Invitation to connect on LinkedIn

2008-10-22T14:21:00.001-07:00

Credit,

I'd like to add you to my professional network on LinkedIn.

- Monty

Learn more:
https://www.linkedin.com/e/isd/386853051/1b-nO2Ud/

What is LinkedIn and why should you join?

RE: JV opportunity Dollarmakers Website

2008-10-02T16:44:00.001-07:00

Monty Loree - President
HomeGrown Advertising Inc (1994)
http://www.canadian-money-advisor.ca
PH: 306-949-5423

Date: Fri, 3 Oct 2008 17:33:14 -0500
From: andrew@windfallmarkets.com
To: davidleeco@gmail.com; montyloree@hotmail.com
Subject: JV opportunity Dollarmakers Website

297-9815 David Lee Andrejowich
306-949-5423 Monty Loree
windfalljv.com

WINDFALL MARKETS ... The Incredible Power of Joint Venture Leverage
Andrew PeTrick, MBA Managing Director, Windfall Markets Joint Ventures & Strategic Alliances andrew@windfallmarkets.com Professional Profile	work: 204-480-6606
See who we know in common	Want a signature like this?

Upgrade to Hotmail Plus and share more photos with bigger attachments. Click here to find out how Click here to find out how

A friend wants to Share Favorites with you

2007-11-08T18:42:00.001-08:00

StumbleUpon

Discover new web sites

Capital One Secured Credit Cards in Canada
Canadian Secured Credit Cards
Secured Credit Cards for Canada
Canadian Capital One Secured Credit Card

Monty wants to Share his Favorites with you

He likes 17 pages, 13 videos
He has 1 fan

Come see why The Wall Street Journal says:

"Next time you want to wander the Web, forget about Googling it. Stumble it."

– Monty
montyloree@hotmail.com

Try StumbleUpon >

About StumbleUpon
StumbleUpon allows you to channel surf the internet and discover great websites and web content you might never have found. Whether it's a website, video, picture, game, blog, or wiki, StumbleUpon helps you find interesting stuff recommended by like-minded people with just a single click of the Stumble! button. Learn More

If you do not wish to receive future e-mail invitations to join StumbleUpon, please click here.

FW: Your August TrueCredit newsletter

2006-08-04T10:27:00.000-07:00

Just thought I would post TransUnions Canada new credit report newsletter.

When you apply for credit, factors like your income... expenses...
debt...and credit history are used to determine your creditworthiness.
Thanks to the Equal Credit Opportunity Act, there are certain things that
creditors are not allowed to ask you when you apply.
They cannot ask you to reveal your sex, race, marital status, natural origin
or religion. And creditors cannot deny you credit because you receive public
assistance income, or because of your age (unless you're under 18).
If you feel like you've been discriminated against, notify the creditor
right away. They may see their error and reverse the decision. For more
information on your rights and actions you can take, visit www.ftc.gov or
call 1-877-FTC-HELP.

How to stamp out bad credit card offers
If you're like me, your mailbox is usually stuffed with things like bills...
postcards selling some turbo-charged Internetservice...maybe a few
magazines...and, of course, credit card offers.
It's the credit card offers that get you. They're pretty tempting, aren't
they? Whether it's being pre-approved for $10,000, or the promise of earning
free airline tickets, there's always something that lures us in.
While you might get a few good offers every now and then, most should be
sent right to the shredder. The trick is, knowing which ones should stay�and
which ones should go.
Be choosy
Keep one thing in mind: if you have a couple of credit cards you're happy
with, try not to apply for more cards. Each time you apply, it shows up on
your credit report. And that can make you look credit hungry. It may also
lower your credit score.
When you do decide you need a new credit card�or you are applying for your
first one�ask yourself: what kind of card do you want? You can get one with
reward points. Or miles. Or even a card that helps you save. With so many
cards out there, you don't have to jump at the first offer you get in the
mail. Shop around.
Learn the lingo
You've probably noticed that credit card offers come with what looks like a
lot of legal mumbo jumbo. But these are the terms and conditions of the
credit card, and they explain what fees and finance charges you could pay
when you use the card.
Every card has different terms and conditions. To shop for the best deal,
you need to know what the main terms mean. Here are some to look out for:
Annual Percentage Rate (APR)�This is the yearly percentage rate charged when
a balance is held on a credit card. This rate is applied each month that you
carry a balance (the lower APR, the better).
Annual Fee�Yearly fee associated with having the credit card. Unless you are
getting rewards or miles, or something extra, you may want to look for a
card without an annual fee.
Grace Period�A period of time during which you are allowed to pay your
credit card bill without being charged a finance and/or late fee. This
period is usually 10-28 days.
Introductory Rate (or Intro APR)�A temporary, lower annual percentage rate
that is raised later. Make sure you know what the rate will go up to after
the intro period is over.
Other fees�Also check for the amount of the late payment and cash advance
fees.
Why wait? Activate
Once you receive your new card in the mail, activate it right away. Then put
it in your wallet or in a safe place. Otherwise, you may set the card down,
forget about it, and it could end up in the wrong hands.
As you use your card, keep an eye on your bill and the charges listed. Also,
you should get
your 3-Bureau Credit Report on a regular basis to make sure no one else is
using your account. That way, you stay in charge of your credit card.

Dear Audrey,
Is it true that if you use a credit card and pay it off each month, it never
gets on your credit history? And therefore won't help you build credit?
Thanks.
Lois W.
Crown Point, Ind.

Dear Lois,
While many people believe you have to have a balance in order to build their
credit, this notion is completely untrue.
Paying off a credit card balance each month is one of the best ways to build
your credit because it shows creditors you can handle your credit
responsibly. Plus, it will look great on your credit report when you're
being reviewed for a larger loan, like a mortgage.
By checking your credit report often, you can make sure your timely payments
are reflected in your balances. You can also look for errors that could
potentially damage your credit score, such as accounts that do not belong to
you.
At TrueCredit.com, it's easy to not only check your credit report, but also
get helpful tips for keeping your credit in good standing.
Until next month,

Audrey O'Dell Newsletter Editor
Read more here

Your credit horoscope
Leo & Virgo:
If you want something good to happen, picture it taking place. Visualizing
your financial success will get things rolling.
ABOUT THIS NEWSLETTER: Volume 6 - Issue 8
Every so often, TrueCredit enjoys sharing special offers with you, such as
discounts on TrueCredit products
as well as offers from our partners. TrueCredit is dedicated to educating
and empowering our members through
tools and resources such as this free monthly newsletter. You are receiving
this email newsletter because you
expressed interest in our special offers when you placed your order or
signed up for our newsletter online. If
you received this email from a friend, you can subscribe to our free monthly
newsletter and special offers at
www.truecredit.com/newsletter.
ABOUT TRUECREDIT
TrueCredit's family of financial learning tools has empowered millions of
Americans to better manage their
borrowing. With a commitment to providing exceptional information, support
and security, TrueCredit has
established itself as a leader in the field of corporate and consumer
financial products. To learn more about
TrueCredit, please visit www.truecredit.com.
PLEASE NOTE
TrueCredit features TransUnion data for all complimentary credit scores as
well as fraud-watch emails.
TrueCredit reserves the right to publish or use any responses, questions or
comments emailed to this address for
promotional or other purposes without any further permission, notice or
payment of any kind to the sender. All such
submissions will be the property of TrueCredit.
The information contained in this newsletter is for educational purposes
only. You should consult your own attorney
or seek specific advice from a professional regarding your particular
situation.
To change your email address, please login to your account, and click on the
"your account" tab in the upper
right corner.
� 2006 TrueCredit. All rights reserved.
100 Cross Street, Suite 202
San Luis Obispo, CA 93401

If I file for Bankruptcy will my student loans get discharged?

2006-07-17T18:34:00.000-07:00

If I file for Bankruptcy will my student loans get discharged?
Tim
Bankruptcy Home
Dallas, tx

So are student loans able to be discharged? In short, probably not. Student loan debts are non-dischargeable in Chapter 7 Bankruptcy cases unless paying the debt would cause the debtor "undue hardship." This basic rule also applies to Chapter 13 Bankruptcy cases.

Discharge of student loans received popularity in the 1970's. Many individuals would file for bankruptcy shortly after completing their expensive education. The goal was to discharge these student loans before they began earning money

The wording of the exception of a "hardship discharge" and what is considered a student loan has recently been broadened so that most student loans made by nonprofit groups or the government are now considered student loans. This only applies to the actual student and not a co-signor. So a parent signing for one of their children could not have this debt discharged. In addition, this exception does not include debts to an educational institution for tuition. If the loan is non-dischargeable then the petition on the loan is also not going to be discharged.

So we turn to "undue hardship." Most published court opinions agree that "undue hardship" means more than garden variety hardships that come with the costs of future payments. Several circuit courts of appeals have developed a three-prong test.

In summation, the debtor cannot maintain a minimal standard of living and his dependents are left with the debt, some additional circumstances in regard to the standard of living would extend over the life of the repayment of the loan, and the debtor has tried to the best of their ability to pay off the loan according to the plan.

The ideal debtor who will successfully discharge student loans are the low-income debtors. The debtor has the burden of proving their hardships. Any reason that makes this loan impossible for the debtor should be made known to your attorney. For example, unemployable debtors, underprivileged debtors, a total lack of available jobs suited for the debtor's skills, certain disabilities, etc. If any of these situations exist, your attorney will strive to prove any extenuating circumstances to the court to get these student loans discharged.Read more about bankruptcy at www.bankruptcyhome.com />
Original content from bankruptcyhome.com

Credit Repair - What is Credit Repair?

2006-07-11T09:07:00.000-07:00

WHAT IS CREDIT REPAIR?
Even though we have a few websites that deal with credit repair and dealing with creditors etc, I still get the question, "What is Credit Repair?". Many times people aren't sure what the concept of credit repair is all about.

CREDIT REPAIR IS RELEVANT TO EVERY ONE WITH CREDIT
Fundamentally, credit repair is about making sure that all of your credit items reported to Equifax and TransUnion (credit bureaus) are accurate, complete and verifiable.

If you've got credit cards, lines of credit, or any other type of personal credit, chances are that these items are being reported to the credit bureau, or will be if you don't make your payments.

THE LAW - ACCURATE, COMPLETE AND VERIFIABLE.
The law states that all items reported on your credit reports must be accurate, complete and verifiable. All items that are being reported about your must be true and correct. This is reasonable.

This is such a serious topic that there are laws dedicated to the regulation of credit bureaus such as Equifax and TransUnion.

MOST CREDIT REPORTS AREN'T ACCURATE
While most credit items are reported routinely and correctly to the credit bureaus, some definitely aren't. This is true for people who have good credit and bad credit. I have met very few people who have a credit report that is 100% accurate, complete and verifiable.

The reality is that credit bureaus are managers of information. They receive millions of credit items from creditors, collection agencies, government departments, etc to manage each month.

Problems usually occur when credit items are handled by many employees.

I've seen people with good credit, denied more credit because their name was spelled wrong, or because their address was spelled incorrectly etc. I've also seen collection items, judgements, repossessions, bankruptcies that are recorded incorrectly. THIS HAPPENS ALOT!

The first step in credit repair is knowing about credit report problems. In order to know about problems with your credit report you need to get copies of your credit reports from BOTH Equifax and TransUnion

The second is to learn about what is being reported and which creditors are reporting on your credit reports. Equifax and TransUnion are similar, however they do report a little differently.

Once you have studied your credit reports thoroughly you'll probably pick up on some errors that have occured.

HOW DO I START DOING CREDIT REPAIR?
If you've determined that some items on your credit reports are NOT accurate, complete or verifiable, it's time to start disputing these items. Keep in mind, you've got the law on your side. The credit bureaus are regulated and must answer your disputes.

For a guide to DIY Credit Repair for Canadians, please visit www.express-credit-repair.com. This easy to read 40 page ebook will explain the laws and how you can dispute credit items with credit bureaus, creditors, collection agencies and more. Check it out today!
READ MORE

RE: Facts Versus Fiction post

2006-05-25T19:15:00.000-07:00

Comments like the following really bother me:

The right to collect the debt ..belongs to the creditor as does there right to hire an agency to do so.

Agencies do not have to have your authorization to report a third party collection. As members of a reporting agency, we have the right to do so. I suggest you become more familiar with the Collection Agencies Act which explicitly states what we can and cannot do.

You've just gotta love it when a brain washed collection agent gets on a forum such as this and starts talking out of his hat. I ask everyone who has now talked to consumer protection about a collection agency pipe up and answer this kind of post.

This makes me furious.

There is NO LAW that says anybody has to deal with a collection agency. Thus, the only way you have to deal with a collection agency is by contractual agreement.

The same goes for a collection agent giving your personal information to a credit bureau such as Equifax Canada or TransUnion Canada. There are laws saying that collection agencies need your permission to give out your information to any third party.

SEE PIPEDA - Federal Privacy Commission

Companies have to get your permission to collect and report your personal information. If they don't have that permission in writing, you can, and should, complain about them.

This collection agent doesn't really understand the law very well.

There is no law saying that a collection agent must give your personal information to Equifax or TransUnion. Thus it must be by written / contractual consent.

Credit Repair in Canada

2006-05-14T11:59:00.000-07:00

Express Credit Repair website is finally back and listed in google's index.

I am recently revamped this site and added my new credit repair ebook for Canadians. This is a unique credit repair ebook as there aren't many written in Canada.

If you're wondering about your credit, or have never seen your Canadian credit report, this is a great ebook to have a look at. It explains credit repair, credit bureaus, collection agencies and how to protect yourself, from a Canadian Perspective.

FW: Your April TrueCredit Newsletter

2006-04-12T08:14:00.000-07:00

A letter that I received from TransUnion Canada
Read more at Canadian Money
Advisor
____________________________________________________
Hello, valued member!

Now more than ever, we make a conscious effort to protect our privacy. But
how tightly can we close the curtains on our credit? This month, we'll peer
into the mystery of credit inquiries.
Interested in an audio adaptation of Credit Care Monthly?

Why being "pre-approved" isn't all it's cracked up to be

Congratulations! You've been pre-approved! You probably get credit card
mailings with this message. Eventhough "pre-approved" may sound good, don't
fall for it.

Be cautious about replying to credit card offers in the mail. The number of
times you respond could negatively affect your credit score. This is because
your response may result in a hard inquiry.

Your credit horoscope

Aries and Taurus:

Your inquisitive nature will lead you to uncover the truth about who has
been checking your credit. The answer may surprise you!

True Stories

Bob knows credit.
"I recommend TrueCredit to use as a partner. And I always like to refer to
it as a partner in improving, not repairing, but improving your credit score
and getting your credit report healthy again."

Click here to watch Bob's �TrueStory� Credit inquiries: When does your
private information go public?

All of us have certain things we don't want others to
see. For me, it's my eighth grade yearbook picture...the video of my karaoke
debut...all the junk under my bed...and the personal information in my
credit report.

While we can keep most of our private stuff private, your credit report is
the one thing some outside parties have permission to access.

When someone requests a copy of your credit report, it's called a credit
inquiry. But exactly who can look at your credit report? And, how do these
inquiries affect your credit score?

Here's looking at you, kid
To keep any Joe Schmo from getting their hands on your report, the Federal
Fair Credit Reporting Act (FCRA) restricts access to your credit
information. Generally, only businesses and parties with "permissible
purpose" can view your credit report. Examples of permissible purpose
include accessing a credit report for a credit application, the underwriting
of insurance, in connection with determining eligibility for a license or
government benefit, or for a business transaction initiated by a consumer.

In other words, anyone with a legitimate business need can gain access to
your credit history. This includes creditors, lenders, insurers, and
landlords who need to review your credit as a part of an application
process. Employers and potential employers can also request your report, but
only with your permission. Anyone who obtains a copy of your report under
false pretenses can be fined substantially and jailed for up to two years.

Of course, you have every right to know who is looking at your credit
report. There's a section on your credit report that lists everyone who
accessed your report in the last two years.

Once you know who is looking at your report, you may start wondering how
these inquiries affect your credit score.

Hard vs. soft inquires: what's the difference?
There are two types of inquiries: hard and soft. When you apply for a
mortgage, car loan or other credit, a lender is authorized to request your
credit report. This is a hard inquiry, and this type of inquiry can impact
your credit score.

When businesses do a credit check to offer you pre-approved offers of credit
or insurance it is a soft inquiry, which does not affect your score. Soft
inquiries may also be generated under other circumstances, such as when a
utility company or a company you already have an account with looks at your
report. Requesting your own report from a company like TrueCredit is also a
soft inquiry.

Let's get back to hard inquiries. These play a part in your credit score
because you initiate the inquiry. If there's a long list of applications for
credit cards on your report, you may look credit hungry in the eyes of
lenders. This could make you a higher risk, so your credit score may drop.

The story is a little different when it comes to secured loans. Looking for
a mortgage or car loan may cause several lenders to request your credit
report, even though you're only after one loan. Because of this, multiple
auto or mortgage inquiries in a two to three week period may count as just
one inquiry depending upon the creditor�and could have little impact on your
credit score.

Do you know who should look at your credit report the most? You. By ordering
your 3-in-1 Credit Report a few times a year, you can make sure it's
accurate. And remember, any time you request your report from a company like
TrueCredit it's a soft inquiry, so your score is not affected.
If you're still in a quandary when it comes to credit inquiries, visit the
Credit Learning Center.

Dear Audrey,

Over the past few months, we have discovered that various accounts have been
opened in my mother's name. Only after an account that she currently has
(and has had for approximately 14 years) raised her interest rate did we
find this out.

Approximately, one year ago my mother relocated to another state and it
seems that quite a few of these accounts were opened after her move.

Peggy T.
Milwaukee, Wis.

Dear Peggy,

Two things could have happened: Your mother may be the victim of identity
theft, or there is simply a mix up with someone with the same name.

The first thing she'll need to do is get the facts. She should get her
3-in-1 Credit Report and go through it with a fine-toothed comb. If she
finds inaccurate or fraudulent information on her credit report, she should
start by contacting her creditors to see if they can correct the error. If
the creditor does not resolve the inaccuracy, or if the account is
fraudulent, your mother can then contact the credit bureaus that have
reported the data. If the data is inaccurate she can file a formal dispute
to have it removed; or, if she deems that it is a case of identity theft,
she can request a fraud alert to be added to her credit reports.

If the accounts are fraudulent, she should also ask her creditors for
cancellations on any fraudulent activity. Your mother can also visit the
Federal Trade Commission online to file a complaint and an identity theft
affidavit. This will not only help your mother as she resolves fraudulent
accounts with creditors, but it will also help the government track identity
theft trends.

Lastly, she should sign up for a credit monitoring service. That way, if
anything changes on her credit report, your mother will be notified
immediately.

Until next month,

Audrey O'Dell Newsletter Editor
Read more here

ABOUT THIS NEWSLETTER: Volume 6 - Issue 4
Every so often, TrueCredit enjoys sharing special offers with you, such as
discounts on TrueCredit products
as well as offers from our partners. TrueCredit is dedicated to educating
and empowering our members through
tools and resources such as this free monthly newsletter. You are receiving
this email newsletter because you
expressed interest in our special offers when you placed your order or
signed up for our newsletter online. If
you received this email from a friend, you can subscribe to our free monthly
newsletter and special offers at
www.truecredit.com/newsletter.

ABOUT TRUECREDIT
TrueCredit's family of financial learning tools has empowered millions of
Americans to better manage their
borrowing. With a commitment to providing exceptional information, support
and security, TrueCredit has
established itself as a leader in the field of corporate and consumer
financial products. To learn more about
TrueCredit, please visit www.truecredit.com.

PLEASE NOTE
TrueCredit features TransUnion data for all complimentary credit scores as
well as fraud-watch emails.

TrueCredit reserves the right to publish or use any responses, questions or
comments emailed to this address for
promotional or other purposes without any further permission, notice or
payment of any kind to the sender. All such
submissions will be the property of TrueCredit.

The information contained in this newsletter is for educational purposes
only. You should consult your own attorney
or seek specific advice from a professional regarding your particular
situation.
� 2006 TrueCredit. All rights reserved.
100 Cross Street, Suite 202
San Luis Obispo, CA 93401

Credit Repair Ebook Canada - information

2006-02-14T10:15:00.000-08:00

I'm just announcing that I've rewritten the site for credit repair ebook

I've updated the DIY-Credit Repair Ebook for Canadians this week so that the information is current. It's the only current credit repair ebook for Canadians that I know of.

This ebook is 42 pages and has some good examples of letters that you can write to credit bureaus, creditors, collection agencies etc in Canada.

Check it out today.

Lists lists lists - what an ugly site

2006-01-13T10:36:00.000-08:00

what the crap is that... that is the ugliest site i've ever seen.

Looks like it was a 11 year old who made that site.

ugly lists site

Stop by to say hello. New HomeBased internet business course.

2006-01-05T12:46:00.000-08:00

Wow.. it's been a while since I posted here.

I had to switch gears in mid September as google threw my sites into oblivion.

I spent the last 4 months relearning how to program and how to market affiliate products etc.

I'm starting off with a mini course to help people start and work their home based internet business / with information leaning towards how to market your business.

Anyway.... Check it out if you're interested.. I thought I would post the pages here.

starting home based internet business course

Credit Repair in Canada

2005-09-13T06:10:00.000-07:00

WHY YOU NEED CREDIT REPAIR

Credit reporting agencies (CRAs) in the U.S. and Canada such as Equifax, TransUnion and Experian have a great deal of control over the consumer by what they report.

Improve your credit scores. Improving your credit scores saves you money on interest rates, finance charges and more.

Potential Employers, landlords, insurance companies look at your credit report to check out your credibility.

You have been declined credit from a mortgage company, bank, auto dealership, credit card company, or any other lending institution.

You don't want to pay thousands of dollars extra in interest fees because of bad credit.

You just want to make sure that your credit information is complete and accurate with the credit reporting agencies.

URGENT NOTICE: You need to check your credit report today, as there may be problems on your credit reports caused by creditors, collection agencies and credit bureaus. These problems are REAL and are not caused by you.

Equifax and TransUnion Report on 25 million Canadians (approx) who have credit.
Let's say, for example, that each credit report has 20 items listed on each credit report.
That's 500 million pieces of credit information that the credit reporting agencies MUST keep accurate, complete and verifiable BY LAW.

QUANTITY OF CREDIT REPORT LISTINGS
Credit Reports	25,000,000
Listings on reports	20
Total Listings	500,000,000
Listings change monthly x 12	60,000,000,000 (60 billion)
While most of the items listed on a person's credit report are correct, there are those that are not. And it is not the fault of the consumer. Even if there were one problem out of 10 credit reports, that would be 2.5 million people with credit report problems. We feel that the problem is much worse than that. We've never seen a completely accurate credit report ever. Even if you have good credit!

OUR MISSION STATEMENT
We help our clients demand that Equifax, TransUnion and anyone listed on your credit reports comply with both Federal and Provincial legislation to keep each credit item reported on each credit report accurate, complete and verifiable.

CREDIBLE, CONFIDENTIAL AND PROFESSIONAL SERVICE
Express Credit Repair is a professional credit advocacy which helps you get results from the credit bureaus, creditors, collection agencies, government agencies and anyone else who is listed on your credit reports. We practice credit repair in Canada. Our expertise in credit restoration helps to give you control with the credit bureaus that is almost impossible to get on your own.

We are familiar with all of the provinces' legislation regarding the credit reporting agencies. We work with the provincial governments and Federal Government on a daily basis to make sure that the credit bureaus are in full compliance of the credit reporting agency legislation and Federal PIPEDA legislation regarding your credit reports.

Express Credit Repair is a member of the Better Business Bureau and the Chamber of Commerce.

READ THIS BEFORE EVEN THINKING ABOUT DECLARING BANKRUPTCY

Hidden secrets about bankruptcy that will save you alot of grief!

BENEFITS OF OUR SERVICE
With our service you could save thousands of dollars in legal fees and months of frustration in trying to figure out how to get results with credit bureaus.

We will obtain your credit reports from TransUnion and Equifax as required*. Any item of information on your report that contains inaccurate, incomplete information is marked, and then it will be removed. Slow pays, collections, bankruptcies, consumer proposals can be disputed. For unverifiable inquiries made from financial institutions from previous credit requests, inaccurate names and address are removed. It takes an average of 60 days after we commence our work to start to see results with your credit reports.

We will work with you for one full year from the date we commence working for you to keep your files clear of any other inaccurate or incomplete records that might show up on your credit report. ALL credit bureaus will be kept clean and accurate.

THE FINAL RESULT OF OUR WORK is that all of the derogatory items on your credit reports will either be deleted, corrected, or proven accurate and correct.

CLICK HERE for a more detailed description of our member services

PEOPLE WITH GOOD CREDIT NEED TO ORDER THEIR CREDIT REPORTS

MORE ON CREDIT REPAIR
Credit repair is an important part of a company / person's financial health.
Most people hit hard times financially at one point in their lives. Temporary financial troubles make it almost impossible to keep current with bills and thus affects your future credit rating.

The Source of Inaccurate Information
Every day thousands of credit applications and / or credit account amendments are made in Canada. If you've ever worked with data entry on computers, you know how easy it is to make a mistake entering in information. It's extremely hard to double check each and every piece of information for accuracy and completeness as it's being entered into the system. From time to time errors go unchecked and are reported to the credit reporting agencies.

SEE OUR NEWSPAPER ARTICLE REGARDING CREDIT REPAIR (pdf format)

Can credit bureaus Keep Up with the massive volume of information?

In our opinion, a difficulty that a large Canadian credit reporting agency may experience is that they collect new information on millions of people each month. All of those people have approximately 10 or more pieces of credit information. We feel that it may be difficult for credit reporting agencies to keep all of that personal information accurate or complete each and every month.

SPECIAL REPORT - WHAT CRAs DON'T WANT YOU TO KNOW!

Come by and visit! Talk about Canadian Companies in the financial industry. This is a unique place to say whatever you want about every company. Rant, complain, talk, discuss, praise! You can say it all on at Canadian Money Advisor!

Banks
Collection Agencies
Credit Card Companies
Life Insurance Companies
Credit Bureaus
Mortgage Brokers
MORE!

Where else on can you speak your mind about the service, problems, or whatever else you've had to put up with from the Canadian Financial Industry giants for your whole life? This is the most comprehensive website of its type in Canada.

Credit Repair in Canada - Visit Express Credit Repair

2005-09-10T19:26:00.000-07:00

Looking for credit repair in Canada, please visit:

Express Credit Repair

Monty Loree - President
Express Credit Repair

BTW.. I am moving my credit repair discussion over to my main Financial Maturity Blog

Be wary of fake 'free' credit reports

2005-08-26T13:24:00.000-07:00

Be wary of fake 'free' credit reports - 2005-08-26
Be wary of fake 'free' credit reports - 2005-08-26

Equifax to pay incoming CEO $1.3 million salary

2005-08-26T12:51:00.000-07:00

People are going to have to purchase alot of credit reports from Equifax to pay the $1.3 million salary for the new CEO!!

AP Wire | 08/26/2005 | Equifax to pay incoming CEO $1.3 million salary

How Credit Reports and Credit Scores Can Affect Your Buying Power

2005-08-16T16:09:00.000-07:00

In fact, something as simple as paying down your credit card balance or correcting erroneous information in your credit report can boost your credit score enough to save you hundreds of dollars each year in interest or other charges.

DID YOU KNOW: Your credit score will be hurt if you're showing high outstanding balances on your credit cards and loans.
ie if you've got a credit card with a $15,000 limit and you owe $14,000 on it, it tells future lenders that you're possibly going to max out and not be able to pay them.

How Credit Reports and Credit Scores Can Affect Your Buying Power: "In fact, something as simple as paying down your credit card balance or correcting erroneous information in your credit report can boost your credit score enough to save you hundreds of dollars each year in interest or other charges."

Equifax exceeds Wall Street expectations | ajc.com

2005-08-16T16:07:00.000-07:00

There IS money in credit reporting.
Revenue in this year's second quarter increased 15 percent to $363.4 million, compared with $315.4 million a year ago.

Equifax has operations where the do credit reporting and many other things all over the world.

To find out all of the businesses Equifax own and operate do a search for
Equifax on bbb.org

Equifax exceeds Wall Street expectations | ajc.com: "Credit reporting giant Equifax beat Wall Street's second-quarter estimates by a penny Thursday, showing a gain in operational income but an overall drop in net income.
Because of one-time gains that pumped up earnings in the second quarter of 2004, Equifax's reported net income fell to $62.6 million, or 47 cents per share, from $73.2 million, or 55 cents per share, a year ago."

Auburn Man Sentenced to Prison for Identity Theft in Bank Scam, Reports U.S. Attorney

2005-08-16T16:00:00.000-07:00

It's nice to see somebody getting sentenced for Identity theft.

Auburn Man Sentenced to Prison for Identity Theft in Bank Scam, Reports U.S. Attorney

WORCESTER, Mass., Aug. 15 /PRNewswire/ -- An Auburn man, who was formerly employed by Sovereign Bank, in Worcester, was sentenced on Friday, August 12, 2005, for his role in a scheme that involved selling the personal identity information of bank customers that allowed others to gain access to the customers' funds.

Auburn Man Sentenced to Prison for Identity Theft in Bank Scam, Reports U.S. Attorney: "Auburn Man Sentenced to Prison for Identity Theft in Bank Scam, Reports U.S. Attorney

WORCESTER, Mass., Aug. 15 /PRNewswire/ -- An Auburn man, who was formerly employed by Sovereign Bank, in Worcester, was sentenced on Friday, August 12, 2005, for his role in a scheme that involved selling the personal identity information of bank customers that allowed others to gain access to the
customers' funds."

National City Selects TransUnion Cross-Sell Marketing Solution

2005-08-16T15:56:00.000-07:00

National City Selects TransUnion Cross-Sell Marketing Solution

CHICAGO--(BUSINESS WIRE)--July 26, 2005--TransUnion, a leading global information solutions company, today announced that National City Corporation has selected TransUnion's advanced cross-sell marketing solution. National City Corporation, one of the nation's largest financial holding companies, has an extensive Midwest banking network and also serves selected markets nationally.

National City Selects TransUnion Cross-Sell Marketing Solution

LA Weekly: Education Suze Orman and Robert Kiyosaki

2005-08-15T01:47:00.000-07:00

I found this article in LA weekly that features both Suze Orman and Robert Kiyosaki.
Suze Orman spends a great deal of time talking about how a person needs to get control of their FICO score and that it will save them $thousands.

I like the Money Rules! points below. These are some pretty strong points.
#1 Read something every day about money. This means concentrating on make money an actual priority.
Learning about it and getting into control with it. Reading about money programs your subconscious about it.
As you get money thoughts engrained into your head, you'll get better at understanding the short term and long term
implications of how you handle your money.

Are You In Control Of Your Money?
By Amy Sorkin
Advertising Special Sections Writer

Suze Orman and Ramsey suggest investing in a Roth IRA. "It’s the best retirement vehicle you’re going to find, bar none," says Orman.

"If you’re 30 years old and save only $100 a month in a ROTH IRA until you’re 70, you’ll have $1,001,000," says Ramsey. "So you can retire a millionaire on $100 a month. That’s pizza and cable money."

Robert Kiyosaki suggests being more proactive than simply investing for the long term and diversifying. But it’s an absolute prerequisite that if you take a more proactive route, you need to get well educated before you start making more risky investments.

Money rules!

Here are a few money rules to keep in mind, based on the collective knowledge of our experts:
• Read something every day about money.
• Save something — even if it’s as little as $10 — every month.
• Never loan money out of a 401K plan or use it to pay off credit card debt.
• Never close down your credit card accounts once you’ve paid them off. If you do this you’ll hurt your FICO score.
• Never open up a lot of department store cards where you use more than 50% of the available credit. That will hurt your insurance premiums.
• A will is not enough in most states. You also need a living revocable trust (this applies to California).
• If you don’t yet own a home, that should be your number-one financial goal.

LA Weekly: Education: "
Are You In Control Of Your Money?

LA Weekly: Education -Suze Orman - Fico Scores

2005-08-15T01:40:00.000-07:00

Here Suze Orman is pretty excited that everyone get into control of their FICO score.

It's worthy $thousands for you to increase your fico score so that you'll get lower interest rates with your current and future lenders.

LA Weekly: Education: "FICO! FICO! FICO!
Orman urges people to immediately start raising their FICO score. 'Most people don�t understand the ramifications their FICO score has on every single aspect of their financial life. They just think it�s enough if they even understand what it is.' (By the way, it�s the number that determines the interest rate you pay on your credit card, your car loan and home mortgages.) 'The truth is it�s far more than that. It�s the number that will determine if a landlord will rent to you, in many cases if an employer will now hire you, and how much you will actually pay in premiums. It has to do with every aspect of your financial life.' "

Suze Orman -FICO scores and Her Fico Kit..

2005-08-15T01:31:00.000-07:00

I was interested to see that Suze Orman has her own page on the MyFico.com website.
I guess she must be doing a show on credit reports and credit repair.

Suze Orman - Contact Us

It looks as if Suze's going to have a special show about using your FICO kit on August 20, 2005.
This must be sponsored by Fair Isaac Corporation.

If you're in Canada and want to talk about your credit reports, please come by www.canadian-money-advisor.ca

If you're in the U.S. and want some help with your credit reports, just leave a comment here.

I'm going to watch the August 20 showing of Suze Orman to see what she's talking about. Looks like CNBC is her television channel that she's working for.

CNBC... isn't that the one Howard Stern works for.. I'll never forget Private Parts where Howard Stern is practicing saying C"N"BC with Pig Vomit.
I just about died laughing. I've never heard anybody call pig vomit before.

Check out the next Suze Orman show and then come back and let me know what you think about what she says about FICO scores and Her Fico Kit..

Suze Orman's next show schedule's are on:
August 20, 2005
Sept 4, 2005
Sept 5, 2005

Credit Card Condom Contraceptive.

2005-08-12T11:57:00.000-07:00

This is the most important thing to stop credit disease in years.
THE NEW CREDIT CARD CONDOM PICTURE

This will give you the greatest excuse with all of the credit bureaus, Equifax, TransUnion, Experian.

Dear Equifax,

I thought I would be protected from Late payments, judgements, identity theft if I faithfully used the Credit Card Condom.

I thought this was the only protection I needed.

SEE IT HERE Financial Maturity
& other Money blabs: NEW!! - Credit Card Condom Contraceptive.

You can't remember your debt..??!!

2005-08-11T19:57:00.000-07:00

Sometimes you just have to get a chuckle with things.
I had a client in today who was the nicest person possible. We'll call this person Mrs X.

Mrs X has bad credit and we had a lovely chat while reviewing her credit reports, of course with both Equifax and TransUnion.

I found a surprising response to most of my questions. My questions weren't all that difficult. They went something like this:
ML "Is this your debt. What can you tell me about this debt?"

The reply to most of the items was, "I honestly can't remember.!"
At that point I wasn't shocked that this person had bad credit.

If you've got credit and don't have a head for numbers.. PLEASE make very loud reminders for yourself when things need to be paid etc. Make notes of every contract that you've signed with every company.

Quite frankly.. not remembering your debts is not an eligible excuse for not paying them. Creditors will still get mad at you and sue you for not paying them.

SERIOUSLY.. this person had credit items that were literally 10 years old and still plaguing her. (They were credit items for 5 and then went into collections for another 5) This is the penalty of not paying attention to your debts.

In short... the best way to repair your credit is by a great deal of planning and forethought about how to keep your debts current every month.

Monty Loree - President
Express Credit Repair

Credit Repair News and Discussion

Invitation to connect on LinkedIn

LinkedIn

RE: JV opportunity Dollarmakers Website

A friend wants to Share Favorites with you

Monty wants to Share his Favorites with you

FW: Your August TrueCredit newsletter

If I file for Bankruptcy will my student loans get discharged?

Credit Repair - What is Credit Repair?

RE: Facts Versus Fiction post

Credit Repair in Canada

FW: Your April TrueCredit Newsletter

Credit Repair Ebook Canada - information

Lists lists lists - what an ugly site

Stop by to say hello. New HomeBased internet business course.

Credit Repair in Canada

Credit Repair in Canada - Visit Express Credit Repair

Be wary of fake 'free' credit reports

Equifax to pay incoming CEO $1.3 million salary

How Credit Reports and Credit Scores Can Affect Your Buying Power

Equifax exceeds Wall Street expectations | ajc.com

Auburn Man Sentenced to Prison for Identity Theft in Bank Scam, Reports U.S. Attorney

National City Selects TransUnion Cross-Sell Marketing Solution

LA Weekly: Education Suze Orman and Robert Kiyosaki

LA Weekly: Education -Suze Orman - Fico Scores

Suze Orman -FICO scores and Her Fico Kit..

Credit Card Condom Contraceptive.

You can't remember your debt..??!!