Http://GoodCreditUnion.com 1-800-652-7157 In this video, I explain the new departments the that Good Credit Union have opened up to it's clients.
Good Credit Union has added a Tax elimination dept. with a CPA and IRS Registered agents. As many of us understand that a CPA is the blood line of the business. Understanding having access to a CPA is one of the best resources a growing company needs to be profitable.
Our CPA works right along side of our IRS Registered Tax Agents to make sure your company financial documents and taxes are looking good to financial institutions.
GCU Group also offers employment verification for people that work off of 1099 and need regular pay stubs created. This is great for someone that trying to purchase a vehicle or get into an apartment.
Check out our other services
http://BusinessCreditAmerica.com 1-800-652-7157
LEGAL (14)
http://GoodCreditUnion.com 1-800-652-7157 In this video Houston with th GCU Group, Inc. explain why many people should fix their credit instead of getting a CPN or SCN.
1st you no longer have to find a co-signer to help you get an apartment, car, or student loan. I understand this is embarrassing for many adults with bad credit.
2nd If you have good credit you could add a child or family on you credit cards as authorize users and they could inherit your credit. This is one of the best gifts you can give someone if you're not rich or wealthy. Your 18 year old could inherit your credit and you will not have to co-sign for them an apartment, car loan, or student loan.
3rd You could buy real estate in which you could not do with a CPN or SCN. Many people want to get into real estate investing but they must understand that having good credit will make it easier to purchase that property.
4th When you fix your credit you don't have to show as much paperwork to get funding. With a CPN or SCN creditors want to see the id or drivers license to go along with the file. Creditors are asking for social security cards for that SCN or CPN, they are also asking for employment verification. This is alot of personal information they are requiring now for an SCN or CPN.
5TH It's much more easier to get funding when you have good credit to do you investments, succh as buying a car from the auction instead of having to finance it from a car dealer.
This is Houston with Good Credit Union. You can call me at !-800-652-7157 or email me Houston@goodcreditunion.com or Alex @goodcreditunion.com
Hello Community, this is good information and I am glad to be able to share it.
Networking Increases NetWork
Posted by everybodysangel in Izania Blog ( www.izania.com)
FOLLOW THESE SIMPLE TIPS WHEN GOING TO HOSPITAL THEY WILL SAVE YOUR LIFE,
Having been ill with LUPUS 30 years and constantly being rushd to the hospital by ambulance...when i would get to the Hospital...I couldn't remembner all of the pertinent info they needed to help find out what was wrong with me.
SO THIS IS WHAT I DID AND YOU SHOULD TOO FOR YOURSELF OR ANYONE "CHRONICALLY ILL"... THAT YOU LOVE.
1. GET A LEGAL PAD AND BLACK MARKER.
2. ON YOUR FIRST PAGE WRITE YOUR: Name, Address/with 2ip code.
3. Write your home phone and cell phone numbers.
4. Your Birthdate and Age.
5. Your Social Security Number
6. YOUR INSURANCES...EVEN IF YOU ARE DYING...THEY WANT TO
KNOW WHO IS GOING TO PAY FOR THE HOSPITAL SERVICES!!!
7. WHO IS YOUR NEXT OF KIN AND THEIR CONTACT NUMBERS.
PAGE 2.
WRITE DOWN ALL OF THE CURRENT MEDICATIONS YOU ARE TAKING.
BE SURE TO LET THE NURSE KNOW IF YOU HAVE ANY ALLERGIES TO ANY MEDICATIONS.
Page 3. WRITE DOWN ALL OF YOUR CURRENT ILLNESSESS.
PAGE. 4. WRITE DOWN ALL OF ANY SURGERIES YOU HAVE HAD.
Page 5. WRITE DOWN ALL OF YOUR DOCTORS...THEIR OFFICE
NUMBER AND WHERE THEIR OFFICE IS LOCATED.
MAKE AT LEAST 10 COPIES. KEEP ONE IN YOUR CAR AND AT WORK IN YOUR DESK OR ANYWHERE YOU SPEND MOST OF THE TIME.
WHEN I GET IN THAT AMBULANCE...I TELL THE MEDIC...
"HERE BOO...THIS IS MY MEDICAL HISTORY! THEY SAY:
YOU ARE TOO COOL LADY! LOL
WHEN THE DOCTOR COMES IN I HAND HIM MY MEDICAL PACKAGE AND HE SADI IF ALL OF OUR PATIENTS DID THIS...DO YOU KNOW HOW MANY LIVES WOULD BE SAVED?
I WENT TO THE HOSPITAL DECEMBER 21, 2012 AND 2 LATINO MEDICS WERE WITH ME.
I PRAYED AND ASKED GOD IF HE WAS WITH ME...GIVE ME A SIGN.
SO THE MEDIC RIDING IN THE BACK WITH ME...SAID HIS NAME WAS ANGEL AND THE MEDIC"S NAME DRIVING THE AMBULANCE WAS NAMED JESUS.
I SAID YOU ARE LYING. BUT HE WAS TELLING THE TRUTH!
I LAUGHED SO HARD, AS WE KNOW THE LORD DOES HAVE A SENSE OF HUMOR!.
WHEN I TOLD HIM I HAD PRAYED TO GOD FOR A SIGN...
HE SAID LADY...YOU GOT AN ANGEL IN THE BACK AND JESUS IS DRIVING...WHAT MORE SIGN DO YOU NEED GOD LOVES YOU!
BROTHERS AND SISTERS...THIS IS A TRUE STORY. (laughing)
GOD BLESS YOU ALL FOR 2013 AND DIDN'T OUR PRESIDENT AND FIRST LADY LOOK LIKE A KING AND QUEEN YETERDAY. THEIR DAUGHTERS ARE BEAUTIFUL AND WHEN THE BOYS START CHASING THEM...I THINK MR. PRESIDENT IS GOING TO START SMOKING AGAIN...(LAUGHING)
I LOVE YOU ALL...DEB SIMON...MEDIA BROADCASTER
Love between two people
Commitment between two people
Two people becoming one
How do I know if I am married or not?
Is marriage when two have united through their hearts;
With God as their witness?
Or
Is Marriage when two people have a piece of paper, saying they are married?
What is marriage? There are many who would question this due to questions surrounding gay marriage. I have another reason to question this. Mine is very personal. Mine has religious as well as legal ramifications.
This is my religious dilemma:
When I married I insisted on getting married in a church because this was something I believed strongly in. When I married I took my vows very seriously. The circumstances surrounding my marriage were a bit unusual and this added to the strong beliefs behind my marriage. I had known my husband for only a month and a half via phone conversations. I flew to St Louis to meet him and we got married the same day. We knew, in our hearts, that God had brought us together. Due to my past, I prayed from the moment I stepped off the airplane, while standing in line at the court and up until the time I said “I DO” at the church. I prayed that God would watch over us and I asked to be led to do God’s will; if this was his will that he would bless us in this marriage ceremony. I prayed and I prayed and we were married. I went into this marriage knowing that I made my vows with God as my witness. I believed in my vows till death do us part. I believed in my vows for better or worse, in sickness and in health, for richer or for poorer…….I believed and I promised to fulfill these vows.
Do these vows hold true In God’s eyes if my marriage was filled with abuse and adultery against me?
Do these vows hold true if the marriage was not valid in a legal sense?
No one can ever imagine or guess the events that will happen in their life. No one can be prepared for every twist and turn life offers. Shortly after my marriage I learned that my husband was a crack addict. I learned this through the trials my life was faced with. The addiction caused my husband to do many things that are totally against what the Bible says a marriage should be. My husband became abusive; physically, emotionally and verbally. My husband stole from me to pay for his addiction. My husband cheated on me on a regular basis with prostitutes. These are all things that the Bible talks against. Adultery and abuse are both reasons for divorce. The Bible talks about not associating with people like this. The Bible says a person who commits adultery will not be accepted into the kingdom of heaven. The Bible says if you commit adultery you ruin your life. The Bible says very specifically what love is and there is no way that the things my husband did to me would be considered love. And yet, the Bible also says a wife is to submit to her husband. The Bible says we are to forgive 70 X’s 7 times. I believe in God’s word…I believe I am to strive to be as Jesus was. If someone asks for forgiveness and forgives others as he would want to be forgiven; if someone repents and accepts Jesus into his life; if that someone is born again as a new creature of God, do all his past sins matter? Should they matter to anyone if God has forgiven and Only God can judge?
My dilemma is compounded by legal matters.
I have been married for four years now. Even through all the trials, we have tried to work together. Out of nowhere I receive a call from my husband’s first wife. They are not divorced….which means I am not married…or am I? Does it make a difference that he was not a husband to me even when we believed ourselves to be married? Does it make a difference that my husband has asked God for forgiveness and I truly believe that God will judge me to the same extend I judge others? In my mind, I must forgive and not judge my husband just as I would ask God (and my husband) to forgive me. I am not married legally, however, the question remains………am I married in God’s eyes?
When I said my vows to my husband, I said them believing them to be true and from my heart.
Marriage; a covenant
In God's house with God as our witness.
Marriage; with vows
between us two, from our hearts with God's blessings.
Are we married in Christ
under God's Rule
Business Credit America has done it again. This time, their taking on the credit industry to prove to Americans it is still possible to build business credit. Their offering a free business credit forum and BUSINESS training teaching entrepreneurs, small business owners, internet and online marketers how to properly structure themselves for the best asset protection.
As the banks and other financial institutions still refuse to help the American economy rebuild itself, Business Credit America has decided, they will not wait until after an election to help revive the economy. A spokesperson for the company, said “they feel the American Economy should not be struggling when you have so many multimillionaires that are able to help small business owners keep their business going and help start new businesses”.
Business Credit America is offering a Free Business Credit Forum and Business Training to the American public. Learn some of the Basic things most business owners miss in order to have a successful business
• Learn, How to properly structure your business for the strongest asset protection
• Learn how to properly order you EIN number
• Learn about current trade vendors that offer business credit on net terms, such as ShareDaLuv.com, AZSnaxks.net, TradeSmartProducts.com, VipElectronicsCenter.com, SNS.com, these are just a few trade vendors.
• Learn the difference between a Paydex score and a Business Credit Score
• Learn how to properly file a Ucc-1 financial statement to help your business or personal credit
Business Credit America offer so much business information to help get the American Economy get back going. Check them out at BusinessCreditAmerica.com and join their free business credit forum today, IT’S FREE http://BusinessCreditAmerica.com
JMCC now offers comprehensive, low cost, high value, auto benefits plan
ARIZONA - ( www.jusmcc.us )Juniques MultiCultural Connection,a business networking company servicing the $11.8 Trillion dollar multi cultural market, has entered a independent owner agreement with TVC Marketing Associates, nationwide marketing company, for Motor Club of America
Enterprises, Inc., which has been in business since 1926. MCA have been providing their members with the finest products and services available in the motor club industry.
Our program has been custom designed to work with your automobile insurance, filling in the voids to provide members with complete motoring protection.MCA comprehensive, low cost, high value auto benefits plans (from $9.95 to $39.95). MCA provides a Member Services call center which is open 24 hours a day, 365 days a year to assist members with Auto and Legal Needs.
Because of rapid growth, independent sales associate positions are available. additional info at www.jusmcc.us 623-455-6364
How to get Business Credit Cards Without a Personal Guarantee? http://BusinessCreditAmerica.com 1-888-821-6408x2
How to get a Business Credit Card with out a Personal Guarantee is a step by step process. First you have to see what business is more favorable to banks, which is called SIC CODE. Once you know and understand this step then you can continue on with the proper step to get business credit cards.
http://www.businesscreditamerica.com/services.html
Here are the necessary steps to get a Business Credit Card with out a Personal Guarantee.
Know you Sic Code for what type of business your looking to Start.
Call and get your EIN#/TAX ID# over the phone not online and please make sure you use Incorporated at the end of your company name.
Incorporate your business to a C-Corporation Banks love this entity.
Get your Dun and Bradstreet Number from their website. DandB.com. You want the number thru the CCR Government program. This way you get the number for Free and within 48hrs instead of 30 days.
You need to have Projected Financials submitted to Dun and Bradstreet in order to a Clear complete file this is very important.
You need to file Ucc-1 lien against your business for the money and equipment, you invest in the business to get it started. This is very important to creditors.
Once these steps are completed then you need at least 6 to 9 Net30 Accounts such as http://www.sharedaluv.com/, http://vipelectronicscenter.com/, http://www.tradesmartproducts.com/index.html, http://www.azsnacks.net/, http://ucc-1credit.com/, https://www.stntsol.com/, Grainger, Uline, Seton, nebs, deluxe and so on. Remember Dun and Bradstreet does not report your credit limits, they report the amount you spend on purchase, so the more you spend on products the better the tradeline looks on your business credit file.
If you follow this step by step, you're guaranteed to get Business Credit cards with out a Personal Guarantee.http://www.businesscreditamerica.com/services.html
If you are selling anything on your site, chances are you accept credit cards. With credit card fraud and identity theft abound, how do you protect your e-commerce business and still offer your customers the convenience of purchasing with credit?
Your responsibilities as a merchant are governed by the laws and regulations in your state, federal laws and regulations, and the specific requirements of the particular card entity (i.e. American Express, Discover, etc.). Many of the major cards have also come together to create the PCI Standards Council. They’ve created a series of requirements that merchants must adhere to when agreeing to accept credit cards.
So, why does all of this matter, you ask? You’re only running a small online store. Well, when you agree to accept credit cards, you enter into an agreement with the major cards. As such, you agree to comply with all of these requirements.
Plus, dealing with fraud, chargebacks (amounts charged back to the credit card) and other breach hassles can be both costly (think thousands of dollars) and time consuming.
As you’re setting up your online venture, here are a few steps you can take to better protect your site and ultimately your business.
Use a Third-Party Gateway
Payment gateways are a bridge between your site and the actual payment processing that takes place. That means that you don’t have to personally handle anyone’s credit card information. If I purchase from your site and you use a payment gateway, I enter my information and you never see it. The card is authorized via the payment gateway. From a data breach perspective, that’s really important. You don’t have to store anyone’s sensitive cardholder information which could help protect you from some liability.
Select a Reputable Merchant Account Provider
A merchant account provider is a company that processes your card transactions and deposits the funds from the cards into your business bank account. Beware. Not all merchant account providers are created equal. Some have seemingly excessive fees. Others try to bind you to a contract term of 36 or more months. Read the fine print of the agreements carefully, and once you’ve narrowed down your choices, sit down with your attorney to make sure you fully understand the terms of your particular contract. The terms are legally binding, so you don’t want to enter into the agreement until it is clear to you.
Set the Strictest Possible Verification Measures
Some payment gateways give the merchant a little leeway to determine what information will be required to process the transaction. For instance, will the cardholder be required to give the three-digit code on the back of the card? What if the address for the cardholder does not match the billing address the online customer provides? Will you refuse to process the purchase? These are all decisions that you will have to make as a merchant. The more steps you require, the greater protection you provide yourself and the cardholder. Stricter controls may seem cumbersome, but it pays off with fewer chargebacks and identity theft claims.
Make Sure Your Site Has a Security Certificate
Most merchant account providers and payment gateway providers require the site holder to have certain security certificates in place that encrypt data that flows over the internet. This certificate can usually be purchased from the same company that hosts your site. For example hosting companies like GoDaddy and Blue Host offer security certificates. Even if your provider does not require it, it is a good idea to take the extra step to add a security certificate to your site, particularly the store portion of your site.
Verify that Your Business Insurance Covers Online Transactions
Some insurers deem online behavior to risky and specifically exclude it from coverage. When you’re deciding on a policy to cover your business activities, read the exclusions carefully to verify that your online transactions will be covered under your existing insurance policy. Having to address fraud claims and other possible security breaches without insurance can endanger your business and definitely lessen its profitability.
Limit Access to Sensitive Information
If for some reason you do maintain certain cardholder information, limit access to only those individuals that absolutely need to know this highly private information. Set measures that can track when and how those individuals access this private information.
Carefully Review the Data Security Standards and All Individual Card Requirements
The PCI Standards Council issues the Data Security Standards to which every merchant must adhere. Review them carefully. Ask questions. Consult with an IT person to ensure that your systems meet the requirements.
Finally, as with all agreements you enter into as a business owner, invest in a consultation with a licensed attorney in your area. The peace of mind that comes from knowing that you’ve covered your bases will be invaluable and better equip you in the unfortunate event that you do have to defend against claims of security breach.
For additional information, visit the PCI Standards Council site.
Here’s to your business success!
KANSAS CITY, Mo. – The latest form of identity theft doesn't depend on stealing your Social Security number. Now thieves are targeting your kid's number long before the little one even has a bank account.
Hundreds of online businesses are using computers to find dormant Social Security numbers — usually those assigned to children who don't use them — then selling those numbers under another name to help people establish phony credit and run up huge debts they will never pay off.
Authorities say the scheme could pose a new threat to the nation's credit system. Because the numbers exist in a legal gray area, federal investigators have not figured out a way to prosecute the people involved.
"If people are obtaining enough credit by fraud, we're back to another financial collapse," said Linda Marshall, an assistant U.S. attorney in Kansas City. "We tend to talk about it as the next wave."
The sellers get around the law by not referring to Social Security numbers. Instead, just as someone might pay for an escort service instead of a prostitute, they refer to CPNs — for credit profile, credit protection or credit privacy numbers.
Julia Jensen, an FBI agent in Kansas City, discovered the scheme while investigating a mortgage-fraud case. She has given presentations to lenders across the Kansas City area to show them how easy it is to create a false credit score using these numbers.
"The back door is wide open," she said. "We're trying to get lenders to understand the risks."
It's not clear how widespread the fraud is, mostly because the scheme is difficult to detect and practiced by fly-by-night businesses.
But the deception is emerging as millions of Americans watch their credit scores sink to new lows. Figures from April show that 25.5 percent of consumers — nearly 43.4 million people — now have a credit score of 599 or below, marking them as poor risks for lenders. They will have trouble getting credit cards, auto loans or mortgages under the tighter lending standards banks now use.
The scheme works like this:
Online companies use computers and publicly available information to find random Social Security numbers. The numbers are run through public databases to determine whether anyone is using them to obtain credit. If not, they are offered for sale for a few hundred to several thousand dollars.
Because the numbers often come from young children who have no money of their own, they carry no spending history and offer a chance to open a new, unblemished line of credit. People who buy the numbers can then quickly build their credit rating in a process called "piggybacking," which involves linking to someone else's credit file.
Many of the business selling the numbers promise to raise customers' credit scores to 700 or 800 within six months.
If they default on their payments, and the credit is withdrawn, the same people can simply buy another number and start the process again, causing a steep spiral of debt that could conceivably go on for years before creditors discover the fraud.
Jensen compared the businesses that sell the numbers to drug dealers.
"There's good stuff and bad stuff," she said. "Bad stuff is a dead person's Social Security number. High-quality is buying a number the service has checked to make sure no one else is using it."
Credit bureaus can quickly identify applications that use numbers taken from dead people by consulting the Social Security Administration's death index.
Social Security numbers follow a logical pattern that includes a person's age and where he or she lived when the number was issued. Because the system is somewhat predictable, sellers can make educated guesses and find unused numbers using trial and error.
A "clean" CPN is a number that has been validated as an active Social Security number and is not on file with the credit bureaus. The most likely source of such numbers are children and longtime prison inmates, experts said.
Robert Damosi, an analyst with Javelin Strategy & Research, said the crime can come back to hurt children when they get older and seek credit for the first time, only to discover their Social Security number has been used by someone else.
"Those are the numbers criminals want. They can use them several years without being detected," Damosi said. "There are not enough services that look at protecting the Social Security numbers or credit history of minors."
Since the mortgage meltdown of 2008, banks have tightened lending policies, but many credit decisions are still based solely on credit scores provided by FICO Inc. and the three major credit unions: Experian, TransUnion and Equifax.
Federal investigators say many businesses do not realize that a growing number of those credit scores are based on fraudulent information.
"Lenders don't understand that when they pay money to go through a service, they may be receiving false information," Jensen said. "They think when they order the information from credit bureaus, it must be true."
Without special scrutiny, credit profiles created with the scheme are not immediately distinguishable from other newly created, legitimate files.
Investigators say the businesses clearly know they are selling Social Security numbers, but it's difficult to prove. The sellers use complex disclaimers that disavow illegal activity and warn customers against using their numbers in place of Social Security numbers.
The businesses also instruct customers to provide false information when using the number to apply for credit. Customers are told to use their real name and date of birth, but to avoid listing any addresses or phone numbers they've used in the past. They're also told to avoid any other information that connects the new, clean credit profile with the old, damaged one.
Craig Watts, a spokesman for credit reporting agency FICO Inc., said FICO has tools available for businesses to protect themselves from this type of fraud, but they are not cheap. And many lenders are slow to adopt FICO's new formulas, which are updated every few years.
Some companies that sell the numbers have lavish, high-tech websites. Others run no-frills ads on sites like Craigslist.
Jim Buckmaster, president and CEO of the San Francisco-based Craigslist, recently told the AP in an e-mail that there were "fewer than 200" classifieds on his site that used the word "CPN."
Within an hour of that e-mail exchange, dozens of the ads in cities such as Las Vegas, Los Angeles and New York had been pulled from the site. Many were reposted the next day.
An AP reporter called several of the sites, but got only recordings asking callers to leave a message with contact information.
Experts say the fraud will be difficult to stop because it's so easily concealed and targets such vulnerable people. Other than checking with the credit bureaus to see if there is a credit file associated with your child's Social Security number, spokesmen at FICO, the Social Security Administration and the FTC said there are no specific tools for safeguarding the number.
"This is an invisible crime, with invisible victims who don't have enough support out there to help them," said Linda Foley of the ID Theft Resource Center in San Diego.
