January 27th, 2012 
Question by : if i want to dispute negative things on my credit report, do i need to dispute all three reports?
i want to dispute a few things (late payments, accounts that im not liable for) do i need to dispute it with all three reporting companys, experian, equifax, ect? or can i just dispute it with one and if it is removed it will remove it from all credit reports??
Best answer:
Answer by Judy
You need to dispute it on all 3 reports./
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January 25th, 2012
Bounce Energy Offers Customers New Cash Back Rewards Program
Houston, TX (PRWEB) January 02, 2012
After concluding a productive and popular 12 Deals of Christmas promotion in December 2011, Bounce Energy, a Texas electricity company, is launching its brand-new customer incentive program, 3% Cash Back Rewards, in addition to its Bounce Energy Rewards Program and American AAdvantage Rewards Program. This new program is designed to give loyal customers another rewards option by offering the chance to earn 3% cash back for paying their bills on-time.
When a customer makes 12 consecutive on-time bill payments, the customer will receive a 3% cash back reward. The amount of this reward is determined by adding up the amount the customer paid across the entirety of those 12 consecutive bills and then calculating 3% of that total. This reward will then be applied as a bill credit to the customer’s following bill. Customers will receive this 3% cash back reward for every set of 12 consecutive on-time bill payments made. Best of all, there is no minimum or maximum to how much customers can earn with this 3% cash back bill credit.
Current Bounce Energy customers may choose to switch to the 3% Cash Back Rewards Program.. New Bounce customers will be able to choose between one of the three different rewards program during the sign-up process. Also, some rewards program options only apply to customers with residential service.
Along with this new rewards program, Bounce remains committed to offering a range of incentives to its excellent customers along with the company’s competitive energy rates and plans. Customers who enroll in the standard Bounce Energy Rewards Program can earn rewards such as gift cards, movie tickets, companion airfare, bill credits, and a free month of electricity by paying their bills on-time. Customers who enroll in the American AAdvantage Rewards Program can earn one American Airlines mile for each $ 1 paid towards their electricity bill.
About Bounce Energy
Bounce Energy is a privately-owned and full-service retailer of electricity in Texas offering affordable, comprehensive and innovative plan to help customers easily manage their electricity service. As one of the fastest growing Texas electric companies, Bounce Energy has done so by developing its own technology infrastructure and applications. Bounce Energy’s internally designed technology includes applications for customer billing, product management, website and limiting management, partner management and tracking, customer behavioral marketing, reporting and analytics.
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January 23rd, 2012
Question by Hard11Away: what are 3 Credit report Companies I could called for free?
I Think I made A Mistake and I gave my social security number away…and now I need to called the credit report companies to check and for them to be aware but I dont know which ones
Best answer:
Answer by tkar
Call these three numbers and report that your identity might have been steal. You will find them very helpful.Trans Union – 866-922-2100Equifax – 1-800-685-1111Experian – 1 888 397 3742
Give your answer to this question below!
January 21st, 2012
Credit Card Billing Disputes Top Among Consumer Credit Card Complaints; Long Island Consumer Attorney Andrew M. Doktofsky Discusses Complaints and Remedies for Consumers
Long Island, New York (PRWEB) December 20, 2011
Credit card billing disputes are the most common national consumer complaint, according to a consumer response report published in November 2011 by the Consumer Financial Protection Bureau, which is an U.S. governmental agency that enforces federal consumer financial laws.
The Consumer Financial Protection Bureau (CFPB) collected various credit card-related complaints from consumers over a three-month period and analyzed and how they were handled by credit card companies. The CFPB provided the report to law enforcement authorities in order to make markets more effective for consumers and to protect the nation’s consumers from unfair or deceptive practices.
Consumers who currently have billing disputes with credit card providers can seek a remedy for their dispute under the national Fair Credit Billing Act. This Act, which is part of the Truth in Lending Act, allows consumers to dispute with a credit card company various types of billing errors.
According to Andrew M. Doktofsky, a billing dispute lawyer in Long Island, “The Fair Credit Billing Act provides a remedy for consumers who have disputes associated with open-end credit, including credit card companies. The FCBA covers a variety of consumer billing disputes. Once an individual gives the creditor timely notice of a billing error, the creditor is not permitted to take any action to collect the disputed amount from the consumer, until the creditor conducts a reasonable investigation of the billing error. Further, the creditor cannot report the consumer as delinquent, or threaten the consumer’s credit rating, pending resolution of the disputed amount.”
A consumer may dispute any of the following types of credit card billing errors:
Unauthorized charges, Incorrect billing statement amounts, Payments or credits not posted to the account, Charges not identifiable from the information provided, Charges for goods or services not accepted by the consumer, Charges for goods or services not delivered or accepted as agreed, Charges listing the wrong charge amount, Math or computation errors on the billing statement, and Bills sent to an incorrect address.
If the creditor fails to comply with the FCBA, the consumer may sue the creditor under the Fair Credit Billing Act to recover actual damages, statutory damages and attorney’s fees and costs. The statutory damages awarded are twice the finance charge, with a minimum of $ 500 and a maximum of $ 5,000.
The CFPB will provide another avenue for consumers to seek protections against unlawful, deceptive, abusive or unfair creditor practices. The agency aims to send consumer complaints to the credit provider or credit card company complained about, and permit the lender to address the complaint with the CFPB within 15 days and explain what they are doing to resolve the issue.
Long Island unlawful creditor practice attorney Andrew M. Doktofsky stated, “Unfortunately, many creditor complaints have not been responded to and have been ignored in the past, which is a predominant reason why so many consumers rank billing disputes as their top complaint. Previously, consumers have been required to pursue legal action in order to achieve any type of resolution. Hopefully, the CFPB will begin to regulate creditors and unlawful creditor practices in order to reduce unnecessary litigation.”
Other consumer complaints ranking near the top of the report included interest rate issues, fraudulent charges and financial scams. The CFPB has also recently started to take complaints regarding home mortgages and other home loans in an effort to reduce the number of consumer complaints in this lending area. Congress gave the CFPB the ability to overhaul and oversee credit card companies, mortgage lenders, student loan lenders and other financial products in 2010.
Andrew M. Doktofsky is a Long Island consumer lawyer and represents clients throughout Suffolk County and Nassau County, New York, including the areas of Deer Park, Hempstead, Freeport, Long Beach, Glen Cove, Brentwood, Islip, Babylon, Huntington and Commack.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
January 19th, 2012
The Business Finance Store Discusses New Changes in Credit Card Policies and Security
Santa Ana, CA (PRWEB) December 19, 2011
The Consumer Financial Protection Bureau (part of the federal government) wants major card companies to revise their agreements and make them more user-friendly, according to Credit Karma. The new 2-page-long agreement is a much more simplified version, Forbes reported. Small businesses seeking credit cards might be poised to wait for these agreements in order to simplify their selection process. In the recent blog post “New Rules: How Credit Card Changes Will Help Your Business,” the Business Finance Store discusses three major changes to credit card policies and security may affect small businesses.
Credit cards are an important part of small business life. Not only do they provide for one type of financing, they also allow customers to make purchases. Knowing the changes in credit card policies can mean the difference between business running smoothly or having a few extra bumps in the road. Read more about changes to credit card policies and security at the Business Finance Store blog.
The Business Finance Store is a business financing and consulting firm that offers customized Business Financial Solutions. Seasoned professionals offer assistance in a variety of financial solutions to help small businesses succeed such as: Business Financial Solutions, Legal Solutions, and Accounting Solutions.
The staff at The Business Finance Store understands that starting and growing a business is an exciting time. They keep it exciting by taking care of some of the most difficult aspects, by providing legal advice, helping with vital responsibilities like accounting & bookkeeping, and by obtaining business finance. They can quickly and easily guide entrepreneurs through many different complicated processes, and put them on the path to success.
For 10 years The Business Finance Store has been helping startups and other small businesses legally structure their companies, find the right franchises, get the funding they need, and to achieve the American Dream of owning their own successful business. Since expanding nationwide in 2007 they have helped thousands of companies and have funded over $ 60 Million in business credit lines, not including SBA loans. The Business Finance Store sees limitless potential in the current climate, and looks forward to many strong years of growth to come. Take some time to review their services, and give them a call.
For more information, or a free, no-obligation analysis of your business needs, visit The Business Finance Store, visit http://www.businessfinancestore.com. A member of their professional staff will contact you to discuss your business’ short and long-term goals. Whatever you need, The Business Finance Store is there.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
January 17th, 2012
Question by ryanmartin8: Does pulling my free credit report from annualcreditreport.com from all 3 at same time hurt my credit score?
I found that equifax had my single bonded listed doubly, thus doubling my mortgage liability. Should I pull my other two reports to see if they have the same error or will it lower my score?
Best answer:
Answer by Anjell
Not at all, it’s your report and you are free to look at it daily if you wish.Only creditor inquiries hurt your score.
Add your own answer in the comments!
January 14th, 2012
EDXRF Analysis of Precious Metals in Recycled Automotive Catalytic Converters
Austin, TX (PRWEB) December 15, 2011
Applied Rigaku Technologies, Inc. today has announced an efficient and economical new method for the direct analysis of precious metals content of recovered catalytic converter cores.
The new method is detailed in application note #1095 and demonstrates the use of the Rigaku NEX CG benchtop EDXRF analyzer in the determination of precious metals in catalyst material. A typical catalytic converter contains a ceramic core coated with a layer containing a combination of platinum group metals (Pt, Pd, Rh). These converters are often recycled. Analysis of precious metals content of recovered catalytic converter cores is critical to assessing value of these elements within the automotive recycling stream.
In this application, a calibration method was built using the Rigaku RPF-SQX Fundamental Parameters template, an advanced FP program that automatically deciphers overlapping elemental peaks and models the sample matrix using fundamental XRF equations. This allows for a measurement of elemental concentrations without the need for known assayed calibration standards. A Matching Library, using three assayed samples, was employed in conjunction with the RPF-SQX to enhance the accuracy of the results.
Rigaku’s unique RPF-SQX Fundamental Parameters software offers quick, direct analysis, of powdered catalytic converter cores, without the need for a large suite of calibration standards. The Rigaku NEX CG, with its high performance Cartesian geometry and advanced yet user-friendly software, therefore provides a convenient and valuable tool for the catalytic converter recycling industry.
A copy of this report may be requested at:
http://www.rigakuedxrf.com/edxrf/app-notes.html?id=1095_AppNote
About Rigaku
Since its inception in Japan in 1951, Rigaku has been at the forefront of analytical and industrial instrumentation technology. Rigaku and its subsidiaries form a global group focused on life sciences and general purpose analytical instrumentation. With hundreds of major innovations to its credit, Rigaku and its subsidiary companies are global leaders in the fields of small molecule and protein crystallography, X-ray spectrometry and diffraction, X-ray optics, as well as semiconductor metrology. Rigaku employs over 1,100 people globally and its products are in use in more than 70 countries – supporting research, development, production control and quality assurance activities. Throughout the world, Rigaku continuously promotes partnerships, dialog, and innovation within the global scientific and industrial community.
For further information, contact:
Scott Fess
Product Manager
Applied Rigaku Technologies, Inc.
tel: +1. 512-225-1796
info(at)RigakuEDXRF(dot)com
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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January 12th, 2012
Washington Post Reports that “Emboldened UC-Davis Students Protest Tuition Hike;” TheCareerPeople.com Urges Students to Look at Lower Cost Alternatives
Fort Lauderdale, Florida (PRWEB) December 08, 2011
The College Board has reported that this year tuition and fees for in-state students increased by 8.3 percent to an average of $ 8,244 at public universities, while private universities increased their tuition and fees by 4.5 percent to an average of $ 28,500. And that doesn’t include additional costs such as room, board and textbooks.
Sheila Danzig, education expert and founder of TheCareerPeople.com and TheDegree.com, suggests that students look into alternatives to save money.
“For one thing families should look at local 2 year degrees. Tuition is low and the students can live at home. ” To help students see the value of a two year degree Danzig is giving away her book great careers in two years at http://www.thedegree.com/free-downloads/ which presents good paying careers that require an associate degree.
“There are former alternatives such as testing out of classes”, added Danzig. “You can test out of an entire degree or you can test retired of individual classes,” added Danzig. “You tin also get credits or fifty-fifty a full degree based on what you learned in a job, hobby or your travels. This is the better kept secret in education today.” For more information go to http://www.TheCareerPeople.com/
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
January 10th, 2012
Question by peaches6: With a freeze on a credit report with all three credit bureaus, can other companies still check your history?
Best answer:
Answer by Jeff H
My understanding is that your permission is required for additional described to be done after you freeze it. Be aware that the freeze usually is for a limited time period.
Give your answer to this question below!
January 8th, 2012 HCG Diet Expert, Beth Golden, PhD, ND Speaks at 14th International Congress of Bioenergetic Medicine on Legalities and Efficacy of the HCG Diet
St. Petersburg, Florida (PRWEB) November 30, 2011
Appearing at the 14th International Congress of Bioenergetic Medicine held November 3 – 6, 2011 in Orlando, Florida, the HCG Diet Expert, Beth Golden, PhD, ND continued her 2011 speaking engagements by presenting a 90-minute presentation specifically focused on the HCG Diet and its effect on Type II Diabetes, Insulin Resistance and Emotional Eating. Covering not only the history and current industry standards of the HCG Diet as it relates to these conditions, Beth also discussed her clinical experience and how industry Health Care Professionals can be better informed and prepared to coach their patients to successful weight loss through the HCG Diet.
“As Health Care Professionals concerned about our patients’ health, we must take into consideration how obesity is the root cause of many illnesses and the value of the HCG Diet combined with lifestyle changes.” Beth states.
The HCG Diet dates back to the 1950s when British endocrinologist Dr. ATW Simeons began researching the use of hCG to help people lose abnormal fat. Knowing that hCG positively affects the hypothalamus gland, which is responsible for regulating the body’s ability to store and release fat, Simeons hypothesized that people who could not lose weight or who stored abnormal fat potentially had a problem with the function of the hypothalamus gland or the association with it regulating abnormal fat. After years of research with hCG combined with a diet of specific foods, he successfully created the HCG Diet Plan to help people lose extraordinary amounts of abnormal fat in a relatively short period of time.
While Dr. Simeons’ focus was on the use of hCG through injections, today hCG can be found as either a prescription or a homeopathic and is administered through injections, hCG drops, pills, lozenges, sprays and/or topically through hCG creams. As reported by Mehmet Oz, MD on the Dr. Oz Show in February 2011, the HCG Diet is helping reduce obesity, Type II Diabetes and Insulin Resistance at extraordinary rates, as well as offering a successful weight loss program for many unsuccessful life-long dieters. Statistics also indicate the HCG Diet is working quite well for many Weight Watchers®, Jenny Craig® and Nutri-System® drop-outs.
Presented by BioEnergetic Seminars and the Academy of Comprehensive Integrative Medicine and sponsored by Zyto™ and American Nutriceuticals, in addition to Beth’s HCG Diet seminar, other seminar topics included hormone balancing, anti-aging, detoxification, cancer, heart disease and laser therapy. The Congress also featured a host of additionally renowned speakers including Daniel Clark, MD, Founder BioEnergetic Seminars and BioActive Nutritional, Inc; Lee Cowden, MD, MD(H) Chairman of the Scientific Advisory Board, The Academy of Comprehensive Integrative Medicine; Larry Lytle, DDS, PhD, Low Level Laser expert; Stephen Holt, MD, Founder the Holt Institute of Medicine; and Vaughn Cook, OMD, Founder, Chairman of the Board, CEO Zyto™ Corporation, among others.
Beth’s next seminar on the HCG Diet will be via satellite broadcast on Saturday, December 17, 2011. For more information on this event or to learn more about Beth’s HCG Diet training courses, certification and business building, visit HCGMax.com or call (727) 399-0800.
About Beth Golden, PhD, ND
Beth Golden, PhD, ND, with her clinically-formulated HCG Diet Programs, is the leader in Research, Formulation and Manufacturing of HCG Diet Products, offering state-of-the-art HCG Diet training materials, tools, continuing education and HCG Diet Coach support that lead to real-world success. Beth’s HCG Diet Formulas, HCG Diet Training Certification Program and HCG Diet Business Building System were developed from clinical trials in over 80 locations throughout the US and Canada since 2007. She is the developer of the Professional Internet Partnership Program (PIPP) and the founder and Advisory Board Member of the HCG Diet Council. She is also credited with formulation of the HCG Diet’s only oil-free skin care line, HCG Diet Skincare by Golden Essence and serves as a Manufacturer’s Consultant for HCG Diet formulations.
About HCG MAX® Diet Plan and the HCG MAX® Diet Plan Licensure Program
The HCG Max Diet Plan is a comprehensive 4-Phase HCG Diet protocol inclusive of detoxification, HCG MAX 21 ingredient homeopathic hCG oral spray, a specific diet plan, life style changes and an entire line of clinically-formulated HCG Diet support products for use before, during and after the HCG Diet. The HCG MAX Diet Plan is only available through Doctors, other Health Care Professionals and the company’s website HCG Diet Plan.
The HCG MAX Diet Plan Licensure Program for Health Care Professionals is a comprehensive turn-key training package designed to provide the proper education to successfully operate an HCG Diet Business. In addition, Licensees may participate in the Professional Internet Partnership Program (PIPP), designed to enhance the Professional’s HCG Diet business and provide support to the HCG Dieter. For Health Care Professional interested in learning more about the next Certified HCG Weight Loss Coach certification training program, visit HCGMax.com or call (727) 399-0800.
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