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International Letters of Credit : Resolving Conflict of Law Disputes $171.6 No Synopsis Available |
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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 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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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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Great Feuds in Science: Ten of the Liveliest Disputes Ever $3.95 The dramatic stories of ten historic feuds: How they altered the course of discovery-and shaped the modern world Hall Hellman tells the lively stories of ten of the most outrageous and intriguing disputes from the seventeenth to the twentieth centuries. Bringing the cataclysmic clash of ideas and personalities to colorful life, Hellman explores both the science and the spirit of the times. Along the way, he reveals that scientific feuds are fueled not only by the purest of intellectual disagreements, but also by intransigence, ambition, jealousy, politics, faith, and the irresistible human urge to be right. Unusual insight into the development of science . . . I was excited by this book and enthusiastically recommend it to general as well as scientific audiences. -American Scientist Hellman has assembled a series of entertaining tales. . . . many fine examples of heady invective without parallel in our time. -Nature An entertaining and informative account of the unusual personalities and sometimes bitter rivalries of some of the world's greatest scientific minds. -Publishers Weekly A fascinating new book which details some of the most famous disputes of the ages.-Courier Mail Dry science history turns into entertaining reading without sacrificing historical accuracy. -The Christchurch Press Great Feuds in Science is wonderful history, as the reader learns how scientists had to fight with religious leaders and other scientists to get their work recognized, accepted, and even get the credit for it -Bookviews |
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The Credit Default Swap Basis (Hardcover) $116.61 An up-to-date resource on the intricacies of the credit default swap basisWhile credit default swaps and credit derivatives are of great concern to many in the field of finance, the Second Edition of The Credit Default Swap Basis does not directly focus on these issues. It is instead about an aspect of CDS behavior, the basis, which is of importance to all users of CDS products. An understanding of the basis is essential to anyone involved in the credit-risky debt capital markets, whether you`re an investor, trader, or broker.The credit default swap basis (the basis) defines the relationship between the cash and synthetic credit markets. Finance professionals need to understand the drivers of the basis in order to better undertake investment and value analysis, and for trading purposes. In this updated Second Edition, author Moorad Choudhry, a market practitioner who has published widely in the field of credit derivatives, explores this dynamic discipline and examines the structural changes in the CDS market, including new settlement mechanisms and contract standardization. Along the way, he describes how basis pricing has changed in the aftermath of the financial crisis and what that change means in regard to overall market and trading opportunities.The only book on basis issues of credit default swaps, it provides practitioners with vital information on valuation, credit risk assessment, and basis trading strategiesAddresses structural changes to the market, including the introduction of central clearing houses in the U.S. and Europe and standardization of contracts to reduce disputes about payout settlementsCovers the close relationship between the synthetic and cash markets in credit, which manifests itself in the credit default swap basisThe Credit Default Swap Basis, Second Edition offers invaluable market insights to all financial professionals seeking a deeper understanding of cr |
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Credit & Collections Kit for Dummies [With CDROM] $23.59 Making Everything Easier Credit & Collections Kit for Dummies Learn to: Build a better rapport with customers and improve cash flow Collect from late or slow-paying customers Work efficiently with scripts, templates, and spreadsheets on the CD Steven A. Harms Partner, Muller, Muller, Richmond, Harms & Myers Aaron Larson Attorney Your hands-on guide to efficient, effective collection methods Need to implement credit and collections policies that work? This authoritative, easy-to-follow guide gives you the strategies you need to convert your accounts into cash. From extending credit to proactively managing customers' payments to transitioning to collections, you'll get the tools to ensure your methods are both effective and legal. Establish good credit and billing practices -- develop sound policies, carefully extend credit, keep good customers happy, and spot trouble early on Transition from billing to collections -- increase pressure through written communications and phone calls when your customer turns into your debtor Step up collection efforts -- locate hard-to-find debtors and their assets, bring in outside professionals, and deal with insufficient funds checks Take a hard line with your debtor -- get the tools and information you need to move forward with litigation, with or without an attorney Know your legal rights -- see how to avoid being sued by your debtor and find specifics on state and local laws Bonus CD Includes More than 60 customizable forms, letters, and spreadsheets in Word and Excel formats to help your business run smoothly See the CD appendix for details and complete system requirements. Open the book and find: Practical advice from seasoned credit professionals Plain-English explanations of legal jargon Your rights and duties in collections A quick contract law reference Ways to overcome disputes (both real and phony) Strategies for avoiding common credit and collection problems Hints for writing a new credit application Tips for improving your cash flow Helpful online resources Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file. |
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What Every Credit Card Holder Needs to K $3.95 Protect yourself from the outrageous practices of credit card companies. Would it make you happy to know that the longer you delay in paying off your credit card balance the more money the companies make off of you? That companies aren't forced to reveal costs for cash advance fees, overlimit fees, or late fees on card applications? That invasion of privacy begins when stores "data mine" valuable information on your purchase record to lessly solicit you? Here, finally, is a book for card holders eager to fight back and protect their consumer rights. Informative, practical, and savvy, What Every Credit Card Holder Should Know exposes the often devious workings of the credit card industry and the profit makers behind it. Issuing hard-earned advice about lowering interest rates and annual fees, handling fraudulent charges and disputes, preventing identity theft, choosing the best card for personal needs, and the perils of the new "debit cards," What Every Credit Card Holder Should Know also shares secrets card companies never tell you about how you can save money. Filled with hilarious and terrifying real-world anecdotes, this is a refreshingly bold approach to credit cards and how to make them work for us, not the other way around. |
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Living On Credit $10.49 Living On Credit |
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Credit and Borrowing $35 Credit and Borrowing |
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Legal Principles in WTO Disputes $32 A guide to how the World Trade Organization interprets the rules and solutions to disputes between its Members. |
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Credit $12.46 No Synopsis Available |
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Law of the Sea, Environmental Law and Settlement of Disputes $553 Law of the Sea, Environmental Law and Settlement of Disputes |
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Credit Backpack $49.99 FMF Apparel Credit Backpack |
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Credit Card $10 Credit Card - Kali |
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Extra Credit $10 Extra Credit - Wiz Khalifa |
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Escalating Disputes $1.89 This book is in New - Excellent condition |
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Disputes and Settlements $86.81 This book is in Good Used condition |