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Rules for Credit Protection

Credit safety: lock down with credit freeze or place a fraud alert

If you consider identity theft as a serious threat to your finances and you want to ensure that no shady activities are going on without your knowledge, you can opt for a credit freeze or fraud alerts. Credit freeze works by freezing your credit reports, which means that creditors cannot extend credit to you unless you “unfreeze” your account. Fraud alerts, on the other hand, are automated notifications that alert you when someone is using your credit or is making inquiries about you. It can be requested from your financial institutions or the major credit companies. So, if you don’t want to have a tarnished record and be vigilant with your credit, fraud alerts and credit freezes are a good choice.

Consider credit monitoring

A credit monitoring service is a more advanced way of checking your credit files. It’s like an early warning signal that alerts consumers whenever there are changes in their accounts. The most common reasons that trigger an

Avoid Bad Credit

If you ask them whether they want to be free from this bondage, be able to live to a standard that doesn’t give them sleepless nights with repayment stress – they are likely to say YES PLEASE where do I sign. But if that journey began with them cutting up their prized possession – the card – you would literally hear them gag on their saliva.You see regardless of the x amount of pounds they owe, the FEAR of not having this piece of plastic and the access it gives to funds far outweighs the mountain of debt it represents.

I know this because I’ve been there. It’s that fear of ‘not having enough’ of ‘being ‘caught short’ of ‘ needing something’ that my card would buy and which puts fear in your heart. And that’s really what the system relies on. Money is handed out freely, the more you borrow, the more you spend. A vicious but highly lucrative venture (for the lender), but a surefire way of losing everything for the borrower.

The question is how do you beat this FEAR? I would love to

About Commercial Debt

The business debt is collected through forced sale or auction of assets like building, land, equipments and even business accounts. Situation of corporate veil is applied when a company or business is viewed as a detached legal unit than the organization’s stakeholders and owners. The company or business is then legally responsible for its debt and not the persons who own it.

LLC only provides liability and monetary protection when the corporate veil is not penetrated. Corporate veil is actually pierced if a person uses limited liability corporation to pay personal expenses or does not have complete and valid LLC papers. The limited accountability of LLC can be challenged by creditors. These creditors can easily sue private individuals for outstanding commercial debt. Business debt cannot be remunerated through garnishment of wages when compared with personal debt. Though, creditors can put liens against the company’s land, property or equipments.

The overall debt collections are controlled by Fair Debt Collection Practices Act. Debt collectors looking for payment should provide complete billing of the arrears owed in order to avoid any type

Be Money Smart

Credit card and personal loan consolidation into your home loan can certainly take the sting off monthly repayments, but careful! You can find yourself actually paying more interest in the long term, if you’re not money smart about how you do it.

Let’s use a credit card which is maxed out at $10,000 as an example, so we can compare some numbers:

  • The maxed out card would cost you approximately $175 per month in interest alone (at a 21{f2d684976d4b1fb03a7fab9258db1268243fc3731bcbbfe339489f8505af20a7} credit card interest rate) let alone trying to pay back the $10,000!
  • If consolidated into a home loan at say 6.3{f2d684976d4b1fb03a7fab9258db1268243fc3731bcbbfe339489f8505af20a7}, your monthly interest cost plummets to $52.50!
  • If you simply lump it in with your home loan & make principal & interest payments, it adds $62 per month to your costs

Great!!! Let’s do it, you say! But not so fast…

It’s all very well to save on interest & lighten the burden on your pocket, but how much will it actually cost you in the long run?

Do you realize that if you do the latter & simply pay $62 per month, it will cost you over $12,000 in interest alone over a standard

Bridge Loans

A case in point: A company has been sanctioned a loan for USD 1 million from a bank. Now, the loan will be provided to this company in a period of six months. Meantime, suppose the company needs cash. Then, what will I do? It’s simple-the company should head to bridge loan lenders.

Being a short-term financing option, a bridge loan will be given to a company with a repayment period of six months to two years. Now, that’s exactly how a bridge loan works. If you’re more concerned on exploring the way such a financial solution benefits you, you should head toward a bridge loan financing expert.

Why short term loans matter and have grown in popularity in today’s conservative markets?

Now, you’re part of a hyper-competitive business environment where you’ll have to make a lot of critical decisions. Some of these decisions, doubtlessly, have to be financial in nature. For example, you have to buy a parcel of commercial real estate immediately; you have gone to a trusted commercial real-estate consulting player, and even the land looks pretty good, but you lack the cash.

Now, what has to be done? The answer

Reduce Debt With Proper Budget


This process takes time and honesty with yourself. The more you can accurately determine what you are spending and where it is going, the better you can commit to active changes.


The first step is to determine how much money you spent the previous month and where that money went. Do your best to gather a detailed list of all expenses from your bank statements, credit card bills, household bills, mortgage payments, etc.


You need to now separate your basic expenditures which are necessities, such as your mortgage, groceries, utilities, insurance, etc. Be honest with yourself in determining what is “required” and what is “desired”. We will look into this list later in time to help with this determination and suggest further trimming or advice on how to further reduce payments/interest rates, etc.


You now need to look at all the other expenses that you are left with after eliminating basic expenses. Many consumers are surprised to discover that this can be as high as 30{f2d684976d4b1fb03a7fab9258db1268243fc3731bcbbfe339489f8505af20a7} or more of total expenses. This is the first list that needs to be

Repair Damaged Business Credit

You might have already heard of the FCRA. The Fair Credit Reporting Act outlines consumer’s rights to dispute inaccurate information on their credit reports. But it’s essential to know that this law does NOT apply to credit repair. There are currently no laws which outline business owner’s rights regarding credit disputing. The FCRA also requires credit issuers to notify you of what bureaus they pulled your credit data from to determine your denial for financing. In the business credit world this is not the case, you rarely ever know the source that pulled your business credit or the reporting agencies they pulled it with.

If you see accounts or details you don’t recognize or you feel are inaccurate, request a debt validation for that account using a debt validation letter. A debt validation is where you solicit the creditor for verification of the account details they are reporting. They will typically send you back details of your account that they are reporting. The FCRA and the fair debt collections practices act apply to consumer debts, not business debts. So you can send a debt validation letter, but the creditor is not required by law to respond to

Credit Spreads

In loose terms, Z spreads is a compensation for credit risk of the issuer. Because of the credit risk, the Z-spread to Treasuries for a corporate bond tends to be positive. This reflects the fact that corporate bonds are worth less than treasuries with similar maturity and coupon. The higher the credit risk the higher the Z spread to Treasuries. A positive Z spread indicates that the security has an investment value and a negative Z spread indicates that the security is rich compared with treasuries.

Option Adjusted Spread is a measure of the credit risk for callable or putable bonds. For bonds with embedded options, the Z spread is often not meaningful. This is because it is usually not appropriate to value a these bonds simply by discounting its scheduled payments. To value bonds with options, one must take into account volatility in interest rates so that the risk of the bond being called can be considered.

Asset Swap Spread compares the present value of the series of fixed payments from the bond and the present value of the floating payments. It is the spread that investors receive for swapping a fixed annual coupon against

Easy Installment Loan

Some Questions that May Disturb You

Now you might be wondering which kind of loan alternative comes easily? What about getting the installment loans? Will you consider these loans when it actually comes to borrowing funds without any hurdle? Interested to know more about how such loans can help you out of the crisis? Before you proceed, it does make a sense to know that the funds are acquired on certain factors and your past credit record is one of them. But the need for funds can pop up anytime even if you have a poor credit score. Financial emergencies never ask about your credit score before entering your life. Fortunately, you can easily borrow the money with these loans irrespective of your poor credit score.

There is no denying that the installment loans for bad credit borrowers offer quick financial assistance. No matter how you want to use the money, the loans ensure that your adverse credit score will not stand in the way of your financial well-being. As your credit score is not satisfactory, the loan works effectively by providing you with the cash and also give you a chance to boost your credit

Consumer Debt

Settling debt is a good choice than declaring bankruptcy and is now very known in America. Negotiation became the way to settle it with creditors openly. An unsecured debt of 50{f2d684976d4b1fb03a7fab9258db1268243fc3731bcbbfe339489f8505af20a7} can be settled now

Decrease or increase in consumer debt can have both positive and negative financial effects. One benefit of consumer debt is money multiplier effect. The overall theory behind money multiplier effect is that enhancing consumer spending increases income for several different types of businesses and companies. According to experts, additional consumption funded by debt actually produces more money for businesses and companies selling the product.

On the other hand, employees, suppliers, lending organizations and other related individuals benefit from this additional consumption. Federal Banks or Central Banks regulate consumer debt according to the current market situation and consumer spending.

Customers spending less on goods and services indicate reduction in consumer debt. Central Banks or Federal Banks actually reduce the federal fund rate to increase borrowing, investing and spending. However, this can easily have a spillover effect on the country’s economy. Interest rates can have an influence on home buying, investing, higher education and even business start-ups.

Consumer debt is totally

Efficient Financial Rescue Plan

Nuts And Bolts of the Rescue Strategy

The following lines deal with strategies that aim at emancipating you from the shackles of the debt. To reach this particular target, you may have to opt for the following programs. You will have to sign a contract to embark upon this part of the modus operandi.

Once agreed, the service provider will be responsible to debate the settlement and final discharge of your unsafe liability, of course on your behalf. In the second place, there comes the Debt Resolution Hardship.

It involves support from an attorney. An attorney will make the possible plan by bearing in mind the exclusive dynamics of your particular situation to pay your debt. This task will need your participation as well.

In the end, let’s talk about the Legal Plan. This will be available for the debtor who wants to use a debt settlement program. There are some plus points attached to this phase in particular. This will enable the signed-up debtor to get the legal documents reviewed. Next, Defense shield too will be available in a creditor lawsuit. Then, none of the court filings will be the debtor’s headache. The

Dispute Errors on Credit Report

If you find outdated or incorrect information on your report that has been prepared by the credit agencies, you need to get it corrected at the earliest as it may affect your chances of getting a loan at favorable terms and conditions. It is advisable to keep a copy or record of everything that you sent to the agencies when raising the dispute. You should avoid sending original documents to the credit agencies and should only enclose copies.

The procedures for disputing errors may vary from one credit agency to the other and it is best to become aware of the standard procedures so that you may be able to dispute items on your report. You can enclose copies of the relevant documents that you are disputing along with your name and accounts details clearly mentioned in the dispute.

You can list each item that you are disputing separately and specify the reasons that you are disputing it so that it can be rectified at the earliest. It is best to follow up with a phone call and letter if you do not get an immediate response from the credit agencies.

Most individuals are not

Limelight On Crediting

Generally, in return of the facility to repay later the borrower has to pay an additional amount in addition to the amount borrowed. This cost of credit depends on the amount of resources borrowed and the time span for which the money is borrowed. The interest is calculated according to some generalized rules.

There are many types of credit:

• Bank Credit
• Consumer Credit
• Public Credit
• Investment Credit
• Real Estate Credit

It is enlightening to know that personal loans, mortgages, credit cards and automobile finance are all categorized under Consumer Credit. As such, if you are intending to get a car credit to meet the bit of crunch in your pocket, you will be listed as a creditor under Consumer Credit.

Car Credit As A Recent Development

Keeping pace with the ups and downs of your financial stability, it is not always possible to afford a car entirely with the money in hand. In such circumstances, additional financial assistance is required to cater to your dreams of purchasing a brand new car. If you are still pondering on where to get this assistance from, then be rest assured as

Simple Debt Reduction

You need to know exactly where you stand financially. List all of your income, all of your expenses, and all of your debt. Be specific, and be honest; you need to account for every penny. When listing your debts, be sure to include the amount of principal, interest rates and any penalties that have been added on as this will help you with the next step in your debt reduction strategy.

Negotiating your debt may take some time, but it can help a lot. Call all of your creditors individually, and see if they can lower the amount you owe. Credit card companies will often forgive a late payment, or lower your interest rate, for nothing more than a simple request. This will work better if you have had a good payment history, even if you have missed a few recent payments. Not all of the companies you owe money to will agree, but every one that does will put a dent in what you owe.

Once you have negotiated a lower debt, your next step is to set up a payment plan. Almost all creditors are willing to do this, and most will be able

Current Commodity Tips

Commodities Explained

Before you read any other commodity tips, you need to understand the concept. Commodities are structured trades around the delivery, sale, import, and export of a particular good. Popular commodities include oil, gold, and soybeans.

The most popular strategy for investing in commodities is signing a futures contract. These ensure that you will own the commodity for a set amount of time before selling it on a certain date at a specific price.

Here are a few tips for making the most out of your commodity trades in 2017.

Why ETFs Are A Good Choice

If you’re looking for an effective way to invest in commodities, one of the best ways to do it is through ETFs. ETFs, or Exchange-traded funds, can either monitor a commodity or a specific market index.

ETFs can be a great way for beginners to invest in commodities. They are easy to manage and involve a lot less red tape than a futures index. While investing in ETFs is not the only way to make a profit off of a commodity investment, it is the best way to get acquainted.

How To Use a

Remove Credit Report Errors

Collect Evidence

If you think there is an error on your credit report, you must collect evidence to support your claim. It will help you in proving the relevant credit bureau wrong. Also, it will ensure faster results. For example, if you think that the auto loan origination date is inaccurate; you must find the auto loan contract and show the accurate date to the credit bureau.

To remove errors from your report, you must dispute it with the relevant credit bureaus. Highlight all the errors and attach evidence. You must also write a letter to the credit bureaus and explain your situation in detail.

Inform the Relevant Credit Reporting Agencies

Credit reporting agencies such as banks, credit card companies and lenders provide financial information to credit bureaus. It helps the credit bureaus in keeping track of your financial situation. They have a legal responsibility of investigating your complaints. So, if a bank is providing incorrect information, inform the bank authorities immediately.

Now that you know what the different kinds of errors are, identify them and follow the step-by-step procedure to remove them. It will help you in keeping your credit report risk-free.

Need a Low Interest Rate Business Loan

Low monthly payments

This option comes with much lower monthly payments and this eases the strains that you may be having to your cash flow. This, in turn, means that you will have some extra cash to put into your operating expenses and any other opportunities that may come unexpectedly. You may find that you do not need any more borrowing in the near future. These loans have a longer payment term and a lower APR.

Additional borrowing

When your business gets this kind of financing, you may qualify for another loan. This is due to the APR that has been lowered and a much longer repayment period that increases the debt service coverage ratio of the business. It is not uncommon for a business to need some more working capital when they are consolidating their debt. This additional capital helps them to handle anything that comes unexpectedly. This prevents the business from getting a short-term loan that is rather expensive in future.

Cash flow management simplification

There are different ways in which this kind of loan can help you with cash flow management. Instead of juggling different creditors at the same time, you will only have to deal

Debt Consolidation Loans

It is first important to understand what these are and why they help. These financial products enable people to consolidate all of their past due accounts. This simplifies the credit repair process considerably as you will no longer have to track multiple bills, payment arrangements or interest rates. Doing so can immediately reduce your stress.

Another benefit of taking this route when attempting to restore good name is that you will only have to deal with a single entity. You will not have to manage arrangements with countless companies. Instead, you can make one easy payment to your lender. This makes it far less likely that your will forget to remit an important payment or that you will become overwhelmed by the amount of money that is going out. People who have bitten off more than they can chew, can find feasible ways to make their debt more digestible.

There is also the issue of collection calls. These can be very embarrassing and can even jeopardize your professional endeavors. Creditors can hassle you at home and at work and they may even start contacting your family members and friends. There are only a few ways to

Financial Advice

Fortunately, there are several ways that you can repay your debts even when you do not have the money. One of the most widely used methods is borrowing consolidation loans.

Borrowing such a loan is a clever way on catering for your debts. It is mostly useful in scenarios where the credit card debts have high interest rates and you are running out of the specified repayment period. Therefore, if you borrow such a loan, you will be able to repay all your high interest credit card debts in time.

This will leave you with just the consolidation loan to repay. Such loans usually have a lower interest rates and ample repayment period and that is what makes them a popular means out of debts.

But where do you get consolidation loan to repay your credit?

Being in debt is a state that will obviously disqualify you for a normal loan. You will only be qualified for special types of loans, like consolidation loans, depending on your financial situation. There are several financial institutions that give out such loans to help people in settling their debts.

The most widely used avenues for consolidation

Cash Out Refinance

If you took all of those debts and refinanced into a 30 year fixed mortgage at 3.5{f2d684976d4b1fb03a7fab9258db1268243fc3731bcbbfe339489f8505af20a7} the monthly payment would only be $1,242. A $2,000 savings is monumental. Part of the savings is due to lowering the overall interest rate and elongating the repayment term of your credit card and auto loan debt. For example a car loan is typically for seven years or less. When you combine that balance with other debts into a thirty year mortgage you are prolonging the amount of years you have to pay that debt back.

Consolidating debts through a cash out refinance is another way to give you control over your monthly budget and free up cash flow for additional expenses. For people that have a decline in income, unexpected medical bills, or simply want to have more play money this is an ideal solution.

Refinancing and consolidating your debts can also help you to pay off your home loan sooner. If the above borrower could continue paying $3,238 towards debts on a monthly basis they would be putting the additional $2,000 directly toward the principal balance of the loan every month. At this rate the loan could