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Sarae is joined by Melissa Duncan, Personal Finance Coach at mpowered, to weigh the benefits and drawbacks of Credit Karma for consumers. As a nonprofit Accredited Credit Counselor, she shares her insight and expertise to discuss how consumers can use Credit Karma's services to understand of their credit, and what considerations to keep in mind.
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
*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 .
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.
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.
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.
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
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
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.
Out from your Sunday School Comes the Guiders of the Nation
Bring your children to Sunday School and the Teacher must comfirm herself to the questionnaire and let every member exercisce their 5 senses who is able to do so, cause out from your Sunday School comes the Guiders of the Nation!!!
Call 646 478- 5157 See you there!
Childrens Sunday School from 12:00 pm until 1:00 pm est.
Adults 1-3pm est.
1. Who made you?
2. What is your Nationality?
3. What is your Birth Right?
4. Who are the Moors?
5. What is Moorish Science?
6. How did the prophet began to uplift the Moorish Americans?
7. Do You know that your child is entitled to a name and anationality at birth?
8. What is the declaration of Human Rights?
Come bring you and your family to Sunday School where these questions you can ask and get questions answered every Sunday from 12-3PM est. On Blog talk Radio 646-478-5157
In this episode, the Menopause Sisters talk about creative ways to keep your fitness routine in check during the winter months
“Now Airing Every Week Night”! That's Right
TONIGHT: “PEARLS PRESS”
Now airing Every week day.
TONIGHT IS “PEARLS PRESS”!
I am so pleased to be able to broadcast to you daily.
The show will now air, Monday – Friday. Monday-Thursday will be a pre-recorded show, and Friday night is our “live” show. All show times begin at 7:00 p.m. (cst)
Monday-Thursday nights will be pre-recorded shows, but a new one every single day, and every single week. And you will be able to discuss these shows with me “live” on Friday nights. So jot down your questions or comments, and call me up live every Friday night, 1-646-200-3422.
Lease space for Monday-Thursday night is also available if you want to broadcast your information or show. Call me for details: 901-310-8638.
MONDAY NIGHTS- “Pearls Press”—Catch up on all the latest current events, and get “Pearls” take on these topics. We are celebrating our 2nd year in radio. . You can get tickets for our radio celebration here: http://www.eventbrite.com/e/the-emily-pearls-radio-show-2-year-celebration-tickets-20895913239
The Trailer for my movie is out, and you can see it on the website, if you have not already. www.mpearlsaalthemovie.com
Please share with everybody, and like our website page and fan pages.
Find out how you can secure a Role, and Invest!
Tune into the show tonight to find out how!