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This Morning – 4 November 2013 – Martin Lewis on Credit Rating

today - 4 November 2013 - Martin Lewis on credit score

This day – 4 November 2013 – Martin Lewis on credit history
Today – Martin Lewis on Credit Score
This Morning – 4 November 2013
Today – 4 November 2013 – ITV
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Sure Fire Tricks to Pull Your Ex Back Stunningly Fast! This is Easier Than You Think

When all your efforts to bring back your ex have failed you will need a different approach to pull him/her back. You will have to do it with class and for that special efforts are needed. You will have to leave some of your inhibitions behind and humiliate your ex in a way that he/she literally begs for your forgiveness.

Instead of sulking get going
If your ex has left you for a pretty young thing then you will have to prove that you are better than him/her. Stop sulking and make a plan. Meet a stylist and overhaul your looks. You need to look classy and rich. You will have to net a rich older gentleman if you are woman and if you are a young man then your target should be a rich young widow/single woman.

Hunt carefully
The best place to get acquainted with rich older men is the golf club, race track, etc. Start visiting these places and develop more than an academic interest in these activities. Men might go and visit pubs where bored rich single women spend and while away their time. However, you are advised not to get carried away as your primary objective is to get your ex back not break someone’s lonely heart.

Show off your acquisitions
If you are successful in this, it is time your ex learns about your new conquest. Be seen in places with your new friend where your ex is likely to turn out. Flirt with your new friend in the presence of your ex and let jealousy take over. However, keep sending mixed signals to your ex to keep his/her interest in you alive.

Refuse your ex an audience
Once your ex sees that you are enjoying all the attention and gifts showered on you by your newfound friend he/she will begin to curse his/her luck for having let you go. Your ex will now begin to make advances to you. Take no note of his/her advances and carry on merrily. You should not be surprised if after a few months you find your ex begging on your doorstep to take him/her back.

One in Two Americans Who Plan to Use Credit Cards Fearful About Credit Card Security This Holiday Season

Salt Lake City, UT (PRWEB) November 20, 2014

More than half of American consumers are worried about credit card security, suggests a recent Lexington Law survey conducted online on their behalf by Harris Poll.

Lexington Law commissioned Harris Poll to survey more than 2,000 adults age 18 and older and ask specific questions about whether their credit cards have been breached, what types of payment forms they intend to use for holiday shopping, and their feelings regarding credit card security breaches in general.

While some blame credit card companies, most Americans (70 percent) believe that retail chains are at fault for credit card breaches. The survey also revealed that 65 percent of holiday shoppers say they have used or plan to use cash to pay for their purchases compared to 61% who plan to use credit cards this holiday season.

The study, conducted in late October, found that 51 percent of Americans who plan to use a credit card for their holiday shopping are fearful of being affected by security breaches. In addition, for one of every two people, the risk of identity theft due to a credit card breach outweighs the benefits and potential rewards of using a credit card to purchase gifts.

“After so many high-profile security breaches this past year, these kinds of consumer attitudes really aren’t a surprise,” said Randy Padawer, a consumer advocate for Lexington Law, the nation’s leading credit report repair provider. “What is surprising, and perhaps disconcerting for retailers, is just how many consumers say they prefer cash instead.”

Other interesting survey highlights:

    41 percent of Americans who have credit cards say their cards have been compromised in some way.
    21 percent who have had their credit card breached said it happened in a retail store.
    67 percent of Americans whose credit cards had been compromised reported that the experience had not yet changed how often they use their credit cards online or in-store

“Identity theft so widely associated with credit card breaches can be extremely damaging to people’s credit scores,” Padawer added. Lexington Law’s service offering can help consumers repair the damaging effects of these, and other, events by correcting inaccurate or unsubstantiated items from their credit report. Fair and accurate credit reports lead to better credit scores and improved consumer confidence.


Full methodology:

This survey was conducted online within the United States between October 29-31, 2014 among 2,022 adults, age 18 and older, by Harris Poll on behalf of Lexington Law via its Quick Query omnibus product. Figures for age, sex, race/ethnicity, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. Propensity score weighting was used to adjust for respondents’ propensity to be online.

All sample surveys and polls, whether or not they use probability sampling, are subject to multiple sources of error which are most often not possible to quantify or estimate, including sampling error, coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments. Therefore, the words “margin of error” are avoided as they are misleading. All that can be calculated are different possible sampling errors with different probabilities for pure, unweighted, random samples with 100% response rates. These are only theoretical because no published polls come close to this ideal.

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The data have been weighted to reflect the composition of the adult population. Because the sample is based on those who agreed to participate in the online panel, no estimates of theoretical sampling error can be calculated.

About Lexington Law

Lexington Law is a consumer advocacy law firm with decades of experience, helping hundreds of thousands of Americans work to improve their credit. The firm comprises the largest network of credit repair professionals in the U.S., employing a growing staff of 26 attorneys and 200+ paralegals/agents across 19 states. By leveraging consumer rights to legally resolve issues with creditors and credit bureaus, Lexington works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law’s services, attorneys, or statistics visit:

About The Harris Poll

Over the last 5 decades, Harris Polls have become media staples. With comprehensive experience and precise technique in public opinion polling, along with a proven track record of uncovering consumers’ motivations and behaviors, The Harris Poll has gained strong brand recognition around the world. The Harris Poll offers a diverse portfolio of proprietary client solutions to transform relevant insights into actionable foresight for a wide range of industries including health care, technology, public affairs, energy, telecommunications, financial services, insurance, media, retail, restaurant, and consumer packaged goods. Contact us for more information.

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Journey with IVS for On The Web Training This Summer

Peoria, Illinois (PRWEB) March 27, 2015

Illinois Virtual class (IVS) is currently accepting student registrations for Summer 2015. The IVS summertime term could be the perfect time for students to take classes that might unfit within their routine during the regular school 12 months, in order to make up missed credits so they stick to track to graduate, or even to simply take some thing of private interest.

The IVS system is designed to allow pupils that are enrolled in a community, private or residence college to augment their training if you take internet based programs. When proper, credit is awarded because of the local school.

IVS offers two online program approaches to meet the requirements of students:

1. Full Service programs provide great versatility in scheduling as they are taught by definitely certified, Illinois-certified teachers. Comprehensive Service courses satisfy appropriate criteria (ILS, CCSS, NGSS, ACTFL, etc.) and are NCAA authorized. Each program is $ 190/semester enrollment.

Comprehensive Service Summertime Start Dates: April 14, May 5, June 2, Summer 22

2. Credit Recovery classes use prescriptive pretests for each device of training to build an individual discovering intend to mastery. Teacher supervisors monitor student progress and quality crucial tasks and exams. Each credit data recovery course is $ 70/semester registration.

Credit healing classes are started on any day’s the season.

Whether a college looking a summer solution, or a mother or father attempting to keep kids hectic, IVS will help implement a solution that actually works! IVS happens to be the specialist in online knowledge in Illinois since 2001, with a mission to supply the highest quality discovering solutions for many Illinois students. To learn more, check us out at

About Illinois Virtual Class

IVS could be the Illinois State Board of Education’s statewide digital school. ISBE established IVS as a supplemental on the web system based out of the Peoria Regional workplace of Education. IVS is recognized by the NCAA, International Association for K12 on line training (iNACOL), hawaii Virtual Leadership Alliance plus the university Board. To learn more, call us at:

Illinois Virtual School


You can forget of this Dell 0141 mistakes

The 0141 mistake is really a Dell error which is proven whenever you will discover troubles combined with the difficult drive within your method. The conventional idea demonstrated with this mistake is “2000-0141” and shows some sort of difficulties together with the challenging drive of your respective Laptop. Lots of folks report seeing this error although the difficult drive is probably not impacted, also to have the ability to do the repair, you might like to are able to make use of the subsequent tutorial to process any regarding the problems within it…

exactly what leads to The Dell 0141 Error?

* Infections from viruses

How can you Resolve The Dell 0141 mistake?

Step1 – it is advisable to first run the “Dell personal Test” facility to scan by means of your own personal computer and let you know about any difficulties which may be inside it. Which a bit of computer software furnished by Dell and is also utilised to help you acquire the bottom of any problems or challenges that always induce your personal computer to present dilemmas. It is possible to utilize this facility from your own “Dell reference CD” that appeared together with your Dell laptop or computer. Carrying this out check will indicate you what exactly is mistaken together with your process and that can then supply you with the instant approach to fix the issues

Action two – You’ll want to then run a “virus scan” to eradicate any achievable attacks that happen to be within your treatment. Viruses are like little programs which latch onto your laptop computer and hardware and result in a great deal of troubles for the laptop computer. To repair this, you have to use a reliable anti-virus system to scan by means of your strategy and obtain gone any within the viruses that could be in your process and making havoc.

Activity three – right after performing both of these ways, you ought to after that achieve a registry scan to help repair your personal computer’s registry. The registry can be a central database which outlets various types of configurations and realities towards procedure. Regrettably, the registry can be considered one of several principle causes of troubles inside Computer, and is also what brings about many PCs to perform with errors. Thankfully, you can easily fix this and also make your Personal computer run considerably more quickly through the use of a ‘registry cleaner’ to fix any in the difficulties which may be inside of this section of Microsoft windows. This is certainly extremely proposed to fix the 0141 error.

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How to Stay Out of the Red and Save Some Green This Holiday Season

Dallas, TX (PRWEB) November 26, 2014

In 2013, retail holiday spending in the months of November and December totaled about $ 601.8 billion, according to the National Retail Federation, up 3.8 percent from the previous year. Although it’s easy to go overboard, paying for holiday gifts and celebrations doesn’t have to put a dent in your budget. The Texas Society of CPAs offers advice on how to make smart spending plans so you’re not left with a financial hangover in January.

Plan Ahead—Stores filled with endless gift possibilities make it easy to go overboard and spend more than you intend. That’s why it’s important to set a budget before you hit the mall or start browsing around online. Determine how much you can realistically spend, and set a maximum amount for each person on your list. Research online or look at newspaper ads before you shop to see which stores have the best prices on the items you’re looking for. Always keep an eye out for coupons, and make notes on what you’ve spent as you go along. If you spend too much, reassess your plans and decide how you can cut back on some gifts. By following these steps, you’ll have more control over your budget and no unpleasant surprises when you open your bills in January.

Set Deadlines—The longer it takes to pay off bills for holiday shopping, the more interest you’ll end up paying on your credit card balances. That’s why it’s a good idea to set a deadline—such as Valentine’s Day or St. Patrick’s Day—for making the last payment on your holiday bills. Keep that deadline in mind as you create your gift budget.

Give a Personalized Gift—We all tend to reach for our credit cards when we think of holiday gifts, but many thoughtful ideas cost little or nothing at all. For example, young parents may be delighted with an offer to babysit for an evening. A recent college graduate may appreciate cooking lessons or copies of easy-to-fix family recipes. You could also surprise an elderly relative or neighbor with an offer to do household repairs or run errands. A young family member may enjoy a visit to a museum or local historic site. Other low-cost, thoughtful gifts include a personalized 2015 calendar with family photos, or a favorite baked good. By using a little creativity, you can come up with truly memorable gift ideas that won’t bust your budget.

Pay Wisely—One guaranteed way to stay on budget is by paying cash for all purchases, making it impossible to run up big credit card bills. If you’re short on cash, use the credit card that has the lowest interest rate. Contact the credit card companies directly if you need a reminder of the interest rate and terms of each account.

Your CPA Can Help—No matter what financial concerns you may have, your local CPA can help. Turn to him or her with all your financial questions.


TSCPA ( is a nonprofit, voluntary, professional organization representing Texas CPAs. The society has 20 local chapters statewide and more than 29,000 members, one of the largest in-state memberships of any state CPA society in the United States. TSCPA is committed to serving the public interest with programs that advance the highest standards of ethics and practice within the CPA profession.

Credit Repair: This Sneaky Trick Raises Your Credit Score Legally and Quickly Credit repair do-it-yourself. In this video I explain one sneaky *but very legal* trick that almost no one knows about that n…
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Q&A: Midland credit management is threatening me with arbitration. What does this mean?

Question by so_adorable21: Midland credit management is threatening me with arbitration. What does this mean?
I am trying to get my credit good by working through my debts one bill at a time. One of my accounts got sent ot Midland Credit Management. I spoke with one of the representatives trying to set up a payment schedule. She would not work with me on a 12 month plan. She would only go for 5 months on a higher amount. She then grew upset and pushy and informed me that they would be taking me to arbitration. I then tried to call the company back just to get a mailing address to send them a letter request verification that I have a legal obligation to them.

Best answer:

Answer by Mary B
That means that instead of sitting before a judge, you will be sitting in a room with a licensed arbitrator that has the same authority as a judge, and WAY more expensive, as well as a representative from the company.

You have a right to have legal counsel present, because you can be your bottom dollar, they will.

This is what you do…start sending them money anyway along with a letter on a 12 month plan. They HAVE to accept it…if they don’t…keep all of the checks that they sent back to you.

Send everything by check, certified mail, return receipt required.

That is the best ammunition that you have…you don’t even have to talk to those people if they are going to be that unreasonable.

What do you think? Answer below!