The Unethical Way To Raise Your Credit Score By 200 Points In 60 Days

These Tips were taught to me in 2009 while I attended a seminar on credit repair. Ok no more small talk the only way I know how to raise you credit score by 200 points like I did (right after my third time of filing bankruptcy) in 60 days is as follows.

1) Get a copy of your latest credit report, no more than 60 days old.

2) Write all three credit bureau by certified mail only and challenge everything negative on your credit report even if it is reporting correctly, just say it’s the wrong account number or it’s been paid in full already. Including liens, bankruptcies, and inquires. It must be certified they only respect letters that are certified. Do not do any of this online, because if you do they will have 45 days to complete their investigation rather than the 30 days.

Your letter should look something like this:

Your Name
city,state,and zip
telephone number

Attention: Experian
P. O. Box 9595
Allen, TX 75013-9595

Dear Experian

This letter is a formal request to correct inaccurate information contained
in my credit file. The items listed below are completely inaccurate,erroneous,
misleading, and outdated.

I have seen a copy of the credit report your organization provided to me on
(today’s date) and listed in question.

Company Name: Collection
Account # 12354XXXX
This account was paid in full and was not included in a BANKRUPTCY, please
let this

Below MLB’s credit card debt company rule

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How to Reduce Credit Card Debt

Many people in the UK find that they have to face up to credit card debt problems at some point in their life. The convenience of credit cards combined with their high rates of interest means that it is all too easy to get into financial difficulties. For people looking to reduce their credit card debt there are a number of options.

Credit cards should never be seen as a long term borrowing option. The average interest rates payable at 16% or more are at least twice as expensive as an average comparable loan, so it makes sense where possible to minimise credit card spend in favour of less expensive forms of borrowing. If you do find that you are constantly struggling to make credit card payments then the first step should be to simply try to reduce how often you use your cards.

The high interest rates associated with most credit cards means that maintaining large levels of credit card debt is both risky and highly wasteful. By only making the minimum payment each month it can take years if not decades to clear credit card balances, all the while wasting an incredible sum of money in interest payments. If you owe money over several credit cards then it makes sense to initially concentrate on paying off the balance on the cards with the highest rate of interest. This way you are reducing the rate at which the debt is increasing.

You should also consider transferring the balance to another credit

Advantages And Disadvantages Of Visa Credit Cards

The present scenario is of technology, mobile phones and such multi media support network. Credit cards, debit cards and such cards are the method through which a person can make his payment transactions. The Visa Cards in one such way wherein a person makes his payment mode of paying. Visa card is one of the new payment features with which a person can get to check out instantly as he does not need to fumble in his wallet for cash. With the aid of the visa card, he can wave this card in front of a counter and do his work instantly without waiting endlessly for exchange of money and changes.

Process of the visa card

As far as visa cards are concerned, a person can retain the control of the card but to some extent. He has to be aware of his card limitations and see that he does not face any fraud. There are over thirty two thousand retailers from over twenty top brands which accept Visa payments. For a person, through the card, it becomes easy and simple to save his precious time each day with instant service at restaurants, movie theatres and such stores.

In order to complete his transaction, the person can pass his card and grab his purchases instantly. However, if the person wants to know on the Visa Cards in his area, the payment process and such things, he can refer to the merchant directory.

Benefits of the Visa Cards in

Stock Market Investment Strategy

Strategic Moves on Stock Market Investment
Stock market investment is a risky stance, but it should not stop any aspiring investor from taking the first step. The choice to make the stock market endeavor succeed lies upon the investor.
1. Knowledge
A wise investor would only delve into stock market investment upon being apprised with the necessary and crucial information. It is a must to invest on companies only upon learning everything about it, from its past records, current performance and future plans.
Stock market investment advice should be sought considering the difficulty of locating that right stock that will give big returns. The investor must fully know the fundamental value of the stock he or she will buy.
Invest in a company which belongs to a familiar industry. The stock market investor must have a good understanding of the business in order to realize more the value of the stocks. This will also make the investor less dependent to analysts and advisers.

The sources of information to rely upon must be carefully chosen too. Tips offered in the market should be avoided as much as possible. These are usually given by people with vested interests.
2. Long-term goal
An important consideration in stock market investment is setting a long-term goal. The long-term goal would determine the approaches to be taken and influence the decisions to be made.
The adherence to that goal would ensure regularity in instances of indecision when

Bin Database Credit Card Numbers For Mastercard

Using the BIN Database systems that are available online for business owners can help to reduce the costs associated with charge-backs that are created when fraudulent credit card information has been provided to the business throughout the transaction.

Databases for Mastercard can be an effective way for business owners to reduce the fraud that occurs with credit card transactions and can help business owners to compare the first six digits of the Mastercard to verify the validity of the account.

What are some of the common Mastercard Bin Database Credit Card numbers found in online databases?

Cirrus credit cards are a common type of Mastercard found in databases and are cards that are created from an international network to ensure that the credit cards are going to be accepted internationally and can be checked internationally.

Gift credit cards can also be checked through the database of credit card numbers. Different than the prepaid credit card numbers that are available, these gift credit cards require the customer to activate the credit card in order to use it and are prepaid and activated for a limited amount of time.

Electronic Mastercard options as Bin Database Credit Card accounts are available for customers that are going to be using the credit card online, through the many online accounts that are available. These credit card accounts can be purchased online, or through common supermarkets and should be included in the database.

ATM Credit cards should be included in the database

Check Out This Information On Credit Card Terms

Have you ever tried to read all of the cardholder agreements for your credit cards? Most people do not. It is simply too much to handle. Those agreements are written in an unintelligible language, and unless you are an attorney, it is too difficult to interpret. Plus, the information is squeezed together into a small print that is barely readable. Of course credit card companies do not want you to read it. They would rather you know very little of what is written in those legal agreements. However, it is of great importance that you know the key terms of the agreement, which explains how your balance is computed and what is responsible for fees or interest rate increases. Knowing the terms of your credit card agreement will assist you in comparing cards, knowing when you should change to a new card, and help you to save money by working the system. Therefore, let us start by listing a few key terms used in credit card agreements and explain what they mean:

Pre-approved – You have probably received an offer in the mail stating that you have been -pre-approved- for a credit card. This is a misleading, common, practice of credit card companies, as you have not been pre-approved for anything. Mostly pre-approved means you have met some initial guidelines pertaining to your creditworthiness. To receive a pre-approved credit card notice does not guarantee you will be approved for the card if you choose to apply for it.

Choose The Best Credit Card In India

These days credit cards have become quite a necessity. Whether you want to purchase a thing worth small amount or big amount Credit card comes handy. Although every credit card comes with its own flaws and drawbacks, so selecting the best credit card is quite a mind boggling task.

The best type of card to obtain is from your bank, where you have a savings or current account and have been a customer for some time. Since banks are always vying for customers with excellent credit ratings they give out excellent rate as well as good promotional period. Consumers get lots of promotional offers to select credit cards and these promotional points can be used in shopping, air miles, grocery stores, discount on fueling and so on. Thus banks always keep some or the other promotional offer in the pipeline to attract customers.

Many financial institutes give credit cards, offering different-different services. So selecting right credit card can become confusing. Once you decided to apply for credit card then it is imperative to follow the card’s payment terms properly. The term signifies how you should use the card carefully and how to make the most out of your credit card. This way you can maintain you credit score properly and stay away from any unwanted fall-backs.

So being responsible and diligent are two important factors that can help you to stay away from unwanted credit score related problems for these credit cards. By possessing these two qualities, you are on

Incredible Bullion Tips For Secure Investment

Volatility is the most evident reality you come across in stock market. This identity carries on with everything, regardless of whether you are trading in commodities, metals or bullions. A large number of investors today are more than interested to trade in bullion commodities given their inherent inclination to invest in gold and silver. However, because of its fluctuating nature, bullion market turns out to be a tough turf for investors and that is the reason why market experts stress on playing safe. If you are an investor and optimistically hope to benefit, you will largely benefit if you keep these bullion tips handy.

Some expert recommended gold tips

A significant sum is at stake when you invest in gold. So as to help you maximize returns and secure your investment, it is advisable keep track of the everyday market developments. Howsoever small or large your investment, a thorough research about the demand and supply ratio of metal you have invested is essential. Never be assured about your profits based upon some speculations; rather associate with a dependable agency that provides adequate financial information together with valuable silver and gold tips.

While it is true that trading in silver and gold can be primarily profitable, it is better to be aware of the stumbling blocks and follow the experts advice at every step. If you make use of the smart bullion tips provided by your financial advisor, you will definitely minimize loss thereby securing your money.

Why are gold

A Beginners Guide To Investing In Shares

Share markets are either the most favoured or the most hated entity depending on their status. A rising market is characterized by the build up of a herd mentality. If the index goes up continuously for 15 days, there is a sudden spurt in interest in buying. If the market falls drastically, calls from brokers are avoided.

We are going through a similar phase now. There has been an almost 50% depreciation in the broad index, while the drop in the prices of widely traded software stocks has been far more in many cases as high as 90%. It is being said that investors have fled the markets, unlikely to return. But can they afford to stay away? NO and the reasons are not far to seek.

In India, in the absence of worthwhile social security schemes and reliable medical insurance cover, so commonplace in the developed countries, we have to build a nest egg for old age. Savings have to cover daily expenses, long-term family obligations, such as the childrens education or marriage, and medical emergencies. Its no wonder then that Indias saving rate is as high as 25-27% of the GDP, one of the highest in the world.

Whats more, the interest earned on savings has to be higher than the rate of inflation. If not, savings are being devalued over time. The interest rate curve has been falling rapidly. Over the past few years, the rates of interest earned from banks and various government schemes