What is a Good Credit Score Rating?

Posted under credit card search by admin on Wednesday 15 February 2012 at 01:33

It is crucial to not only know what a good rating is but also what your current score is and how to get it up…fast. This three digit score can make or break your financial status, your ability to purchase a home or car, obtain a credit card, have a reasonable insurance premium, or get a job. In the end, the higher your score, the more money you can save because you will have lower interest rates, insurance rates, and a better paying job. While not all jobs or insurance companies check your credit, many do, and it won’t be long until they all do. In some cases, you don’t even get the chance to pay a higher payment, because you get turned down all together. If you have ever been in that situation then you know how humiliating it is to be told that your application for credit has been declined. There are ways to avoid this, so let’s discuss what is a good credit score rating, and how you can bring yours up.

What is a good credit score rating? A good score is somewhere between 700 and 849. While a rating slightly lower than that may be acceptable enough to get a loan approved, you won’t qualify for the lowest rate possible unless your score is at least a 700. Obviously, the higher the better. A person with a rating of 760 to 849 would instantly be approved for a loan, and receive a very low interest rate. Some creditors also require that you have proof of a job or steady income, but usually if your rating is above 760, you have proven your credit worthiness, and will therefore be approved. However, these high scores can seem very out of reach if you have a blemished past. The good news is that anyone can bring their score up this high; you just have to know what to do.

Once you know what is a good credit score rating, you will then need to work on bringing yours to this level. Basically, if you consider how your score dropped so low, then you simply do the opposite to bring it back up. Ratings usually drop when a consumer pays bills late, or doesn’t pay them at all. In order to bring yours up, the first step is to get a copy of your FICO report so that you can see exactly what has been reported. It is best to get a copy from each of the three agencies, Equifax, Experian, and TransUnion, because they all vary slightly. Call each creditor and tell them you want to dispute their negative remark on your report. Even if the debt is valid, disputing it will usually result in the creditor eventually removing it, which will bring up your rating. In the meantime, make sure that you pay your bills on time each month.

In these tough economic times, your credit score is more important than ever. Even people with seemingly good credit are getting turned down for credit cards and home and automobile loans.

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$5,000 Personal Loans For Bad Credit

Posted under credit card search by admin on Friday 10 February 2012 at 05:38

Are you in need of a personal loan? Do you need this loan to be at least $5,000? How is your credit? Most people now are experiencing credit problems and fall into the bad credit category. You are in luck if this is you because there are still ways to get $5,000 Personal Loans For Bad Credit. Here are your best options.

You should always check with your bank before you do anything else. some banks, especially credit unions and smaller banks, are willing to do loans for their member that have been with them for quite some time. You will especially be able to get a loan if you have gotten one through a bank before. Another helpful thing is if you have retirement or investment accounts with the bank that can be used to help secure your loan.

Regardless of your situation check with your bank to see if there is anything they can do to help you out.

Your next option is to search for bad credit lenders. There are a handful of lenders that will do personal loans of $5,000 or more for you if you have bad credit. These lenders are not always the easiest to find and will often require that you have something on your credit that you have paid on time for at least 6 months. This could be an auto loan, credit card, mortgage, or anything else that shows up on your credit.

Another option is to use Prosper. This is an online lending marketplace that allows you to place an ad, like an auction, and allow private individuals to bid on your loan. This is a great way to get your loan funded without worries of what your credit looks like.

The last resort is to use a combination of payday loans or cash advances. The maximum you can usually get is $1,500 so it might take four or five of these loans to get you the amount you need. The only problem with doing these to get $5,000 Personal Loans For Bad Credit is that you will have to pay them back pretty quickly and that can be difficult.

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Posted under credit card search by admin on Sunday 5 February 2012 at 11:01

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Phone, Internet, TV, Wireless…Comparing Bundled Services

Posted under credit card search by admin on Friday 3 February 2012 at 22:20

This article will allow consumers to educate themselves on the best deals possible for bundled services. In the ever changing and ultra competitive world of telecom many consumers can be confused with the many different bundled plans and services most phone companies now offer. With the implementation of bundled services consumers can now have most all telecom products (phone, tv, internet, wireless) and services provided by the same company at a lower rate than having multiple service providers. This article will categorically break down plans provided by most major telecom service providers available in th US. Each provider will be rated based on blanket availability, services offered, and cost effectiveness. These are comprehensive reviews based on research and not personal experience. Phone Companies Beware this article is designed to educate consumers and provide the best possible options for telecom services.

First up AT&T The monopolizing entity of the Big 3 phone companies few can compete with the blanket availability of AT&T’s products and services worldwide. Being one of only three telecom companies that also offer wireless phone service as a part of its residential bundle which also includes its unlimited calling plan phone service, satellite TV Through Dish Network and of course the world famous ATT Yahoo DSL. Few companies can compete, but there are cheaper bundled service plans out there especially for the consumer that is not interested in cellular phone service. Here is an example of the services offered and billing for the AT&T Residential bundled services plan.

Phone Service- Order AT&T All Distance Online Select(SM) online and get unlimited local and domestic direct-dialed long distance plus great calling features.

TV Service- AT&T | DISH Network entertainment package with over 60 of America’s favorite channels. Includes local channels Plus Free DVR.

High Speed Internet- Yahoo DSL ATT,Plus, order Express online and receive 1 month FREE! (New residential DSL customers only. Bill credit applied after three months paid service. See offer details.)

Wireless Cell Phone- Cingular Nation 450 anytime minutes Cingular Wireless® plan with Rollover® Minutes, unlimited Mobile to Mobile minutes, and more. Plus get a $5/mo. discount

with qualifying AT&T services.

Bundled Plan Total Cost $130.94/mo or less!

Well Old Ma Bell Does Have A Cost Effective Money Saving Bundle With The Most Availability!

4.5/5 Stars

Next we have Qwest Communications One of the Big 3 Telecom service providers its coverage area is limited to the Western half of the states mainly the Pacific Northwest but as far as price and overall services this company by far has the best bundled package including wireless cell phone service on the market. One Negative though No free DVR here but more channels with Direct TV as opposed to ATT Dish Network, Here are the details.

Phone Service- Digital Voice: Unlimited local and long-distance calls from your home phone to anywhere in the U.S. and now Canada, anytime. PLUS, choose up to three of your favorite calling features.

TV Service- The DIRECTV® package offers 185+ channels in 100% digital quality.

High Speed Internet- Qwest Choice DSL Deluxe with MSN. Unlimited Internet access that’s up to 25 times faster than 56Kbps dial-up.

Wireless Cell Phone- 500-minute plan, free UT Starcom 7025 phone (after $10 credit on 2nd or 3rd bill, with a two-year agreement), free headset and charger, free shipping, free activation and free Unlimited Nights and Weekends Starting at 9 p.m. WHOO HOOO a FREE PHONE!

Bundled Plan Total Cost 125.96/mo

Unbeatable 5/5 stars if its available in your are choose Qwest!

Well here it is last of the Big 3 Phone companies Verizon. I’m wondering which of these companies will be around for the next 20 years with AT&T having a strangle hold on our national market. Verizon Phone company does provide some pretty stiff competition for Old Ma Bell though, Here are the details.

Phone- Verizon’s Freedom Essentials provides unlimited calls to the US and Canada as well as the main basic calling features with voicemail being FREE 1 up on AT&T.

TV Service- Same Plan as Qwest with Direct TV more channels for the money as opposed to AT&T.

High Speed Internet- DSL the cable companies sure have 1 up on DSL consumers with faster speed available but in a bundle Verizon has a pretty good plan, Connection speeds up to 3.0 Mbps, More than 80 times faster than dial-up, Three installation steps

here is the one negative with their DSL service in the bundle One-year commitment required.

Wireless- Well We’ve all heard of the network on TV and the such and Verizon Phone Company does offer wireless services as part of its bundle with 450 anytime minutes and a standard wireless plan.

Bundled Plan Total Cost 134.99-144.99/mo depending on your area.

I would have to rate them #2 amongst the Big 3 as far as services and pricing but they do have the edge on Qwest based up blanket availability.

4.5/5.0 stars

Now we go on to the cable companies that have also submitted their bids for your telephone service as well first up we have Comcast Cable Company. Well if you are truly dedicated to cable TV and internet if available in your area Comcast Cable Company is the way to go all necessary equipment is Free after mail in rebates and services are exceptional based on consumer reviews online. Here are the details.

Phone- Unlimited local and long distance in the US (excluding Alaska and Hawaii) and Canada from one provider. One bill for local and long distance. Keep your current phone number (subject to some restrictions).

TV Service- Over a hundred channels, plus local channels. Digital quality picture and sound. Parental Controls and an Interactive Program Guide Movies and shows you can start on your schedule with Comcast OnDemand – many included at no cost.

High Speed Internet- Comcast Highspeed Cable Internet, Speeds up to 3Mbps and a reliable connection. Anti-virus and firewall software, spam filtering and parental controls included. Always connected, no dial-up required. Up to 10 email boxes and extra storage FREE MODEM NO LEASING FEE AFTER REBATE!

With no wireless service available as part of the bundle I still have to give the Cable edge to Comcast with So many cash back offers on signup!

Bundled Plan Total Cost 99.00/mo

Next Up Charter Communications, the reviews are in some good some bad and well some just plain indifferent. Charter Communication Cable…Cable TV’s answer to the Big 3 phone companies (AT&T, Qwest, Verizon) and satellite tv’s quest to crush cable have assembled their own bundled telecom services package as well. Though wireless cell phone services are not offered as part of the Charter Bundle. Charter does have a few advantages that may just sway a chunk of loyal wireless consumers back to the wired world. Here are the details.

Phone- Unlimited local and long distance in the US (excluding Alaska and Hawaii) and Canada from one provider. One bill for local and long distance. Keep your current phone number (subject to some restrictions).

TV Service- Over a hundred channels, plus local channels. Digital quality picture and sound. Parental Controls and an Interactive Program Guide Movies and shows you can start on your schedule with Charter OnDemand – many included at no cost.

High Speed Internet- Charter Highspeed Cable Internet, Speeds up to 3Mbps and a reliable connection. Anti-virus and firewall software, spam filtering and parental controls included. Always connected, no dial-up required. Up to 10 email boxes and extra storage

Wireless Cell Phone- NA

Bundled Plan Total Cost 99.97/mo

On Demand is Pretty Nice and no matter what DSL users say cable is faster than DSL but with no wireless service it means I still have to look at another bill month to month. Limited availability Though. 4.0/5 stars

Last but not least Time Warner Cable Company Well While Competing in huge markets such as New York, Houston, Dallas, and San Antonio Time Warner has a bundled services package that seems to be the best for the loyal cable consumer. Still no wireless phone service but with high speed cable internet service through Road Runner and On Demand programming as well as a free DVR included in its digital Cable package it seems to be the service to outlast Charter and Comcast in the Cable Providers rank and file in our new telecom bundled services world.

Phone- It’s time for a better residential telephone service. It’s time for unlimited calling to anywhere in the US, Canada and Puerto Rico, plus popular calling features for one low “monthly” price.

TV Service- Time Warner Cable Over 250 Channels

With features like Digital Video Recorder (DVR), you can now record anything you like and watch it later, with all the control of a VCR or a DVD. You can even pause live TV. Plus On Demand

High Speed Internet- high speed cable via Road Runner. Hey Its Cable internet always on and faster than DSL.

Wireless Cell Phone- NA

Bundled Plan Total Cost 99.97/mo

Hey I had AT&T but DSL was too unreliable I now have Charter but wish I could have Time Warner

4.0/5 stars

In closing with the market as competitive as it has become for your telecom dollars finding the best bundled services package for your home or business is just a matter of educating yourself.

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What Happens When You Are Sued Over Old Credit Card Debt?

Posted under credit card search by admin on Sunday 29 January 2012 at 01:56

Have you received a summons for breach of contract on an old credit card debt? Or, do you have collectors calling you daily and threatening to bring legal action? For many “junk debt collectors” bringing about lawsuits over old credit card debt (that has likely been charged off, leading you to believe that you are “untouchable”) has become big business.

If you are like the majority of American’s out there who are being hounded by creditors you likely ignore their calls and letters thinking they will eventually go away. Wrong. The new breed of junk debt buyers will SERVE YOU WITH A COMPLAINT SUMMONS!

What’s a junk debt buyer?

There are many, many of these companies and they all go by different names and aliases. Companies can buy charged off debt from your original lender for pennies on the dollar. It’s not uncommon for these debts to be bought & sold over, and over, and over again.

What does this mean?

Well, say you had an old credit card from 1999 that you defaulted on and eventually stopped paying. The original creditor (OC) charges off the debt, closes their books and sells YOUR debt to a third-party junk debt buyer (JDB). The JDB pays pennies on the dollar for your debt.

If you agree to settle for even half of the debt (if you are going to pay a collector, always negotiate down the debt, they’ll often settle for 70% of the original amount because they are still making HUGE profits!) the JDB is still making an obscene profit off of YOU.

However…there is GOOD NEWS if you have one or more of these JDB’s after you. They are banking on the fact that the majority (some estimate it to be as high as 97%) of Americans who are sued over old credit card debt do not show up for their hearing date and do not try to fight the lawsuit in any way. Even if you do owe the debt, this is the worse thing you can do!

Here’s the scoop….

If a creditor has determined that you are a good prospect for paying on your debt and you have failed to respond to their demands for payment you will then be moved to their “legal department”.

Many of these junk debt buyers or collection agencies have retained law firms that are basically collection agencies masquerading as law firms. They usually have one legitimate lawyer working for them and the rest of the employees are just plain old collection agents. All these JDB’s have to do is file a Complaint (typically for Breach of Contract) with the civil or district court in the county where you reside. They will pay a nominal fee and a process server to deliver the Summons to you in person.

YOU CAN BE SERVED AT YOUR WORKPLACE OR HOME!

You generally only have (20) days to respond to the Summons with an Answer, which is a document that must be filed in person at the courthouse by YOU and a copy sent Certified Mail, Return Receipt to the attorney representing the creditor.

If you DO NOT RESPOND WITH AN ANSWER WITHIN 20 DAYS (OF THE DATE YOU WERE SERVED) a DEFAULT JUDGEMENT is entered against you AND this gives the collector the GREEN LIGHT to FREEZE YOUR BANK ACCOUNT AND GARNISH YOUR WAGES!

Note: Often the “collection attorneys” are junk debt buyers themselves and actually own the debt.

Most Breach of Contract lawsuits are filed in civil court, NOT small claims. The creditors are smart and know that in the civil courts YOU must be represented by a lawyer or you can represent yourself buy must follow standard rules and procedures of the court. This is called being a “Pro Se” litigant.

A “Pro Se” litigant must file proper legal pleadings and represent themselves just as a lawyer would. It’s really quite simple but you can understand why this scares off so many litigants and why civil judges often spend one or two afternoons a week going through complaints and granting default judgements because VERY FEW defendants know how to/nor have the time to figure out how to respond within the (20) day time-frame.

If a DEFAULT JUDGEMENT is entered (which happens over 90% in these cases because people don’t have the time and knowledge to fight back!) your creditor AUTOMATICALLY WINS THE LAWSUIT!

The creditor doesn’t even have to show up to court and OFTEN DO NOT! YOUR FAILURE TO RESPOND WITH AN ANSWER AUTOMATICALLY GRANTS THE JUDGEMENT TO THE PLAINTIFF (THE CREDITOR)!

Over 90% of credit card debt lawsuits end in default judgement because the defendant does not appear and/or does not respond with an Answer. This is a GOLDMINE for the creditors!

They expect you NOT TO FIGHT BACK and are literally banking on the fact that over 90% of debtors roll over and accept the judgement. Oftentimes the amounts these companies are suing over have been ridiculously inflated and they have NO RECORDS to back up their claims, additionally they are NOTORIOUS for violating the Fair Debt Collection Practices Act and for trying to collect on out-of-statute debts. The statute-of-limitations on debt collection can range from 3 years to 10 dependent on your state’s regulations. You can easily Google the SOL for your state.

If you respond with an proper “ANSWER” within the required time-frame (generally 20 days) your chances of their DROPPING THE LAWSUIT are VERY GOOD! They don’t want to actually fight you in court, that costs them time & money. AND, they OFTEN don’t have any kind of records to substantiate their claims.

When the JDB’s purchase debts they receive minimal information. In many cases, the actual credit card contract you signed (and statements) is unavailable as the original creditors closed the books on your account years ago. Additionally, YOU never signed any kind of contract with the collection agency…..this is another defense that you can raise.

If you’re still hesitant to fight back, consider this:

They’ll be monitoring your credit report electronically….any purchases or even requests for credit will raise a red flag. They will know if you’ve bought a new car, house, boat, or anything of value that they can put a lien against.

YOU NEED TO AVOID A DEFAULT JUDGMENT AT ALL COSTS! IT WILL RUIN YOUR CREDIT FOR A MINIMUM OF 7-10 YEARS!

The Good News -

I was served with a summons for breach of contract in May of 2007. I immediately began RESEARCHING….AND RESEARCHING……AND RESEARCHING.

I’m a middle-class person who ran up some debt in my early twenties. I made sporadic payments not realizing the detrimental effect that it was having on my credit report. All told I believe I actually charged about $1,000 on a VISA card. My account was turned over to various collectors where I would make one or two large payments and then I wouldn’t hear anything….and then another one of these collectors would crop up. I eventually stopped paying. The sporadic payments I was making weren’t even making a dent as they just kept adding charges onto my balance.

With all the late fees, over limit fees, and interest charges I felt like I had probably paid them well over what I originally owed and at the time I just couldn’t keep up. They pretty much dropped off the face of the earth for many years and I forgot about it. I got married, bought a house (with a terribly high interest rate), car, had kids, etc……and then last May some beater car pulls up to my house and delivers me a Summons while I’m outside watching my daughter ride her bike. It was very unsettling. I was being sued for $5,000 plus legal fees and I had 20 days to respond with an ANSWER. The wording was such that I could tell the “collection attorney” expected me to just accept the judgment.

So, I began my RESEARCHING, it’s not easy, but SO worth it. I began researching at the law library, poring over legal message boards, NOLO law books, and credit repair blogs and websites. I spoke with an extremely helpful court clerk who gave me the real dirt on how these companies operate and I was fortunate enough to consult with a consumer affairs lawyer.

All of my work paid off and my creditor dropped their lawsuit.

Regardless of your exact situation, the first step is to FILE AN ANSWER. Your creditor will either drop the lawsuit or you will be granted a court date. In all likelyhood, the creditor won’t show up for the court-date (granting you automatic dismissal) and if they do, you’ll be in a better position to negotiate a settlement or payment plan with them.

Utilize the internet, there are many, many folks in the same boat as yourself. There are many helpful message boards which are a good place to start.

Try to remember that even though the debt is yours, you have every right to have their claims against you substantiated. These companies are making a tremendous profit off of hard working Americans and you owe it to yourself and your financial future to face the music and fight your lawsuit as best you can.

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10 Things You Need to Know When You Get An MRI

Posted under credit card search by admin on Tuesday 24 January 2012 at 21:46

Do you know what an MRI is? Have you ever had an MRI? Did you become claustrophobic while you were in the MRI Machine? Do you leave the MRI with a headache? If you have answered yes or no to any of these questions, read on.

WHAT IS A MRI?

A Magnetic Resonance Imaging (MRI) is high quality images of the inside of your body. This is achieved by using a high magnetic field and radio waves. This test will determine your diagnosis. A report will be dictated by the radiologist and sent to your ordering physician.

WHAT IS IT USED FOR?

An MRI is used by your medical physician to receive a comprehensive medical report dictated by the Radiologist. In this way, your physician can make an accurate medical diagnosis.

DOES IT HURT?

No this does will not hurt you. It is a non-invasive test. The only thing it will do is annoy you with the loud noise it makes through out the test.

(1) QUESTIONS YOU ARE ASKED BEFORE YOU RECEIVE AN MRI:

(a) Do you have any tattoos on your body?

(b) Do you have any metal in your body?

(c) How much do you weigh?

(2) METAL FREE:

(a) Lock your valuables in a locker. Especially, any credit cards or any card with a magnetic strip.

(b) You can not take any metal object into the MRI room at all for you safety.

(c) You absolutely can not wear anything with metal on it. So if you are wearing jeans with a zipper, snap or button, they will have to be removed. A woman cannot wear a bra if it contains any metal. The safest garment to wear is a hospital gown.

(d) Remove all your jewelry and l leave it in your locker.

(3) THE MRI:

When you are actually ready to have the MRI you will be asked to lie down in a long cylinder. Depending on the part of the body to be scanned – you might or might not have your head inside the cylinder.

(4) CLOSED AND OPEN MRI MACHINES:

There are some open MRI machines and these are especially useful for people who are claustrophobic. I was just recently told by an MRI technician, although people prefer the open MRI machines, they are not as accurate in the testing results as the enclosed MRI machine. In either machine the top and bottom are not enclosed.

(5) NOISES:

When you are placed in a MRI machine you will hear a variety of noises. I always relate these noises to men breaking up cement with those very noisy drills. These noises although very annoying to you, are very necessary for achieving a reading on the MRI scan.

(6) LYING IN THE MACHINE:

While you are in the machine and being scanned you need to lay very still. You can not move. If you move you will ruin the image or picture the technician is taking and it will have to be repeated.

(7) HOW TO STAY CALM AND QUIET IN THE MRI MACHINE:

a) Keep your eyes tightly closed and never open them while you are inside the canister.

(b) Use earphones with your favorite radio station in your ears. Sometimes, this is not possible, you only get ear plugs which are useless.

(8) CLAUSTROPHOBIC:

If you are really claustrophobic you need to inform your ordering doctor about this fact. A sedative will be arranged for you to take before you reach the MRI Center. Always bring someone with you to drive and make sure you get home safely if you have taken a drug.

(9) EATING:

Most of the time you may be able to eat before and MRI but there are times when you will not be allowed. You will be instructed if you need to be NPO at the time of your MRI.

(10) CONTRAST AGENT, DYE:

The dye which is used is called gadolinium. It has less of a reaction than any other dye used for other testing. It is used to receive a clearer image of the area which is being scanned.

Thank you for reading my article. Please feel free to read any of my numerous articles on various subjects.

Copyright Linda E. Meckler. 2007

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Posted under credit card search by admin on Wednesday 11 January 2012 at 18:11

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Consolidated Credit Cards: Good Idea or Not?

Posted under credit card search by admin on Friday 6 January 2012 at 23:20

Are you a recent college graduate? Did you accumulate thousands of dollars worth of liabilities spread out over multiple your credit card accounts?

Are you planning to combine the credit card accounts with a much lesser APR in order to save some dollars and make that monthly payment more convenient? Do you have a good credit record and pay on time? Need help?

The problem with most of the credit card consolidations is getting approval for the higher credit limit. In fact, most of the consolidated credit card deals are very tight when it comes to credit card limits.

Most of the people who want to consolidate their credit card have the same problem. For example, most of the students in college are planning to consolidate most of their credit cards after using it in order to assist their college years.

Now here is a big factor. The very vital aspect of most debt is how much is the total cost. The best credit is the cheapest credit ever. The credit card holder must be able to compare the rates of the total amount of the loans.

Many people want to combine credit cards simply because they are tired of handling too many accounts.

Be aware of the most often repeated mistakes like, consolidating at a greater rate for the effect of convenience of sole payment. It is a more delicate option to decide if it is worth for a little account in order to avoid extra amount of interest. It is advisable to find a way to avoid extra cost.

It is worthwhile when trying to consolidate all of the debt accounts into one make it sure not to leave a zero balance accounts. If the account has been closed, the credit option and saving interest will be closed also.

If the consolidated credit cards are paid on time, it is appropriate to keep it. The credit card has still its account and can be used in the future.

Now to further illustrate the consolidating and reducing rates,

As much as possible when consolidating credit cards, dealing with the representative can be very helpful. The representative can make a deal regarding other accounts and transfer it later on.

Make a comparison with other banks. Choose the bank that gives a great deal like raising credit limit or a much better rate. The bank can boost credit maximum value on the dot of few dollars. Keep in mind that, no matter what happen make a call to the bank and ask what they can do. If they offered a good deal, transfer the account right away.

What are the other consequences of debt consolidation?

An effect of combining debts is that, instead of having five separate payments to five separate creditors, it will become single payment for only one creditor.

There are many benefits to consolidating credit cards, one of this is straightforwardness. Imagine having 10 payments and several bills combined into one.

Some advice, research consolidation. It is very important to know the proper way of combining payments. Do not just get into some deal that will only put you on the “payment debt treadmill”. Do not enter into a trap of debt where consolidation of payments will only lead to more debt.

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