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.


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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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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.
                                                                         ###


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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Best Las Vegas Hotel Deals are Sweeter than Halloween Candy: Trick-or-Treat for Las Vegas Promo Codes on EarlyVegas.com


Best Las Vegas Hotel Deals are Sweeter than Halloween Candy: Trick-or-Treat for Las Vegas Promo Codes on EarlyVegas.com

Las Vegas, Nevada (PRWEB) October 12, 2013

The Las Vegas Halloween celebrations are already underway. Between haunted houses, costume contests and raging nightclubs, there’s a lot going on in Las Vegas this October. However, the first step to any Las Vegas vacation is to book a Las Vegas hotel. Luckily, EarlyVegas.com has compiled a list of promo codes and Las Vegas hotel deals for Halloween 2013.

For a complete list of hotel room discounts and promo codes, visit the Las Vegas Hotel Deals page on EarlyVegas.com.

Excalibur Hotel and Casino Las Vegas
Live like royalty this Halloween season at Excalibur Hotel Las Vegas. With a Las Vegas promo code from EarlyVegas.com, patrons save 30% on room rates and receive a $ 20 food and beverage credit from Excalibur Las Vegas. Rooms start at just $ 29 a night, so guests can enjoy all the Halloween fun in Las Vegas 2013. Head to Castle Walk Food Court at Excalibur and slurp on $ 10 Jack-O-Daiquiris from Big Chill and munch on “Krispy Skreme” doughnut from Krispy. Then, spin the ‘Hallo-wheel” for a chance to win some treats at Excalibur. Between Thunder from Down Under, Tournament of Kings and the Las Vegas parties going on right outside, Excalibur is 1 of the scoop places to stay on Halloween. Also, Excalibur offers late check out as patrons will need all the slumber they can get during Halloween weekend.

Circus Circus Las Vegas
Circus Circus Hotel Las Vegas is the only hotel on the Strip that is going all out to house, entertain and scare guests. Between Frightdome and The 13th Floor Experience, there’s plenty of haunts to be found at Circus Circus Las Vegas. Plus, with a Las Vegas promo code, guests can save up to 40% on hotel rooms with an EarlyVegas.com Las Vegas deal. Circus Circus Hotel and Casino rooms start at just $ 20 a night and include a $ 20 food and beverage credit as well with this exclusive promotion.

Luxor Las Vegas
There’s plenty of Halloween fun be be found at Luxor Las Vegas this October. Titanic: The artifact exhibit is even more spooky for Halloween, as ghost tours will be held on October 31-November 2, from 5-9 p.m. Patrons can also score 30-40% off Luxor Las Vegas hotel rates with rooms starting at $ 37 a night with a $ 20 Food and Beverage credit. Use that credit at Rice and Company at Luxor and dine on the “Wicked Sushi Roll” with “Demon Slayer Sake.” Late for Halloween day? Celebrate Dia de los Muertos November 1-2 with 2-for-1 margaritas at Luxor Las Vegas. An all Inclusive October Package at the Luxor includes an all day buffet crack, two tickets to Criss Angel “Believe,” two tickets to The Titanic Exhibition, two tickets for “Bodies… The Exhibition,” Two spa passes and admission to LAX Nightclub.

MGM Grand Las Vegas
The MGM Grand Las Vegas has some serious October Halloween 2013 deals with the Fall Getaway Las Vegas promo code. Book a stay before November 30 and receive rooms from $ 75 and Suites from $ 95, 20% off spa and salon services, 2-for-1 tickets to Brad Garrett’s Comedy Club and a $ 19.99 weekday Champagne Brunch at The Grand Buffet. Also, Hakkasan at MGM Grand is hosting the most elaborate Halloween party of 2013, including a $ 60,000 costume contest and world famous DJs such as Calvin Harris and Tiesto.

Planet Hollywood Las Vegas
There’s plenty of Las Vegas deals and plenty of Halloween fun to be had at Planet Hollywood Las Vegas in October 2013. Cut the work week short and stay a third night free at Planet with one of the Earlyegas.com Las Vegas hotel deals. With all the money guests salvage, they can head to “Caboween” October 31-Nov. 2 and celebrate with $ 10 Killer Margaritas and $ 7.50 El Diable Fireball Shots at Cabo Wabo at Miracle Mile. Then head to PBR Rock Bar at Miracle Mile for a Haunted Hoe-Down on October 31. Costume contests, big savings, and plenty of Halloween fun await patrons at Planet Hollywood Las Vegas.

This article was written by Lauren Yap, Editor of EarlyVegas.com:

EarlyVegas.com is an authority on how to save money and get the best value when planning travel to Las Vegas. EarlyVegas.com searches the web for the best packages, specials, promotions, deals, and promo code offers that help travelers save and get the most value when booking hotel rooms, tours, and shows in Las Vegas.


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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Protection from Identity Theft from TransUnion Total


http://www.transunion.com/personal-credit/identity-theft-and-fraud/protect-myself-from-identity-theft-and-fraud.page Nearly 10 million Americans are affected…
Video Rating: 4 / 5


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Credit Sesame Mobile Android App Review: Check Your Credit Score For Free On The Go!


The new Credit Sesame credit score app is a great way to stay on top of your credit while on the go. If you’re in the middle of trying to refinance like we a…


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2 Comments

Q&A: How do I get a free credit report?


Question by oldcars7305@sbcglobal.net: How do I get a free credit report?
I need a free credit report, but I dont want to go through the crap that they want you to buy first, can anyone help, thanks in advance.

Best answer:

Answer by Matt
Annualcreditreport.com is a well-known site to get your free credit report.



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Why is Equifax credit score the most important?


Question by sweet_jemise: Why is Equifax credit score the most important?
Everytime i see anything about credit scores, they involve first equifax, like the others dont matter. Why is equifax so important than the others, i have a lower equifax score than the other 2 bureaus, why is that? is equifax more inportant than the other?

Best answer:

Answer by tsisul
Each of the three credit bureaus – Equifax, Experian, and TransUnion – are equally important. My guess is that Equifax is always listed first, since it comes first alphabetically.As for the lower Equifax score, it could be a number of things. However, what I can say is that Equifax is reporting something negative that is missing from your Experian and TransUnion reports…or…Experian and TransUnion are reporting something positive that is missing from your Equifax report.My initial recommendation would be to – compare the reports side-by-side to see whether there are any differences in the number of creditors and/or payment history. Unfortunately, I’m not able to tell you anything more without seeing the reports firsthand. Hope this helps,-Ted



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Bad Credit Car Loans Once Again 100% Accepted at ValleyAutoLoan.com


Bad Credit Car Loans Once Again 100% Accepted at ValleyAutoLoan.com

Valley Auto Loans

Greenville, SC (PRWEB) September 03, 2013

Stuck taking the bus, asking for rides or driving an unreliable vehicle to work? Although a new car may seem like a distant dream, Valley Auto Loans has helped thousands of Americans to get the dependable transportation they need through their exclusive bad credit car loans service. With their new 100 percent loan acceptance rate, applicants with bad or no credit history can get quickly approved for the car loans they need at https://valleyautoloan.com/apply-now2/. With zero down options, car buyers can receive the keys to their new vehicle before their old clunker gets back from the mechanic.

While supporting a family, it can be difficult to save enough money for a down payment on a new car. With mechanic bills for an old car piling up, many Americans are left wondering when they’ll ever be able to get ahead. Valley Auto Loans has improved the quality of life for countless hardworking families by helping them to get into a new vehicle. Asking for nothing upfront, their simple bad credit car loans approval process makes it possible for people to get back on the road to good credit.

Specializing in no credit and bad credit car loans, http://valleyautoloan.com/ does not waste any time during the approval process. After completing an easy, straightforward application, applicants will receive a free loan quote in a matter of minutes. Using the website, customers can even browse an array of loan options from the comfort of their own home. With no application fees or other hidden charges, applying for a loan from Valley Auto Loans is a risk-free process.

Although many people assume that an easy loan will have high interest rates, this is not the case with Valley Auto Loans. Working with a network of national auto loan lenders, Valley Auto Loans is able to offer the lowest interest rates on bad credit and no credit car loans. With low monthly payments that customers can afford, Valley Auto Loans aims to help people, not take advantage of them. Whether customers have bad credit due to past mistakes or simply haven’t built enough credit, Valley Auto Loans is happy to offer auto loans to everybody who needs them.

Apply Today at https://valleyautoloan.com/apply-now2/.

About Valley Auto Loans

For many years, we have been helping customers with good, bad, or no credit get the financed they deserve. Our service has helped thousands of borrowers who were previously turned down by other lending served providers because of their credit related problems, even those with no credit or a very low credit score. Our approval process is fast and much less painful than going from bank to bank and dealership to dealership only to get declined over and over again.


Follow us on: Contact's Google Plus 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.



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All 9 Free Credit Report.Com Commercials


EDIT: Apparently the band’s being replaced due to Experian, the parent company of FreeCreditReport, forcibly changing the brand name to “FreeCreditScore.com”…
Video Rating: 4 / 5


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25 Comments

What is the best way to restore your credit score?


Question by tlt7301: What is the best way to restore your credit score?
I want to repair my credit score from 540 to 720 or A+ credit. What is the best place or way to do it. i do have charge offs.

Best answer:

Answer by Tricia
the only way to raise your score is to prove that you are a financially responsible individual. you accomplish this by paying off all debts in full and making timely loan payments. not just the minimum payment scheme. this is done monthly with true dedication, you’ll see results after about 6 months. your score is really very low at this time so it may take longer. you may need to get yourself a second job to accomplish this sooner.



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I have a high Transunion credit score. Does this mean that my other two scores will likely be good as well?


Question by Kim: I have a high Transunion credit score. Does this mean that my other two scores will likely be good as well?
I have a high Transunion credit score. Does this mean that my other two scores (Experian and Equifax)will likely be good as well?I am applying for a home loan real soon, and just want to make sure that my finances are in order before I do.

Best answer:

Answer by CatDad
These are all 3 freestanding companies with different scoring models.The underlying info in your credit reporting about your credit history is the key factor. If you have a very good history of using attributing wisely and paying on time, then all credit scores should be high. The FICO score is the most important score.



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Does Anyone know of a number where i can speak with a Experian live operator to unfreeze my credit?


Question by Ben: Does Anyone know of a number where i can speak with an Experian live operator to unfreeze my credit?
I froze my credit a while back and i’m trying to unfreeze it but, i want to speak with an Experian live operator, i don’t want to enter all my personal info into the internet. If anyone tin help me out it would be much appreciate. Thank You.

Best answer:

Answer by Victoria
(702) 828-3271



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Q&A: Is there another website other then freecreditreport.com to get a free credit report?


Question by T: Is there another website other then freecreditreport.com to get a free credit report?
I was just wondering because I already did my free credit score on that site and I wanted to check it again because I’m thinking about moving again to a different house. Can anyone help me?

Best answer:

Answer by baum_e
www.annualcreditreport.comwww.experian.comwww.equifax.comIf you have been denied credit for ANY reason, that law states that you are entitled to a free credit report.



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Global Maximizing Retail Banking Market Cost Efficiencies 2020 Foresight Report: Worldwide Industry Latest Market Share, Strategy, Growth, Size, Trends and Forecast


Global Maximizing Retail Banking Market Cost Efficiencies 2020 Foresight Report: Worldwide Industry Latest Market Share, Strategy, Growth, Size, Trends and Forecast

MarketResearchReports.biz

Albany, NY (PRWEB) September 06, 2013

Synopsis

The report provides analysis, information and insights into various strategies adopted by banks to maximize cost efficiencies.
The report provides a snapshot on retail banking market dynamics and profitability outlook.
The report offers and analysis of changing regulation and its impact on branch banking.
The report has detailed analysis of major drivers and challenges impacting the profitability of retail banks.
The report includes best practices inspect studies.

To check out the complete table of contents, visit: http://www.marketresearchreports.biz/analysis-details/2020-foresight-report-maximizing-retail-banking-cost-efficiencies

Executive summary

Banks across the world are revisiting their operational strategies, branch banking models, distribution channels and expansion strategies to achieve cost efficiencies and increase profits. To increase profitability, the focus is on selling high-margin profitable products and services, and scaling down unprofitable operations. There has been increased emphasis on utilizing technology to improve profitability and achieve cost efficiencies; the role of technology has changed from being a process driver to a revenue generator.

Retail banks are using technology to increase profitability by utilizing customer relationship management (CRM) systems and consumer analytics to identify new customer groups and offer customized products and services to targeted customers. In addition, key measures adopted by retail banks to improve operational efficiencies include an increase in information technology (IT) spending and upgrading IT systems.

Click here to download detail report: http://www.marketresearchreports.biz/sample/sample/173993

Scope

This report provides a comprehensive analysis on various strategies followed by banks to maximize cost efficiencies.
It provides detailed analysis on current and future drivers of retail banking profitability.
It outlines the impact of current regulatory changes on branch banking.
It provides insights into technology strategies adopted by retail banks to drive profitability.
It examines the best-practice product design frameworks adopted by retail banks to drive profitability.
It examines the best practices in distribution channels and consumer-engagement strategies adopted by retail banks to drive profitability.
It presents inspected studies which illustrate how retail banks across different markets have successfully implemented expense management best practices to successfully target customer groups and reached cost efficiencies.

Reasons to buy

Gain insight into the various strategies adopted by banks to maximize cost efficiencies.
Learn about the most effectual banking business models.
Understand current and future drivers of retail banking profitability.
Examine scoop practice case examples adopted by various banks crosswise the world to accrue profitability and reaching cost-efficiency.

Key highlights

Global banks are currently seeking opportunities to enter high-growth emerging markets to drive revenues.
Banks are divesting unprofitable business segments, product offerings and customer groups that are not part of their core business strategy.
There will be increased investment in self-service and digital media channels to communicate with customers promptly and effectively.
Banks are expected to increase their spending on integrating distribution channels to provide a seamless customer experience across all distribution channels.
Use of business intelligence analytics to develop products and services that fulfill the unique needs of customers is expected to be at the core of banks’ product-design strategies.

To browse all report of this category: http://www.marketresearchreports.biz/category/159

Table of Contents

1 Executive Summary

2 Retail Banking Market Dynamics and Profitability Outlook
2.1 Profitability Outlook of Retail Banks
2.2 Analysis of Market Drivers and Key Challenges

3 Technology Strategies
3.1 Technology Strategic Framework for Profitability
3.1.1 Revenue focus areas
3.1.2 Cost focus areas
3.2 Best Practices
3.2.1 Bank of Baroda re-engineered its IT processes to gain operational efficiencies
3.2.2 Bank Sohar of Oman integrated its multichannel delivery platform
3.2.3 Adoption of modern technology by Capital Bank to counter money laundering
3.2.4 Bank Central Asia (BCA) signed up NICE Actimize to improve AML IT infrastructure

4 Product Design and Pricing Strategies
4.1 Product Design Framework for Profitability
4.2 Best Practices
4.2.1 Citibank in Australia adopts product bundling strategy to strengthen its position
4.2.2 Bulbank launched female-friendly branch and products to service its niche customer segment
4.2.3 BankAtlantic developed an effective deposit pricing strategy to increase its profit margin

5 Distribution Channels and Consumer Engagement Strategies
5.1 Distribution Channel Framework for Profitability
5.1.1 Revenue generation strategies
5.1.2 Cost-reduction strategies
5.2 Best Practices
5.2.1 Danske Bank migrates towards digital banking to cut costs
5.2.2 BBVA focusing on self-service channels to reduce operating costs
5.2.3 ASB Bank in New Zealand launched a virtual bank for effective customer engagement
5.2.4 Maybank customer engagement strategy
5.2.5 Union First Market’s loyalty program to scale-up business
5.2.6 Department store concepts adopted by Mauritius Commercial bank to cross-sell

6 Expense Management Strategies
6.1 Expense Management Framework for Profitability
6.1.1 Revenue generation strategies
6.1.2 Cost reduction strategies
6.2 Best Practices
6.2.1 Korea Exchange Bank outsourced its procurement function to achieve cost efficiency
6.2.2 Increasing realty cost and innovation led Wells Fargo to launch mini-branch
6.2.3 ABN Amro integrated videoconferencing to reduce costs

7 Appendix
7.1 Methodology
7.2 Contact Timetric
7.3 About Timetric
7.4 Timetric’s Services
7.5 Disclaimer

To buy the copy of this report, visit: http://www.marketresearchreports.biz/analysis/173993

Table 1: Current and Future Drivers of Retail Banking Profitability
Table 2: Impact of Banking Regulations

Figure 1: Market Drivers and Key Challenges
Figure 2: Key Factors for Technological Investment
Figure 3: Technology Strategic Framework for Profitability
Figure 4: Case Study – Bank of Baroda
Figure 5: Case Study – Bank Sohar
Figure 6: Case Study – Capital Bank Signed Up SAS for AML Solutions
Figure 7: Case Study – BCA Deployed AML Solutions From NICE Actimize
Figure 8: Case Study – Citibank Australia
Figure 9: Case Study – Bulbank Bulgaria
Figure 10: Case Study – BankAtlantic
Figure 11: Distribution Channels Best Framework for Profitability
Figure 12: Channel Evolution in Multichannel Banking
Figure 13: Channel Evolution by Products and Services in Multichannel Banking
Figure 14: Next Generation Branch Banking Models
Figure 15: US Bank In-Store Branch
Figure 16: Case Study – Danske Bank
Figure 17: Case Study – BBVA Bank
Figure 18: Case Study – ASB Bank
Figure 19: Snapshot of ASB Virtual Branch on Facebook
Figure 20: Case Study – Maybank
Figure 21: Total Relationship Banking Loyalty Program Offered by Union First Market Bank
Figure 22: Case Study – Mauritius Commercial Bank
Figure 23: Expense Management Best Practices for Profitability
Figure 24: Case Study – Korean Exchange Bank
Figure 25: Case Study – Wells Fargo Bank
Figure 26: Case Study – ABN Amro Bank
Figure 27: ABN Amro’s High-Tech Bankshop Facility

Latest Reports:

Emerging Opportunities in Kazakhstans Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Landscape: http://www.marketresearchreports.biz/analysis-details/emerging-opportunities-in-kazakhstans-cards-and-payments-industry-market-size-trends-and-drivers-strategies-products-and-competitive-landscape

The report provides market analysis, information and insights into Kazakhstan’s cards and payments market, including:

Current and forecast values for each category of Kazakhstan’s cards and payments industry including debit cards, credit cards, charge cards and prepaid cards.
Comprehensive analysis of the industry’s market attractiveness and future growth areas.
Analysis of various market drivers and regulations governing Kazakhstan’s cards and payments industry.

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“Stop Guessing Start Selling! Your Guide to Credit Reporting and Compliance Expertise” 10-Page e-Guide is Now Available to Anyone; No Strings, No Catch, No Joke


“Stop Guessing Start Selling! Your Guide to Credit Reporting and Compliance Expertise” 10-Page e-Guide is Now Available to Anyone; No Strings, No Catch, No Joke

Stop Guessing Start Selling!

Fresno, CA (PRWEB) August 06, 2013

This downloadable 10-page eGuide is designed for dealership and lender personnel who run credit reports and collect sensible personal information. In addition to making compliance as error proof as possible, “Stop Guessing Start Selling!” includes a fail-safe list of questions every dealer should be asking their current and/or future credit report provider.

To get right to the show, the guide allows salespeople and managers to sell and close handle, not fretting about becoming legal experts.

Stop Guessing Start Selling! Your Guide to Credit Reporting and Compliance Expertise is “must have” knowledge every dealer, lender, and broker should know now, not when it’s too late.

Every employee must receive training on the Privacy Act, Patriot Act, and other federal regulations. Certain personnel are required to cognize even more and include, Lenders, Brokers, Desk Managers, Finance Managers and Directors, Dealer Principles, GM’s, Compliance Officers, Office Administrators, File Clerks, etc. The CFPB auditors do not typically hand out fix-it tickets.

Here are a few questions “Stop Guessing Start Selling!” recommends every dealer know the answer to: “Do you have access to past reports and other data when or if they are requested?” “How much time (days/weeks/etc.) will it take to retrieve stored and/or archived data?” “How long (days/weeks/years/etc.) is the data retained?” “Where is the sensitive data actually located?” “Is all data backed up nightly?” and more.

“Stop Guessing Start Selling!” was created to take the guess work out of becoming compliant and staying compliant. Every dealer has the right to know what’s required to be provided, when to provide it, and how to implement appropriate processes without guessing, assuming, or ignoring all together. CBC spends countless hours working with dealers on credit report and compliance requirements and solutions. The industry needs to be aware that the objective behind the regulations are to protect consumers and dealerships from expensive lawsuits, lost, disgruntled, or unfairly treated customers; which is good for everyone. It’s no mystery that every dealer in the U.S. must comply.

Credit Bureau Connection has roots in the credit reporting, regulatory compliance, sales, desking, and F&I system development fields dating back to the early 1980’s. Credit Bureau Connection (CBC) has become a recognized industry leader in forward thinking credit report and compliance solutions. CBC is one of only a few authorized resellers to the automotive industry for all three credit reporting agencies: Experian, TransUnion, and Equifax. CBC has established long-term partnerships with each of the credit reporting agencies. CBC is a technology oriented company focusing on superior customer service, providing state-of-the-art solutions for automotive related clients, utilizing high-end servers and hardware, managed in the most secure and redundant data centers in the world, utilizing proven web-based software technologies.


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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.



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Why do all three credit scores differ from Transunion to Experian?


Question by Robert: Why do all three credit scores differ from Transunion to Experian?
So, I went on to Transunion and pulled all three credit (Transunion, Experian and Equifax) and the did the same at Experian. On Experian the scores are 100 points lower. For example my Experian score on TU is 707 but on EX its 569. Shouldn’t their scores be the same no matter where you pull them from? Who do you believe?

Best answer:

Answer by rick29148
You have to remember that the three are businesses & that they make their $ $ $ selling those numbers to their clients. So, they get the info from the businesses that buy their services. Most companies will subscribe to one of the credit reporting bureaus, but not all three – Just to much $ $ $ . So your score will vary between the three depending on where the guys you owe $ $ $ to report you to.



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For The Love Of A Good Fight ? Queendom.com’s Study Reveals That Arguing In Relationships Isn?t Necessarily A Bad Thing


For The Love Of A Good Fight – Queendom.com’s Study Reveals That Arguing In Relationships Isn’t Necessarily A Bad Thing

Fighting with a partner is one thing…struggling unclean is another.

Montreal, Canada (PRWEB) August 21, 2013

Fighting with a partner is one thing…combat-ready dirty is another. Queendom.com’s study of 27,643 people who took their Arguing Style Test reveals that couples who take a negative approach to fighting, both in terms of attitude and technique, are more likely to experience a break-up as a result.

Conflict, arguing, fighting. They are worded so intertwined with negativity that they can’t be interweave apart. See a couple active in public and populate will stare. Hear neighbors arguing through an open window and the surrounding house suddenly get suspiciously quiet as they listen in. But everyone does it – so why is it a problem?

Researchers at Queendom.com as well as 65% of populate they studying agree that arguing can be healthy in a relationship (at least to some degree), but there is one caveat: How a couple fights – each individual’s “arguing style,” that is – can mean the difference between healthy conflict resolution and an all-out, spiteful war of words.

Analyzing data from more than 27,000 people who took their Arguing Style Test, Queendom’s statistics indicate that people who have had a fight that directly led to the demise of a romantic relationship were more likely to use negative fighting tactics or to fight “dirty” (score of 59 vs. 49 for those who have not had a relationship-ending conflict – on a scale from 0 to 100). They also had a more negative attitude toward conflict itself, indicating that they are more likely to believe that nothing can be gained or learned from fighting with their partner.

Queendom’s study also revealed that of those who have had arguments that lead to break-ups:

    31% refuse to be the first one to apologize after a fight (compared to 24% for those who have not had a relationship-ending fight).     33% point out their partner’s faults/character flaws (compared to 20% of those without history of “terminal” fights).     38% will purposely “hit below the belt” and make criticisms that they know will hurt their partner (compared to 24% of non-terminal fighters).     42% swear/cuss when they fight with their partner (compared to 27% of non-terminal fighters).     45% allow old grudges to resurface when arguing (compared to 33% of non-terminal fighters).     47% make up right away after a fight (compared to 57% of non-terminal fighters).     47% will accept their partner’s feelings and opinions, even if they don’t agree with them (compared to 56% of non-terminal fighters).     51% said that when they fight, they want to be the one who wins, no matter what (compared to 44% of non-terminal fighters).     60% will bring up ALL the issues that are bothering them at once, rather than focusing on the issue at hand (compared to 47% of non-terminal fighters).     62% tend to raise their voice when upset (compared to 50% of non-terminal fighters).     66% will admit when they are wrong (compared to 72% of non-terminal fighters).

“Arguing can be a way for a mate to grow and better understand one another – and despite what some couples might think, there are ways to fight constructively,” explains Dr. Ilona Jerabek, president of the company. “It’s not a matter of determining who is right and who is wrong, but rather, clarifying why the issue you are fighting over is important, and how you both stand to benefit by resolving it. The belief that happy couples do not or should not fight is false, if not unhealthy. People who are satisfied with their relationship still have their disagreements, but they talk things out, listen to each other’s side of the story, find common ground, focus on finding a mutually-beneficial solution, and speak with tact. And if things get too heated, they take a break, and wait until they’ve calmed down before taking up the discussion again.”

So what are the ground rules for constructive fighting? Here are some tips from Queendom.com:

    Don’t try to avoid confrontation at all costs. This results in a buildup of unresolved combusting and frustration for both parties. Sulking and denial do not accomplish anything, as your partner might interpret your avoidance as a miss of interest in topics that affect your relationship. Besides, bottled-up frustration will find its way out one way or another, whether it’s snide remarks, sarcasm, or other forms of passive aggression.     Don’t assail your partner’s character. Instead, discourse specific behaviors and how you feel about them. While character traits are difficult to change, specific behaviors can be modified, which makes the criticism easier to digest and less threatening. For example, instead of saying, “You are such a lousy parent”, say, “I disagree with the way you censuring our kids.” Or, instead of saying, “You never spend any clocking with me,” say, “I miss spending time with you.” Using “I” phrases makes the statement level-headed less accusatory, which is less likely to put your partner on the defensive. By the way, simply inserting “I feel that …” into hurtful comments is not going to cut it. “I feel that you are a lousy parent” is just as offensive. The point is to use non-threatening, non-dismissive language and focus on changeable behaviors, rather than stable character traits.     Figure out what the fight is really about and focus on it. It’s never really about the dirty socks on the floor or the toilet seat being up. That’s but an outlet for the bottle-up frustration or the last plop in an overflowing glass of hurt experiencing. Conflicts typically stem from deeper inherent issues … the issue with the dirty socks, for instance, tinned be about being taken for granted or being handle like a maid. Failing to put the toilet seat down is about lack of consideration in general, not specifically about the indignity of falling butt-firstly into the bowl. So figure out what is REALLY bothering you, and focus on the issue at hand – and leave past issues and indiscretions in the past.     Try to understand how your supply sees the situation. Don’t make assumptions about your supply’s motives and don’t put words into his or her mouth. Your assumptions may or may not be right. Rather, put yourself in his or her shoes and perceive with an open mind. We tend to focus on our possess interpretation of events. Try to see things from your partner’s perspective, and you’ll gain a more thorough view of the issue. Just similar you, your partner has the correct to glimpse things differently. An uncomplicated reality check can go a long way and may clear up the real intention behind the “offensive” remark or action. A direct question may reveal that your rendered simply made a bad jested, forgot to do something, or snapped at you because s/he had a badly day … or just wasn’t really thinking at all.     Admit your mistakes. Unless you are Marge Simpson, it is likely that you both share the responsibility for your couple’s conflicts. It may be your partner who initiated the argument (with words or actions), but you might still be guilty of overreaction, misinterpretation or generalization. Take responsibility for your own actions and feelings. It can be hard to face your own shortcomings but your partner will likely appreciate your honesty. Your partner will become less defensive when he/she sees that you are not blaming everything on him or her.     Take a time-out if things get too heated. You may have gotten this recipe for a successful relationship from well-meaning relatives and friends: “Never go to bed angry.” If you did hear this pearl of wisdom, forget it – it’s a bad one. If you can resolve the conflict and make-up before you hit the sack, great, but don’t push it. Sticking to such advice at all cost often results in protracted arguments, where emotions are running high, neither partner is thinking straight nor listening to what the other has to say, and both of you are rehashing the same points over and over. Tears are flowing, as are accusations and swearing. When that happens, it is simply counterproductive to continue. Instead, postpone the resolution (but do agree on when you will resume), act a solo walk or go to sleep. You might gain a better perspective once you sleep on it, and the insurmountable release of yesterday may suddenly seem less ominous.     Accept that some published just can’t be resolved in one argument. If you encounter a complex issue (such as infidelity), make sure that you both understand that the topic will have to be addressed again and again, and it may take months if not years to reestablish trust and companionship. If there doesn’t seem to be much progress or if you feel like you’re going in circles, consult a professional who can help guide you through the issue. “Any long-term relationship will involve conflict, no matter how much the partners love each other,” concludes Dr. Jerabek. “Contrary to the myth of conflict-free marriages, constructive arguments are healthy, as they clear up the air, resolve the inevitable disagreements, and as a bonus, often times help to reignite the passion in a stale relationship. The trick is to learn how to argue effectively and to fight fair.”

The Arguing Style Test tinned be taken by anybody interest at: http://www.queendom.com/tests/take_examine.php?idRegTest=673

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