Archive for March, 2012
Heritage Bank Wins National Customer Satisfaction Award
Posted by admin in Credit Score on March 30, 2012
Heritage Bank Wins National Customer Satisfaction Award
(PRWEB) March 21, 2012
Heritage Bank has outperformed a competitive line-up of Australian banks to top the nation in customer satisfaction ratings.
Canstar Blue today announced Heritage as the winner of the 2012 Challenger Bank award for the most satisfied customers. Canstar Bluer CEO Andrew Spicer presented the award to Heritage Bank CEO Mr John Minz in Toowoomba.
Heritage Bank received five prima ratings for overall satisfaction, branch service, call centre service, internet banking, products and services, problem solving and friendliness.
Heritage outperformed ING Direct, BankSA, Suncorp, ME Bank, Bendigo Bank, Bankwest, BOQ, St. George and Adelaide Bank to take out the award.
CEO Mr John Minz said: “Winning this national award for customer satisfaction is gratifying but not surprising.
“As Australia’s largest customer-owned bank, our whole focus is on providing the best banking experience possible for our customers.
“That means delivering a total package of products, service and price in a way that delights our customers.
The Canstar Blue award follows Heritage’s outstanding performance in Roy Morgan Research’s Consumer Banking Surveys, with a 97.1% customer satisfaction rating as at December final year.*
That was not only the highest main fiscal institution score in Australia, but also the highest Heritage has ever recorded in the survey’s 15-year history.
Mr Minz said those levels of performance were creating a new benchmark for banks in Australia.
“Since we changed our name to Heritage Bank in December last year, we’ve started setting new standards for customer satisfaction ratings among Australian banks.
“Our People first philosophy is what made us so popular with customers and placed so well compared to our competitors.”
About Heritage
Queensland-based Heritage Bank has been meeting its customers’ financial needs for more than 136 years. Heritage is now Australia’s largest customer-owned bank, with more than $ 8 billion in assets, 58 branches and 70 mini-branches across southern Queensland, and with offices servicing home loan customers via mortgage brokers right across Australia.
Heritage offers the full suite of banking products including home loans, personal loans, savings accounts, term deposits, credit cards, insurance, financial planning, business banking and foreign exchange. Heritage also offers members access to a network of more than 2900 ATMS around Australia.
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Exactly how do I get free credit reports from the 3 major credit reporting companies?
Posted by admin in Credit Reports on March 27, 2012
Question by sylvia1943: Exactly how do I get free credit reports from the 3 major imputing reporting companies?
I’m trying to help my step-daughter get the free credit reports which the 3 major credit reporting companies are suppose to provide. She can not find a phone number for any of the companies which is answered by a human. What must she do?Write them? If it can be done through the Internet, exactly which are the real websites?. Any and all help or suggestions are greatly appreciated.Thank youTony
Best answer:
Answer by imisidro
The easiest way is through Annualcreditreport.com http://www.annualcreditreport.comThis is the government mandated website where you can get ABSOLUTELY FREE credit report (won’t even ask for your credit card number) from the 3 credit report agencies. You can get 1 free credit report per year (but you can’t get credit score)
What do you think? Answer below!
How my credit score will be affected if I do the followings?
Posted by admin in Credit Score on March 24, 2012
Question by kalamNJ: How my credit score will be affected if I do the followings?
1. If I apply for a new credit card (visa signature) but cancel my old visa card? If my current credit score is 750, what will be my score after doing so?
Best answer:
Answer by SG Elite
Your credit score will be affected each time you apply for credit cards.
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Mercator Advisory Group Announces New Advisory Service: Fraud, Risk & Analytics
Posted by admin in Free Credit Score on March 21, 2012
Mercator Advisory Group Announces New Advisory Service: Fraud, Risk & Analytics
Boston, MA (PRWEB) February 17, 2012
Mercator Advisory Group, the leading, independent research and advisory services firm focused exclusively on the payments and banking industries, today announces the launch of the Fraud, Risk & Analytics (FRA) Advisory Service.
Data’s growing availability and abundance are shifting how risk managers and marketing leaders make technology choices, evaluate opportunities, and design programs. As data sources increase, the potential of data analytics to minimize fraud and risk expenses offers improved cost control in cost-sensitive areas such as debit card issuing and e-commerce retail.
The effectiveness of the analytics, however, is dependent on myriad technical and soft factors such as database technology, process integration, regulatory and industry compliance and shifting behavior patterns among fraudsters and legitimate customers. The need to critically evaluate such factors within a rapidly evolving environment led Mercator Advisory Group to develop the new Fraud, Risk & Analytics Advisory Service.
The Fraud, Risk & Analytics Advisory Service will focus on the use of analytics in controlling fraud risk in various payments products lines, uncovering new opportunities, monitoring developments that impact growth, and highlighting regulatory and technological imperatives affecting all stakeholders.
Principle focus areas of the Fraud, Risk & Analytics Advisory Service include:
Fraud detection, identity, and authentication
Risk mitigation
Data analytics
Social media, mobile data, payments, and privacy
Opportunities for growth/emerging markets
“Financial reputation based on credit scores is merging with the reputation of online identities and social data to develop fine grained risk management,” said George Peabody, director of the FRA Advisory Service. “That intersection raises the operational, policy, and privacy issues that are a major focus for Mercator’s new advisory service.”
Payments industry professionals in a wide range of business lines are increasing their use of broader data sets and analytical processes to achieve their market goals says David Fish, senior analyst of the FRA Advisory Service.
“Fraud and risk management operatives will find value in Mercator’s new advisory serving, as will executives across the organizations who are seeking insight and understanding of the implications of Big Data and analytics in a wider market context,” Fish said.
The first 2012 report of the new service, Card-Not-Present Risk Management Across the Value Chain, will be released this month.
For more information on Mercator Advisory Group’s new Fraud, Risk & Analytics Advisory Service visit: http://www.mercatoradvisorygroup.com/index.php?doc=Fraud_Risk_and_Analytics_Service
Please visit us online at http://www.mercatoradvisorygroup.com.
For more information and media inquiries, please call Mercator Advisory Group’s main line: (781) 419-1700, send E-mail to info(at)mercatoradvisorygroup(dot)com.
For free industry news, opinions, research, company information and more visit us at http://www.PaymentsJournal.com.
Follow us on Twitter @ http://twitter.com/MercatorAdvisor.
About Mercator Advisory Group
Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most moneymaking opportunities to maximize revenue growth and contain costs. Our clients range from the world’s largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal PaymentsJournal.com.
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
What is the best and most cost effective “pay” service to pull customer credit reports?
Posted by admin in Credit Reports on March 15, 2012
Question by seanhazen: What is the best and most cost effective “pay” service to pull customer credit reports?
We are an outsourced call center providing service support to a debt counsellor. We require a method to pull credit reports on those customers that ask for their services. We are looking for a legitimate pay service that is dependable, speedy, complete and cost effective.
Best answer:
Answer by Billie
contact the CRA’s directly and arrange an account.
What do you think? Answer below!
Inexpensive Auto-Financing for Those With Credit Score Troubles
Posted by admin in Credit Score on March 12, 2012
Inexpensive Auto-Financing for Those With Credit Score Troubles
Article by Mary Scores
Inexpensive Auto-Financing for Those With Credit Score Troubles——————————————————————————–Over the past few years, many consumers have been jilted for new car loans simply because their credit scores were too low. In addition, those experiencing financial difficulties with debt and unemployment were only able to qualify for interest rates that may have been too high for their monthly budgets.
Subprime borrowers traditionally fall below the 620 mark in the credit score range. Credit scores are figuring by assessing a borrower’s past credit history, current credit use, and other financial statistics — information that appears on the consumer’s credit reports.
Lenders generally view individuals in the subprime category as a high risk, and as a result, these consumers run to pay more for services such as credit cards, mortgages, and insurance policies. Over a lifetime, a low credit score can cost borrowers thousands of dollars in the form of higher interest rates and monthly payments.
During the credit crunch, many subprime borrowers were locked out of the credit system and denied loans, because banks and lenders attempt to protect themselves against risking by targeting mainly those with great credit for new offers.
However, a new report from auto industry leader Edmunds.com suggests that the outlook is changing for these consumers, who are now being approved for more loans on new-car purchases.
In addition, the report says these consumers may be able to get the same financing rates available to those with great credit scores, simply by going through dealerships rather than traditional lenders for an auto loan.
“There definitely is a changed marketplace,” Melinda Zabritski, director of automotive credit for one of the three major credit bureaus, told the news source. “We’re seeing a year-over-year increase in the percentage of loans that are booked in the subprime space.”
The average interest rate on a new car loan from a major lender currently hovers around six percent. By comparison, many dealerships are offering an average rate of 4.2 percent and, in many cases, near zero percent in order to persuade frugal shoppers to the marketplace, according to SmartMoney.
Those with good credit are also seeing added benefits. In November 2008, these borrowers could access a 60-month loan from a bank at an APR of 6.54 percent. In contrast, the same loan in December 2010 was made at an average of 4.35 percent, Edmunds reports.
One of the reasons these financing options are currently available is that many consumers have stopped making new-car purchases, given the state of the economy. As a result, those who choose to finance a vehicle are now seeing more payment flexibility than ever.
In part, this change is due to the fact that consumers have changed the way they finance their vehicles. Over the last year, auto loan delinquencies at major lenders have either plateaued or declined as individuals have been more apt to purchase a car in their price range.
To many in the industry, this signaled a shift away from pre-recession sentiment, when many consumers were simply making impulse buys that were often out of their price range.
In recent months, dealership loan programs have also expanded to incorporate a wider variety of brands and models from major automakers, which means these lower rates aren’t extended just to older vehicles. In some cases, consumers can get a 2011 Toyota Camry, which retails for about ,000, at these prices.
As a result, consumers may want to assess their current vehicles and contemplate upgrading to newer models, since these deals may not last long.
About the Author
FreeScore.com is a destination site for an increasingly credit-conscious public. The site offers immediate access to credit scores, reports and monitoring as well as educational information and tips on how to safeguard one’s credit and identity.
easybadcreditrepair.com Find out what is a good credit score and how it can either make or interrupting your finances. Many people are checking on their credit score and applying for loans, not wise there are a number of simple things you can do to increase your score.
How do I find out about free credit reports?
Posted by admin in Credit Reports on March 9, 2012
Question by : How do I find out about free credit reports?
How do I find out about free credit reports?
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V-Rooms Offers Free Services to Plaintiff?s Law Firm in IntraLinks Class Action Lawsuit
Posted by admin in Free Credit Score on March 6, 2012
V-Rooms Offers Free Services to Plaintiff’s Law Firm in IntraLinks Class Action Lawsuit
Atlanta, GA (PRWEB) February 07, 2012
V-Rooms is offering to provide free Legal Client Portals to Rigrodsky & Long, P.A., a Delaware law firm representing investors in Thaler v. IntraLinks Holdings, Inc., C.A. No. 11-CV-9528 (S.D.N.Y.), a security class action lawsuit against IntraLinks Holdings, Inc. who endured a big fiscal loss resulting from the purchase of shares of IntraLinks. IntraLinks shares folded at $ 6.93 on Friday, (2/3/12) having fallen from a 52-week eminent of $ 32.25. Additionally, V-Rooms is offering a 10% discount on unexampled V-Rooms accounts to past IntraLinks clients and current IntraLinks clients upon the expiration of their current agreement with IntraLinks.
V-Rooms continues to achieve high marks for customer service, having recently received an A+ rating in a survey of their current and past clients using the Net Promoter Score methodology developed by Fred Reichheld, author of The Ultimate Question. This method is based upon how likely a customer is to refer your company’s service to a colleague or friend.
“We are proud of the response that we received from our customer satisfaction survey as we provide an affordable, feature rich virtual data room platform which may be used to meet the needs of our clients for a range of client portal, vendor portal and board portal requirements.” said Dan Bradbary, CEO of V-Rooms,” Also, we continue to be impressed with how popular our automatic credit card monthly payment program has become. Along with no set-up fee, our clients enjoy and often select this flexibility due to the fact that there is no long term commitment.”
What people are labeling as cloud computing is the ability and convenience of storing, accessing and sharing information outside their organizational firewalls. Especially in the legal business, sharing documents in a safe, secure, auditable manner outside a firm’s firewall is mission critical. The unsecure transfer of information the old way – email, courier, and fax – is being replaced by innovative solutions, like V-Rooms, that securely deliver information instantly to one or many recipients by using a centralized document repository, an important feature especially for class action lawsuits.
About V-Rooms:
V-Rooms provides a cloud-based, customizable virtual data room (VDR) solution that is designed to streamline document management, collaboration, exchange and archiving for financial, legal and corporate professionals. The V-Rooms Software-As-A-Service (SAAS) secure record portal facilitates the secure changing of sensitive information providing compliant and auditable transactions. V-Rooms enable the acceleration of complex, information-intensive processes while reducing the time and expenses associated with data distribution, courier, printing and travel. Additional information can be found at http://www.v-rooms.com
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Is there a central location to view and print all three of your credit reports?
Posted by admin in Credit Reports on March 3, 2012
Question by ~just.me~: Is there a central location to view and print all three of your credit reports?
From Transunion, Equifax and Experian? I need copies of all three, but each you must pay 14 to 30 dollars EACH for. Is there one place I can pay One fee and get all of the TRUE reports. I need to dispute a few things on my credit, but I already viewed my free credit reports around 6 months ago, and I am not eligible to view for free.Yes, I already went to annualcreditreport.com and got my reports around 6 months ago, so they no longer let me in. Should I wait until I am eligible again to view for free, and then do my disputes? I just don’t understand my I have to pay for my reports and send them in to the company I got the report from in order to file a dispute.
Best answer:
Answer by finance_loans
www.annualcreditreport.comThis is the government mandated website. You can get allthreeof them for free. Once a year. There is no sign up or cost. They have to give you your report free once a year.UPDATEIf you know what you are disputing just dispute them. When you dispute something they will send you an answer saying why they took it off or why they didnt. You get the credit report either way.
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