Tuesday, May 23, 2017

How to select the best-prepaid credit card?

Numerous company houses try to make money by providing the consumer the option of checking their particular credit history. Their particular credit scores make it possible for them to apply for the best-prepaid charge card. The credit scores are split up in five groups; 35 % for payment record, thirty percent for Debt to borrowing limit Ratio, 15 per cent Length of credit history, 10 % forms of Credit Accounts and ten percent to the Inquiries.

It is better to comprehend the pros and cons associated with the charge cards before choosing one. They are the most readily useful card designed for individuals with bad credit or no credit history as with situation of immigrants.

The advantages include

=> No credit check needed, thus final approval opportunity very high

=> Fraud responsibility security same as a poor credit card

=> simple for online acquisitions with anonymous prepaid credit card also

=> use of cash from ATM Machines

The disadvantages include

=> costly for keeping an account of a prepaid credit card

=> Transaction charges charged for expenditures and loading money

=> Very Limited information to credit bureaus, for this reason no affect your credit ratings

A few most readily useful prepaid credit card include

=> Account today

=> UP part Visa

=> Jump Card Visa

=> Mango TM ( master card prepaid card)

=> Green Dot Gold

=> Baby Phat Prepaid Visa

=> Ready debit Prepaid Visa card

=> Black Diamond Prepaid Visa

=> Silver card Prepaid Master Card

=> Prepaid Visa race card

One significant lack concerning the prepaid credit card people having bad bank cards may be the not enough option of any past credit documents, which is very important just before a sanction of that loan. The credit trustworthiness of the potential customer cannot be evaluated. Lenders tend to be ergo struggling to have a glimpse associated with the borrower’s ability and hence not aware with regards to their particular credit limitations. The correct credit score isn’t correctly considered causing likelihood of questionable financial files.

For more information on bad credit credit card yet others Details be sure to check out mastercard prepaid credit card internet site.

Discover More Prepaid Credit Card Articles


A Warning About Mortgage Renewal & Refinancing

Hi, everyone. How are you? It’s Leah Coss with The Mortgage Centre, and I wanted to talk about renewal and refinancing. You may not know this, but when it comes to, actually, renewal or refinancing, pardon me for the language, but you’re going to get screwed, really, 100 percent of the time on whatever rate you’re offered by the current lender that you’re getting your mortgage from. It is absolutely vital, it is crucial, that you do not leave your mortgage renewal to the last minute, because you need time to be able to properly get banks and lenders to compete for your rate.
In my opinion, it’s actually more crucial to have a mortgage broker working for you upon renewal than it is when you first buy the home. Reason being is banks are still going to try to be somewhat competitive if you’re a brand new homeowner. They’re going to go, “Oh, they’re buying a new home. We want to keep their business for the length of the time that they live in that home. We’d better be a little competitive.”
But there’s still always going to be that negotiation war of going, “Well, how low do you think we have to go before they agree to it?” That’s truly the mentality of your banks. That’s why, by going to a mortgage broker, they’re dealing not only with the banks, who can offer very good rates at times, but they’re dealing with all of the non banks as well. And check out other posts on the difference between banks and non banks, because it’s very important that you understand what these non banks are. They’re not bad. In fact, they’re great, because they keep the competition level high, which keeps rates lower for you.
But being a mortgage broker, we have high volumes. Therefore we get much more discounted rates than you do. Plus, we have all of the lenders competing for your rate, to make sure that you really do get the lowest rate based on the products that you’re going to need, based on your situation.
But, upon renewal, how many of you out there have reached renewal and gone, “Oh, jeez, I’ve got to renew in like two weeks”? Or the banks call you and they go, “Hey, we can take care of your renewal for you. How’s about you just sign these two pieces of paper, and you’re done. You never have to think about it again.” And so you go ahead and do that. How many of you actually think that the banks, knowing that this is the mentality out there, are going to give you a good rate?
Now, they will always tell you that they’re going to give you a discounted rate, and that’s because they are. It’s because nobody offers posted rates. Posted rates are just these benchmarks to measure things by. But the discounted rate that they offer you is by far not their best rate. And they will never offer you their best rate unless they feel like they’re in a competitive position, where someone else is actually vying for your mortgage.
By using a mortgage broker, upon renewal, first off, if you have a mortgage broker already, then they should be a good mortgage broker, which means they’re contacting you six months out from your time of renewal to make sure that you’re getting the process started. But bare minimum, you need about three months to be able to properly do a renewal. And if it means we’re going to be switching you to another lender, great. If not, and we’re renewing, well, then at least we’ve got to get those rates bidded down with your current lender. So yeah, just wanted to let you know that.
In my opinion, there’s really only two lenders out there, non banks, who I would trust to have renew your mortgage, because I would trust that they are, in fact, going to give you their best rate. Everyone else, sorry guys, you can write me letters if you want later, but you never, ever offer the best rates upon renewal. So, if you think that you do, I’d love to see proof of that, but you just don’t. So for you, the client, you really need to understand that renewal, it’s 1,000 times more important to find a broker who can work for you to make sure that you get the best rate for the next five years of your mortgage.
So if you have any questions, or if you are coming up for renewal, please, please, please, please, please give me a call. I would love to help you out. I have no fee. You don’t owe me anything. I do this all in your best interest. The banks pay me, so you don’t have to worry about it costing you a thing. And I do all the footwork for you. I even work weekends, when the banks are closed, to make it easier for you if you work nine to five.
So, Leah Coss with The Mortgage Centre. Good luck on your renewal. Don’t forget to give me a call, and I will talk to you very soon.


U.S. fines TransUnion, Equifax for deceit over credit scores (is your credit score right?)

U.S. fines TransUnion, Equifax for deceit over credit scores (blacks and Latinos)
U.S. fines TransUnion, Equifax for deceit over credit scores (is your credit score right?)
Free business credit consultation.

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How To Dispute Errors On Your Credit Report

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Your credit report. It’s not terribly exciting, but it could keep you from enjoying some of life’s most exciting milestones: Buying a car. Owning a home. Even getting a new job.

So it’s important to check in on your credit every once in a while. You want to know where you stand. And you also want to watch out for credit report errors.

To find and dispute errors on your credit report, you’ll first need to obtain a copy of it.

You’ll see a lot of websites and advertisements boasting free credit reports and scores. The only one that’s truly free, no strings attached? AnnualCreditReport.com.

By law, you’re entitled to a free copy of your report from each of the three credit bureaus each year. That’s TransUnion, Equifax and Experian.

Let’s say you get a copy of your report, and everything looks clean. Well, then you’re good to go! But what if you spot an error? Here’s what you should do.

Step two: Dispute errors. You’ll need to write a letter to the bureau telling them what information is inaccurate. You can find a sample letter on CreditCards.com.

Don’t use the online form provided by the bureau – it limits how much proof you can attach, and may require you to sign away some of your rights.

Here’s what your correspondence should include: Copies of documents that prove your claim. A clear identification of the error. State the facts, briefly and simply, and request a deletion or correction. You may also want to include a copy of your credit report.

Step three: Keep records. Once your letter is written, keep a copy. If you’re mailing it, send it certified and keep the receipt.

Once your letter is received, the bureaus have to reinvestigate the items in question, usually within 30 days. They’ll also notify the party holding the error. That might be a bank or lender, for example.

If there is an error, all credit bureaus will be notified, so your report can be updated. If your report’s been changed, you’ll get another free copy of it.

And, if your report is updated, you can request the bureaus to send correction notices to anyone who’s pulled your report in the past six months. If your dispute is denied, you may add a 100-word statement to your report, describing your side of the dispute.

It’s worth it to periodically check your credit report. If you do spot an error, you’ll want to tackle it as soon as you can. Kristin Wong, CreditCards.com.
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Credit Card Rewards: Do’s and Dont’s

Welcome to my MissBeHelpful station!

Cash return on fuel and food, extra points, flight kilometers, restaurant perks… the list of bank card benefits continues as well as on as well as on!

Inside video, We speak about things to think about whenever deciding which card is better for your needs and I share some suggestions for what you need to and shouldn’t do to get benefits. Enjoy!

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How I Save Half My Income: https://www.youtube.com/watch?v=swaKg2PmSJI&t=1s
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Get and Professional at browsing You Credit Card Statement: https://www.youtube.com/watch?v=EsCuSODsRnY&t=8s
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Just how Trump Can Affect Finances: https://www.youtube.com/watch?v=S0Sv6-lXJhY&t=4s
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’Til the next time… PEACE!


Credit Card Utilization (How to Raise your Credit Score Quickly)

https://www.youtube.com/watch?v=EQKOz9tIkZ4 – Here is the link for my Google Hangout on Friday 14Nov2014 See you there!

I would like to talk to you for a minute about Credit Card Utilization. This is a factor that weighs very heavily on your credit score. Essentially, you should only ever be utilizing 30% or less of your credit cards limit. Lets say you have a credit card with a ,000 limit, well then you should never be spending more than 300 bucks from that card. If you do not follow this 30% rule it basically makes you look less financially stable and as a result lowers your credit score or hinders it’s climb from the gutter. Paying your bill off every month will not override this. Essentially what will happen is your credit will not move in a positive direction. Even though you are paying it off, it is still being recorded that you are using a large portion of it every month. It will seriously impede your strategy to improve your credit.

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Cut credit card interest costs by exceeding minimum payments

Cut credit card interest costs by exceeding minimum payments

Paying just a little more than your credit card’s monthly minimum payment makes a big difference.

Let’s take a look at Tom and Sarah to see just how big.

Tom and Sarah both charge super-sleek, razor-thin laptops on the same day for ,000. (Peter and Mary are both very cool cats.)

So each has a beginning balance of ,000. If you think of debt as a pile of dirt that has to be shoveled away, Tom and Sarah are starting out with equal piles.

Both Tom and Sarah’s credit cards charge 18% interest — and require a typical minimum payment of the interest, plus 1% of the total balance.

Tom only pays the minimum — which means he’s keeping ahead of interest charges, but not by much.

Sarah, though, is a go-getter. She pays an additional each month.

It’s like having a helper digging alongside her. So Sarah’s progress is quicker.

How much quicker?

By only making minimum payments it will take 131 payments — almost 11 years — for Tom to pay off his balance. Tom’s interest charges will add up to ,039 — more than the computer itself.

Sarah, however, will cut her interest payments and time in debt almost in half. She’ll be in the clear after six and a half years and pay only ,213 in interest.

By paying just extra each month, Sarah saves 6 in interest charges and is done making payments 4.4 years earlier.

So Sarah can chill … while Tom’s still diggin’.

Want to see how minimum payments make your pile of debt stick around? Go to CreditCards.com/calculators.
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How to Get the Best Mortgage Interest Rate

When you walk into a bank and you ask them to give you something. They’re giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can’t you always get the best rate? Well, each product is different. I’ve mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We’re looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I’ve mentioned in other videos before. Each bank targets people differently and they won’t do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, “OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe.”
Now I am left with this pile. From that pile, I am going to go, “Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that’s more than half. Great now I’m left with this pile.” Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.

http://www.ratehub.ca – Fixed and variable mortgage rates affect more than your mortgage payment. RedPath Financial Mortgage Broker Ian MacKay explains the differences between the two.

Whether you’re a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by RateHub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.

Featuring some of RateHub.ca’s best and brightest partners, you’ll not only learn about seven different aspects of the home buying process — like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance — but also follow along as our experts perform the related calculations in real-time on a whiteboard.

1. How to Get a Mortgage in Canada – http://youtu.be/_mEp2ucQBy0
2. How to Calculate Debt Service Ratios – http://youtu.be/wz3qSoBGjp0
3. The RRSP Home Buyers’ Plan –

4. Fixed and Variable Mortgage Rates – http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance – http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax – http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada – http://youtu.be/auS2HWiWD9w


Handling Bad Debt Consolidation Loans

Individuals have to manage bad debt consolidating loans as soon as they build-up large sums in debt and don’t discover what other solutions. By consulting about financial obligation agreement at debtfix, these people will find out different ways for spending their particular debt in a fair fashion, and very quickly be able to get reduce debt completely. Fortunately, financial obligation Fix relates to bad debt consolidating loans and is able to come up with good ideas. Continue reading our website to get more info information.
what exactly is bad debt consolidation?
Bad debt consolidation reduction means you are taking your entire debts and spend them off by making one single loan. This loan automatically has actually a reduced, controlled and fixed interest rate, an even more attractive quantity of payment and a reasonable term. You’ll have one loan to repay, prevent using the numerous month-to-month trips on cashier’s office, end having to deal with harassing collection telephone call from agencies, lower tension level and also an improved sleep at night. The debt arrangement at debtfix will assist you to attain each one of these advantages.
Bad debt consolidation reduction primarily divides into two types: secured loans and unsecured loans. Secured personal loans need you to put a warranty to get your loan approved. That is in kind of a personal residential property (like your house) in accordance with it you’ll obtain low interest for long terms in which you can make your repayments effortlessly. Those who choose this bad debt consolidation reduction strategy need to repay big amounts (bank cards) of debt or invest in a new task, like purchasing an automobile or a second house, using a costly getaway an such like. short term loans don’t require a placement of collateral, nevertheless the rates of interest that come with it are greater in addition to term is faster. Nevertheless can repay medical, electrical, phone expenses etc.
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Deb Resolve is very experienced in bad debt consolidation issues and has now helped many people to type their monetary issues. We’ve a superb reputation, as you care able to see from reading reliable testimonials from our clients. They are happy with this services and possess advised us too many others who experience financial difficulties.
The services we offer with bad debt consolidating financial loans include information, support and no-cost advice that will turn out to be required for correcting the money you owe. A debt management program is a vital to getting started with bad debt consolidation. That’s why you will need to consult a financial specialist who is able to choose the best way to just take.

Trying to get a bad Debt assistance at debtfix loan can help to save debt troubles, therefore don’t hesitate to contact our business to find out more because we shall joyfully discover an answer for you.


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As a general matter, no one credit bureau report is “more important” than the others.

In today’s economic environment, they are all vitally critical to your personal finances.

However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan.

Some lenders only pull one credit report. So let’s say you want to purchase a car and you require financing.

If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report.

The challenge, of course, for consumers is that you never really know which bureau report a lender will pull.

It could be Equifax, Experian or TransUnion – or perhaps all three.

Read more about this topic on my blog:

Which Credit Report is More Important: Equifax, Experian or TransUnion http://bit.ly/1EWh2CS
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