Catherine Marie Blog

<p>The Digital Identity Group helps individuals and small businesses remove damaging content from internet search results. Digital Identity Group has helped remove over 1500 links to damaging content posted online. If you are your business have been struck my damaging or false content then don’t hesitate to contact the Digital Identity Group about their removal process. Visit, DigitalIdentityGroup for more details.</p>

<p>Since 2012, the Digital Identity Group has helped protect thousands of peoples online reputations. At the forefront of their reputation management is their ability to respond to incidents after they already happen. If your personal or business names appear in malicious posts on Ripoff Report and other websites then you are at risk of showing on the first page of Google search. </p>

<p>Having a false or malicious post about you and your business is not only embarrassing, it can be extremely costly. Digital Identity Group helps people remove the damaging content quickly and cost-effectively. Their discreet removal process helps protect and clean up your good name. The Digital Identity Group also helps restore your business reputation to good standing to stop any continued loss of sales or revenue. </p>

<p>If your name is already being damaged by a review website such as Ripoff Report then you need to act quickly in order to get it removed. Legal changes have made it easier and at times more difficult to remove reports. The removal experts at Digital Identity Group say that you should take advantage of the current legal climate to get it removed. Some remedies that are available right now to persons struck by a Ripoff Report may not be around forever. </p>

<p>The statute of limitations may apply in some cases, making it impossible to remove the reports. In any case, you do not want to leave the damaging content online and untreated or it can get worse. The Digital Identity Group has cost effective solutions to get the removal process started for you. The average take down for them is just 45 days.</p>

<p>To learn more about how to get your damaging posts removed go online to www.DigitalIdentityGroup.com.</p>

Check Your Credit

If you discover activity on your credit report that’s not yours it should be the results of a file merger error. This implies that somebody else’s credit knowledge has been merged with yours. It may sound awful. But it’s pretty innocent and has a simple credit repair cure. So, before you jump to conclusions concerning identity theft take a number of minutes to research.

Get copies of all 3 credit reports. Then circle the unknown accounts, decision and the creditors. Raise them if they need an account in your name. They may tell you that they need no record of the suspect account. Now you’re a victim of a file merger error. This is often simply cured with a little of credit repair. Write to the credit bureaus. Tell them that somebody else’s credit is showing on your report. Raise them to correct the error. Take care to produce your identification. File merger errors are surprisingly common. Credit bureaus can presumably resolve the matter for you quickly.

Resolve the Matter

If on the opposite hand, the creditor acknowledges that the questionable account is yours. You are a victim of identity theft and will implement an additional serious credit repair cure quickly. The honest Credit Reporting Act provides an awfully powerful answer for identity theft victims. You wish to travel the police station with a replica of your credit report. Ask them to produce you with an Identity Theft Report. You may have to be compelled to send this to the credit bureaus together with your identification. Also send a signed statement affirming that the accounts in question don’t have anything to try and do with any transaction of yours. The credit bureaus can block the suspect accounts with a number of days and initiate an investigation.

How to Prevent it

Have you been a victim of identity theft? Are you simply involved concerning preventing the matter from occurring? There are 2 straightforward and effective credit repair solutions. The credit bureaus provide a warning system referred to as a Fraud Alert. A Fraud Alert may be a statement inserted into your credit report requesting. Prospective lenders contact you before extending credit.

All you wish to try and do is raise the credit bureaus to incorporate this statement on your report. Give them with a contact phone variety, and you’re geared up. There’s no charge and also the alert can stay on your credit report for ninety days. Once ninety days you’ll extend it if would like. You’ll additionally cancel it at any time if you’re feeling that the threat has passed. Fraud Alerts, however, don’t seem to be foolproof. A few lenders might ignore the alert and extend credit regardless. A wonderful credit repair answer you ought to implement simultaneously together with your Fraud Alert is credit monitoring.

Credit monitoring may be a service offered by the credit bureaus. These services are able to warn you to any activity on your credit together with inquiries. You’ll be able to expect to pay some fee per month for this service. If somebody tries to use your identity you may be contact in time to avert difficulty.

About the Author:

My name is Catherine Marie Pinkston a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair USA. That offers a best credit repair firm consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. And find out what's the best way to repair credit.

In the day and age that we live in today credit scores have a great influence on our financial future and that is why many parents nowadays are not only worried about their child’s health and safety but also about how their kids can build a good credit.

How soon should one start to build credit? The answer is that the teenage years are the best time to start building a credit history. This means that parents will have to take the lead in explaining the basics of saving, earning and spending before their kids become teenagers. Follow these 5 steps and by the time your kids are flying solo, they should be well on the way to a good credit score.

1. Help your child open savings and checking accounts:

A savings account is the basic building block to help children understand the financial world. Parents should encourage kids to deposit birthday money, allowances and cash from any odd jobs they go into this account and also save up for something they want to buy. This will help them to learn firsthand as to how compound interest works.

When your kids are in the early teens help them open a checking account and teach them how it works and about penalties if they overdraw or if their checks bounce. This will not only limit them to their checking account balance but also give them some spending independence. It will also help show financial institutions that your teen can handle money.

2. Encourage your teen to get a part- time job:

Working part-time will not only help teach children the value of money but will also definitely go a long way in making your child a responsible adult. The thrill of seeing savings grow and the disappointment of watching money disappear when they make bad decisions will be a precursor to understanding credit.

3. Make your child an authorized user of your credit card :

The most conventional way that people start building credit is by taking on a credit card or loan, but one has to be at least 18 to do this. However, you can build your child’s credit even before the age of 18 by making your child an authorized user on your credit card. The credit card company will issue a second card in the child’s name. The child can use this card as a card of his own but the only difference is that the primary holder (parent) is responsible for the entire balance.

4. Co-signing a loan or credit card:

If you think that it is not a good idea to make your teen an authorized user on your card, you can co-sign his or her first credit card. This will pack more punch than authorized user. Ownership as your child will be the primary borrower and it will do more to help your child build a solid credit score. But remember to educate your child how to use the card responsibly. You should be comfortable with this possibility before moving forward.

5. Obtain a secured credit card:

If you feel your child is not particularly responsible with money, the best option is to help your child apply for a secured card when he/she is 18 years old. These cards are normally fully secured and require cardholders to deposit a few hundred dollars which is usually equal to the credit limit. You can make the initial deposit together. The advantage of such a card is that your economic risk is just the amount of deposit and some credit cards come with some additional attractive features like a reasonable annual fee of about $29 which allow kids to monitor their credit scores and use a credit simulator to see what the consequences will be if they missed a payment or continue to pay on time over an extended period of time.

If your child uses the credit card regularly for small purchases and pays off the balances in time he/she can qualify for an unsecured credit card after six months.

Building up a solid credit score will help your child qualify for loans, auto insurance and even affect whether he/she can get a job. Therefore, you should monitor your teen’s activities as she/he gets into the credit habit and allow more flexibility as responsibility is demonstrated.

Obtaining a reasonable of credit at an early age and using it responsibly will definitely pay off in the long run. There are tricks and techniques to build a good credit score a young age but in the end, it boils down to being responsible.

About the Author:

My name is Catherine Marie Pinkston a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair agency in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

You may be the parent of someone hoping to go to college or you are off to college yourself. Bad credit scores can affect your ability to get a school loan. Like any other kind of loan, you are expected to pay back the money you borrow in full. Having bad credit makes you a higher risk than those with good credit history. Therefore, you are less likely to be approved for a student loan – no matter the reasons!

School financing is black and white. You either qualify, otherwise you do not.

They are fairly standard procedures throughout the company. This keeps the system fair for everyone hoping to go to college and beyond. However, this does mean that cannot try a private loan company if you are denied a loan.

There are various loans that you can apply for without having to undertake a credit check. But they do not allow you to pay the full amount that you will need for college fees. These loans often come with borrowing limits for both the yearly and total amounts. Most school loans are undertaken through the government. So, you will still be able to fund at least a partial amount of your studies, should you choose to take this route.

Dangerous credit doesn’t mean higher interest rates. It means that you’re not attending to get approved.

Entering a loan with a guarantor to the pay the fees if you fall behind on your payments is another option. Again, using a guarantor is a good route if you are certain you will be able to pay the loan back in full. As a lender, you run the risk of putting undue strain on the relationship with whoever agrees to be your guarantor.

Unfortunately, student loans are a place in your life where your bad credit can have an impact on other people you care about. If you are the parent of a child going to college, your student will often rely on you to support them. This could be with a loan or signing on as their guarantor. In this case, making good credit history becomes even more important.

About the Author:

My name is Catherine Marie Pinkston a Financial Adviser at Zinu Credit Repair. It is a  credit repair services company in USA. Helps you to fix bad credit. And offers a legitimate credit repair companies, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.

When researching an elective medical procedures, you should consider covering the cost out of pocket. Your medical insurer probably doesn’t cover elective procedures. Before the doctor agrees to perform the procedure, they ensure that you are able to pay your bill in full. This means a bad credit score can affect you in this situation.

Medical loans are available to cover medical treatment. They may include dentistry, weight-related surgeries, and cosmetic surgeries. Much like any other loan, low credit scores make you are less likely to be approved for the loan. If you are approved, you will probably end up paying a higher interest rate than people with higher credit ratings.

If you’re puzzling over obtaining an elective medical procedure, be ready to own your credit checked

Lending institutions are much more likely to request that you provide a guarantor with a medical loan than with other kinds of loans. Other loans work similarly. In this situation, you are leaving treatment with an improvement that will last the rest of your life. You could gain something for nothing if you then forgo all payments, the eyes of lending institutions. This makes the risks much higher with medical loans than other loans. Companies have had to come up with different ways to keep on top of the money they are owed.

While a guarantor might be necessary if you are borrowing the money with an unsecured loan, there are options available for you to borrow money with a secured loan or pay for your procedure with a credit card.

If you exhibit a nasty credit history, you’re possible attending to got to remit payment in full at the conclusion of the surgery.

If you are making payments on a secured loan, keeping up with payments. Because this will help you avoid the risk of losing whatever the loan was secured against. More often than not, loans are secured against your house. If you fail to keep up with repayments, you run the risk of losing your home. That is a scarier prospect than missing out on an elective medical procedure. Paying a lower monthly fee over a longer period of time is another option. Most people who take this option pay more in the long run.

Paying for your medical procedure with a credit card gives you the option to pay a lower monthly amount over a longer period of time. This might sound very appealing because the interest rates on credit cards can be significantly higher than interest rates on loans. These rates will often cause you would pay more than typically would with a standardized loan. It would affect you more especially if you have a lower credit score.

About the Author:

My name is Catherine Marie Pinkston a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair companies in USA. Helps you to fix bad credit. And offers a free best credit repair consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.

In the modern era, cell phones are people’s lifelines to the outside world while fewer and fewer people have landlines. A cell phone contract might not be as having a roof over your head and being able to afford the water. But you can be turned down for a cell phone contract when you have a bad credit rating.

If you’ve got sensible credit, you’re possibly attending to get a far better arrange, than somebody with poor credit.

This happens because gas and electric companies check your credit score. Customers with bad credit scores are less likely to pay their bills on time. So those with bad credit are less likely to be approved for a cell phone contract. It doesn’t matter whether you’re hoping to enter a long-term contract or a monthly plan. Phone companies consider those with bad credit ratings to be irresponsible with money.

While this might not be true for you as an individual. This is true that a high rate of people will go over their data allowance or incur roaming charges if they have a low credit rating. Using data outside of your normal plan tends add excessive costs to your cell phone bill. Thus, cell phone companies will try to avoid the chances of someone being able to go over this amount if possible.

With bad credit, you’ll be denied for an everyday contract and be needed to utilize a pay-as-you-go agreement.

If you are declined a cell phone contract based on your credit rating, there are other routes available. They are prepaid phone plan and a pay-as-you-go device. Both of these are options are often more costly than monthly plans and can be less convenient than having the world at your fingertips. The same applies to the down payment required when you buy a new phone.

About the Author:

My name is Catherine Marie Pinkston a Financial Adviser at Zinu Credit Repair. It is the best credit repair agency in USA. Helps you to fix bad credit. And offers a free credit repair consultation, which includes a complete review of your FREE credit report repair summary and score. Please contact me. I am more than happy to serve you.

When you have bad credit, you expect to be turned down for certain things. Loans, mortgages, and even jobs might not come as a surprise. But low credit scores affect utilities more than one would realize. Utilities cover the basic services in your home such as gas, water, electricity, internet, phone, and cable. We use all of these services on a daily basis without considering how much we really depend on them.

Believe it or not, utility firms care regarding your credit score!

Utility bills are forms of credit where you pay a monthly fee that covers the average amount that you might use throughout the year. For gas and electricity suppliers, this might mean you’re paying more in summer than you use and less. It’s a simple technique that energy suppliers have been using for years. They supply us all with the utilities we need, without putting us out in the winter months.

Of course, gas and energy suppliers run the risk of people using their services without paying their bills. People with bad credit can expect to be pay more than those with good credit ratings for the same product.

If you’ve got dangerous credit you’ll expect to own to pay a hefty deposit when gap your account and/or you’ll be needed to own a co-signer.

Though it is highly unlikely that you will be denied outright your utilities (which is more likely to happen when you’re applying for a mainstream loan), utility companies will protect themselves in other ways. Some companies assess you for a deposit or require a letter of guarantee before they agree to deliver the services. This is not allowed for low income families. This guarantee means that, fail to pay your bills and the company will be able to ask the guarantor for the money. This might seem like a simple way to get your low credit. But failing to keep up with our payments can cause problems with relationship with the utility company.

About the Author:

My name is Catherine Marie Pinkston a Financial Adviser at Zinu Credit Repair. It is the best credit repair firm in USA. Helps you to fix bad credit. And offers a legitimate credit repair companies, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.