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  • 00:31

    CreditHavins | What is Credilife?

    in Business

    The credit repair industry is growing but what is the most consistent message you see from these companies? Well without you even realizing it, they are promoting dispute services. Disputing potentially inaccurate or no longer valid information being reported by the major credit bureaus Equifax, Experian or TransUnion. Now this part of the credit repair path is important but there are so many people who still fail to hit their goals. Why is that? It is because they lack the education on what they need to be doing proactively to improve their FICO credit scores based on the FICO algorithm while also positioning their credit profile in the right light to achieve their credit related goals. This includes money management, student loan consolidation or refinancing, lowering interest rates, paying down specific revolving accounts, etc. THIS is why we believe in providing education to approach your credit improvement process holistically. We need to encompass all aspects of your current situation, what needs to be done to improve it, and ultimately hit your goal. Credilife is about improving your life through credit & financial freedom! Through informed decisions! Coaching! 

  • 00:15

    Improve Your Credit Score...Simple, Effective, and Free

    in Business

    Join me as I give free information and tips to transform your credit.  As you know good credit is essential in the world that we live in.  I will show you how to pull your credit report for free, update the information on your file, increase your score, and get approved for a home loan and other credit that you are seeking. I am a Licensed Real Estate Consultant and the President of Future Homebuyer Services, LLC.  A full service Real Estate and Financial Consulting Firm.  I have extensive experience working with individuals with poor credit history and helping them achieve their goals.


    Mental Note is the show where great minds and music meet!! 

  • 00:08

    Credit News June 2, 2015 -God sues Equifax ,Former NBA Star arrested

    in Finance

    Because there’s so much going on in the credit industry these days with the credit bureaus being sued, with debt collectors being sued, FTC coming out with different edicts and the results of consumer financial protection bureau investigations, credit news is vital.  It is vital in the areas of credit education, credit restoration, for loan officers in the mortgage industry, for realtors, for educators, and for entrepreneurs.  Give me credit media is on the forefront in giving you current and timely information –information in which you can make decisions – for your business and for your family.  Credit reports and credit scoring have become vitally important in our everyday lives – from obtaining insurance rates, for the rates in credit cards and for home loans.  I welcome you!

  • 01:00

    Paige McKay Kubik- The Executive Director of Frazer Center

    in Women

    The Frazer Center is an inclusive community where people at all levels of ability and disability gather, learn and flourish together. 

    This is the backstory of The Frazer Center- The life of a young couple is often the stuff of dreams: the places they may live, the journeys they may take, the children they may have. In 1948, this was the story for one of our founding families, the Lanes.

    Their lives took an unexpected turn, however, when their daughter was born with cerebral palsy. Together with their dear friends the Frazers, the Lanes searched for a program for their daughter. Feeling frustrated and saddened by what they saw, they created the Cerebral Palsy School for six children at St. Luke’s Episcopal Church in 1949. Two years later, the Frazers and Lanes were able to acquire the former estate of Cator Woolford (founder of the Retail Credit Company, now Equifax), thirty-nine acres located in the heart of Druid Hills. Renamed REACH in 1989 and The Frazer Center in 1999, our historic mission to offer research-based education, vocational support, and therapeutic intervention to children and adults with developmental disabilities and their families is still the heart of our work today. Tune in and suppport Frazer Center

  • 00:19

    Cameron Conway of Equifax: VOC in the real world!

    in Business

    Question: How did you start your VOC career?
    Answer: "Beer and Hot Dogs!"
    Join us as we chat with Cameron Conway, AVP of customer insights at Equifax. As part of the Customer Insights team within the Marketing Strategy group, Cameron is responsible for driving Voice of Customer execution across all of the Equifax business units.  Cameron has also worked  as the Director of Business Consulting at Satmetrix.  Cameron reviews his foray from industry consultant to actually implementing and managing a large-scale VOC program.  Come listen as he shares his struggles and victories.

  • 00:34


    in Finance



    "the daily complaint"

    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.

    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  

    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!

    We hope you enjoy the Show...


    Dana Shafman

    Managing Member

    END Consulting

    Phone (888) 234-7006 Ext 101

    Fax (888) 234-7096


    Every new beginning comes from some other beginning's END!


  • 00:27

    HR Happy Hour 219 - Keeping Your Career Safe from the Robots

    in Business

    HR Happy Hour 219 - Keeping Your Career Safe from the Robots

    Recorded LIVE from SuccessConnect 2015 in Las Vegas, August 11, 2015

    Hosts: Steve Boese, Trish McFarlane

    Guest: Karie Willyerd, SuccessFactors

    This week on the HR Happy Hour Show, Steve sat down at SuccessFactors customer conference SuccessConnect and spoke with Karie Willyerd, Workplace Futurist (i.e. the best job title ever), and author of the upcoming book Stretch: How to Future-Proof Yourself for Tomorrow's Workplace. 

    On the show, Steve and Karie talked about just what a Workplace Futurist does, what are some of the big-picture work and workplace challenges that lay ahead for organizations, and then dove into the the issues and workplace opportunities that increased use of robotics and automation present. Karie laid out 5 key principles that anyone can use to help ensure their continued development, assert their value, and keep themselves and their careers safe from our future robot overlords.

    This was a really fun show! 

    Thanks to SAP/SuccessFactors for having the HR Happy Hour Show at the event.

    Finally, thanks to our show sponsors Equifax - learn more about how Equifax Workforce Solutions can help you and your organization here.

    And really finally, on iTunes or your favorite podcast app just search for 'HR Happy Hour' to subscribe to the show and never miss an episode.

  • 00:45

    Knowing Your Consumer Rights According to the FDCPA!

    in Finance

    FDCPA is the abbreviated name for the Fair Debt Collections Practice Act. This act was created to protect both consumers and creditors again unfair and unethical collection practices. This is the very first thing that we should know because we have many rights that could help our particular situations. Call into 929.477.1281 and follow the show for updates by clicking the follow option. These shows are recorded so you can always go back and listen to the archives if you miss a show. If you know someone who is struggling with budgeting, debt, saving money nm etc., this is the show for you.

  • 02:44


    in Education


       THOR and Brother Sharif will explore the extreme power of the Credit Reporting Agencies in Equifax, Experian and Transuion. Do these three entities control Commerce and the our Economic Society? Do you know the many types of information this agencies have on every consumer in this country? THOR will have the panel on hand to discuss three of the most powerful super corporations in the world, and how they affect our lives, economics, employment, commercial dealings and purchases. Are these agencies the a hub of information that feeds other entities we are familiar with and do information with? You will be floored and THORED to learn how these agencies control the world of commerce, and you will be surprised to learn what people actually own these agencies!

       Brother Sharif, Laela, Laurie, and an invited guest will explore in depth the inner workings of the Credit Bureaus and what their obligations to every consumer is as it pertains to the Fair Credit Reporting Act (15 USC 1681). Is your commercial "Record" reflecting correct, accurate, and reliable information. Are you being denied credit, employment, insurance, housing, credit and basic fundamental needs and dont know why? How can a consumer see what is in their commercial records, (credit report) how can we correct those records, and who can we hold liable for any erroneous information.? THOR will explore your options, and educate you on what rights you have to certain information, and who is responsible for such information. How much are you entitled to when the information is incorrect.? How do you go about removing negative information? THOR will discuss those options and more on our next episode. JOIN US TODAY, learn MORE WITH THOR.

    Disclaimer: THOR and its guest are not attorneys and does not offer legal advice of any sort.


  • 01:00


    in Entertainment


  • 00:46


    in Entertainment

    •Why certain credit & financial secrets are untold in low income communities & educational systems?

    •How can foreigners without any N. American credit history get approved for luxurious cars & homes in upscale neighborhoods [communities], but many people especially “Black African-Americans” are denied approval of those things even if their credit scores are above 620?

    •How can some 18-24 years old Caucasian college students without established credit afford expensive homes & cars w/o parental financing?

    *Did you know Caucasians were intentionally targeted & charged high mortgage interest rates in certain states & communities solely due to them being "Caucasians"?

    *Did you know you that most life insurance companies allow you to take a loan on your life insurance benefits after paying it up for 5 years or more or having it for 10 consecutive years or more with a record of on-time premium payments?