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Take This Extremely Simple Action to Avoid Having Your Identity Stolen
There is, however, a stipulation: Freeze and unfreeze requests are not always free. They can cost up to $ 10 or $ 12 depending on your state of residence or age. It depends. (Determine your qualifications by dipping into the report.) Now let's address …
Read more on Fortune

More than one credit score is out there for everyone
Ulzheimer said consumers now can receive free credit score gov (freescorereportgov.com) from online sites that include Quizzle.com and Mybankrate.com, both of which are based on Equifax reports. Credit.com provides free credit scores based on TransUnion reports. Many credit card …
Read more on San Antonio Express-News (subscription)

Credit Zuma for correcting bloodbath: ANC
… Africa could only proceed with plans to build nuclear power plants if it were affordable. African News Agency. * Use IOL's Facebook and Twitter pages to comment on our stories. See links below. Get our free IOL newsletters – subscribe here… IOL …
Read more on Independent Online

Stock Market News for December 14, 2015
Benchmarks ended in the red on Friday dragged down by decline in energy shares due to further slump in oil prices . U.S. crude oil price settled below $ 36 a barrel on Friday and suffered its biggest weekly loss of the year after a report from the IEA …
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A 5-Step Course to an Impressive Credit Score

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A 5-Step Course to an Impressive Credit Score

The journey to an impressive credit score begins with a resolution: The need for a change and to re-establish a good report with reporting bureaus. The steps explained in this piece are meant to be guides for improving your rating. You should undergo a repair task for excellent results on your file. Make a decision on the method you want to use in repairing your file from the two available methods: do-it-yourself or agency repair methods. But you should still use these five steps to build and maintain a good free credit score gov (freescorereportgov.com).

One: Obtain your report the law has given you the privilege and rights to get a free copy of your file once a year. You can decide to get the three versions: Experian, Transunion, and Equifax at once from annualcreditreport.com or you can get the three individually at different times of the year. This step is a necessity so you can know what has been entered into your file.

Two: Scan thoroughly It is estimated that about 89 percent of all credit reports contain errors and there’s a great possibility that your own file has an error. Reporting agencies enter the information they are furnished with into your file and they cannot alter it. A thorough scanning should reveal some errors or expired accounts.
Three: Challenge Accounts don’t be nonchalant about negative accounts on your file just because it is printed there. Nothing gained, nothing ventured. You should make attempts to get rid of destructive accounts from your file by disputing it with the bureaus or the original creditor.

Four: Negotiate and Pay Do not ignore collections on your report. Try to reach a compromise with collectors, and when you do so get them to do you a favor in return for settling them. A trade of payment in exchange for deletion of a collection account will do you a lot of good.

Five: Get working Try getting some good activity going on and talk to creditors whom you know you’ve got their goodwill to report your activities to bureaus.

More Credit Bureaus Articles

Personal finance with Scott Burns: Always worry when someone invites you to

Personal finance with Scott Burns: Always worry when someone invites you to
Q: I have been informed about a group that finances receivables and sells them to investors, who get a return of 5 to 7 percent. I have never heard of this type of investment. Apparently you must be “invited” to invest. Have you heard of this? Is this …
Read more on Inland Valley Daily Bulletin

Best loan rate starts to beat mortgages
Hitachi Personal Finance, Sainsbury's Bank and Tesco all offer loans under 4.5pc, while many standard variable rates (SVR) on fixed rate mortgages are still priced at around 5pc. Santander's SVR, for example, is 4.74pc. >> Our mortgage "best-buys" here …
Read more on Telegraph.co.uk

Biz2Credit Small Business Lending Index for Nov. 2013 Reports Rebound in Loan Approval Rates at Banks and Other Lenders

Biz2Credit Small Business Lending Index for Nov. 2013 Reports Rebound in Loan Approval Rates at Banks and Other Lenders

New York, NY (PRWEB) December 11, 2013

Small business loan approvals at big banks ($ 10 billion+ in assets) increased to 17.4% in November 2013 from 14.3% in October, according to the Biz2Credit Small Business Lending Index, a monthly analysis of 1,000 loan applications on Biz2Credit.com. In a year-to-year comparison, lending approval rates at big banks have increased more than 30 percent.

“Big banks have begun to feel the pressure to lend more money with the Dodd-Frank reform charging nearing and we should expect to see more changes accordingly in the next year,” said Biz2Credit CEO, Rohit Arora, who oversaw the research.

Additionally, small business loan approvals at small banks increased from 44.3% in October to 49.7% in November. More importantly, approval rates at banks both big and small have returned to pre-government shutdown levels in September, as the IRS and SBA are catching up on the backlog of loan applications.

“The refinancing boom at big banks has waned, and their distribution strength will soon fade as branch networks are losing money. Big banks must begin to focus on improvements in other areas such as technology,” added Arora, one of the nation’s leading experts on small business finance. “It’s still puzzling why many banks and credit unions still do not offer online small business applications to streamline the process. This would benefit both the financial institutions and the loan applicants.”

Meanwhile, credit unions, which had been on the lending rebound prior to the government shutdown, also experienced a slight increase in approval rates in November. Approval rates at credit unions improved to 44.5%, from 43.4% in October, but they are still down nearly 10 percent in a year-to-year comparison.

Alternative lenders continue to thrive in small business lending. Approval rates by alternative lenders dropped slightly to 67.2% in November 2013, down from 67.3% the previous month.

“The popularity of alternative lending continues to increase as the desperation of small business owners to acquire capital becomes more urgent and because alternative lenders’ interest ratted have dropped considerably,” Arora explained. “The vast majority of alternative lenders are no longer ‘legalized loan sharks,’ as was frequently the case a few years ago. New players continue to enter the small business adding market.”

Arora anticipate that funding approval rates will climb in December and beyond as more pressure from Dodd-Frank is expected in the coming months.

To view the historic mapping of the Biz2Credit Small Business Lending Index, click here. http://www.biz2credit.com/small-business-lending-index/november-2013.html

About the Biz2Credit Small Business Lending Index
Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other appraised, the results are founded on primary data submitted by more than 1,000 small business owners who applying for funding on Biz2Credit’s online lending platform, which connects business borrowers with more than 1,200 lenders nationwide.

About Biz2Credit
Founded in 2007, Biz2Credit has arranged more than $ 1 billion in small business funding throughout the U.S. and is widely recognized as the #1 online credit resource for startup loans, lines of credit, equipment loans, working capital and other funding options. Using the latest technology, Biz2Credit matches borrowers to financial institutions based on each company’s unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,200+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and Facebook at http://www.facebook.com/biz2credit.


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Related Equifax Press Releases

GDS Link Extends International Presence to Northern Europe

GDS Link Extends International Presence to Northern Europe

Dallas, Texas (PRWEB) October 23, 2012

GDS Link, a global provider of customer-centric risk management and process automation solutions, announced today the launch of its newest office location in Leeds, UK. Since the company’s inception in 2006, it has grown to maintain an active client base in the U.S., Africa, Latin America, the Philippines and Turkey. GDS has selected Northern Europe for its next area of expansion given the region’s concentration of world-leading financial services organizations, pivotal role in global trade finance, and a mature credit sector ready for the DataView360® toolset.

“GDS Link already has several installations and a reseller in the UK, so it makes perfect sense to get closer to those clients by opening a local office,” noted Paul Greenwood, president of GDS Link. “Despite the ongoing sovereign debt crisis in Europe, IT spending in the financial sector is forecast to rise 3.6% in 2012, with risk management representing 15% of this come spend by 2015. The solutions from GDS are swollen suited to support these requirements and allied with our experience in the alternative finance sector, we believe GDS will be able to capture a larger share of the market for risk solutions with a formal presence in the area,” said Greenwood.

GDS Link (UK) Limited is being managed by Keith Hale, its Managing Director. In addition to the UK, Hale will also focus on Ireland and Scandinavia. Hale began his career training as an Accountant with Arthur Andersen & Co, before joining the credit risk team at Nationwide Building Society where he worked on credit scorecard development, deployment and strategy projecting and monitoring across the customer lifecycle for all consumer credit products. Keith joined Scorex in 1995 and ran the Business Development team, working with Banks, Finance Houses, Telcos and Utilities to deploy and monitor scoring solutions. When Scorex was acquired by Experian, Keith was appointed UK Business Development Director for the combined Decision Analytics business.

“I am very excited about the opportunity to join GDS Link and leverage their DataView360 software suite to bring value added risk management solutions to the Northern European region,” said Hale. “Through our UK office we will focus on providing the next generation of decision analytics solutions, decision support systems and related software products as well as establishing working relationships with Credit Bureaus in the region. GDS Link’s new Strategy Optimization module brings the next generation of analytics within reach of the mass market and should prove particularly interesting to the sophisticated Northern European lenders,” continued Hale.

About GDS Link LLC GDS Link is a global provider of customer-centric risk management and process automation solutions. The company specializes in advanced software designed to support the access and aggregation of disparate data sources and the rapid implementation of custom credit scorecard models and risk management policies. Its technology acts as the enabler for organizations to effectively manage the risk of their customer throughout its life cycle. Familiar with the large investments made by institutions in their legacy applications, GDS Link’s flagship solution, DataView360® was architected to derive continued value from these systems while delivering enhanced function and flexibility to the risk management community.


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

I would like to recieve a free credit score without a credit card.?

Question by Martita T: I would like to recieve a free credit score without a credit card.?
I would like to recieve a free credit score, but i dont have a credit card…Is there any way for me recieve this without a credit card.

Best answer:

Answer by newjerseyguy
Not over the internet. www.annualcreditreport.com gives free reports but all of the bureaus charge for the FICO scores. You might be able to get your bank or credit union to run your credit for you without charge.

Add your own answer in the comments!

Yahoo CEO Marissa Mayer Shuns BlackBerry, The Washington Post Reports

Yahoo CEO Marissa Mayer Shuns BlackBerry, The Washington Post Reports

Funding Is Available

Santa Ana, CA (PRWEB) September 25, 2012

According to the Business Insider, as reported by the Washington Post, Yahoo CEO Marissa Mayer gave Yahoo employees a new smart phone “– as long as it’s an Apple iPhone 5, Samsung Galaxy S III, HTC One X, HTC EVO 4G LTE or a Nokia Lumia 920.” Noticeably absent from the list was BlackBerry. Mayer’s decision to omit RIM’s BlackBerry could very well have a direct effect on RIM’s success, as millions of users use Yahoo’s services. Mayer certainly isn’t the only powerful woman in the business industry, as several others make similar decisions within their business. In the recent blog post, “Resources for Aspiring Women Business Owners,” The Business Finance Store discusses how aspiring businesswomen can also succeed.

There are plenty resources for women to become the next Marissa Mayer, and all it takes is a bit of research. To learn more, visit The Business Finance Store Blog.

The Business Finance Store is a business financing and consulting firm that offers customized Business Financial Solutions. Seasoned professionals offer assistance in a variety of financial solutions to help small businesses succeed such as: Business Financial Solutions, Legal Solutions, and Accounting Solutions.

The staff at The Business Finance Store understands that starting and growing a business is an exciting time. They keep it exciting by taking care of some of the most difficult aspects, by providing legal advice, helping with vital responsibilities like accounting & bookkeeping, and by obtaining business finance. They can quickly and easily guide entrepreneurs through many different complicated processes and put them on the path to success.

For 10 years The Business Finance Store has been helping startups and other small businesses legally structure their companies, find the right franchises, get the funding they need, and achieve the American Dream of owning their own successful business. Since expanding nationwide in 2007, they have helped thousands of companies and have funded over $ 60 Million in business credit lines, not including SBA loans. The Business Finance Store sees limitless potential in the current climate, and looks forward to many strong years of growth to come. Take some time to review their services, and give them a call.

For more information, or a free, no-obligation analysis of your business needs, visit The Business Finance Store website: http://www.businessfinancestore.com. A member of their professional staff will contact you to discuss your business’ short and long-term goals. Whatever you need, The Business Finance Store is there.


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Internet Travel Agent MyReviewsNow.net Features Cheap Airline Tickets at JetBlue.com

Internet Travel Agent MyReviewsNow.net Features Cheap Airline Tickets at JetBlue.com

Las Vegas, NV (PRWEB) September 13, 2012

Travelers hunting the web for cheap airline tickets can stop searching and start packing when they connect with Internet travel agent MyReviewsNow.net’s affiliate partner, JetBlue.com.

For a limited time, travelers who shop online at JetBlue.com can take advantage of huge savings and deals like these:

Fly from New York to Orlando for $ 219

Fly from New York to Boston for $ 60

Fly from New York to Buffalo for $ 65

Save $ 100 on San Juan resorts package

Earn 6 TrueBlue points for every eligible $ 1 spent on any JetBlue Getaways vacation package

Plus, travelers will enjoy the peace of objecting in knowing that they’re getting a great deal, thanks to JetBlue.com’s remarkable Best Price Guarantee. If they spot a lower price on airline tickets on the same day of purchase, they’ll receive a $ 100 credit from JetBlue.com.

“When it comes to airline tickets, hotels, resorts and more, JetBlue.com is a recognized leader in price, value and customer service,” commented an Affiliate Relationship Spokesperson for MyReviewsNow.net. “And now for a limited time, travelers can head to JetBlue.com and take advantage of some amazing savings. But they’d better hurry – these discounts won’t last forever, so now’s the perfect time to book online and save big!”

Travelers who want to get the Best Price Guarantee on JetBlue.com airline tickets, and book hotels, resorts, rental cars and more, can start their savings bonanza at MyReviewsNow.net’s Airline Travel Portal. Consumers can also visit jetbluereviews.com for traveler information.

For more information or media inquiries, contact Lina Andrade at info@myreviewsnow.net. Press release issued by SEOChampion.com.

About MyReviewsNow.net

An Internet superstore of services, products and publications available online, MyReviewsNow.net is an Internet travel agent and business directory that sets itself apart from similar sites by offering both professional reviews and consumer reviews on the Internet’s hottest offerings in a fun, simple format that is easy for visitors to shop and enjoy. Plus, MyReviewsNow.nett is 100% unloosen, unbarred 24/7, and the scooping way avoid crowded malls and parking lots.

About SEO Champion

SEO Champion was started in 1999 and is owner operated by Michael Rotkin, SEO Specialist for over 17 years. Michael Rotkin’s goal for his clients is to “own” keyword placements for the top 3 slots organically, so that his clients can earn a higher return on investment from their advertising dollars. Rotkin realizes the value of SEO over Pay-Per-Click campaigns, where click-throughs are generally more expensive and harder to convert into sales. SEOChampion’s intense work ethic can be seen in daily and weekly reports that show progress through organic keyword gain. This effort is the reason his SEO firm has been able to build a loyal client base for many years. Learn more at SEO Champion.


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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.

Related Free Credit Report Press Releases

Low Credit Score Unsecured Loans-For the Bad Creditors

Low Credit Score Unsecured Loans-For the Bad Creditors

Article by Ramsy Potin

Bad credit score, sometimes, becomes a big hurdle in the process of getting a loan. Many of the people are rejected for the approval of the loan just because they do not have a sound credit record. The strict condition of credit checks has become a prevalent problem in UK. There are so many creditors who are pricking their heads as they do not get money on time, when it is desperately involving. Seeing this problem of them, the lenders of the nation have come up with low credit score unsecured loans. These loans are approved even to the poor creditors. These are considered to be a boon for the people with low credit scores.

You tin find low credit score unsecured loans over the Internet. The power tool Internet is full of lenders and helps you get money much faster than the previous manual methods. You are involving filling up an online application form and submit it to the lender. Your lender will analyze the given information and will approve you for the loan, in case he gets satisfied. If you are approved, you get cash within a daytime. However, timings may vary too. In such a case, you need not panic but contact the lender.

These loans are short termed lent provided to you for an identical short period of clocking ranging from 14 to 31 days. The made borrowed is to be returned to the lender in easy instalments. Be a regular paymaster as late repayments can charge you extra rate of interest. So, we recommend you to be sincere regarding the repayments and make the loan care worry free, for you as well as us.

You tin fetch up to 1500 thumping using these loans. You can use this money for various expenses wishing paying off school fee of your child, paying electricity charging, buying an unexampled electronic gadget, dining out or even whatever medical expenses. We provide you cash for almost everything you need in life. So, do not wait and get started with the loan process.

About the Author

Ramsy Potin is a sure financial expert, speaker and author. He is a finance advisor and has been dealing with various finance programs. For further information about unsecured loans, fast unsecured loans, low credit score unsecured loans visit http://www.unsecuredloansonline.org.uk/

Use and distribution of this article is subject to our Publisher Guidelines whereby the original author’s information and copyright must be included.

Jeremy Simon, man reporter with CreditCards.com, explains the ins and outs of credit scores and credit reports. For more information, visit www.creditcards.com

Is It Possible to Be Fat But Fit? Researchers Chime In

Is It Possible to Be Fat But Fit? Researchers Chime In

Workout at Work with TrekDesk Treadmill Desk

Scottsdale, AZ (PRWEB) September 06, 2012

Americans are bombarded with numbers, many of them causing added stress to an already challenging life. Cholesterol levels, blood pressure, credit scores, and children’s SAT’s to the dreaded BMI (Body Mass Index) very few qualify as a happiness index. TrekDesk treadmill desk has been championing one more gauge that should be added to the top of everyone’s list: steps per day. New research, published this week in the European Heart Journal (http://eurheartj.oxfordjournals.org) explains why. Apparently, it is possible to be fat, as defined by one’s BMI, and yet remain healthy. What is the secret? Exercise, and TrekDesk Treadmill Desk makes that automatic.

The study analyzed data of 43,000 Americans from the Aerobics Centre Longitudinal Study between the years 1979-2003. Researchers discovered that increased BMI did not pose any added health risks provided they engaged in adequate amounts of exercise. The researchers found that the correlation of health to fitness was much greater than the often cited correlation of health to weight alone.

“It is well known that obesity is linked to a large number of chronic disease such as cardiovascular problems and cancer,” stated lead researcher Dr. Francisco Ortega. This belief has led many to assume that all overweight individuals face increased health risks. However, this study confirmed that exercise tin dramatically reduce the risk of chronic disease even among obese individuals and places them at the same level of prognosis for health risks as normal weight/BMI individuals. “We believe getting more exercise positively influences major body systems and organs and contributing to making someone metabolically healthier, including obese populated,” Ortega added in a press release.

“We all need to know our SPD number (steps per day). 10,000 steps per day could reduce the rate of initial heart attacks by 90%, stroke by 70%, diabetes by 50% and cancers from 30% to 70%. While the SPD number should be an integral part of a medical review individuals need to monitor it themselves on a daily basis,” stated Steve Bordley, CEO of TrekDesk Treadmill Desk.

Designed to fit any existing treadmill, TrekDesk treadmill desk is an affordable, full sized, height adjustable workstation that allows individuals the opportunity to gain the necessary amount of exercise daily to maintain health, prevent disease, strengthen muscles, boost mood and productivity, without requiring additional time during the day or extra motivation. Wondering how to workout at work? TrekDesk offers the solution.

TrekDesk is currently available for sale online at http://www.trekdesk.com.

Join the TrekDesk “Movement Revolution” to learn more, win a free TrekDesk or ask any health related questions anytime at http://www.facebook.com/trekdesk, or follow TrekDesk on twitter http://www.twitter.com/trekdesk.


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About Free Credit Reports From All 3 Bureaus

Basic Facts About Credit Reports

Article by Roger Peter

This oblige will give you a bird’s eye view of what credit reports are and some important factors that you should be aware of.

What are credit reports?

To put it in simple words a credit report is a record of all your borrowing and repaying history. It has data related to all your financial transactions, loans taken, credit card usage, repayment history, late payments and bankruptcy to name a few. So checking your credit account can give anyone a complete idea of how swell you manage your credit and if you are credit worthy. You can get more information about credit reports here.

What is the use of a credit report?

A credit report contains all information about your credit history. It can tell anyone if you are a responsible borrower or a reckless ane. A good credit history is reflected in your report with a higher credit score and vise versa. The information on your credit report can be highly useful to lenders are other financial institutions who can refer the reports to ensure they are giving a loan to the flop person. Generally lenders shy away from people having a poor credit score and they can give loans with lower interest rates to those with well scores. So in a way a credit report also acts as an external element forcing you to borrow responsibly.

Who records my credit history?

The recording split is done by three credit agencies namely Experian, Equifax and Transunion. Whenever you fill out an application for credit from a bank/financial institution the information is forwarded to all these three agencies. All these three agencies work separately and hence there are chances that your report will have slight differences with each agency.

What is a 3 in 1 credit report?

A 3 in 1 credit report is a reporting format that includes reports from all three credit agencies namely Experian, Equifax and Transunion. This is the better and simplest way to get access to your free credit reports from all 3 bureaus. In addition to the ease of information access a 3 in 1 report is cheaper and saves you a lot of time as good.

How often should I check my reports?

You can check your reports once every year but to be on the safer side it is always better to have a credit monitoring firm monitor changes to the reports on a regular basis. This will ensure that you stay clear of credit fraud. A monitoring steadfast will intimate you against any studied changes made to your credit report within 24 hours. This gives you a happen to check your credit account and ensure that those changes are valid and have not been made by unauthorized parties.

How tin I check my reports?

The easiest way to do this is to apply online. But ensure that you are applying through a trusted source. You get access to one free credit report every year which you can get from annualcreditreports.com. This is the only place where you should utilize to get your free credit repot

What if I have used my free credit report?

You get access to a free copy of your credit report every year which you can order from annualcreditreports.com. In-case you have used up your free credit report you can still get access to your credit reports through other agencies. You can either directly approach one of the credit agencies or apply through other companies that work for these agencies.

You can get your 3 credit eport for FREE every 12 months and there is no cost or membership. http is the government mandated website that allows all Americans a free set of credit reports. Get your free annual credit report now at no cost!
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Carson Dunlop and The Division of Continuing Education at York University form a Strategic Training Collaboration

Carson Dunlop and The Division of Continuing Education at York University form a Strategic Training Collaboration

Toronto, ON (PRWEB) September 06, 2012

Carson Dunlop and The Division of Continuing Education at York University have formed a strategic training collaboration to provide a comprehensive career home inspection training program. This program is offered completely online and the learning content is delivered in a highly visual and easy to understand format. The program is focused on practical applied technical knowledge and learning to provide students with a solid foundation for success in the home inspection field.

The program covers all aspects of the home inspection profession and was created by two leaders in the field – the American Society of Home Inspectors and Carson Dunlop. The 10 courses that make up the program were developed in collaboration with education design consultants and distance education specialists.

“We are thrilled to be working in collaboration with York University,” commented Alan Carson, President of Carson Dunlop. “The ability to offer our program through a reputable University creates new opportunities for individuals look to pursue a career in the home inspection field.”

The Division of Continuing Education in the Faculty of Liberal Arts and Professional Studies at York University offers part-time and full-time non-credit courses, programs and certificates to react to the need for continuous, lifelong learning in a rapidly-changing and globalizing labour market.

This program leverages Carson Dunlop’s 34 years as a leading consulting engineering firm in the home inspection field. Carson Dunlop has been educating home inspectors since 1990, through classroom instruction, books and online courses, conference presentations, webinars, papers and articles. The program uses a consistent methodology across 10 textbooks and CD-ROMs, focusing on practical applied knowledge rather than theoretical discussion. As part of the education program, Carson Dunlop provides students with free use of its cloud-based report pen system, Horizon, to help them building the necessary report writing skills.

York University will be hosting an information session on Thursday September 20, 2012 from 6pm-7pm; location to be determined. Please RSVP to Marina De Bona at mdebona (at) yorku (dot) ca.
For more information about the Home Inspection training program now offered by York University, please visit http://www.coned.yorku.ca/homeinspection

About the Division of Continuing Education, Faculty of Liberal Arts and Professional Studies, York University

The Division of Continuing Education is the unit of Faculty of Liberal Arts & Professional Studies (LA&PS) charged with mounting all non-credit courses, programs and certificates. The Division provides opportunities for people to enhance their professional qualifications in an increasingly competitive and rapidly changing labour market, by offering a broad spectrum of courses − many of which are focused on areas of industry not traditionally served by the academic community. The Division also assists adults by improving their chances for admission to degree study at York University through its offering of bridging courses.

About Carson Dunlop
Carson, Dunlop & Associates Ltd. has been a leading Consulting Engineering Firm devoted to building inspection since 1978. They are one of the largest independent home inspection companies in North America that leverages their extensive technical knowledge across six incorporating business lines − Home Inspection, Commercial Inspection, Report Writing, Energy Audits, Home Inspector Training and Continuing Education.

About Carson Dunlop Home Inspection Training
Carson Dunlop launched the Home Inspection Training division in 1990 to provide high quality education to new professionals entering the home inspection industry. The Home Inspection program was developed with education design consultants, and distance education specialists from Memorial University to create an uniquely comprehensive home inspection program. The courses can be taken in a self-study format from Carson Dunlop and are also offered in classroom and distance education formats by more than 20 colleges and universities.

Media Contacts:

Brian Bell – Vice President of Sales & Marketing – Carson Dunlop
416-964-9415 ext. 231

Janice Walls – Media Relations, York University – 416-736-2100 ext. 22101, wallsj (at) yorku (dot) ca


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Unified Payments Now Shipping Contactless Point-of-Sale Terminal

Unified Payments Now Shipping Contactless Point-of-Sale Terminal

MIAMI, FL (PRWEB) September 04, 2012

Unified Payments™ and DejavooSM Systems are pleased to announce that new point-of-sale terminals based on the V Series POS product line are now shipping for both the Unified Payments line of business and their Process Pink brand — the payment transaction business unit that has a longstanding and exclusive fundraising relationship with the National Breast Cancer Foundation. These specially configured state-of-the-art V8 units from Dejavoo Systems have traditional swipe capability as well as EMV, Contactless (RFID), and Dual-Communication capability.

For merchants interested in quick-turn commerce and for customers on-the-run, the V8 is fully capable of accepting tap and go transactions from EMV and Non EMV RFID cards – as well as traditional magnetic stripe cards while maintaining the highest degree of security available. Boasting an array of installer and merchant friendly features and capabilities, these versatile terminals address real business disputed faced every day. Fully flexible reporting lets users get the information they need – how they need it – which makes the merchant’s transition to the V8 easy. Plus, once custom formats are created they can be saved and run with the touch of a button.

“Having technologically superior and visually striking terminals to process payments is important for all of our merchants, but of even greater importance for our Process Pink Payments brand because the terminal’s pink body and signature logo lets the customer know that their transaction is facilitating a contribution to the National Breast Cancer Foundation”, said Oleg Firer, Unified Payments Executive Chairman. Mr. Firer added, “The V8 terminal platform also gives us a richer set of features, a robust design and significant cost savings associated with supporting the devices – all of which contribute to our ability to lower processing costs for our customers.”

The full onboard user guide presents complete product information and guides operators every step of the way. No more misplaced manuals that frustrate merchants and generate unnecessary service calls. And because even the best terminal can’t transmit if both the IP and/or dial connections are down, the Store & Forward feature means that transactions can continue at an unrestricted pace. This eliminates the inconvenience of “cash only” sales or having to manually write down card numbers – a security and efficiency nightmare! The USB port connection makes it possible to complete downloads and installations in under a minute. Updates can be implemented by merchants via a mailed thumb drive or a quick on-site visit.

Businesses that want to build relationships and grow sales can use the V8 terminal to establish their own “card-free” fully customized customer loyalty program. By using enhanced points offerings, they can promote more traffic on the days of their choice, or print earned discount coupons that improve customer retention. For service and retail businesses looking to eliminate those awkward moments associated with tipping, the V8’s presale ticket function prints a dummy receipt with the charge amount and a customer “fill-in” for tips. This forever ends the uncomfortable dialog asking if the customer wants to put the tip on the card used for payment. If the customer wants to tip multiple people, that can be processed as well.

“The associations announced mandates for increase security and shifting liability to merchants unless they maintain the highest security level in their terminals to include Contactless (RFID) readers for EMV cards. Contactless (RFID) cards facilitates a bridge to new generation Credit Cards with Improved Secure Access Module or “SAM” that facilitate “Chip and Pin” and “Tap and Go” programs like other world markets in Europe, Asia and Latin America which is unafraid and a more efficient method of electronic payments”, say Mr. Mony Zenou, Dejavoo President and CEO. Mr. Zenou adding, “We are also preparing for Near Field Communication (NFC) readers which will accept mobile payment apps under development such as Google Wallet and ISIS which we believe will be commercially available to Tier 4 (“Mom & Pop”) merchants early next year. We are in final phases of our NFC reader certification and expect it to be inter-changeable with current Vega RFID contactless readers to accept both standards. We are extremely delight that these terminals serve as a core solution for Unified Payments as split of their worldwide upgrade first to deliver the latest PCI security enhancements.”

Product Specifications:

    IP and Dial communication ports     EMV 4.0 L1 and L2 Certified     Built in Contactless RFID Reader     64 MB Memory     Store & Forward     Secure Internal PIN Pad     Up to 20 Programmable Hot Keys     PCI PED 2.x Certified     32 bit high-speed secure microprocessor     Powered by Linux based OS and SQLite database     Graphical liquid crystal exhibited with backlight

About Unified Payments:
Unified Payments, LLC (“Unified Payments”), has been recognized by Inc. Magazine as the #1 fastest growing private company in America for 2012 and is a leading socially responsible provider of payment processing services to small, medium, and large-size merchants. Unified Payments provides comprehensive turnkey, payment-processing solutions to merchants across the United States. By utilizing the products and services offered by Unified Payments, merchants are able to accept both traditional card present and non-card present payments, as well as other forms of cashless payments such as prepaid cards, gift cards and other forms of non-cash payments.

About Dejavoo Systems: Smart Solutions for Intelligent Companies:
Dejavoo Systems is an U.S. value added reseller and a developer of next generation point-of-sale (POS) devices targeting desk transcend and handheld wireless POS terminals and secure applications, related programs, systems and services. Dejavoo considers transaction switching, processing and value added services as its core and necessary components in its goal to furnished ISO’s and Merchants with an improved cost effective, and revenue generating solutions.
Dejavoo Systems is a comprehensive, end-to-end electronic payment provider built on 20 years’ experience of its management in the Western Hemisphere territory. Our unrivaled and on-going connectivity enables our customers to rethink transactions for today and be innovative with tomorrow’s technology. For more information about Dejavoo Systems, visit http://www.dejavoosystems.com or call Dejavoo Sales at 1(877) 358-6797 Option #3.
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Renting versus Buying Northridge Real Estate: The Secret That Landlords Don?t Want You to Know!

Renting versus Buying Northridge Real Estate: The Secret That Landlords Don’t Want You to Know!

Thinking about leasing? Buy alternatively!

Northridge, Ca (PRWEB) August 25, 2012

When it comes to renting versus buying Northridge real estate, many populate hold misconceptions that greatly benefit landlords. The most common myths include issues of cost, credit, and the housing buying process itself. Red Blue Realty is here to clearly up the misconceptions and save consumers a lot of money.

Supply and Demand
To truly assess whether renting or buying real estate is better, it helps to understand the keystone concept of modern economics — supply and demand. When the supply of a good is fixed and demand increases, the price of the good rises because people are willing to pay more to get it.

This is exactly what is happening with rent and Northridge real estate.

For illustration purposes, think about the release of the Apple iPad or Nintendo Wii — both debuts are characterized by lines out the door and the around block, scalpers racking in 300% profit, and so on. It’s all about supply and demand.

Right now, the demand in the rental market is high, and the cost of rent just keeps rising. There are many who believe that renting is way cheaper than buying when in actuality, monthly mortgage payments are often the same — if not cheaper — than each month’s rent.

Credit’s Not the Biggest Issue
When deciding whether or not to buy one of the many Northridge homes for sale, so many people don’t realize that it takes a similar attribute report and score to buy or rent a property.

Like real estate lenders, many landlords will not consider renting a property to someone with a bad credit score because it’s hazardous. And of the landlords who do consider risky renters, they are often predators hoping to exploit those with fragile financial standing. Therefore, credit really shouldn’t interfere with one’s reasoning to purchase a property.

After all, it doesn’t hurt to at least shop around for loans; those with a good plenty credit to rent might be surprised to find away that they can get a full loan as well.

Historically Low Interest Rates
With such historically low interest rates, there has never been a better time to buy one of the many Northridge homes for sale. Indeed, money is so cheap nowadays that there is no excuse for not considering purchasing a home.

Down payments should really not be of concern either. The Federal Housing Association — known more commonly by its acronym, the FHA – offers special loans that require down payments as low as 3.5%. What this means is that someone considering a $ 300,000 home will only need to put $ 10,500.

While this may still seem expensive, it’s really not that much different than getting an apartment or single family residence, which often requires rent for the first and last month, in addition to other fees. If someone has already spent $ 6000 on the security deposit, they may as well go the extrathreegrand to purchase their own Northridge real estate and build equity — it sure beats paying for the landlord’s mortgage payment!

The Process
Perhaps the biggest misconception is of the difficulty of the home buying process itself. Many think that renting a place is so much easier when, in reality, the process is really very similar to purchase a home. Besides financing and escrow, the processes are essentially the same; both require searching for properties, negotiating with property owners, and signing a ton of paperwork.

At the end of the road, however, there is one key difference: For essentially the same signing costs, the buyer will own property and have equity, whereas the renter will be throwing money into a pit. That is the secret landlords don’t desire their tenants knowing.

Now is the time move out of that dingy apartment and find the home of your dreams. For superior guidance during this process, contact Red Blue Realty today for the perfect Northridge real estate agent!

Website: RedBlueRealty.com
Email: Contact(at)redbluerealty(dot)com
Phone Number: 1 – (855) 66-RBREALTY or 1- (855) 667-2732

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Q&A: How different is the Experian Credit Score from your actually FICO?

Question by JP: How different is the Experian Credit Score from your actually FICO?
Last year I did my yearly free credit score, which takes your score from all 3 bureaus.. and did one of those free 30 day trials to get my credit score like 6 months ago and it was 517. I havent made any payments to my solitary negative account, but now my score is like 624 on a free experian one i did today. how different are the two scores?

Best answer:

Answer by Ryan M
It is calculated on a completely unlike scale, using different weights, factors, and criteria. The Experion score is generally 100-150 points HIGHER than your actual FICO score….that is due mostly to the Experian score having a higher ceiling.

Give your answer to this question below!

Where can I go to actually get a FREE credit report?

Question by Coty B: Where can I go to actually get a FREE credit report?
They all say “free credit report” and as soon as you get to the last page of questions, they ask for your credit card. I know there’s a place some where because I did it once before. I could choose between 3 different companies. I just couldn’t get my score.

Best answer:

Answer by Michael W
www.annualcreditreport.comThis is the goverment mandated once yearly free credit report site.and you don’t have to choose which company, you can get all three free.. Equifax, Experian and Transunion. But you do not get a credit score, just the report details.Do Not go to FreeCreditreport.com They enroll you in a credit monitoring program that has a monthly fee. The government made them put a disclaimer on the front page of their website. I will post its contents below.”MPORTANT INFORMATION:When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don’t cancel your membership within the 30-day trial period, you will be billed $ 14.95 for each month that you continue your membership.ConsumerInfo.com and Freecreditreport.com are not attached with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com”

Add your own answer in the comments!

How to Find Low Interest Credit score Cards and What it Can take to Qualify

How to Find Low Interest Credit score Cards and What it Can take to Qualify

Article by Milton Stafford

Finding credit cards with identical low interest charges is an efficient, and a surprisingly ignored, way for consumers to lower their financial debt and save cash. The selfsame good news is that this does not have to be an arduous or clocking consuming procedure. With a tiny sum of preparation, a handful of crucial pieces of facts, and a small persistence, whatsoever individual can study how to be a confident and effective shopper for reduced interest cards.Roughly 55% of all credit score cardholders carry a balance on their cards, and for these men and women in specific it’s critical to not only know how to locate low interest cards, but to fully grasp the standard credit score approval standards utilized by card firm.Generally, the big difference amongst a selfsame low interest credit score card and increased curiosity price cards can be ten% or much more. A card with a stability of 00 and a curiosity fee of ten%, for instance, would have a minimum monthly payment of (retaining in brain that minimum payment calculations tin differ among organizations). Even so, if this very same card had a fee of 20%, the minimum payment shoots up to 9. Even worse, the time frame to shell away off the larger curiosity teasing (paying the minimal payment) will increase by just about two a long time, and the complete curiosity expenses more than the lifestyle of the card is roughly 00 larger. Ensuring you are not overpaying on your credit score card interest basically tin make first-class financial sense that can compensate affect your bottom rimming.Preparing For the SearchAhead of setting out on your credit score card hunt, it helps make sense to first do a tiny prep work to aide in your research. Two points are important. First of all – be distinct on how good (or bad) your credit is. Secondly – you will need to realize the numerous kinds of costs and penalties affiliated with credit cards so that you can accurately examine total charges and characteristics among diverse card delivers.Know what is on your credit score report. With today’s laws that govern consumer’s availability to their personalized credit score reports, there is no excuse for not acquiring and reviewing reviews periodically. Study the approach to request your credit score report.Your credit score rating determines if, and how a lot, leverage you have around the credit card businesses. Do you have a great credit score profile that card companies drool in excess of? Or, conversely, do you have poor credit score – and uncover it challenging to get accepted for most varieties of credit score? When we speak about one’s credit rating we refer not only to the all essential credit score score, but also the detailed payment historical past information contained in your individual credit score report. Like any loan product or service, finding the finest rates on credit score cards will call for an excellent credit historical past and payment file. The far better the card curiosity price – the much more stringent will be the credit specifications. Being distinct on your credit rating let’s you know if you really should concentrate your search efforts on the extremely finest prices, or maybe focus on a card offer that is a tier or two down from the lowest rates.It’s important to know and thoroughly fully grasp the expense and costs connected with a normal credit score card. Regulation Z of the Truth in Lending Act requires lenders to disclose fees and prices in an uniform manner. Credit card curiosity price is expressed in the annual proportion charge (APR). Reg Z is very helpful in that it guarantees that card firms publish the APR in large, effortlessly recognizable lettering. On the other hand, beware that other penalties, charges, or rules may possibly be observed only in the fine print. For that explanation – make sure to constantly examine and realize the terms of any provide prior to submitting an application. Other fees to think about are; annual charge, late payment charges, grace period ahead of late payment is charged, around-the-restrict costs, credit score limit enhance charge, money advance fee, curiosity fee on money advancements, and any other penalties. Hone in on the charges or penalties that are in particular critical to you. Do you often require a handful of added days to make a payment? If so – the grace period and late charge charges ought to carry extra bodyweight in your card search standards.Also critical is to know when and under what circumstances an organization can boost the charge. Credit score cards come with possibly a fixed or variable curiosity charge. Although cards with fixed charges can go up, businesses should supply at least a 15 day observe. Variable-charge cards, on the other hand, modify automatically and with no discover to the cardholder. Most fiscal industry experts advise choosing a fixed-charge card more than the variable charge.Thankfully, we dwell in an age exactly where the most efficient and speedy technique to come across, examine and research credit cards is suitable at our fingertips- the net. A very good initially step is to get a concept of the common card prices in the nation, which delivers you with a reference stage to gauge what charges are under normal, over normal, or someplace in the middle. Beneficial credit score card fee charts can be observed at bankrate.com and indexcreditcards.com. It’s not unusual for fee charts from various web sites to present a slight variance in rates. Tabulating the typical charges amongst credit score cards from across the total nation is a complex method, with a fair diploma of variations arising from information interpretation or timing processes. Use the charts as a guide – and strive to use far more than one particular.To store for, and investigation, a selection of credit card delivers, the acknowledged leader is bankrate.com. There, you’ll discover an abundance of details to assist you come across and evaluate charges and other features. You have the capacity to search by card variety (these kinds of as minimal Curiosity cards or rewards cards) or credit variety (e.g., excellent, good, average, or poor). Further excellent sites include creditcardguide.com, creditcards.com, cardratings.com, and cardtrak.com. MSN.com (moneycentral.msn.com/banking/solutions/creditcard.asp) has an exceptional credit score card analyzer tool exactly where you can quickly scan facts on numerous cards, whilst Interest.com ( credit score-cards.curiosity.com/material/assess/) employs a helpful comparison device that allows you to search by state.As described prior to, go through the facts and very good print of every single give that falls into your wanted rate target variety. Make certain the published APR is just an introductory offer you. You could see a “V” next to the APR – this signifies the price is variable. Use various sights to review a broad variety of card merchandise and presents.What you want to qualifyCredit card lenders every have their identical possessed separate set of approval guidelines, which is dependent on their danger appetite and other economic and enterprise components. Generally talk, to get the cards with the lowest prices, a credit score score of 720 to 750, or even higher for some gives, will be necessary. Lenders will desire to see a clean credit payment historical past, a great than common revenue, and a minimal debt utilization ratio. Debt utilization, or at times called credit score utilization, is a monetary ratio that measure a person’s complete credit balances vs. their total credit score limits – and is a figure lenders view carefully when extending assign. To visualize how to calculate a debt utilization ratio – let’s look at an example of an individual whose only financial debt is two credit score cards, every with a $ five,000 stability. If this person has maxed out both credit cards (i.e., their volume owed equals the credit limit), his or her financial debt utilization will be 100%. Lenders would frown heavily on this scenario as it may well appear that an individual may be overextending or mismanaging their debt. A figure of 20% ought to be the target for any individual wanting to get a card with a very low fee.Ultimate ThoughtsNot all shoppers, of course, have the required qualifications to get the absolute lowest priced cards – but this require not be the end goal for everybody. For roughly populating, basically enhancing on the fee you at the moment have could be a wise purpose. Consider your personal credit score worthiness – and then set reasonable ambitions as to what credit card merchandise you will target. A crucial aim to keep in mind is that you assume’t desire to utilize to also a lot of delivers at 1 time. Undertaking so raises a red flag to lenders that you may possibly be attempt to get as well a lot credit in a short period of time – and tin temporarily minimize your credit score. The best technique is to submit a single card application, and wait for a credit choice ahead of applying for another offer you if needed.Read more: credit cards with low interest

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