Archive for November, 2009


24 November

Has anyone heard of ‘Credit Services Financial’?


This company is supposed to be able to get you insanely low interest rates on credit card accounts. They contact your creditors on your behalf and guarantee a VERY low rate (lower than you could get yourself by just calling and asking for a lower rate). Are they for real??? They do charge a hefty fee, but say it is fully refundable if they aren’t able to save you a whopping amount of money. THANKS!

Did you contact them or did they "find"you?

Tell them to take the fees out of the loan proceedes….

I’d pass; or at least check the BBB and a call to the state’s atty general; these things are always a scam. taking your deposit and then disapearing.

24 November

How bad does your credit have to be to not be hired by a financial services company?

I’m applying for a position with a financial services company, and my credit score is in the low to mid 600’s. My payment history has been quite good over the last year and a half.

As a future hire in a Financial Service position, your credit is a huge factor in your hiring process. You will be qualified on your credibility, which is understandable. They must know that you are a good custodian of credit yourself before they would allow you to consult with future clientèle.

Now with that being said, you need to continue making the proper financial moves pressing forward for credibility servicing but that won’t fix the derogatory items you currently have for some time.

You have absolutely one option here before you engage the financial services firm for employment. That is credit repair. Go to http://ineedagoodcreditscore.com/ and call these guys immediately! You will be represented by a team of attorneys that are extreme pit bulls in enforcing credit consumer laws. They will make a impact on your credit report within the first 30-45 days that will allow you to walk into your future work place with your chin up and chest out.

There is no other company out there that can assist you the way that they will.

Good Luck,

The Credit Wolf

21 November

Creating a Service Culture in Your Club – DVD


Creating a Service Culture in Your Club - DVD

Creating a Service Culture in Your Club – DVD Creating a Service Culture in Your Club explains how health/fitness clubs can exceed member expectations in their facilities. The DVD reviews a series of unique services and programs that clubs can offer to keep their members coming back and details how clubs can recruit, train, and retain qualified staff. Among the topics covered: hiring the right team and training them properly, creating an environment that teammates and members love being a part of, implementing unique services and programs, learning how to exceed member expectations, and realizing personal and financial success. Produced in cooperation with the International Health, Racquet and Sportsclub Association (IHRSA).

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21 November

QuickBooks Premier 2009 – Industry Specific 312560 – Closeout

QuickBooks Premier 2009 - Industry Specific 312560 - Closeout

Organize your finances, create invoices and reports, and more. Please note: When you order the QuickBooks Premier Accounting Edition 2009,  it includes all of the QuickBooks Premier Editions for 2009 – an ALL-IN ONE  product that lets you install the industry specific product you need. The Premier Editions All-In-One 2009 product lets you select one (1) of the Premier Titles of Your Choice during installation. The Premier All-In-One product titles include: QuickBooks Premier 2009 Accountant Edition QuickBooks Premier 2009 Contractor Edition QuickBooks Premier 2009 Manufacturing & Wholesale Edition QuickBooks Premier 2009 Nonprofit Edition QuickBooks Premier 2009 Professional Services Edition QuickBooks Premier 2009 Retail Edition QuickBooks Premier 2009 General Business Edition QuickBooks Premier Accounting Edition 2009 provides industry-specific tools to manage your business.  Get more insight into your business with 150+ industry specific reports in just one click.  Access your QuickBooks data from any secure Internet connection for one year free.  Get set up easily with sample files, menus and chart of accounts tailored to your industry.  You can create sales orders and track back orders, set product/service prices by customer type, and track costs for assembled products and inventory. View unbilled time and expenses in one screen, transfer to an invoice, easily create a business plan, forecast sales and expenses, and much more. Company Snapshot – Get a real-time snapshot of your business, all in one centralized and easily accessible location. Online Banking – Save time from manual data entry by downloading bank and credit card transactions directly into QuickBooks.* Multi-currently – Easily track your sales and expenses in all global currencies. * Online services vary by participating financial institutions or other parties and may be subject to application approval, additional terms, conditions and fees. QuickBooks Premier

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21 November

Investment of Influence: A Study of Social Sympathy and Service


Investment of Influence: A Study of Social Sympathy and Service

Investment of Influence: A Study of Social Sympathy and Service

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21 November

Financial services

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Financial services

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21 November

Paperback, Marketing Financial Services


Paperback, Marketing <a href=financial services” />

Within a practical business context of the changing, competitive climate, this book details the implications for marketing strategy. New chapters cover topics such as credit cards and customer care, while several relevant case studies have also been added. Combining analysis of principles, concepts and techniques with sound practical advice, Marketing Financial Services is ideal for students on degree and postgraduate courses, including Chartered Institute of Bankers. There is also a tutor resource pack to accompany the case studies in this textbook. ideal for CIM diploma students, as well as those on degree and postgraduate coursesbook combines principles, concepts and techniques with practicestrong contributor team

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21 November

Banking Services: a Guide for Governments

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Banking Services: a Guide for Governments

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16 November

Can I sue someone for giving out my social security and personal information?


I’m closing on a property and the title company sent my loan documents to the wrong email address. The documents contain my social security number, birthdate, salary, pretty much every piece of personal financial information on me. This was sent to someone with essentially the same name as me. Do I have any legal recourse against the company for mishandling my information? Short of changing all my personal info, I think I may need to enroll in an identity protection service. Can I sue them for the cost of this? If I use this service for the rest of my life are they responsible for the entire cost?
The loan documents were scanned as pdfs and sent in an email as attachments

As far as negligence, the representative has my correct email since I’ve copied her on other correspondences. Its not a case where I wrote down the wrong email adresss and gave it to her.

While I know there are no monetary damages yet, I will have to take preventive measures now that my personal information has been compromised. My thought is that the company should be responsible for paying for any costs I have to incur such as the fee for an identity theft protection service. These are generally annual fees so would it be reasonable to sue for amount that would cover the fees for a period of time?

Thanks for the responses

A successful lawsuit requires you to prove both negligence and damages.

Negligence is something that rises above a simple mistake, so I can not have an opinion without more information. At this point, there are no damages unless the other party uses the information unlawfully.

You can try requestion compensation for a credit check, but don’t count on it. You can do a free check on yourself once a year anyway. I have the website, I’ll update the link when I find it.

16 November

Do companies like American General Financial Services just send pre-approved loan offers to people w/ sketchy?

credit, or do they send them out to anyone and everyone who qualifies? If you get a loan offer from them, does that mean something is probably wrong w/ your credit?

I don’t know, but I know that I got a lot more credit offers either when my credit was having problems or soon after I’d gotten credit, so my guess would be that any activity, good or bad, may trigger these offers (I got a card in the mail today…shredder bound).


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