American Credit Repair: Everything U Need to Know About Raising Your Credit Score (American Real Estate)

The Definitive Guide to Raising Your Credit Score

Whether you're recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with “Everything U Need To Know…” to raise your credit score.

Everything U Need to Know about
Credit Repaire

* Obtaining and understanding consumer credit reports
* Correcting past mistakes and planning for the future
* Disputing inaccurate data on your credit file
* Dealing with collection agencies
* Avoiding foreclosure and bankruptcy

BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can't do without, and much more!

Editorial Reviews

From the Back Cover

About the Author

Trevor Rhodes is founder and CEO of AmerUSA, the nation's leading tenant credit reporting agency.

Nadine Smith, Esq. is a respected credit attorney, concentrating in consumer debt and tax law.

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Customer Reviews

Helpful and easy
My third purchase from this set and this one can truly help you. Chapter 10 on raising your score in less than 10 days is effective. Not only is the entire book easy to understand, but the CD is tremendously helpful in getting the process started for repairing your credit report. The CD contains letters already prepared for you to fill out, print and send.

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The Standard & Poor's Guide to Measuring and Managing Credit Risk

Today's most complete, up-to-date reference for controlling credit risk exposure of all types, in every environment

Measuring and Managing Credit Risk takes you far beyond the Basel guidelines to detail a powerful, proven program for understanding and controlling your firm’s credit risk. Providing hands-on answers on practical topics from capital management to correlations, and supporting its theories with up-to-the-minute data and insights, this authoritative book examines every key aspect of credit risk, including:

* Determinants of credit risk and pricing/spread implications
* Quantitative models for moving beyond Altman’s Z score to separate “good” borrowers from “bad”
* Key determinants of loss given default, and potential links between recovery rates and probabilities of default
* Measures of dependency including linear correlation, and the impact of correlation on portfolio losses
* A detailed review of five of today’s most popular portfolio models—CreditMetrics, CreditPortfolioView, Portfolio Risk Tracker, CreditRisk+, and Portfolio Manager
* How credit risk is reflected in the prices and yields of individual securities
* How derivatives and securitization instruments can be used to transfer and repackage credit risk

Today’s credit risk measurement and management tools and techniques provide organizations with dramatically improved strength and flexibility, not only in mitigating risk but also in improving overall financial performance. Measuring and Managing Credit Risk introduces and explores each of these tools, along with the rapidly evolving global credit environment, to provide bankers and other financial decision-makers with the know-how to avoid excessive credit risk where possible—and mitigate it when necessary.

Editorial Reviews

From the Back Cover

State-of-the-art tools and techniques for controlling credit risk exposure of all types, in every environment

The oldest risk in world financial markets--credit risk--has become a leading source of problems and confusion, not just for bankers and investors but for all finance professionals. The Standard & Poor's Guide to Measuring and Managing Credit Risk will help you understand every aspect of credit risk, and provide you with today's most up-to-date techniques and models for identifying, measuring, monitoring, and controlling your organization's credit risk exposure.

Praise for The Standard & Poor's Guide to Measuring and Managing Credit Risk:

"de Servigny and Renault have written a valuable reference book on the analytics of credit markets. Theory and data are integrated seamlessly throughout the manuscript. The mathematical treatment is complete, though not overbearing. The economics, pricing, structuring and capital allocation aspects are artfully combined into a coherent whole."

--Jamil Baz, Global Head of Fixed Income Research, Deutsche Bank

"This is much more than just a 'how to' book--it is analytically complete in that it looks at the microeconomics of industry structure to understand why credit risks have to be measured and monitored as well as being comprehensive in covering all the different approaches used to monitor and measure credit risk."

--Bunt Ghosh, Global Head of Fixed Income Research, Credit Suisse First Boston

"This extensive work, really clear while dealing with sophisticated methodologies, is right in the heart of today's concerns."

--Jean-Pierre Mustier, CEO, SG Corporate and Investment Banking

"de Servigny and Renault provide a comprehensive treatment of all aspects of modern credit risk measurement, management, and mitigation, not only for large corporations but also for retail and small business (with an excellent chapter on credit scoring). This book is an absolute must for both academics and risk professionals, especially those struggling with the implementation of Basel II."

--Michel Crouhy, Head of Business Analytic Solutions, Canadian Imperial Bank of Commerce

Fast-changing regulations, transformative technologies, and today's go-for-broke business mentality present investment banks and other lenders with default problems that are both unprecedented and daunting. To keep pace with this change, finance professionals are finding they must continually review and upgrade their credit risk management tools and techniques.

The Standard & Poor's Guide to Measuring and Managing Credit Risk takes you far beyond the Basel guidelines to detail a powerful, proven program for understanding and controlling your firm's credit risk. Providing hands-on answers on practical topics from capital management to correlations, and supporting its theories with discerning data and insights, this authoritative book examines every key aspect of credit risk, including:

• Determinants of credit risk and pricing/spread implications
• Quantitative models for moving beyond Altman's Z score to separate "good" borrowers from "bad"
• Key determinants of loss given default, and potential links between recovery rates and probabilities of default
• Measures of dependency including linear correlation, and the impact of correlation on portfolio losses
• A detailed review of five of today's most popular portfolio models--CreditMetrics, CreditPortfolioView, Portfolio Risk Tracker, CreditRisk+, and Portfolio Manager
• How credit risk is reflected in the prices and yields of individual securities
• How derivatives and securitization instruments can be used to transfer and repackage credit risk

Today's credit risk measurement and management tools and techniques provide organizations with dramatically improved strength and flexibility, not only in mitigating risk but also in improving overall financial performance. The Standard & Poor's Guide to Measuring and Managing Credit Risk introduces and explores each of these tools, along with the rapidly evolving global credit environment, to provide bankers and other financial decision-makers with the know-how to avoid excessive credit risk where possible--and mitigate it when necessary.

About the Author

Arnaud de Servigny, Ph.D., is the head of Quantitative Analytics for Standard & Poor's. A popular speaker at conferences and seminars throughout Europe, de Servigny is the author of a number of books and articles on finance and credit risk.

Olivier Renault, Ph.D., works in portfolio modeling in the quantitative analytics and products team for Standard & Poor's Risk Solutions. Prior to joining Standard and Poor's, Olivier was a lecturer on finance at the London School of Economics where he taught derivatives and risk.

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Customer Reviews

a complete, robust and comprehensive valuable resource!
In Measuring and Managing Credit Risk, the authors provided a robust, complete and comprehensive treatment of several aspects of modern credit risk measurement and management. Written by two high talented practitioners, this book will become certainly a reference both for academics and practitioners thanks to its careful treatment of several not so known empirical issues which practitioners have to face everyday. At the same time, do not consider the book as a new recipes book for managing credit risk. Both authors already proved their deep knowledges of financial theory and establish once again, through this book, how advanced knowledges of theory combined with significant practical experience make leading researches. As a PhD candidate in Finance, actually writing on credit risk, I definitively adopted this book and higly recommend it for anyone dealing with credit risk issues either through a practical experience or through a theoritical work.

Most Appropriate for Basel II
If you are Banker/Banking Consultant then this book is the closest you will get to understanding Credit Risk from a Basel II perspective. Its clear & lucid style helped me understand the gamut of techniques used in Credit Risk Measurement. Unfortunately the Book does not get into the details of bulinding models so if your looking for a model building cookbook, look elsewhere.

Must have for risk management
Yes, this is a must have. Written by S&P auther, it is the definitive guide, no question should be asked. cause they are credit king.

Many details on how to measure risk, quantitative methods in detail. Ideas and industry practice all in great detail. I could imagine some quants will use it as a cook book for their project.

overall, well written for easy read. both good for a glance at credit risk and for in depth learning of industry standard.

Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future, 2nd Edition

Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future, 2nd Edition

“A great credit score can help you finish rich! Liz Pulliam Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.”



–David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner



“Excellent book! Insightful, well written, and surprisingly interesting. Liz Pulliam Weston has done an outstanding job demystifying an often intimidating and frustrating topic for the benefit of all consumers.”



–Eric Tyson, syndicated columnist and bestselling author of

Personal Finance for Dummies



“No one makes complex financial information easy to understand like Liz Pulliam Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or check book–and that's just about all of us.”



–Lois P. Frankel, Ph.D., author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich



“In a country where consumers increasingly pay more when they have bad credit, Liz Pulliam Weston’s book provides excellent tips and advice on ways to improve your credit history and raise your credit score. If you just apply one or two of her insightful suggestions, you’ll save many times the cost of this book.”



–Ilyce R. Glink, financial reporter, talk show host, and bestselling author of

100 Questions Every First-Time Home Buyer Should Ask



“Your credit score can save you money or cost you money–sometimes a lot of money. Yet, most people don’t even know their scores, much less know how to make them better. Liz Pulliam Weston can help you fix that. In this easy-to-understand guide you’ll learn how to make sure your score helps you get the best deal on loans and insurance. You can’t afford not to read it.”



–Gerri Detweiler, consumer advocate and founder of UltimateCredit.com



Your credit score. It’s just three numbers. But it dictates whether you’ll get credit, and what you’ll pay. Insurers use it to set premiums. Landlords use it to make renting decisions. You need to understand it. In Your Credit Score, Second Edition, MSN Money personal finance journalist Liz Pulliam Weston gives you up-to-the-minute answers you can trust—and a proven action plan for building your credit, fixing it, and maintaining it, starting today!



Weston has updated this national bestseller with extensive new information, including an inside look at the new VantageScore credit scoring system, “Fast Fixes” that actually work, and powerful tips for first-time borrowers.



You’ll discover how your scores are affected by everything from applying for loans to closing accounts...how to cope with a credit crisis, and bounce back from bad credit or bankruptcy...how credit counseling really affects your score...why paying old debts can actually damage your score...how to reduce your exposure to identity theft, and much more!



Acknowledgments xvii

About the Author xix



Chapter 1: Why Your Credit Score Matters 1

Chapter 2: How Credit Scoring Works 13

Chapter 3: VantageScore–A Revolution or Just More of the Same? 29

Chapter 4: Improving Your Score–The Right Way 37

Chapter 5: Credit Scoring Myths 57

Chapter 6: Coping with a Credit Crisis 69

Chapter 7: Rebuilding Your Score After a Credit Disaster 89

Chapter 8: Identity Theft and Your Credit 111

Chapter 9: Emergency! Fixing Your Credit Score Fast 139

Chapter 10: Insurance and Your Credit Score 147

Chapter 11: Keeping Your Score Healthy 163



Index 179













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Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score

Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score If bad credit has happened to you, there is something you can do about it

Feeling broke and battered? We know the feeling—heck, everyone knows it. According to the Wall Street Journal, 110 million Americans have bad credit—almost 50% of the adult population. But we don't have to be depressed or discouraged about it. There is life after bad credit. In fact, there's even life during bad credit.

Living Well with Bad Credit is the right help at the right time. If you're bravely soldiering on despite your finances going south, this informative book is for you. It puts the emphasis on living with bad credit—and living well. Veteran journalist Geoff Williams (AOL' s personal finance blog WalletPop, CNNMoney.com, Bankrate.com) and media powerhouse Chris Balish, an Emmy Award-winning broadcast journalist and author (Living Well Without a Car), have teamed up to bring readers:

• Usable tips on how to embrace, and even benefit from, a low credit score
• Invaluable advice for dealing with 'lifestyle' events such as how to buy a car or qualify for a credit card with bad credit
• Interviews with dozens of experts and successful professionals who share ideas on how to live with the negative effects of bad credit
• Practical discussion on topics that go beyond finance, such as healing self-esteem and building relationships in spite of bad credit

While bad credit can be a setback, it doesn't have to be a roadblock. This expert guide is just the ticket to a better life once again










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How to Repair Your Credit Score Now: Simple No Cost Methods You Can Put to Use Today

How to Repair Your Credit Score Now: Simple No Cost Methods You Can Put to Use Today
Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You re about to take the important step of taking control of your credit! If you re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.













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How to Measure Finance Strength of Online Banking Companies

A good and decent company abides by set objectives and fulfills these objectives to promote growth and progress. Measurable company KPI's should complement these objectives to maintain integrity while in the process of realizing the said objectives. The question of integrity will always be there since there is more than one way to achieve an objective. Unfortunately, some of the ways can be tagged as unethical to common business standards, thus, the issue with integrity. Methods, like how to measure finance, can be intervened. Results can be tampered just to show a solid intra-company economy, despite the fact that the company is suffering losses.

Now, why would a company do that? The answer is simple. A revealed weakened state does not attract investors at all. On the contrary, investors flee at the first sight of heavy loss. Putting it at a more understandable perspective: Would you pour precious water into a leaking container? If you are aware that the container has a leak and you deem your water precious, pouring it in would just mean you are wasting your water, and you are very well aware of the process. It makes sense when placed into this context. Or, does it? Either way, investors will never waste their money on something that could mean a sure loss on their part when it comes to ROI or returns on their investments.

The strength of online banking companies is evident at a distance. Even if you have not been to their webpages or have not read some of their company background, the people they have done business with can pretty much mirror what they really are. Satisfied customers are walking ads for these online banking companies. So, this is one way of measuring their finance strength, through people they have done business with.

Online finance companies, more or less, revolve around these two common objectives: customer acquisition and minimized interactions cost. For sure, both objectives are easy to understand. For customer acquisition, it simply means the accumulation of customers to do business with. As for minimized interactions cost, it means that the company will keep expense at a minimum for every interaction done between them and their customers. Since there is mention of KPIs indirectly affecting a company's ways in achieving company goals or objectives, it will be wise to determine specifically what these are.

Customer acquisition has a separate set of KPIs; these are account sign-up, addition of new accounts, application downloads (since the company is online), pre-approvals (for new accounts opened), and locating an agent. High marks on these measured KPIs ensure the accomplishment of the customer acquisition objective. The KPIs for the second objective, on the other hand, are as follows: average cost/interaction, self-service visits, response (email, calls, etc.), and web percentage of customer interactions.

Summing up, the two ways on how to measure finance strength of an online banking company are through the people the company has done business with and the strict compliance to the KPIs the company follows to achieve their objectives. Fulfilling these two and observing integrity every step of the way will not need a cover up of losses since a company will never experience loss after it accomplishes its objectives without cheating through them.

Article Source: How To Measure Finance

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How to Save on Car ..........

How to Save on Car Fuel by Cutting Operating Costs

The annual operating costs of a car include fuel costs, tyres, replacement of parts, general maintenance and servicing costs, motor insurance and depreciation. Of these, fuel costs are the ones that are currently hurting car users the most because oil prices are at historical highs and are expected to stay around these levels. Now is the time for car owners to evaluate commuting habits and accordingly alter ones behaviour to offset the rising fuel costs. The following are some suggestions that can help car owners.

• Consider alternative fuel options to petrol: Diesel and CNG are options you can consider to cut down on your petrol bills. Both are cheaper, but CNG will also be more environmentally friendly. A CNG kit does not cost a lot and can be more fuel efficient in the longer run than a petrol or diesel car.
• Control your speed: As speed increases, the car’s engine works more and this results in more fuel being consumed. Drive at a constant speed, rather than frequent acceleration and braking.
• Idling: Idling and being stuck in traffic jams is not only frustrating but also wastes fuel. Consider starting your commute earlier than normal so you can avoid rush hour. You might get an uninterrupted ride to work, thus allowing you to save on fuel consumption. Alternatively, if you cannot avoid rush hour and jams, switch off your car’s engine if you know that you are going to be stationary for more than 2 minutes.
• Use the car AC judiciously: Using the car AC is a trade-off between higher fuel consumption due to more power being consumed, versus poor aerodynamics on the car due to high wind resistance if the car has its windows open. When weather permits, switch off the AC, especially while driving within the city limits. You can save minimum 10% on fuel. For long distance travel at constant speed around 60 km/hour switch on the A/C.
• Maintenance: Regular maintenance and servicing will keep your car in a healthy condition. Get your car tuned regularly. Check the engine oil periodically. Replace the air filters as needed. You will be surprised that your car become at least 10% more fuel efficient just through these good habits.
• Get rid of extra weight in the car: The heavier your car is with extra items like boxes or bags, sports equipment and other clutter in the boot, the more fuel that your car will consume. Get rid of the extra weight and improve fuel efficiency.
• Optimum air pressure: Check the tyre air pressure. Under inflated tyres will burn more fuel and give you an uncomfortable ride because they don’t drip the road as well. You can save up to 5% just through optimum tyre pressure.

Article Source: financial planning






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How to Pay Down Student Loans

If you owe $60,000 in student loans, and begin your first payment 6 months after you graduate, you will have to make a payment of $500 per month, every month for ten years! Plus, don't forget to keep adding on the interest! If you are lucky enough to land a job that starts at $25,000 a year, you'll probably take home about two thirds of what you gross because of taxes and benefits. Then pay your $500 student loan payment, you will be able to take your remaining $875 a month or $219 a week to pay all your other bills!

It probably won't take you long to realize that your quality of life as a college grad has been reduced to where you were if you worked in fast food during high school! And we still haven't factored in all the interest!

The solution is simple, but may require a little "out of the box thinking". We have all been taught that most of us trade our time for money. We work for our bosses, performing a task they need done, and they provide us with money, for us to pay our debts and provide our needs.

More people today, than ever before, are learning the secrets of adding streams of residual income. The Internet has given us a tool, that used properly, can literally allow anyone to sit at home in his or her pajamas, and still make money online. Billions of dollars are being exchanged on the web each year. Fortunes are being made, but more importantly, so are residual cash systems that can solve the problems of everyday people. People who go to work or school each day, and try to live right and raise families.

Let me give you this thought. "There is a limit on the amount of time we have to make money - there is no limit on how much residual income you can make!"

Consider this as well. We all dream about becoming wildly wealthy, where we quit our jobs, travel the world, and buy everything we could never afford before. But you could still be pretty happy if you could set up little cash generating systems, that could make enough to pay specific bills every month, allowing you to purchase the items you want and get them when you want.

Becoming extremely rich is nice, but probably a lot harder than setting up a system to earn $125 a week to pay your student loan. How about $300 a month for a new car? Would an extra $400 per month ease your credit card payments?

Click the link below to learn more about some of the best ways on the internet to set up small cash generating systems, that once in place, can provide residual income to pay residual bills. As your wants and needs increase, a little additional effort can provide additional residual cash systems.

You have your whole life ahead of you. Start it off on the right foot, by paying down your student loans. A little effort now will help you live the life you deserve! Visit the website below and start your journey right. Start today and pay down your student loans! Click Below!

Article Source:Student Loans

How to Refinance Your Student Loans and Save a Bundle

Do you need to refinance your student loan? There are millions of former college students out there stuck with student loans that have annual percentage rates (APRs) that are just way too high. When we signed up for the loans, we just wanted to get into college and we weren't worried about paying them off. After all, we didn't have to pay them back until we were out of school and by then we would have a great job and be rolling in money. Well, now the time has come to pay the piper. The good news is that there are a few ways that you can ease the burden of your student loans.

APR Is The Key

What you want when you go about refinancing a student loan is a lower APR, or annual percentage rate. Your APR is essentially what it costs you to get credit from a lender. Your APR is a percentage of your loan and the amount of money it represents diminishes as your total loan amount diminishes when you make payments. Lenders profit by charging APRs for their loans.

Fees For Refinancing?

Another vital thing you have to think about when you go to refinance your loan is the actual cost of refinancing. While there are some lenders that won't charge you an upfront fee, there are some that will. Avoid lenders that want to charge you an upfront fee that will end up costing you more on a monthly basis, as that totally defeats the purpose of refinancing in the first place. If a lender wants to charge you a small upfront fee that saves you money via lower monthly payments, you can consider it but just know that those fees will cost you more in the long term.

Will The Bank Help?

The first place you should look to refinance your student loan is your bank. The bank in which you do your personal banking is a great place to begin because you already have a financial relationship with that institution and they know you. Your bank has records of all the business you've done with them and has a good picture of your financial situation. Your bank check your credit report just like any other lender, but banks often enjoy having customers participating in several of their "products," as it gives them stronger bonds with individuals that are less likely to default on their loans because of their strong relationship with their bank.

Conclusion

There are certainly other ways in which you can refinance your student loan, but you must always be suspicious of some lenders, especially those that you have never heard of. Some of these lenders often will write loans with excessive jargon that ends up putting the borrower in a really bad situation. If you decide to try one of these lenders, make sure you go over all the fine print and thoroughly examine everything loan before you sign on the dotted line. You may even want to have an accountant or financial advisor look over it for you. You can save a lot of money if you refinance a student loan, but you have to make sure you get the right loan.

Article Source:refinance student loan

How to Repay Student Loans - Simple Planning That Will Save Your Cash

Do you find yourself wondering how you're going to repay your student loans? These days, you simply must have a college education to get a good job and for most that means you're going to have student loans. These various loans can often get unmanageable when you get behind on payments and entirely lose control of the situation. Fortunately, there are a couple of options out there that can help you out.

Refinancing?

First, there is refinancing. Refinancing saves you money because you transfer your loan to another lender that will give you a lower APR (annual percentage rate). Your APR is the total cost of the credit the lender is giving you. It is a percentage of your total loan and the amount of money it represents decreases as your loan amount decreases when you make payments on it. Before you jump in, however, you should consider the cost of refinancing. While there are some lenders that won't charge you a fee up front, there are some that will. Don't use a lender that will charge you a fee that will end up costing you more on a monthly basis, for obvious reasons.

Should You Use Your Bank?

The place in which you do your personal banking is a great place to start when you want to refinance because you already have a relationship with them and they know you financially. They have records of all the business you've done with them in the past and have a fairly good idea of what you are about. Banks enjoy having customers attached to several of their "products," as it gives them longer-lasting bonds with these individuals; individuals that are less likely to default on loans with a bank with which they have had a long-lasting relationship.

Consolidation?

Another great option is consolidation. Consolidation simply means that all of your student loans are "bought out" by a lender (possibly even the lender that holds your current loans) and lumped together into one loan. You are then able to pay on all your loans in one monthly payment, rather than several smaller payments. You save money in the short term because you are making lower monthly payments, but over a longer period of time.

Word Of Warning

One factor you have to think about is that consolidation will cost more money in the long run. While you do save money immediately, the accumulated interest will ultimately cost you more on the back end of the loan. The smaller payments help you deal in the short term but interest will continue building on your loan. What this means is that you are only going to be paying a little bit at a time on the principal, i.e. the full amount of your loan, not counting interest or other fees. Most of your monthly payment will be applied to the interest on your loan, which means that it will take you longer to pay it off.

Conclusion

If you are a college graduate struggling with several student loans, you do have options. Don't turn to bankruptcy just yet; first consider refinancing and consolidation. Both of these options make it a lot easier to repay student loans.

Article Source: repay student loans

What PayPal Doesn't Want You to Know About Their Protection Program

Online shopping has never been so popular. These days, more and more people are using online marketplaces such as eBay to shop for their needs. Buying online is not only convenient, but it empowers buyers. They can use comparison engines such as Froogle and PriceGrabber to get the best prices and save money in the process. And best of all, you don't have to physically present in a store to be able to buy things.

PayPal has been around for such a long time, and it makes it so easy to pay for things online. Anyone who has used eBay in the past few years has probably used PayPal to pay for items on eBay. PayPal is so popular that more online stores are adding PayPal as a payment option. After all, not only it's convenient, but also it's a very secure option for both sellers and buyers. Or is it?

PayPal promises a lot to both sellers and buyers. Most people use PayPal as they find it to be secure and easy-to-use. However, hackers have managed to access numerous PayPal accounts in the past, and that problem is only getting worse. Hackers access people's accounts by sending them fraudulent e-mails to gain access to their account information. Unfortunately, there is so much PayPal can do to avoid this issue. So it is essential for the consumers to go to PayPal by clicking on any email link.

PayPal offers protection to both buyers and sellers against fraudulent activity. PayPal's seller protection program protects sellers against unjustified chargebacks and reversals. But the protection is not foolproof, as sellers are not protected against "Significantly Not As Described" claims.

Buyers are also not fully protected by PayPal's buyers protection program. While you can dispute transactions that you have done via PayPal, it does not protect you against items that you have bought on other marketplaces than eBay. In addition, the complaint process is very time-consuming, and there are many loopholes that PayPal can use to reject you complaint. Worst of all, PayPal does not cover non-physical products. That means if you purchase a website on a marketplace such as SitePoint, PayPal will not protect your purchase against fraud.

In most cases, it is better to only add credit card accounts with $0 fraud liability to your PayPal account. That way you can dispute your transactions with your credit card company regardless of PayPal's decision. PayPal is a wonderful service that helps millions of shoppers has a rich online shopping experience on a daily basis. However, the protection provided to buyers is not nearly enough. By using a PayPal credit card account that protects you against fraud, you can shop online more freely, knowing that your transaction is protected regardless of the loopholes available in PayPal's protection program.

Article Source: credit tricks

How Do You Remove Charge Offs From a Credit Report?

1. Actively seek to repair your own credit.

Credit repair will not just come to you one day. If you do not seek to repair your own credit charge offs will stay on your credit report by law for 7 years. If you pay a charge off it will still remain on your credit report. However, once a charge off has been paid it is much easier to have it removed from your credit than an unpaid charge off. The easiest way to have a paid charge off removed is to dispute it.

2. Dispute charge offs. (And all negative items on your credit report for that matter)

It is your right as a consumer to dispute any negative items on your credit report. According to the Fair Credit Reporting Act you can dispute charge offs, Article Source:repossessions, foreclosures, collection accounts, bankruptcies, tax liens, judgments, etc. The point is anything on your credit report can be disputed, so dispute your charge off.

3. How to dispute negative items on your credit report:

Contact the credit bureaus. The best and most effective way to do this is to write to them and clearly state your intentions in your letter. Make sure all credit reporting agencies who report the negative items on your credit get the same letter. If at all possible include the credit report with the item circled so there will be no confusion.

4. Conducting the investigation.

The best part about this step is that you do nothing but wait. Once you dispute the charge off the credit bureaus then have 30 days to investigate the charge. They contact the original creditor by sending out an electronic notice asking them to agree or disagree with the dispute. They do not check out the information with the courthouse that they are supposed to they merely run the document against a public record database. If the dispute is not validated within the 30 day time frame it must be removed from your credit.

5. Follow up with the credit bureaus.

It is important that you do your own follow up. Many times credit bureaus will not just remove items from your credit you have to make sure to follow through with phone calls. But it will be worth it in the long run. You will begin to see a rise in your credit score in no time.
Article Source:
Lexington Law


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How to Apply For a Credit Card Online

If you are looking for the best way to apply for credit cards online, you can go to a website that offers you a way to view all of the different credit cards at one time. This gives you a chance to compare credit card rates and terms and select the one card offer that seems best to you.

Online credit card application is also available, and this offers you one of the fastest ways to complete and submit your information. The site is secure and hacker proof. This assures that all of the personal information that you send will remain private. With things like identity theft becoming more of a problem every day, it is imperative that consumers can transmit identification data through a protected and secure avenue. You can receive an approval notification in a few seconds and choose to accept the card offer immediately. If you do this, you can have your new credit card in a few days.

The credit cards online are the same ones that all of the banks and other lenders use, and the time that it takes to apply is faster in many cases when you go online to apply for yourself. You can't beat the convenience that an online credit card application gives you. Users will be able to find cards quickly that cater to certain demographic groups, and these usually have special rates and offers. A college student can apply for a student credit card which can be used to help with the many college expenses that they will incur. These usually have some low interest rates, and can be used to help build a valuable credit history and get them started on the right financial path. Some of these student cards also have special offers when used for school related purchases and expenses.

For more info on how to apply for credit cards online, visit creditcardhelp.com.au which provides you with an unbiased comparison on many different card offers.

Article Source:EzineArticles.com