By Charles Cupoli January 28, 2008
I needed to raise my credit scores in order to work our real estate company and acquire the hard money loans necessary to operate. In the three months that this program needed to complete my credit report repair, my scores increased by 100 points. I can now get lower interest rates on my loans and save thousands in costs. I highly recommend this company to everyone. ...read more
By Charles Cupoli January 28, 2008
I needed to raise my credit scores in order to work our real estate company and acquire the hard money loans necessary to operate. In the three months that this program needed to complete my credit report repair, my scores increased by 100 points. I can now get lower interest ratesn on my loans and save thousands in costs. I highly recommend this company to everyone. ...read more
By Crystal Crolley March 13, 2007
This bank has the best and #1 customer service out of all the banks in the Columbia area. Reason being these tellers treat you like they know you, like they are your friends and neighbors (hence the "we're your bank and your neighbor" slogan). If there is a problem with anything they go way over due trying to help you, always going that extra step to make sure you are content and satisfied. And they have exquisite CD rates! ...read more
Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company. ...read more
By Consumer Credit Counseling Service 1-800-254-4100 April 28, 2011
Our service will PERMANENTLY remove: Bankruptcies Foreclosures Tax liens Civil liens Judgments Repossessions Charge-offs Medical bills Student loans Slow/no pay Inquiries Old and/or incorrect information Our clients come to us through word of mouth referrals from realtors, loan officers and finance managers. We work nationally to help clear up credit concerns. We average raising credit scores 120 to 200 points within 30 to 90 days. I look forward to hearing from you in the near future, you can contact me at 803-776-1163, with any questions you may have. We also offer Franchise Opportunities. Sincerely,Diana Ragan Cox– TW01647Credit Specialist803-776-1153 Office ...read more
By Trw Credit Repair Group - Columbia February 26, 2011
Our service will PERMANENTLY remove: bankruptcies foreclosures, tax liens, civil liens, judgments, repossessions, charge-off, medical bills, student loans, slow/no pay, inquiries and old incorrect information. Our clients come to us through word of mouth referrals from realtors, loan officers and finance managers. We work Nationally to help clear up credit concerns. I look forward to hearing from you in the near future. You can contact me at 803-776-1163, with any questions you may have. Sincerely, Diana Ragan Cox– TW01647 Credit Specialist Trw.dianacox@live.com 803-776-1153 Office 843-384-2580 Cell ...read more
By Trw Credit Repair Group - Columbia February 21, 2011
Not being able to pay your creditors due to job loss or other unforeseen circumstances can leave you feeling overwhelmed. Bill collectors will call you at all hours of the day attempting collect. A debt reduction service may be the answer for your situation, but there are scams that you will want to a... ...read more
Making sales these days is highly competitive and if you are not accepting charge and debit cards, you are missing out on sales. There are many different types of processing equipment deals as well as variables in merchant services. Learn how merchant services work and put them to use to make sales yo... ...read more