Jenny Maclaire

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Digital Identity Group Helps In Cleaning Up The Internet

Established in 2012, the Digital Identity Group is firm that specializes in cleaning up the internet, literally. They have an elite team of take down experts that help both individuals and small businesses get relief from damaging content posted online.

Many business owners are at risk of having their name tarnished online. Websites such as Ripoff Report prey on small businesses who are struck by fake reviews or outright slander. Luckily there is a solution. The Digital Identity Group has a proven method to not only remove the damaging content but prevent it from coming back. Visit, DigitalIdentityGroup for more details.

If you have a Ripoff Report on the first pages of Google then there is little you can do to bury it. SEO companies will post positive content in an attempt to bury the report. Unfortunately, the results are often disappointing and temporary. The Digital Identity Group was created by reputation experts who specialize in actual removal of the content, not just burying it.

The only lasting solution to false or damaging content is of course to have it removed or delisted from Google search results. This process is has been used successfully in over 1500 cases by the Digital Identity Group. Their success rate in removing qualifying content is nearly 100%.

Ripoff Report does not want you to know about this method. They make money when their victims are in the dark. When you feel like you have no options is when they are likely to get money from you to “edit” your review and charge other services which will not result in any removal.

If you or your business has been struck by Ripoff Report then you need to contact a removal expert such as the Digital Identity Group. Most small business owners report losing thousands of dollars, sometimes tens of thousands of dollars or more yearly from a Ripoff Report. However, that doesn’t have to be you.

You need professional help in this matter. The Digital Identity Group is there to protect your good name and get the content removed. Don’t let these review websites manipulate or intimidate you. There is a permanent solution to the reviews, and it starts with working with the Digital Identity Group. They can help you start an effective removal strategy that is right for you.

Learn more by going to their website at www.DigitalIdentityGroup.com.

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How Fast Credit Card Process

If there is an unstable economy in the state then the individual finds it tough to get a credit card. Whether it be a home loan or business loan, it becomes a bit harder to get it approved, due to bad credit score. The credit card company does look at multiple factors when they take up a decision.

Credit worthiness

It is also necessary to look up the credit worthiness, but some credit card companies do look into more detailing. Amount of debt that an individual has as his outstanding amount. It is a big factor to get a credit card. If you have a bad credit score then you might have to adapt a fast credit repair process to cover it up. Or else it will become tough to get access to a new card.

Payment History

Forwarding late payments is also another reason that falls hard on new credit cards. If once a people are late in making payments, then it is taken as mercy. But a regular one may make debtor fall into bad repute. During unstable economy, credit card companies do make some strict lending rules. During a raised economy one will not such harder situations to get a credit card.

Overall Credit Score

The overall credit score plays a major role in bringing out a credit card that one may have applied for. If the economic condition is rocky, credit score needs to higher to get a card. Outside the normal rule credit card companies have their own set of rules to maintain a stable economy.

Credit card companies do look into the financial history of individuals if they apply for a credit card. Maintaining a good credit rating will obviously have a better impact. You will be able to meet the uncertainty of economy. Alternatively, the safe way may be to apply for a new card after the uncertainty period gets over.  

About the Author:

My name is Paty Lewis a Financial Adviser at Zinu Credit Repair. It is a best credit repair in USA. Helps you to fix bad credit. And offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.

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Effects Of Credit Repair

This is a term referring to the action taken to correct the state of a persons credit. Causes for the need for credit repair can include previous poor credit management, finding errors on a credit report, or the terrible effects of identity fraud.

Actions taken during the process of credit repair might be the improvement of financial behavior or filing disputes with credit bureaus. Depending on the severity of the case, professional legal and financial counsel should be retained to resolve the issue.

Individuals can contact creditors and credit bureaus directly to dispute credit errors for free. Each business might have its own process and guidelines so contact the business involved directly and ask for their specific dispute procedures. Visit, credit repair company for more details.

Trying to dispute and resolve errors can be time-consuming and cumbersome. Many people find the experience too frustrating and turn to credit repair companies to resolve the issues. Credit repair companies usually charge a fee for their service. These fees differ depending on the state of residence and the type of service that is requested. Victims of identity theft often require these services due to the vast extent of repairs needed.

Be wary when choosing to hire a credit repair company. Reputable companies do not make outrageous claims, and they clearly explain the terms of the agreement. The Consumer Protection Act was signed in 1996. A part of that act was Credit Repair Organizations Act (CROA). CROA protects consumers rights by making it illegal for credit repair companies to misrepresent what they can do for customers. And it is illegal to charge customers before performing their services. The Federal Trade Commission (FTC) enforces the CROA.

Under this enforcement, credit repair companies are required to:

1.Explain your legal rights in a written contract that details the services to be performed. 2.Elaborate your three-day right to cancel without any charge. 3.Tell how long to expect to get results as promised. 4.Inform the total cost to be paid. 5.Explain any guarantees.

If a credit repair company doesn't abide by promises made, consumers have options.

1.Sue the credit repair company in federal court for the amount up to actual losses or for whatever amount that was paid, whichever is more. 2.Seek punitive damages, a punishment. 3.Join other people in a class action lawsuit against the company

The FTC warns that not all credit repair companies are legitimate, even if they claim to be 'non-profit'. The FTC advises contacting your financial institution or local consumer protection agency as good sources of information and referrals.

If filing bankruptcy, laws require that you get credit counseling from a government-approved organization within six months before filing for bankruptcy. A list of these approved organizations is available at www.usdoj.gov/ust. This listing is managed by the U.S. Trustee Program.

Accurate information on your credit report and in your credit history, is a part of your credit history. Therefore, it will remain on your credit report for seven years.

About the Author:

My name is Paty Lewis a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair companies in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

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Affects Of Improve Credit

The accuracy of your credit report can significantly affect your financial future and can determine if you are approved for future credit. Proper and savvy use of credit as a financial tool is crucial.

The US Federal Trade Commission (FTC) reports that approximately 19% of all credit reports have some sort of error. About 25% of those errors were substantial enough to affect the overall credit score. Disputes can be filed, and corrections made, but an FTC study also indicates that approximately 70% of consumers do not fix all errors.

Errors can originate with any of the participants of the reporting process, either creditors, the bureaus themselves, or consumers. The most common errors involve identity and credit lines erroneously listed under an identity number. Identity errors can be a misspelling of names or an inaccurate address. Sometimes that happens due to poor handwriting or data entry. Another identity error can be caused by the inaccurate use of a maiden name after the name has been legally changed. Accounts that have been closed and still appear as open or past due or accounts that misstate credit amounts have the greatest impact on an overall score. Credit utilization, the amount of credit used compared to total amount of credit available, is a major factor in calculating a credit score.

Disputing credit report errors can become a tangled and time-consuming battle. It's smart to be proactive. There are some simple actions that savvy consumers can take to avoid errors and save themselves a headache. Please check clean your credit for more information.

Pay on Time

It seems easy. Pay your bills on time, as specified by the due date. It is the best and simplest way to efficiently manage your credit health.

Manage Your Use of Credit

This is referred to as Credit Utilization, and this calculation is approximately 30% of a credit score, the second highest factor. Consumers should know the status of their accounts and periodically confirm credit limits on open accounts.

Review Credit Reports from all Three Credit Bureaus

This will confirm the accuracy of identifying information. This action also confirms the status of all accounts, open or closed, as well as credit limits and utilization. This listing would warn the observer if there are accounts misreported either by unintentional error or identity theft. A common error found during review is old accounts reported as still active. In the event that credit is denied, the consumer is entitled to access their credit report at no charge.

Be Proactive Against Identity Theft

Proactive actions include collecting mail promptly and discarding it effectively, which might include shredding financial items. Stop junk mail by being removed from mailing lists. Consumers can register on the National Do Not Mail List to stop unsolicited mail.

Identity theft is a growing concern and a valid concern. If a consumer believes their information has been compromised, they can file a fraud alert with the credit reporting bureaus. If a consumer has evidence of identity theft, a police report should be filed to document the incidence. Contacting the credit bureaus with that police department allows the consumer to place a credit freeze at no charge. No credit account can be opened under that social security number while that freeze is in place.

About the Author:

My name is Paty Lewis a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair firms in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Reach me out.

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Busting Popular Myths About Credit Repair

Here are a few of the many myths that are busted about rebuilding credit. You must have read and heard a lot about debt management, debt settlement, and credit score. The question is that do these terms mean anything or are they just layman terms? Can credit be repaired in reality? The answer to these questions can be found in them only. It is correct you need to research a little. If you are in trouble with your debts, get an answer to these questions. This article will give you an idea.

Increasing Credit Score will definitely help you lead a better life.

To start with credit repair is not a mere term and it is very much possible a thing. This means that you can repair your credit without much of a difficulty. Now the question arises as to how can you do so? Again the resolution to these queries lay hidden in the fact which approach you want to opt for, like a do it yourself or professional help.

If you want to stick to the do it yourself method, then you need to understand the importance of the whole thing. To be precise you need to get a fair idea of your position. If you are neck deep in debt and want a way out of this, then you need to get a grip on your spending habits. Pay your creditors on time and get current with your payments. All this will definitely help you lead a better life.

Nonetheless you need to be practical about one thing that is getting professional help for this is a far better idea than opting to do it yourself. A credit advisor on the other hand will hear you out, get all the necessary details from you about your income, and plan thing for you. They will make the required adjustments and assist you with all your queries in regards to debts. All this will in turn help you to get your credit repair done in no time at all. So what are you waiting for? Go ahead and call a credit counselor today!

About the Author:

My name is Paty Lewis a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair company in USA. Helps you to fix bad credit. And offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are wondering what are the best ways to repair credit. Please contact me. I am more than happy to serve you.

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Effects Of Credit Repair And Procedure Bad Credit

Well a lot of people actually do not understand what exactly credit repair is. So, how can one deal with it? Dealing with credit repair may not seem to be an easy procedure, but in reality it is not that complicated too. Just read on to get a fair idea about how you can do so in the long run.

The first thing that you need is to get a Credit Report from any of the well known credit agencies like Experian, Equifax or TransUnion. You can get one from each if you want or can simply get one to see how your Credit Score looks like as of now. This is the basic thing that you need to do if you are thinking taking a professional help or want to do it yourself.

As soon as you get the report you are requested to read the report thoroughly. Consider this to be an important as it will give you a comprehensive inkling. You can actually find out which is rightly placed and which one has to be removed. Look for partial details, spelling errors and wrong credit history. Make sure you do this as well as this will only help you avoid unwanted credit on file. There is no need to mention that this will take some load off your report for sure.

The Easiest Way to Credit Repair

After all this the easiest way to credit repair is by starting to pay off your debts. Once you restart your payments, you can see the debts vanishing. No wonder this can take care of all that you have not been able to do in the past. Yes you need to keep one thing in your mind that this cannot happen overnight. You need to give it some time. Many people think that it is a matter of one day affair which is not at true. You need to have patience and let it take its time to repair the already damage credit.

About the Author:

My name is Paty Lewis a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair company in USA. Helps you to fix bad credit. It is also known to be the fastest credit repair company that offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.