Women, whether we like it or not, control our lives. If you have a woman or multiple women in your life, whether it be a spouse, girlfriend, daughter or even just a close friend; she controls pretty much all aspects of your life, whether you realize it or not. Fact By 2014, women will control 65 percent of global spending and more than 80 percent of U.S. spending. Now you know where all your money will go! Women Control the World’s Money According to She-Economy.com, women account for 85% of … [Read more...]
The “Jr.” vs. “Sr.” Conundrum When it Comes to Personal Credit
You’re a new parent, you’re looking for a name for you new son. What better idea than to carry on the family name than to name your son after you. So little Johnny Jr. is born and you live a life of blissful pride as you watch your namesake grow and mature. “What a beautiful and enduring legacy we have created, right dear?” WRONG! So What’s The Problem? The problem is the credit reporting bureaus are extremely automated and if a name that is very similar and has other similar characteristics, … [Read more...]
How to Detect and Avoid Credit Repair Scams
Back when life was much simpler, when credit was in the form of a firm handshake and the person’s word that they will repay the loan, the terms FICO (Fair Isaac Corporation), CROA (Credit Repair Organizations Act), FCRA (Fair Credit Reporting Act), among others, would have seemed like a foreign language. All anyone needed to do to “fix” their credit or to gain credit in those days was to “appear” credit worthy. In the early days of credit, a person’s credit worthiness was determined by the … [Read more...]
The 6 Simple Steps To Repairing Your Own Credit
So you’ve obtained your free credit report that is allowed to you once per year via www.annualcreditreport.com and discovered that there are serious errors on your credit report. You have scoured the Internet in search for help from companies and law firms who charge a hefty fee to correct your credit. A fee such as $99.00 to start a service on top of $99.00 per month until your credit is corrected (which could take upwards of one year!) So What Do You Do Now? Load up your printer ink and buy … [Read more...]
How to Protect Your Identity For Free
Key Statistics 11.1 million adults were victims of identity theft in 2009 The total fraud amount was $54 billion The average victim spent 21 hours and $373 out of pocket resolving the crime 4.8% of the population was a victim of identity fraud in 2009 13% of identity fraud crimes were committed by someone the victim knew The Most Common Types of Identity Theft While working as a credit repair expert, I encountered many clients who were victims of identity theft of some kind. The … [Read more...]
