Why would my credit report look good on Equifax and not Experian?


Question by Ashley: Why would my credit report look good on Equifax and not Experian?
My credit reports looks good for one agency.I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies?? Or is it up to them?

Best answer:

Answer by Momto2inFL
From what I’ve been told, people report to who they want to report to. Which is why they say to print out all THREE credit bureaus when you can so that you tinned see who reported to what bureau. Some do report to all. But I don’t inferred they are required to. (I could be wrong here).I just printed all 3 of my credit reports from each bureau and they aren’t all alike. So I’m glad I did print them all. If you go to annualcreditreport.com you can get your free copy from EACH bureau once a year.



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Is Transunion the only credit bureau that matters?


Question by darko_d1: Is Transunion the only credit bureau that matters?
Seriously, about a little more than 100% of all important business check your credit report from transunion. Whats the point of the other Experian and Equifax? I looked at all 3 reports and all inquiries were on transunion.

Best answer:

Answer by Casey C
It actually depends on which part of the country you are in. There was a time when these companies were region specific and were independant of each other. In my part of the country, Equifax provides the majority of accurate information when I pull someone’s credit. Also, lenders now utilize all 3 bureaus to get a median score for you.I would guess that you are in the middle of the US somewhere if Transunion seems to get pulled more.These companies have done business with one bureau for a long time and the cost has remained low so they don’t bother to utilize other companies due to cost.



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Credit Score Tips, How to increase your, Credit Score, every month for free!!


Credit Score Tips, How to increase your, Credit Score, every month for free!! be sure to stop by www.TheCreditGuy.TV the most important thing impacting your …


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Q&A: What is the best way to repair a bad credit rating?


Question by coola: What is the best way to repair a bad credit rating?
I have overdrafts, loans and credit cards and I have missed many payments on all of them and am overlimit on my overdraft and credit card. Apart from making payments on time how tin I get a better credit rating? Will it only get better once I assume’t owe anything or if I start to make regular payments on time will that improve it? How long does it take for it to begin to improve? I’m in the UK so need info for here please. Thank you!

Best answer:

Answer by G.O.A.T.
there really isn’t any other way besides paying them on time.



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What does a credit report look like after bankruptcy?


Question by Whitney: What does a credit report look like after bankruptcy?
I want to get information on what your credit report looks wishing after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it?

Best answer:

Answer by Sparkles
Believe me, it is not blank.A Chapter 7 bankrutpcy may display on your credit for 10 years from the date of filing. Chapter 13 may stay for 10 yeas also, but it is customary for those to be removed after 7 years.Seven to ten years from the date of discharge. All discharged bankruptcies whether a state or federal filing remain on a CR for 10 years. A dismissed chapter 13 stayed for 7 years, a dismissed chapter 7 remains for 10 years. Chapt.7-11-12 will remain for ten years. A chapter 13 will remain for seven years if successfully completed, for 10 years if dismissed. Ten (10) years for a discharged chapter 7 or 13. Seven (7) years for a dismissed chapter 13, ten (10) years for a dismissed chapter 7. Although it is true that the federal Fair Credit Reporting Act does provide that bankruptcy entries will remain for 10 years, there are approximately creditors that will only leave a chapter 13 bankruptcy on your record for 7, rather than 10 years. They do this to encourage people to pay partly of their debts rather than discharge it all below a chapter 7. More importantly, the effect of bankruptcy on one’s ability to get credit is vastly overdrawing. The key to getting the credit you need has far more to do with the amount of present income you have rather than any negatives on your credit report. In poor, if you have good present income, the creditors will look past your credit report to your wallet in the sense that it is possible, even with a bankruptcy on one’s record, to get credit for cars and new credit cards as soon as you are discharged in a chapter 7 (about four months after you file), and after a year or so, you can even get a mortgage on a house. They may not give you the best rate, but if you have good present income, even a person with a bankruptcy on their record can get the credit they want in almost all cases. You will not qualify for a FHA until a chapter 7 has be discharged for 2 years. A chapter 13, you will only have to wait a minimum of 1 year from filing date.



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How do you pull Truecredit Transunion daily?


Question by Paul Huggies: How do you pull Truecredit Transunion daily?
I was told I was supposed to be able to pull Transunion daily, but I don’t see how. I canceled my Truecredit, and they told me that I was not utilizing the daily Transunion pull.

Best answer:

Answer by The Gooroo
I’m not sure, but there is one thing I tin tell you; cancel ASAP. Apparently Truecredit Transunion is a scam.



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Thanksgiving Day Web Hosting Deals & Promotion Announced by HostingReview360.com


Thanksgiving Day Web Hosting Deals & Promotion Announced by HostingReview360.com

Thanksgiving Day Web Hosting Deals & Promotion

San Francisco, CA (PRWEB) November 26, 2013

HostingReview360.com, a leading independent web hosting review site, today announced a list of Thanksgiving Day web hosting deals and promotions that come with more than 30% discounts offered by reliable web hosts, aiming at helping webmasters purchase high quality web hosting services with low costs on the upcoming Thanksgiving Day.

The web hosts on the list are BlueHost, Arvixe and GreenGeeks, all of which not only offer a large discount for new customers signing up during the celebration of the holiday, but also provide a large number of free features and extras to give customers a more enjoyable experience with their services.

BlueHost, one of the world’s largest web hosts, offers a 44% discount for people subscribing to its all-in-one shared hosting package through this promotional link. With the discount, the effective price of the package starts at $ 3.95/mo, which saves up to $ 109 for a single term.

The extras included are a drag-and-drop site builder with 500+ templates, SimpleScripts 1-click installer, and $ 200 advertising credits that can be used to promote websites on Google, Facebook and Twitter.

Being available at $ 4/mo regularly, Arvixe Personal Class package comes with a 30% discount for Thanksgiving Day celebration, with which the package is purchasable at a low rate starting at $ 2.8/mo. The special offer can be acquired by going through this promotional link and using the coupon code BWH360.

In addition to the discount, Arvixe also provides new customers with many add-ons without extra charge, such as a domain name for life, RVSiteBuilder, SSDs, CloudFlare CDN, $ 100 Google AdWords credits, and $ 75 Yahoo/Bing search credits.

As the company guarantees 60-day money back, customers are entitled to get a full refund if they cancel their accounts for any reason in the first 60 days of the terms.

GreenGeeks Thanksgiving Day promotion is a 50% discount which cuts the price of the green web hosting package down to $ 3.96/mo. The discount is only valid for subscriptions completed through this promotional link.

GreenGeeks 300% wind powered web hosting service gives all users full access to cPanel control panel, Softaculous 1-click installer, and 1 free domain name for life.

Besides the large amount of discounts and extras, BlueHost, Arvixe and GreenGeeks are selected because their web hosting services have met the following standards of being outstanding choices.

1)    Easy-to-use control beautifying integrated with an auto script installer.
2)    Over 99.9% web hosting uptime in practice.
3)    Less than 2 seconds page loading time on average.
4)    Unlimited disk space, monthly data transfer, databases & email accounts.
5)    24×7 technical support via ring-free phone call, email & inhabited chat.

About HostingReview360.com
Founded by Lucy Liu, an experienced web developer with over 10 years’ experience, HostingReview360.com is now a leading web hosting review site that reviews and rates web hosting services to offer guidance on selecting proper packages for different kinds of needs.


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.



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Attorney Mark Astor Announces Launch of Attorney-Driven Networking Site Lawser.com


Attorney Mark Astor Announces Launch of Attorney-Driven Networking Site Lawser.com

Mark Astor | Lawser.com | Connecting the world-wide sound community

Los Angeles, CA (PRWEB) November 08, 2013

Experienced lawyer Mark G. Astor saw a gaping hole in the online attorney networking space: although there were many sites dedicated to helping attorneys attract new clients, there was not a comprehensive site where lawyers could interact with one another to provide resources. This led him to create Lawser.com, the first of its kind networking platform created exclusively for the legal community.

Unlike most of the site that only cater to lawyers; what makes Lawser.com different is that it provides the connection between the lawyers and other legal professionals such as expert witnesses, court reporters, bail bondsmen and paralegals. This is what enables the legal community to help members grow their respective businesses by referring each other business. In addition, law students can take advantage of a free membership giving them an opportunity to build up a network even before they graduate rather than afterwards when it’s too late.

Joining Lawser.com will give members a variety of opportunities geared specifically to legal professionals: information on employment leads, chances to share resources with one another and valuable networking tools designed with attorneys in mind. The site is a “one-stop shop” for attorneys seeking to learn and share information. Lawyers and legal professionals have the chance to try to site for a month completely free.

The site has three tiers of membership available: a free student account, a free basic account for lawyers and legal professionals and a premium account for lawyers and legal professionals with one free month and each month following as $ 29.95. The premium account comes with access to the employment database, an upgraded profile (including individual blog posting capability), and discounts on office space, supplies, CLE credits and malpractice coverage.

Mr. Astor received his Juris Doctorate in 1994 from Nova University College and his Master of Laws Degree from American University, Washington College of Law in 2005. He was admitted to the Florida Bar in 1994 and the District of Columbia excluding in 2005. Now in living in Los Angeles, CA, he help other attorneys to grow their business through Lawser.com.


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.



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Improve your credit rating


https://www.creditexpert.co.uk/MCCLogin.aspx?sc=410576&bcd=00069&dlt=report You don’t have one credit rating – different lenders will give you different cred…



Guest lecture by Brad Walters, General Manager, Financial Analytics, Corporate Scorecard held at the Australian School of Business, UNSW.

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Q&A: How does a nation have a credit rating and what authority decides?


Question by advait: How does a nation have a credit rating and what authority decides?
Somewhere I read that a nation in Africa was given a higher credit rating as a nation, but I lost the article. How does a nation get a credit rating as a nation, and what authority decides the credit rating for a nation?

Best answer:

Answer by pajoelo
There is no authority as such, it’s the international credit rating firms that rate nations: Standard and Poor’s, Moody’s and Fitch. In general, these firms analyze the financial figures of the nation (government): the debt, the income, pension systems, tax reforms and status, etc; and based on these they rate the nation. For example, Mexico is now BBB+ and if a pensions reform is passed, it would climb up to A-.



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How accurate is the credit report information obtained from the annualcreditreport website?


Question by S: How accurate is the credit report information obtained from the annualcreditreport website?
I recently used that website to get a free credit report from the 3 reporting agencies. According to the 3 reports, I have ZERO negative items.Five years ago, my landline phone was staccato due to non-payment. I owed about $ 200.00 on that phone line, which I never paid. Wouldn’t that have appeared on my credit report as a “negative item”?

Best answer:

Answer by Ryan M
That website DOES NOT directly give you access to your credit report or the info on them. That website is merely a portal that allows you to access your credit report DIRECTLY from the credit reporting agencies.As for the phone line…it will only show up if it was reported to them. There is no law that EVERYTHING MUST be reported.



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Hain Celestial Wins Full Circle Award at M2Moms


Hain Celestial Wins Full Circle Award at M2Moms® — The Marketing to Moms Conference

Nan McCann, Producer of M2Moms® and David Iudicia of Yahoo! present the Full Circle Award to Jill Risucci of The Hain Celestial Group at the 9th Annual M2Moms® Conference on October 24, 2013, Chicago.

Chicago, IL (PRWEB) November 07, 2013

On behalf of Hain Celestial’s Earth’s Best brand, Jill Risucci, Senior Brand Manager, received the “Full Circle Award” at the 9th Annual M2Moms® – The Marketing to Moms Conference, Oct. 23-24, 2013, Chicago. The award was presented to Hain Celestial by David Iudicia, Director of Strategic Research & Insights at Yahoo! “Now in its fifth year, the Full Circle Award is given to a company that takes what they learned at M2Moms® and applies it in their business to improve their sales and marketing results with today’s moms,” according to Liz Fongemie, M2Moms® producer.

“The Hain Celestial Group’s Earth’s Best brand team has been attending M2Moms® since 2008,” Fongemie explained. “After attending last year’s conference they took what they learned and repositioned the Earth’s Best brand, complete with a new logo and packaging for a campaign that’s set to debut next summer. They were particularly inspired by Yahoo! Starcom’s Brave New Moms 2012 presentation which is why David Iudicia was chosen to give the presentation. David was responsible for the digital insights that underscored the changes.”

“We started this award tradition in 2007 when we began hearing stories about branded that attended M2Moms® and then used what they learned to either launch something new, to improve a product or service, or change the way they market to moms,” Fongemie added. “Past winners include Ontario Egg Farmers, ConAgra Foods, KinderCone and HABA Toys.”

“M2Moms® is dedicated to helping marketers improve their marketing efforts to today’s ever-evolving moms. Mom is the modern family’s most important decision maker in virtually every consumer industry and product category. It is precisely because of moms’ purchasing power that M2Moms® draws attendance from a truly diverse and comprehensive list of brands,” Fongemie continued, “including Microsoft, Kellogg’s, Evenflo, IKEA, Mead Johnson, GM, Allstate, Heinz, Symantec, Hasbro, BBC, NBA, Procter & Gamble, Wyeth and Coca-Cola. They all recognize that marketing to moms is critical to continued brand growth and market share.”

M2Moms® sponsors include Title Sponsor: Sprout; Associate Sponsors: GfK, Mom Central Consulting, House Party, Ketchum, Destination Maternity, WebMD, MtoM Consulting, Tap Influence, Yahoo!, Mabel’s Labels, WhatToExpect.com, Meredith Parents Network, Conill, FleishmanHillard, The Motherhood, Mattel; Showcase Sponsors: GGP, School Family Media, Kids & Company, The Education Center, Sachi, Moms Meet, PMP, Teen Life, Sports Illustrated Kids and Time for Kids; Workshop Sponsors: The Marketing Store Worldwide, The Bump, Child’s Play Communications, Eric Mower+Associates, Robin Leedy & Associates, Sway Group, PTPA Media, Experian, Blissful Media Group; Video Content Resource: Snippies; News Resource: M2Moms® News. M2Moms® 2013 proudly supports Text4baby.

For M2Moms® information: http://www.m2moms.com or 860.724.2649 x11. M2Moms,m is produced by PME® Enterprises LLC, 912 Silas Deane Hwy., Suite 101, Wethersfield, CT 06109.


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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.



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Q&A: Is the Experian credit counseling session worth it?


Question by SLoW PoKe: Is the Experian credit counseling session worth it?
I just got my credit reports and Experian is offering a free credit session. I’m curious to get more info about my report and to ask questions. If anybody has done it, would you say it was worth it?

Best answer:

Answer by BaC
no. everything you need to know about improving your credit score can be found on the myFICO website. The first backpedal is to look at your equifax & experian credit report and dispute anything negative (you may be able to do everything online). Once you receive the results of your dispute- go to myFICO and larn how to raise your credit score.



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topcreditcardprocessors.com Proclaims Rankings of Best 30 Merchant Cash Advance Firms for November 2013


topcreditcardprocessors.com Proclaims Rankings of Best 30 Merchant Cash Advance Firms for November 2013

TCCP

(PRWEB) November 05, 2013

topcreditcardprocessors.com has revealed the best merchant cash advance agencies in the payment processing industry for the month of November 2013. Thousands providing solutions within the industry are evaluated in order to identify which agencies produce the most competent solutions to businesses in need. Businesses scouting for competent payment processing agencies to help them access the listings online to find agencies which have been tested by an independent third party.

In say to build the better ranked possible based on the most detailed evaluation of merchant cash advance firms the independent research team spends countless hours analyzing industry trends and market searched. Each showcased merchant cash advance company has been judged across five criteria of evaluation. The five criteria are critical to distinguishing the comparative performance of the company in relation to major competitors within the industry. To build a flushed more detailed evaluation the independent research team also contacts a minimum of three client referrals of competing merchant cash advance firms.

To view the rankings of the top merchant cash advance consultants click here.

About topcreditcardprocessors.com

topcreditcardprocessors.com is a provider of credit card processing research. The first objective of topcreditcardprocessors.com is to establish and proclaim those individuals or companies supplying best credit card processing solutions available. Merchant cash advance companies are put through a systematic evaluation to ensure the ratings contain the absolute best companies the credit card processing industry has to offer.

Merchant cash advance agencies interested in being evaluated and revealed can visit:

http://topcreditcardprocessors.news-prs.com/us/apply-for-rankings


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.



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TransUnion SmartMove


Finally, independent landlords can access the same tenant screening tools as the largest property managers. Learn more about TransUnion SmartMove! Visit Tran…
Video Rating: 0 / 5


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LGBT Infographic: CreditDonkey.com Zeroes in on the Spending Power of the LGBT Community


LGBT Infographic: CreditDonkey.com Zeroes in on the Spending Power of the LGBT Community

CreditDonkey

Los Angeles, CA (PRWEB) October 30, 2013

By putting facts and figures about the buying power of the Lesbian, Gay, Bisexual, and Transgender (LGBT) community all in one infographic, CreditDonkey.com has highlighted the growing proportion of this consumer group’s spending power.

Infographic: http://www.creditdonkey.com/lgbt.html

In “Pink Money Talk: The Rise of the LGBT Consumer,” CreditDonkey.com, a financial education and credit card comparison website, illustrates the rise in same-sex couple households over the past decade, the LGBT community’s preference to unrecorded in urban areas more than its heterosexual peers, and the rise in its buying power.

“As acceptance and awareness of the LGBT community in recent years has led to an increase in this group’s willingness to come forward and be counted in publicly available databases, companies can benefit from gaining a better understanding of this group,” says Charles Tran, founder of CreditDonkey.com. “Depending on their type of business, companies may want to make changes to their products or marketing campaigns to reach this group. Otherwise, they could be leaving money on the table.”

In fact, CreditDonkey’s infographic notes that same-sex households tend to make more shopping trips than other households. In addition, the majority reported they are more likely to make purchases of everyday items from companies that specifically market to the LGBT community.

CreditDonkey.com regularly canvases research on certain demographics to view spending patterns and trends of both consumers and businesses. Earlier this year, for example, the website showcased the growth of Asian-owned businesses as “A Thriving Segment of the U.S. Economy,” as well as the interesting dynamics of today’s mother in Moms, Work, and Family: A Balancing Act.

CreditDonkey.com provides information on the credit issues, news, and trends facing Americans through market research and analysis. CreditDonkey.com aims to make personal finance “donkey-proof” (easy to understand) to give consumers the information they need to make savvy financial decisions.


Attachments



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.



Find More Credit Report Press Releases

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Is it possible to order a free credit report & not have a current credit card?


Question by anna e: Is it possible to order a free credit report & not have a current credit card?
I know my credit is messed up, but not how bad. I need to get a free credit report to be able to start fixing this. i would like to get it over the internet, so as to make it as fast as possible. withal, ever sight i have been to requires current credit card info, for which i don’t have. is it therefore, possible to order a free credit report over the internet?

Best answer:

Answer by ooodaveb
Try annualcreditreport.comYou’ll get all three credit bureau’s files for free once a year. It’s required for them to provide.Alternatively you can write them each and ask for your annual ascribing report, but visiting the site is best.



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2013 Inpatient Revenue Cycle Management Study


2013 Inpatient Revenue Cycle Management Study

Burlington, VT (PRWEB) October 03, 2013

HIMSS Analytics continues its series of strategic industry reports with the release of the 2013 Inpatient Revenue Cycle Management (RCM) Study. The study represents unique Voice of Customer (VOC) insight from over 500 respondents on market share, market opportunity and vendor mind share across the U.S. market.

The 2013 study focuses specifically on the following areas: Eligibility, Address Verification, Scheduling, Registration QA, Medical Necessity, Pre-authorization, Bill Estimation, Cashiering, Charity Screening, and Propensity to Pay.

“We want to provide granularity around functions used in the Inpatient RCM arena, including how hospitals are approaching those functions and how large of a role they vying in conducting transactions on an annual basis,” said HIMSS Analytics Research Director, Brendan FitzGerald. “As the industry continues to refresh, a move toward vendor solutions by hospitals could help ease the burthening of keeping up with financial regulations and assist organizations move toward more seamless revenue cycle transactions.”

The study includes Voice of Customer (VOC) insight from over 500 respondents. Highlights of which include:

High level of adoption for vendor solutions in the areas of Eligibility and Scheduling, with lots of served to be done around Charity Screening and Propensity to Pay.

Respondents indicated their intent on replacing or purchasing net new solutions for RCM functions such as Address Validation, Pre-Authorization, and Bill Estimation, among others.

Vendor Market and Mind Share coverage includes:
Advisory Board, Emdeon, Experian/Search America, HDX/Sismens, MedAssets, MedeAnalytics, Passport, Recondo, RelayHealth, SSI, TransUnion

About HIMSS Analytics
HIMSS Analytics is a wholly-owned, not-for-profit subsidiary of the Healthcare Information and Management Systems Society (HIMSS). The company acquired CapSite in October 2012 and offers a portfolio of healthcare information technology market intelligence products and services, including detailed analytics tools, market research, and customized consulting. Visit http://www.himssanalytics.org or http://www.capsite.com for more information.

To obtain a complimentary copy of the Table of Contents, visit the Reports page at http://www.capsite.com. To request a copy of the Study, please email consulting(at)himssanalytics(dot)org.
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