"Just play. Have fun. Enjoy the game."Michael Jordan
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Growing Faster Than Your Cash Flow? Let Factoring Fund Your Next Expansion!
Why wait weeks or months to get paid by your clients when you can access your money in a matter of days by factoring your invoices. When a business factors their invoices, they are allowing a third party to purchase their invoices at a discount price. ...
High Return Residual Income Is Possible, Not MLM
Face it, when you hear the term "residual income" associated with a home business or income stream, most of the time you can bet the business is MLM. You see, residual income is a buzz term used by MLMer's to distract your attention away from the ...
Sell Structured Insurance Settlements
This article provides useful, detailed information about Sell Structured Insurance Settlements. It is not good practice to sell a structured settlement without a real need for the money. Structured settlement annuities are usually bought as ...
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In the twenty-first century, there are few documents that have a greater impact on the lives of Americans then their credit report. Credit rating determines one's ability to buy a home, a car, or to obtain a credit card or a job. Since these things are important, it is equally important that the information be accurate. The only way to be sure of that is to check the report regularly. Prior to last fall, there were two ways to obtain a copy of your credit report: to pay for one, or to obtain one for free after being denied credit. Thanks to the Fair Credit Reporting Act passed last year, Americans can now obtain a free copy of their credit report from each of the three credit reporting agencies once a year.
Due to anticipated heavy response to the offer of free credit reports, the program has been rolled out in stages. People living in the West and Midwest are already eligible to apply for a copy of their report at www.annualcreditreport.com. As of June 1, 2005, those living in the Southeast are now eligible, and on September 1, 2005, those living in the Northeast will be eligible. All that is required to receive a copy of your credit report is to answer a few simple questions. Since it only takes a few minutes to do, there is really no reason to put off checking your credit report, and you may benefit tremendously by doing so.
The credit score is a single, three digit number that represents an individual's credit worthiness, and that score is obtained through a complex formula that takes into consideration a person's borrowing and spending habits and payment history. A high score makes someone more eligible for loans and credit, while a lower score may indicate that a person is a risk to repay. While the information contained on a credit report is generally accurate, incorrect information sometimes shows up on credit reports, and incorrect information could result in someone who being denied a loan for which they might otherwise be qualified. Furthermore, a credit report check is the best way to determine if you have been the victim of identity theft, an increasingly popular crime that often goes unnoticed for a year or more. If your identity is stolen, your credit rating can be ruined and you can be burdened with thousands of dollars in debt. The new bankruptcy law, which goes into effect in October 2005, draws no distinctions between debt incurred by an individual and debt incurred through identity theft. This alone should be reason enough to check your credit report regularly.
Since the law now allows individuals to obtain one free report per agency per year, anyone who wants to keep a close eye on their credit report can obtain a free report as often as every four months. Since the credit report affects your life in so many important ways, checking it regularly should become a habit.
About the Author
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and StructuredSettlementHelp.com, a site devoted to information regarding structured settlements.
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 Imperial Structured Settlements, LLC Announces Employee Incentive Trip to Gansevoort Hotel in South Beach (Business Wire via Yahoo! Finance)
BOCA RATON, Fla.----Imperial Structured Settlements, LLC, a leader in the advance funding of structured settlement payment rights and assignable annuities, celebrates a record-breaking month with an incentive trip to the Gansevoort South Hotel in Miami’s hot spot… South Beach!
Financial Stocks: Citi falls 12%, below $6 as financials weaken further (Market Watch)
Shares of Citigroup fell another 12% Thursday, falling below $6, as investors failed to draw confidence from a fresh investment in the company by its largest individual shareholder.
Ambac commutes $3.5 Billion in CDO exposure (AP via Yahoo! Finance)
Ambac Financial Group Inc. said Wednesday it paid about $1 billion in cash to close positions in four collateralized debt obligation transactions with a combined exposure of about $3.5 billion.
Securities analysts an endangered species (International Herald Tribune)
Tens of thousands of analysts, who work in research departments that had already shrunk after the government-mandated separation of research from investment banking, are on the chopping block.
Ambac Commutes Approximately $3.5 Billion of CDO Exposure for Cash Settlement of $1 Billion (Finanzen.net)
Ambac Financial Group, Inc. (NYSE: ABK) (Ambac) today announced that it has commuted two CDO of ...
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