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Securities Dispute Resolution in China $124.95 During an era of growing foreign investment in China's securities market, this comprehensive and detailed study identifies the nature and types of securities disputes in China and the various procedures, including alternative dispute resolution, used to address them. |
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Credit Score (United States) $78.07 A credit score in the United States is a number representing the creditworthiness of a person or the likelihood that person will pay his or her debts. It has shown to be very predictive of risk, made credit more widely available to consumers and lowered the cost of providing credit. A credit score is primarily based on a statistical analysis of a persons credit report information, typically from the three major American credit bureaus: Equifax, Experian, and TransUnion. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Using credit scores, lenders determine who qualifies for a loan, at what interest rate, and to what credit limits. The Fair Isaac Corporation, known as FICO, created the first credit scoring system in 1958, for American Investments, and the first credit scoring system for a bank credit card in 1970, for American Bank and Trust. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 98 Publication Date: 2010/07/01 Language: English Dimensions: 6.00 x 9.00 x 0.23 inches |
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Perfect Credit: 7 Steps to a Great Credit Rating $15.87 If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans, you pay sky-high interest rates when you do get approved, or you have to go (hat in hand) asking family or friends to co-sign for you or loan you money. The list of indignities you suffer with poor credit goes on and on. Lately, amid the ongoing credit crunch, even people with "good" credit histories and respectable credit scores are having a tough time. Banks have imposed new fees, raised interest rates, slashed credit lines and even closed accounts of customers with so-called "good" credit. Which is why, even if you have a fair-to-good credit rating, you need to learn how to achieve "perfect credit." Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing. Right now, roughly 220 million Americans have credit files maintained by the "Big Three" credit bureaus: Equifax, Experian, and TransUnion. Of those individuals, about 40 million Americans (roughly 1 out of 5), have very poor credit, or "deep subprime scores," according to Experian. Another 50 million adults in the U.S. have no credit files - either because they've never used traditional forms of credit, or because their credit files are "too thin" to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit - and how to sidestep numerous credit traps and pitfalls along the way. About the Author Lynnette Khalfani-Cox, The Money Coach, is a personal finance expert, television and radio personality and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette has appeared on such national TV programs as The Oprah Winfrey Show, Dr. Phil, The Tyra Banks Show, The Today Show and Good Morning America. Lynnette, an award-winning financial news journalist and former Wall Street Journal reporter for CNBC, has also been featured in top newspapers including the Washington Post, USA Today, and the New York Times, as well as magazines ranging from Ebony and Redbook to Black Enterprise and Smart Money. She can frequently be seen as a guest commentator on ABC, CNN, FOX Business Network and MSNBC. |
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Unclos and Ocean Dispute Settlement (Hardcover) $250.47 "The United Nations Convention on the Law of the Sea (UNCLOS) offers a legal framework for the sustainable development of the oceans and their natural resources. However, recently there have been calls to amend the Convention due to some ambiguous provisions which are unable to address a variety of contemporary maritime issues. This book evaluates the applicability and effectiveness of UNCLOS as a settlement mechanism for addressing ocean disputes. The book`s central focus is on the South China Sea (SCS)dispute, one of the most complex and challenging ocean-related conflicts in the world. The book examines the ways in which an emphasis on sovereignty, threats to maritime security and overlapping maritime claims caused by the newly established maritime regimes authorized by UNCLOS are all contributing factors to the SCS dispute. The book considers the internal coherence of the Law of the Sea Convention regime and its dispute settlement procedures. It looks at participation in the UNCLOS negotiations, maritime legislation, and the dispute settlement practice of relevant States party to the SCS dispute. The author goes on to explore the relationship between UNCLOS and the regimes and institutions in the SCS, particularly in regard to issues of maritime security, marine environment protection, joint development of oil and gas and general political interaction. The author proposes practical mechanisms to resolve the dispute whilst also offering a final judgement on the effectiveness of UNCLOS for settling disputes. UNCLOS and Ocean Dispute Settlement will be of particular interest to academics, students and policy makers of international, shipping and maritime law as well as being of interest to academics and students in the field of international relations"-- |
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Keeping Score on Credit Scores: An Overview of Credit Scores, Credit Reports $38.38 Original publisher: Washington: U.S. G.P.O., 2010. LC Number: KF27 .B5364 2010a OCLC Number: (OCoLC)656292490 Subject: Credit scoring systems -- United States. Excerpt: ...9 Employment background screening, I will just say this, there are a lot of sort of start-up companies that will do a background check on someone based on simply a name and a date of birth. That means there are times where I have seen someone like Deborah Adams apply for a job but lose the job because they found another Deborah Adams with a felony record. She never had a fel-ony. Someone else like Thomas Payne was another person that I saw. UTIERREZ Chairman G. The gentleman's time has expired. ENDRICKS Mr. H. Okay. Thank you. Chairman G. Thank you. UTIERREZ The prepared statement of Mr. Hendricks can be found on page 124 of the appendix. ] Chairman G. I want to mention that in the interest of UTIERREZ time, and as agreed by all parties, Mr. Pratt will testify on behalf of his association and the three credit bureaus, but they have all submitted written testimony and are here to answer questions. Mr. Pratt, you are recognized for 5 minutes. STATEMENT OF STUART K. PRATT, PRESIDENT AND CEO, CON-SUMER DATA INDUSTRY ASSOCIATION, ACCOMPANIED BY MYRA K. HART, PH.D., SENIOR VICE PRESIDENT, ANALYT-ICAL SERVICES, EQUIFAX INC.; CHET D. WIERMANSKI, GLOB-AL CHIEF SCIENTIST, ANALYTIC DECISION SERVICES, TRANSUNION LLC; STAN OLIAI, SENIOR VICE PRESIDENT, EXPERIAN DECISION ANALYTICS RATT Mr. P. Mr. Chairman, and members of the subcommittee, thank you very much for this opportunity to appear before you today. I would like to just focus on a few key issues in my oral re-marks, and let's start with the importance of preserving and ex-panding data for risk decisions. Our members ' databases preserve an invaluable history of how we manage our finances: 18,000 data sources update 3 billion data elements every month. This Congress, by enacting new laws, calling for creditors to do even more to assess a consume... |
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Land Dispute $149 Land Dispute |
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Credit Reports: Consumers' Ability to Dispute and Change Inaccurate Information $26.11 The BiblioGov Project is an effort to expand awareness of the public documents and records of the U.S. Government via print publications. In broadening the public understanding of government and its work, an enlightened democracy can grow and prosper. Ranging from historic Congressional Bills to the most recent Budget of the United States Government, the BiblioGov Project spans a wealth of government information. These works are now made available through an environmentally friendly, print-on-demand basis, using only what is necessary to meet the required demands of an interested public. We invite you to learn of the records of the U.S. Government, heightening the knowledge and debate that can lead from such publications. |
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Credit Cards and Fiscal Responsibility $3.95 Our new books address health and safety concerns for young adults in a comprehensive and informative context. Knowing that teens love to spend, spend, spend, many credit card companies lure unsuspecting shoppers into signing up for credit cards with outrageously high interest rates. This results in a high incidence of debt and bad credit among young adults. This book offers excellent advice on how to use credit cards wisely and how to develop fiscal responsibility. Discussed in detail are the different types of credit cards available, the importance of reading the fine print on the application form, and the importance of building a solid credit history. |
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Credit Repair Kit For Dummies (2nd Edition) $8.99 Need to clean up your credit? This up-to-date resource is packed with action plans for repairing a bad report, paying down debt, and repairing a bad credit report. You'll discover how to dispute inaccurate information, communicate with collectors and creditors, set financial goals, and build a good credit history. You'll also see how to avoid scams and take action if you're victimized. Discover how to: Obtain and maintain your credit report' Build new, strong credit; Handle annoying collection calls; Locate credit counseling; Manage your finances wisely. |
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The Dispute $11.78 Who is more unfaithful in love, men or women? This is the crux of Marivaux's lean story of love, desire, betrayal, and passion, a cautionary tale about the danger and intrigue of seduction. First performed by the American Repertory Theatre to critical acclaim, this translation by Gideon Lester is set on a contemporary battlefield of the sexes, with the performers going at one another with wit and passion. |
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Quantitative Credit Portfolio Management $110 An innovative approach to post-crash credit portfolio management Credit portfolio managers traditionally rely on fundamental research for decisions on issuer selection and sector rotation. Quantitative researchers tend to use more mathematical techniques for pricing models and to quantify credit risk and relative value. The information found here bridges these two approaches. In an intuitive and readable style, this book illustrates how quantitative techniques can help address specific questions facing today's credit managers and risk analysts. A targeted volume in the area of credit, this reliable resource contains some of the most recent and original research in this field, which addresses among other things important questions raised by the credit crisis of 2008-2009. Divided into two comprehensive parts, Quantitative Credit Portfolio Management offers essential insights into understanding the risks of corporate bonds—spread, liquidity, and Treasury yield curve risk—as well as managing corporate bond portfolios. Presents comprehensive coverage of everything from duration time spread and liquidity cost scores to capturing the credit spread premium Written by the number one ranked quantitative research group for four consecutive years by Institutional Investor Provides practical answers to difficult question, including: What diversification guidelines should you adopt to protect portfolios from issuer-specific risk? Are you well-advised to sell securities downgraded below investment grade? Credit portfolio management continues to evolve, but with this book as your guide, you can gain a solid understanding of how to manage complex portfolios under dynamic events. |
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Galileo's Instruments of Credit $22.5 In six short years, Galileo Galilei went from being a somewhat obscure mathematics professor running a student boarding house in Padua to a star in the court of Florence to the recipient of dangerous attention from the Inquisition for his support of Copernicanism. In that brief period, Galileo made a series of astronomical discoveries that reshaped the debate over the physical nature of the heavens: he deeply modified the practices and status of astronomy with the introduction of the telescope and pictorial evidence, proposed a radical reconfiguration of the relationship between theology and astronomy, and transformed himself from university mathematician into court philosopher. Galileo's Instruments of Credit proposes radical new interpretations of several key episodes of Galileo's career, including his early telescopic discoveries of 1610, the dispute over sunspots, and the conflict with the Holy Office over the relationship between Copernicanism and Scripture. Galileo's tactics during this time shifted as rapidly as his circumstances, argues Mario Biagioli, and the pace of these changes forced him to respond swiftly to the opportunities and risks posed by unforeseen inventions, further discoveries, and the interventions of his opponents. Focusing on the aspects of Galileo's scientific life that extend beyond the framework of court culture and patronage, Biagioli offers a revisionist account of the different systems of exchanges, communication, and credibility at work in various phases of Galileo's career. Galileo's Instruments of Credit will find grateful readers among scholars of science studies, historical epistemology, visual studies, Galilean science, and late Renaissance astronomy. |
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The Complete Credit Repair Kit [With CDROM] $5.84 Learn how to keep your creditors from harassing you, reduce your monthly payments and lower your debt. Find out how to get a copy of your credit report, understand what it really says and make it read more favorably for you. Stop worrying about identity theft by teaching yourself what to do to prevent it and how to react if it happens to you. This easy-to-use guide explains how to clean up your credit report, lessen your debt and cope with your financial woes. It teach you how to get back on track. -Consolidate Student Loans: Find hidden cost-savers through loan consolidations and other budgeting tips to help fit your needs. -Lessen Your Debt: Follow proven techniques to negotiate with creditors and dispute billing errors. -Creditor Tactics: Stop harassing phone calls and nasty letters from your creditors. You have rights that they cannot ignore. -Identity Theft: Learn how to prevent it from happening to you and what to do to immediately stop any damage it does. -Improve Your Credit Score: Discover the secrets of raising your credit score and taking control of your financial future. -Build Good Credit: Get on the road to financial freedom by changing behaviors and managing your resources more effectively. There is no magic wand, but you can fix your credit problems. The Complete Credit Repair Kit shows you how to do it quickly, correctly and stress free. |
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Alternative Dispute Resolutio... $159 Alternative Dispute Resolutio... |
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The LSTA's Complete Credit Agreement Guide $65.25 Loans between institutions continue to be issued and traded, and corporate lending remains a booming practice. At the core of these activities is the credit agreement--a complicated document that often acts as an obstacle even to the professionals and support personnel who work with it every day. From determining the terms of the agreement to managing defaults, assignments, and competitive bids, this comprehensive reference tool unlocks the heart and soul of the loan market for institutional investors and professionals in financial and corporate lending firms. Operations personnel who are responsible for executing and managing credit agreements will find it invaluable. "The LSTA's Complete Credit Agreement Guide" goes far beyond the fundamentals to provide: Unmatched coverage on the nuts and bolts of the credit agreement In-depth discussions that include all the nuances of today's global marketplace Insightful explanations that address how to manage situations that go off course With "The LSTA's Complete Credit Agreement Guide," all the answers are at your fingertips. Sponsored by the Loan Syndications and Trading Association (LSTA) and written by the partners at Milbank, Tweed, Hadley & McCloy, it provides a definitive road map to managing the entire credit agreement process. |
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Credit Repair Kit for Dummies (2nd Edition) (Value Price) $6.99 Need to clean up your credit? This up-to-date resource is packed with action plans for repairing a bad report, paying down debt, and repairing a bad credit report. You'll discover how to dispute inaccurate information, communicate with collectors and creditors, set financial goals, and build a good credit history. You'll also see how to avoid scams - and take action if you're victimized. Abridged on 3 compact discs. |
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Quantitative Credit Portfolio Management (Hardcover) $146.91 An innovative approach to post-crash credit portfolio managementCredit portfolio managers traditionally rely on fundamental research for decisions on issuer selection and sector rotation. Quantitative researchers tend to use more mathematical techniques for pricing models and to quantify credit risk and relative value. The information found here bridges these two approaches. In an intuitive and readable style, this book illustrates how quantitative techniques can help address specific questions facing today`s credit managers and risk analysts. A targeted volume in the area of credit, this reliable resource contains some of the most recent and original research in this field, which addresses among other things important questions raised by the credit crisis of 2008-2009. Divided into two comprehensive parts, Quantitative Credit Portfolio Management offers essential insights into understanding the risks of corporate bonds—spread, liquidity, and Treasury yield curve risk—as well as managing corporate bond portfolios.Presents comprehensive coverage of everything from duration time spread and liquidity cost scores to capturing the credit spread premiumWritten by the number one ranked quantitative research group for four consecutive years by Institutional InvestorProvides practical answers to difficult question, including: What diversification guidelines should you adopt to protect portfolios from issuer-specific risk? Are you well-advised to sell securities downgraded below investment grade?Credit portfolio management continues to evolve, but with this book as your guide, you can gain a solid understanding of how to manage complex portfolios under dynamic events. |
Myths About Credit Reports by Connor Sephton
The number of myths that surround credit reports online is astounding, and a lot of the time, the tall tales are from consumers who actually haven't taken the time to do some research into their financial history. Just like you have to conduct an MOT on your car, you need to be aware of your credit report in order to ensure that all of your financial affairs are in order.
This leads us nicely to our first myth, as many people believe that it is really difficult to obtain a copy of your credit report. This is certainly not the case, as companies such as Experian, CallCredit and Equifax, credit referencing agencies that compile data about you, are legally obliged to offer you a copy of your report for £2.00 under the Consumer Credit Act of 1974. Indeed, it's easy to get a free credit check too, as Experian have a 30-day trial where you can see your credit report without any expense.
The next myth is that any mistakes that you find on your report cannot be rectified. Through disputing any information that is inaccurate or irrelevant, you will be able to enhance your reputation in the eyes of the all-important lenders. A dispute can be raised with the credit referencing agency, and this is another reason why double-checking all of the data with a fine toothcomb is so important.
Myth number three is that there is no way to improve your credit rating for the better. Once more, this certainly isn't the case, as there are plenty of things you can do to boost your reputation. Something as insignificant as registering on the electoral roll can help your cause, as it gives the banks relevant data once referencing agencies refresh all of the information from the council every month.
The final myth we are going to address is that only missed payments on your mortgage can cause real damage to your credit rating. Even missing the cost of a £10 month mobile phone bill can have an unwanted impact on your credit score, and as lenders are more selective than ever over the people they transact with, you need to ensure you keep afloat of your finances.
Going on the websites of credit referencing agencies will allow you to get more information. However, the lesson to learn is this: don't believe everything you hear on the grapevine.
About the Author
Going online to get a free credit check has never been easier, allowing you to make yourself more attractive to prospective lenders.
TransUnion Credit Dispute - 3 Ways To Dispute Trans Union Credit Reports