Credit Repair Info

Finding the right credit repair info to suit your personal financial situation can sometimes be a little confusing. There are plenty of tips available, but many of them seem to revolve around trying to keep you in debt longer than you need to be or working on debt negotiation strategies. The unfortunate part about credit repair info that includes these things is that they have the potential to sometimes damage your score even further if they’re not dealt with the right way. Debt Settlement Debt settlement is where you, or a company working on your behalf, negotiate with your creditors to accept an amount of money that is often a smaller amount than the full balance you owe.

The agreement is supposed to represent payment in full for your total debt and in some cases can see your penalty fees waived or the total balance lowered a little. There are some cases where this tactic can be an excellent way to help some people begin rebuilding credit. While this sounds great on paper, the reality can often be a little different. Even though you might get your creditors to agree to accept a lower amount of money as the total payment, you still need to pay it.

This usually means entering a payment agreement where you must pay a certain amount off your debt each month until it’s paid off in full. If you miss a payment or fall behind, this is listed as a far worse credit infringement than a regular missed payment. On top of this, some lenders may report a debt negotiation or settlement more negatively than the original late payments, which can reduce your score even further than it already was. What many of these credit repair info tips neglect to tell people is that you’re able to make payment arrangements with your creditors on your own. Simply call your bank or lender and tell them you want to make a payment agreement with them.

They’ll work with you if they think they’re going to get their money back. This will also do far less damage to your credit report. Debt Consolidation There are many programs and companies available willing to help those with bad credit to consolidate outstanding debts into one easy consolidation loan. While this can help to clear many of your unpaid balances and help to reduce your monthly payments too, it might not always be the ideal credit repair info you need to boost your score quickly.

Once you’ve consolidated all your past debts and paid down those outstanding balances, your credit score may not get the boost you were hoping for. The unfortunate part about the credit scoring system is that a portion is calculated by the average length of time you’ve had available credit. When you pay out all those older accounts and open new credit, like a debt consolidation loan, this has the potential to reduce your score a little. Remember to always check the credit repair info you find before you sign up for any programs or counseling. If you’re ever unsure of the info you’ve found, contact a non-profit debt counseling service to see if they can help to put you on the right track.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Credit Repair Credit Cards To Improve Your Score

Credit repair credit cards are cards that are designed for people with bad credit. If you have very bad credit and you can’t get a regular credit card, there are companies that can help you. They offer cards that come with certain restrictions to lower their risk. These credit repair credit cards are one way to start improving your credit score. Some cards that can help you improve your credit score don’t require a deposit from you. These are unsecured cards just like a regular

MasterCard or Visa. But with these special credit cards, you typically will have a very low credit limit. It’s not uncommon for you to be able to get credit repair credit cards that only have credit limits of $200 or $250. That’s because they don’t want someone with bad credit to be able to charge hundreds of dollars and not pay. Another common feature of these credit cards is a high APR. This is a high interest rate that’s usually much higher than you would have if you had a regular card and good credit. You might be able to get a low 9% APR with a regular card. A card for those with bad credit might automatically have 24% or even higher.

The offers vary by credit card, but most also have monthly fees in addition to the high interest rate. You could have to pay $7 a month or more just to have the card even if you don’t use it. That amount is charged to the card and incurs interest fees like every purchase will. Most of these cards also charge a fee for you to get the card. If you apply and are approved, you could pay up to $95 and in some cases more as an annual fee for having the card. Unfortunately, these cards may be the only option for someone with very bad credit. If you read the fine print you could find that as soon as you get the card you’ll be charged a $79 application fee, a $20 card fee, a $95 annual fee, a $45 set up fee and the first month $7 fee. If you do and you pay that off quickly, you’ll help improve your credit. And with a card like that, if you start out with a credit limit of $250, you only end up with about $70 of credit; until you pay off all the fees you pay just to get the card! You can also get what’s known as a secured credit card. These are often the only kind of credit repair credit cards people who have extremely bad credit can get.

There’s usually a fee for getting the card that’s around $75, and then you have to make a deposit. If you want $300 of credit, you deposit $300. You still make regular payments but they hold your deposit against the risk of your bad credit. These credit repair credit cards can be helpful in rebuilding your credit if you’re careful.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Tax Tip: The BIGGEST Tax Deduction You’ve NEVER Heard Of

Well, howard, if you missed last week’s 
web briefing, you missed something HUGE!

  (But don’t worry, I recorded it for you.)

What you missed was announcement of the
BIGGEST of ALL tax deductions for 2019,
available to most (but not all) Small and Home-
Based Business owners.

This one deduction alone can slash your
taxes (or increase your refund, which is the
same thing) by an average of ˜ $5,000/year.

This is the ONLY way that ANY taxpayer 
can deduct 100% of ALL health expenses 
for his or her ENTIRE FAMILY.

     Go ahead – read that again
This is MASSIVE for small-biz owners!


  • All Monthly Health Insurance PREMIUMS
  • Multi-Thousand-$$$ ANNUAL DEDUCTIBLES
  • All CO-PAYS and Co-Insurance
    Including SPECIALISTS and out-of-plan Doctors
    Including out-of-plan HOSPITALS
    Including Out-of-COUNTRY health care
  • Health costs Only PARTIALLY Covered by Ins.
    i.e., Orthodontics
    i.e., Lasik eye surgery
    i.e., Hearing aids
    i.e., Long Term Care insurance
  • Health costs Normally NOT Covered by Ins.
    i.e., WELLNESS care
    i.e., NATURAL and HOMEOPATHIC procedures
    i.e., EXPERIMENTAL Cures and Studies
    i.e., NUTRITIONAL Supplements


No one who runs a small-business of any kind
should miss this briefing. This is the BIGGEST
tax deduction EVER given to small-businesses,
to my knowledge.

Watch it now while it is still posted for FREE
viewing. It will soon move to “pay-per-view”
status, but FOR NOW it’s still free at

You still have time to get qualified and to be
up-and-running by Jan. 1, 2019 IF you act

Dr. Ronald R. ‘Ron’ Mueller, MBA, Ph.D.
Author, Speaker and Small-Business Tax Specialist

If you choose to not watch the video briefing, you
most-likely are choosing to overpay your taxes.
By thousands. Year after year. Starting now.

This email was sent to

Home Business Tax Savings Inc. | 2907 Shelter Island Drive Suite 105 | San Diego, CA, US | 92106

Credit Card Debt Services – Are They Right For You

There are many credit card debt services available, most of which are designed to help you cope with your credit card debts and get them back under your control. Depending on your level of debt, you should check what kind of credit card debt services you require before you sign on for any program. You should also be aware of the services you?ll be getting and how much you can expect to be charged for those services. Be sure that you?re applying for the right credit card debt services for your individual situation. Credit Counseling Services Financial credit counseling is perhaps the simplest form of credit card debt services. Certified counselors are trained to take a look at your financial situation and then help you to find ways to adjust your current budget.

They?ll also work with you as you learn how to take control of your financial obligations in a responsible manner. In many cases, credit counseling could be the perfect solution for many people, because you?re not just learning how to reduce your debt properly and effectively, but you?re also learning valuable financial literacy that can help you avoid getting into the same financial mess again in the future. Debt Consolidation Services Many debt consolidation companies offer credit card debt services in the form of consolidation loans. Their aim is to refinance your current credit card balances and roll them into a consolidation loan that is often charged at lower interest rates. Your old repayments stop and you only have one easy repayment to think about each month that is often much lower than your old payments.

While it appears that all your credit cards have been paid out and your payments have been reduced, it?s important to look at your overall level of debt. Many people who apply for debt consolidation loans through credit card debt services find that they owe more than they did after the loan is established. This is usually because some of your old creditors may have added penalty interest or overdue fees to your balances, but it may also be because the company you?re working with may have also added their fees to your debt balance. While you might feel as though you?re paying less each month, you may have actually increased the amount you owe. Always check how the company you?re working with will be paid. Debt Negotiation Services Credit card debt services exist for those clients who haven?t made any payments on their credit cards for several months. If this sounds like you, then you might consider applying for a debt negotiation program.

Companies offering debt negotiation, or debt settlement, work with you to negotiate with your creditors on your behalf in an attempt to get the lender to settle for a smaller amount of money as payment in full for your outstanding credit card debt balances. This works best on unsecured debts like credit cards and you should be able to show the company that you haven?t made repayments for at least a couple of months. In many cases, credit card debt services using negotiation as a tool to reduce your debt can often get your creditors to agree to accept 40-50% of the original debt amount. This can be a significant debt reduction for many people.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Credit Card Debt Facts

There are multiple facets to credit card debt. There are multiple myths surrounding these multiple aspects that people tend to believe. These myths may hurt them as they work to pay off their debt. Knowing the credit card debt facts, over these myths, will help you to better understand your debt. You can better understand what you need to do to pay off that debt. You can also better understand the culture of debt in society, and how you must work to stay away from a growing trend. Interest Rates can Change Interest rates are not set in stone. While you may enjoy a small interest rate now, that interest rate could jump without notice. While laws are being passed to change the rules regarding interest rate changes, they may still be changed until these changes become law. By sticking with monthly payments and by religiously paying down your debt, you can avoid these interest rate changes. Minimum Payments are Not Enough Many people believe that the minimum payments that they are making will be enough to pay down their cards debt balance.

They do not realize that, on many of their credit cards, the interest charges per month can be larger than the minimum payments. If you are only paying the minimum payments on your cards, you may still be gaining debt. Debt Continues to Rise When people are dealing with debt, they tend to go into more debt. People will often open up new credit cards to help pay off their old credit cards. Eventually, they fail to realize that they have dug themselves into a deeper hole. General credit card debt is rising by at least 1% per year. Debt is also rising on the personal level. Slowly but surely, the average debt for Americans in debt is rising. According to a Nilson Report from April 2009, the average credit card debt for USA households has jumped from $10,737 to $10,779; an increase of over $40 in less than a year, from 2007 to 2008. More People Go Into Debt Every Day As a nation, America has almost $1 Trillion in credit card debt.

This number continues to rise. In the past year, 700,000 people in America have gained a credit card that did not previously have one. This means that over half of a million people went into credit card debt in the last year. Credit card debt is an easy habit to fall into. Debt continues to rise for individuals, and for society as a whole. If you can, stay away from creating new debt as you work to overcome your current debt. With that being said, you should still work to increase your payments to avoid the issues that come from many of these credit card debt facts. By knowing the truth behind these facts, however, you can take the best possible approach to your financial situation.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Debt Negotiation Companies – Can Be A Lifesaver

Debt negotiation companies can help you to get rid of your debts and reduce the total amount you owe. Sometimes also called debt settlement, debt negotiation occurs when a company liaises with your creditors on your behalf in an effort to get them to agree to a reduced amount of money as being payment in full for your debts. While this sounds like an easy way to get rid of your debts, the reality is you must already be several months behind on your repayments to qualify for a negotiation program. With payments already delinquent, it?s likely your credit has been affected negatively anyway.

You’re also likely to have penalty interest fees and overdue payment charges added to your balances, which makes it even harder to catch up. In some cases, debt negotiation companies are able to negotiate to have the penalty interest charges waived and the overdue fees removed. Once these are gone, they can begin working to try and reduce the balance you owe. Why Will Banks Negotiate My Debts? Banks realize that if you? re already several months behind on your repayments, then there is a chance you may file bankruptcy. If this happens, they won’t get back any of their money and they will then need to write off your unpaid debts as bad debts.

When a customer is in severe financial difficulty and asks for a negotiation to represent payment in full, banks will often realize that it?s better for them to get back a little of their money rather than nothing at all. In many cases, you could negotiate to have your debt reduced to around 40-50% of your total amount of debt. Can I Negotiate My Debts On My Own? It is possible to apply for a debt negotiation with your lender on your own, however, many debt negotiation companies have long-established connections with most lenders and banks. This can often give them a little more bargaining power as they? representing multiple applications. Another advantage debt negotiation companies have over individuals is that they?re able to discuss the terms of your settlement with calm, professional detachment. An individual is often distressed and upset by their financial difficulties, which can make them quite emotional when trying to work towards a settlement agreement. Bank representatives are often less helpful with customers who appear to be emotional.

How Do I Find the Best Debt Negotiation Companies? Before you agree to any services from a debt negotiation company, always take a little time to do some homework. Ask about the fees and charges that will be incurred for their services and check the internet for any complaints about that company made by any other clients. When do you think you? ve found some suitable companies, ask them for references. If the company representative tells you that they can?t supply references because of privacy issues, take your business elsewhere as this is not a valid excuse. Once you? ve found the right debt negotiation companies to help you, work on getting rid of those debts and regaining control of your financial situation.

Howard Martell is the Owner of\silver . Check us out anytime for marketing tips and a free subscription to our cutting-edge newsletter.

Debt Consolidation What You Need To Know About Debt Consolidation Care And Other Consolidation Services

It is easy to get into debt. It is also easy to get overwhelmed with debt. People will constantly find that they have a debt amount that they cannot afford to pay. Companies like debt consolidation care claim to be able to help these people with this unmanageable debt. If you are thinking about going with a debt consolidation service, you need to be informed. If you understand as much as possible about the process, you can be sure that you are making the right decision for your debt situation.

You’re Still In Debt Debt consolidation will make your debt situation easier to swallow. The smaller payments will be easier to handle. With that being said, it is important to remember that you’re still in debt. Do not continue poor spending habits, and do not make plans for the amount of money taken off of your monthly payments. You should use the debt consolidation to attack your debt, not to continue old spending habits. You’re Actually Paying More It is important for you to consider that fact that you will be paying more money overall with a consolidation plan. Consolidation companies need to make money.

They will make this money through the extra money you pay, over time, through their loan. You need to realize that different consolidation companies will make you pay more than others. Do research to understand which consolidation company charges you the least amount of money over time. Consolidators May Be Sketchy Not every consolidation company is looking out for your best interests. There are companies that will charge exorbitant amounts over the life of your loan.

There are other companies that may not make your full monthly payments. You must do your research to ensure that you are getting debt consolidation care from a reputable company. It Might Not Work Debt consolidation is not the silver bullet to your debt needs. You need to realize that you must change your spending habits and your financial habits. Failure to do so will lead to the failure of your consolidated loan. Make a conscious effort to change these spending habits. The more you can change about your financial habits, the better of you will be in both the immediate and extended future.

There are debt consolidation companies that can help you with your debt. While these companies are making money off of you, it can be worth it in the end. If you think that you could benefit from these companies, be sure to do your research. You need to make sure that the company is legitimate, and that they will be able to help you with your debt. When you find this type of company, you will have found the debt help you need.

Howard Martell is the Owner of\silver . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Want Answers For Your Debt Consolidation Problems We Have Them

One of the best things you can do in terms of restoring your peace of mind is to improve your financial situation. Debt consolidation is one excellent way to reach this goal, but how exactly does it work? What is debt consolidation? The purpose of this article is to tell you just that. Look to see if a debt consolidation company’s counselors are qualified. Are they properly certified? Are they backed by a reputable company that will be there if something goes wrong? It’s vital to use a company that is reputable and has a history of satisfied customers. Make sure to ask about the debt consolidation company’s privacy policy before getting involved with them. What will they do to ensure your information is kept confidential? Get a copy of their privacy policy and read over it before making any decisions. If you spot something you do not like, move on to another company. Talk to friends, family and coworkers. You aren’t the only one with money problems, and chances are that someone you know already has some experience with debt consolidation. This is a great way for you to find a company you can trust, so that you can avoid using a less than reputable company. A non-profit debt consolidation agency is not necessarily a better option. Regardless of the status of your debt consolidation agency, contact the Better Business Bureau to make sure it is a legitimate business. If you find that some complaints have been filed or come across some bad reviews online, find another option. If you have a life insurance policy, you may could possibly borrow the money against your policy. Even though you are not required to pay back the amount, it is recommended that you do. Whatever amount you withdraw will be deducted from the final amount paid to your beneficiaries. If you make the decision to consolidate high interest debts such as credit card balances into a different obligation, do your absolute best not to begin racking up new debt until the consolidated amount is repaid. If you are doing nothing more than moving debts to different places while continuing to spend, you will not reap the benefits that debt consolidation really can provide. With the current low home mortgage interest rates, you may be able to refinance your home and take out some of the equity. Be careful to avoid borrowing as much as possible on your new mortgage. If home values should drop even more, you may end up owning a home that is less than the amount you owe on it. There is no harm in comparison shopping for consolidation loans. The fact is that some financial institutions, or friends and family, may offer you a better rate than others. Whether it is a line of credit, mortgage, credit card or loan, compare the interest rate and terms and figure out which is the best bet. Many of us struggle with our finances. It is easy to let debt spiral out of control, and gaining control can be difficult. Debt consolidation can make the process easier and can provide you with much needed peace of mind. It’s worked for thousands of people – try it and see if it works for you! Howard Martell is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Valuable Insight On Achieving Home-Business Success

Throughout your life, you will have ample opportunity to really do something special and stake your claim. Whether or not you decide to take advantage of the opportunities out there, is up to you. But if you want to start making something better for yourself, you should check out these home business tips and use them to build a solid career. Make sure you groom and dress for work, no matter where you are working. Developing this habit will help get you into a productive frame of mind at the start of each work session. It also means you will be ready to conduct business outside the house at a moment’s notice.

If you want to market something and you are not sure what, make it something you use. Selecting a product that will be successful involves thinking about people’s needs. If it would improve your life, it would probably improve the lives of many other people. Offer your different customers special incentives for taking the time to refer friends to your services. This type of marketing is the best for any business type. Incentives tend to boost loyalty from existing clients. Keep separate business checking accounts and business credit cards it makes it much easier to track money and you’ll surely appreciate that at tax time. If you are on a shoestring budget, keep meticulous records and your needs are simple (i.e. sole proprietor), this may be optional. Get final advice from a trusted Certified Public Accountant.

Check with your city hall or the city planning office to learn if there are any zoning regulations that will inhibit you from starting your home business. You may find yourself being ordered to cease operations down the road if you are breaking any of the zoning laws in the area. To make your business more visible, use the proven, successful methods of search engine optimization. SEO, or search engine optimization, can help you market your online business and build a better online presence. There are many professional guidelines for using SEO, and they can help you get started. You are likely going to need to get a domain name for your home business then you will be required to get a hosting account that is going to be reliable for you.

Shop around to learn as much as possible about the different hosts that are available to find the one that is going to work well. Whenever possible, use your business credit card. When you travel, eat out, and have other minor expenses, using your business credit card will keep cash in your hands and defer the payment. Using a credit card also helps to build miles or points on your card which can later be redeemed. Making a better life for you and the people you love, should be a top priority of anyone out there. A home business can help you to do just that, but it isn’t something you can do without any help at all. Make sure that you use this advice to help build your overall business plan. Here’s to your continued success in business!

Howard Martell is the Owner of\silver . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Top Tips For Getting The Most From A Payday Loan

When that winter chill begins to settle in, some people realize the hard way that they don’t have the funds necessary to keep their homes heated. They also may have trouble with fixing a car or some other kind of emergency they cannot pay for. You may be able to solve these problems with payday loans. Read the following article to learn all that you can about payday loans to see if they’re a good idea. Any company that is going to loan money to you should be researched.

Don’t simply pick a company because it "seems honest." Make sure you spend enough time researching the companies, especially check their rating with the BBB and read any online reviews about them. Stick to a reputable company which will give you some peace of mind. The standard time to pay back a payday loan is two weeks. Unexpected events come up in life and if you find that you are unable to pay your loan back by the time it is due, you do not have to fear that you will default. Most payday lenders will allow you to refinance the loan for another two weeks, but you will have to pay an extra fee each time you do this. Realize that you are giving the payday loan access to your personal banking information. That is great when you see the loan deposit! However, they will also be making withdrawals from your account. Make sure you feel comfortable with a company having that kind of access to your bank account. Know to expect that they will use that access. It is quite common for payday loan agencies to request information regarding your back account. If you do not supply your banking information you will most likely be turned down for the loan. Remember, you need to have the means to pay back the lender, that is the entire point of the loan.

The best way to handle payday loans is not to have to take them. Do your best to save a little money every week, so that you have something to fall back on in an emergency. If you can save the money for an emergency, you will eliminate the need for using a payday loan service. Do not allow a lender to talk you into using a new loan to pay off the balance of your previous debt. You will get stuck paying the fees on not just the first loan, but the second as well. They can quickly talk you into doing this time and time again until you pay them more than five times what you had initially borrowed in just fees. With luck, you now know some things about payday lending that you didn’t previously.

Put what you’ve learned here to good use. Do not make any hasty decisions as these loans can be quite expensive. Taking out a payday loan can be a good or bad decision; it all depends on your individual situation.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting-edge newsletter.