repair methods. But you should still use these five steps to build and maintain a good score.

One: Obtain your report the law has given you the privilege and rights to get a free copy of your file once a year. You can decide to get the three versions: Experian, Transunion, and Equifax at once from annualcreditreport.com or you can get the three individually at different times of the year. This step is a necessity so you can know what has been entered into your file.

Two: Scan thoroughly It is estimated that about 89 percent of all credit reports contain errors and there’s a great possibility that your own file has an error. Reporting agencies enter the information they are furnished with into your file and they cannot alter it. A thorough scanning should reveal some errors or expired accounts.
Three: Challenge Accounts don’t be nonchalant about negative accounts on your file just because it is printed there. Nothing gained, nothing ventured. You should make attempts to get rid of destructive accounts from your file by disputing it with the bureaus or the original creditor.

Four: Negotiate and Pay Do not ignore collections on your report. Try to reach a compromise with collectors, and when you do so get them to do you a favor in return for settling them. A trade of payment in exchange for deletion of a collection account will do you a lot of good.

Five: Get working Try getting some good activity going on and talk to creditors whom you know you’ve got their goodwill to report your activities to bureaus.

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Using a Mail Organizer Can Improve Your Credit Score

One of the main reasons why many people have less than perfect credit scores isn’t because they don’t have the money to pay their bills, it’s that they are unorganized and accidentally let some due dates pass by without remembering to mail in the check. If this is your problem then perhaps using something like a mail organizer can help solve your problem. Even if you don’t have a problem paying your bills online but you still have a desk full of mail everywhere, these organizers can be a huge help. This article will be about why you should use one of these products as well as where you can get them and how to best use them.

When it comes to having way too many mail sitting around, it can be a stressful problem that you would rather not deal with. The problem isn’t so much the amount of mail that you have, the problem is with your organization system you use for your mail. Most people will have just put all of their mail into one pile whether it’s urgent mail or just something they need to keep. This can cause them to overlook the urgent ones. So what you need to do is get on of those mail organizers.

They come in a bunch of different styles and designs. You can get them at any office supply store as well as look for them online to find the best deals. There are some that are made to help you pay your bills on time where they have a slot for each day of the month. You would simply put your bill on the day that you need to send the check so when that day comes you are less likely to forget since it’s in the correct spot. There are other organizers that have a lot of drawers and slots for different types of mail. In general, just choose one that has various compartment to put your things in.

The key to mail organization is not just to buy a mail organizer but to create a system on using it. You must designate each type of mail to a specific place like junk mail goes in the garbage, urgent mail goes into one compartment, documents to keep goes into another, letters to read later goes into another, and so on. Without a system in place, you won’t be able to get the most use out of your mail organizer. Once you use it properly, you will be able to pay your bills on time and that will help increase your credit score as well.

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Regarding the House: Simple tips to improve credit rating and rating a residence?

On home: tips enhance credit history and score a home?
Loan providers use someone's credit rating to determine whether to lend that individual money as well as just what rate of interest. Credit ratings are also used for testing insurance coverage and other programs. In heady many years prior to the failure regarding the housing industry, …
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Fixing credit report mistakes could save your 1000s of dollars
(WXYZ) – That crucial number—your credit score—is according to your credit reports, however a Consumer Reports' study locates near half Americans never check to ensure their credit reports are precise and errors tend to be remarkably common. A Consumer …
Read more on WXYZ

The Federal Loan you have as a Freshman Gets Reported towards the Credit Bureaus
a credit score is situated primarily on data from credit reports produced by one of the three primary credit agencies, Equifax, Experian and TransUnion. Banks, charge card issuers also loan providers use these results to guage the danger provided by prospective …
Find out more on MainStreet

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LPL Financial Launched Brand New Resource Center to higher Provide Advisors and Institutions

Charlotte, North Carolina (PRWEB) November 18, 2014

LPL Financial LLC, the country’s largest separate broker-dealer*, a custodian for subscribed financial investment advisors (RIAs), and a completely owned subsidiary of LPL Financial Holdings Inc., has launched a recently recreated and redesigned site Center. The brand new site ended up being rebuilt to produce streamlined access to the breadth of LPL’s advisor resources, including critical information, analysis ideas, resources, types and training resources, including meaningfully improved search abilities.

“LPL’s site Center is the central information hub for the advisors and organizations, and an essential tool for helping all of them handle their training and serve their clients. Therefore, we understood that any effort to rebuild your website would have to begin and end with a focus to their experience and comments,” said Robert Moore, president, LPL Financial. “As a result of this collaboration, we are pleased to supply an instrument that people think will unlock genuine value for LPL advisors, producing efficiencies that enable them to concentrate more of their particular time on serving their clients with objective monetary guidance.”

LPL undertook an iterative process to reconstruct the Resource Center. With a continued target our advisor’s experience, LPL worked with a pilot team made up of a lot more than 600 advisors and product sales assistants just who utilized the website inside their day-to-day operate in order to spot opportunities to enhance the functionality of the website. On the basis of the feedback of the pilot users alongside LPL advisors and institutions, LPL identified a few crucial places for enhancement, included in this:


    A, modernized appearance – the newest website reflects advanced thinking in user interface design.
    Enhanced search – a fresh s.e. provides predictive search and a simpler strategy for finding forms.
    Intuitive navigation – the latest menu presents advisor feedback on what they intuitively want to see information arranged.
    Movie / rich news – even more rich media, including videos, making the content much more engaging.

Into the five months considering that the site Center has been around the area, pilot team advisors reported a 240 per cent escalation in overall satisfaction, when you compare the results for the old Resource Center to those of this brand new variation.

“The new site Center could be the most recent in a sequence of new and enhanced technology solutions that indicate LPL’s commitment to providing a versatile, integrated system that delivers efficiencies and increased output to your advisors,” stated Victor Fetter, main information officer, LPL Financial. “We look forward to continuing this evolution of our technology offering using the launch of customerWorksSM, a next-generation technology answer for advisors and institutions that’ll effortlessly integrate and expand LPL’s offerings and can sooner or later change our BranchNet system.”

About LPL Financial

LPL Financial, a completely had subsidiary of LPL Financial Holdings Inc., is a frontrunner into the monetary guidance marketplace and serves $ 465 billion in retail possessions. The business provides proprietary technology, comprehensive clearing and compliance services, training management programs and education, and separate study to a lot more than 13,900 independent economic advisors plus than 700 banks and credit unions. LPL Financial is the nation’s largest independent broker-dealer since 1996 (*based on total incomes, Financial preparing mag, June 1996-2014), is among the quickest growing RIA custodians with $ 84 billion in retail assets served, since September 30, 2014, and will act as a completely independent specialist to more than 40,000 your retirement plans with approximately $ 110 billion in retirement program assets offered. Besides, LPL Financial aids roughly 4,400 economic advisors licensed with insurance companies by giving customized clearing, consultative platforms and technology solutions. LPL Financial and its particular affiliates have actually 3,397 staff members with main workplaces in Boston, Charlotte, and hillcrest. For more information, kindly visit http://www.lpl.com.

Securities and Advisory Services provided through LPL Financial. A Registered Investment Consultant, Associate FINRA/SIPC

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Amanda Keating

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akeating@gloverparkgroup.com







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PenFeds Promise Visa? Card Receives A+ Transparency Get Accolade from MagnifyMoney.com

ALEXANDRIA, Va. (PRWEB) October 24, 2014

PenFed (Pentagon Federal Credit Union) today revealed that a recently available Transparency Score analysis carried out by MagnifyMoney.com awarded its greatest class, an A+, toward PenFed Promise Visa® Card. The evaluation recognizes the Promise Card to be a leader in ease, transparency, and durability.

Since releasing in-may 2014, Magnifycash.com has actually assessed and graded over 800 balance transfer cards from A to F considering a card’s user friendliness, transparency, and sustainability. The PenFed Promise Visa® Card may be the first Card to meet up with all of the required requirements, which includes: disclosure regarding the interest “upfront” before the client applies, and no “gotcha” charges.

“A web site like MagnifyMoney.com is an amazing resource for card buyers to tap into considering that the web site has got the most useful interest associated with customer in mind,” said Kevyn Myers, executive vice-president and main running officer with PenFed. “From a credit union perspective, having our Promise Card identified by MagnifyMoney.com as an A+ standout, is huge. Especially when you think about the Promise Card ended up being in comparison alongside some of the biggest card brands into the financial banking business.”

MagnifyMoney.com, a fresh, impartial web site that makes it simple for individuals compare financial products and accept personalized guidelines, provides customers a robust resource along with its tailored, side-by-side reviews of banking and credit union items in a free, unbiased and easy-to-navigate interface. With its proprietary Magnify Transparency get, banking and credit card items are graded considering efficiency and cost structure, rendering it easy for customers to quickly evaluate which services and products possess least level of fine print and a lot of consumer-friendly terms.

PenFed Promise Visa® Card

Called the “Simplest Card in America,” by Credit.com early in the day in 2010, the PenFed Promise Visa® Card is exclusive for the reason that permits cardholders to take pleasure from the simple freedom of employing credit cards that carries no fees. Functions feature:


No fees: there’s absolutely no yearly fee; no belated charges, over-limit costs, balance transfer charges, advance loan charges, international transaction charges, or returned check charges.

Minimal 7.49percent APR basic purchase APR for very first three years: Afterwards, the APR vary using Prime Rate, and is currently 9.99percent APR*.         

Built in protection: The Card is processor chip allowed, and Verified by Visa and Card safety Text Alerts tend to be services which can be both designed for added safety on purchases.

You must certanly be a part regarding the credit union to try to get the Promise Card. PenFed is known for its suffering commitment to continually produce innovative lending options and solutions that spend less, add value, and additional the financial well being of its users—and its Promise Card is not any different. To learn more thereby applying for the PenFed Promise Visa® Card, visit PenFed.org/PenFed-Promise/.

About PenFed

Established in 1935 since the War Department Credit Union, PenFed is just one of the largest credit unions in the united states, providing 1.3 million people global; with over $ 19 billion in possessions. Its long-standing mission has-been to give exceptional financial solutions in a cost effective fashion, while being responsive to members’ needs. PenFed provides market-leading mortgages, vehicle financial loans, bank cards, examining, and an array of other economic services along with its people’ passions constantly in mind. Offering a diverse populace, PenFed provides various ways in order to become an associate; including numerous association affiliations and staff member teams. PenFed is federally guaranteed because of the NCUA and is an equal housing loan provider. PenFed does company relative to the Federal Fair Housing Law, the Equal Credit Opportunity Act, and is an associate of NAFCU. To find out more about PenFed, call 800-247-5626 or visit PenFed.org.

About Magnifycash.com

MagnifyMoney may be the brand-new, unbiased internet site that makes it easy for individuals compare financial loans and receive individualized tips. Previous bankers turned customer advocates Nick Clements and Brian Karimzad take a mission to market transparency and economic empowerment so every customer can make knowledgeable economic decisions. MagnifyMoney.com offers customers a powerful resource using its personalized, side-by-side reviews of financial and credit union services and products in a totally free, impartial and easy-to-navigate user interface. Having its proprietary Magnify Transparency Score, financial and credit card items are graded centered on user friendliness and cost construction, making it quick for customers to quickly evaluate which services and products possess minimum number of fine print and most consumer-friendly terms. MagnifyMoney established in May 2014 and it is headquartered in New York, NY.

*Disclosures: Rates and will be offering tend to be existing since October 2014 and therefore are subject to change. Promise Visa Cardholders must subscribe our e-statement solution for ALL active charge card accounts held with PenFed. Pentagon Federal is certainly not connected to or supported by Upromise, Inc.7.49% APR basic purchase APR for 3 years. After that, the APR for almost any brand new balance transfers will vary using marketplace in line with the Prime Rate, and it is currently 9.99%. The APR for payday loans is 9.99% and will vary utilizing the market in line with the Prime speed.







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Watch Out for These Credit Score Scams

Watch Out for These Credit Score Scams
Shortly after signing up to get my free credit score at one of the popular websites that offers the service, I received an email alerting me that my score had recently changed and that I should log into the site provided to check on it. Since I had …
Read more on U.S. News & World Report (blog)

'Invisible' Credit? (Read This Now!)
The influence of your credit rating on the availability or price of financing for a car or home can be drastic: For a $ 100,000, 30-year mortgage, a buyer with a FICO score of 760 will pay almost $ 70,000 less in interest compared with a buyer with a …
Read more on New York Times (blog)

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Terminate Personal Debt And Keep Your Credit Scores With Debt Relief Guidelines

 

If a credit card debt relief business informs you that you are able to remove your unprotected credit card debt whilst not impinging on your credit they’re being unethical and most probably not worth doing business with. The fact is that once you eliminate your unsecured credit card debt by means of a debt settlement it will negatively impact your credit scores rating but not nearly as bad as personal bankruptcy. Consumers however can have a major impact on exactly how far your credit rating is going to be decreased. If your abide by the guidelines in this article then it’s feasible to remove up to 70% of the unsecured debt whilst having it only minimally affect your credit.

 

Once you hire a debt settlement business, chances are that you will not have sufficient cash to pay a settlement in one lump sum. For those that can’t afford to pay upfront for the credit card debt settlement, they can pay into an escrow account until it’s saved up enough of the balance to satisfy the negotiation amount. During the time that you are having to pay into this escrow account, your debt collectors will still expect you to pay the monthly payment. Most debt negotiation businesses will tell you to simply ignore your payments. This nonetheless will trigger your credit worthiness to fall lower consequently if you are able to afford to pay the minimum monthly payment it would be advisable to do so.

 

After you’ve built up enough of the balance in your escrow account with the debt organization your settlement is going to be payed off and your account is going to be closed. Make certain that your debt relief organization gives you an affidavit clarifying that your balance has been satisfied though a debt settlement procedure. Should you not do this you’re running the risk that your collector will pass the rest of the balance off to an additional collection agency. Most credit card debt settlement organizations do this automatically nevertheless it’s critical to make sure that they do this or you could truly be out of luck.

 

Should you need to get rid of debt and hire a credit card debt settlement organization for credit card debt discussions on your behalf then I have an important piece of guidance. Do not go directly to a particular credit card debt settlement business but instead first go to a debt relief network that’s affiliated with a number of authentic credit card debt businesses. In order to become within the debt relief network, the credit card debt settlement businesses should prove a track record of effectively negotiating and eradicating consumer debt. They should also pass an ethical standards test. Going with a debt relief network will make sure that the credit card debt organization you’re provided with is really an authentic and revered organization. This is the most helpful way in finding the best credit card debt businesses and raising your chances of eliminating your debt.

 

To locate a genuine debt settlement organization by means of a free debt relief network have a look at the following link

Free Debt Advice 

Contact Us:8883613619

 

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