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Posts Tagged ‘Credit’

Insider Secrets To Credit Card Processing

There Are 10 Million Merchants That Accept Credit Cards As Payments. The Card Processing Industry Is Unregulated And Crooked. This Book Is A Step By Step Guide To Shed Light On This Industry. Merchants Will Be Able To Automatically Get The Best Rates Now!
Insider Secrets To Credit Card Processing

Getcreditrepair.org Reports HUD Asks Mortgage Lenders to Relax Credit Scores

United Debt Counseling 1-800-665-9981

Fort lauderdale, FL (PRWEB) February 08, 2012

In a move that seems to defy conventional wisdom, the Department of Housing and Urban Development has asked mortgage lenders to relax their minimum credit score requirements allowing a greater number of applicants to receive an FHA loan.

Until the mortgage bubble burst as a result of subprime lending practices in the past, Federal Housing Administration loans were easily accessible to a wide range of borrowers. That changed with the mortgage meltdown and increased tightening of underwriting standards and credit score requirements. Presently, an FHA insured mortgage requires a 700 plus credit score. Judi Lisbin, spokesperson for http://www.GetCreditRepair.org a company that helps consumers improve their credit scores by removing erroneous and outdated entries on credit reports said, “A good majority of our clients, whose credit scores would have otherwise qualified them for a mortgage, have been shut-out by the current high credit score requirements imposed by the lenders.”

One reason for the higher score criteria is that currently mortgage lender performance is compared to the average default rate for all FHA loans, which subjects the lender to a higher default rate if they approve a loan to a borrower with a lower credit score. For the lenders, high default rates subject them to additional FHA and HUD audits, and possible indemnification demands for actual and future loan losses. To avoid these consequences, lenders are more comfortable offering loans to borrowers with higher credit scores. Before they agree to the request from HUD, the lenders are demanding that the current method of performance review be changed so loans with similar credit scores and risk characteristics are monitored and compared one another.

Lisbin said, “Until HUD and the lenders agree on a system that accommodates each of their needs adequately, the only way for a borrower to qualify for an FHA guaranteed loan is to get their credit score up; and many borrowers ignore this relatively simple step before applying for a home loan.”

GetCreditRepair.org works with consumers, credit bureaus and creditors to resolve negative,

erroneous and outdated items on credit reports. For more information about credit repair contact 1-800-665-9981, email udcmanagers(at)udcteam(dot)com, or go to http://www.getcreditrepair.org

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More Get Credit Score Press Releases

Credit Services Today Expands Locations to Provide Valuable Professional Validation Services

Credit Services Today

Seattle, WA (PRWEB) July 14, 2011

Credit Services Today’s Professional Validation Services will make certain you have the correct information you need to make sure your credit report is updated accurately by validating each of your enrolled creditors. The Professional Validation services will challenge each of the accounts on your creditor report and request that each be verified by the account holder as well as the three major credit bureaus. If your account holders are not able to verify each account under the stringent guidelines of the Fair Credit Reporting Act then by law it will have to be stricken from your credit report. Credit Services Today has experienced great results using their time tested and persistent methods of challenging your accounts. One in four Americans have something on their credit report that is not their own and Credit Services Today will ensure you have the correct information on each of your credit reports. You will have the option to be enrolled into Mint.com’s Personal Finance Management Software (“Mint”). Mint’s technology does everything automatically, in ways that other online banking applications and personal finance management software don’t. Mint provides useful information and smart, specific recommendations for saving or making more money based on each user’s individual purchase history. You can set a budget, track your goals and do more with your money.

Credit Monitoring Assistance will provide you with the best software options available that will check your three credit reports daily and notifies you by email alert notifications when key changes are detected. It is important that you check your credit reports regularly because early detection is important in minimizing the damage that mistakes and fraudulent activity can have on your credit, affecting the purchases you make, your credit score and much more. The more insight you have about your credit, the easier it is to strengthen your financial well-being. You play a very important role in the credit reporting process by helping insure everything being reported is correct. You will be able to view your credit report and ability to dispute incorrect credit report information online. Credit Services Today has partnered with Credit Alliance Group Debt Consolidation Company, one of the largest debt consolidation companies in the nation in order to compliment Credit Alliance Group’s current services.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Credit 101 – Understanding Your Credit Score & How To Get An Auto Loan

Auto Loans Charlotte

Charlotte, NC (PRWEB) September 12, 2011

There is so much to understand when it comes to credit when you are trying to buy a car. What is a good score? What is a bad one? How can I raise my credit and what brings my credit score down? Sometimes these things can be confusing, and even misleading. These days many people end up with bad credit scores simply because they didn’t know what they were doing and how credit works. So for those of us who can’t always understand all that legal mumbo jumbo posted on the backs of credit card applications, here’s a short crash course in the American credit system.

Basics: What is a credit score?

Just like the A or the F you got on your report cards in school, the credit score is a number which is supposed to represent how well you are doing with your credit. When your score is higher it is supposed to indicate to lenders that you have been managing your credit well. This score is used by banks and other financial institutions to determine the likelihood that you will be able to pay back any money that they loan you. The better your score then the more trustworthy, or creditworthy, you are. If you have a good score and banks consider you more creditworthy then they will be willing to lend you more and give you better rates. This is how having good credit works. But if you have a bad credit score, it can be difficult to get a new loan or credit card which can be devastating when you really need a new house or car.

What is a good or bad credit score?

A good or bad score is somewhat subjective because certain companies or people may think of some scores as good scores even if another company may not. Generally the higher your score is then the better it is, but it is nearly impossible to have immaculate credit. As we’ll talk about when we discuss FICO and credit reporting agencies, there are different ranges of credit score depending on where you get the score from. The most popular is the FICO range, which is from 300 to 850. According to FICO, credit scores above 770 are considered excellent and at that point it doesn’t really matter if your score is higher you are already considered extremely creditworthy. Once into the 700-770 range of scores you are still considered to be very creditworthy. Think of this like an A on your report card and a 770 is an A+. Of course, you don’t have to have an A or an A+ to be considered creditworthy. The average credit score for someone with good credit is around 650. 620 is where things start to get murky though. This score is the difference between good and bad credit. Most financial institutions consider 620 to still be good credit, but anything lower is going to start to be not so good. There is still some leeway with a score of around 600, but much less than that and you are likely going to be completely denied further credit. Anything less than around 550 is considered absolutely terrible.

How do they determine my credit score?

Your credit score is a makeup of several different factors which are meant to determine your creditworthiness. The most important factor is your payment history, where companies look to see that you make regular payments for the right amounts and check that you make those payments on time. The second most important factor in your FICO score is the amounts that you still owe to current financial institutions. Banks want to make sure that you can pay them back and if you have a lot of other things to pay back they assume it will be difficult for you to handle paying back yet another account. Your length of credit history also poses a significant factor in your credit report. Newer accounts are actually more beneficial. Older accounts show banks that it takes you a while to pay things off. FICO also looks at your lines of new credit. If you have recently opened a lot of new lines of credit, or submitted a lot of new credit applications this can seem desperate and negatively affect your credit score. For more factors that can negatively affect your credit score see our article 8 Missteps to Bad Credit.

What is FICO? What are credit reporting agencies?

Perhaps the most confusing part of understanding the credit system is understanding exactly what FICO and all the other credit reporting agencies actually are. FICO is the most popular credit scoring agency, and is what most lenders look at when determining your creditworthiness. There are actually three major credit reporting bureaus: Experian, Equifax, and TransUnion. The way these companies work is that when you sign up for new lines of credit those lenders send your credit information to the credit reporting bureaus. The lenders tell the bureaus whether you make your payments on time, how much your credit line is for, how much of your credit line you have used, and many other things about your credit line. Then the credit reporting bureaus compile your credit information into a database of information about all your lines of credit. However, the problem with this is that a lot of lenders only report your credit history to one or two of the reporting bureaus instead of all three. Each reporting agency may have different information on file for you depending on which lenders have sent them your information. Regardless, unless you have managed your credit perfectly in one account and completely ignored other accounts, your credit score should be generally the same across all three reporting agencies. Now that we know what the credit reporting bureaus are, we can understand what FICO is. FICO takes the credit information provided by these three credit reporting bureaus and creates a credit score based on its credit scoring criteria mentioned above. FICO does not compile the information in all three agencies to provide us with one credit score and instead does provide us with three credit scores, one based on the information provided from each of the three reporting agencies.

Can I get a copy of my credit score?

Because of the Fair and Accurate Credit Transactions Act, every U.S. resident is entitled to get a free copy of their credit report from each of the three major credit reporting agencies every year. You are entitled to one from each agency, which means you actually get three credit reports per year. But this can be very misleading to consumers. The credit reports that you are entitled to are only reports from Experian, Equifax, and TransUnion. You are not entitled to a copy of your FICO score, which is what most lenders use to determine your creditworthiness. The Experian, Equifax, and TransUnion reports can be very helpful to consumers in determining whether you need to work to improve your credit score, since they will provide you with information on how creditworthy you may appear to be to lenders. But in some cases it may be more beneficial to you to purchase your FICO scores, or purchase a score from another service. Also if you would like to monitor your credit score more than once a year, FICO and other credit scoring agencies offer services where you can receive monthly or quarterly credit scores. It may be helpful to ask potential lenders which credit scoring services they will be looking at and then go out and purchase those exact scores.

What about services that claim you can receive a free credit report?

We’ve all heard the catchy jingles on TV and the radio advertising free credit reporting websites, but you should be wary of any credit scoring or reporting service which claims to be free. Annualcreditreport.com is the official website for ordering the annual free credit reports that you are entitled to by law. A lot of websites that advertise free credit reports do not give you the scores that lenders will actually be looking at, and often only use scores and reports from just one of the three major credit reporting bureaus. Usually these types of sites will claim that their reports are free, but you are actually required to sign up for a free trial of their membership service to see your score. These sites will make it very difficult for you to cancel your membership during the trial period, and if you don’t cancel soon enough you will be charged for a monthly membership until you do cancel. Even if you do manage to cancel your monthly membership without incurring any fees, these types of websites will often spam your email inbox long after you have cancelled. Be sure to look closely at the fine print for any “free” credit report website before you sign up and look for reviews online before you buy.

Now that you know the basics of the credit industry, you can make informed decisions about what types of credit are right for you and how to manage your credit wisely. We hope you will think of CreditCapitol.com as you look into which credit options are right for you. In addition to providing excellent auto loans, the staff at CreditCapitol has a strong partnership with Liberty Buick GMC Trucks & Cars and can help you find the right car for your budget. Both companies work together to find the vehicle that you need with the financial package that fits your lifestyle.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Find More Three Credit Reports Press Releases



Profinity Launches New Full-Featured Credit Monitoring Service

Boca Raton, FL (PRWEB) June 09, 2011

Profinity LLC announces the launch of Profinity Credit Monitoring. For a low monthly fee of $ 14.95, Profinity Credit Monitoring subscribers will have unlimited access to an Experian credit report, 24/7 credit monitoring with email alerts of account activity, credit fraud consultation and access to a comprehensive online Credit Education Center. To introduce this new service, Profinity Credit Monitoring is offering a free one-week trial, with no obligation to enroll.

“For American consumers, being able to buy a car, acquire a home, pay for a college education and make everyday purchases depends on good credit,” says Mark Beacham, President of Profinity LLC. “We are therefore pleased to introduce Profinity Credit Monitoring. Profinity Credit Monitoring offers consumers who borrow a program of credit protection and credit education that is both comprehensive and reasonably priced. The program also includes consultation services to subscribers whose security has been compromised.”

“We believe that American consumers will be quick to recognize the value and security that Profinity Credit Monitoring delivers,” says Martin Toha, Profinity founder. “More than just a credit report or fraud-alert program, it conveniently provides a full range of borrower resources, protection and information. With toll-free access to customer service representatives and a range of interactive online tools available 24/7, Profinity Credit Monitoring will offer a highly responsive customer service to members who need credit activity or credit fraud information.”

To learn more about the services that Profinity Credit Monitoring provides, as well as its free one-week trial offer, visit: https://www.profinity.com/

About Profinity LLC

Profinity LLC, a Boca Raton, Florida-based corporation, is a management and marketing solutions company that works with B2C clients to deliver shopping cart abandon, order confirmation, and opt-in online post-transaction programs. Profinity helps to identify fraudulent orders and prevents and reduces credit card chargebacks for its partners. Profinity offers robust consumer discounted programs with enormous price breaks to consumers. For more information, please visit http://www.profinity.com.

Contact: Paul C. Quintal, Executive Vice President, Profinity.com at 603-205-2224; paul(at)profinity(dot)com

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Bad Credit Reporting by Debt Collectors Can Lead to Credit Denial and Higher Interest Rates for Consumers

Phoenix, Arizona (PRWEB) November 29, 2011

A recent case (2:10-cv-00548-MHB) filed in the United States District Court for The District Of Arizona, alleging incorrect credit reporting of a consumer’s debt and subsequent mishandling of a consumer’s request to verify and dispute that debt, was litigated successfully by Weisberg & Meyers, LLC, Attorneys for Consumers. According to court documents in Pinkerton v. National Credit Services (NCS) of Oklahoma and Capital Assistance Group, LLC, an alleged debt was reported to credit reporting agency Experian by debt collection agencies National Credit Services (NCS) of Oklahoma and Capital Assistance Group (CAS), LLC prior to the Plaintiff receiving notification of the alleged debt. The negative item remained on the Plaintiff’s credit report even after a verification and dispute letter had been sent to the collection agency. The mishandling of the reporting of the debt to the credit reporting agencies was found to be a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692k(a) as reported in a judgment by Michelle H. Burns, U.S. Magistrate Judge.

According to court documents, Plaintiff Billy Pinkerton received a mailed letter with the information that his application for a TrueEarnings™ Costco American Express credit card had been denied. Since Mr. Pinkerton was current on his financial obligations and had a good credit history up until that point, he was confused by the credit denial and at that time obtained a copy of his credit report. The report allegedly showed an item reported by NCS of Oklahoma for a debt to Columbia House that Mr. Pinkerton disputed shortly after receiving notification of the reporting of this negative item on his credit report. Mr. Pinkerton had not received a written communication from National Credit Services until after he disputed the debt, though the item had been on his credit report for many months prior.

In another Weisberg & Meyer LLC, Attorneys for Consumers complaint, (Case No. 2:10-cv-01026-DGC) Eric Smith v. National Credit Systems Inc., filed in the United States District Court for the District of Arizona, Plaintiff Eric Smith was allegedly threatened by the defendant that a disputed debt would be placed on his credit report if he didn’t pay the debt within the 30 day dispute period. This is an alleged violation of the Fair Debt Collection Practices Act (FDCPA) 1692e5. According to the complaint, Smith admits to having co-signed on his daughter’s lease, which is what the alleged debt was for. According to court documents he allegedly does not admit or agree to owing the amount that defendants claim is due, which allegedly includes excessive fees and charges not authorized by the lease and applicable law.

Many consumers do not discover that a negative item has been added to their credit report until after a credit application for a consumer credit loan such as a home mortgage, car loan, or student loan has been submitted. According to consumer research studies, negative items seriously damage not only efforts to get a loan from certain lenders but also will raise the interest rate which means higher payments over the life of the loan. By the time the item has been handled, the loan application process may have ended and it may be difficult to get the original terms changed or there may be a need to reapply once the item has been disputed and removed.

To ensure information in a credit history and credit report are accurate, its wise to obtain a free credit report at least once a year, or prior to applying for any long term loan or credit card to ensure that bad credit reporting doesn’t rear its ugly head. A free copy of your credit report from all 3 credit bureaus can be obtained by visiting AnnualCreditReport.com.

About Weisberg & Meyers, LLC, Attorneys for Consumers

Weisberg and Meyers, LLC, Attorneys for Consumers, is a nationally recognized consumer law firm, has attorneys licensed to practice in Arizona, Colorado, Florida, Georgia, Illinois, New Jersey, New Mexico, New York, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Washington, and works with attorneys throughout the country to protect the rights of aggrieved consumers. The Firm’s diverse practice includes claims under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), as well as violations of the Telephone Consumer Protection Act (TCPA), Truth In Lending Act (TILA), the Electronic Fund Transfer Act (EFTA), Fair Credit Billing Act (FCBA), Equal Credit Opportunity Act (ECOA), Consumer Leasing Act, Credit Repair Organizations Act, (CROA) and State Unfair and Deceptive Practices Acts (UDAP’s). The Firm also offers Debt Settlement services, prosecutes Class Action Lawsuits, and handles Breach of Warranty, Lemon Law and Consumer Fraud Claims.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Credit Report.com Press Releases

5 Credit Card Facts Students Won’t Learn in College

Los Angeles, CA (PRWEB) January 16, 2012

As college students return back to school, credit card companies will be waiting for them. Unfortunately, too often is the case where credit education falls by the waist-side. StudentCreditCards.com has put together a tip sheet with 5 little known facts about the credit card.

1. The first ever credit card was the Diners Club card, first issued in 1950 for people to use in a select group of New York City restaurants. Although individual businesses, such as oil companies, hotel chains, and department stores had issued charge cards before, this was the first example of a card that individuals could use to pay their bills at multiple businesses. The idea caught on, and within a year, over 20,000 people had the Diners Club credit card. By 1958, both American Express and BankAmericards entered the market, and the rest is history. Today, the BankAmericard, now renamed Visa, is the most common type of card, followed by MasterCard, American Express, and then Discover.

2. Applying for multiple credit cards in a short period of time can lower your credit score. Every time you apply for a credit card, the issuer checks your credit score. This is called a credit inquiry, and it is noted on your credit report. Each inquiry lowers your credit score by up to about five points, and having many of them at the same time can result in an even larger impact. This is because it looks like you are desperate for credit, which indicates that you are not financially stable and might not be able to repay your debt. Statistics show that if you have made six or more credit inquiries in the past two years, you are eight times more likely to declare bankruptcy than someone who has made no inquiries.

3. Your credit score does not only affect whether you get approved for a credit card or loan, but it also affects your interest rate. Lenders give the lowest interest rates to people with the best credit scores because they are less likely to default on the loan. If you have a low credit score, you will have to pay more in interest because the lender is taking a big risk lending to you, and you have a greater chance of costing the lender by not repaying your debt. Therefore, having a bad credit score can cost you thousands of dollars extra in interest, especially on big loans like mortgages. With a 30-year mortgage for $ 200,000, you will pay $ 22,296.51 more in interest if you have an interest rate of 5.5 percent than you will with an interest rate of 5 percent.

4. The Credit CARD Act of 2009 helped consumers by making credit card bills much easier to read and understand. Now, all bills must clearly show the minimum payment and tell you how long it will take to pay off your balance if you make no new charges and pay only the minimum. In addition, the bill must state the monthly payment you would need to make to pay off your balance in three years and compare the total interest between the payment plans.

5. You can use your credit card without ever paying interest, as long as you pay off your credit card balance in full every month. This can result in an interest-free loan for up to 50 days. For example, say your billing cycle ends on the 1st of each month and your bill is due on the 22nd of each month. If you make a purchase of $ 2,000 on March 2 and pay off in full the bill from the previous month that is due on March 22, you will not have to pay the $ 2,000 until April 22, and you will not owe a penny of interest on it. You only have to pay interest when you start carrying a balance from month to month.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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CardRatings.com Founder Curtis Arnold Weighs in on New Restrictions to Free Credit Report Offers

Little Rock, AR (PRWEB) April 12, 2010

Curtis Arnold, founder of consumer education site CardRatings.com, weighed in on the implications of new Federal Trade Commission (FTC) rules governing free credit report offers, which took effect April 2.

The FTC imposed rules on companies that offer services using free credit reports as an incentive to attract customers. The new regulations require that free credit report offers clearly differentiate themselves from the AnnualCreditReport.com Web site, through which individuals are entitled to free credit report information annually. The regulations also restrict advertising and paid offers on AnnualCreditReport.com.

Arnold, a nationally recognized consumer educator and advocate, says the new laws are a boon to consumers. “I think this is a positive step for consumers. As the editor of CardRatings.com, I have always strived to promote awareness of one’s own credit reports and credit scores. It’s unfortunate that some companies have taken advantage of people’s desire to manage their credit reports as a way to sneak in unwanted services. The end result has been major confusion among consumers.”

Since 2003, Americans have had the right to a free annual credit report at AnnualCreditReport.com with no strings attached. Other sites have since proliferated, claiming to offer credit reports for free. In actuality, these sites–which frequently ask for consumers’ private information and credit card numbers–often tack on trial offers for credit monitoring services or even unrelated items such as magazine subscriptions that are billed later. These extras are not always prominently disclosed, and consumers are further misled by advertising that reinforces the claim that these credit reports are free.

Offering something for free in order to get you to try and perhaps buy a service is a legitimate marketing technique, and reputable firms make cancellation and/or refunds easy to get. Yet many who sign up for free credit report offers–only to be billed for services they did not want–report poor experiences or even scams.

Because the operative word here is “free,” those who charge for credit reports are not subject to the new regulations. Arnold explains how some companies are taking advantage of this: “Be mindful that some companies, including respected credit bureaus, have already developed clever ways to avoid the FTC’s regulations. For example, the popular site FreeCreditReport.com that is owned by Experian (the one with the catchy little TV commercial jingles and three hapless guys) is now charging customers $ 1 and then donating the $ 1 to charity.

“Pretty creative way to dodge the law and tout your charitable efforts, don’t you think?”

A new article on CardRatings.com explains common tactics of companies offering free credit report services, as well as the ways in which the FTC rules should curtail practices that mislead consumers. In particular, the FTC now requires that:

    Sites advertising free credit reports prominently disclose to consumers that they are entitled to an annual credit report through AnnualCreditReport.com or through a designated toll-free number;
    These sites offer clickable links to the Federal Trade Commission and AnnualCreditReport.com Web sites;
    The three major credit bureaus participating in the AnnualCreditReport.com Web site delay advertising or paid upgrade offers until after a consumer has completed his or her request for credit reports; and
    Television and radio advertising for free credit reporting services as of September 1 include disclosures about related trial offers and refer potential consumers to the AnnualCreditReport.com Web site and toll-free number.

CardRatings.com has been educating consumers about credit cards since 1998 and has been featured by hundreds of media outlets, including The Wall Street Journal, Good Morning America, The New York Times, and The Today Show. Thanks to consumers, CardRatings.com has become the most comprehensive free source for comparing credit card offers and has helped over a million people find the best credit cards for their individual needs.

Curtis Arnold is available for interviews on this topic and others relating to the changing trends in the credit card industry.

To interview Curtis, please contact:

Jessica Austin

650.578.6880

jessica(at)cardratings(dot)com

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.