Question by Mr SmoothHead: Trans Union verses Experian which is better?
Which is better in your opinion?By the way Trans Union has a class action lawsuit against them.Go to https://www.listclassaction.com to get REALLY free credit report through this class action suit.
Best answer:
Answer by Go Cubs Go
Experian is to me. They are more honest about things. This lawsuit against TU shows their weaknesses.
Add your own answer in the comments!
Question by little hand: I got approved for a credit union secured card that reports only to Trans Union?
I want to build a good credit , does that mean I should not complete the process ?
Best answer:
Answer by Cold
These credit unions do not have the funds to report to all three bureaus.Why would you get a card that only reports to one bureau.Besides, many people consider TransUnion the bottom of the pile.Get a card through Citi Bank or Orchard.They carry among the best.Both of these report to all three credit bureaus.In the future you could end up at a car dealership that only looks at one of the credit bureaus (again to save money). What are you going to do if they see you have absolutely no credit history?————Afterthought: Have you tried applying for a regular credit teased?You are established with that bank, you might just get it.If you do, do sure you pay in full each month.Just wished using the secure card, you replace the money in full each month.Carrying balances is a good way to destroy credit..
What do you think? Answer below!
Question by betsyb: how do i get in touch with Trans union credit services? I want to investigate some companies?
I don’t recognize companies on my credit report – how do I find out who they are?
Best answer:
Answer by bianca
on the one of the last page of your credit report you should have phone numbers and addresses of every your creditor on your credit report.
What do you think? Answer below!
NJ Divorce Advisors, LLC Announces Seven Ways To Protect Yourself Financially In A Divorce
Red Bank, NJ (PRWEB) November 10, 2011
Divorces can be ugly. Even if you think your soon-to-be ex is trustworthy, scorned spouses can be vicious. What better way to screw up someone’s life then by draining a bank account or destroying one’s credit? It happens a lot. While one article can’t tell you every way to protect yourself or offer specific legal advice to your situation, New Jersey Divorce Advisors, LLC, has partnered with Family Attorney Richard Panitch of Marks & Klein, LLP to compile seven ways you can protect yourself financially if you’re going through a divorce:
1. Get a free credit report: You’re probably saying to yourself, “I know my credit score and my debt situation.” That might very well be true, but many times, a spouse won’t tell you they bought that new sofa they always wanted with your joint credit card. Then they’ll try to make you pay for it. In the case of infidelity, cheating spouses often have a motivation to hide certain charges and assets from you. One way to do a quick health check on your debt is to review your credit reports issued by the three major credit reporting companies: TransUnion, Experian and Equifax. You can get a free credit report from all three, once a year by going to the web site: http://www.annualcreditreport.com. Caution: Many credit score companies try to make lots of money by monitoring your credit for you. For the most part, you don’t need a service and the above reports are totally free.
2. Figure out your assets and liabilities: Check your bank statements, brokerage accounts, and credit card statements. Be sure to check for new accounts for which you’re not aware. Even if one spouse is unaware that a debt exists, he or she can be held liable for repayment after the divorce is finalized. While a spouse in New Jersey has a duty to be forthcoming about assets under the state’s matrimonial law, not every spouse takes that duty to heart. The best way you can protect yourself is to be educated. An experienced lawyer and capable financial team can also help tremendously.
3. Figure out the cost basis of investments: Do you know the tax implications of your investments? A 50-50 split might not be as equitable as you think. If one of your stocks has appreciated significantly since you purchased it, you’ll be paying capital gains taxes on those appreciated shares when you sell. You might also be in a situation where your largest marital assets are illiquid — can’t be converted into cash — such as a retirement plan or your personal residence. You must consider tax consequences, early withdrawal penalties, and transaction costs to equally divide assets.
4. Stop putting your paychecks into a joint checking account: Too many terrible tales exist beginning with the words, “My spouse is very trustworthy and we’ve always put the money in the joint account to share expenses.” That warm fuzzy feeling doesn’t last when the other spouse writes a check and cleans out that joint account. With most joint accounts, either party can go in and remove funds without the other’s permission. The best way to protect yourself is to set up a separate account in your name only. Again, a good financial advisor can ensure accounts are titled correctly.
5. Stop the joint credit cards: If you have opened credit card accounts with your spouse, put some protections in place. Cancel the joint cards. Even if you both agree that one spouse will be responsible for that credit card, the bank has both of your guarantees and doesn’t have to honor the agreement between you and they won’t. The credit card company just wants its money back plus interest. Protect yourself. If you must have joint credit cards, establish low credit limits with the financial institution and make sure you confirm the arrangement in writing.
6. The Settlement Agreement matters and it matters a lot: In New Jersey, most divorce cases are settled by what we call a Property Settlement Agreement. This agreement disposes of not only the property and financial issues in a divorce, but also child support, alimony and custody issues. The language of that agreement matters. The Court doesn’t rule on whether the settlement is fair. They rule on whether the agreement was voluntary and if the parties believe it’s fair. If you’re decision proves to be unwise, you’ll be stuck with that agreement once the Court rules. Don’t write this agreement yourself. It’s never a good idea. Lawyers and financial planners who work in this area are trained to think about important issues that most individuals might not. These can include rebuilding, estate planning issues, avoiding IRS penalties and liability, life insurance (making sure the children are protected in case of tragedy), dealing with privately held businesses, college fiscal planning and so on.
7. Update your Estate Planning Documents and Beneficiary Designations: Many people don’t realize that beneficiary designations on accounts such as IRAs, 401(k)s, pensions and annuities supersede what is written in a Will. We’ve heard so many stories about a flush individual dying and his or her ex-spouse from 20 years prior receiving a significant sum of money. This happens when the decedent fails to update a beneficiary designation. A good practice, whether divorcing or not, is to review beneficiary designation forms annually. With all the effectual, financial, and emotional chaos a divorce tin bring, many populate forget to update their estate planning documents. Do you really want to leave all your worldly possessions to your soon-to-be ex? Do you really want your soon-to-be ex acting as your Power of Attorney if you become incapacitated?
About NJDA
New Jersey Divorce Advisors, LLC, was formed to help divorcing individuals and their attorneys make informed decisions and negotiate equitable divorce settlements. Trained in both mediation and collaborative divorce, our advisors are equipped to navigate the most complex situations. We may be hired as a neutral third party or as a client advocate.
For more information about the benefits of collaborative divorce, visit http://www.njdivorceadvisors.com.
Richard Panitch is a Family Attorney with Marks & Klein, LLP in Red Bank, NJ.
Bryan Koslow is a Certified Financial Planner and Certified Divorce Financial Analyst with NJ Divorce Advisors, LLC, in Red Bank, NJ.
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Social Security Disability Recipients to See 2012 Cost of Living Increase with January Payments
Belleville, IL (PRWEB) October 19, 2011
Beginning in January, Social Security disability recipients will see their monthly benefits increase with the 3.6 percent annual cost-of-living adjustment (COLA), according to Allsup, a countrywide provider of Social Security disability representation and Medicare plan selection services.
“This is good news for Social Security beneficiaries who have gone two years without a COLA,” said Paul Gada, personal financial planning director of the Allsup Disability Life Planning Center. “The down side is that it reflects an increase in the cost of living, and it’s also likely that existing Medicare plan participants will see their premiums increase.”
The Social Security COLA is tied to the annual increase in the Consumer Price Index, which takes into account the rate of inflation for the goods and services people buy. The U.S. Bureau of Labor Statistics’ Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the third quarter of the year is used to set the following year’s COLA.
Automatic benefit increases, or COLAs, have been applied to Social Security benefits since 1975 and have occurred every year except for 2010 and 2011, when consumer prices did not experience typical increases, and 1983, because of an administrative change. The COLA increase is applied to Social Security Disability Insurance (SSDI), Social Security retirement and Supplemental Security Income (SSI) benefits.
SSDI is a required, tax-funded Federal insurance program furnishing individuals with fiscal resources if they are ineffectual to work for 12 months or longer because of a wicked disability or endmost condition. Individuals must have payed sufficient FICA taxes to be eligible.
COLA for Social Security Disability Recipients
The cost-of-living increase will be helpful to people with disabilities relying on Social Security disability benefits. Based on the average SSDI benefit of $ 1,070.40 in September 2011, the increase will amount to about $ 38.50 per month, or approximately $ 462 for the year.
But the relief may be short-lived for those also already receiving Medicare benefits. (SSDI beneficiaries begin receiving Medicare 24 months after entitlement to cash SSDI benefits.) “When there is a COLA increase, Medicare premiums increase, too. In 2012, they may increase enough to offset any COLA a Medicare beneficiary might receive from Social Security,” Gada explained.
The Centers for Medicare & Medicaid Services (CMS) is expected to report 2012 Part B Medicare plan premiums in November. “It remains to be seen how much of the COLA will be consumed by rising Medicare premiums,” Gada added.
Income Decisions and Social Security COLA
To make the most from the COLA increase, it’s important that people with disabilities assess their financial situation and determine the greatest need for this additional income.
Additional priorities to consider:
Review healthcare requirements and coverage.
o For those people already receiving Medicare benefits, annual enrollment flavouring (Oct. 15 – Dec. 7) provides the chance to change healthcare coverage. “If you think you are paying too much or you’re not getting the coverage you need, now is the time to make change,” Gada said.
o For those awaiting Medicare eligibility, make sure to evaluate COBRA options to extend existing healthcare. Also look for healthcare resources that can help lower costs, such as drug subsidy programs. Click here for a list.
Pay down credit card debt. National credit card debt is about $ 4,699 per borrower, according to TransUnion. “If you have credit card debts, you can add to your financial stability by applying any extra income to eliminating this debt,” Gada said.
Refinance or get mortgage help. The monthly increase, while slight, could signal the opportunity to evaluate other methods for improving your financial situation. People who have high interest rate mortgages or are having difficulty with their mortgage should investigate refinancing.
Consider additional resources. Numerous government-sponsored programs are available to low-income individuals, including help with heat, electricity, telephone and water bills; reduced public transportation fares; property tax credits; food stamps and food pantries; free meals for children attending school.
Social Security Disability & Medicare Help
Individuals with a severe or permanent disability who have quit running should consider applying for Social Security Disability Insurance benefits. Financial aspects of applying for SSDI include increased monthly income, the potential to broadening COBRA healthcare coverage, medical benefits through Medicare, protected retirement benefits, dependent benefits and return-to-serve incentives.
Find more resources for people with disabilities, and answers to questions about Social Security disability benefits at http://www.allsup.com. If you think you may be eligible for Social Security disability benefits, contact Allsup’s Disability Evaluation Center at (800) 678-3276.
Find answers to Medicare questions by contacting the Allsup Medicare Advisor®, which works one-on-one with individuals to help them choose the Medicare plan that best meeting their needs. You can visit http://Medicare.allsup.com or call (866) 521-7655.
Editor’s Note: Graphic of Social Security cost of living adjustments available at: http://www.allsup.com/portals/4/COLA-Chart_10.19.11.pdf
ABOUT ALLSUP
Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Founded in 1984, Allsup employs nearly 800 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., approach St. Louis. For more information, go to http://www.Allsup.com.
The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation.
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Question by Coe281: How to contact Experian and Trans Union?
I have been trying to get in touch with a person ( not a recording) to inform them of a satisfaction of judment paper I need to send or fax to them. I am only getting recordings and seems they want me to purchase ANOTHER credit report before I can actually speak to an unrecorded human being. I did buy a report from equifax to get a hold of them… How do I get a Fax number or a human on the phone WITHOUT purchasing something?
Best answer:
Answer by dropkick232000
TRY,Equifax: 1-888-766-0008 or 1-800-525-6285For more information, visit the Equifax website at: http://www.equifax.comExperian: 1-888-397-3742 or 1-800-311-4769For more information, visit the Experian website at: http://www.experian.comTransUnion: 1-800-680-7289For more information, visit the TransUnion website at: http://www.transunion.com
Add your own answer in the comments!
Question by Debow: Who can I contact about trans union credit bureau. I have disputed items on my report that do not belong to?
me about five times, but they won’t remove them. Equifax and Experian removed the items the first time I disputed them. What can I do?
Best answer:
Answer by Mike
Keep disputing it. Whenever they respond, write back challenging the reason they saying they won’t remove it. If you keep it up, they will eventually remove it. The name of the stake is to keep coerce them to remove the item. Also write to the creditor and tell them that it is a violation of the Fair Debt Collections Practices Act to report a debt that is being disputed. If it is a small debt, sometimes the best thing is to send them a percentage with a letter tell if they accept this money it means they agree to remove any negative statements on entirely CBR’s. Usually they will cash the check without reading the letter, especially if they are a large company. Then you mail a copy of the garnered and the canceled check to Trans Union and then they will remove it for sure.
What do you think? Answer below!
How to meliorate wretched or wanting credit by paying your bills on time
(PRWEB) October 24, 2011
While lending to unbanked and underbanked is not always desirable for financial institutions, there is a need specific short-term, small-dollar credit. Many consumers experience temporary gaps in income and the need to cover basic living expenses such as rent, utilities, and transportation costs. In April 2010 study [1] conducted by the Information Center on Financial Services (CFSI) found that:
There are 30 million households banked and under-banked in the United States.33% of U.S. households unbanked and underbanked borrow to pay for small-dollar short-term financial needs.Nearly 40% of those who do borrow to pay bills or cover basic living expenses.16% of those under-banked obtained payday loans in the past year.45% of borrowers unbanked and underbanked prefer to conduct their financial transactions with a bank or credit union.
So how the unbanked and underbanked build credit, wealth, and ultimately financial prosperity? The answer may involve alternative credit scores.
What is a credit score alternative?
designed to help telecommunications providers, retailers and other sales oriented credit issuing companies under-banked, other data providers such as L2C CGR Credit Agency Inc have been around for about a decade . These companies provide credit reports that incorporate alternative sources of information generally not considered by the three major credit reporting agencies-Equifax, Experian and TransUnion. Sources of information include the history of mobile telephony service payments, utility bills, loan payments from wages, property records, and employment information.
original large lenders avoided such accounted, as under-banked consumers are not a target market for many banks and predictability of this information has been widely well-tried alternative.
Whytraditional banks are using credit scores Alternative More Than Ever
Many in the financial services industry now realizes that the application of alternative credit data extends beyond the under-banked consumers. “As we got out of the recession, and even in the recession-what they have achieved is that the data could help them in their entire book of business, and then it became a much higher priority [2 ], “said Mike Mondelli, founder and CEO of L2C.
The recent financial crisis has also highlighted a reliance on traditional credit scores. Many financial lending institutions are aware of the utility of alternative data as a supplement to traditional credit ratings. According to John Ulzheimer, president of consumer education at SmartCredit.com, “There is certainly more of an appetite for what I define as the ratio of non-traditional credit information. Lenders only realized as credit information file that does traditional date [2]. “
“As an industry, we believe that we moved away from the stage of testing and skepticism,” Mondelli said, “We are firmly in the early adoption, and we seem to be going mainstream [2 ]. “The incorporation of alternative credit data in the databases of the three major credit reporting agencies to validate this belief. Equifax, Experian and TransUnion all have added new sources of information in their databases, including hiring, employment and income verification. Equifax and TransUnion have also formed strategic partnerships with L2C to provide the data as a complementary service to its customers. Moreover, according to Mondelli, 15 of the top 20 consumer lenders are either using data or L2C are in phase [2] driver.
Lenders are primarilyusing alternative data as a complement to standard scores to determine the creditworthiness of borrowers outside the “super premium” category-those with a FICO score of 780 or less. This allows them to revisit consumer segments that have emerged during the recession. With more information available to them, banks and credit unions can expand their pool of eligible borrowers without assuming more credit risk.
Your action intend for improving poor credit
alternative impute scores play a greater role in how lenders ascertain credit worthiness, here are some steps you tin take to improve your credit rating:
1. Make a commitment to pay your bills on time. As credit scores become more alternatives a factor in your credit score, paying bills on time becomes a crucial aspect of building credit. Unless you are willing to make that commitment and stick to it, for the next two suggestions will not help.
2. Contact your mobile service, utilities, and any other service to see if they report information to credit bureaus alternative. Many providers report that information automatically, while others offer only as an option. For example, many payday loan providers give their borrowers the opportunity to have their stories payday lend reported to credit bureaus alternative, but borrowers must first apply for this service. For reasons of construction loan, you’ll want to have as many describe issuers to ascribe bureaus alternatives.
3. If you need funds to help cover short-term income gaps, to borrow wisely.
a. Onlyborrow in emergencies.
b.possible, borrow money from friends or family, and pay back as soon as possible. Even if you have to repay with interest, it will often be much cheaper than a traditional loan. And if you pay them back immediately, they will be more willing to lend to you in the future.
c.If you need to borrow a substantial amount of money slightly and your family and friends can not help you, consider taking a personal loan or loan against your car or home. Of course, you’ll want to make sure that you will be able to repay the loan before borrowing.
d.If you only need a small amount of money to do it until your next paycheck, you might consider payday loans. Unlike most banks, payday lenders clearly indicate the cost of your loan transaction in advance. Payday loans do not require a credit check, and are secured so you do not risk losing your personal assets. In addition, the simple application process means you will receive your money in as little as one business day, something you can not get from most conventional lenders.
Works cited:
[1] How do we serve the needs of short-term credit for low-income consumers? Centre for Financial Services Innovation, April 2010. Web. June 20, 2011. http://www.l2cinc.com/assets/files/PDF/InBrief_Credit_Symposium_Apr2010.pdf.
[2] Lepro, Sara. “Use credit alternative is thriving.” Collections & Credit Risk. PaymentsSource June 2, 2011. Web. June 20, 2011.
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Question by : Why is Trans Union Credit Report Score 23 points lower than Equifax and Experian?
I want to refinance my loan and the banks in the area of the US where I live mostly pull the credit report from that specific source. So, why is it lower than the other two and how can I fix it? It has the exact same info as in the other two. I have all three reports with me. Should I go and hand them to the financial officer at the bank to show the incongruity?
Best answer:
Answer by Diane A
Just could be how they score things & have no impact.
Know better? Leave your own answer in the comments!
WMX Group Inc. (WEX:GR) & CEO, Thomas Anthony Guerriero Confirms That Syed Gilani Has Officially Joined Their Board Of Directors
Cambridge, MA (PRWEB) September 23, 2011
WMX Group, Inc. (WEX:GR), Chairman & CEO Thomas Anthony Guerriero has affirmed that Syed Gilani the Founder & President of Trans-Atlantic Business Solutions Inc. has formally joined their Board of Directors.
WMX Group, Inc., Chairman & CEO Thomas Anthony Guerriero is thrilled at this latest addition to the Board of Directors. “Syed Gilani comes from a long blood line of astute professionals that understand global markets at a level only reserved for the inner circle elite.”
Syed Gilani established and is currently presiding terminated an international business solutions systems provider accompany to help small and medium scale businesses in achieving their objectives. Providing relentless strategic leadership and vision to the accompanying in contriving and developing robust technology based solutions. Mr. Gilani has take the start up to serve more than 100 worldwide clients in a short period of one year while continuously increasing the quality standards and customer satisfaction. He has worked diligently to establish the business without any debt and with higher profitability. He has provided strategic vision in designing successful brands of BIZVI.COM, BIZVI Grafix, BIZVI Research, BIZVI Training, WAUTHOR, and upcoming brands of BIZ2O and SUMUSU. Mr. Gilani is a Member of the Asian American Business Development Council. He is on Board of Directors of Columbia University Business School Mentorship Program. He is a Member American Marketing Association, the eMarketing Association, the Human Rights Commission of Pakistan, and a Member Pakistan Software Export Board.
Mr. Gilani was honored as one of the 50 Outstanding Asian Business Leaders in America by AABDC. He personally conducted marketing and business management training series with Small Business Development Center to help small and medium scale businesses understand the demands of competitive global business environment. Mr. Gilani, Co-host radio talk exhibit “Money Talk & More” and conducted small business and emerging entrepreneurship segments of the exhibiting, while contributing his writings in the Virgin Islands Daily News on socio-economic and St. Croix branding areas. He also arranged and presided over seminars and workshops at UVI on St. Croix Economic Future.
As the Founder and CEO of WMX Group (WEX on the Frankfurt Stock Exchange), Thomas Anthony Guerriero located his offices in Harvard Square in Cambridge, Massachusetts, across the street from where he attended graduate school at Harvard University. “The ethnic and intellectual diversity in Harvard Square is unmatched anywhere in the world. The excitement and support we have felt from the community has been remarkable.” Guerriero brings with him over 13 years of experience in the financial sector, where he led three organizations to increased profitability during his tenure as CEO, leading all three companies to be acquired at a premium. Thomas Anthony Guerriero was instrumental in the growth of the retail division of First Union, contributing to the successful merger between First Union (FTU: NYSE) and Wachovia (WB: NYSE), which was the big banking merger in US banking history. In former 2011 he became an owner of a professional basketball team, with the Springfield Armor in the NBA D League (The NJ Nets affiliate).
As the Founder and CEO of WMX Group (WEX on the Frankfurt Stock Exchange), Thomas Anthony Guerriero located his offices in Harvard Square in Cambridge, Massachusetts, across the street from where he attended graduate school at Harvard University. “The ethnic and intellectual diversity in Harvard Square is unmatched anywhere in the world. The excitement and support we have felt from the community has been remarkable.” Guerriero brings with him over 13 years of experience in the financial sector, where he led three organizations to increased profitability during his tenure as CEO, leading all three companies to be acquired at a premium. Thomas Anthony Guerriero was instrumental in the growth of the retail division of First Union, contributing to the successful merger between First Union (FTU: NYSE) and Wachovia (WB: NYSE), which was the largest banking merger in US banking history. In early 2011 he became an owner of a professional basketball team, with the Springfield Armor in the NBA D League (The NJ Nets affiliate).
WMX GROUP, INC. WMX Group, Inc. (WEX:GR) & Thomas Anthony Guerriero Looking To Redefine Global Trade
The World Mercantile Exchange – has created the safest and most secure proprietary trading platform for the buying and selling of real agricultural products across the globe, allowing members to achieve revenue growth through globalization without massive upfront investment.
WEX Sports, LLC– At WEX Sports, we have an ownership interest in several professional teams but we are not stopping there. With each day we move one step closer to our dream – becoming the majority owner of our teams from around the world. Whether NBA, NFL, MLB, FIFA, NRL, or any professional sports team we are constantly looking for unique opportunities to get involved at the ownership level.
The Harvard Think Tank, Inc. –WMX recently acquired The Harvard Think Tank, a firm located in Harvard Square, to provide funding to the most elite start up companies in the US. The goal with The Harvard Think Tank is to give people a platform where they can pitch their game-changing idea to those involved with the Think Tank, and if the team likes the pitch, they can provide financing, advice, and assistance in building the venture, like an incubator for new ventures. As a result, The Harvard Think Tank has become the Company’s venture capital arm.
For additional Information:
Email info(at)wmxgroup(dot)com or visit http://www.wmxgroup.com
About WMX Group, Inc.
WMX Group, Inc. is a conglomerate holding company which has a vested interest, overseas and manages several subsidiary companies from around the world. The company faces a very stimulating global environment and tremendous growth opportunities. WMX has in the past taken positions in both publicly quoted stocks, but more recently has turned to buying majority interest or whole companies. They now own an interest whether wholly or part, in a diverse range of companies giving them a broad diversification across a plethora of industries. WMX Group, Inc. is an ISO Certified Company who is a member of: The Agricultural & Applied Economics Association, Canadian Agricultural Economics Society, The International Association of Agricultural Economists, International Food and Agribusiness Management Association, Food Distribution Research Society, and The Cambridge Chamber of Commerce.
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