Our Terms of Use and Privacy Policy have changed. We think you'll like them better this way.

  • 00:30

    How to Dispute a Charge-off on Your Credit Report

    in Motivation

    In today's episode Cliffunya & Kisha will discuss what a credit charge -off is and how to dispute any inaccuracy on your credit report.


    What is a Credit Charge-off?  After a certian amount of time of non-payment creditors will write off an account balance.


     Charge-off is difficult to remove but there are ways to dispute a charge-off which may result in it being removed from your credit report .


      Unpaid charge-off can also lead to legal action (as long as the debt is within the statue of limitations).


    If the statue of limitations has ran out a debtor can no longer be sued and the debt becomes uncollectable.


    Account balance.  Has the account been transferred or sold to a collection agency?  If yes, the account balnce should show zero.


    The original creditor who has sold or transferred cannot continue to report a balance owed.


    Dispute the balance and ask for deletion.


    Always ask for a deletion of the entire account because corrected negative informaiton doesn't improve your credit score.  Keep in mind the creidt bureaus are not required to delete incorrect informaiton only to correct it.


    Areas that can be disputed:


    Open Date of Account


    Highest  Balance


    Late Payments


    Account Status


    *Remember charge-off 48 months or older are no longer being used to calcuate your credit score.


    Use caution when disputing charge-off you run the risk of lowering your credit score if the dispute returns verified as correct .

  • 00:31

    Luke Ayata From The Shralpers Union Joins Us

    in Lifestyle

    What is shralping? It is the act of shredding and ripping at the same time whether you are on a skateboard, surfboard, or snowboard it doesn't matter as long as you shralp!  If this applies to you, then you definitely want to listen to this week's show as we have the opportunity to speak with Luke Ayata, the President of the Shralpers Union.  Join us as we find out not only who this group is, but also what they do and where they are going!  This Saturday, January 23rd at 11:00 p.m. ET.  

  • 00:31

    The Car Man Show ...How to rebuild your credit by financing a car

    in Automotive

    This week The Car Man will discuss what people need to know when looking to buy a car and they have bad credit. This show is an extension of the live broadcast of The Car Man Show Las Vegas on KCEP POWER 88 RADIO.

  • 00:02

    A More Perfect Union Episode 1

    in Sports

    Hosted by Connor Cummings of Union Nation, Mark Cole, Founder of the Philadelphia Union Discussion Group and President of the East End Army, and Eevry Goren, Admin of the Philadelphia Union Discussion Group, a More Perfect Union breaks down the MLS offseason so far including the Union's star studded draft.
     

  • 00:30

    3 Tips to Boost Your Credit Score

    in Motivation

    In today's episode Cliffunya & Kisha will discuss simple steps that you can take today that will increase your credit score.


    1. Keep your credit card balances below 30% of your max


    2.Auto pay off a credit card every month to zero


    3. Pay your bills on time. 35% of your score is payment history


    "If you don't take good care of your credit, then your credit won't take good care of you".-Tyler Gregory

  • 00:35

    Listen to Veteran Mike Foss and Helen Phillips with Warrior Bonfire Program

    in Military

    Listen 24/7 anytime after our 9pm EDT  February 4, 2016 broadcast to:


    Michael Foss, (RET) LTC 14 Years’ Service + Helen Phillips - Leaders Warrior Bonfire Program. 


    Mike Foss (RET) US Army Reserve LTC 14 years of active service both before and after 9/11. Now President of WarriorBonfireProgram,  


    Helen Philips, Director of Veteran Services and Special Projects.


    The Warrior Bonfire Program is committed to providing opportunities that improve the lives of Purple Heart recipients on their life long journey of recovery and healing, with focus on creating activity based, stress free environments that promote camaraderie and therapeutic healing.


    More Info: http://thankyouforyourservice.us/issue/january-2016/article/listen-michael-foss-ret-ltc-14-years-service-+-helen-phillips-leaders-warrior-bonfire-program

  • 00:35

    Learn How To Detox Your Body With The Clean Program

    in Health

    When it comes to finding a solution for some of the most commonplace issues such as fatigue, allergies, depression, digestive issues or extra weight, most people opt to reach for a pill, energy drink or some sort of remedy instead of relying upon on the body's natural ability to heal itself. What if you could facilitate this process yourself without relying upon pills or chemical laden beverages? Clean is program designed to work with the body's natural ability to heal itself by providing all the tools necessary to support and reactivate our body's detoxification system to its fullest capabilities and can be easily incorporated into the busiest of schedules. Clean teaches you how to understand how our organs, hormones and enzymes work together by focusing on core concepts such as how toxins and stress create obstacles prohibiting the body from functioning normally, the impact of modern eating habits and how to remove obstacles and furnish our bodies with the things we need in order to maintain our energy and restore good health. Tune in to this segment of The Organic View Radio Show, as host, June Stoyer talks to Alejandro Junger, M.D. about the benefits of the Clean Program. Alejandro Junger, M.D. is board certified in Internal Medicine and Cardiology who spent years at Lennox Hill Hospital in NYC and now practices in Los Angeles.


    Today's show is brought to you by Eden Foods the most trusted name in certified organic clean food! Shop online at EdenFoods.com and enter the coupon code “ORGVIEW” when prompted during checkout to receive 20% OFF any regularly priced items (excluding cases). For other promotional offers, please visit TheOrganicView.com’s website.

  • 00:31

    Keeping Your Fitness Program Up During Winter Months

    in Women

    In this episode, the Menopause Sisters talk about creative ways to keep your fitness routine in check during the winter months

  • 00:58

    Ask your questions with DAN KING!

    in Self Help

    It's that time again - Our Monthly SOULgasm edition with DAN KING! This month we are opening up the phone lines so YOU can ask YOUR questions! IT'S gonna be EPIC!

  • 00:46

    Local Hauntings Radio

    in Paranormal

    Local Hauntings Radio

  • NABWIC Talks with Ken Hamilton, SBA

    in Women

    Ken Hamilton assumed his duties at the Small Business Administration as the Assistant District Director for Business Development for the Northern Florida District in June 2006. In this capacity, he is responsible for supervising the district staff and overseeing the management and marketing of SBA certification programs for small businesses in within the 43 counties of Northern and Central Florida. These programs include the 8(a) program that consist of a portfolio of over 170 firms with a contract volume of over $640 million annually to 8(a) certified companies . His department is also responsible for monitoring and marketing other SBA certification programs for small businesses such as the HUBZone, Women Owned Small Businesses, and Service Disabled Veteran Owned Businesses programs.