Angela Welsh

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.

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.

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.

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.

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.

To learn more about how to get your damaging posts removed go online to https://www.DigitalIdentityGroup.com.

Don't Fall into Deferred Interest Credit Cards over the Holidays or You'll Pay 27% More Interest.

America is a paradise for shoppers with a multitude of retail stores that offer foods, electronics, clothing and much more. The savvy shoppers often make a sport of looking for the best prices through sales, discounts offers, perks, interest-free deals and much more.

Many shoppers may prefer to use store cards instead of their everyday Visa card for shopping as many stores have their own cards and offer better deals. The holiday season is fast approaching and retail credit cards can really save some money and help counteract the ballooning effect that holiday gifts can have on their spending.

When checking out at a retail store we often come across stores offering 12 months or more free financing, if you apply for their credit card that very day. Chances are that you will be hearing this a lot more often if you accelerate your holiday shopping.

No doubt these financing offers are very tempting for holiday shoppers-and many take the bait-but are stores credit cards really a good deal? The answer is yes if it is used smartly , But before agreeing to apply for the store credit card there is one hidden trick you must be aware of otherwise your 'free financing' can backfire in a very big way and a common miss-step will end up paying 25% to 28% more interest on purchases you make .

According to WalletHub, the trouble arises due to deferred interest.

The difference between 0% Intro APR Cards and deferred interest cards

If you want to make a large purchase with a store credit like a home appliance you may qualify for special financing. Store Credit cards that offer free financing are 0% Intro APR cards and deferred interest cards.

You might reasonably assume that they work the same way, but they are different. You get 0% APR which will allow you to pay back the purchase money with no interest for a specified period such as 12 or 18 months. With Introductory 0% APR you will not be charged interest during the promotional period and interest will start to accrue only on the remaining balance. But on the other hand, differed interest cards are particularly dangerous. You will be charged interest not on the balance amount as in a 0% APR but interest will be charged on your entire purchase amount.

The Trouble with Deferred Interest Store Credit Cards

This is a feature which is commonly found in the fine print of 0% store financing offer plans and particularly dangerous. It is like a wolf in sheep's clothing as it pairs an enticing offer like 'no interest if paid in full' or 'special financing' with a clause that can turn sour. Many retailers do not disclose deferred interest clearly enough and if you make even the slightest mistake of not paying back the entire amount by the end of the interest-free period it can lead to some expensive post-holiday shopping season surprises.

With a deferred interest finance offers you must pay off the entire amount in full before the promotional free financing period is over. If you do not do so then you will have to pay the full amount of interest charges as if the interest rate was effective the whole time. The moment the promotional period is over the 'deferred' interest rates comes rolling back, not just the balance amount you owe but on the entire purchase amount.

Let us look at an example as to how much a deferred interest card can cost. If you had 12 months to pay off a purchase of $1,500 and you had paid $540(minimum payment of $45 dollars per month) at the end of the financing period. The store will then charge you 12 months of interest on the balance which will be a walloping $321 in interest and you owe the $960 balance on your purchase. Whew!

This is by far the biggest negative that is associated with credit cards. The interest rates of biggest retail-branded credit cards are often sky-high, with a standard 24.99% to 27.99% APR. In comparison the current average interest rate for all credit cards is 13.08% APR, according to the Federal Reserve.

So before using a 'deferred interest' store card you should plan to pay off the loan before the promotional period expires, as sometimes 'unexpected things occur and you may not be able to make the payment every month', says Bowne.

Avoiding getting surprised by the deferred interest

You can take advantage of zero percent finance offers by considering the following precautions:

. You should make sure you read the terms and conditions carefully to see if the card carries an annual fee, and what the go-to APR will be once deferred-interest promotion period expires.

. You can plan to have it paid off early by dividing the purchase price by 11 months instead of 12 months.

. Pay your balances each month by setting up the payment on auto pay and boost your chances of paying it off in time.

. You should avoid any extra trips to the store to avail of offers on 'card member' sales and only purchase what you want.

No doubt store credit cards offer you much better deals and discounts then typical cash back cards and you can save loads of money if you are a frequent shopper. But just remember not to leave a balance because 'deferred interest' will always destroy any savings and rewards the cards have offered.

About the Author:

My name is Angela Welsh a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair services 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.

This is a term referring to the action taken to correct the state of a persons credit. Causes for the need for credit repair can include previous poor credit management, finding errors on a credit report, or the terrible effects of identity fraud.

Actions taken during the process of credit repair might be the improvement of financial behavior or filing disputes with credit bureaus. Depending on the severity of the case, professional legal and financial counsel should be retained to resolve the issue.

Individuals can contact creditors and credit bureaus directly to dispute credit errors for free. Each business might have its own process and guidelines so contact the business involved directly and ask for their specific dispute procedures.

Trying to dispute and resolve errors can be time-consuming and cumbersome. Many people find the experience too frustrating and turn to credit repair companies to resolve the issues. Credit repair companies usually charge a fee for their service. These fees differ depending on the state of residence and the type of service that is requested. Victims of identity theft often require these services due to the vast extent of repairs needed.

Be wary when choosing to hire a credit repair company. Reputable companies do not make outrageous claims, and they clearly explain the terms of the agreement. The Consumer Protection Act was signed in 1996. A part of that act was Credit Repair Organizations Act (CROA). CROA protects consumers rights by making it illegal for credit repair companies to misrepresent what they can do for customers. And it is illegal to charge customers before performing their services. The Federal Trade Commission (FTC) enforces the CROA.

Under this enforcement, credit repair companies are required to:

1.Explain your legal rights in a written contract that details the services to be performed.
2.Elaborate your three-day right to cancel without any charge.
3.Tell how long to expect to get results as promised.
4.Inform the total cost to be paid.
5.Explain any guarantees.

If a credit repair company doesn't abide by promises made, consumers have options.

1.Sue the credit repair company in federal court for the amount up to actual losses or for whatever amount that was paid, whichever is more.
2.Seek punitive damages, a punishment.
3.Join other people in a class action lawsuit against the company

The FTC warns that not all credit repair companies are legitimate, even if they claim to be 'non-profit'. The FTC advises contacting your financial institution or local consumer protection agency as good sources of information and referrals.

If filing bankruptcy, laws require that you get credit counseling from a government-approved organization within six months before filing for bankruptcy. A list of these approved organizations is available at www.usdoj.gov/ust. This listing is managed by the U.S. Trustee Program.

Accurate information on your credit report and in your credit history, is a part of your credit history. Therefore, it will remain on your credit report for seven years.

About the Author:

My name is Angela Welsh a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair companies 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 legitimate credit repair firms in your area. Please contact me.

Here are a few of the many myths that are busted about rebuilding credit. You must have read and heard a lot about debt management, debt settlement, and credit score. The question is that do these terms mean anything or are they just layman terms? Can credit be repaired in reality? The answer to these questions can be found in them only. It is correct you need to research a little. If you are in trouble with your debts, get an answer to these questions. This article will give you an idea.

Increasing Credit Score will definitely help you lead a better life.

To start with credit repair is not a mere term and it is very much possible a thing. This means that you can repair your credit without much of a difficulty. Now the question arises as to how can you do so? Again the resolution to these queries lay hidden in the fact which approach you want to opt for, like a do it yourself or professional help.

If you want to stick to the do it yourself method, then you need to understand the importance of the whole thing. To be precise you need to get a fair idea of your position. If you are neck deep in debt and want a way out of this, then you need to get a grip on your spending habits. Pay your creditors on time and get current with your payments. All this will definitely help you lead a better life.

Nonetheless you need to be practical about one thing that is getting professional help for this is a far better idea than opting to do it yourself. A credit advisor on the other hand will hear you out, get all the necessary details from you about your income, and plan thing for you. They will make the required adjustments and assist you with all your queries in regards to debts. All this will in turn help you to get your credit repair done in no time at all. So what are you waiting for? Go ahead and call a credit counselor today!

About the Author:

My name is Angela Welsh a Financial Adviser at Zinu Credit Repair. It is a 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 summary and score. If you are wondering what are the best ways to repair credit. Please contact me. I am more than happy to serve you.

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 Angela Welsh a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair USA. That offers a free credit repair 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.

Living in a dynamic century, the ‘Woman of Today’ is in search of a responsible life partner who can manage his money. Your credit score says a lot about your character.

Very few of us are free from debt issues but one who pays his debts responsibly is a better option as it increases your chances of finding long lasting love.

A Survey Report in a US newspaper revealed that 9 out of 10 people consider financial security an important factor for getting married. According to New York Times more people are adding credit scores to their social filters A couple benefits in the long run if they have a responsible approach to finances.

Life in the modern world without using financial services is simply unrealistic and access to debt is essential for a middle class life. Sometimes when money problems come to light late in a relationship it can lead to separation and divorce. A good credit score will have a great impact on your love life and can lead you to happiness.

Debt impacts your family life in many ways:

• Burden of debt will affect your contribution to household expenses or even your entertainment and holidays
• It can prevent you from buying a home of your choice. Your own home indicates a financial stability and commitment.
• Having kids is a milestone that cements many relationships, but severe debt problems can put a break on this next step and results in marriage breakups.

To make your credit score more appealing and getting out of debt should be your priority for a carefree and happy life.

About the Author:

My name is Paty Lewis a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair firms in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you find the best credit repair company in your area. Please contact me.

InventureX is marketing agency that specializes in startups and crowdfunding. Since 2012, InventureX crowdfunding has helped over 350 entrepreneurs and inventors launch their products and raise money for their ideas. InventureX helps you prepare to launch on popular crowdfunding websites such as Kickstarter, Indiegogo, and others. Please check InventureX crowdfunding review for more information.

InventureX reviews new ideas and partners to bring them to life. If you’re an entrepreneur or inventor that needs to raise money then you need to reach out to the InventureX team. Crowdfunding can give you the edge you need to properly promote position your band, promote your product idea, and raise money.

Launching a new product or service has changed over the years. Crowdfunding has opened new doors to entrepreneurs everywhere. InventureX has helped veteran entrepreneurs as well as stay at home moms launch their business ideas. No matter your experience, InventureX can be the partner you need to turn your idea into a profitable business.

Crowdfunding allows you to raise money for you idea without going into debt or giving away ownership in your company. That’s why InventureX recommends crowdfunding to the majority of its startup clients. It is the ideal way to raise money and take your business to the next level. However, crowdfunding presents its own unique set of challenges if you don’t have the right help.

After the expert team at InventureX does a full crowdfunding views of your product, they have offer to partner with you. That means you get the entire InventureX crowdfunding team behind your next crowdfunding campaign. Having the right help can be the difference between success for failure, or a big raise versus a smaller raise.

Your idea deserves to have InventureX crowdfund marketing behind it. To crowdfund your next idea and turn it into a profitable business, you need to contact InventureX today. Not all business ideas or products will qualify. Entrepreneurs and inventors of all levels of experience are encouraged to reach out and start their own InvetureX review of their product idea. Visit them online at https://InventureX.com.

Millennials (people aged 18-34) don’t fully understand what impacts a credit score than older generations but according to a recent study it does not stop them from trying to improve their credit. They check their credit scores most and are trying actively to build and improve their scores according to Discover’s 2018 Credit Survey of US consumers.

If your credit score is lower than what you would like it to be then you are not alone as credit scores are influenced by many factors like a long credit history (35%,), level of debt utilization(30%) the age of credit(15%) mix credit(10%) and credit inquiries(10%). It is hard for many millennials to meet these criteria. But the good news is that you can boost your credit score this year by taking some concrete steps. Here are five steps that you can try.

1.Check Your Credit Report for Mistakes

You need to check your credit reports from time to time to see that they do not have any damaging errors by getting a copy each from the three major credit bureaus. In a study by the Federal Trade Commission in 2013 it was found that one in four consumers had a mistake on their credit reports that could have an impact on their scores. One in a five had an error that a credit reporting agency corrected after a dispute.

In order to ensure that you do not have any damaging errors on your credit reports you should get a free copy from the three major credit bureaus; Equifax, Experian, and Trans Union at AnnualCreditReport.com. If you come across any errors you should submit a dispute online with the bureau that is reporting the error. You should explain why you believe the information is an error and provide details about what you are specifically disputing. (Including account numbers)

If there are big mistakes clearing them up could lead to a great improvement in your credit score.

2.Lower your Credit Utilization Ratio

The amount you owe measured by your credit utilization ratio will account for 30% of your credit score. It can be calculated by dividing the total amount of debt owed by a total amount of available credit. For example, if you have a credit card with a limit of $1,000 and your credit card balance is $200, then your credit utilization ratio is 20% for that credit card. According to Experian a lower credit utilization (using a small amount of credit loaned to you) is preferred. So if you pay off your debts in time you could boost your credit score. You should decrease your credit card debt as the amount you owe will make up 30% of your score and using too much of your credit can be a sign of repayment risk.

3.Do not Skip or Miss a Payment on a Credit Card.

Missing a payment or skipping even one payment on your credit card can lower your credit score and cause it to drop by 100 to 300 points according to Bruce McClary, spokesman for National Foundation for Credit Counseling, a Washington, D.C.-based non-profit organization. This misstep can take you about two years to restore your credit score. So the first thumb rule is to pay your bills on time as this factor makes up 35% of your credit score. You can avoid late payments going forward by setting up automatic payments from your credit cards and other bills.

4.Have a Long Credit History

Having a relatively long credit history affects 15% of your credit score. Millennials should not close credit card accounts they have opened several years ago as it shrinks a person’s available credit.

Your credit history can be longer if a relative who has a long and awesome credit history is willing to help you and can add you as an authorized user of one of their credit cards. This is one of the simplest and fastest way to boost your score. The old card will show up in your credit report and you can also get credit for the history of on-time payments This also means that you have access to your relatives line of credit and if you make purchases it will affect your relative’s credit utilization and it would be the ultimate responsibility of your relative for paying back what you borrow. So that means the relative needs to trust you to be responsible for your purchases. You can avoid purchases altogether –would be vital.

5.The Necessity of Credit Cards

One of the great ironies of earning a good credit score is that you must have credit to build credit. So having a credit payment history is very important as it accounts for 35% of your credit score. If you do not have a credit card do get one. You can open a credit card for small day-to-day purchases and it should be paid in full each month to build your credit history.

You need to have a mix of types of credit as it affects 10% of your FICO score. Having different types of credit accounts will also improve your score. In addition to a credit card if you have an auto loan or mortgage that you make on-time payments each month or another credit card pay off each month it will help you to improve your scores. Obtaining more credit cards at one time can lower your score more.

According to McBride’s you have to “keep your borrowing modest particularly if you have an existing car loan or student loan debt, ”and that “ paying bills on time , keeping debts modest and paying your debts in time accounts for almost two-thirds of your score”.

About the Author:

My name is Angela Welsh 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.