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Kids With Credit Reports

May 16, 2012 by  
Filed under Blogs, Identity Theft

 By: Credit.com

Children with Credit HistoryChildren are not supposed to have a credit report in their name, but new studies have found that the number of those who do is growing considerably, which can pose major problems for affected kids.

People under the age of 18 who have a credit report in their name are almost certainly the victims of identity theft, and this is a large and growing problem nationwide, according to a report from the Columbus Dispatch. Some studies have found that large amounts of kids have been a0ffected by identity theft, in which the crooks open large amounts of credit in their name and steal tens of thousands of dollars or more, and leave their young victims to carry the blame.

Often, this type of crime is carried out when a thief gains access to a kid’s Social Security number, the report said. Sometimes this can happen as a result of data breaches at hospitals or schools, and other times, their relatives may steal their identity. These youngsters are usually targeted because they will have no credit history and, since parents wouldn’t normally even think to make sure their son or daughter has a credit report in their name, the crime is unlikely to be discovered for a long time.

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“These kids’ Social Security numbers are particularly valuable to thieves because they can go years without detection,” Bo Holland, chief executive of AllClearID, told the newspaper. “Because of privacy restrictions, the credit bureaus can’t share with parents what they find in their (child’s) files. So they don’t know who is using the Social number or what accounts were opened.”

The most common way a child who has been victimized by this type of crime discovers the problem is when they turn 18—sometimes even older—and apply for a line of credit, the report said. To their dismay, they may learn that they’re saddled with significant debts, such as those for auto loans, credit cards and sometimes even mortgages, that have gone long periods of time without payment.

One thing parents who are concerned about this type of crime can do is contact the credit reporting agencies and ask them to put a freeze on their kids’ credit until they turn 18 and are capable of obtaining some types of loans on their own.

Source: Credit.com (http://s.tt/1bMPx)

Credit Firm versus Other Credit Repair Services

April 13, 2012 by  
Filed under Blogs

by: .
Many Americans are still grinding through life with Bad Credit.  In fact, over 110 million Americans (50% of the population with credit files) have had their credit file negatively affected by the recent economic crisis according to Business Wire.  So how do you know which Credit Repair company to choose when looking for help in improving your credit report?

Going through life living with bad credit, many Americans struggle repaying high interest loans and making minimum monthly payments on their credit cards, barely covering their interest charges which can be as high as 29.99%.  Paying more money to rent then they would to own because they don’t qualify for a mortgage based on their credit history.

Good credit can save you thousands of dollars by allowing you to qualify for low interest rate mortgages, auto loans, credit cards, and more.  Unfortunately, most people choose to live with bad credit rather than be proactive and make a change to improve their credit.

Choose to be proactive and fix your bad credit, it’s time to get serious about credit repair.  CreditFirm.net has helped thousands of clients qualify for low interest rate mortgages, auto loans, credit cards, and more, by improving their credit scores.  Let CreditFirm.net guide you down the journey toward fixing your bad credit.  We’re not your typical credit repair service.  With 15 years of credit repair experience, we have helped thousands of clients increase credit scores and improve credit reports.  Results and customer satisfaction are of the utmost importance for us, that is why we are always eager to help and answer any questions which you may have.

CreditFirm.net will never ask you to pay for any credit repair services which we have yet to complete.  This is why we offer a FREE Credit Consultation with a qualified credit consultant who will:

Help you obtain your FREE credit report and go over it

  • Explain what is inside your credit report. (both positive and negative)

Explain what a credit score is and how it is calculated

  • Explaining the different types of credit scores and the metrics used in calculating them.

Create a Custom Action Plan

  • A guide for you to follow which will outline the necessary steps in order to improve your credit score.
  • Different Clients have different goals and no 2 situations are exactly alike.  This is why we treat every case on an individual level.  We are not a credit repair factory like many of our competitors, all of our work is custom.

One service level

  • Unlike our competitors, we don’t confuse you with different levels of service offering different credit repair techniques.  We have one service level, we utilize every tool we have and we only have one speed, FAST. We do everything we can, as fast as we can, to help you improve your credit and reach your goals.

Legal

  • We follow the Credit Repair Organization Act (CROA) to the tee.  We do not offer guarantees because the CROA prohibits such practices, but we do promise first-rate service, an attention to detail, and our dedication to improving your credit report and score.

 

We want you to be confident in your credit repair decision and let our results speak for themselves.  This is why our clients enroll in our credit repair service for distinctive monthly servicing periods and pay only for the credit repair services which have already been performed and delivered.

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Real Estate Rental Prices Rising

March 21, 2012 by  
Filed under Blogs, Real Estate

by: .
The following graph shows the LPS home price index measured against the CPI owner’s equivalent rent index. You can see the extreme separation during the madness of the bubble years.  We are now back to the stage we were at in 1995 – 1998 when rent was at a higher point than home prices.  This chart shows that we are much closer to the bottom of the housing market than the top.  Once home prices experience their final push downward they will provide an extremely attractive investment opportunity for those that have the ability to manage single family homes.  If your credit score is stopping you from buying a home, call 800-750-1416. Credit Firm.net has helped thousands of clients improve their credit and qualify for a mortgage.  Call us today and be one step closer to getting your home.

Home price index vs rent

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