Posts Tagged Offers
The Search For What Is a Good Credit Score: The Credit Community Offers Its Answer
Posted by admin in Consumer Credit Counseling on January 25, 2012
The Search For What Is a Good Credit Score: The Credit Community Offers Its Answer
Palouse, WA (PRWEB) October 12, 2011
Palouse Credit Consulting, known for its fresh approach credit repair program where you only pay after you see the results, is today announcing their newly released credit repair guide, “Your Credit … Only Easier.”
“This is a free eBook to help you better understand your credit, and what exactly makes your scores go up or down,” said Grant Presol, credit consultant/owner of Palouse Credit Consulting and creator of the website http://www.thecreditcommunity.com.
Among the contents of this ebook, readers will find information dealing with…
How to get a truly free credit account How to ADD a new trade line Credit Report Dispute Strategies, and much more.
Palouse Credit Consulting credit repair program includes credit bureau disputes, as well as comprehensive counseling services. “Our credit repair program is ideal for anyone interested in existent, honest and lasting credit improvement,” said Grant.
In a clocked where Americans are asking “What is a good imputed score?” there doesn’t seem to be a clear answer. “I’ve worked with many clients, and the major concern is what is “good decent” when it comes to a credit score? There’s no short answer to that question, so I decided to build TheCreditCommunity.com to try and answer that question in detail,” explained Grant. “There’s too many “too good to be true offers” out there. I wanted to provide a website with free answers, gratis guidance.”
Consumers are looking for answered about their credit in many dissimilar industries. The auto industry, mortgage lending industry, even the insurance industries. In some cases, a credit score has an impact on insurance rates or even future employment. “Your credit score is an amazing money saving tool, a wealth building tool, as well as a life building tool. You should larning about it, and utilize it to its fullest.” said Grant.
For further information about the advantages of repairing credit scores by yourself, or to get some credit repair guide tips that could help you facilitate repair of credit hit, please contact: Grant Presol, Credit Consultant/Owner, 509-878-1444, grant(at)thecreditcommunity(dot)com, or visit TheCreditCommunity.com.
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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.
Prepare for Black Friday and Cyber Monday: Consolidated Credit Counseling Services, Inc. Offers 10 Tips to Curb Overspending
Posted by admin in Credit Counseling on January 7, 2012
Prepare for Black Friday and Cyber Monday: Consolidated Credit Counseling Services, Inc. Offers 10 Tips to Curb Overspending
Ft. Lauderdale, FL (PRWEB) November 16, 2011
Black Friday and Cyber Monday shopping are expected to soar as 225 million consumers flock to retailers and websites to try to land the best deals. With the average person spending about $ 700 on holiday gifts this year, the money experts at Consolidated Credit Counseling Services, Inc. offer 10 tips to curb overspending this holiday season.
“Consumers must remember they may end up in worse shape in the hanker-run, by overspending this holiday season,” warns Howard Dvorkin author and founder of Consolidated Credit Counseling Services, Inc., a fiscal literacy provider that has helped more than 5 million Americans pay forth their credit card debt. “The retail industry spends billions of dollars every year to influence Americans to think they need certain corporeal things to be happy. When people buy into manipulative marketing tactics, they aren’t as conscious of their spending and how large their debt will be,” says Dvorkin.
Consolidated Credit offers 10 tips to curb overspending:
1. Make a plan – Consumers are advised to make a list of who they are shopping for and what items they plan to buy for people on their name. Planning helps individuals from getting distracted by “bargain” ploys.
2. Create a budget – Use Consolidated Credit’s holiday spending planner worksheets to intend holiday spending. Know ahead of time exactly how much is in the budget. As items pile up in shopping carts, shoppers should keep a running total. For vacationing shoppers with children, aid them set a budget for gifts and prioritize their buying within that budget.
3. Check return policies – Stores are cracking down on their return policies this vacation. Even with a receipt, shoppers may find it difficult to make an exchange or get a refund. Read and inquire about a store’s return/exchange policy before purchasing anything duplicate check if the online policy is the same as in-binning. Shoppers are also advised to know the ins-and-outs of their credit card provider’s fraud protection in the case of theft.
4. Mobile apps – Mobile apps can save significant time and money. Free mobile shopping apps this holiday season are: Shopkick (Android and iPhone), RedLaser (Android and iPhone), Google Shopper (Android), ShopSavvy (Android and iPhone), Points Inside (Android and iPhone) and Key Ring Rewards (Android and iPhone).
5. Beware of shipping costs – Cyber Monday deals may seem sweeter than they actually are if you forget to consider shipping costs. Many retailers may levelling ship multiple items – individually incurring separate send fees. Try purchasing from sites such as Overstock.com where only one shipping fee applies or BestBuy.com which offers loose shipping done the holiday flavour.
6. Pay with credit – Credit cards are good when used responsibly. Shopping with plastic offers greater security protection. If there are problems with purchases, consumers may be able to get their credit card companies help in obtaining a refund. Plus, if they have a credit card reward program, they could rack up points while shopping.
7. Know sizes and measurements – Shopping for clothes or shoes online can be tricky, it is important to know exact measurements and sizes. We recommend shoppers buy brands that they are familiar with.
8. Shop reputable websites – Shop familiar online retailers. When shopping on a website that is not good-known, we advise to search the place and be cautious. Online shoppers must understand that when they give their credit card information there is always an amount of venturing. Never shop online without a secure and private Internet connection. Shopping via WIFI connections at public places is a no-no when it comes to online buying. Look at the URL of the website — if it starts with https:// you’re on an unafraid page, without the s the connection is unlatched.
9. Shop the day before Black Friday – Many retailers prove out a sale to see if it will be successful. For example, Target stores across the country will be open Thanksgiving from 8 a.m. to 2 p.m. testing out shopping intentions. Always ask in advance about any possible pilot sales, especially when shop for big ticket items.
10. Safety first – Take safety precautions and watch your personal belongings at all times. Mentally locate the nearest security office or officers in case an emergency occurs. For distaff shoppers, carry cross-body purses that cannot be easily snatched by thieves. Stores are not responsible for lost or stolen items — it’s up to the individual to be aware of his/her surroundings.
For more holiday tips, visit Consolidated Credit’s personal seed blog Miss Money Bee.
About: Consolidated Credit Counseling Services, Inc., founded in 1993, is one of the nation’s largest credit counseling organizations in the country and has helped over 5 million people with financial issues. Their mission is to help families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.
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Attachments
©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Cambridge Credit?s Latest Transparency Report Offers Insights into Americans Seeking, and Succeeding on, Debt Relief Programs
Posted by admin in Consumer Credit Counseling on July 19, 2011
Cambridge Credit’s Latest Transparency Report Offers Insights into Americans Seeking, and Succeeding on, Debt Relief Programs
Agawam, MA (PRWEB) June 29, 2011
Cambridge Credit Counseling today released its second Debt Relief Performance Report. The report is a key component of Cambridge’s “Transparency Project,” a campaign to empower consumers, create an industry standard for reporting client performance data, and educate policymakers about the value consumers receive through debt relief programs.
Among the more interesting aspects of the 2nd Transparency Project release is the reported increase in individuals seeking assistance due to loss of income. In 2010, roughly half (49.5%) of the individuals who reached out to Cambridge for help had lost some or all of their wages. In the first quarter of 2011, that number skyrocketed to 62.4%.
“Although the economy has haled many consumers to fasten their spending, they are great to manage their debt,” noted Cambridge’s President Christopher Viale. “The biggest challenge that consumers face is finding reliable assistance; thankfully, there are many reputable non-profit services ready to help.”
Cambridge’s report (http://www.cambridge-credit.org/transparancy.html) defines a variety of key measures that collectively enable consumers to gauge the typical results of working with the agency. Statistical highlights of Cambridge’s latest report include:
96.87% of Cambridge clients’ common creditors are properly enrolled by their 4-month audit. The average initial fee for First Quarter 2011 enrollees was $ 39.96. The average monthly fee for First Quarter 2011 enrollees was $ 25.22. Cambridge waived or reduced 31.94% of initial fees and 36.29% of monthly fees in the First Quarter. 90.4% of new clients continued to develop their budget. 93.5% of new clients were tracking their expenses. 81.3% of new clients also develop a plan to build savings. 75.% of long-term clients had revised their budget within the last 6 months. 88.2% of long-term clients had tracked their expenses during the last 6 months. 31.3% of long-term clients were able to build savings during the last 6 months.
The intention of the agency’s Transparency Project is to help create an open and honest environment within the debt relief profession, and it is Cambridge’s hope that that these efforts are reviewed and embraced by other companies. Cambridge once again invites any agency with questions about this initiative to contact them at (888) 694-7491, or at transparency(at)cambridgecredit(dot)org.
About Cambridge Credit Counseling
Cambridge Credit Counseling Corp. is a professional housing and credit counseling agency dedicated to improving the financial literacy of young adults, and to providing financially distressed Americans with education and debt management services appropriate to their needs. Visit Cambridge Credit Counseling online at http://www.cambridgecredit.org. To larning more about Cambridge Credit Counseling’s community initiatives, please visit http://www.youtube.com/CambridgeCredit.
Contact:
Christopher Viale
Cambridge Credit Counseling Corp.
413.821.6919
cviale(at)cambridge-credit(dot)org
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Attachments
©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Cambridge Credit Offers Free Financial Literacy Webisodes To Help Americans In Trying Financial Times
Posted by admin in Consumer Credit Counseling on June 18, 2011
Cambridge Credit Offers Free Financial Literacy Webisodes To Help Americans In Trying Financial Times
Agawam, MA (Vocus) April 29, 2008
In an effort to broaden the reach of its educational programs, Cambridge Credit Counseling has begun offering free video broadcasts of webisodes from its Learn Now or Pay Later financial literacy series. The first installment of the series has been posted on Cambridge’s YouTube page, which can be accessed by visiting http://www.youtube.com/CambridgeCredit. Each webisode offers advice to consumers dealing with basic credit and debt issues, knowledge of which have become increasingly important as the nation’s economy continues to slow.
“Social networking sites have an outstanding potential to assist create a more financially literate society,” notes Christopher Viale, president of Cambridge Credit Counseling Corp. “In light of the critical concerns facing consumers these days, this series is a perfect resource for individuals who need practical advice they can immediately incorporate in their financial plan.”
Cambridge’s Learn Now or Pay Later webisodes will be posted weekly, with the first installments concerning topics such as credit reports and scores, budgeting, identity theft, and dealing with bill collectors. Consumers are encouraged to subscribe to the series, which is free, so they may receive notification of the latest posts as they are made available.
“This public service series is testament to Cambridge’s commitment to providing financial education,” continued Mr. Viale. “The American public needs practical advice to survive the challenges we face as a nation, and Cambridge is proud to serve.
About Cambridge Credit Counseling Corp.:
Cambridge Credit Counseling Corp. is a professional debt counseling agency, dedicated to educating young adults on the importance of sound financial management and to providing financially distressed Americans with education and debt management services appropriate to their needs. For more information on this article or to schedule an interview, please name 413-821-6919.
Visit Cambridge Credit Counseling Corp. online at http://www.cambridgecredit.org. To acquire more about Cambridge Credit Counseling Corp. and the community, delight visit http://www.youtube.com/CambridgeCredit. For more helpful information, watch away the Cambridge Credit Counseling Corp. Financial Literacy blog at http://www.cambridgecredit.blogspot.com.
Contact:
Thomas Fox
Cambridge Credit Counseling Corp.
413.821.6919
tfox @ cambridgecredit.org
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
A New Horizon Credit Counseling Offers Tips – What To Look For
Posted by admin in Consumer Credit Counseling on May 11, 2011
A New Horizon Credit Counseling Offers Tips – What To Look For
Fort Lauderdale, FL (PRWEB) February 2, 2010
A New Horizon is a well established Credit Counseling company with over 14 years experience as a non-profit organization assisting individuals and families from all walks of life in regaining control of their finances. This is accomplished utilizing Financial Literacy training and a host of programs to counsel and educate individuals on the responsible use of credit along with a structured debt management plan to assist them in paying off their existing debt.
A large number of consumers have a lot of credit card debt and bad credit. These consumers will have trouble fixing their debt problems on their own. This is where credit counseling can help. It is available across the country to help people confront their bad credit and debt problems. One thing to realize is not all credit counseling companies are the same. There are some steps consumers can do to find a reputable credit counseling company:
First, make sure a company’s counselors are “certified” credit counselors and second, talk to the Better Business Bureau, state attorney general and local consumer protection groups that receive complaints against credit counseling agencies and make them available to the public. If the credit counseling company has many complaints that are unanswered or unresolved then staying away from them would be a wise thing. Third, ask the payment structure of the debt program; it is important to ask what the program will cost you in fees, and to ask questions to make sure payments get to creditors on time.
Consumers should beware of open promises like; we can lower monthly payments 60% and we can remove items from your credit report. Reputable credit counseling companies will not make these claims. When selecting a debt consolidation company be sure that the company offers financial literacy including teaching you budgeting techniques and providing financial education to assist consumers with the goal of getting out of credit card debt.
If you would like more information on Credit Counseling you can contact A New Horizon Credit Counseling Services who may be reached at (800) 556-1548 or slieberman(at)anewhorizon(dot)org A New Horizon Credit Counseling Services http://www.anewhorizon.org .
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.