[vc_row][vc_column][vc_custom_heading text=”RESOURCES” use_theme_fonts=”yes”][vc_empty_space][vc_single_image image=”4204″ img_size=”full” alignment=”center”][/vc_column][/vc_row][vc_row][vc_column][vc_toggle title=”Credit Reports” el_id=”1534496993729-04b658fc-a3c1″]IdentityIQ
https://tinyurl.com/2p8h24r6

Protect Your Identity
Special Offer: 7 Days for $1. Then only $29.99/mo.
CREDIT REPORTS & SCORES

IdentityIQ offers FICO® or VantageScore® credit scores from each of the credit bureaus, and your score will always be accurate based on the latest reporting. Get your complete credit outlook as well as insights into your credit report profile from all three credit reporting bureaus (TransUnion®, Experian™, and Equifax®).

MyFreeScoreNow.com
https://tinyurl.com/37xt2hcn

Get all 3 Reports and 3 Scores now! $1.00 nonrefundable activation fee charged at the time of order. $29.90 monthly membership is automatically charged after the 7-Day Trial period.

Receive Instantly Today’s credit Scores & credit Reports from All 3 Bureaus delivered in seconds! A personalized report of factors affecting your credit score. Click to communicate with and resolve issues directly with your creditors. See who is looking at your credit. Unlimited daily updates of your TransUnion score and report.

MyScoreIQ.com
https://tinyurl.com/zs44c7uh

MyScoreIQ active credit monitoring allows you to stay on top of your FICO® Scores to help you reach your credit goals. Know your scores today!

MyScoreIQ.com – Business Credit
https://tinyurl.com/5n7yjb69

TAKE YOUR BUSINESS TO THE NEXT LEVEL
Create and Monitor Your Business Credit Profile
2-Bureau Business Credit Reports & Scores
Business Credit Inquiries & Score Changes
Uniform Commercial Code & Public Record Filings
Business Identity Fraud Restoration

BUSINESS CREDIT FILE CREATION
Once you create a business credit file, you receive alerts for new activity. When there is enough information on file, Experian® and Dun and Bradstreet® can start producing your small business’ first business credit score and establish its business credit.

We work with these Services as well

* SmartCredit.com
* 123IDScore.com
* PrivacyGuard.com
* IDClub.com
* IdentityClub.com

Equifax

Equifax is one of the main credit bureaus as well as a well-respected and established provider of consumer credit services. Equifax provides consumers with a wide range of credit monitoring services. Equifax also offers a plan for consumers who are looking to monitor their credit score, and there are several options for those who simply want to receive access to their credit reports and scores.

TransUnion

Transunion offers total credit protection all in one place from credit score, credit report, and credit alert.

Experian

Experian is committed to helping you protect, understand, and improve your credit. Start with your free Experian credit report and FICO® score.[/vc_toggle][vc_toggle title=”Identity Theft Programs” el_id=”1534497020863-6591b4f2-3d69″]Trusted ID

TrustedID provides identity theft protection services that prevent thieves from stealing a victim’s identity and committing credit fraud, and it offers a $1,000,000 guarantee. TrustedID is the perfect solution for customers whose personal information has already been compromised or who want to protect themselves against credit fraud.

Life Lock

LifeLock offers consumers protection from identity theft and credit fraud. As an alternative to traditional credit monitoring services that alert customers after their credit information has already been compromised, LifeLock blocks access to consumers credit files before thieves are able to access them. They also offer helpful services to your customers such as stopping pre-approved credit offers and providing a smooth experience when trying to obtain new credit.

Identity Guard

Identity Guard offers credit monitoring and identity theft prevention services with a wide range of identity theft protection plans available to help your customers secure their personal information, and they also provide access to credit reports and credit scores from the three major credit bureaus.

Identity Truth

IdentityTruth provides credit monitoring and identity theft prevention services that can help protect your customers from credit fraud for less than $10 a month with a $2 million guarantee.

[/vc_toggle][vc_toggle title=”Credit Monitoring” el_id=”1534497046443-a387f126-ded5″]MyScoreIQ.com
https://tinyurl.com/zs44c7uh

MyScoreIQ active credit monitoring allows you to stay on top of your FICO® Scores to help you reach your credit goals. Know your scores today!

MyFreeScoreNow.com
https://tinyurl.com/37xt2hcn

Get all 3 Reports and 3 Scores now! $1.00 nonrefundable activation fee charged at the time of order. $29.90 monthly membership is automatically charged after the 7-Day Trial period.

Receive Instantly Today’s credit Scores & credit Reports from All 3 Bureaus delivered in seconds! A personalized report of factors affecting your credit score. Click to communicate with and resolve issues directly with your creditors. See who is looking at your credit. Unlimited daily updates of your TransUnion score and report.

MyScoreIQ.com – Business Credit
https://tinyurl.com/5n7yjb69

TAKE YOUR BUSINESS TO THE NEXT LEVEL
Create and Monitor Your Business Credit Profile
2-Bureau Business Credit Reports & Scores
Business Credit Inquiries & Score Changes
Uniform Commercial Code & Public Record Filings
Business Identity Fraud Restoration

BUSINESS CREDIT FILE CREATION
Once you create a business credit file, you receive alerts for new activity. When there is enough information on file, Experian® and Dun and Bradstreet® can start producing your small business’ first business credit score and establish its business credit.[/vc_toggle][vc_separator][vc_toggle title=”Consumer Rights” el_id=”1534497091879-cbd01c52-0455″]

You have the right to receive a copy of your credit report. Each of the nationwide consumer reporting companies ” Equifax, Experian, and TransUnion ” is required to provide you with a free copy of your credit report, at your request, once every 12 months.

If a company denies your application, you have the right to the name and address of that credit bureau.

If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider.

You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction. Learn More

[/vc_toggle][vc_toggle title=”The Fair Credit Reporting Act” el_id=”1534497109651-fee1c63d-be40″]This is the Fair Credit Reporting Act (FRCA) as prepared by the Federal Trade Commission (FTC). It is intended only as a convenience for the public and not a substitute for the text in the U.S. Code. Learn More[/vc_toggle][vc_toggle title=”Credit Repair Organization Act CROA” el_id=”1581722138668-ee6e4f4a-42f4″]The Credit Repair Organizations Act(CROA) is a title passed to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and to protect the public from unfair or deceptive advertising Learn More[/vc_toggle][vc_toggle title=”Identity Theft” el_id=”1534497195124-ad2f142b-3adb”]

A number of government and private organizations have information about various aspects of identity theft and fraud: how it can occur, what you can do about it, and how to guard your privacy. Agencies like the Federal Bureau of Investigation, Federal Trade Commission, United States Postal Inspection Service, United States Secret Service, the Better Business Bureau, and more.

There is no “quick and easy” answer to this question. You should discuss your situation with a credit counselor or a bankruptcy attorney, to evaluate the costs and benefits of bankruptcy given your personal financial situation.

Not every debtor qualifies to file for Chapter 7 bankruptcy. A means test is applied to determine if you will be able to repay a substantial percentage of your debt, and if you are determined able to do so you will be ineligible for a liquidation of your debts and will likely have to engage in a repayment plan as part of a Chapter 13 bankruptcy.

The type of debt you owe can be a significant factor in whether you file for bankruptcy, as well as the form of bankruptcy you pursue. Factors which may affect your decision to file for bankruptcy protection are detailed in this associated article: Filing For Personal Bankruptcy Protection in a U.S. Court.

Your ability to rebuild credit after filing bankruptcy is better than it has ever been. After you get your discharge, you will receive many solicitations from lenders offering to finance homes, vehicles and credit cards.

[/vc_toggle][vc_toggle title=”Here are some tips to responsibly and successfully rebuild credit:” el_id=”1534497212481-656315f8-0c43″]

  • Open a checking or savings account. Lenders may look at this to determine if you can responsibly handle money.
  • Apply for store and gas credit cards that you would normally pay cash.
  • Apply for a secured card where you deposit cash and charge against it. Pay advances back over two months so that they will be reflected as positive marks on your credit report.
  • Pay your utility bills and rent on time for at least a year.
  • Find a friend or relative to cosign for you on a loan and pay it on time.
  • Look for car dealers and mortgage brokers that attest to be “bankruptcy friendly”. Buy a used car so you do not get hit with the depreciation that occurs during the first two years of a new car purchase.
  • Stay away from payday loans that are at high interest rates and are a “bad credit” trap.
  • Write a letter to each credit reporting agency explaining the circumstances that lead to you filing.
  • Live within your means. Do not unnecessarily increase your debt to income ratio by taking on credit to purchase luxury items that you DO NOT NEED. Your payments on consumer debt should equal no more than 20{7c017bd77d05e4458a445d65b07f0f0fd1d2dfde04ad21d7444bc8c9b072b5c5} of your expendable income after costs for housing and a vehicle.
  • Pay your reaffirmed, pre-bankruptcy debts on time.

[/vc_toggle][vc_toggle title=”Fallacy: My score determines whether or not I get credit” el_id=”1534497333924-6014500e-f57d”]Fact: Lenders use a number of facts to make credit decisions, including your FICO?,® score. Lenders look at information such as the amount of debt you can reasonably handle given your income, your employment history, and your credit history. Based on their perception of this information, as well as their specific underwriting policies, lenders may extend credit to you although your score is low, or decline your request for credit although your score is high.[/vc_toggle][vc_toggle title=”Fallacy: A poor score will haunt me forever” el_id=”1534497353108-02908507-cbd8″]Fact: Just the opposite is true. A score is a “snapshot” of your risk at a particular point in time. It changes as new information is added to your bank and credit bureau files. Scores change gradually as you change the way you handle credit. For example, past credit problems impact your score less as time passes. Lenders request a current score when you submit a credit application, so they have the most recent information available. Therefore by taking the time to improve your score, you can qualify for more favorable interest rates.[/vc_toggle][vc_toggle title=”Fallacy: Credit scoring is unfair to minorities” el_id=”1534497376311-5403ccdc-2139″]Fact: Scoring considers only credit-related information. Factors like gender, race, nationality and marital status are not included. In fact, the Equal Credit Opportunity Act (ECOA) prohibits lenders from considering this type of information when issuing credit. Independent research has been done to make sure that credit scoring is not unfair to minorities or people with little credit history. Scoring has proven to be an accurate and consistent measure of repayment for all people who have some credit history. In other words, at a given score, non-minority and minority applicants are equally likely to pay as agreed.[/vc_toggle][vc_toggle title=”Fallacy: Credit scoring infringes on my privacy” el_id=”1534497387718-efc7d0f2-69b1″]Fact: Credit scoring evaluates the same information lenders already look at – the credit bureau report, credit application and/or your bank file. A score is simply a numeric summary of that information. Lenders using scoring sometimes ask for less information – fewer questions on the application form, for example.[/vc_toggle][vc_toggle title=”Fallacy: My score will drop if I apply for new credit” el_id=”1534497405459-a782a879-0371″]

Fact: If it does, it probably won’t drop much. If you apply for several credit cards within a short period of time, multiple requests for your credit report information (called “inquiries”) will appear on your report. Looking for new credit can equate with higher risk, but most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on the credit score.

If you are behind on payments and wanted to know what options are available, many time professionals forget the simple options to homeowners. For professionals in the foreclosure business, we use terms such as deed-in-lieu, forbearance, loan mod, and other terms that homeowners may not. I have come up with a few terms and options that homeowners should have available as options for available alternatives to foreclosure.

[/vc_toggle][vc_toggle title=”Forbearance” el_id=”1534497425063-e1bfee9d-7c71″]A company will attempt to stall or reduce your payment by submitting a hardship package on your behalf. Many times the lender will work with a “foreclosure assistance” company before working with an individual attempting to submit a foreclosure package.[/vc_toggle][vc_toggle title=”Buy-Back-Program” el_id=”1534497441443-434e7d95-17c1″]With this option, you can actually sell your house and continue living in. Some investors offer a buy back program where they will step-in quickly, purchase your house, and allow you to rent it while you catch up on your bills and even allow you to purchase it back from them once you are “back on your feet”. (Be very careful, some companies are better then others, and of course, you have those predators out there)[/vc_toggle][vc_toggle title=”Restructure (Most Popular Alternative)” el_id=”1534497455959-f3de5a58-1155″]Some foreclosure companies will negotiate with your lender to get your loan in good standing again. There are many options available to get a restructure approved like a separate payment plan for your delinquency or even adding the delinquency to the end of your loan. No one can guarantee to restructure your payments, so be careful.[/vc_toggle][vc_toggle title=”Reinstatement” el_id=”1534497481568-1797a869-e0e8″]Pay your lender(s) your entire past due payments to bring your mortgage current. This option is rarely feasible. (However I know some private money lenders that will provide homeowners up to 90{7c017bd77d05e4458a445d65b07f0f0fd1d2dfde04ad21d7444bc8c9b072b5c5} for the reinstatement amount.)[/vc_toggle][vc_toggle title=”Refinance” el_id=”1534497496016-b9e2d0ae-40ec”]Hardly available, through traditional lenders, however some foreclosure companies have established relationships with in-house lenders who can give loans on mortgages that are in foreclosure if there is enough equity in your property available.[/vc_toggle][vc_toggle title=”Sell Your Home” el_id=”1534497509144-c2827d09-5f4b”]You may simply sell your home before the Foreclosure Sale Date. Sometimes the home owner is unable to sell the home outright at the desired sale price and this is not an option.[/vc_toggle][vc_toggle title=”Short Sale” el_id=”1534497532783-9e50bd57-e9cd”]In this instance the lender may take less than what you owe on the loan to avoid a lengthy and costly foreclosure process.[/vc_toggle][vc_toggle title=”Deed-in-lieu of Foreclosure” el_id=”1534497551194-f7846a8b-5826″]You or a foreclosure company can arrange for you to simply give the home back to the lender and walk away with a clean slate.[/vc_toggle][vc_toggle title=”Bankruptcy” el_id=”1534497563147-2bb1fbff-b037″]This is a last resort. This will only save your home temporarily. If you miss one payment during this process the lender will put you right back into foreclosure.[/vc_toggle][/vc_column][/vc_row]