| REVEAL GUARDED SECRETS OF AMERICAN CREDIT SYSTEM. WELCOME TO ANTONY'S CREDIT REPAIR CLINIC AND HELP YOURSELF WITH THE CLINIC'S INSTRUCTIONS, GUIDANCE AND YOUR CREDIT SICKNESS SHOULD BE CURED WITHOUT HAVING A SO CALLED CREDIT DOCTOR TO INTERROGATE YOU AND RIP YOU OFF. THIS CLINIC IS A SELF SERVICE CENTER. ----------------------------------- I LOVE TO REVEAL THE SECRETS OF THE CREDIT SYSTEM SO PEOPLE LIKE YOU AND I CAN GAIN A FAIR ADVANTAGE IN THE FINANCIAL WORLD. IT IS VERY REWARDING MORE IMPORTANTLY, I CHERISH THE LETTERS I RECEIVED FROM ORDINARY PEOPLE WHO HAVE BEEN ABLE TO TURN THEIR LIVES AROUND BY GETTING APPROVED FOR CREDIT CARDS, MORTGAGE LOANS, AND BUSINESS LOANS THEY NEVER THOUGHT THEY COULD. ----------------------------- LETS FACE IT. MOST OF US HAVE SOME CREDIT IMPERFECTNESS IN THE PAST, BUT DON'T LET IT GET YOU DOWN, YOU HAVE WHAT IT TAKES TO LEARN EVERY SECRET I WILL SHARE WITH YOU. ----------------------------------------- MOST COMMON CREDIT TYPES: THE THREE MOST COMMON CREDIT TYPES ARE: OPEN CREDIT--- LIKE LIGHT BILL, PHONE BILL, LEASE AGREEMENT. THIS BASICALLY PAY IN FULL MOST LIKELY MONTHLY. ------------------------------------------------- --- INSTALLMENT CREDIT---- LIKE MORTGAGE LOANS, PERSONAL LOANS, STUDENT LOANS. USUALLY THIS KIND ARE LONG TERM CREDIT. ----------------------------------------------------- - REVOLVING CREDIT LIKE CREDIT CARDS, CREDIT LINES. THIS TYPE CAN BE TAKEN BY CORPORATION AND INDIVIDUALS WITH AN AGREEMENT THAT GUARANTEES A MAXIMUM AMOUNT THAT CAN BE LENT ALONG WITH THE COMMITMENT FEE AND INTEREST. -------------------------------------------------- EPS IN CREDIT SITUATION: By law every US citizen has the right to obtain a free credit report once a year or if you have been denied credit, you have the right to order a copy of your reports at no cost to you. Based on the information you find there, you will need to decide how to best approach to raising your scores as high as possible, fixing mistakes, correcting errors, removing inaccurate information or even doing certain other actions. Without the report you won't know what to do. ----------------------------------- KNOWLEDGEFINANCIAL.COM STEPS, when you late on credit cards, call the creditors to negotiate payments. Bad reports left on your accounts for more than 7 years can be and should be removed. ALL THE CREDIT REPORTING AGENCIES. ------------------------------------- STUDENT'S LOANS As long as you're going to school as a full time student; you should not have bad report on your accounts for student's loans. If this is the case call to dispute and send a copy of your current schedule to the creditors. ---------------------------------- REMOVED & BACK IN REPORTS When removing in dispute a bad report from your accounts; this can be back again in your reports, if you reapply again immediately for credit with the same creditor. The credit company can merge your old account with the new account.- ------------------------------------- NEGOTIATING WITH CREDITORS AND COLLECTION AGENCIES. BY LAW CREDITORS MUST BE ABLE TO PROVE THE ACCURACY OF WHAT YOU ARE DISPUTING WITHIN 30 DAYS. IF THEY DON'T, IT SIMPLY IS REMOVED FROM YOUR REPORTS. ------------------------------- IF YOU HAVE EVIDENCE THAT SOMETHING IS WRONG, THEN SUBMIT THE EVIDENCE WITH THE DISPUTE FORM AND THEY WILL HAVE TO REMOVE THE INACCURATE DATA WITHIN 30 DAYS OR PROVE THAT IT'S ACCURATE. ------------------------------- IF YOU HAVE ANY ACCOUNTS IN COLLECTION OR THAT ARE VERY PAST DUE ON YOUR CREDIT REPORT, IF THE COLLECTION AGENCY ALREADY HAD THE DEBT, THEN DEAL WITH THEM AND DO NOT BOTHER CALLING THE ORIGINAL CREDITOR. --------------------------------- INCREASE YOUR CREDIT SCORE IF YOU HAVE A PARTNER/SPOUSE, RELATIVE, OR FRIEND WITH GREAT CREDIT HISTORY, HAVE THEM ADD YOU TO THEIR CREDIT CARD. THIS WORKS FINE, VERY WELL SINCE YOU WILL GET CREDIT FROM THEIR BILL PAYMENTS, AND THIS WILL CREATE MORE POSITIVE CREDIT HISTORY FOR YOU. KNOWLEDGEFINANCIAL.COMm |
CREDIT MONITORING SERVICES
--------
KNOWLEDGEFINANCIAL.COM
Costly credit-monitoring services
offer limited fraud protection
You can guard against identity theft
better by taking other steps
Over the last three years, some 49
million Americans were told that their
personal information was lost, stolen, or
improperly disclosed by government agencies, banks, or various other companies,
according to a recent survey by Harris Interactive. Although most respondents said that
nothing happened as a consequence, 19 percent reported that the breaches led to
unauthorized credit-card charges, bank-account losses, or other forms of identity fraud.
The solution, say the nation's three major
credit bureaus, is credit monitoring. For $60 to $180
a year, Equifax, Experian, and TransUnion claim they'll protect you from identity theft by
regularly watching for changes in your credit report. About 24 million customers have
signed up, according to Javelin Strategy and Research, a California-based company.
Unfortunately, our analysis shows that as currently designed, such services are often
overrated, oversold, and overpriced.
Credit monitoring is sold by stoking
consumers' fear of fraud. The hardest push is reserved for
those who have already been victims of data-security breaches. Prior victims are more
likely to buy monitoring services than nonvictims, making them prime marketing targets,
says Mary Monahan, a partner at Javelin.
Equifax says that "monitoring your credit reports for changes is one of the best ways to
protect yourself from identity theft." But that's not the whole story. Fact is, credit-report
monitoring watches only one window through which an ID thief may escape with your
good name.
A newer type of service, ID fraud
prevention and detection, keeps an eye on other windows by
trawling Internet chat rooms and directories and by sifting through online public records
for signs of Social Security number fraud, stolen credit-card account trafficking, and other
types of ID theft. Some of these services also come with limited credit-report monitoring.
These ID fraud prevention and detection services are too new for us to properly assess
now, but a recent report by the Gartner Group, a Connecticut-based consulting firm,
predicts that they may "overtake credit-report monitoring as an effective identity-theft tool
by year-end 2009." That's further indication of the limited nature of credit monitoring.
Neither the Federal Trade Commission nor
consumer groups including Consumers
Union, the Identity Theft Resource Center, and the Privacy Rights Clearing House
recommend or endorse credit-monitoring services. If you're tempted to sign up, however,
you should know that credit-bureau monitoring services have the following limitations.
There's no protection against theft of your
Social Security number. You may think that every person's credit
information is solidly anchored to a universal identifier--a Social Security number
(SSN)--so that credit-file data about the Visa cards of Mary Smith living in Peoria, Ill., won't
get mixed up with those of all the other Mary Smiths around the country. You might also
assume that Peoria's Smith can keep tabs on who's using her SSN by checking her credit
report.
, "I can apply for a credit card tomorrow using
my name and your Social Security number,
and you won't learn about the new account
from your credit report." That's because credit data with your SSN
on it may not be automatically routed to your credit-bureau file in a timely way. For that
reason, a credit-monitoring service won't pick up on and alert you to a fraudulent account
like the one Millett describes.
Steven's SSN to obtain credit and employment since at least 1989.
Steven's SSN to obtain credit and employment since at least 1989.
WWW.KNOWLEDGEFINANCIAL.COM
Other people can use your SSN to obtain
credit because of a credit-bureau practice of
creating "temporary fragmented files" when creditors file account information with your
SSN but with a different name, address, and date of birth, according to a 2004 Federal
Trade Commission report. Bureaus hope to later link the odd data in the separate file with
the correct credit file using "matching algorithms" and other information. For example, a
mismatch might occur when a woman changes her name because of marriage, which
would become obvious by further name updates.
That doesn't explain why the bureaus
didn't flag the fraudulent use of Millett's SSN. As it turns out, if enough new data
come in with an SSN that matches the thief's name and address, the credit bureaus
effectively give the new identity their blessing and proceed to sell the fraudulent
information to prospective creditors.
As long as the credit bureaus keep your credit file separate from that of the ID thief, your
credit report and monitoring service will never pick up the new accounts. But
credit-bureau computers constantly work to match the two files, and when they do, you get
penalized for the thief's history. Files can also become mixed when a collection agency
comes after you for the bad guy's bad accounts.
Credit bureaus' monitoring services do not
alert consumers to others who may be using their SSNs. "Experian has
no way to establish ownership of a Social Security number, as the Social Security
Administration will not provide that type of validation," says Donald Gerard, an Experian
spokesman. "Therefore, we would be unable to determine fraudulent use of one's Social
Security number."
Although they may not know the rightful owner of a particular SSN, Experian and
TransUnion do sell lists of names that use the same numbers to collection agencies and
other businesses in their "Social Search" and "TRACE" products.
The Milletts, meanwhile, have spent more than $12,000 in legal fees plus countless hours
trying to correct their credit record. They can't get credit, have been shut out of low- and
zero-rate financing opportunities, and have been paying $400 more a year for homeowners
insurance because of their damaged credit.
And when creditors began relabeling the ID thief's
fraudulent accounts in Steven's name and address, "none of the
credit-monitoring products we bought caught it," says Melody. "I've had Credit Manager
from Experian, True Credit from TransUnion, and Credit Watch from Equifax." She adds that
there was never any notification that Steven might be a victim of identity theft. All three
credit bureaus declined to comment on the case.
A spokesman for PrivacyGuard, a
credit-monitoring service offered by the Affinion Group,
based in Connecticut, told us that the service monitors fragmented files and use of your
SSN by others. But we couldn't find any such claim in PrivacyGuard's Web marketing
material, press releases, or terms and conditions document. The Affinion Group does,
however, claim to provide such tracking with its new fraud prevention and detection
service, ID Secure.
Gaps in monitoring and notification
leave you exposed. Even if you ignore that first glaring flaw, for
a credit-monitoring service to truly protect you, it needs to cover as many information
sources as possible. But when we assessed 16 credit-monitoring services, we found 8
that monitor the credit reports at only one of the three major credit bureaus. That is
incomplete coverage because creditors do not always report to all three credit bureaus.
Another big hole in the safety net
involves the kind of credit-report activity that
prompts an alert and how quickly the notice goes out. Some products don't alert you to
sudden activity in dormant accounts, unexpected increases in balance levels, changes in
existing accounts, or the appearance of a negative public record. And while most do offer
alerts about such changes daily or within a day of changes, Equifax's budget Credit Watch
Silver takes as long as a week to report a change.
Another serious concern: Built-in delays and
deficiencies in how credit information is reported means that it may take a creditor 60
days or more to report a new fraudulent account.
ID theft insurance might prove worthless. Most of the credit-monitoring products that we
examined also provide what might seem like a comforting offer: identity-theft insurance
that reimburses you for lost wages for time taken off work to deal with fraud; notary and
certified-mail costs; long-distance calls to report or deal with a fraud; and even legal fees
(with prior approval of the insurer) for defense in collections, removal of erroneous civil
judgments, and challenging information on your credit report.
But scrutinize the terms of coverage for
loopholes. For example, some insurers exclude coverage for losses that
occurred prior to your purchase of the product. It can take months or years for ID theft to
be discovered. So if a thief opened a fraudulent account in your name two years ago, you
bought monitoring one year ago, and you don't discover the crime until next year when a
collection agency hunts you down, your insurance protection and payout might be zero
with some policies
--------
KNOWLEDGEFINANCIAL.COM
Costly credit-monitoring services
offer limited fraud protection
You can guard against identity theft
better by taking other steps
Over the last three years, some 49
million Americans were told that their
personal information was lost, stolen, or
improperly disclosed by government agencies, banks, or various other companies,
according to a recent survey by Harris Interactive. Although most respondents said that
nothing happened as a consequence, 19 percent reported that the breaches led to
unauthorized credit-card charges, bank-account losses, or other forms of identity fraud.
The solution, say the nation's three major
credit bureaus, is credit monitoring. For $60 to $180
a year, Equifax, Experian, and TransUnion claim they'll protect you from identity theft by
regularly watching for changes in your credit report. About 24 million customers have
signed up, according to Javelin Strategy and Research, a California-based company.
Unfortunately, our analysis shows that as currently designed, such services are often
overrated, oversold, and overpriced.
Credit monitoring is sold by stoking
consumers' fear of fraud. The hardest push is reserved for
those who have already been victims of data-security breaches. Prior victims are more
likely to buy monitoring services than nonvictims, making them prime marketing targets,
says Mary Monahan, a partner at Javelin.
Equifax says that "monitoring your credit reports for changes is one of the best ways to
protect yourself from identity theft." But that's not the whole story. Fact is, credit-report
monitoring watches only one window through which an ID thief may escape with your
good name.
A newer type of service, ID fraud
prevention and detection, keeps an eye on other windows by
trawling Internet chat rooms and directories and by sifting through online public records
for signs of Social Security number fraud, stolen credit-card account trafficking, and other
types of ID theft. Some of these services also come with limited credit-report monitoring.
These ID fraud prevention and detection services are too new for us to properly assess
now, but a recent report by the Gartner Group, a Connecticut-based consulting firm,
predicts that they may "overtake credit-report monitoring as an effective identity-theft tool
by year-end 2009." That's further indication of the limited nature of credit monitoring.
Neither the Federal Trade Commission nor
consumer groups including Consumers
Union, the Identity Theft Resource Center, and the Privacy Rights Clearing House
recommend or endorse credit-monitoring services. If you're tempted to sign up, however,
you should know that credit-bureau monitoring services have the following limitations.
There's no protection against theft of your
Social Security number. You may think that every person's credit
information is solidly anchored to a universal identifier--a Social Security number
(SSN)--so that credit-file data about the Visa cards of Mary Smith living in Peoria, Ill., won't
get mixed up with those of all the other Mary Smiths around the country. You might also
assume that Peoria's Smith can keep tabs on who's using her SSN by checking her credit
report.
, "I can apply for a credit card tomorrow using
my name and your Social Security number,
and you won't learn about the new account
from your credit report." That's because credit data with your SSN
on it may not be automatically routed to your credit-bureau file in a timely way. For that
reason, a credit-monitoring service won't pick up on and alert you to a fraudulent account
like the one Millett describes.
Steven's SSN to obtain credit and employment since at least 1989.
Steven's SSN to obtain credit and employment since at least 1989.
WWW.KNOWLEDGEFINANCIAL.COM
Other people can use your SSN to obtain
credit because of a credit-bureau practice of
creating "temporary fragmented files" when creditors file account information with your
SSN but with a different name, address, and date of birth, according to a 2004 Federal
Trade Commission report. Bureaus hope to later link the odd data in the separate file with
the correct credit file using "matching algorithms" and other information. For example, a
mismatch might occur when a woman changes her name because of marriage, which
would become obvious by further name updates.
That doesn't explain why the bureaus
didn't flag the fraudulent use of Millett's SSN. As it turns out, if enough new data
come in with an SSN that matches the thief's name and address, the credit bureaus
effectively give the new identity their blessing and proceed to sell the fraudulent
information to prospective creditors.
As long as the credit bureaus keep your credit file separate from that of the ID thief, your
credit report and monitoring service will never pick up the new accounts. But
credit-bureau computers constantly work to match the two files, and when they do, you get
penalized for the thief's history. Files can also become mixed when a collection agency
comes after you for the bad guy's bad accounts.
Credit bureaus' monitoring services do not
alert consumers to others who may be using their SSNs. "Experian has
no way to establish ownership of a Social Security number, as the Social Security
Administration will not provide that type of validation," says Donald Gerard, an Experian
spokesman. "Therefore, we would be unable to determine fraudulent use of one's Social
Security number."
Although they may not know the rightful owner of a particular SSN, Experian and
TransUnion do sell lists of names that use the same numbers to collection agencies and
other businesses in their "Social Search" and "TRACE" products.
The Milletts, meanwhile, have spent more than $12,000 in legal fees plus countless hours
trying to correct their credit record. They can't get credit, have been shut out of low- and
zero-rate financing opportunities, and have been paying $400 more a year for homeowners
insurance because of their damaged credit.
And when creditors began relabeling the ID thief's
fraudulent accounts in Steven's name and address, "none of the
credit-monitoring products we bought caught it," says Melody. "I've had Credit Manager
from Experian, True Credit from TransUnion, and Credit Watch from Equifax." She adds that
there was never any notification that Steven might be a victim of identity theft. All three
credit bureaus declined to comment on the case.
A spokesman for PrivacyGuard, a
credit-monitoring service offered by the Affinion Group,
based in Connecticut, told us that the service monitors fragmented files and use of your
SSN by others. But we couldn't find any such claim in PrivacyGuard's Web marketing
material, press releases, or terms and conditions document. The Affinion Group does,
however, claim to provide such tracking with its new fraud prevention and detection
service, ID Secure.
Gaps in monitoring and notification
leave you exposed. Even if you ignore that first glaring flaw, for
a credit-monitoring service to truly protect you, it needs to cover as many information
sources as possible. But when we assessed 16 credit-monitoring services, we found 8
that monitor the credit reports at only one of the three major credit bureaus. That is
incomplete coverage because creditors do not always report to all three credit bureaus.
Another big hole in the safety net
involves the kind of credit-report activity that
prompts an alert and how quickly the notice goes out. Some products don't alert you to
sudden activity in dormant accounts, unexpected increases in balance levels, changes in
existing accounts, or the appearance of a negative public record. And while most do offer
alerts about such changes daily or within a day of changes, Equifax's budget Credit Watch
Silver takes as long as a week to report a change.
Another serious concern: Built-in delays and
deficiencies in how credit information is reported means that it may take a creditor 60
days or more to report a new fraudulent account.
ID theft insurance might prove worthless. Most of the credit-monitoring products that we
examined also provide what might seem like a comforting offer: identity-theft insurance
that reimburses you for lost wages for time taken off work to deal with fraud; notary and
certified-mail costs; long-distance calls to report or deal with a fraud; and even legal fees
(with prior approval of the insurer) for defense in collections, removal of erroneous civil
judgments, and challenging information on your credit report.
But scrutinize the terms of coverage for
loopholes. For example, some insurers exclude coverage for losses that
occurred prior to your purchase of the product. It can take months or years for ID theft to
be discovered. So if a thief opened a fraudulent account in your name two years ago, you
bought monitoring one year ago, and you don't discover the crime until next year when a
collection agency hunts you down, your insurance protection and payout might be zero
with some policies
| WWW.KNOWLEDGEFINANCIAL.COM |
CREDIT: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE HAVE VALUABLE INFORMATION TO HELP YOU. CHECK US OUT!
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WWW.KNOWLEDGEFINANCIAL.COM
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| SAVE YOUR CREDIT, RESCUE IT, REPAIR IT, PROTECT IT. We have valuable information to help you! CREDIT Your credit has to do with everything in life today. You get judged by your credit standing. Your character, personality, your attitude, your sense of responsibility all that get measured by your credit. CREDIT REPORT Before you apply for a mortgage loan, if you think you may have credit problems, be prepared to discuss them honestly with a mortgage professional who will assist you. Knowledgeable mortgage professionals know there can be legitimate reasons for credit problems. By now most people have heard of credit scoring, the most common score in AMERICA and also the most common terminology is call FICO SCORE, this score was developed by FAIR, ISAAC & COMPANY for the three main credit bureaus. EQUIFAX PO BOX 740241 ATLANTA, GA 30374-0241 [PHONE] 800-685-1111 ------------------------------------- EXPERIAN [TRW] PO BOX 949 ALLEN, TX 75013-0949 [PHONE] 800-EXPERIAN ------------------------------------------ KNOWLEDGEFINANCIAL.COM TRANSUNION PO BOX 390 SPRINGFIELD, PA 19064-0390 [PHONE] 800-888-4213 --------------------------------------------------- Your credit history, projecting the likelihood of meeting future payments and indicating your level of credit risk. Higher scores indicate better credit risk. These scores not only may qualify you for a mortgage, but possible better interest rates. = More saving for you. --------------------------------------------------------- CREDIT SCORE is evaluating by : PAYMENTS HISTORY.... HAVE YOU PAID YOUR BILLS ON TIME? CREDIT CARDS AND LOANS BALANCE....WHAT BALANCE DO YOU STILL OWE, HOW BIT IT IS? CREDIT HISTORY.... WHAT CREDIT HAVE YOU MAINTAINED AND FOR HOW LONG? CREDIT TYPES.... WHAT TYPE OF CREDIT HAVE YOU OBTAINED? ------------------------------------------------------------- KNOWLEDGE FINANCIAL GROUP IS THERE TO HELP WITH GREATEST SUGGESTION. DON'T REQUEST A SERIES OF CREDIT CHECKS IN A SHORT PERIOD OF TIME. DON'T TAKE ON MORE CREDIT THAN YOU CAN CONSISTENTLY MANAGE. DON'T MAX OUT " YOUR CREDIT CARDS". DON'T SPEND BEYOND YOUR ABILITY TO PAY. DON'T LEAVE ERRORS IN YOUR CREDIT REPORT UNDISPUTED; ALWAYS REQUEST CORRECTIONS. ELIMINATE DEBTS, DO NOT REARRANGE THEM. CHECK YOUR CREDIT REPORT AT LEAST ONCE A YEAR. -----------------------------------------------------------If you suspect that your personal information has been used wrongfully, immediately: review your credit reports, place a fraud alert on your accounts, close any accounts opened or used fraudulently, file a report with the police, file a complaint with the FEDERAL TRADE COMMISSION, AND DO NOT FORGET TO CONTACT ALL THREE CREDIT REPORTING AGENCIES. -------------W.KNOWLEDGEFINANCIAL.COMm |
COMMERCIAL INVESTMENT. ALL THAT CAN HELP! COMMERCIAL REAL ESTATE; A BETTER
WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL ESTATE?
FINANCIAL REPORT: HOW TO GET A MORTGAGE HOME LOAN? Securing a home loan is
the most important step in the home-buying process. Here are the basics for getting your
financing.
HOW TO GET PRE-QUALIFY FOR A HOME LOAN? 8 Fundamental Reasons to Get Pre-
Approved for a Home Loan!
The first and most important step in buying a home is getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU IMMEDIATELY FIND YOURSELF IN A STRONGER
NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING, GET THE TOOLS YOU NEED TO
PREVENT IT RIGHT HERE! AT KNOWLEDGE FINANCIAL.COM
CREDIT HELP: Use Your Credit Clout: Credit Laws That are on Your Side; Understanding
Your Debt Collection Rights
CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP YOU
CREDIT CARDS: The American Credit Cards are very important to have; but credit cards
represent a danger for those who may not have the discipline, order or those who don't
think what a plastic card can do for them or to them! The borrowers are the slaves of the
lenders. Credit cards issuers are monsters the can eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF YOUR CREDIT RATING! Credit Card Fraud: 21 Tips to
Protect Yourself. More about your credit Score. Companies base your credit scores on five
categories
ID-THEFT: HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT? -----
DETER, DETECT AND DEFEND?
Credit & Loans: Credit Cards & Consumer Loans ...
WHAT DO YOU KNOW ABOUT IDENTITY THEFT?
Consumer Reports' advice on steps you can take to protect your identity and what to do if
you believe it's already been compromised
Government's general information; Local, State, and Federal.
TAX SAVING TIPS FOR INDIVIDUAL INVESTOR, GREAT INFORMATION FOR ALL. Taxes The
More You Know, the Less You’ll Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A breakdown of what
you need to know, in layman's terms.
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE
RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR PROFITS.
THESE INDUSTRIES HAS THOUSANDS OF COMPANIES TO BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A WONDERFUL WAY TO INVEST YOUR MONEY.
Buying and Selling mutual funds
You can buy some mutual funds (no-load) by contacting the fund companies directly. Other
funds are sold through brokers, banks, financial planners, or insurance agents.
BOND FUNDS: INVESTING IN THE BONDS MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of course you have! Whether we hit our parents up for a
few bucks to buy candy as children or asked the bank for a mortgage, most of us have
borrowed money at some point in our lives.
FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO INVEST AND GET
RICHER IF YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short) is one of the most exciting, fast-paced markets
around. Until recently, trading in the forex market had been the domain of large financial
institutions, corporations, central banks, hedge funds and extremely wealthy individuals.
The emergence of the internet has changed all of this, and now it is possible for average
investors to buy and sell currencies easily with the click of a mouse.
TAX CERTIFICATES: TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to 240% Per Year On Your
Investments? Yes you can... By investing in Government Issued
what are you doing with your money in the wake of the
financial crisis?
Where is the safe place to put MONEY?
WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL ESTATE?
FINANCIAL REPORT: HOW TO GET A MORTGAGE HOME LOAN? Securing a home loan is
the most important step in the home-buying process. Here are the basics for getting your
financing.
HOW TO GET PRE-QUALIFY FOR A HOME LOAN? 8 Fundamental Reasons to Get Pre-
Approved for a Home Loan!
The first and most important step in buying a home is getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU IMMEDIATELY FIND YOURSELF IN A STRONGER
NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING, GET THE TOOLS YOU NEED TO
PREVENT IT RIGHT HERE! AT KNOWLEDGE FINANCIAL.COM
CREDIT HELP: Use Your Credit Clout: Credit Laws That are on Your Side; Understanding
Your Debt Collection Rights
CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP YOU
CREDIT CARDS: The American Credit Cards are very important to have; but credit cards
represent a danger for those who may not have the discipline, order or those who don't
think what a plastic card can do for them or to them! The borrowers are the slaves of the
lenders. Credit cards issuers are monsters the can eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF YOUR CREDIT RATING! Credit Card Fraud: 21 Tips to
Protect Yourself. More about your credit Score. Companies base your credit scores on five
categories
ID-THEFT: HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT? -----
DETER, DETECT AND DEFEND?
Credit & Loans: Credit Cards & Consumer Loans ...
WHAT DO YOU KNOW ABOUT IDENTITY THEFT?
Consumer Reports' advice on steps you can take to protect your identity and what to do if
you believe it's already been compromised
Government's general information; Local, State, and Federal.
TAX SAVING TIPS FOR INDIVIDUAL INVESTOR, GREAT INFORMATION FOR ALL. Taxes The
More You Know, the Less You’ll Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A breakdown of what
you need to know, in layman's terms.
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE
RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR PROFITS.
THESE INDUSTRIES HAS THOUSANDS OF COMPANIES TO BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A WONDERFUL WAY TO INVEST YOUR MONEY.
Buying and Selling mutual funds
You can buy some mutual funds (no-load) by contacting the fund companies directly. Other
funds are sold through brokers, banks, financial planners, or insurance agents.
BOND FUNDS: INVESTING IN THE BONDS MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of course you have! Whether we hit our parents up for a
few bucks to buy candy as children or asked the bank for a mortgage, most of us have
borrowed money at some point in our lives.
FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO INVEST AND GET
RICHER IF YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short) is one of the most exciting, fast-paced markets
around. Until recently, trading in the forex market had been the domain of large financial
institutions, corporations, central banks, hedge funds and extremely wealthy individuals.
The emergence of the internet has changed all of this, and now it is possible for average
investors to buy and sell currencies easily with the click of a mouse.
TAX CERTIFICATES: TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to 240% Per Year On Your
Investments? Yes you can... By investing in Government Issued
what are you doing with your money in the wake of the
financial crisis?
Where is the safe place to put MONEY?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A
RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is
the most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and
Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm
Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND
MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS
YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every
investors should know about...
...REAL ESTATE MARKET: TODAY'S GREAT
DEALS FOR FIRST-TIME HOME-BUYERS & FOR
EVERYONE
AS NEVER SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE TREMENDOUS
AMOUNT OF WEALTH...
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A
RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is
the most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and
Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm
Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND
MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS
YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every
investors should know about...
...REAL ESTATE MARKET: TODAY'S GREAT
DEALS FOR FIRST-TIME HOME-BUYERS & FOR
EVERYONE
AS NEVER SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE TREMENDOUS
AMOUNT OF WEALTH...
| ''Consumer Credit Information: How To Fix, Repair, Restore Your Credit Yourself And Increase Your Credit Score. Credit Repair: How to Help Yourself -------------------- You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims: “Credit problems? No problem!” “We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!” “We can erase your bad credit — 100% guaranteed.” “Create a new credit identity — legally.” Do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the Federal Trade Commission, the nation’s consumer protection agency, say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan. |
''
Your Rights
No one can legally remove accurate and timely negative information from a credit report. You can ask for an
investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete.
Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can
do for yourself at little or no cost. By law:
You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your
application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving
notice of the action.
The notice includes the name, address, and phone number of the consumer reporting company. You’re also
entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on
welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to
provide you with a free copy of your credit report once every 12 months, if you ask for it.
To order a free a credit report, visit: www.financialacademyschool.com You may order
reports from each of the three credit reporting companies at the same time, or you can stagger your requests
throughout the year.
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting
company and the information provider (the person, company, or organization that provides information about
you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your
report. To take advantage of all your rights, contact both the credit reporting company and the information
provider.
Your Rights
No one can legally remove accurate and timely negative information from a credit report. You can ask for an
investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete.
Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can
do for yourself at little or no cost. By law:
You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your
application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving
notice of the action.
The notice includes the name, address, and phone number of the consumer reporting company. You’re also
entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on
welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to
provide you with a free copy of your credit report once every 12 months, if you ask for it.
To order a free a credit report, visit: www.financialacademyschool.com You may order
reports from each of the three credit reporting companies at the same time, or you can stagger your requests
throughout the year.
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting
company and the information provider (the person, company, or organization that provides information about
you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your
report. To take advantage of all your rights, contact both the credit reporting company and the information
provider.
| ''DIY Step 1: Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample letter to help write your own. Include copies (NOT originals) of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures. Credit reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file. ------------- When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it’s accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes. If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to give your statement to anyone who got a copy of your report in the recent past. You’ll probably have to pay for this service. Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again. |
| ''Reporting Accurate Negative Information When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. |
| '' Report Credit Repair Fraud State Attorneys General Many states also have laws regulating credit repair companies. If you have a problem with a credit repair company, report it to your local consumer affairs office or to your state attorney general (AG). Federal Trade Commission You also can file a complaint with the Federal Trade Commission. Although the FTC can't resolve individual credit disputes, it can take action against a company if there's a pattern of possible law violations. File your complaint online at ftc.gov/complaint or call 1-877-FTC-HELP. Where to Get Legitimate Help Just because you have a poor credit history doesn’t mean you can’t get credit. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards. ----------------- If you’re not disciplined enough to create a budget and stick to it, to work out a repayment plan with your creditors, or to keep track of your mounting bills, you might consider contacting a credit counseling organization. Many are nonprofit and work with you to solve your financial problems. But remember that “nonprofit” status doesn’t guarantee free, affordable, or even legitimate services |
''INSURANCE INFO: Ways to
Reduce Your Life Insurance
Premium; Learn the
importance and benefits of life
insurance in real life.
'Life Insurance FREE QUOTE,
FAST & EASY''''Find Out How
Much You Can Save On Life
Insurance-
'REQUEST A FREE QUOTE
TODAY'' Find Out If You're
Paying Too Much For Life
Insurance.
''AFFORDABLE LIFE
INSURANCE: BEST PRICES,
BEST PLAN, WITH THE BEST
COMPANY.
''LIFE INSURANCE: Ways to
Reduce Your Life Insurance
Premium;,
c
''Insurance General
Knowledge : THE IMPORTANCE
OF INSURANCE IN SOMEONE'S
LIFE.
''PFS Financial Services- And
Life Insurance Company. What
We Do, How we do it?
''Term Life Insurance
Advantages, Features And
Benefits While Alive And After
Death.
'' INSURANCE 101: EVERYTHING
YOU NEED TO KNOW ABOUT
INSURANCE; NOW IS YOUR
CHANCE TO KNOW HOW TO SAVE
MONEY ON YOUR INSURANCE! :
''The 10 Best Ways to Lower
Your Car Insurance Bill! Ways
to Save money .
''..HOW TO OBTAIN AN
INSURANCE LICENSE, And Get
Hire, Start Working
Immediately With One Of The
Greatest Insurance Company
In The W0rld?
Reduce Your Life Insurance
Premium; Learn the
importance and benefits of life
insurance in real life.
'Life Insurance FREE QUOTE,
FAST & EASY''''Find Out How
Much You Can Save On Life
Insurance-
'REQUEST A FREE QUOTE
TODAY'' Find Out If You're
Paying Too Much For Life
Insurance.
''AFFORDABLE LIFE
INSURANCE: BEST PRICES,
BEST PLAN, WITH THE BEST
COMPANY.
''LIFE INSURANCE: Ways to
Reduce Your Life Insurance
Premium;,
c
''Insurance General
Knowledge : THE IMPORTANCE
OF INSURANCE IN SOMEONE'S
LIFE.
''PFS Financial Services- And
Life Insurance Company. What
We Do, How we do it?
''Term Life Insurance
Advantages, Features And
Benefits While Alive And After
Death.
'' INSURANCE 101: EVERYTHING
YOU NEED TO KNOW ABOUT
INSURANCE; NOW IS YOUR
CHANCE TO KNOW HOW TO SAVE
MONEY ON YOUR INSURANCE! :
''The 10 Best Ways to Lower
Your Car Insurance Bill! Ways
to Save money .
''..HOW TO OBTAIN AN
INSURANCE LICENSE, And Get
Hire, Start Working
Immediately With One Of The
Greatest Insurance Company
In The W0rld?
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