CREDIT RESTORATION "Make Good Credit A Reality"
Information
Take the Time to get your credit restored for the new year. 2008 was a very hard year for most of us but today we are here to help you change your life in 2009 "Make Good Credit A Reality"
Website: http://www.vrtmg.com/rlaw2
Members: 55
Latest Activity: Sep 16, 2011
Discussion Forum
Debit Card
Started by Ro Mar 23, 2009.
SOME BASIC TIPS TO START WITH 4 Replies
Started by FREIDA. Last reply by Ro Jan 22, 2009.
Comment Wall
Comment
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Comment by Desmond and Tawanna Collins on October 4, 2010 at 6:25am -
If you pay more than $39.95 per month for unlimited talk and text then you should check this out www.techsoftmobile.com/TeamFFN
Techsoft Mobile provides wireless service, great new phones, international calling plans and the part, your own home based business with your own website for the sale of products for retail.Keep your same number, use the same phone and move from contract to prepaid. Our cell service plans start as low $39.95 a month and that plan comes with Unlimited talk and Global text!
No contract
No credit check
Up to 70% less
Flat rate with no extra taxes and unexplainable surcharges!
Techsoft Mobile has service plan contracts with: Sprint/Zapp Unlimited/Virgin
Mobile/AT&T/Simple Mobile/Air Voice/Verizon/Page Plus/Boost Mobile
Daystar/H20/Rogers/Satlink/Tracfone/TSM International/Red Pockets Mobile and more!
Desmond J. Collins
Independent Representative for TechSoft Mobile
803-479-3895 mobile 803-865-9412 office
If you want to get paid from your cellphone check out
www.techsoftmobile.com/TeamFFN or http://www.youtube.com/watch?v=_4yxEZ-YXCI
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Comment by Big Willie Style on January 15, 2010 at 1:57pm
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Comment by Casey Robinson on September 8, 2009 at 10:49am -
If you are looking to explode your business or get your service or product in front as many people as possible in a short period of time please contact me for more information.
Casey Robinson
infiniti.group.llc@gmail.com
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Comment by Ro on March 23, 2009 at 10:09pm -
1. Do you think the United States is in a recession?
2. Were you or anyone you know affected by the "Mortgage Meltdown?
3. Have your company had any layoffs in the past 12 months?
4. Do you have a "Plan B" in the event you are laid off?
5. If "No", do you keep your options open?
6. If you could get paid for helping a friend or a family member restore, build, protect, and establish credit. Would you be interested in knowing how?
7. Are you or anyone you know a victim of Identify Theft?
If you have more yes’s than no’s you need to give me a call or email me at lawrochelle08@yahoo.com
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Comment by Ro on February 25, 2009 at 10:54pm
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Why Is Our Service So Important?
Consumers may be rejected for loans or jobs based on mistakes in their credit reports and not even know it. In a recent study, 79 percent of credit reports reviewed contained either serious errors or other inaccuracies in regard to trade account and personal information. What's more, there's a one-in-four chance your credit report contains an error serious enough to cause you to be denied credit. According to recent data, identity theft strikes more than 700,000 Americans each year and is growing at the mind-boggling rate of 40 percent annually. Our credit restoration service allows you the opportunity to review your credit file and identify and proactively challenge any accounts that do not belong to you.
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Comment by Ro on February 25, 2009 at 10:53pm
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Our Credit Restoration Service
United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.
As a consumer, you already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at the best possible interest rates. If you have been denied credit, would like to lower your interest rates, or would simply like to remove inaccurate information from your credit reports, our service can help.
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Comment by La Mont Gilbert on January 29, 2009 at 9:33pm -
THIS IS GUARANTEED TO GET YOU "1 MILLION VISITORS" TO ANY SITE YOU HAVE---"FREE"
IT IS TO YOUR BEST INTREST TO LOOK AT THIS!
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Comment by Cassandra Smith on January 28, 2009 at 2:02pm -
FYI Family.....................
How to Get $78 From Bank of America
If you were hit with an overdraft fee from Bank of America (BAC: 7.33*, +0.83, +12.76%) (or one of the banks it acquired) between 2000 and 2007, you may be in for a little cash.
Bank of America recently settled a class-action lawsuit that alleged it (and by extension, Fleet Bank, LaSalle Bank and U.S. Trust Company, which it acquired during that period) changed the posting order of transactions and embarked on other activities in order to increase the revenue it received from non-sufficient funds fees, overdraft fees and similar charges. The lawsuit, which was settled for $35 million, also alleged that the bank failed to warn customers that certain transactions were triggering fees. Even though Bank of America denies any wrongdoing, it is agreeing to pay up to $78 per account holder.
That amount, however, is only a fraction of the $368 the average household pays for overdraft fees each year, according to Bretton Woods, a financial services advisory firm.
Invoking fees has turned into a booming business for the banks. Banks and credit unions brought in more than $37 billion in overdraft fees in 2008. Increased competition for deposits amid the credit crunch and rising defaults has led banks to rely more heavily on fee revenue than on income from loans, explains G. Michael Flores, CEO of Bretton Woods. “They have to bid down on what they charge for a loan and bid up on what they offer in interest [on savings],” he says. And there are even a few banks that have squeezed the margin so much that fee income is all they have.
As a result, banks are making it so easy to trigger fees that even diligent checkbook-balancing consumers are being forced to pay up for overdrafts, non-sufficient funds and returned checks. Most banks, for example, reorder daily transactions so that purchases clear in order from largest to smallest, with any deposits posting last. “Right now, consumers don’t have a choice whether to use this unsolicited line of credit or not,” says Chi Chi Wu, a staff attorney for the National Consumer Law Center, a consumer advocacy group. “They often trip it unknowingly.”
Consumer advocates are hopeful that the Federal Reserve will soon pass rules governing overdraft fees. Before the Fed passed new credit card rules in December, it withdrew a section allowing consumers to opt out of a bank’s overdraft protection. The Fed has said it plans to re-address overdraft fees as a separate issue sometime this year.
In the meantime, there’s no downside to claiming a little free money from fees already incurred. Here’s how Bank of America customers can qualify for and claim the cash:
Deadline: May 1, 2009.
Eligibility: Payouts are for account holders at Bank of America or its acquired banks. You must have been charged an insufficient funds fee, overdraft fee, returned item fee, or similar fee within a set period of time: Bank of America (Dec. 6, 2000 through Dec. 31, 2007), Fleet Bank (April 1, 2004 through Dec. 31, 2007), U.S. Trust Company (July 1, 2007 through Dec. 31, 2007), or LaSalle Bank and LaSalle Bank Midwest (Oct. 1, 2007 through Dec. 31, 2007). During that time, you must also have had access to your account through a debit or other bank card.
Payout: Up to $78 per claimant, depending on the number of claims.
Filing Procedure: Fill out the forms online, or print out a version to mail in. Simply provide your name, address, telephone number and a few details about eligibility (dates you were a customer and the eligible account number). You do not need to detail specific instances when you were charged a fee. If you’d rather not send your account number, you can specify your home address at the time you believe a fee was incurred.
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Comment by Cassandra Smith on January 24, 2009 at 6:25pm
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Hello Family:-) It is truly wonderful to see groups such as this formed to keep us up to speed with this type of information. Because credit and finance impacts and affects our way of life daily, it is important that we know our rights and take action immediately when the negative actions of creditors and like threaten to harm progress from day to day hard working people.
As I browsed some of the comments and notes in the group I noticed some were looking for information regarding hospital bills and like creditors. I worked in banking and consumer lending for 15 years and if you all don't mind I would like to spread a little knowledge......Most delinquent Medical bills, student loans, or open lines of credit items are usually sold to collection companies within 180 days of delinquency for approx. 30 to 40 cents on the dollar. Which means you can negotiate settlement with the collection agency for this or a lessor amount. More importantly, open-ended lines of credit have a 3 year statute of limitations by which they can collect the debt. If after 3 years of no collection of payment you have the right to request that the provide "proof of debt" (you can actually do this at any time and they must show you your signture of committment to the debt). If they can not, you can request a "cease and desist" of negative reporting on your name and social security likeness immediately. Your letter of "cease and desist" should be cc'd to all 3 major credit reporting agencies (making the reporting agecies aware of the dispute and the collection agency's lack of proof of debt. Once the reporting agencies have this information they are federally required to discontinue "incorrect" reporting and information the the collection agency is sending them.
Family, I am very well versed on credit and collections Federal laws and regulations. If you have any questions, just holla. I'm always willing to help my folks:-)
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