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Scoreinc.coms FDCPA Department Presents Services for Credit Based Businesses

Mobile, Alabama (PRWEB) December 30, 2014’s FDCPA Violations Department is part of the company’s expansion into education, consulting and business development for credit based businesses. In response to concerns raised by the fiscal crisis of 2007-2008 and the increasing importance of monitoring the widespread practices of collection agencies, Score provides online training, consumer information, and guidance to businesses seeking to apply the FDCPA to benefit their clients.

To investigate individual cases, the FDCPA Violations Department relies on’s established credit repair resources and network of professionals. Analyzing call volume, voicemails, letters and other communication elements, Score’s trained credit repair business owner members evaluate the history of collection communications for each case and weigh the data against the FDCPA’s mandate on debt collectors’ legal obligations. Once analysis is complete, each client is given recommendations for constructive action pertaining to his or her credit collection situation.

The process begins with an online submission of basic details, and can benefit clients with a statutory fine applied to the unlawful collection agency; exemption from debt; and possible removal of the debt from credit reporting. As an additional benefit, all of the FDCPA services provided by and associates are free of cost, including any necessary legal action.

The FDCPA exists to protect consumers from abusive debt collection practices, including harassment, uttering threats and making false statements, using unfair or deceptive practices, and more. Ensuring that clients’ rights are upheld and compliance with the FDCPA is essential for any company that functions on credit, including auto dealers, mortgage brokers, tax companies and other businesses.

To find out more about Score’s FDCPA Department, visit

In addition to FDCPA consulting, offers credit based businesses the following services:

?    Credit Repair Business Management Software (Saas)

?    Credit Repair Dispute Process Outsourcing

?    Credit Repair Coaching and Mentoring

?    Yearly Credit Repair Summit

?    ScoreWay University

?    Webinars and Online Training

?    Student Loan Certification Program

?    Industry Standard Credit Repair Professional/ Expert Certification Program

About Score is the #1 provider of credit repair dispute outsourcing and software throughout North America. Created to support credit repair professionals, Score offers a diverse range of technology and management solutions to increase profits and success.

Brand new IRS Ruling: Businesses Issuing W-2/1099-MISC Forms Are Accountable For Damages if Identity Theft Happens To Recipient.

Grand Rapids, Michigan (PRWEB) December 04, 2014

A ruling recently circulated because of the United States division associated with Treasury now permits identity security steps called “Truncated Taxpayer Identification Numbers”, also known as “SSN Masking”, is applied to all person income tax return copies, including 1099-MISC and W-2 kinds.

The IRS-approved SSN Masking puts an “X” throughout the first five amounts of the recipient’s personal safety number (SSN) or manager recognition quantity (EIN), causeing the information secure from identification thieves. Although this service had been allowed by the IRS for 1099-MISC income tax form filing before, it may today be reproduced to W-2 kinds, and can even be used to truncate EINs plus SSNs.

Using this solution has the potential to mitigate the increasing dilemma of taken ID income tax reimbursement fraudulence. Every year, over 10 million Americans are formulated susceptible to identification theft through mail during tax season. Nearly 3 million People in the us have-been scammed, costing the US Treasury over $ 5.2 billion.

Because tax type person copies are required to be sent in envelopes noted “Official Tax Document Enclosed”, mailed copies of W-2 and 1099-MISC kinds tend to be a straightforward target to identity thieves. It’s the most perfect means for identification thieves to rapidly steal their particular victims’ most susceptible information.

Fraud artists use the recipient’s SSN or EIN, in addition to their title and address, to execute tax reimbursement fraudulence. Making use of the resources stolen from sent 1099-MISC and W-2 receiver copies, thieves file phony tax statements before recipients can, after that have actually refunds deposited on prepaid debit cards, where they could withdraw the money anonymously.

When recipients file their genuine tax statements later on, they’ve been up against what 60 Minutes known in a current segment as “paperwork hell”. The entire process of proving their particular real identities and fixing the fraudulent return can take months of conferences and red-tape.

Not only performs this present a danger to staff members and contractors; moreover it increases a huge obligation for companies and businesses. As the IRS has made tax ID security designed for both 1099-MISC and W-2 type filing for 2014, if SSN Masking is not made use of, and recipient tax type copies tend to be stolen from mail, the boss whom mailed all of them might be held liable for damages.

SSN Masking also allows companies to email protected receiver copies, versus mailing all of them, adding an additional level of security. Being abide by formal IRS laws whenever mailing recipient copies as PDFs, employers must: 1) decide in to SSN Masking, 2) password protect and encrypt the document, and 3) receive either pre-approval to e-mail the document, or confirmation of the document’s receipt.

Employers takes advantageous asset of SSN Masking when filing taxation statements online through IRS accepted e-filing providers whom provide this solution. Notably, not all the web tax filing companies make SSN Masking offered. WageFiling is one these types of solution, that offers SSN Masking for both 1099-MISC and W-2 types.

This new ruling was made effective as of July 15th for this 12 months.

About WageFiling

An IRS Quality Supplier since 1996, is a simple, economical service makes it possible for small businesses to quickly prepare and e-file 1099-MISC and W-2 kinds online. Backed by bilingual English-Spanish customer support and business leading e-filing computer software, the WageFiling staff prides by themselves on taking the stress out-of wage tax filing.

Scott Zubrickas




Corporate Social Responsibility 101: Working Wardrobes Offers CSR Tips to Help Businesses Make a Big Impact

(PRWEB) July 15, 2014

The employment experts at Working Wardrobes recently outlined the benefits of businesses having a Corporate Social Responsibility (CSR) plan, and offered tips to help implement one – to make a big impact over the long haul. The Orange County, California-based nonprofit that provides career readiness and life skills services to men, women, young adults and veterans facing difficult life challenges, says that in addition to having a positive impact on the communities in which we live, CSR can boost business too.

“Today, an increasing number of companies measure success by social and environmental impact, in addition to profits,” said Jerri Rosen, founder and CEO of Working Wardrobes. “CSR serves a number of purposes – from enabling an organization to stay compliant with business ethics and the law, furthering goodwill by giving back to the community, or by being environmentally responsible.”

Rosen said that before getting started, businesses should consider the benefits that a solid CSR strategy can bring, including:

    A positive reputation and increased brand awareness.
A recent study1 found that a majority of consumers are willing to recommend companies they believe are delivering on their social responsibility programs. And another study2 found that one in three consumers use social media to share positive information about companies and issues, and one in four use social media to share negative information. In today’s word-of-mouth-world, positive opinions about a company can help boost its reputation quickly and significantly.

    Increased sales and ultimately, enhanced revenue.
Today, CSR is also driving consumer behavior and purchases. If given the choice between two products of similar price and quality, most consumers will switch brands to one that supports a good cause2. Consumers will also boycott a brand if they learn of the company’s irresponsible business practices2.

    Improved recruitment, retention, and overall business processes.
Studies show that employee morale and loyalty increase when the company they work for offers opportunities through CSR initiatives3. And since companies look to hire the most talented employees, and many prospective employees seek organizations to work for based on what that company’s social conscious is, CSR also serves as a tool for employee engagement. Many companies are now encouraging their employees, at all levels, to get involved by volunteering and/or offering pro bono services, and the positive results are tenfold. Employees who feel good about the company they work for tend to be more engaged, which can lead to increased productivity.

    The positive results of making a real impact.
Simply put, affecting positive change is good for everyone involved. When a company helps change something for the better, by way of long-term corporate partnerships, monetary donations, or by offering volunteer services, the community as a whole improves.

Daniel J. McQuaid, President & CEO of OneOC, a nonprofit that accelerates nonprofit success through volunteer, training, consulting, and business services, says that all companies can benefit from implementing Corporate Social Responsibility initiatives.

“CSR opportunities are great for all size companies,” said McQuaid. “Many of our larger employers are already doing a wonderful job addressing our community’s urgent and unmet needs. However, we believe there is significant opportunity for more mid-size companies to follow suit. In Orange County, there are 4,500 companies with 50 to 1,000 employees that have an enormous potential to transform the landscape of our community through implementing giving and volunteering activities. For these companies, mobilizing CSR efforts can be an easy and effective way to build their teams and reap the benefits of being a good corporate citizen.”

McQuaid and Rosen point to the Civic 50, an annual study released by Bloomberg Business, National Conference on Citizenship (NCoC) and Points of Light, which identifies the nation’s most community-minded businesses4. The study evaluated S&P 500 corporations and how they best used company philanthropy and employee volunteerism to impact their employees, customers, and communities. The Civic 50 were evaluated on the following key dimensions:

1)    Make the commitment.

Once a company decides to focus on CSR initiatives, it should commit to putting a plan in place and carrying it out. Buy in from all levels of management is critical.

2)    Invest strategically.

Companies should decide how extensively (and in what ways) they can best apply their resources to give back to, and improve, the community.

3)    Complement your business.

A successful CSR initiative will complement and support a company’s own business interests. Companies should work to identify community engagement opportunities that align closely with their business goals.

4)    Foster the culture.

Companies with success in CSR have done their best to embed the spirit of giving into their corporate culture by incorporating it within company policies. They invite employees to participate in volunteer opportunities within the community, and many companies are now evaluating employee performance in part based on their participation with the company’s community engagement.

5)    Measure the impact.

It’s really not enough to have and implement CSR initiatives. Measuring the impact is vitally important. Gauging the performance of its community engagement allows a company to see where it is successful and where it is making an impact, what it can do to increase or enhance the impact, and what is working and what is not to optimize performance.

“Joining forces with a nonprofit organization is a great way to give back to the community, and finding a like-minded organization that aligns with the company’s mission, goals, or business interests enhances a CSR strategy,” said Rosen.

Jeff Coats, president and CEO of Irvine-based Autobytel Inc., pioneer of the automotive Internet and the company dedicated to connecting automotive consumers with dealers, says his organization signed on to support Working Wardrobes after creating T.E.A.M. ABT (The Employee Advocacy Members of Autobytel), an internal “Good Works Council” to focus its CSR efforts and to identify local charities to support.

“We firmly believe in the employment services Working Wardrobes provides to people overcoming difficult challenges, and we are continually impressed by the improvements Jerri and her team are making in our community,” said Jeff Coats, president and CEO of Irvine-based Autobytel Inc. “Working Wardrobes has served the Southern California community for nearly 25 years, and we’re proud to support its efforts in helping people in need find jobs. We encourage other businesses to offer their support as well.”

To learn more about the services Working Wardrobes provides, visit the nonprofit’s website at, or call (714) 210-2460.

1 Reputation Institute’s 2013 Global CSR RepTrak® 100 study, October 2013:

2 2013 Cone Communications/Echo Global CSR Study:

3 Society for Human Resource Management, BSR and Aurosoorya Report:

4 Orange County Business Journal 2014 Giving Guide:

About Working Wardrobes

Working Wardrobes is an independent nonprofit organization empowers men, women, veterans, and young adults overcoming difficult challenges to confidently enter the workforce and achieve self-sufficiency. The organization provides career training, job placement assistance, and professional wardrobe services in an environment of dignity and respect.

Since 1990, Working Wardrobes has grown to serve over 75,000 men, women, veterans, and young adults overcoming difficult challenges including alcohol and substance abuse, prison re-entry, homelessness, catastrophic illness, and traumatic financial losses. It assists CalWorks recipients, clients of social service agencies, and individuals in 60 shelters or programs in Orange County, Los Angeles, San Diego, and the Inland Empire. The Working Wardrobes social enterprise model serves as an example of self-sustainability to organizations nationwide.

Working Wardrobes’ current board of directors includes (in alphabetical order by last name): Derek Benson, Union Bank; Jodi Chavez, Accounting Principials; Anna Conrekas, US Bank; John Dickson, QBE North America, Inc.; Mandi Dossin, DGWB; Eric Eng, Experian; Harry Humphries, GSGI, Inc.; Bob Hurley; Stephen Kelley, Health Essentials, LLC; Michelle Koontz, Fluor; Darryl Martin, Sentinel Offender Systems, LLC; Emily Reynolds, ADP; Jerri Rosen, CEO, Working Wardrobes; Parker Schweich, Dorsey & Whitney, LLP; Jeffrey Shepherd, Hughes Marino, Inc.; Kim Shepherd, Decision Toolbox; Rich Shugg, Autobytel, Inc.; Carrie Swanson, The Boeing Company; Sandy Theriault, UPS; Patrick Tillich, Park West Landscape, Inc.; and Mike N. Vo, Law Offices of Mike N. Vo.

About OneOC

OneOC, formerly Volunteer Center Orange County, is a nonprofit 501c3 organization committed to accelerating nonprofit success through volunteer, training, consulting and business services. Serving Orange County, California, OneOC provides support and solutions to more than 650 nonprofit organizations and community initiatives each year. Building on a 52-year history of mobilizing volunteer action, the organization announced its new name on September 15, 2010 to signal the expansion of its integrated service offerings to help nonprofits become as effective and efficient about their mission as they are passionate. OneOC is affiliated with Points of Lights Institute and HandsOn Network, enabling participation in national community service initiatives and connection to a larger movement of change. For more information, visit

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