October « 2011 « compare credit report – transunion experian equifax

October 14, 2011

CardRatings.com Ranks Best and Worst States for Consumer Credit: Why It Matters

Filed under: Compare Credit Report — Tags: Best, CardRatings.com, Consumer, credit, Matters, Ranks, States, Worst — admin @ 1:09 am

CardRatings.com Ranks Best and Worst States for Consumer Credit: Why It Matters

Foster City, CA (PRWEB) July 20, 2011

The housing bust and sustained economic slowdown have blemished the financial prospects of many Americans, but the damage hasn’t hit all states evenly. CardRatings.com releases its rankings of best and worst states for credit, which reveals the current condition of credit in each state’s population. Entrepreneurs, business owners and individuals are all affected by the overall state of credit in their locales and can incorporate the results of this ranking when making location decisions.

To determine state rankings, CardRatings.com analyzed indicators directly related to individual credit usage and repayment behavior (average credit score, credit card delinquency rates and home foreclosure rates) as well as broad economic health indicators such as unemployment and personal bankruptcy rates.

The 10 best states for credit may be of interest to job seekers, entrepreneurs and business owners. The states on the “best” list have high average credit scores and low unemployment, foreclosure, bankruptcy and credit card delinquency rates.

According to this CardRatings.com analysis, the 10 best states for credit are:

1. North Dakota
2. Vermont
3. South Dakota
4. Nebraska
5. Montana
6. Wyoming
7. Iowa
8. Pennsylvania
9. Alaska
10. Minnesota

In contrast, job seekers, entrepreneurs and business owners may find that the 10 worst states for credit are economically challenging places to live and work. Some factors that land states on the 10 worst states for credit list, such as high foreclosure rates, may indicate opportunities or even investment bargains over a long time horizon. However, placement among the 10 worst states for credit is a signal of bleak economic prospects.

The 10 worst states for credit, with the top spot being the worst state for credit, are:

1. Nevada
2. Georgia
3. California
4. Florida
5. Arizona
6. Alabama
7. Tennessee
8. Michigan
9. Mississippi
10. Idaho

Though credit availability is determined by individual financial situation and not geographic location, these rankings are meant to show areas of relatively stronger or weaker credit environments.

Commentary on these states and access to the full 50-state ranking can be found at CardRatings.com’s article, “10 best states for credit.”

About CardRatings.com
CardRatings.com is the leading comprehensive free source for comparing credit card offers and has been educating consumers on credit cards since 1998. The site regularly reports on consumer credit and debt issues and offers both editor and consumer credit card reviews, from balance shift cards to student credit cards, gas ascribed cards and more. The site allows consumers to compare and identify the credit cards trump suited to their necessitated, get the best rates available and effectively lower their debt. CardRatings.com is owned and operated by QuinStreet, Inc. (NASDAQ: QNST), one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with the information they need to research, find and select the products, services and brands that best meet their needs. The company is a leader in ethical marketing practices. For more information, please visit QuinStreet.com.

Press Contact:
Andrew Heilman
775-784-3842
pr(at)cardratings(dot)com

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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October 12, 2011

Global Logistics Provider Brings International Trade Compliance Via Desktop

Filed under: Trans Union — Tags: Brings, Compliance, Desktop, Global, International, Logistics, Provider, Trade — admin @ 2:11 am

Global Logistics Provider Brings International Trade Compliance Via Desktop

Latham, NY (Vocus/PRWEB) March 24, 2011

Trans-Border Global Freight Systems Inc, a Latham, NY based global logistics firm, is now offering international trade compliance training through the hosting of a series of webinars.

As companies continue to look for ways to cut costs and manage time constraints while still keeping up with transportation compliance training, Trans-Border decided to offer webinar services on up-to-date industry specific topics that cater to these challenges. Creating industry awareness is a key part of Trans-Border’s business model and webinars provide another dynamic edge to its consultancy and training side of the business.

Trans-Border broadcast its first webinar back on December 10, 2010, educating clients on a new European Union Customs Regulation. That initial offering attracted 175 attendees and Allison Burak, who was one of the co-hosts, said that clients not only found it very informative, but the duration of the presentation, which is typically between 20 and 30 minutes, was ideal considering the clients time constraints. “The feedback was fantastic”, states Allison. “And to have 175 people attend on our very first webinar was beyond our expectations”. Since then, Trans-Border has hosted three more webinars, with attendance numbers steadily growing. The company anticipates between 10 and 15 more webinars for 2011 on a variety of industry specific topics such as “Import Processes And Procedures and “Export Compliance And Management Programs”.

One of the more attractive features of these logistics webinars is that they are free. Unlike some other logistics providers that can charge up to $ 150.00 for attending, there is no cost to clients for joining a Trans-Border hosted webinar. “Trans-Border remains committed to offering educational, value added services at no cost” says Joshua Spiegel, Executive Vice-President and Partner at Trans-Border GFS.

While the concept of webinars has been around for years, the number of logistics providers that can offer such professional and intuitive webinar services, at no cost, is extremely rare. Given the feedback and Trans-Border’s global reputation, it is no wonder that clients are logging on to take advantage of this new Trans-Border service.

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©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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October 8, 2011

Why is experian telling me to dispute with the debt collector after mailing in a dispute letter?

Filed under: Experian — Tags: after, collector, Debt, dispute, Experian, letter, mailing, telling — admin @ 4:14 am

Question by fderrico: Why is experian telling me to dispute with the debt collector after mailing in a dispute letter?
I filed an online dispute with experian it came back verified. So now it won’t let me dispute it online any more unlike transuion so I submitted a dispute letter and the reply was experian recommends contact the debt collector? What is this am I not able to ever ask them to verify the debt again because it came supported verified once?

Best answer:

Answer by bud68
Experian is the crappiest of the three bureaus and has a reputation for this. Their idea of “verifying” a debt is to ask the creditor if what they submitted was correct and take the creditor’s “yes” at face value. They don’t require the creditor to actually produce any verification documentation.

What do you think? Answer below!

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October 6, 2011

When a collections report comes off my credit will my Trans Union match my other scores?

Filed under: Trans Union — Tags: collections, comes, credit, match, report, scores, trans, union — admin @ 5:08 am

Question by Cb1818c: When a collections report comes off my credit will my Trans Union match my other scores?
Ok, I have an account that went to collections only 60 bucks an old roommate was late paying didn’t know till I went to get an apartment, anyway come June 2010 it’s coming off will my Trans Union go up and match my other 2 scores? my other scores are 41 points higher.

Best answer:

Answer by Credit Trauma
Have you matched up all three reports and found that this particular collection account is the only 1 that is different from the other two? If that’s the case, then yes, more than likely once it drops off, your score will go up around the same as the others.Not all creditors report to all three credit bureaus. Once a year you’re entitled to a free credit report from each of the major credit reporting agencies at www.AnnualCreditReport.com. Your tally do not come for free, but you can purchase them at the same time for around $ 7-$ 10. You can check out what is on each report and put through any disputes on-line while you’re there as well.You may find that you have other open accounted or even closed ones with balances that are still reporting to one or two, but not all three bureaus. This accounts for the variation in scores. Typically lenders who draw a “tri-merge”, which is all three bureaus in one report, take your mid score for lending purposes.

Give your answer to this question below!

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October 4, 2011

Hispanic Community Hit Hardest by Recession — Consolidated Credit Counseling Services, Inc. Reaches Out

Filed under: Compare Credit Report — Tags: Community, Consolidated, Counseling, credit, Hardest, Hispanic, Inc., Reaches, Recession, Services — admin @ 6:09 am

Hispanic Community Hit Hardest by Recession — Consolidated Credit Counseling Services, Inc. Reaches Out

Fort Lauderdale, FL (PRWEB) August 01, 2011

The Hispanic community has been hit hardest by the economic recession, according to a new study conducted by the Pew Foundation. Results showed that Hispanic families experienced the largest decline in wealth compared to any other ethnic groups in the country. It is estimated that one million Hispanic callers have sought professional financial advice from Consolidated Credit’s certified counselors in the wake of this recession.

The economic study, which used information from the Census Bureau, showed that the median wealth of Hispanic households fell by 66 percent from 2005 to 2009. Black households suffered a 53% drop in net worth over the same period. By contrast, whites saw a decline of 16% in household wealth. The median level of home equity held by Hispanic homeowners was cut in half – from $ 99,983 to $ 49,145 – and homeownership rate among Hispanics declined from 51 percent to 47 percent. These figures show the largest wealth difference in the 25 years that the bureau has been collecting data, according to the report.

Large populations of Hispanics live in California, Florida, Nevada and Arizona, which are some of the states experiencing the steepest declines in housing values. Consolidated Credit, located in Ft. Lauderdale, FL has helped numerous families; both locally and nationally, change their spending habits to adjust to the recession setbacks.

“The economy fluctuates in ways beyond our control,” said Howard Dvorkin, CPA and founder of Consolidated Credit. “The best way to stay on top of everything is to gain knowledge of your financial situation and adjust your expenses accordingly. Take advantage of free credit reports and create a budget to develop a money management plan.”

Over 60 percent of Consolidated Credit’s financial counselors are bi-lingual, speaking both English and Spanish. These counselors provide one-on-one advice and guidance as to the best solution to an individual’s situation. Consolidated Credit has reached out to the Hispanic community by addressing financial problems at different events and group meetings, as well as on radio and television.

Consolidated Credit also has a dedicated spanish credit counseling website to for the Hispanic community, where users can get access to a Learning Center and Budget Analysis tool. Several free educational booklets have also been translated into Spanish. Titles include “Make the Most of Your Credit Score,” “Credit Cards: What You Need to Know” and “Understanding Your Credit Card Statement.”

Consolidated Credit urges the Hispanic community and other people impacted by the recession to contact an evidenced fiscal counselor and get complimentary expert advice on their specific situation. Counselors are developed in debt management, credit counselling, housing reding, credit card debt and other personal finances.

About Consolidated Credit Counseling Services, Inc.
Consolidated Credit Counseling Services, founded in 1993, is one of the nation’s largest credit counseling organizations in the country. Consolidated Credit’s mission is to assist families throughout the United States in ending financial crisis, and solving money management problems through education and professional counseling. As a nationally recognized organization, Consolidated Credit has helped millions households annually with their personal finances. For free and affordable confidential advice call 1-800-728-3632 or visit http://www.ConsolidatedCredit.org.

Stay Connected With Consolidated Credit:
Visit us on the Web at http://www.ConsoldiatedCredit.org
Become a fan of Consolidated Credit on Facebook
Follow Consolidated Credit on Twitter
Add Consolidated Credit on YouTube

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October 2, 2011

TALX to Announce Details of New Service Offerings at the 2011 HR Technology Conference & Expo

Filed under: Equifax — Tags: 2011, Announce, Conference, Details, Expo, Offerings, Service, TALX, Technology — admin @ 7:09 am

TALX to Announce Details of New Service Offerings at the 2011 HR Technology Conference & Expo

St. Louis, MO (PRWEB) September 21, 2011

WHO:
TALX, provider of Equifax Workforce Solutions and a leader in human resource, payroll and tax-related services

WHAT:
Will announce details of new service offerings during the 14th Annual HR Technology Conference & Expo. Subject matter experts will also be on hand to provide foremost-hand human resources industry expertise and hiring, pay reporting and compliance solution demonstrations.

WHEN:
The conference will take place Monday, Oct. 3 through Wednesday, Oct. 5, 2011.

WHERE:
The 14th Annual HR Technology Conference & Expo
Mandalay Bay
Las Vegas, Nev.

TALX will exhibit in Booth No. 839.

DETAILS:
Employers face growing challenges when working to track and understand often-changing regulatory landscapes, best practices and responsibilities. From helping onboard quality talent to effectively managing tax burdens and unemployment costs, TALX offers a full suite of web-based Hiring, Compliance and Pay Reporting services to help simplify processes, ensure compliance and manage costs.

During the upcoming HR Technology Conference & Expo, TALX is scheduled to announce details regarding new service offerings. The soon-to-be-announced TALX services will help employers mitigate risk and streamline paper-based processes, allowing them to refocus resources for more strategic work demands.

Human resources professionals are encouraged to visit Booth No. 839 to learn more about these new offerings. There, TALX subject matter experts will also be available to demonstrate how its automated services streamline HR, tax and payroll-related processes to reduce costs and improve overall efficiency. TALX web-based self-service solutions help more than 9,000 employers assess candidates and onboard new employees, electronically manage both I-9 and W-2 forms and requirements, leverage tax credits and incentives, better control unemployment costs, securely manage employment verifications and migrate to a completely paperless pay process.

The Annual HR Technology Conference & Expo attracts over two thousand human resources practitioners from across the globe each year. This year’s event promises to be larger than ever, and will focus on talent management, social & mobile technology, and workforce analytics and planning. Registration and additional information for this year’s conference can be accessed at http://www.hrtechnologyconference.com/.

About TALX
TALX, provider of Equifax Workforce Solutions, a leader in human resource, tax and payroll-related services, is based in St. Louis. TALX holds a leadership position in automated employment and income verification as well as unemployment cost management. TALX provides over 9,000 clients, including three-fourths of Fortune 500 companies, with Web-based services focused in three employment-related areas: hiring, pay reporting and compliance. Hiring services include talent assessments, onboarding, and tax crediting and incentives. Pay reporting services comprise, paperless pay and W-2 management. Compliance services include employment and income verifications through The Work Number, unemployment cost management and I-9 management. Equifax is a global leader in information solutions, empowering businesses and consumers with information they can trust. Equifax is a member of Standard & Poor’s (S&P) 500® Index. Its common stock is traded on the New York Stock Exchange under the symbol EFX. For more information about TALX, visit http://www.talx.com, or http://www.equifax.com.

About Equifax
Equifax is a global leader in consumer and commercial information solutions, providing businesses of all sizes and consumers with information they can trust. We organize and assimilate data on more than 500 million consumers and 81 million businesses worldwide, and use advanced analytics and proprietary technology to create and deliver customized insights that enrich both the performance of businesses and the lives of consumers.
Headquartered in Atlanta, Equifax operates and has investments in 17 countries and is a member of Standard & Poor’s (S&P) 500® Index. Its common shopworn is traded on the New York Stock Exchange under the symbol EFX. For more information, please see http://www.equifax.com.

This press release was dealt through PR Web by Human Resources Marketer (HR Marketer: http://www.HRmarketer.com) on behalf of the company listed above.

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