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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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Credit & Collection Letters That Get Results $11.96 This book is in New - Excellent condition |
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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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Credit Risk $99.95 Illustrates how a risk management system can be implemented through an understanding of portfolio credit risks, a set of suitable models, and the derivation of reliable empirical results. This volume focuses on the application of products in the financial services industry and the market of credit derivatives. |
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Verification Results, Work Opportunity Tax Credit - #3 $9.95 Socrates offers a full range of Business forms to help you do more and save |
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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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Global Credit Management $140 In many companies credit management is a passive and reactive discipline. This results in significant receivables assets weighing heavily on balance sheets, dragging down cash flow and inhibiting growth. The power of credit is shackled, muted. Release the power and passion of credit management in your company. Proactively squeeze every morsel of value out of receivables and simultaneously, protect your company from the bad debt danger that lurks in the value chain. Harness the power of credit to effectively manage your company's receivables. Immediately make a positive difference in your company, and use this book as a resource for years to come. Reading Global Credit Management will help you wake the sleeping giant on your balance sheet make receivables earn their keep, just like every other asset. wrest control of credit from bureaucratic processes, grab it by the throat and wring out every drop of value. And last but by no means least, boost the value of your company. "...one of the most intelligent and refreshing exposés of the present and future role of international credit management that I have read in a long time. Global Credit Management represents a very welcome and innovative addition to the small library of quality publications available on international credit and risk management." —Tim Lane, Director of European Operations, Finance, Credit and International Business (FCIB) |
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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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On Credit Scoring Estimation $103.56 Credit scoring methods became a standard tool of banks and other financial institutions, direct marketing retailers and advertising companies to estimate whether an applicant for credit/goods will pay back his liabilities. In this book we give a short overview of credit scoring and its quantitative methods. We investigate the usage of some of these methods and their performance on a real data set taken from a French bank. Our results indicate that the methods used, namely the logistic regression, multilayer perceptron (MLP) and radial basis function (RBF) neural networks give very similar results, however, the traditional logit model seems to outperform the other techniques. We also describe RBF architecture and a simple RBF program that we implemented in the statistical computing environment XploRe. Author: Komord, Karel Binding Type: Paperback Number of Pages: 84 Publication Date: 2009/04/01 Language: English Dimensions: 9.00 x 6.00 x 0.20 inches |
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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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Global Credit Management: An Executive Summary $99.92 In many companies credit management is a passive and reactive discipline. This results in significant receivables assets weighing heavily on balance sheets, dragging down cash flow and inhibiting growth. The power of credit is shackled, muted. Release the power and passion of credit management in your company. Proactively squeeze every morsel of value out of receivables and simultaneously, protect your company from the bad debt danger that lurks in the value chain. Harness the power of credit to effectively manage your company's receivables. Immediately make a positive difference in your company, and use this book as a resource for years to come. Reading "Global Credit Management" will help you wake the sleeping giant on your balance sheet make receivables earn their keep, just like every other asset. wrest control of credit from bureaucratic processes, grab it by the throat and wring out every drop of value. And last but by no means least, boost the value of your company. ..".one of the most intelligent and refreshing exposes of the present and future role of international credit management that I have read in a long time. Global Credit Management represents a very welcome and innovative addition to the small library of quality publications available on international credit and risk management." --Tim Lane, Director of European Operations, Finance, Credit and International Business (FCIB) |
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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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How to Repair Your Credit Report $19.93 Low credit score could be costing you thousands of dollars each year. I know you've been wondering how you could change all that by increasing your credit score. Wonder no more This is the most comprehensive and highly accelerated credit score system - ever This is a no-nonsense, step by step, practical manual on how to repair your credit report and increase your credit score. Your time will not be wasted on long speeches like other books do. It shows you exactly what letters to write and tells you exactly what reply you'll receive. This priceless book will show you: 1. How to write professional letters that get your credit report corrected instantly. Sample letters you can mail for instant results. 2. How to write aggressive letters to collection agencies that command their respect and force them to cooperate with you and obey the law. 3. How to use sophisticated strategies to write letters that get the attention of the credit bureaus and make them to increase your credit score immediately. 4. How to negotiate aggressively with businesses and collection agencies for pennies on a dollar, and much, much more... |
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Alternative Dispute Resolutio... $159 Alternative Dispute Resolutio... |
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Results Are In $10 Results Are In - Voicemail feat. Ding Dong |