Johns Tiel holds a master degree in Commerce from JNU. He is working as financial consultant in Chance For Loans. To find bad debt personal loans, debt consolidation loans, debtconsolidation loan, cheap rates, personal loans that best suits your needs visit http://www.chanceforloans.co.uk

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Article Source: http://www.articlesbase.com/ – Bad Debt Personal Loans: Cheap Loans Fixing Credit Trouble

Around 7,700 loans remain unpaid everyday in UK and many of these loans lead you towards adverse credit. So, people with affected credit rating have a large share in the society today. And, that’s why there are also measures for these problems, like the one, bad debt personal loans.

Bad Debt Personal Loans are advanced to the people without paying much heed to the credit rating. You can have these loans to meet almost any of your personal needs. You can have them to meet your debts, for business purposes, to have your home improved a bit, for study expenses, to buy a car or even to go for a holiday trip.

These finances are available in both the regular packs, secured and unsecured. You can have cheap interest rates and flexible repayment terms in the secured options where your collateral assures a safe return of funding you receive to meet the personal needs. Again, unsecured options allow you to have the cash without pledging any collateral. Here, the unsecured finances warrant slightly surged interest rates to be paid since there is no collateral attachment here. Anyway, these rates remain within a modest limit always.

The terms and amounts do vary in each of the finances available. You can have the secured ones for a term ranging from 5 to 25 years while the unsecured funding you can have for 1 to 10 years. Well, the amount of secured finances range between £5000 and £75000 while the amount of unsecured finances range from £1000 to £ 25000.

However, it is the online facility that lets you take the bad debt personal loans easily. Applying online is free and no obligatory in nature. You can apply through a small and easy to handle application from online. Also, you can apply from anywhere online

Everything in bad debt personal loans is attached only for the convenience of the borrowers and this is the cause why they are gaining momentum in the loan market today.

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Business Credit: No Personal Credit and No Personal Guarantee

November 8, 2010 6:00 am Published by Michael

Business Credit: No Personal Credit and No Personal Guarantee
Our Business Credit Membership provides weekly training,resources,vendor credit lines, cash credit sources and banking contacts. Great product with High Recurring commission. Low Returns and High Conversions.
Fast Credit Repair
Business Credit: No Personal Credit and No Personal Guarantee

Credit Scores Count – Find Out How to Evaluate and Raise Yours

November 7, 2010 6:00 pm Published by Michael

Fast Credit Repair
by Stargazer95050

Credit Scores Count – Find Out How to Evaluate and Raise Yours

Credit Scores Count – Find Out How to Evaluate and Raise Yours

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Credit Scores Count – Find Out How to Evaluate and Raise Yours

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Credit Scores Count – Find Out How to Evaluate and Raise Yours

By: Cathy Taylor

About the Author

Cathy Taylor is a marketing consultant and freelance writer and can be reached at creativecommunications@cox.net

(ArticlesBase SC #352701)

Article Source: http://www.articlesbase.com/ – Credit Scores Count – Find Out How to Evaluate and Raise Yours

Why do some people get offers for pre-approved credit cards and others don’t? What do car dealers know about your financial health that you don’t know? The answer is your credit score.

Your credit score is a number generated by a mathematical formula to estimate how likely you are to pay your bills. Based on the information in your credit reports from the three credit bureaus, Equifax, Experian, and TransUnion, your credit score has been a factor in your ability to qualify for loans and good interest rates for more than twenty years. Lenders compare your credit report with millions of others to determine your score.

While there are a variety of credit scoring methods available to lenders, the most widely used is the FICO score. Based on a scoring system developed by Fair, Isaac & Co., FICO scores range from approximately 300 to 800 points and are provided to lenders by the three credit bureaus. You also have access to your FICO scores but will be charged a fee by each credit agency providing your report.

According to Fair Isaac, the credit scores of the American public are divided as follows:

• 499 and below 1 percent

• 500-549 5 percent

• 550-599 7 percent

• 600-649 11 percent

• 650-699 16 percent

• 700-749 20 percent

• 749-799 29 percent

• 800 and above 11 percent

A score of 720 or higher will probably get you the best interest rates on a home mortgage. Your credit card company looks at your credit score to decide whether or not to raise your credit limit or charge you a higher interest rate. The higher your credit score, the better you look to lenders and the lower your interest rates.

Several factors affect your credit score including your payment history, the length of your credit history, any outstanding debt, how long and how often you’ve had derogatory credit information, such as bankruptcies, charge-offs, or collections, and the amount of credit you are using compared to the amount of credit available to you.

So how do you raise your credit score? Well, the first thing to do is to order a copy of your credit report with the score included from each of the three credit bureaus. Review your reports and note any discrepancies. Correcting blatant errors is the first step to repairing your credit, and changes can take up to three months to be recorded.

Next, remember to pay your bills on time. It may seem like a small thing at the time you’re writing that monthly check, but an accumulation of timely payments says a lot to a potential lender looking for a reliable client. Prompt payments in the last few months can actually make a big difference in your credit score.

While collections, bankruptcies, and late payments have the greatest negative effect on your credit score, your debt is a factor as well. Keeping your account balances between 25% and 50% of your available credit signals a responsible borrower. For example, if you have a credit card with a 00 limit, keep your debt below 00. For this reason, consolidating your credit card debt can actually lower your credit score, as it raises the ratio of your debt to your available credit. The best solution is to simply pay off your existing cards as quickly as possible.

Excessive inquiries over a short period of time also damage your score. When lenders, banks, or credit card companies check your credit report, the inquiries are recorded. Several of these “hard inquiries” in the same time period may signal to other lenders that you are opening multiple accounts due to financial difficulty.

If you discover that you have accounts on your report that you didn’t open, or your public records such as tax liens or judgments that are not yours, you may be a victim of identity fraud. It is up to you to deal with the damage that can happen to your credit score because of this criminal activity. Being aware is your first step, but when the items end up on your report, you have no alternative but to clean it up.

Overall, give yourself time to build a good credit score and even more time to correct serious problems. The length of your credit history is another determining factor in a good score. Lenders want to know that you are able to maintain prompt payments and good standing for a period of time. So check your reports yearly, do your due diligence, and your score can improve.

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Cathy Taylor –
About the Author:

Cathy Taylor is a marketing consultant and freelance writer and can be reached at creativecommunications@cox.net

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anyone in corpus christi want to hire me for custodial position?

November 7, 2010 5:00 am Published by Michael

Question by Charles S: anyone in corpus christi want to hire me for custodial position?
i have a lot of experience in cleaning and custodial type work. i am also in the pursuit of my phlebotomy certificate. here is my resume.
Charles S
E-mail: wisguy138@yahoo.com

OBJECTIVE To obtain a part-time or full time position while attending school.

EDUCATION
WCTC, Pewaukee, WI
Phlebotomy
Expected Graduation: January, 2010

ITT Technical Institute, Oxnard, CA
Associates of Applied Science in Computer and Electronics Engineering Technology
Graduated: September 2007

SKILLS AND ABILITIES
•Familiar with general cleaning supplies
•Knowledge of cleaning products
•Able to stand and walk for long hours
•Experience cleaning indoors and outdoors.

EXPERIENCE
Rembrandt Commercial Cleaning October 2008 – present
Custodian
•Used multiple cleaning supplies to clean facility. Sweep and mop floors. Clean bathrooms. Vacuum.

Corestaff / First Data Moorpark, CASeptember 2007 – August 2008
Auditor
•Worked with credit card companies to update information using Microsoft Excel and Word. Audited worksheets, organized and filed documents.

The Performance Group Camarillo, CAApril 2007 – September 2007
Service Technician
•Troubleshot and repaired copiers, facsimile machines and printers. Provided in-person customer service and answered questions

Kelly Services Ventura, CANovember 2006 – March 2007
General Laborer
•Completed various short term assignments in customer service, warehouse, and packaging departments.

Camarillo Self Storage Camarillo, CAFebruary 2006 – October 2006
Custodian
•Maintained and cleaned the inside and outside of the facilities.Used multiple power tools and troubleshoot gate mechanics

Select Personnel Camarillo, CAOctober 2005 – January 2006
Test Technician at Vitesse
•Tested semiconductors, performed troubleshooting, inventoried and packaged products

United States Navy Corpus Christie, TX November 1999 – November 2004
Medic at Naval Hospital, Great Lakes, IL
•Performed patient care – I.V. insertion, blood draws, and distributed medication to both infants and geriatrics.

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Best answer:

Answer by deathhero266
you just dont have the qualifications… sorry

Know better? Leave your own answer in the comments!

Having A Good Credit Score Is Extremely Beneficial

November 6, 2010 9:05 pm Published by John Smith

What does ‘credit rating’ mean? It is actually an assessment of the credit worthiness of individual citizens and corporations. Based on this assessment banks and financial institutions approve any credit facility to people and companies. The credit score is a statistical method which helps you to understand the possibilities of a party paying back the amount that has been borrowed. While dealing with credit scores you may get to hear the term “FICO score” – FICO is an acronym for the Flair Isaacs Corporation, the creator of the software that is used for calculating credit scores. Generally, scores that hover around the 350 mark is thought to be highly risky, while the scores that stand around 850 are of the lowest risk. A lot of factors are considered while assessing your credit worthiness, these are:
* The previous credit performance
* Current level of indebtedness
* The time for which credit has been used
* The types of credit presently available
* Pursuit of new credit options

Everywhere people are increasingly opting for plastic money over currency bills as they are finding it more convenient. While checking the latest credit card offers everyone realizes the utmost need to have a good credit rating. Your credit rating can effect where you live, what you buy and what you use to buy. It can affect your likelihood to be approved for a loan, a mortgage or a new credit card.

According to survey reports, an individual’s credit score is most affected by the historical propensity of paying off the debts. Therefore, the best way to improve credit score is to pay off the debts fairly quickly and regularly keeping track of your score.

Experts have claimed that it’s essential to maintain a healthy credit score of 720-850 as it will provide you with low interest rates of around 5.49% on your borrowings as compared to an interest of 9.29% for a score of 500-559. Having high interest rates can make it more difficult to pay bills on time and make your bills more expensive. Therefore having a healthy credit score can also save you more money in the long run.

Learn more about credit score. Stop by John Smith ‘s site where you can find out all about credit report tips and what it can do for you.

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Bad Debt Personal Loans: Cheap Loans Fixing Credit Trouble

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Credit Scores Count – Find Out How to Evaluate and Raise Yours

anyone in corpus christi want to hire me for custodial position?

Having A Good Credit Score Is Extremely Beneficial

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