| REVEAL GUARDED SECRETS OF AMERICAN CREDIT SYSTEM. WELCOME TO ANTONY'S CREDIT REPAIR CLINIC AND HELP YOURSELF WITH THE CLINIC'S INSTRUCTIONS, GUIDANCE AND YOUR CREDIT SICKNESS SHOULD BE CURED WITHOUT HAVING A SO CALLED CREDIT DOCTOR TO INTERROGATE YOU AND RIP YOU OFF. THIS CLINIC IS A SELF SERVICE CENTER. ----------------------------------- I LOVE TO REVEAL THE SECRETS OF THE CREDIT SYSTEM SO PEOPLE LIKE YOU AND I CAN GAIN A FAIR ADVANTAGE IN THE FINANCIAL WORLD. IT IS VERY REWARDING MORE IMPORTANTLY, I CHERISH THE LETTERS I RECEIVED FROM ORDINARY PEOPLE WHO HAVE BEEN ABLE TO TURN THEIR LIVES AROUND BY GETTING APPROVED FOR CREDIT CARDS, MORTGAGE LOANS, AND BUSINESS LOANS THEY NEVER THOUGHT THEY COULD. ----------------------------- LETS FACE IT. MOST OF US HAVE SOME CREDIT IMPERFECTNESS IN THE PAST, BUT DON'T LET IT GET YOU DOWN, YOU HAVE WHAT IT TAKES TO LEARN EVERY SECRET I WILL SHARE WITH YOU. ----------------------------------------- MOST COMMON CREDIT TYPES: THE THREE MOST COMMON CREDIT TYPES ARE: OPEN CREDIT--- LIKE LIGHT BILL, PHONE BILL, LEASE AGREEMENT. THIS BASICALLY PAY IN FULL MOST LIKELY MONTHLY. --------------------------------------------------------------------------------------------------------- ----------------------------- INSTALLMENT CREDIT---- LIKE MORTGAGE LOANS, PERSONAL LOANS, STUDENT LOANS. USUALLY THIS KIND ARE LONG TERM CREDIT. --------------------------------------------------------------------------------------------------------- --------------------------------------------- REVOLVING CREDIT LIKE CREDIT CARDS, CREDIT LINES. THIS TYPE CAN BE TAKEN BY CORPORATION AND INDIVIDUALS WITH AN AGREEMENT THAT GUARANTEES A MAXIMUM AMOUNT THAT CAN BE LENT ALONG WITH THE COMMITMENT FEE AND INTEREST. --------------------------------------------------------------------------------------------------------- --------------------------------------------- STEPS IN CREDIT SITUATION: By law every US citizen has the right to obtain a free credit report once a year or if you have been denied credit, you have the right to order a copy of your reports at no cost to you. Based on the information you find there, you will need to decide how to best approach to raising your scores as high as possible, fixing mistakes, correcting errors, removing inaccurate information or even doing certain other actions. Without the report you won't know what to do. ----------------------------------- KNOWLEDGEFINANCIAL.COM STEPS, when you late on credit cards, call the creditors to negotiate payments. Bad reports left on your accounts for more than 7 years can be and should be removed. ALL THE CREDIT REPORTING AGENCIES. ------------------------------------- STUDENT'S LOANS As long as you're going to school as a full time student; you should not have bad report on your accounts for student's loans. If this is the case call to dispute and send a copy of your current schedule to the creditors. ---------------------------------- REMOVED & BACK IN REPORTS When removing in dispute a bad report from your accounts; this can be back again in your reports, if you reapply again immediately for credit with the same creditor. The credit company can merge your old account with the new account.- ------------------------------------- NEGOTIATING WITH CREDITORS AND COLLECTION AGENCIES. BY LAW CREDITORS MUST BE ABLE TO PROVE THE ACCURACY OF WHAT YOU ARE DISPUTING WITHIN 30 DAYS. IF THEY DON'T, IT SIMPLY IS REMOVED FROM YOUR REPORTS. ------------------------------- IF YOU HAVE EVIDENCE THAT SOMETHING IS WRONG, THEN SUBMIT THE EVIDENCE WITH THE DISPUTE FORM AND THEY WILL HAVE TO REMOVE THE INACCURATE DATA WITHIN 30 DAYS OR PROVE THAT IT'S ACCURATE. ------------------------------- IF YOU HAVE ANY ACCOUNTS IN COLLECTION OR THAT ARE VERY PAST DUE ON YOUR CREDIT REPORT, IF THE COLLECTION AGENCY ALREADY HAD THE DEBT, THEN DEAL WITH THEM AND DO NOT BOTHER CALLING THE ORIGINAL CREDITOR. --------------------------------- INCREASE YOUR CREDIT SCORE IF YOU HAVE A PARTNER/SPOUSE, RELATIVE, OR FRIEND WITH GREAT CREDIT HISTORY, HAVE THEM ADD YOU TO THEIR CREDIT CARD. THIS WORKS FINE, VERY WELL SINCE YOU WILL GET CREDIT FROM THEIR BILL PAYMENTS, AND THIS WILL CREATE MORE POSITIVE CREDIT HISTORY FOR YOU. KNOWLEDGEFINANCIAL.COM |
REAL ESTATE FINANCING, MORTGAGE LOANS PRE-QUALIFICATION .COMPETITIVE RATES, THE LOWEST RATE POSSIBLE. VISION MORTGAGE BANK-Mr ANTONY 786-709-6577 {FLORIDA} HOME PURCHASING, HOME REFINANCING, HOME EQUITY. BETTER RATES, BETTER SAVING, & LESS FEES,GREAT SATISFACTION. ------------------------------------------------------------------------------------------------------------------------------------------------------- THE ROAD TO HOME OWNERSHIP: The road to home ownership is just one of the many services we have to help future home buyers to improve their credit profile so that the American dream of home ownership can become a reality! Our web assistance provides: Specific tactics to improve your credit score. We want you to fully understand the real estate financing, mortgage & loan concept; everything that you need to know to make an informed decision is presenting to you by an experience professional in the mortgage industry. With vision mortgage bank, a personal mortgage advisor will walk you through the entire process and explain to you from A to Z what you need to know, and what information to provide to the lender to make sure you get the saving you deserve. CONTACT: Mr. ANTONY AT 786-709-6577 {STATE OF FLORIDA} ----------------------------------------------------------- HOME LOANS: Purchase a home, getting a home loan is one of the most important decision in your lifetime. That's why it's imperative to get the very best mortgage information possible, also the best mortgage rate program available in the market. By doing so,could literally save you thousands of dollar in the long run! We at knowledge financial group, we have experienced, loyal loan officers who work hard to ensure that you know where, who, how, and what to do to obtain the best mortgage service, each day and everyday. You're in the market to save money, look no further. PRE-QUALIFICATION You should get yourself prequalified for a mortgage loan by a competent & experienced mortgage loan officer or lenders before you begin shopping for a home. Most sellers will not take you seriously as a potential buyer unless you you're preappoved. PREAPPROVAL lets sellers know that that the bank, or the lending institution has agreed in principle to approve your mortgage loan. And this put you as a prospective investor in better position to negotiate and obtain better deals, better discount, better advantage for the future. Officers at VISION MORTGAGE BANK. WE'RE DOING JUST THAT GET PEOPLE TO PREQUALIFY FIRST AND HELP THEM GET THEIR HOMES, HELP THEM TO REFINANCE, HELP THEM CASH OUT HOME EQUITY!----CALL: 786-709-6577--SOUTH FLORIDA DEBT CONSOLIDATION, HOME IMPROVEMENT. HELP IS AVAILABLE! |
CREDIT MONITORING SERVICES -------- KNOWLEDGEFINANCIAL.COM
Costly credit-monitoring services offer limited fraud protection
You can guard against identity theft better by taking other steps
Over the last three years, some 49 million Americans were told that their personal information was lost, stolen, or
improperly disclosed by government agencies, banks, or various other companies, according to a recent survey by
Harris Interactive. Although most respondents said that nothing happened as a consequence, 19 percent reported that
the breaches led to unauthorized credit-card charges, bank-account losses, or other forms of identity fraud.
The solution, say the nation's three major credit bureaus, is credit monitoring. For $60 to $180 a year, Equifax,
Experian, and TransUnion claim they'll protect you from identity theft by regularly watching for changes in your credit
report. About 24 million customers have signed up, according to Javelin Strategy and Research, a California-based
company. Unfortunately, our analysis shows that as currently designed, such services are often overrated, oversold,
and overpriced.
Credit monitoring is sold by stoking consumers' fear of fraud. The hardest push is reserved for those who have already
been victims of data-security breaches. Prior victims are more likely to buy monitoring services than nonvictims,
making them prime marketing targets, says Mary Monahan, a partner at Javelin.
Equifax says that "monitoring your credit reports for changes is one of the best ways to protect yourself from identity
theft." But that's not the whole story. Fact is, credit-report monitoring watches only one window through which an ID
thief may escape with your good name.
A newer type of service, ID fraud prevention and detection, keeps an eye on other windows by trawling Internet chat
rooms and directories and by sifting through online public records for signs of Social Security number fraud, stolen
credit-card account trafficking, and other types of ID theft. Some of these services also come with limited credit-report
monitoring. These ID fraud prevention and detection services are too new for us to properly assess now, but a recent
report by the Gartner Group, a Connecticut-based consulting firm, predicts that they may "overtake credit-report
monitoring as an effective identity-theft tool by year-end 2009." That's further indication of the limited nature of credit
monitoring.
Neither the Federal Trade Commission nor consumer groups including Consumers Union, the Identity Theft Resource
Center, and the Privacy Rights Clearing House recommend or endorse credit-monitoring services. If you're tempted to
sign up, however, you should know that credit-bureau monitoring services have the following limitations.
There's no protection against theft of your Social Security number. You may think that every person's credit information
is solidly anchored to a universal identifier--a Social Security number (SSN)--so that credit-file data about the Visa
cards of Mary Smith living in Peoria, Ill., won't get mixed up with those of all the other Mary Smiths around the country.
You might also assume that Peoria's Smith can keep tabs on who's using her SSN by checking her credit report.
In fact, says Melody Millett, a database analyst in Overland Park, Kan., "I can apply for a credit card tomorrow using
my name and your Social Security number, and you won't learn about the new account from your credit report." That's
because credit data with your SSN on it may not be automatically routed to your credit-bureau file in a timely way. For
that reason, a credit-monitoring service won't pick up on and alert you to a fraudulent account like the one Millett
describes.
Steven's SSN to obtain credit and employment since at least 1989.
Steven's SSN to obtain credit and employment since at least 1989.
WWW.KNOWLEDGEFINANCIAL.COM
Other people can use your SSN to obtain credit because of a credit-bureau practice of creating "temporary fragmented
files" when creditors file account information with your SSN but with a different name, address, and date of birth,
according to a 2004 Federal Trade Commission report. Bureaus hope to later link the odd data in the separate file with
the correct credit file using "matching algorithms" and other information. For example, a mismatch might occur when a
woman changes her name because of marriage, which would become obvious by further name updates.
That doesn't explain why the bureaus didn't flag the fraudulent use of Millett's SSN. As it turns out, if enough new data
come in with an SSN that matches the thief's name and address, the credit bureaus effectively give the new identity
their blessing and proceed to sell the fraudulent information to prospective creditors.
As long as the credit bureaus keep your credit file separate from that of the ID thief, your credit report and monitoring
service will never pick up the new accounts. But credit-bureau computers constantly work to match the two files, and
when they do, you get penalized for the thief's history. Files can also become mixed when a collection agency comes
after you for the bad guy's bad accounts.
Credit bureaus' monitoring services do not alert consumers to others who may be using their SSNs. "Experian has no
way to establish ownership of a Social Security number, as the Social Security Administration will not provide that
type of validation," says Donald Gerard, an Experian spokesman. "Therefore, we would be unable to determine
fraudulent use of one's Social Security number."
Although they may not know the rightful owner of a particular SSN, Experian and TransUnion do sell lists of names that
use the same numbers to collection agencies and other businesses in their "Social Search" and "TRACE" products.
The Milletts, meanwhile, have spent more than $12,000 in legal fees plus countless hours trying to correct their credit
record. They can't get credit, have been shut out of low- and zero-rate financing opportunities, and have been paying
$400 more a year for homeowners insurance because of their damaged credit.
And when creditors began relabeling the ID thief's fraudulent accounts in Steven's name and address, "none of the
credit-monitoring products we bought caught it," says Melody. "I've had Credit Manager from Experian, True Credit
from TransUnion, and Credit Watch from Equifax." She adds that there was never any notification that Steven might be
a victim of identity theft. All three credit bureaus declined to comment on the case.
A spokesman for PrivacyGuard, a credit-monitoring service offered by the Affinion Group, based in Connecticut, told
us that the service monitors fragmented files and use of your SSN by others. But we couldn't find any such claim in
PrivacyGuard's Web marketing material, press releases, or terms and conditions document. The Affinion Group does,
however, claim to provide such tracking with its new fraud prevention and detection service, ID Secure.
Gaps in monitoring and notification leave you exposed. Even if you ignore that first glaring flaw, for a credit-monitoring
service to truly protect you, it needs to cover as many information sources as possible. But when we assessed 16
credit-monitoring services, we found 8 that monitor the credit reports at only one of the three major credit bureaus.
That is incomplete coverage because creditors do not always report to all three credit bureaus.
Equifax's Credit Watch Silver, Gold, Gold Family, and Score Watch; Experian's Credit Manager and CreditCheck
Monitoring (sold through certain websites. TransUnion's Credit Monitoring; and Identity Guard's Credit Protect provide
only one-bureau coverage.
Another big hole in the safety net involves the kind of credit-report activity that prompts an alert and how quickly the
notice goes out. Some products don't alert you to sudden activity in dormant accounts, unexpected increases in
balance levels, changes in existing accounts, or the appearance of a negative public record. And while most do offer
alerts about such changes daily or within a day of changes, Equifax's budget Credit Watch Silver takes as long as a
week to report a change.
Another serious concern: Built-in delays and deficiencies in how credit information is reported means that it may take
a creditor 60 days or more to report a new fraudulent account.
ID theft insurance might prove worthless. Most of the credit-monitoring products that we examined also provide what
might seem like a comforting offer: identity-theft insurance that reimburses you for lost wages for time taken off work to
deal with fraud; notary and certified-mail costs; long-distance calls to report or deal with a fraud; and even legal fees
(with prior approval of the insurer) for defense in collections, removal of erroneous civil judgments, and challenging
information on your credit report.
But scrutinize the terms of coverage for loopholes. For example, some insurers exclude coverage for losses that
occurred prior to your purchase of the product. It can take months or years for ID theft to be discovered. So if a thief
opened a fraudulent account in your name two years ago, you bought monitoring one year ago, and you don't discover
the crime until next year when a collection agency hunts you down, your insurance protection and payout might be zero
with some policies
Costly credit-monitoring services offer limited fraud protection
You can guard against identity theft better by taking other steps
Over the last three years, some 49 million Americans were told that their personal information was lost, stolen, or
improperly disclosed by government agencies, banks, or various other companies, according to a recent survey by
Harris Interactive. Although most respondents said that nothing happened as a consequence, 19 percent reported that
the breaches led to unauthorized credit-card charges, bank-account losses, or other forms of identity fraud.
The solution, say the nation's three major credit bureaus, is credit monitoring. For $60 to $180 a year, Equifax,
Experian, and TransUnion claim they'll protect you from identity theft by regularly watching for changes in your credit
report. About 24 million customers have signed up, according to Javelin Strategy and Research, a California-based
company. Unfortunately, our analysis shows that as currently designed, such services are often overrated, oversold,
and overpriced.
Credit monitoring is sold by stoking consumers' fear of fraud. The hardest push is reserved for those who have already
been victims of data-security breaches. Prior victims are more likely to buy monitoring services than nonvictims,
making them prime marketing targets, says Mary Monahan, a partner at Javelin.
Equifax says that "monitoring your credit reports for changes is one of the best ways to protect yourself from identity
theft." But that's not the whole story. Fact is, credit-report monitoring watches only one window through which an ID
thief may escape with your good name.
A newer type of service, ID fraud prevention and detection, keeps an eye on other windows by trawling Internet chat
rooms and directories and by sifting through online public records for signs of Social Security number fraud, stolen
credit-card account trafficking, and other types of ID theft. Some of these services also come with limited credit-report
monitoring. These ID fraud prevention and detection services are too new for us to properly assess now, but a recent
report by the Gartner Group, a Connecticut-based consulting firm, predicts that they may "overtake credit-report
monitoring as an effective identity-theft tool by year-end 2009." That's further indication of the limited nature of credit
monitoring.
Neither the Federal Trade Commission nor consumer groups including Consumers Union, the Identity Theft Resource
Center, and the Privacy Rights Clearing House recommend or endorse credit-monitoring services. If you're tempted to
sign up, however, you should know that credit-bureau monitoring services have the following limitations.
There's no protection against theft of your Social Security number. You may think that every person's credit information
is solidly anchored to a universal identifier--a Social Security number (SSN)--so that credit-file data about the Visa
cards of Mary Smith living in Peoria, Ill., won't get mixed up with those of all the other Mary Smiths around the country.
You might also assume that Peoria's Smith can keep tabs on who's using her SSN by checking her credit report.
In fact, says Melody Millett, a database analyst in Overland Park, Kan., "I can apply for a credit card tomorrow using
my name and your Social Security number, and you won't learn about the new account from your credit report." That's
because credit data with your SSN on it may not be automatically routed to your credit-bureau file in a timely way. For
that reason, a credit-monitoring service won't pick up on and alert you to a fraudulent account like the one Millett
describes.
Steven's SSN to obtain credit and employment since at least 1989.
Steven's SSN to obtain credit and employment since at least 1989.
WWW.KNOWLEDGEFINANCIAL.COM
Other people can use your SSN to obtain credit because of a credit-bureau practice of creating "temporary fragmented
files" when creditors file account information with your SSN but with a different name, address, and date of birth,
according to a 2004 Federal Trade Commission report. Bureaus hope to later link the odd data in the separate file with
the correct credit file using "matching algorithms" and other information. For example, a mismatch might occur when a
woman changes her name because of marriage, which would become obvious by further name updates.
That doesn't explain why the bureaus didn't flag the fraudulent use of Millett's SSN. As it turns out, if enough new data
come in with an SSN that matches the thief's name and address, the credit bureaus effectively give the new identity
their blessing and proceed to sell the fraudulent information to prospective creditors.
As long as the credit bureaus keep your credit file separate from that of the ID thief, your credit report and monitoring
service will never pick up the new accounts. But credit-bureau computers constantly work to match the two files, and
when they do, you get penalized for the thief's history. Files can also become mixed when a collection agency comes
after you for the bad guy's bad accounts.
Credit bureaus' monitoring services do not alert consumers to others who may be using their SSNs. "Experian has no
way to establish ownership of a Social Security number, as the Social Security Administration will not provide that
type of validation," says Donald Gerard, an Experian spokesman. "Therefore, we would be unable to determine
fraudulent use of one's Social Security number."
Although they may not know the rightful owner of a particular SSN, Experian and TransUnion do sell lists of names that
use the same numbers to collection agencies and other businesses in their "Social Search" and "TRACE" products.
The Milletts, meanwhile, have spent more than $12,000 in legal fees plus countless hours trying to correct their credit
record. They can't get credit, have been shut out of low- and zero-rate financing opportunities, and have been paying
$400 more a year for homeowners insurance because of their damaged credit.
And when creditors began relabeling the ID thief's fraudulent accounts in Steven's name and address, "none of the
credit-monitoring products we bought caught it," says Melody. "I've had Credit Manager from Experian, True Credit
from TransUnion, and Credit Watch from Equifax." She adds that there was never any notification that Steven might be
a victim of identity theft. All three credit bureaus declined to comment on the case.
A spokesman for PrivacyGuard, a credit-monitoring service offered by the Affinion Group, based in Connecticut, told
us that the service monitors fragmented files and use of your SSN by others. But we couldn't find any such claim in
PrivacyGuard's Web marketing material, press releases, or terms and conditions document. The Affinion Group does,
however, claim to provide such tracking with its new fraud prevention and detection service, ID Secure.
Gaps in monitoring and notification leave you exposed. Even if you ignore that first glaring flaw, for a credit-monitoring
service to truly protect you, it needs to cover as many information sources as possible. But when we assessed 16
credit-monitoring services, we found 8 that monitor the credit reports at only one of the three major credit bureaus.
That is incomplete coverage because creditors do not always report to all three credit bureaus.
Equifax's Credit Watch Silver, Gold, Gold Family, and Score Watch; Experian's Credit Manager and CreditCheck
Monitoring (sold through certain websites. TransUnion's Credit Monitoring; and Identity Guard's Credit Protect provide
only one-bureau coverage.
Another big hole in the safety net involves the kind of credit-report activity that prompts an alert and how quickly the
notice goes out. Some products don't alert you to sudden activity in dormant accounts, unexpected increases in
balance levels, changes in existing accounts, or the appearance of a negative public record. And while most do offer
alerts about such changes daily or within a day of changes, Equifax's budget Credit Watch Silver takes as long as a
week to report a change.
Another serious concern: Built-in delays and deficiencies in how credit information is reported means that it may take
a creditor 60 days or more to report a new fraudulent account.
ID theft insurance might prove worthless. Most of the credit-monitoring products that we examined also provide what
might seem like a comforting offer: identity-theft insurance that reimburses you for lost wages for time taken off work to
deal with fraud; notary and certified-mail costs; long-distance calls to report or deal with a fraud; and even legal fees
(with prior approval of the insurer) for defense in collections, removal of erroneous civil judgments, and challenging
information on your credit report.
But scrutinize the terms of coverage for loopholes. For example, some insurers exclude coverage for losses that
occurred prior to your purchase of the product. It can take months or years for ID theft to be discovered. So if a thief
opened a fraudulent account in your name two years ago, you bought monitoring one year ago, and you don't discover
the crime until next year when a collection agency hunts you down, your insurance protection and payout might be zero
with some policies
FOR MORTGAGE HOME LOANS; CALL AT: 786-709-6577 FOR HOME PURCHASING, HOME REFINANCING,
HOME EQUITY, MORTGAGE & LOANS IN THE SOUTH STATE OF FLORIDA AREA. WE CAN HELP!
FOR ALL QUESTIONS CONCERNING: REAL ESTATE INVESTMENTS, MORTGAGE & LOANS, REAL ESTATE
FINANCING. CONTACT: Mr. ANTONY AT 786-709-6577
WE'RE EXCELLENT, WE'RE LOYAL, WE'RE COMPETENT AND WE'VE ALL THE EXPERIENCE NECESSARY TO
HELP YOU SAVE TIME AND MONEY.
HOME EQUITY, MORTGAGE & LOANS IN THE SOUTH STATE OF FLORIDA AREA. WE CAN HELP!
FOR ALL QUESTIONS CONCERNING: REAL ESTATE INVESTMENTS, MORTGAGE & LOANS, REAL ESTATE
FINANCING. CONTACT: Mr. ANTONY AT 786-709-6577
WE'RE EXCELLENT, WE'RE LOYAL, WE'RE COMPETENT AND WE'VE ALL THE EXPERIENCE NECESSARY TO
HELP YOU SAVE TIME AND MONEY.
WWW.KNOWLEDGEFINANCIAL.COM
CREDIT: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE HAVE VALUABLE INFORMATION TO HELP YOU.
CHECK US OUT!
CHECK US OUT!
| REAL ESTATE, BUYING, LEASING, SELLING, LISTING, INVESTING, CONSULTING, FORECLOSURE INFO. CALL: 786-709-6577 |
| GET A MORTGAGE LOAN We smile when you smile, that’s why we work hard in your behalf to make certain that you’re greatly satisfied. You need to purchase a property, why not ? Since renting is not advantageous at all. Let us pre-qualify you for a mortgage loan with the lowest rate possible, meaning better saving for you. And we will find you a property in a wonderful area. SOUTH FLORIDA, CALL US AT: 786-709-6577 |
| A good way to get a mortgage loan is to let a mortgage broker works for you. Let him shop around and comparing mortgages that can be time consuming, so it may save you time by letting an experienced, a competent mortgage broker do the job. It may also save you a lot of money since mortgage broker could find a better loan at lower interest rate than what you can find yourself. In the long run you could probably save thousand of dollars just because you got a good mortgage broker. LET US WORK FOR YOU! CALL: 786-709-6577 |
| I engaged daily in the world of financing, mortgage and loans, which means that I know where to get the best rates, I know who is offering the best products and conditions and generally where it’s advantageous to apply. --------------------------------------------------------- Mortgages and real estate are nothing but negotiation! There is no fair deal, there is only great negotiation. You get what you negotiate. Negotiate or be eaten alive. CALL US AT: 786-709-6577 |
| In the Mortgage and Real Estate industry I have positioned myself as a key contributor in helping people realized their dreams. Over the years I specialized in mortgages, financing, refinancing, and in commercial and residential real estate. Sales, financing, and refinancing houses, condos, town homes, businesses, small and large office buildings, retail centers, hotels. CALL Mr. ANTONY AT VISION MORTGAGE BANK---786-709-6577 |
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| SAVE YOUR CREDIT, RESCUE IT, REPAIR IT, PROTECT IT. We have valuable information to help you! CREDIT Your credit has to do with everything in life today. You get judged by your credit standing. Your character, personality, your attitude, your sense of responsibility all that get measured by your credit. CREDIT REPORT Before you apply for a mortgage loan, if you think you may have credit problems, be prepared to discuss them honestly with a mortgage professional who will assist you. Knowledgeable mortgage professionals know there can be legitimate reasons for credit problems. By now most people have heard of credit scoring, the most common score in AMERICA and also the most common terminology is call FICO SCORE, this score was developed by FAIR, ISAAC & COMPANY for the three main credit bureaus. EQUIFAX PO BOX 740241 ATLANTA, GA 30374-0241 [PHONE] 800-685-1111 ------------------------------------- EXPERIAN [TRW] PO BOX 949 ALLEN, TX 75013-0949 [PHONE] 800-EXPERIAN ------------------------------------------ KNOWLEDGEFINANCIAL.COM TRANSUNION PO BOX 390 SPRINGFIELD, PA 19064-0390 [PHONE] 800-888-4213 --------------------------------------------------- Your credit history, projecting the likelihood of meeting future payments and indicating your level of credit risk. Higher scores indicate better credit risk. These scores not only may qualify you for a mortgage, but possible better interest rates. = More saving for you. --------------------------------------------------------- CREDIT SCORE is evaluating by : PAYMENTS HISTORY.... HAVE YOU PAID YOUR BILLS ON TIME? CREDIT CARDS AND LOANS BALANCE....WHAT BALANCE DO YOU STILL OWE, HOW BIT IT IS? CREDIT HISTORY.... WHAT CREDIT HAVE YOU MAINTAINED AND FOR HOW LONG? CREDIT TYPES.... WHAT TYPE OF CREDIT HAVE YOU OBTAINED? ------------------------------------------------------------- KNOWLEDGE FINANCIAL GROUP IS THERE TO HELP WITH GREATEST SUGGESTION. DON'T REQUEST A SERIES OF CREDIT CHECKS IN A SHORT PERIOD OF TIME. DON'T TAKE ON MORE CREDIT THAN YOU CAN CONSISTENTLY MANAGE. DON'T MAX OUT " YOUR CREDIT CARDS". DON'T SPEND BEYOND YOUR ABILITY TO PAY. DON'T LEAVE ERRORS IN YOUR CREDIT REPORT UNDISPUTED; ALWAYS REQUEST CORRECTIONS. ELIMINATE DEBTS, DO NOT REARRANGE THEM. CHECK YOUR CREDIT REPORT AT LEAST ONCE A YEAR. -----------------------------------------------------------If you suspect that your personal information has been used wrongfully, immediately: review your credit reports, place a fraud alert on your accounts, close any accounts opened or used fraudulently, file a report with the police, file a complaint with the FEDERAL TRADE COMMISSION, AND DO NOT FORGET TO CONTACT ALL THREE CREDIT REPORTING AGENCIES. ------------------------------------------------------------------------------------------------ WWW.KNOWLEDGEFINANCIAL.COM |
COMMERCIAL INVESTMENT. ALL THAT CAN HELP! COMMERCIAL REAL ESTATE; A BETTER
WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL ESTATE?
FINANCIAL REPORT: HOW TO GET A MORTGAGE HOME LOAN? Securing a home loan is
the most important step in the home-buying process. Here are the basics for getting your
financing.
HOW TO GET PRE-QUALIFY FOR A HOME LOAN? 8 Fundamental Reasons to Get Pre-
Approved for a Home Loan!
The first and most important step in buying a home is getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU IMMEDIATELY FIND YOURSELF IN A STRONGER
NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING, GET THE TOOLS YOU NEED TO
PREVENT IT RIGHT HERE! AT KNOWLEDGE FINANCIAL.COM
CREDIT HELP: Use Your Credit Clout: Credit Laws That are on Your Side; Understanding
Your Debt Collection Rights
CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP YOU
CREDIT CARDS: The American Credit Cards are very important to have; but credit cards
represent a danger for those who may not have the discipline, order or those who don't
think what a plastic card can do for them or to them! The borrowers are the slaves of the
lenders. Credit cards issuers are monsters the can eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF YOUR CREDIT RATING! Credit Card Fraud: 21 Tips to
Protect Yourself. More about your credit Score. Companies base your credit scores on five
categories
ID-THEFT: HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT? -----
DETER, DETECT AND DEFEND?
Credit & Loans: Credit Cards & Consumer Loans ...
WHAT DO YOU KNOW ABOUT IDENTITY THEFT?
Consumer Reports' advice on steps you can take to protect your identity and what to do if
you believe it's already been compromised
Government's general information; Local, State, and Federal.
TAX SAVING TIPS FOR INDIVIDUAL INVESTOR, GREAT INFORMATION FOR ALL. Taxes The
More You Know, the Less You’ll Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A breakdown of what
you need to know, in layman's terms.
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE
RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR PROFITS.
THESE INDUSTRIES HAS THOUSANDS OF COMPANIES TO BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A WONDERFUL WAY TO INVEST YOUR MONEY.
Buying and Selling mutual funds
You can buy some mutual funds (no-load) by contacting the fund companies directly. Other
funds are sold through brokers, banks, financial planners, or insurance agents.
BOND FUNDS: INVESTING IN THE BONDS MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of course you have! Whether we hit our parents up for a
few bucks to buy candy as children or asked the bank for a mortgage, most of us have
borrowed money at some point in our lives.
FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO INVEST AND GET
RICHER IF YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short) is one of the most exciting, fast-paced markets
around. Until recently, trading in the forex market had been the domain of large financial
institutions, corporations, central banks, hedge funds and extremely wealthy individuals.
The emergence of the internet has changed all of this, and now it is possible for average
investors to buy and sell currencies easily with the click of a mouse.
TAX CERTIFICATES: TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to 240% Per Year On Your
Investments? Yes you can... By investing in Government Issued
what are you doing with your money in the wake of the
financial crisis?
Where is the safe place to put MONEY?
WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL ESTATE?
FINANCIAL REPORT: HOW TO GET A MORTGAGE HOME LOAN? Securing a home loan is
the most important step in the home-buying process. Here are the basics for getting your
financing.
HOW TO GET PRE-QUALIFY FOR A HOME LOAN? 8 Fundamental Reasons to Get Pre-
Approved for a Home Loan!
The first and most important step in buying a home is getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU IMMEDIATELY FIND YOURSELF IN A STRONGER
NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING, GET THE TOOLS YOU NEED TO
PREVENT IT RIGHT HERE! AT KNOWLEDGE FINANCIAL.COM
CREDIT HELP: Use Your Credit Clout: Credit Laws That are on Your Side; Understanding
Your Debt Collection Rights
CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP YOU
CREDIT CARDS: The American Credit Cards are very important to have; but credit cards
represent a danger for those who may not have the discipline, order or those who don't
think what a plastic card can do for them or to them! The borrowers are the slaves of the
lenders. Credit cards issuers are monsters the can eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF YOUR CREDIT RATING! Credit Card Fraud: 21 Tips to
Protect Yourself. More about your credit Score. Companies base your credit scores on five
categories
ID-THEFT: HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT? -----
DETER, DETECT AND DEFEND?
Credit & Loans: Credit Cards & Consumer Loans ...
WHAT DO YOU KNOW ABOUT IDENTITY THEFT?
Consumer Reports' advice on steps you can take to protect your identity and what to do if
you believe it's already been compromised
Government's general information; Local, State, and Federal.
TAX SAVING TIPS FOR INDIVIDUAL INVESTOR, GREAT INFORMATION FOR ALL. Taxes The
More You Know, the Less You’ll Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A breakdown of what
you need to know, in layman's terms.
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE
RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR PROFITS.
THESE INDUSTRIES HAS THOUSANDS OF COMPANIES TO BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A WONDERFUL WAY TO INVEST YOUR MONEY.
Buying and Selling mutual funds
You can buy some mutual funds (no-load) by contacting the fund companies directly. Other
funds are sold through brokers, banks, financial planners, or insurance agents.
BOND FUNDS: INVESTING IN THE BONDS MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of course you have! Whether we hit our parents up for a
few bucks to buy candy as children or asked the bank for a mortgage, most of us have
borrowed money at some point in our lives.
FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO INVEST AND GET
RICHER IF YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short) is one of the most exciting, fast-paced markets
around. Until recently, trading in the forex market had been the domain of large financial
institutions, corporations, central banks, hedge funds and extremely wealthy individuals.
The emergence of the internet has changed all of this, and now it is possible for average
investors to buy and sell currencies easily with the click of a mouse.
TAX CERTIFICATES: TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to 240% Per Year On Your
Investments? Yes you can... By investing in Government Issued
what are you doing with your money in the wake of the
financial crisis?
Where is the safe place to put MONEY?
..RICH GUIDE, WHY AREN'T
RICH?
BUILDING FINANCIAL
WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
..RULE OF 72: The compound
interest and financial
success. Rule Of 72 is the
most important and simple
rule of financial success.
..MILLIONAIRE: How To Make
Your First $1 Million? The
Millionaire's Mindset
..FORTUNE: BEFORE
INVESTING IN THE STOCK
MARKET LEARN THIS FIRST!...
..GOVERNMENT:
Government's general
information; Local, State,
and Federal.
Housing Finance Authority of
Miami dade, Monroe,
Broward, and Palm Beach
County
..EMPIRE: THE ABC's OF
INVESTMENTS, Ways to
Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE
FINANCING:
TOP 10 CREATIVE
FINANCING TECHNIQUES
AND STRATEGIES TO FIND
MONEY TO INVEST!
The Five C’s of Credit: LEARN
MORE..
CREATIVE FINANCE CAN AND
WILL MAKE ALL THE
DIFFERENCE WHEN AN
INVESTOR DECIDES TO
INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW
TO GET THE BEST OUT OF IT..
Top 10 home-buying
mistakes to avoid!
HOW TO USE HOME
INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics
of Accounting...
...TAXES: THE
FUNDAMENTAL OF TAXES.
THE MORE YOU KNOW, THE
LESS YOU PAY...
...ANALYTICS: Top 9 Real
Estate Financial Calculator
Problems every investors
should know about...
...REAL ESTATE
MARKET:
TODAY'S GREAT
DEALS FOR
FIRST-TIME
HOME-BUYERS &
FOR EVERYONE
AS NEVER SEEN
BEFORE!
WONDERFUL
OPPORTUNITY
TO CREATE
TREMENDOUS
AMOUNT OF
WEALTH...
RICH?
BUILDING FINANCIAL
WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
..RULE OF 72: The compound
interest and financial
success. Rule Of 72 is the
most important and simple
rule of financial success.
..MILLIONAIRE: How To Make
Your First $1 Million? The
Millionaire's Mindset
..FORTUNE: BEFORE
INVESTING IN THE STOCK
MARKET LEARN THIS FIRST!...
..GOVERNMENT:
Government's general
information; Local, State,
and Federal.
Housing Finance Authority of
Miami dade, Monroe,
Broward, and Palm Beach
County
..EMPIRE: THE ABC's OF
INVESTMENTS, Ways to
Save. THE TRIANGLE OF
SUCCESS...
..INVESTORS: CREATIVE
FINANCING:
TOP 10 CREATIVE
FINANCING TECHNIQUES
AND STRATEGIES TO FIND
MONEY TO INVEST!
The Five C’s of Credit: LEARN
MORE..
CREATIVE FINANCE CAN AND
WILL MAKE ALL THE
DIFFERENCE WHEN AN
INVESTOR DECIDES TO
INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW
TO GET THE BEST OUT OF IT..
Top 10 home-buying
mistakes to avoid!
HOW TO USE HOME
INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics
of Accounting...
...TAXES: THE
FUNDAMENTAL OF TAXES.
THE MORE YOU KNOW, THE
LESS YOU PAY...
...ANALYTICS: Top 9 Real
Estate Financial Calculator
Problems every investors
should know about...
...REAL ESTATE
MARKET:
TODAY'S GREAT
DEALS FOR
FIRST-TIME
HOME-BUYERS &
FOR EVERYONE
AS NEVER SEEN
BEFORE!
WONDERFUL
OPPORTUNITY
TO CREATE
TREMENDOUS
AMOUNT OF
WEALTH...