jean chatzky truepat.com explains that you get a free credit report but not a free credit score. Free credit report without credit card
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The San Diego bankruptcy lawyers at the law firm of the Golden State Law Group, which is a team of professionals dedicated to providing help for consumers and businesses who are experiencing financial difficulty, hereby announce that the firm is offering free initial consultations to consumers who may have recently over-extended themselves with debt on the heels of new efforts by lenders to extend credit to consumers with damaged credit ratings.

Specifically, the credit reporting agency Equifax recently published statistics that revealed that in December of 2011 alone, lenders opened credit card accounts to more than 1.1 million American consumers who had damaged credit. This 1.1 million new credit card accounts statistic represents an increase of 12.3 percent when compared to December of the previous year.

In addition, the credit reporting agency known as Experian reported that during the fourth quarter of 2011, approximately 23 percent of all new automobile loans that were opened and executed in the United States were provided for borrowers who had damaged credit. This percentage represents an increase of 17 percent when compared to the fourth quarter of 2009.

The San Diego bankruptcy attorneys at the Golden State Law Group advise consumers to use extreme caution when opening new credit accounts if their credit rating is damaged. Credit scores can change rapidly and people who have problems with meeting their obligations could soon face the stress that comes with collection efforts.

Consumers who are already experiencing these types of problems because of new credit accounts that they have opened are further advised that the San Diego bankruptcy attorneys at the Golden State Law Group will provide them with a free initial consultation. The purpose of this free initial consultation is to conduct a thorough review of the consumers overall financial picture so that appropriate recommendations can be made towards bringing about an end to that persons financial difficulties.

About the Golden State Law Group

The Golden State Law Group is a law tautened in San Diego, California thats comprised of a team of attorneys who provide legal help to consumers. Specifically, the attorneys at the firm provide help to consumers in the legal areas of consumer bankruptcy, tax debt issues and personal injury cases.

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Visit: www.winston-williamspublications.com – This might be a bit surprising but although everyone knows what a loan is, but very few have accurate and correct information about how to get one. In today’s economic conditions, it is very hard to get enough money to pay off for the things that we need and hence the solution for this lies in one word: loan. Loans can be taken for purchasing a home or a car and there are various kinds of loans for different purposes like marriage, education, medical bills and so on. The first step of getting a loan is to approach a bank, and according to your credit history and your financial status the banker can choose to reject or accept your loan application. The banker also considers your reason for taking out the loan and whether you have the capability of repaying it or not. Your income needs to be able to support the EMI or Equated Monthly Installments otherwise your application for a loan would be rejected. Now that you know how to get a loan, the next thing that you should plan before actually taking the big step of acquiring one is the time period of such loan. You can choose for a period of minimum six months or maximum three years, depending on your needs for funds. Also remember that certain documents are mandatory in order to get a loan. You are going to need to provide the banker with proof of your residence as well as age proof. Now we all make mistakes at some point or the other in our life and likewise if you’ve made …
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It is gauged that over 9 million populated are currently imprisoned worldwide. It is believed that this number is likely to be much higher, in view of general under-reporting and a lack of data from various countries. In absolute terms, the United States currently has the largest inmate population in the world, with more than 2 1/2 million people locked up in prison and jails, while both Russia and China put together have a prison population under 2 million.. Although the United States represents less than 5% of the world’s population, over 25% of the people incarcerated around the world are housed in the American prison system. The federal government foretold one in eleven men will be incarcerated in his lifetime, one in four if he is black”. I always thought that 9/11 conspiracy theories were ridiculous so I never took the time to flushed investigate it myself, until I accidentally stumbled across a documentary on the collapse of building 7, which in return opened up my eyes to things that I thought could be true. After 9/11 Osama Bin Laden denied assigned for the attack, but said he supported it completely. The US Government was quick to leave the blame on his shoulders all the same. Was entering Afghanistan just the first part of a bigger plan? The war on terror! Who is the United States actually at war with? Terror? How can you be at war with a word or a feeling? It is known that Saddam Hussein had completely wiped away Al Qaeda and The Taliban through out Iraq, and that …

According to a recent Morgan Stanley Housing Market Insights report, the U.S. is turning from a homeownership society into a rentership society. And as the number of renters increases, so too, does the number of real estate investors who are purchasing rental properties. However, not all real estate investors will see positive returns in their real estate investments.

Some investors may say their real estate investments failed because their propertys location was bad or their tenants didnt pay their rent on time. But, according to James McClelland, CEO and president of MACK Companies, the nations premier provider of single-family, AAA+ investment properties, the No. 1 reason why people fail at real estate investing is property management.

There is a misconception that people fail in their real estate investments because they didnt buy the right property or it wasnt in the right location, said McClelland. Of course, those factors come into play. However, when it comes right down to it, the inability to analyze ones property and manage it correctly is what precipitates failure.

Brick and mortar never make mistakes, continued McClelland. What did that home sitting on its lot ever do wrong? Nothing. The property failed because of the person who was managing it, or better yet, mismanaging it.

As the largest owner of single-family investment properties in the Midwest, MACK Companies is well-versed in property management. The firm currently manages approximately 570 single-family rentals, of which it owns 370 of those properties. It manages the other200single-family homes for real estate investors who purchased the homes through MACK Companies

For many considering real estate investments, property management is an afterthought. Or, they think hey, Im convenient, I can fix a leaky faucet and then assume their responsibility and interaction with a tenant will be minimal, said McClelland. But to be a successful real estate investor, property management has to be a priority. Without great property management you wont have great tenants. And great tenants are the key to a successful very estate investment.

How to Properly Screen Rental Tenants
According to McClelland, one of the first missteps people make with their real estate investments is not properly screening their tenants. A detailed screening should include:

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More Free Credit Press Releases

I want to explore the one of the most important action you can take to increase your credit scores: removing inaccurate negative information from your three credit reports.

Be warned: should you decide to tackle this process yourself, it can be time consuming and frustrating.

What the Credit Reporting Agencies are Legally Required to do on Your Behalf when You Ask

The credit reporting agencies are required by federal law to remove inaccurate information from your credit reports free of charge. However, nowhere in the law does it say they have to make it easy for you.

Because the credit reporting agencies can’t charge you to remove inaccurate information from your credit reports, they make you jump through hoops…climb over walls…and inconvenience you in any way possible to accomplish this.

And just try calling them and getting through their phone menus. Sheesh!

How to Increase Your Credit Scores by Removing Inaccurate Information from Your Credit Reports

The concept is quite simple…you want to make sure there is no inaccurate, outdated, misleading, incomplete, or unverifiable information on your credit reports…especially if it’s negative.

Any negative inaccurate information that appears on your credit reports can have a dramatic impact on your credit scores.

And by dramatic, I mean bad.

<bMy recent experience talking with one of the credit reporting agencies…

I had a recent experience that once again proved how difficult it is to try to work with the credit reporting agencies.

I took time to review my credit reports a few months ago. With yellow highlighter in hand, I highlighted numerous inaccuracies on each of my three credit reports.

I hadn’t tried to speak with the credit reporting agencies directly over the telephone for years. But I was feeling adventurous…I thought I’d give them the benefit of the doubt, so I performed a little experiment to see if their customer service had changed in the last 13 years.

I mean, how bad could it be?

It should go something like this: you call each credit reporting agency…they promptly answer the phone…you talk to a real person…your issues get resolved quickly…you hang up in a few minutes…and everyone moves onto something else.

Right?

Wrong!

Not today.

Maybe on The Brady Bunch…but in the real world of mandated free credit reports…it’s just the opposite.

What I found was the entire experience was even more frustrating and stressful than I remembered. I almost needed to ask my doctor about anxiety pills.

It’s Obvious that the Credit Reporting Agencies do not want to Talk with You Over the Telephone

One credit reporting agency even forces you to go online. Talking to a person is not an option!

What about all the people who don’t have internet access or aren’t computer savvy? I guess the protection of the Fair Credit Reporting Act doesn’t apply to them.

You see, each credit reporting agency buries their telephone numbers deep into their websites. So deep it took me forever to uncover their contact information (and I consider myself to be pretty internet savvy).

And if that wasn’t enough, one credit reporting agency forced me to purchase my credit reports directly through them if I wanted their telephone number to dispute inaccurate information.

Here I am calling the credit reporting agency to dispute items on my credit report, and I can’t talk to anyone unless I know the secret code.

I already had my free credit reports.

I already purchased my credit reports-just not from them.

I even had my credit reports from my mortgage lender from a recent mortgage closing.

But the three sets of credit reports I already had weren’t enough!

In order to talk to someone at one particular credit reporting agency, I needed a certain ID code from my reports. None of the codes on any of the credit reports I already had worked.

So I bit the bullet and purchased my credit reports AGAIN…this time directly from the credit reporting agency.

And the ID still didn’t work!

I was about to call my doctor for the anxiety pills. I’m not kidding!

How they get away with this is beyond me. No wonder they frequently get in trouble with the Federal Trade Commission (FTC) for not abiding by the Fair Credit Reporting Act (FCRA).

It just became too frustrating and time consuming for me to fight with the credit reporting agencies to do something that is supposed to be my right under the FCRA.

I had enough.

I did exactly what they wanted me to do…I gave up…surrendered…waived the white flag…cried, “Uncle.”

Hey, I have books to write; seminars to conduct; planes to catch; employees to manage; etc. Life is too short to waste my free time jumping through hoops to appease the credit reporting agencies.

So I hired a lawyer.

But I didn’t hire just any lawyer.

Why a law firm is the best solution to helping you remove inaccurate negative information from your credit reports

I chose a law firm that specialized in this specific area of law.

After all, if you needed an eye operation-would you go to a foot doctor? Or when you filed bankruptcy-did you hire a divorce attorney? I hope not. Lawyers have specialties.

Don’t use your bankruptcy attorney to help you with errors on your credit reports. Lots of people assume that since the bankruptcy attorney helped with the bankruptcy, the attorney would know all about the credit reporting agencies. This is rarely the case.

Bankruptcy attorneys are good at helping you file bankruptcy, but pretty much useless in helping you remove inaccurate negative information from your credit reports.

So I did lots of research on how to find the best law firm to help me.

Here were my expectations for a law firm:

1. They had to live and breathe the Fair Credit Reporting Act. The FCRA basically tells us our rights regarding our credit reports. If you have a few hours to spare, you can go here to read it.

2. I wanted former employees of the credit reporting agencies on their board of directors, within their company rank and file, or at least as consultants. Having an insider’s perspective on how the credit reporting agencies work was essential for success and is what separates the real thing from the scumbag credit repair clinics that advertise on telephone poles.

3. They had to abide by the legal guidelines Congress created for this type of service. These guidelines are known as the Credit Repair Organizations Act (CROA).

4. I wanted to make sure they had many years in business with a clean record with the Federal Trade Commission.

A pretty tall order-I know.

But considering the FTC makes a regular sweep of credit repair clinics and shuts down the crappy ones…finding the right law firm was easier than I thought it would be.

Is the term “credit repair” naughty or nice?

Law firms that specialize in helping you remove inaccuracies from your credit reports are often grouped in with other credit repair services that are not law firms. But there are major differences between the two.

You see, the companies that give this service a bad name are the credit repair clinics with no real experience in the credit reporting industry. Maybe the people who started these clinics got lucky getting inaccurate information removed from their own credit reports and decided to make a business out of it?

So I began researching.

I read boring stuff like court opinions, court settlements, case law, depositions…you name it-I read it.

It became very clear who I should steer away from…anyone advertising they were in the “credit repair” business and didn’t follow the Credit Repair Organizations Act (CROA).

Incidentally, I also became an expert in understanding CROA. Mainly because the way CROA is written-any person giving credit advice (like yours truly) could easily fall under CROA if they aren’t careful.

And if you violate CROA, very bad things can happen. So I try to be very careful with everything I write. After all, I don’t want to wind up with a new roommate named Bubba.

In early 2003, I was given a sneak-peek of a new credit-related product co-created by a very large company (that shall remain nameless because I still like them very much) and was co-branded with a semi-famous, yet irritating “know it all” blonde from CNBC.

I smelled trouble.

So I kept my mouth shut and didn’t bring it up…because, as you know, I don’t like pointing fingers and upsetting the apple cart.

Yeah right! Are you kidding?!

I told them exactly what I thought…

“This product, although very nice, will violate CROA and will land you in a class-action lawsuit.”

They ignored my advice.

I’m not kidding. I looked their vice president in the eyes and flat out told him what would happen as if I had a crystal ball in my hand.

Just recently, that company began wrestling with a class-action lawsuit concerning the very same product. (The vice president and most of his management team are now gone.) As a matter of fact, right now all three national credit reporting agencies are fighting similar class-action lawsuits. The plaintiff’s consider each of them credit repair organizations, which in-and-of itself isn’t illegal…it’s just illegal if you violate CROA.

One of the biggest myths surrounding credit repair is that people think
it’s illegal. Nope, it’s not illegal. If done properly…and if they
follow the federal guidelines…then it’s as legal as voting at 18 or
driving a car at 16.

You just have to follow the rules. And the rules are clearly spelled out in CROA. Many companies will try to sell you credit repair services-but few are on the up-and-up.

I’ve found only a couple law firms that consistently play by the rules

After years of research I have been able to find only a couple law firms that consistently play by the rules. I know this because they aren’t being investigated by the FTC and don’t have attorney generals lining up to sue them.

Surprised that credit repair is 100% legal?

I bet you are.

The credit reporting agencies work very hard to convince you that ALL of these companies are scams and they can’t do anything more than you can do on your own.

That’s so untrue. There are legitimate companies that provide this service.

It’s no different than hiring a tax pro to prepare your taxes for you…or a lawyer to represent you in court if you are sued…or anything else that you can afford to pay someone else to do for you so you can keep yourself focused on your unique ability.

Sure, you can do those things yourself for free. But is it really free if you get audited or lose the lawsuit?

Bottom line: As long as the company follows the rules set forth in CROA…the credit restoration service they provide to you is ethical, legal, responsible, valuable, and time saving.

So again, credit restoration is not illegal. It’s only illegal if the company that is offering the service is not following the guidelines that Congress has set up.

Of course, the credit reporting agencies will try to make you think differently. They do a good job convincing the public, lenders, their business partners, and many others that all credit repair organizations are illegal. It’s almost as if they’re trying to brainwash you.

Law firms vs. Credit Repair Clinics

While the credit repair clinics are all about scamming you with no regard to what’s right or wrong…a legitimate law firm abides by CROA.

So what I’m basically saying is that you can fiddle around and try to remove inaccurate information from your credit reports yourself…or you can hire someone to do this for you so you can do more enjoyable things with your free time.

Personally, I decided to hire a law firm out of the pure frustration of trying to do it myself-and I know this stuff like the back of my hand!

If you really want to get right down to it…the credit reporting agencies forced me to hire a law firm.

The only reason the legitimate companies exist is because most of the credit reporting agencies make it impossible to easily talk to someone over the telephone to dispute incorrect information on your credit
reports.

If the credit reporting agencies made it easy to correct errors on your reports, then law firms wouldn’t have to deal with representing people who have been run through the credit reporting agency ringer.

In summary, the credit reporting agencies consider you guilty until you can prove yourself innocent. Be sure you do everything in your power to remove any inaccurate negative information from your credit reports. It will serve you well and help you increase your credit scores.

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