Category Archives: Financial services

Tips on Improving Credit Scores

The Home Loan Arranger, Jason M. Ruedy, Provides Tips on Improving Credit Scores Before Applying for a Mortgage

Mortgage interest rates are still sitting near record lows, and it’s The Home Loan Arranger, Jason M. Ruedy’s, goal to help as many people as possible refinance their current mortgage or obtain a purchase loan before interest rates rise.

Denver, Colorado – September 10 – Denver Mortgage Banker Jason M. Ruedy, also known as The Home Loan Arranger, is on a mission to help as many people as possible refinance their current mortgage or obtain a purchase loan before mortgage interest rates rise. With interest rates still sitting at record low levels, Mr. Ruedy believes that now is the best possible time to either refinance or apply for a new mortgage. However, the lowest available mortgage interest rates are usually given to individuals with the highest credit scores. Therefore, Mr. Ruedy offers advice on how to raise a credit score prior to applying for a refinance or new mortgage.

On August 5, 2014, RealtyTimes, a website dedicated to providing real estate news and advice published an article entitled How to Improve Your FICO Scores Quickly. The article focuses on the fact that now is a great time to refinance or apply for a purchase loan – but mortgage lenders focus on FICO scores, so it’s important for potential borrowers to improve their scores as quickly as possible before attempting to refinance or apply for a new loan.

The article lists several dos and don’ts for individuals attempting to quickly raise their credit score. Some examples of the published tips include: keeping existing credit cards open, not maxing out or consolidating credit card accounts, not transferring transfer credit card balances, not changing change jobs right before applying for a mortgage, paying bills on time, paying down debt, and shopping around for the best possible mortgage terms from multiple lenders.

According to The Home Loan Arranger, there are several other methods not listed in the RealtyTimes article that can be used to try and quickly raise a person’s credit score. These methods include:

Reviewing your credit report, spotting errors, and disputing all errors until they are corrected.

Requesting that your credit limits be raised.

Avoiding the establishment of new credit cards, lines of credit, or other types of debt too quickly.

“As a mortgage lender who has been in this business for more than two decades, I’ve seen first-hand how high and low credit scores can affect the mortgage interest rate offered to potential homebuyers. If anyone is thinking about either refinancing their current mortgage, or applying for a purchase loan, my advice is to plan ahead. Make sure to get your credit score as high as possible before applying for a loan. Don’t wait until you’re half way through the application process before you start worrying about how you’re going to raise your score so you can obtain the best possible interest rate.” – Jason M. Ruedy, The Home Loan Arranger

About The Home Loan Arranger:
Mr. Jason M. Ruedy, also known as The Home Loan Arranger, has 20+ years of experience in the mortgage business. His company was built around the crucial principles of hard work, discipline, and determination. The Home Loan Arranger evaluates client applications quickly and efficiently and structures loans with the best possible terms. Mr. Ruedy is successful in achieving loan closings for clients while meeting their highest expectations. Jason M. Ruedy is ranked #2 in the state of Colorado by Scotsman Guide, which is the top leading resource for mortgage originators.

For media inquiries, please contact Mr. Jason M. Ruedy, “The Home Loan Arranger”:

The Home Loan Arranger
512 Cook St #100
Denver, CO USA
Phone: (303) 862-4742
Toll Free: (877) 938-7501
http://www.thehomeloanarranger.com/

Bad Business Debt Timeline

C2C Resources Releases Bad Business Debt Timeline in Response to Business Summer Slump

Licensed commercial debt collection agency C2C Resources released a bad business debt timeline for companies struggling through the seasonal summer slump.

Atlanta, GA – September 10 – C2C Resources, a leader in commercial debt collection across the United States, released a bad business debt timeline today to assist companies who are struggling through the seasonal summer slump.

With employees often taking leave for family vacations, the summer months typically result in a delay in sales and productivity. Many businesses also feature season products and services such as pool supplies, AC repair and summer tourist town attractions. C2C Resources believes B2B and B2C companies of all sizes struggle from the summer slump.

“Unfortunately, while your business may have forecasted a decreased cash flow in the summer, there are other businesses that do not, and many could be your customers,” explained Todd Tinkler, President of C2C Resources. “The ripple effect can easily occur once this happens. To overcome it, stick to a schedule when invoicing customers and following up on past-due accounts.”

The company released the following timeline to help companies decrease bad business debt by establishing credit and accounts receivable policies.

Day 0: Send the invoice to the customer.

Day 15: For new customers or large invoices, place a pro-active call to confirm the customer has received the invoice. Always verify that the shipment was received and the order was correct. It is a good way to avoid a dispute later.

Day 35: Depending on the payment agreement, send a past-due reminder notice.

Day 45: Send a past-due follow up notice on smaller accounts and make initial past-due calls on larger accounts. If time permits on smaller accounts, a call is better than written communication at this stage.

Day 55: Move forward with the initial past due call or follow up call depending on the action taken on Day 45.

Day 65: Send a termination of credit notice or a 60-day demand notice to the delinquent customer.

Day 80: Call the client with a final demand for payment.

Day 90: Send a final demand notice.

“After 90 days you need to turn to a third-party agency for help,” said Tinkler. “Don’t risk losing the chance for payment. The longer you wait, the harder it will be.”

About C2C Resources:
C2C Resources is a global Commercial Debt Collection agency headquartered in Atlanta, Georgia. The company collects commercial debt on behalf of their over 25,000 clients and is considered one of the top agencies in the country. The executive team at C2C brings more than 60 years of experience helping businesses collect their accounts receivable.

C2Cs powerful combination of Profit Maximizer, InfoMax Collection System, and Legal Forwarding Edge, can help your company be more effective with your own in-house collecting and maximize recovery of accounts turned over for collection.

Contact Information
Trey Cefalu
C2C Resources LLC
http://www.c2cresources.com
+1 5046168434

Commercial Debt Collection Agency Tips

C2C Resources Releases Four Reasons to Partner with a Licensed Agency

As a leading commercial debt collection agency, C2C Resources released a tip sheet of the top four reasons to partner with a licensed agency.

Atlanta, GA – September 09 – C2C Resources, an expert in licensed commercial debt collection and a member of the International Association of Commercial Collectors Inc. (IACC), released a tip sheet today of the top four reasons to partner with a licensed agency.

With over 20 states requiring commercial collection agencies to be licensed to do business in their state, C2C Resources is also fully licensed in every state where they do business.

“We hold our agency to high standards, exceeding the requirements of state licensing, because we value our customers and the struggle they are going through with delinquent payers,” explained Todd Tinkler, President of C2C Resources. “It is a shame that so many businesses are operating illegally. We always advise companies who inquire about our services to ask about licensing when researching who they want to partner with. We know we don’t have anything to worry about!”

The following are the top four reasons to partner only with a licensed commercial collection agency:

1.    Licensing is the law.
2.    Licensing protects the business’s money through required trust accounts and bonds.
3.    Licensing protects the business from a possible lawsuit.
4.    Licensing maximizes recovery. If the debtor finds out that the agency is unlicensed, he or she could threaten to report it. In some states, regulators will require the agency to give the collected money back if reported.

If the company is located in one of the following states, the agency must be licensed to handle your business: Alaska, Arizona, Delaware, Florida, Idaho, Illinois, Minnesota, Nebraska, Nevada, New Jersey, New York (City of Buffalo), North Dakota, Oregon, Tennessee, Utah, Washington and West Virginia.

If the delinquent customer is located in one of the following states, the agency must be licensed: Arizona, Arkansas, Delaware, Idaho, Illinois, Minnesota, New Jersey, New York (City of Buffalo), North Carolina, North Dakota, Oregon, Utah and Washington.

For a PDF version of the tip sheet, visit: http://www.c2cresources.com/site/License.pdf. The above is not intended to serve as legal advice.

About C2C Resources:
C2C Resources is a global Commercial Debt Collection agency headquartered in Atlanta, Georgia. The company collects commercial debt on behalf of their over 20,000 clients and is considered one of the top agencies in the country. The executive team at C2C brings more than 60 years of experience helping businesses collect their accounts receivable.

C2Cs powerful combination of Profit Maximizer, InfoMax Collection System, and Legal Forwarding Edge, can help your company be more effective with your own in-house collecting and maximize recovery of accounts turned over for collection.

Contact Information
Trey Cefalu
C2C Resources LLC
http://www.c2cresources.com
+1 5046168434

More Approved for No Credit Check Auto Loans

134 More Bad Credit Auto Shoppers were Approved for No Credit Check Auto Loans in the Month of August

Complete Auto Loans, the trusted auto lending network is proud to announce 134 more applicants were approved for their loan last month.

Seattle, WA – September 05 – August was a great month for shoppers to get a loan. 134 more shoppers were approved to get no credit check auto loans in August with instant approval. The online lending resource makes getting an auto loan up to $35,000 easy with their online application process.

https://completeautoloans.com/application-form/ – Get approved for a car loan in as little as 60 seconds.

Using the online application form is easy and takes as little as 60-seconds. Once the application is filled out, Complete Auto Loans matches the applicant with a local area lender that can provide the best loan possible.

As an extra service, Complete Auto Loans also provides a complimentary online credit score tool which has helped drivers save thousands of dollars. Upon completing the easy online car loan application, applicants are given the opportunity to save thousands of dollars on their loan. For more information, visit Complete Auto Loans website.

About Complete Auto Loans
Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.

Contact Information
Keith Eneix
Complete Auto Loans
https://completeautoloans.com/
+1 360-631-9441

Struggling To Repay Student Debt?

Struggling To Repay Student Debts? Studentloanconsolidationreviews.org Has Answers

Studentloanconsolidationreviews.org helps residents of New Mexico by reviewing the top two student debt relief companies in the area.

Santa Fe, NM – September 06 – New Mexico has something no other state can claim – the most PhDs per capita. This is due to the many government and private research facilities scattered throughout the state. New Mexico is also famous for having given birth to one of America’s most popular conspiracy theories. It began in 1947 when an unidentified flying object (UFO) crashed near the town of Roswell. Our government claims it was the remnants of a weather balloon but conspiracy theorists say it was a flying saucer that contained alien life and that the government created a gigantic cover up to hide the true facts.

Whether this was a flying saucer or not is still debatable. But what isn’t debatable is that student debt has become a serious problem. Two years ago, the average student loan balance for all age groups was $24,301 and it’s likely gotten even worse since then. And about one-quarter of borrowers owe more than $28,000. However, New Mexico students have done much better as they graduate owing just$17,994, which makes the state second best in the nation.

Another fact that isn’t debatable is the cost of going to college today. For example, it now costs $18,473 for a resident to attend the University of New Mexico for a year. A year at New Mexico State University costs a resident a bit less at $17,947 but a year at a private school such as St. John’s costs an amazing $58,831.

Studentloanconsolidationreviews.org recently undertook a study of debt relief companies available to those New Mexicans having a problem with their student debts. What it found is that the top two options are – SoFi (Social Finance Inc.) and National Debt Relief.

Studentloanconsolidationreviews.org used three criteria in evaluating student debt relief providers. They were how it charges for its services, the services it offers and company history.

“We concluded that National Debt Relief is the best option because it was tops in all these criteria,” said Studentloanconsolidationreviews.org spokesman Michael Smith. “The way it charges its customers is totally performance driven and can offer its customers a variety of student debt repayment options. Plus, National Debt Relief has constantly maintained an A rating with the Better Business Bureau, which speaks well of its history.”

Studentloanconsolidationreviews.org ranked SoFi second to National Debt Relief because it provides only student loans and student debt consolidation. Also, SoFi is more of a social community than a debt relief provider. It has 550 member colleges and universities and provides loans only to students at those schools and their alumni. These loans are provided peer-to-peer meaning that the lenders are the alumni of these schools. However, as noted by Studentloanconsolidationreviews.org its loans have introductory rates starting at just 0.99%. In addition, SoFi offers payment deferment in the event a customer becomes unemployed and will even help him or her find a new job.

National Debt Relief operates in an entirely different manner, as it does not provide loans. “It is a true debt relief provider,” noted Smith, “as it will analyze a client’s financial situation and federal student loan portfolio and then attempt to find a repayment program with better terms and a lower monthly payment than what she or he currently has. If it is unable to find a better program, it charges the client nothing.”

“We offer a number of options for student loan repayment from the Department of Education.” Said National Debt Relief’s Paul Ritz.” This allows us to provide a client with the one that’s best suited to him or her given their financial circumstances. If appropriate, we can also help a customer consolidate his or her student debts with a federal Direct Consolidation loan.”

New Mexico residents struggling with student loans that would like to know more about National Debt Relief and SoFi should go to the site http://www.Studentloanconsolidationreviews.org.

Contact Information
Jimmy Saver
Best Debt Consolidation Loans
http://www.bestdebtconsolidationloans.org/
+1 (877) 869-5111