Very Easy Financial Services

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.

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

(more…)

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).

We all are looking for the fastest way to get the things we want. People charge up their credit cards because it is quick and seems painless at first. Those with debt and credit problems want to fix it and move on as fast as possible. This is a good goal, but if you rush things too much, you could find yourself a victim of a fraud.

Credit-related frauds and scams target the inexperienced, the elderly and the desperate. They are specifically looking for someone who will jump on an idea without thinking it through. You pay up front, but they never deliver what they promised. These scams can cost you as little as your up-front payment or cost you as much as your home.

The Federal Trade Commission specifically warns consumers to be wary of all “companies that want you to pay for credit repair services before they provide any services.” Credit repair services that charge up-front fees are specifically breaking the law. It is illegal to charge you before the services are rendered under the Credit Repair Organizations act. However, there are many companies who regularly collect up-front payments.

Let’s get one thing straight to begin with — you don’t need anyone to help you clean up your credit report or score. What can be done has to be done by you. Do a little homework on raising your credit score and improving your credit history and you will find that it is really quite simple.

Some credit repair companies will tell you to dispute all of the derogatory information in your credit report, even if it is true. They are hoping that the credit bureau will not be able to verify all of the items before the 30-day time frame is up. However, this strategy doesn’t work. If something is taken off that is accurate, it will be put back on. You also risk the chance of having the agencies decide that all of your future disputes are “frivolous” under the Fair Credit Reporting Act. This means that they won’t even be considered.

There are many companies out there that tell you to apply for an Employer Identification Number from the IRS and use this instead of your Social Security Number to apply for credit. This is illegal. You could go to prison for doing this and face heavy fines.

Credit repair is a simple process. It is absolutely free. There is nothing that they can do that you can’t do for yourself. If you are having serious financial difficulties, turn to a financial advisor or credit counselor, not credit repair services. You will find that a solid financial plan has the added benefit of helping you to repair your credit. You can repair your negative credit without having to pay a penny to anyone. Take the time to research your options before you jump into anything that promises to be a quick fix. These promises usually cost you money.

Martin Lukac
http://www.articlesbase.com/investing-articles/credit-repair-isnt-magic-83331.html

Many consumers understand that fixing bad credit is important because of how it affects their ability to buy a house or obtain a car loan, but you might not realize there are many other reasons. Bad credit not only affects loans and interest rates, but a bad credit score can actually prevent you from a promotion or from getting your dream job. That is why you might want to look up the services of good credit report repair services.

People must realize that banks aren’t the only ones who can easily look up your credit score and get a copy of your credit report (another huge reason to always make sure your credit report is up to date and doesn’t include any erroneous information). This is actually a very widespread and commonly accepted practice now, specially in the white collar world, or even in administrative service sector jobs. Your current manager, or a prospective employer, could look up your credit up and it could affect you for the worst.

if you’ve had some bumpy times in the past, and haven’t paid much attention to your credit scores at all, then you need to fix bad credit and get the help of a company who is proficient in bad credit report repair. Many mangers and potential employers see a credit report as a good way to actually measure the dependability of a worker, and whether or not that individual would be a person who could handle the responsibilities of the job position. If that credit score comes back reading 549, or even 620, you can probably kiss that dream position good bye.

On the other hand, if you look the mirror and decide “I’m going to rebuild my credit and get my house in order,” then maybe after you fix bad credit you end up with a 680 or 720. This is the type of score that is going to reflect very favorably upon you as a responsible individual, and gives you a much better shot at getting that dream job or promotion you been aching for.

If you think there is no need to fix bad credit and look for credit report repair services you don’t really need, think again. Checking a potential employee’s or promotee’s credit score isn’t a rare occurrence. This is actually a very common and widely accepted practice now, especially in the white collar world, or even in management of service sector jobs. If you’re looking for promotion in your work place and on to making more money, you better have your financial house in order.

The good news is that there are many professional and reputable services that offer bad credit report repair, and while getting an absolute top notch credit score can be difficult, for many people it really doesn’t take all that much to improve their credit score. Over a third of consumers have a debt or other incorrect information on their report that is hurting their credit score.

Just removing that can be a good first step towards fixing your credit, and the professionals will be able to help you fix any credit score and get on the way to the kind of credit history that will make your resume shine at promotion time

Marvin Wright
http://www.articlesbase.com/finance-articles/good-job-equals-good-credit-history-fix-bad-credit-now-714266.html

Does anyone have any info/experience with Balance Financial Fitness (CCCS)? My credit union (SunCoast in FL) referred me to what they say is the program to use, which is the company Balance Financial Fitness….my first thoughts are that this would be a legit CCC service since my Credit Union referred me to them?

((Any CCCS company that you’ve had a good experience?))

Here are links to two websites for Balance. The first one is the one credit unions who are learning about the program use. The second one is for consumers.

http://www.balancepro.org/

http://www.balancepro.net/

Yes, the company is legit & has a great track record of helping people.

Hope this helps. Good luck!

financial services Regulation” />

Updated: March 24, 2004 Get the rundown on legislation that would make it easier for banks to open branches across state lines and give credit unions the ability to offer loans to more people. HR 1375, sponsored by Rep. Shelley Moore Capito, R-W.Va. Bill Title: Financial Services Regulatory Relief

(more…)

College student credit cards are a new marketing phenomenon. Two decades ago, college students never had the opportunity to take their pick of the credit cards currently available today. But with the changing needs of students all across America, it was only a matter of time before college student credit cards became a common medium of exchange.

What makes college student credit cards different?
Their function is exactly the same as that of regular credit cards, except that many credit card companies recognize the special needs of college students and offer certain perks that you normally won’t find anywhere else. A student credit card, for example, can offer you a discount for the purchase of school supplies or other school-related materials. It can also come at a much lower interest rate.

Where can I find them?
Everywhere, actually. Your school campus, for one. Each September you’ll probably find credit card representatives setting up tables and kiosks on your campus grounds to offer their college student credit cards services. A pretty convenient opportunity if you decide to get your credit card this way. You can also take advantage of the free stuff these companies usually give away with each application.

On the downside, you could be limiting your options to what these credit card companies have to offer. More often than not, many of the college student credit cards that are marketed on campuses don’t always have the best rates. They may, in fact, be quite high.

To find the best rates, you might want to call up several credit card companies to see what their interest rates are or go online and shop around. You shouldn’t be pressured to get a college student card offered on campus if you could get one with a better APR online.

What good would a college student credit card do for me?
A lot, actually. It is a good and safe substitute for cash and is a convenient way to pay for anything you wish to buy. It can tide you over in case of emergencies when money is tight and you can access many services online and off with a simple swipe.

A college student credit card can also give you your first taste of financial independence and responsibility. After all, you will be the one who’ll be shelling out the cash to pay for your credit card bill each month. It can give you your first-hand experience in managing your money and teach you some valuable lessons in the process.

Is plastic always fantastic?
You may have heard of the horror stories, but much of the rap that college student credit cards receive is mostly undeserved. College student credit cards aren’t innately evil; it’s the way they are used that leads a student to a lot of financial trouble.

Many college students fall hard and heavy for the spending power that credit cards give. They go right ahead and charge a lot of stuff they don’t really need and can’t afford to pay for at the end of the month.

There are serious ramifications for this kind of irresponsibility. If a student allows his bad spending habits to continue, he could rack up a huge credit card bill that he is ill equipped to pay for. It’s not uncommon to find a student struggling with a huge credit card debt even before he graduates from college.

On the brighter side…
It’s not always a sad relationship. Just like any financial tool, a college student credit card can help you build and establish a good credit history, provided you use it responsibly. Remember that convenience comes with a price. If you have the discipline and can stick to a budget, a college student credit card may just work in your favor.

Mario Churchill
http://www.articlesbase.com/finance-articles/ready-for-your-very-own-college-student-credit-card-111705.html

my dog is very sick and in need of emergency medical services. i have already spent about $1000 and i do not have another penny to my name. any suggestions on how to come up with about another $2000, fast?

I am very sorry to hear about your dog. If all else fails, you could try going to the media. Either a newspaper story or a TV story might help to generate donations. They do it for people, why not for a dog. Most of the time a bank account is set up specifically for the cause (your dog’s medical care), and people can then make donations.

Also if your vet will not let you set up a payment plan, I would look for another vet that would. I think it is inhumane not to help a dog just because the owner has run out of money.

Student credit cards will probably be one of the first things you will encounter as you go off to college. This very ‘adult’ financial tool can be a great help during emergencies when cash is tight and you need to pay for goods or services immediately. As a substitute for cash, it provides a safe and convenient method for purchasing.

How to get the best deal on your student credit card
Getting your student credit card is a lot easier than you think but if you’re not careful, you could end up with an unsatisfactory deal. To find which credit card is perfect for you, perform a shop comparison by talking to three or four different companies. They all offer different rates so you have to know what is out there to get the most out of your application.

Look for perks and extras at the same cost. When looking for a student credit card, remember that nothing is for free. Whatever comes piggyback on your credit card pretending to be a freebie is not really a gift. You’re paying for it and just don’t know it.

To make the most of your so-called freebies and perks, look for a student credit card that offers discounts, warranties, flier miles, free gas and other benefits. You may only earn them each time you use your card but they can come in handy in the future once you’ve accumulated enough.

Choose a student credit card with low annual fees. If you can, go for a no-annual fee credit card provided there are no hidden fees in the offer. You can save a lot if the credit card company agrees to waive it. Watch out for the renewing period when the credit card company charges the annual fee and make sure you know exactly how much and if you can afford it.

Advantages of getting a student credit card
Spending and buying power – student credit cards allow you to buy services and school-related materials even without cash.

Build credit history – a student credit card is probably your first step in building your credit history and how you manage it will have a significant impact in your future credit rating.

Build confidence and independence – a student credit card allows you to manage your finances for the first time and helps build your discipline and reliability.

Disadvantages of student credit card
A way to spend more than you can afford – there is always a temptation to spend more than you can afford to pay, even with a credit limit. If your expenses go unchecked, you could end up with a credit card debt that you will find difficult to repay.

A regular cost concern – as a student, your main concerns probably would be limited to spending money for food, accommodation, gas for your car and other basic expenses. If you have a student credit card you pay at a minimum, you will be saddled with regular payments month after month.

Where to get student credit cards
Student credit cards are available anywhere there are banks, schools and credit card companies. You can even apply for one online. Companies have even brought student credit cards into campuses, setting up booths and tables to promote their services and encourage students to sign up.

How it affects you and your future
Knowing and respecting your paying capacity is key to using and managing your student credit card. Used wisely, it can help you develop good money sense and teach you a lot about responsibility. It can be very tempting to have but just because it’s available doesn’t mean it’s right for you. Just remember to use self-discipline each time you flash your student card. Your credit rating, employment, financial reliability – a good part of your future, incredible as it seems – rests on that piece of plastic.

Mario Churchill
http://www.articlesbase.com/finance-articles/getting-schooled-on-student-credit-cards-120376.html