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Free Credit Repair & Free Credit Reports at www.e-Credit.TV
Go to www.e-Credit.TV for Free Credit Repair, Free Credit Books, Consumer Credit Counseling, Debt Consolidation and Identity Theft Protection. In this video the US Treasury Dept. explains how to obtain free credit reports from all three of the credit bureaus. The video also explains how Fraud Alerts work and the activation process.
Latest Credit Auctions
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Latest Bad Credit Auctions
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Latest Credit Repair Auctions
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Americans should examine credit reports for errors
Amid the subprime mortgage crisis and recession, Americans understand the importance of maintaining a strong credit standing. The strength of a consumer’s credit report can influence their ability to secure loans and insurance at low rates and gain employment. Because credit standing can make or break a consumer financially, individuals should be diligent about monitoring their credit reports for errors or inaccuracies.
One study asked 30 adults for permission to review their credit reports for accuracy. The findings revealed that nearly 80 percent of credit reports contain errors, according to the U.S. Public Interest Research Group. In that percentage, 22 percent of credit reports listed the same mortgage or loan twice, while 8 percent were missing major loans or mortgage information. Alarmingly, 25 percent contained serious errors that could jeopardize the consumer’s ability to secure credit, the U.S. PIRG reports.
These findings demonstrate the importance of monitoring credit reports to ensure that correct information is listed. Consumers who find inaccuracies on their credit reports should begin the process of filing a formal dispute immediately to have the information removed, reports the Atlanta Journal-Constitution.
Consumers should first contact credit bureaus in addition to the creditor that listed the inaccurate information, the newspaper reports. By contacting both agencies, a coordinated investigation and communication flow may expedite the process, the Journal-Constitution says.
Consumers should also send a letter and copies of all supporting documentation to credit bureaus requesting that the error be removed from the credit report, according to the newspaper. A similar letter should also be delivered to the credit issuer who initially reported the information to credit bureaus. The letter should be as detailed as possible and contain the correct contact and account information, the Journal-Constitution advises. Investigations into disputes may take up to 30 days, the newspaper says.
Credit monitoring is an important component of financial health and literacy. Consumers who regularly examine their credit reports will not only protect themselves from false financial information, but may discover and report identity theft as well. Identity theft affects nearly 11 million Americans each year and may result in a battered credit score if it goes undetected. Consumers should obtain a copy of their report each year to examine for errors.
Reference:
http://www.creditreport.com/creditreports/articles/americans-should-examine-credit-reports-for-errors_19760993.aspx
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Three Ways Your Business Will Improve When You Accept Credit Cards
There are lots of ways your business will improve once you start accepting credit cards as a valid form of payment. Let’s take a look at three of the most major improvements you’re likely to notice.
Increase Your Customer Base
Customers like credit cards for a number of reasons. Especially in recent years, more and more men and women have turned to credit cards to make a wide range of purchases.
While once these cards were reserved primarily for large, expensive purchases, today’s consumers use them for even small daily purchases, like a cup of coffee from the local coffeehouse, and everyday expenses such as groceries and gasoline.
With so many consumers reaching for plastic when it’s time to make any type of purchase, using credit cards ahs become second nature. Appealing to this large group of consumers can go a long way toward helping you grow a big, healthy customer base. The reasons why customers are using cards more and more are varied.
Here are a few:
Flexibility
One of the major advantages of credit cards for consumers today is that they allow a buyer to spread out payments over a period of time. As a result, buyers can afford to make larger, more expensive purchases than they could with cash.
Buyers appreciate the ability to choose whether to pay the minimum amount due, or to pay the balance in full, based on their budget for any given month. And, as the card balance is paid down, consumers know they will have a replenished amount of cash on hand to use as needed, for both unexpected and planned purchases.
Convenience
Credit cards are less bulky to carry than cash, and they are les restrictive than cash, eliminating the need to carefully preplan shopping trips to ensure they have enough cash on hand to make the purchases they want.
Consumers also know that, with credit cards, if they see an item they had not anticipated buying during a shopping trip, they are not limited by a set amount of cash in their wallet or purse, adding an extra level of buying power and freedom.
Credit cards are great for travel and for buying online from international dealers, since they perform currency conversion automatically. Speaking of online purchases, this is where credit cards really shine, with more than 90 percent of online shoppers reporting they only use credit cards to make purchases while surfing.
Security
If a credit card is lost or stolen, card holders can pick up a phone and report the incident, have a new card issued, and avoid paying for nay purchases made once the card is reported. With cash, once it’s lost of stolen, it’s gone for good.
Credit card issuers also offer consumers added security by providing a well established dispute process, which goes a long way toward helping consumers feel safe and secure when making purchases, especially online.
Many credit cards today also offer extended warranties on products purchased using the card, an especially important consideration with today’s popular electronics products.
Perks
With competition among credit card issuers at an all-time high, many card companies have begun issuing bonuses to card holders who use the cards, a promotion that has proved to be exceptionally popular among consumers today. The more they use their cards, the more bonuses they can earn, including merchandise, hotel stays, cash, and more.
Directly as a result of these programs, the number of credit card users using their cards on a regular basis for all types of purchases has increased dramatically. Bonus for business owners: customers feel great about earning reward when they shop with you – yet those rewards cost you nothing.
Increase Your Profits
Of course, with a larger customer base, your profits are sure to grow. But there are other reasons to expect an increase in your bottom line:
- Consumers who use credit cards tend to make more expensive purchases than cash buyers, tend to shop more frequently, and tend to be repeat buyers with a greater degree of loyalty than cash buyers.
- Credit card users tend to buy more costly single items, which helps improve inventory turnover.
- Credit card users are much more likely to make impulse purchases than cash buyers, and those purchases are of a significantly higher value than those made by cash buyers.
Improve your cash flow
Unlike checks, which can take up to a week to clear, the proceeds from credit card sales are deposited into your business account at the end of business each day.
This also eliminates the risk of having funds stolen or misplaced before they reach the bank. What’s more, credit card transactions are approved before your business turns over its goods, unlike checks which may be returned for insufficient funds, leaving you without your goods and without your cash.
Merchant accounts are a simple way to improve your business. Sign up today and watch those improvements add up to a healthier bottom line.
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Latest Credit Repair Auctions
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Boost Your Credit Score by 135 Points
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Here’s How You Can Boost Your Credit Score By 135 Points Or More In Just 37 Days
Discover how to DELETE 30, 60, 90, 120, and even 150 day late-pays from your credit report virtually overnight!
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