Debt Management Credit Counseling Corp
Monday, October 26th, 2009
DMCC featured on Close-Up TV NEWS
Duration : 0:9:50
Posts Tagged ‘cards’
Credit Scores & Reports : How to Repair My Credit Rating
Tuesday, October 20th, 2009
Repair a credit rating by repairing any inaccurate information on a credit report, lowering the debt-to-income ratio and avoiding over-extending finances. Pay debts on time and in the correct amounts to boost credit scores with tips from a certified financial consultant in this free video on credit counseling.
Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz
Duration : 0:1:59
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How To Fix My Credit | Raise My Credit Score
Saturday, October 17th, 2009
How To Fix My Credit Rais My Credit Score
htttp://www.KaydemCreditHelp.com
Call us: (866) 237-0013
If you want to fix your credit, raise your credit score and work with a Credit Repair Company that can help, then you found the right Video. Welcome to Kaydem Credit Help …
Duration : 0:1:29
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Dave Ramsey – Credit Card/Debt Collectors are SCUM
Saturday, October 17th, 2009
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.
IT IS NOT AGAINST THE LAW TO OWE MONEY!
Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.
KNOW YOUR RIGHTS UNDER THE FDCPA:
Collectors can NOT call you before 8 am or after 9 pm
Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay
Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)
Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)
For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)
To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…
Duration : 0:5:56
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Raise Your Fisco Score
Thursday, October 8th, 2009
http://rent2ownpad.com/ 530-878-4943 John Schepcoff
Global Resorts Network is First-Class value All the Way. How would you like to retire this year, still make more money than your Doctor, Attorney or your CPA. Well You can! Once You tap into this virtue Gold Mind of people, who are begging you for what you already have. Not only that you can… you can rake in a $1,000 dollars per sell… for now and forever. You see the first step to understanding how to fill the multiple 7 figure income… is understanding the first rule of home business.
When you apply for credit — whether for a credit card, a car loan, or a mortgage — lenders want to know what risk they’d take by loaning money to you. FICO scores are the credit scores most lenders use to determine your credit risk. You have three FICO scores, one for each of the three credit bureaus: Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well. Your 3 FICO scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time. Taking steps to improve your FICO scores can help you qualify for better rates from lenders.
For your three FICO scores to be calculated, each of your three credit reports must contain at least one account which has been open for at least six months. In addition, each report must contain at least one account that has been updated in the past six months. This ensures that there is enough information — and enough recent information — in your report on which to base a FICO score on each report.
http://rent2ownpad.com/
Duration : 0:10:0
Raise Your Fisco Score
Thursday, October 8th, 2009http://rent2ownpad.com/ 530-878-4943 John Schepcoff
Global Resorts Network is First-Class value All the Way. How would you like to retire this year, still make more money than your Doctor, Attorney or your CPA. Well You can! Once You tap into this virtue Gold Mind of people, who are begging you for what you already have. Not only that you can… you can rake in a $1,000 dollars per sell… for now and forever. You see the first step to understanding how to fill the multiple 7 figure income… is understanding the first rule of home business.
When you apply for credit — whether for a credit card, a car loan, or a mortgage — lenders want to know what risk they’d take by loaning money to you. FICO scores are the credit scores most lenders use to determine your credit risk. You have three FICO scores, one for each of the three credit bureaus: Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well. Your 3 FICO scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time. Taking steps to improve your FICO scores can help you qualify for better rates from lenders.
For your three FICO scores to be calculated, each of your three credit reports must contain at least one account which has been open for at least six months. In addition, each report must contain at least one account that has been updated in the past six months. This ensures that there is enough information — and enough recent information — in your report on which to base a FICO score on each report.
http://rent2ownpad.com/
Duration : 0:10:0
Credit & Debt Consolidation : Raise Credit Score
Saturday, September 26th, 2009
Better credit leads to better interest rates and a raise in credit score. Learn about raising a credit score from a registered financial consultant (RFC) in this free personal finance video.
Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC
Duration : 0:1:23
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Debt Consolidation a SCAM?
Saturday, September 26th, 2009
Most debt consolidation companies do nothing better than simply ruin your fico score in order to settle your debt. If you really want to work with an agency that will help you reduce your debt, contact a company member of “CONSUMER CREDIT COUNSELING SERVICES” (CCCS)
More info at:
sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/
micasamidinero.com/2008/reparo-credito-eliminando-legalmente-cuentas-negativas/
Duration : 0:9:22
Credit Scores & Credit Cards : How to Increase Your Credit Score by 100+ Points
Saturday, September 26th, 2009
To increase your credit score by a 100 points or more, pay your bills on time, dispute inaccuracies on credit reports and pay off credit card balances completely. Increase your credit score with tips from the vice president of a bank in this free video on credit counseling.
Expert: Stephen Fawehinmi
Bio: Stephen Fawehinmi is the vice president of business banking at the Bank of Nashville in Nashville, Tenn. He has been a lender for more than 10 years.
Filmmaker: Dimitri LaBarge
Duration : 0:1:29
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CREDIT REPAIR: Insider Technique to Improve Credit Score Fast
Saturday, September 26th, 2009
http://www.CSBCards.com ———
24hr Recorded Message: 1-801-804-7585
CREDIT REPAIR VIDEO
Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast!
What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…
While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.
Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this.
One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.
How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.
Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:
1.) The “High Credit Limit”
and
2.) Your “Debt to Credit” Ratio
Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).
Get it? Good.
Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).
Keep in mind, your high credit limit is comprise ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.
A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?
That is the question….
The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!).
These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.
We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:
http://www.CSBCards.com
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Duration : 0:9:12
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