Credit Report Errors Effect Employment, Housing and Insurance Rates
Thousands of unsuspecting consumers discover they have errors on their credit report every day, usually when they get turned down for a loan, receive a higher than normal interest rate, get turned down for a job, or receive a higher insurance premium."Most people are aware of the need to find credit report errors, but they have no idea how to go about it. Even if they find errors on their own they feel overwhelmed when it comes to getting the errors fixed," explained Gene Fisher, credit repair consultant.Fisher's web site www.2005credit.com provides a free special report on fixing credit reports, which is also available by calling 1-800-809-5769.With over 75 percent of all credit reports containing some sort of error, the vast majority of consumers have been or will be effected by a problem with inaccurate credit history. Fisher helps people discover the errors and correct them before they face a problem."It takes time to fix the errors, so I prefer to help people before they run into a problem. Finding the problems and getting them fixed before your apply for a loan, new mortgage, new job, or insurance saves time, a lot of money, and embarrassment," said Fisher.Fisher is the owner of Fisher Equities and is affiliated with Benchmark Literacy Group Credit Educational services as an Independent Representative. He offers consumers a service that includes a 12-month clean credit checkup through the 3 major credit bureaus, Experion, Equifax and Trans Union.Studies have shown that over 75 percent of all credit reports contain mistakes of some kind, with at least 25 percent of credit reports containing errors so severe that it would cause a loan or mortgage application to be denied, according to a report by Benchmark.
Errors on credit reports may cause a variance of 50 points or more in credit scores, the number used to determine credit worthiness, which places place at least 8 million Americans at risk of misplacement into the sub-prime lending pool. Examples in erroneous credit reporting, inaccurate listings, missing satisfied loans or Mortgages, duplicate Mortgage entries and pertinent information misconstrued through data entry.The three major credit reporting bureaus routinely sell credit reports to landlords, employers and insurance companies. Insurance rates are subject to adjustment based on lower credit scores. Your credit score has an effect on your ability to gain proper employment, housing, as well as leasing of various kinds. A 2 percent error on a $100,000 mortgage equates to over $40,000 in over-payments.The Fair Credit Reporting Act guarantees the right of the consumer to dispute any inaccurate and erroneous or obsolete information that may appear on your credit report.
Fisher offers consumers the help they need to correct problems, as well as to earn additional income as an affiliate independent marketing representative. Contact:Gene Fisher - IR Eagle Literacy Grouphttp://www.2005credit.com1-800-809-5769David M. Bresnahanhttp://ThatPRGuy.com(603) 522-0148.
Private Mortgage Insurance: The Silent Fleecing
An estimated
$1.3 BILLION a year is being extracted from the pockets of hard working Americans striving to afford a house of their own.
Every day thousands are paying for mortgage insurance they don't need.If you bought a home with less than 20% down within the past few years, the housing boom may have pushed your equity over the 20% threshold, making private insurance superfluous. PMI (Private Mortgage Insurance) is a hidden insurance that lenders require low-down-payment borrowers to take out.
The insurance protects the lender against default.
This hits about a quarter of all home buyers.An act of Congress on Jan.
23, 1999 requires automatic cancellation and notice of cancellation rights once the outstanding balance of your mortgage drops below 80% of the value of your home.
But one thing you don't want to do is rely on the government to get rid of your PMI. The average term of most PMI policies is 17 years (14 years longer than needed)....
Insurance quotes > Private Mortgage Insurance: The Silent Fleecing
Private Mortgage Insurance: The Silent Fleecing
An estimated
$1.3 BILLION a year is being extracted from the pockets of hard working Americans striving to afford a house of their own.
Every day thousands are paying for mortgage insurance they don't need.If you bought a home with less than 20% down within the past few years, the housing boom may have pushed your equity over the 20% threshold, making private insurance superfluous. PMI (Private Mortgage Insurance) is a hidden insurance that lenders require low-down-payment borrowers to take out.
The insurance protects the lender against default.
This hits about a quarter of all home buyers.An act of Congress on Jan.
23, 1999 requires automatic cancellation and notice of cancellation rights once the outstanding balance of your mortgage drops below 80% of the value of your home.
But one thing you don't want to do is rely on the government to get rid of your PMI. The average term of most PMI policies is 17 years (14 years longer than needed)....
Insurance quotes > Private Mortgage Insurance: The Silent Fleecing
Downloads for Dollars Program Raises Needed Funds
(ContentDesk) September 3, 2005 -- "Downloads for Dollars" is a new program which will raise money for charities and notable causes. Designed by
DJ COA, it is designed to bring attention and support for those in need.Starting September 1st, anytime you download the song "From A Window"
by Slowmo on
iTunes, MSN Music,
and other services, thirty cents will go to help raise money for Alec's ABA therapy and school expenses.
Many of these costs are not covered by insurance and it is up to the family to pay the bill.Alec Langston is a sweet four year-old boy diagnosed with an autism spectrum disorder. 1 in 166 children are now diagnosed with autism, a frustrating disorder hindering normal development of the brain.
Autism disorders affect social interaction, sensory processing skills, cognitive functions, and the ability to communicate with others.
However, new scientific studies indicate that a combination of Applied Behavioral...
Downloads for Dollars Program Raises Needed Funds
Insurance quotes > Downloads for Dollars Program Raises Needed Funds
The Seven Deadly Tax Sins: Commonly Missed Deductions
It's that time again, the April 15 tax deadline is looming large. If youre like most people, you havent gathered all of your tax records, let alone filled your return.Before you dig in and get started, take this opportunity to first review a list of a few tax deductions to which you may be entitled if you itemize deductions but most people overlook. Many of these deductions are subject to various limitations, so consider getting professional help from your tax advisor and accountant to determine which deductions you qualify for and which items apply to your specific circumstances. Remember, there are hundreds of deductions throughout the tax laws; many of them can be quite obscure but also quite lucrative. Here are seven commonly missed deductions to keep top of mind:
- Points on Refinancing: With interest rates so low in 2003, there was a great deal of refinancing activity.
Any points you pay to refinance your home can be deducted ratably over the life of the new loan....
Insurance quotes > The Seven Deadly Tax Sins: Commonly Missed Deductions
Push Button Health is Offering Some of the Best Health and Fitness Products on the Internet
(ContentDesk) November 18, 2004 -- Push Button Health is offering the opportunity for people wanting to start a home business online, or those who want to give their online business a boost with unlimited resources needed to promote free affiliate programs, sell products with full resale rights, learn how to apply ecommerce on their websites and sell their own products, marketing tips and free tools, unlimited access to forums, learn how to start your own newsletter with access to some of the best state of the art software programs on the internet.The multi-billion dollar health and fitness industry is one of the most popular topics searched on the net today with millions of of people each day looking for information on Low Carb Dieting, Hair Loss Prevention, Arthritis Relief, Muscle Building Secrets, Sunless Tanning Guide, Healthy Dating Tips, Asthma relief, alternative medicine, alternatives to the high cost of health insurance, and so much more.With the high cost of health insurance...
Push Button Health is Offering Some of the Best Health and Fitness Products on the Internet
Insurance quotes > Push Button Health is Offering Some of the Best Health and Fitness Products on the Internet
Independent Film Focuses on Individual Forgotten by State's Largest Insurance Organization-The Newest ENRON
As State Compensation Insurance Fund celebrates it's 90th year of providing worker's compensation for injured workers, it does so with the biggest black mark and corruption ever known in the state of California. After 90 years, no significant changes have been made to keep up with today's technology or today's injuries.There are no laws that govern State Fund. There are no regulations or rules to regulate their rates.While everyone complains about them, they remain untouchable by any governmental or legal agencies. Almost Broken is the first movie made by injured workers, for injured workers. This film exposes the secrets and lies about California's biggest insurance company.
State Fund, insures over 60% of the small businesses in the state of California while making it's own rules as it goes along.
While the rates of insurance provided by State Fund have gone up, the employers are victims as well.
They too fall at the mercy of the rates made up by this company...
Insurance quotes > Independent Film Focuses on Individual Forgotten by State's Largest Insurance Organization-The Newest ENRON
Shopping at Scooter Stores
A scooter store will typically specialize in a specific type or group of scooters.
Modern scooters not only include the push scooters that require a little bit of exercise, but also feature electric and gas motorized models. Advancements in technology have made way for many physically impaired individuals to replace wheelchairs with motorized scooters and mobility scooters. Although a few models of recreational scooters can be found at the larger retail stores, scooter stores specializing in a specific type of scooter may be the best location to make a purchase.
A scooter store could specialize in a variety of recreational scooters, while another store will specialize in the mobility scooters. Retailers also offer scooter accessories to enhance the experience as well as replacement parts and service.
Any style of scooter can be purchased online for retail pricing. The current market demand for scooters makes it hard to find them at wholesale prices....
Shopping at Scooter Stores
Insurance quotes > Shopping at Scooter Stores