If you have ever wondered what is a credit report? what's on it? why should I car? and what the heck is the big deal with credit scores? Then this slide show is for you!
Las larvas de la mariposa Dione juno se alimentan de hojas de plantas como el guayabo y el mango. Tienen un color verde brillante que les permite camuflarse entre la vegetación para evadir a los depredadores. Estas orugas crecen hasta alcanzar una longitud de unos 3 centímetros antes de convertirse en pupas y luego emerger como mariposas adultas de color naranja y negro.
El documento describe varios fracasos tecnológicos notables como Apple Maps, Macintosh Portable, Power Mac G4 Cube, Nexus Q, Sega Dreamcast, Megaupload, Facebook Phone, AIBO de Sony y Windows Vista. Cada uno sufrió problemas significativos que llevaron a un fracaso comercial o técnico, pero sus lecciones ayudaron a mejorar el desarrollo tecnológico futuro.
Este documento resume varios grandes fracasos tecnológicos como Apple Maps, el Macintosh Portable, el Power Mac G4 Cube, Nexus Q, Sega Dreamcast, Megaupload, el teléfono Facebook y el perro robot Aibo de Sony. Muchos de estos productos fracasaron debido a errores en el diseño, precios excesivamente altos, tecnología demasiado avanzada para su época o falta de funcionalidad en comparación con productos competidores. El documento concluye que estos fracasos muestran cómo algunos dispositivos innov
BlackBerry's brand strength and stature declined significantly between 2011 and 2013. Specifically, BlackBerry experienced erosion in energized differentiation, relevance, and esteem over this period as it faced increasing competition in the smartphone market. Perceptions of BlackBerry weakened in areas like innovation, style, and coolness. BlackBerry now finds itself with a difficult challenge to compete against other smartphone brands that have stronger positions in the market.
Portafolio de servicios web llana calienteJavier Falcon
Este documento presenta una lista de servicios web y portales de cursos MOOC (Massive Open Online Course) disponibles en español. Describe brevemente cada plataforma, incluyendo UniMOOCAemprende, Coursera, UNE X, UNED COMA, Miríada X, y dos blogs de la Institución Educativa Miradores de Llana Caliente. El documento proporciona enlaces URL para acceder a cada recurso educativo en línea.
MEJORES DECISIONES ESTRATÉGICAS
SENSIBILIZACIÓN Y TOMA DE DECISIONES
Talleres para evaluar el inicio formal del pensamiento y planeación estratégicos.
1. Modelo de Negocio
2. Visión Compartida
3. Camino al éxito
No dejes de consultar las entregas 1 y 2 acerca de LEGO® Serious Play:
Entrega 1 de 2: Concepto, Aplicación y Valor Agregado
Entrega 2 de 2: Aplicaciones en Formación y Consultoría
El documento describe un test proyectivo llamado "Persona bajo la lluvia" que evalúa la imagen corporal de un individuo bajo condiciones estresantes. Explica cómo administrar el test, instruyendo al sujeto a dibujar una persona bajo la lluvia, e interpretar aspectos como las dimensiones, ubicación y trazos del dibujo para analizar rasgos de personalidad y defensas psicológicas. También analiza factores como la presión del trazo y elementos formales del dibujo para obtener información sobre la persona.
Las larvas de la mariposa Dione juno se alimentan de hojas de plantas como el guayabo y el mango. Tienen un color verde brillante que les permite camuflarse entre la vegetación para evadir a los depredadores. Estas orugas crecen hasta alcanzar una longitud de unos 3 centímetros antes de convertirse en pupas y luego emerger como mariposas adultas de color naranja y negro.
El documento describe varios fracasos tecnológicos notables como Apple Maps, Macintosh Portable, Power Mac G4 Cube, Nexus Q, Sega Dreamcast, Megaupload, Facebook Phone, AIBO de Sony y Windows Vista. Cada uno sufrió problemas significativos que llevaron a un fracaso comercial o técnico, pero sus lecciones ayudaron a mejorar el desarrollo tecnológico futuro.
Este documento resume varios grandes fracasos tecnológicos como Apple Maps, el Macintosh Portable, el Power Mac G4 Cube, Nexus Q, Sega Dreamcast, Megaupload, el teléfono Facebook y el perro robot Aibo de Sony. Muchos de estos productos fracasaron debido a errores en el diseño, precios excesivamente altos, tecnología demasiado avanzada para su época o falta de funcionalidad en comparación con productos competidores. El documento concluye que estos fracasos muestran cómo algunos dispositivos innov
BlackBerry's brand strength and stature declined significantly between 2011 and 2013. Specifically, BlackBerry experienced erosion in energized differentiation, relevance, and esteem over this period as it faced increasing competition in the smartphone market. Perceptions of BlackBerry weakened in areas like innovation, style, and coolness. BlackBerry now finds itself with a difficult challenge to compete against other smartphone brands that have stronger positions in the market.
Portafolio de servicios web llana calienteJavier Falcon
Este documento presenta una lista de servicios web y portales de cursos MOOC (Massive Open Online Course) disponibles en español. Describe brevemente cada plataforma, incluyendo UniMOOCAemprende, Coursera, UNE X, UNED COMA, Miríada X, y dos blogs de la Institución Educativa Miradores de Llana Caliente. El documento proporciona enlaces URL para acceder a cada recurso educativo en línea.
MEJORES DECISIONES ESTRATÉGICAS
SENSIBILIZACIÓN Y TOMA DE DECISIONES
Talleres para evaluar el inicio formal del pensamiento y planeación estratégicos.
1. Modelo de Negocio
2. Visión Compartida
3. Camino al éxito
No dejes de consultar las entregas 1 y 2 acerca de LEGO® Serious Play:
Entrega 1 de 2: Concepto, Aplicación y Valor Agregado
Entrega 2 de 2: Aplicaciones en Formación y Consultoría
El documento describe un test proyectivo llamado "Persona bajo la lluvia" que evalúa la imagen corporal de un individuo bajo condiciones estresantes. Explica cómo administrar el test, instruyendo al sujeto a dibujar una persona bajo la lluvia, e interpretar aspectos como las dimensiones, ubicación y trazos del dibujo para analizar rasgos de personalidad y defensas psicológicas. También analiza factores como la presión del trazo y elementos formales del dibujo para obtener información sobre la persona.
The company provides construction services such as building landscapes, parks, housing, restaurants, hotels, hospitals, and military bases. They also engage in piling works, concrete production, water and sewage infrastructure installation, renewable energy and power station construction, highways, bridges, irrigation canals, gas lines, and equipment supply. While the company offers a wide range of construction services, the owner does not plan to offer all services immediately due to expecting construction values to increase over time. The company is equipped to successfully complete domestic and international construction projects.
Este documento presenta una serie de los lugares más exóticos de la Tierra, incluyendo playas, ríos, jardines y acuarios notables por su belleza natural en países como México, Colombia, Emiratos Árabes Unidos, Canadá, China, Maldivas, Islas Fiji, Estados Unidos, Francia, Arizona, Japón, Brasil y Jamaica. El autor concluye habiendo mostrado una variedad de destinos exóticos globales y espera que los lectores hayan disfrutado aprendiendo sobre estos lugares únicos.
Working capital management involves managing a company's current assets and current liabilities efficiently. It aims to maximize short-term liquidity while maintaining optimal levels of components like inventory and receivables. The document discusses key aspects of working capital management including meaning, types, factors affecting it, and methods of estimating working capital requirements. It also covers management of specific working capital elements like inventory and receivables.
Tutorial Membuat Efek Salju di Adobe Photoshopfebbykania
Tutorial ini menjelaskan cara membuat efek salju di Adobe Photoshop dengan membuat layer baru dan menggunakan alat brush untuk menambahkan butiran salju putih diseluruh gambar.
Este documento proporciona una lista de 10 enlaces a recursos educativos en línea sobre el uso de las tecnologías de la información y la comunicación (TIC) en la educación. Los enlaces incluyen portafolios de servicios, frases celebres sobre educación, páginas con enlaces educativos, materiales sobre las funciones de las TIC en educación y resultados de investigación sobre cómo las TIC afectan el aprendizaje. El objetivo general es mostrar recursos que puedan ayudar a graduar estudiantes con grandes conocimientos
Este documento presenta algunos de los lugares más exóticos del mundo, incluyendo playas ocultas en México, un río de cinco colores en Colombia, un acuario submarino en las Islas Fiji y jardines espectaculares en Canadá y China. El autor concluye habiendo aprendido sobre la biodiversidad y ecosistemas de estos lugares únicos.
El documento describe la evolución de la administración a través de la historia. Comenzó como una actividad necesaria para la supervivencia humana y la organización social, y se desarrolló en diferentes civilizaciones antiguas como los sumerios, egipcios y romanos. A finales del siglo XIX, la administración emergió como un campo de estudio con las contribuciones de teóricos como Fayol, quien propuso catorce principios de administración. En el siglo XX, las escuelas conductista, de la ciencia de la administración
Este documento presenta resúmenes de varios lugares exóticos y maravillosos del mundo, incluyendo playas, ríos, acuarios, jardines y cascadas en países como México, Colombia, Emiratos Árabes Unidos, Canadá, China, Argentina, Fiji, Estados Unidos, Francia, Brasil, Japón y China. El documento concluye que se han conocido diferentes lugares exóticos del mundo a través de esta presentación.
Durch Illustrationen lassen sich Inhalte oft treffender darstellen. Außerdem heben Sie sich von Ihren Mitbewerbern deutlicher ab.
Dabei gibt es zahllose Stile, unter denen Sie wählen können, um dem Bild Ihrer Marke zu entsprechen.
Viel Spaß bei einem kleinen Ausflug in die illustrierte Werbung.
fourofakind
D-Marin Marinas Group announced a new World Program with three annual membership options - Passenger, Explorer, and Conqueror - that provide benefits across their 10 marinas in Turkey, Greece, and Croatia. The Passenger program allows members to stay up to 30 days at other D-Marin marinas without fees. The Explorer program creates customized annual berthing packages across multiple marinas. The Conqueror program provides unlimited flexibility to berth at any D-Marin marina without extra fees or advance planning. The programs aim to give members freedom to cruise the Eastern Mediterranean while enjoying privileges across D-Marin's network of nearly 9,000 berths.
5 Essential Tips for Creating An Effective BYOD PolicyKaseya
Bring Your Own Device (BYOD) policies are a critical component of leading companies’ IT offerings today, giving employees the freedom and satisfaction of working on the devices that they prefer. Organizations implementing BYOD require a means of ensuring corporate control and security of enterprise data and applications, without controlling users’ personal use of devices or the personal data on them.
Join this highly informative webinar where Research Director, Steve Brasen of analyst firm Enterprise Management Associates (EMA), and Mobility expert Jonathan Foulkes of Kaseya will share their experience and knowledge on how you find the balance between employee freedom and corporate security and the key elements that can help organizations achieve the right BYOD strategy.
Attend this webinar, and you’ll walk away with essential tips in the following areas:
1. Keeping corporate data secure in a BYOD model
2. Drawing the line between managing the data and the device
3. How your policy choices affect user productivity and acceptance of BYOD
4. How to reduce the effort and cost of BYOD management
5. Creating business value through BYOD
How to Talk & Sell SEO in the BoardroomAlan K'necht
In this presentation from SES Chicago 2013, an approach to how to sell both internally or externally Search Engine Optimization (SEO) services is presented. The key take away is don't over sell it & present the opportunity in the right way.
Introdução ao Gerenciamento de Projetos com MS ProjectCarolina Satim
Este Workshop apresentará os conceitos básicos de gerenciamento de Projetos utilizando o Modelo PMBOK do PMI. O foco se dará na área de conhecimento Gerenciamento de TEMPO, e em como utilizar o software MS Project como ferramenta de apoio nos processos "Desenvolver o Cronograma" e "Controlar o Cronograma".
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
This presentation includes basic of PCOS their pathology and treatment and also Ayurveda correlation of PCOS and Ayurvedic line of treatment mentioned in classics.
The company provides construction services such as building landscapes, parks, housing, restaurants, hotels, hospitals, and military bases. They also engage in piling works, concrete production, water and sewage infrastructure installation, renewable energy and power station construction, highways, bridges, irrigation canals, gas lines, and equipment supply. While the company offers a wide range of construction services, the owner does not plan to offer all services immediately due to expecting construction values to increase over time. The company is equipped to successfully complete domestic and international construction projects.
Este documento presenta una serie de los lugares más exóticos de la Tierra, incluyendo playas, ríos, jardines y acuarios notables por su belleza natural en países como México, Colombia, Emiratos Árabes Unidos, Canadá, China, Maldivas, Islas Fiji, Estados Unidos, Francia, Arizona, Japón, Brasil y Jamaica. El autor concluye habiendo mostrado una variedad de destinos exóticos globales y espera que los lectores hayan disfrutado aprendiendo sobre estos lugares únicos.
Working capital management involves managing a company's current assets and current liabilities efficiently. It aims to maximize short-term liquidity while maintaining optimal levels of components like inventory and receivables. The document discusses key aspects of working capital management including meaning, types, factors affecting it, and methods of estimating working capital requirements. It also covers management of specific working capital elements like inventory and receivables.
Tutorial Membuat Efek Salju di Adobe Photoshopfebbykania
Tutorial ini menjelaskan cara membuat efek salju di Adobe Photoshop dengan membuat layer baru dan menggunakan alat brush untuk menambahkan butiran salju putih diseluruh gambar.
Este documento proporciona una lista de 10 enlaces a recursos educativos en línea sobre el uso de las tecnologías de la información y la comunicación (TIC) en la educación. Los enlaces incluyen portafolios de servicios, frases celebres sobre educación, páginas con enlaces educativos, materiales sobre las funciones de las TIC en educación y resultados de investigación sobre cómo las TIC afectan el aprendizaje. El objetivo general es mostrar recursos que puedan ayudar a graduar estudiantes con grandes conocimientos
Este documento presenta algunos de los lugares más exóticos del mundo, incluyendo playas ocultas en México, un río de cinco colores en Colombia, un acuario submarino en las Islas Fiji y jardines espectaculares en Canadá y China. El autor concluye habiendo aprendido sobre la biodiversidad y ecosistemas de estos lugares únicos.
El documento describe la evolución de la administración a través de la historia. Comenzó como una actividad necesaria para la supervivencia humana y la organización social, y se desarrolló en diferentes civilizaciones antiguas como los sumerios, egipcios y romanos. A finales del siglo XIX, la administración emergió como un campo de estudio con las contribuciones de teóricos como Fayol, quien propuso catorce principios de administración. En el siglo XX, las escuelas conductista, de la ciencia de la administración
Este documento presenta resúmenes de varios lugares exóticos y maravillosos del mundo, incluyendo playas, ríos, acuarios, jardines y cascadas en países como México, Colombia, Emiratos Árabes Unidos, Canadá, China, Argentina, Fiji, Estados Unidos, Francia, Brasil, Japón y China. El documento concluye que se han conocido diferentes lugares exóticos del mundo a través de esta presentación.
Durch Illustrationen lassen sich Inhalte oft treffender darstellen. Außerdem heben Sie sich von Ihren Mitbewerbern deutlicher ab.
Dabei gibt es zahllose Stile, unter denen Sie wählen können, um dem Bild Ihrer Marke zu entsprechen.
Viel Spaß bei einem kleinen Ausflug in die illustrierte Werbung.
fourofakind
D-Marin Marinas Group announced a new World Program with three annual membership options - Passenger, Explorer, and Conqueror - that provide benefits across their 10 marinas in Turkey, Greece, and Croatia. The Passenger program allows members to stay up to 30 days at other D-Marin marinas without fees. The Explorer program creates customized annual berthing packages across multiple marinas. The Conqueror program provides unlimited flexibility to berth at any D-Marin marina without extra fees or advance planning. The programs aim to give members freedom to cruise the Eastern Mediterranean while enjoying privileges across D-Marin's network of nearly 9,000 berths.
5 Essential Tips for Creating An Effective BYOD PolicyKaseya
Bring Your Own Device (BYOD) policies are a critical component of leading companies’ IT offerings today, giving employees the freedom and satisfaction of working on the devices that they prefer. Organizations implementing BYOD require a means of ensuring corporate control and security of enterprise data and applications, without controlling users’ personal use of devices or the personal data on them.
Join this highly informative webinar where Research Director, Steve Brasen of analyst firm Enterprise Management Associates (EMA), and Mobility expert Jonathan Foulkes of Kaseya will share their experience and knowledge on how you find the balance between employee freedom and corporate security and the key elements that can help organizations achieve the right BYOD strategy.
Attend this webinar, and you’ll walk away with essential tips in the following areas:
1. Keeping corporate data secure in a BYOD model
2. Drawing the line between managing the data and the device
3. How your policy choices affect user productivity and acceptance of BYOD
4. How to reduce the effort and cost of BYOD management
5. Creating business value through BYOD
How to Talk & Sell SEO in the BoardroomAlan K'necht
In this presentation from SES Chicago 2013, an approach to how to sell both internally or externally Search Engine Optimization (SEO) services is presented. The key take away is don't over sell it & present the opportunity in the right way.
Introdução ao Gerenciamento de Projetos com MS ProjectCarolina Satim
Este Workshop apresentará os conceitos básicos de gerenciamento de Projetos utilizando o Modelo PMBOK do PMI. O foco se dará na área de conhecimento Gerenciamento de TEMPO, e em como utilizar o software MS Project como ferramenta de apoio nos processos "Desenvolver o Cronograma" e "Controlar o Cronograma".
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
This presentation includes basic of PCOS their pathology and treatment and also Ayurveda correlation of PCOS and Ayurvedic line of treatment mentioned in classics.
हिंदी वर्णमाला पीपीटी, hindi alphabet PPT presentation, hindi varnamala PPT, Hindi Varnamala pdf, हिंदी स्वर, हिंदी व्यंजन, sikhiye hindi varnmala, dr. mulla adam ali, hindi language and literature, hindi alphabet with drawing, hindi alphabet pdf, hindi varnamala for childrens, hindi language, hindi varnamala practice for kids, https://www.drmullaadamali.com
This slide is special for master students (MIBS & MIFB) in UUM. Also useful for readers who are interested in the topic of contemporary Islamic banking.
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
Walmart Business+ and Spark Good for Nonprofits.pdfTechSoup
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
Beyond Degrees - Empowering the Workforce in the Context of Skills-First.pptxEduSkills OECD
Iván Bornacelly, Policy Analyst at the OECD Centre for Skills, OECD, presents at the webinar 'Tackling job market gaps with a skills-first approach' on 12 June 2024
A workshop hosted by the South African Journal of Science aimed at postgraduate students and early career researchers with little or no experience in writing and publishing journal articles.
2. WHAT IS BELNAP & FORBES, PLLC?
We are a consumer advocacy law firm in Tempe, AZ.
We practice in consumer debt & credit issues like:
•
Debt Settlement
•
Targeted Credit Repair, Restoration & Enhancement
•
Credit Counseling
•
FCRA & FDCPA Litigation
We are attorneys but we want:
•
To change the way you think about attorneys;
•
To make complicated things, simple;
•
To be efficient and cost-effective.
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
3. WHAT YOU SHOULD KNOW ABOUT BELNAP & FORBES
Who are we?
Rochelle Belnap & Chris Forbes
What we do?
We both practice in consumer debt and credit
issues
Where did we meet?
We met in law school and have been best
friends ever since.
When did we start our practice?
In February 2012
Why and How did we get into this area of
law?
The $50,000 Mistake
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
4. TODAY’S TOPICS
•
•
What information is on a credit report?
•
Where does a credit report come from ?
•
Where can I get a credit report (for free)?
•
What is the big deal with Credit Scores?
•
The High Cost of Bad Credit
•
What Matters to Your Credit Score?
•
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
What is a consumer credit report?
Where is the law in Credit Reporting?
WWW.BELNAPFORBES.COM
5. WHAT IS A CONSUMER CREDIT REPORT?
Different types of credit reports that serve
different purposes:
•
Business transactions like loans, credit cards;
or
•
Personal transactions like check cashing,
opening a bank account, and renting or
leasing real estate.
What is a credit report?
A compilation of financial and personal
information about an individual provided to an
entity for the purpose of evaluating the
individual’s risk of default aka “credit worthiness”
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
6. WHAT INFORMATION IS ON A CREDIT REPORT?
Personal Information
•
Name(s)
•
Addresses
•
Date of Birth
•
Social Security Number
•
Place of Employment
•
Income
Make sure this is correct to protect you
against Identity Theft & Mixed File Issues!
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
7. WHAT INFORMATION IS ON A CREDIT REPORT?
Current & Past Financial Liability
aka Trade Lines, Accounts, etc.
•
Credit Cards
•
Mortgages
•
Car loans
•
Student Loans
•
Lines of Credit
What is usually not reported
•
Collection accounts
•
Leases for real estate
•
Utilities
•
Debit cards
•
Phone Bills
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
8. WHAT INFORMATION IS ON A CREDIT REPORT?
Public Records
•
Judgments
•
Bankruptcy Filings
•
Tax Liens
It is important to make sure
this information is yours, and
that you resolve the
underlying financial liability.
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
9. WHAT INFORMATION IS ON A CREDIT REPORT?
Credit Inquires
Soft Pulls = Don’t hurt your credit
• When you pull your credit
• Account Reviews
• Promotional Inquiries
Hard Pulls = Can hurt your credit
• When you apply for credit
How long? 2 years
How much? It depends
The shopping rule
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
10. WHAT INFORMATION IS ON A CREDIT REPORT?
Credit Scores!
More on that later!
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
11. WHERE DOES A CREDIT REPORT COME FROM?
Credit Vendors
Get information from the Credit bureaus
and sell credit reports
• Equifax, Experian, Transunion
• Others like CBC Innovis
Data Furnishers aka Subscribers
Report information about you to the
Credit Bureaus
• Creditors
• Debt Collectors
• other Data Basis (like Lexis Nexis
for Public Records)
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
Credit Bureaus
Compile data about you from
Data Furnishers
• Equifax
• Experian
• Transunion
WWW.BELNAPFORBES.COM
12. WHERE CAN I GET A CREDIT REPORT?
Many companies will sell you a credit report
but…
•
Watch out for monthly credit monitoring fees
•
When companies advertise as “free”
The Law
People are entitled to a FREE copy of their credit
report, annually, from all 3 credit bureaus
through www.annualcreditreport.com
Probably not FICO scores.
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
13. CREDIT SCORES: FICO V. FAKO
How low and how high can my credit score be?
It depends on the type of score and who you are
getting it from.
FAKO Scores
FICO Scores
Transunion 501 to 990
300 to 850
Equifax 280 to 850
680+ Good
Experian 395 to 858
750+ Awesome
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
Source:
http://www.myfico.com/credit
education/whatsinyourscore.a
spx
WWW.BELNAPFORBES.COM
14. WHY DO CREDIT SCORES MATTER?
The High Cost of Bad Credit
•
Higher Security Deposits
•
Higher Interest Rates
•
Higher Down Payments
•
Denied Financing
•
May fail Security Checks
•
Denied a job or a promotion or even fired
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
15. WHAT MATTERS TO YOUR CREDIT SCORE?
No credit can be bad credit!
What hurts your credit?
Types of Credit
•
Closing accounts
•
Revolving (Credit Cards)
•
Inactive accounts
•
Installment (Loans)
•
Maxing out accounts
•
Mortgages
•
Collection Account
Payment History
•
Public Records
•
Pretty much everything, lol.
•
Pay your bills on time!
Length of Payment History Matters
•
Keep your oldest accounts
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
16. WHY IS A LAW FIRM TALKING ABOUT CREDIT?
The Law is EVERYWHERE!!!
We help people when they have bad credit, need to improve their credit, or they have
errors on their credit report. Why?
•
Every account on your credit report is governed by multiple bodies of state and
federal law! Examples: Credit Cards, Cars, Mortgages, Vehicle Repossessions
•
Errors Happen: 40 Million Mistakes + The $50k mistake
•
Errors are hard to fix: 60 Minutes
•
People don’t know enough about credit reporting so we want to educate.
Belnap & Forbes, PLLC
700 E. Baseline Rd. Ste. C-3
Tempe, AZ 85283
(480) 907-6088
attorney@belnapforbes.com
WWW.BELNAPFORBES.COM
17. Special Offer:
Have credit reporting problems? Want help? Free
Consult + 10% off our legal services if you complete
your consultation by November 22, 2013.
Schedule Now.
Presenter:
ROCHELLE N. BELNAP,
Attorney at Law
Happy Hour & Workshop!
Bring you credit report!
November 2013
RSVP
We are on
www.Facebook.com/belnapforbespllc
www.BelnapForbes.com
Plus Stay Calm & Read My Blog here
Coming Soon:
Introducing our DIY Credit
Repair Kit to give you the best
shot without hiring us. On sale
November 18, 2013.