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Get Your Free Credit Scores from All 3 Bureaus

Use this handy credit score comparison chart that automatically displays the most popular and highest ranking free credit score offers on the net. (Low ranked offers don’t get displayed). These credit score trial offers are really awesome because in addition to seeing your credit files, you get to see your credit SCORES. That’s the number you usually don’t get to see when you apply for an annual credit report even if it includes free credit reports from all 3 bureaus. But that’s the “magic number” you really wanna see. It’s the number that lenders, banks, mortgage brokers, credit card companies, and pretty much anyone who’ll provide you with a loan or financial credit will use to approve (or deny) your loan request, and/or to set your loan interest rates.

Free Credit Score Comparison Chart
Name Ratings Credit Scores Received Credit Bureaus Monitored Trial Period Other Benefits

7-day Free Credit Scores from All Credit Bureaus. 3 Bureau Monitoring.

7-day Free Credit Scores and 3 Bureau Monitoring

Single Credit Score Experian
7-day Free Credit Score and 3 Bureau Monitoring

TransUnion Experian
7-day Free TransUnion Score and 3 bureau credit monitoring

source: freescorereportgov.com

Protect Personal Data: BenefitMall Partners with Fraud Monitoring and Identity Resolution Leader IDT911

Dallas (PRWEB) May 13, 2014

BenefitMall®, the leading provider of payroll, human resource products and services, and employee benefits, today announced a new partnership with IDT911™ (IDentity Theft 911®) the nation’s premier consultative provider of identity and data risk management, resolution and education services.

BenefitMall will extend optional identity theft protection to its 200,000 plus employers of small and mid-sized businesses that subscribe to its payroll and human resource services as an additional offering for their employees.

Fraud is a growing problem in the United States. The Federal Trade Commission reports that identity theft has been at the top of the list of consumer complaints for 14 consecutive years. In 2013 alone, total fraud costs were more than $ 1.6 billion dollars.

According to the Javelin Identity 2013 Fraud Survey Report, identity theft incidents increased with the number of victims in 2013 totaling 13.1 million. Additionally, the report notes that 1 in 4 data breach notification recipients became a victim of identity theft. Lastly, the report recognizes growth in non-card fraud, which nearly tripled in 2013, accounting for $ 5 billion in fraud. This fraud includes: compromised lines of credit, Internet accounts (e.g., eBay, Amazon) and online payment accounts such as PayPal.

“Identity theft is a major problem that’s only getting worse. We take pride in providing essential services, and fraud protection and support is now vital for every household. This additional package protects an employee’s entire household and ensures recovery if they are ever affected by fraud,” said Steve Cohen, BenefitMall senior vice president of payroll sales.

Plans include coverage for the employee’s entire household, access to trained fraud specialists, proactive consumer education, document replacement, state of the art fraud and credit monitoring, secure protection of private information, personalized help that cuts through red tape, and follow-up on cases to ensure fraud doesn’t happen again.

“Identity theft has become more intricate, leaving victims alone in trying to repair their reputation and identity,” said Matt Cullina, IDT911 CEO. “The increase in data exposures like the Target breach, puts consumers’ sensitive information at-risk every single day and sometimes for years. BenefitMall has taken an important step in setting the standard for employee benefits providers to offer a timely voluntary benefit to employers and their employees.”

“Providing relevant services to every person we work with is essential to our core philosophy as we continue to diversify our offerings to clients across the country. We strive to make every service meaningful and relevant. Fraud protection has become something no person should live without. IDT911 listens, advises, educates, and advocates providing the best fraud protection available. This level of complete coverage offers every BenefitMall member incredible peace of mind,” said Cohen.

To learn more about these services, contact BenefitMall at BenefitMall.com.

About BenefitMall

Headquartered in Dallas, BenefitMall works with a network of 20,000 Brokers and CPAs to deliver employee benefits and payroll services to more than 200,000 small and medium-sized businesses. By combining payroll and benefits, BenefitMall empowers Trusted Advisors to develop the best employee programs while maintaining compliance with government regulations and health care reform.

BenefitMall is the largest national General Agency. In 2012, the company merged with the second largest privately held payroll company, CompuPay, through equity financing led by Austin Ventures. The merger created an integrated company that is “all together, better.” BenefitMall operates HealthCareExchange.com, the leading online community for information regarding the Patient Portability and Protection Act. More information is available at http://www.benefitmall.com.

About IDT911™ (IDentity Theft 911®)

Founded in 2003, IDT911™ is the nation’s premier consultative provider of identity and data risk management, resolution and education services. The company serves 17.5 million households across the country and provides fraud solutions for a range of organizations, including Fortune 500 companies, the country’s largest insurance companies, employee benefit providers, banks and credit unions and membership organizations. A subsidiary of IDT911, IDT911 Consulting™ provides information security and data privacy services to help businesses avert or respond to a data loss incident. Together, the companies provide preventative and breach response services to more than 600,000 businesses in the United States, Canada and the United Kingdom. IDT911 is the recipient of several awards, including the Stevie Award for Sales and Customer Service and the Phoenix Business Journal Tech Titan award for innovation in breach and fraud-fighting services. The company is the organizer of the Privacy XChange Forum, an annual conference that brings together high profile privacy thought leaders. For more information, please visit http://www.idt911.com, http://www.idt911consulting.com.

credit rating agencies

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Guest lecture by Brad Walters, General Manager, Financial Analytics, Corporate Scorecard held at the Australian School of Business, UNSW.

7 Techniques To Boost Your Credit Rating This Thirty Days

7 How To Raise Your Credit Score This Thirty Days
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Contest errors. If no debt is confirmed, contact every included parties to clear up inaccuracies on your own credit file. Write a detailed page and can include promoting papers to prove your case. The Federal Trade Commission provides sources for …
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Credit Utilization Continues At Finest Values in 23 Quarters As U.S. Businesses Remain Cautiously Upbeat

Nyc, NY (PRWEB) November 21, 2014

Further great news for U.S. economy surfaced today while the Commercial Finance Association (CFA) circulated its Quarterly Asset-Based Lending (ABL) Index Q3 2014, showing US businesses used 43.4percent of the credit lines throughout the 3rd quarter, a growth from 43.1percent in Q2 2014, and up from 42.9% for the same one-fourth in 2013. The rise in Q2 2014 was an important enhance of two full portion points (5per cent) from the very first quarter and 0.7 percentage points (1.6per cent) from exact same period in 2013.

While credit line usage has consistently increased in the last four many years, businesses consistently use credit at levels below those who work in the years prior to the financial meltdown whenever utilization of lines of credit by U.S. organizations was generally speaking greater than 50per cent.

“Once again, CFA’s ABL Quarterly Index Report provides more proof our economic climate features switched the corner and U.S. businesses are ready to develop. Asset-based lenders tend to be well-positioned to produce the capital to fuel that development in the fourth quarter plus in 2015,” said Robert Trojan, Chief Executive Officer of this CFA. “Providing this unique report of business information is another exemplory instance of the worthiness the Commercial Finance Association delivers to its member as well as the monetary solutions companies in general,” continued Mr. Trojan.

CFA’s Quarterly Asset-Based Lending Index had been performed by R.S. Carmichael & Co., an independent general market trends firm. CFA has actually tracked asset-based lending task and published the Quarterly Asset-Based Lending Index since March 2008 to give insight on national commercial financing task.

A full copy of CFA’s Quarterly Asset-Based Lending Index can be obtained at http://bit.ly/1uXXoTK.

Launched in 1944, the Commercial Finance Association could be the international trade business representing the asset-based financing, factoring, trade and offer sequence finance companies, with nearly 300 user businesses through the entire U.S., Canada and around the globe. CFA provides training, networking opportunities and industry advocacy towards global commercial finance community.


Media contact:

Michael Arbini, Director of Advertising and Communications

Commercial Finance Association

marbini(at)cfa(dot)com, (646) 839-6086

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Are You Thinking of Disputing a Will?

When would a will be considered fraudulent?

One scenario is when the beneficiaries suspect there was some kind of manipulation or fraud by a third person. But who can contest a Will when there are suspicions of fraud? So what is the difference between fraudulent and just an unfair decision made by the testator?

Well, what does the Law say about the people who can get involved in disputing a Will? As a guide, disputing a Will (or contested probate as it is sometimes known) tends to be limited to two groups of people:

- those who are named in the Will

- those beneficiaries which may inherit if the Will was not correct.

Suppose that you decide to compose a Will and you leave varying amounts of money to your partner, sister, friends and a charity. Thinking it wise, you discuss your Will with your husband and tell him about the beneficiaries and the amounts left to them. Later your husband, who dislikes your brother intensely, claims he will divorce you unless you disinherit your brother. That is not what you want.

You worry that your husband might be just after more of your money. Mention this and your marriage becomes under strain! It begins to sour relations between you as you become increasingly suspicious of some of his comments. He starts to tease about your Will and make unkind comments about your brother, putting you under pressure. Distraught and bothered, in a rush, you rewrite your Will, giving more to your brother than your husband.

In the event of your death, your husband could contest the Will possibly claiming it was fraudulent with involvement from your brother. If the Will is sucessfully contested, you may well get more than you anticipated.

For those who can contest a Will because they are named in it, we can take the example of your best friend. She is not related to you, but you have left her a gift as part of your Will. She will have to oppotunity to contest it if she feels it was incorrect. The case could be there was a mistake in the writing – if, perhaps, she is to receive £5 instead of £500.

Solicitors act as a support when you are unhappy with the reading of a Will and will inform you when you have grounds to contest. However if you are thinking of disputing a will, make sure that any solicitor you appoint is a specialist in this complex area of law.

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Big Bank Approval Rates for Small Business Loans Drop, According to October 2014 Biz2Credit Small Business Lending Index

New York, NY (PRWEB) November 11, 2014

Small business loan approval rates at big banks dropped for the first time in seven months, according to the October 2014 Biz2Credit Small Business Lending Index, a monthly analysis of 1,000 loan applications on Biz2Credit.com. Small business loan approval rates at banks with $ 10 billion+ in assets dipped to 20.4% in October from 20.6% in September.

“Big banks have demonstrated their commitment to small business owners over the last year. However, institutional lenders are moving into the marketplace and attracting high quality borrowers,” said Biz2Credit CEO Rohit Arora, who oversaw the research. “Despite the small drop in approval percentages, big bank financing of small businesses is up nearly 20 percent in comparison to last November when the economy was reeling from the government shutdown. With improving economic conditions, entrepreneurs have shown willingness to invest in their firms more this year than in any other since the Great Recession of 2009-11.”

The percentage of loans granted by small banks slipped for the fifth consecutive month to 50.2% from 50.3% last month. Yet they still continue to approve more than half of the loan requests they receive.

“Some smaller banks are paying the price for being slow to accept online applications,” Arora said. “The increased competition from big banks and institutional lenders are hurting them because borrowers are going to these competitors instead of small banks.”

Meanwhile, institutional lenders granted 59.7% of the funding requests they received in October, a slight increase from 59.5% in September. Approval rates by institutional lenders have increased every month since Biz2Credit began monitoring this category of lenders in January 2014.

“Small business lending is becoming mainstream among institutional players, who are offering more long-term products. They look to be a long-term threat for banks in the small business lending space,” Arora explained. “Big banks long had the advantage of a vast distribution network, the branches, which are now fading away. Also, immigrants are not as impressed by the brand names of big banks. That’s an advantage they long held.”

“People are seeking to do capital investments and are looking for money and shopping around. You can easily shop online and get longer terms,” explained Arora, one of the nation’s leading experts in small business lending.

At the same time, approval rates at alternative lenders — merchant cash advance companies, factors, and other non-bank institutions — slipped for the ninth consecutive month to 62.1% in October, from 62.6% in September. Credit unions granted 43.5% of loan applications in October, a slight rise over the approval rate of 43.4% last month. However, a year-to-year comparison shows that lending approval rates at credit unions are down as they continue to be an afterthought by small business loan applicants.

To view the historic chart of the Biz2Credit Small Business Lending Index, visit http://www.biz2credit.com/small-business-lending-index/october-2014.

About the Biz2Credit Small Business Lending Index

Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other surveys, the results are based on primary data submitted by more than 1,000 small business owners who applied for funding on Biz2Credit’s online lending platform, which connects business borrowers and lenders.

About Biz2Credit

Founded in 2007, Biz2Credit has arranged more than $ 1.2 billion in small business funding throughout the U.S. and is widely recognized as the #1 online credit resource for startup loans, lines of credit, equipment loans, working capital and other funding options. Using the latest technology, Biz2Credit matches borrowers to financial institutions based on each company’s unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,300+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and join on Facebook at http://www.facebook.com/biz2credit.