Life Insurance Book Review

11/29/2006

Increasing your credit score

Filed under: — Glenn @ 11:05 am

I don’t have any issues with my credit rating, but many folks do - and for those folks increasing their credit ratings is an issue. Your credit rating is probably the largest part of what qualifies you for loans, mortgages, anywhere where you need to have a lender give you money.
Seasoned Trades is a website claiming they can add up to 200 points on your credit rating. Apparently they somehow allow you to ’share’ credit ratings with an established rating. I honestly have no idea how that works and it seems a bit bizarre, as if you’re borrowing someone else’s credit rating. Is that even possible? Their website claims that mortgage brokers have been doing this for years. The packages seem a bit expensive as well, starting at $1000 and increasing up to $3000. That’s likely a tough haul for someone with a poor credit rating.
They also appear to offer loans to their clients as well. There wasn’t a lot of info on their site about this, I’d expect they’re basically offering high risk credit loans without coming right out and saying it.
Anyway, if you’ve been digging around for credit repair ebooks, this seems like another option open to you.

11/28/2006

Credit Card Processing

Filed under: — Glenn @ 11:54 pm

If you’re like me and manage a small business selling a product or a service, you’ve probably struggled with credit card processing systems. I recently was pointed to yet another company offering these services; they’re website is located at http://www.advantageprocessors.com.

Seems like these folks do both high risk and low risk transactions for companies - however the credit card companies define ‘high risk’. Typically that’s for companies looking for MOTO credit card processing (MOTO stands for Mail order and Telephone Order). Having previously run a MOTO business myself dating back to the mid to late 1990’s, I’ve gone through these hoops a number of times. The fact is, the actual credit card companies don’t have a clue about risk and don’t evaluate individually at all.

I was one of the first 1000 companies to do online credit processing with Visa in Canada. Back in the day, companies like Advantage processors weren’t around and the credit card companies would put you through hoops. I used to have to fill out 25 page forms (seriously!) that included everything from my computer password protection, to how my ISP performed backups. Aaaah, those were the days. Nowadays I sign up with one company who handles all of my online and offline processing in one spot, for all my credit card companies. Companies like this proved a much needed interface between credit card companies and small businesses. The number of these types of companies helps keep this type of service competitive. Things have progressed a lot in the last 10 years in this area, it’s definitely been a boon to my business.

11/26/2006

Payday Loans

Filed under: — Glenn @ 8:34 pm

Who doesn’t find themselves short of cash before your payday from time to time. Here is a site that offers payday loans to help you out. It would appear that approval happens fairly quickly and money will be in your account within several days.

The nice thing about this site is it offers a lot of information about payday loans and cash advances so you are not left questioning what you are getting yourself into.

This site also offers payday loans and cash advances to people who have bad credit or no credit so if you are having trouble with other payday companies this is the place to shop. They offer secure and discreet service to all customers and have been in the business for a number of years.

The information on this site is a good place to start if you are investigating any cash advance sources in the future.

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