Q&A: How do you give a credit report to a tentative landlord without giving them all of your personal credit info?

Posted on January 27, 2012 by


Question by MrsMacPickle: How do you give a credit report to a tentative landlord without giving them all of your personal credit info?
I’m looking for an apartment and every landlord requires a copy of a credit report. That’s great, but how do I give them that without giving them all of my tops-personal information?

Best answer:

Answer by Sgt Big Red
Simply give him the copy but redact (block out) all but your last four digits of your social security number.All they need to see is anything that is derogatory such as collections, charged off debts and any judgments. If you have none on your report, then you should have no problem.It is their way of making sure they will not get stiffed for any rent. But fifty-fifty those with stellar accounted have been known to fall slow and skip out, so why they really need one is for their own peace of mind.



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GetCreditRepair.org Reports, Lower Credit Scores Linked to Consumer Impatience

Posted on January 23, 2012 by


GetCreditRepair.org Reports, Lower Credit Scores Linked to Consumer Impatience

United Debt Counseling 1-800-665-9981

Fort Lauderdale, FL (PRWEB) December 21, 2011

The Federal Reserve’s Research Center for Behavioral Economics and Decision making in an unpublished study found that consumers who lack patience are more prone to default on their credit cards and their mortgages.

The research, scheduled to be published in the January issue of Psychological Science, was conducted by Stephan Meier, an associate professor at Columbia University and Charles Sprenger, associate professor at Stanford University. The study set out to “show an association between how people think about the future, how impatient they are and their credit decisions” said Meier. What it showed is that people who favor immediate gratification over delayed gratification might prove greater credit risks to credit card issuers and mortgage lenders.

Judi Lisbin, speaking on behalf of GetCreditRepair.org, a credit repair organization said, “Consumers who opt for immediate gratification by defaulting on their credit cards or mortgage payments in order to have more money in the present, will experience higher expenses in the future due to the drop in their credit scores. The lower credit scores can lead to higher interest rate loans and credit cards, denial of a job, refusal of a landlord to lease and higher insurance costs.”

The test conducted by the researchers asked 437 low-to-moderate-income individuals seeking credit and counseling help at a community center if they could get $ 49 now or $ 50 in a month, which would they take and most would take the $ 49 now. They reduced the number to $ 20 now or $ 50 in a month, at which point most participants said no, they would wait a month. The study found a direct correlation between impatience and poor credit scores and the less patient an individual’s behavior, the lower their credit score.

Lisbin said, “There is a lesson in this research for consumers. If they recognize themselves as impatient people, they should evaluate their spending. Perhaps step back and consider that next purchase; do I need this now or can I wait so that my credit score is not damaged?”

WWW.GETCREDITREPAIR.ORG counselors are solely dedicated to assisting consumers correct negative, erroneous and outdated information using credit repair. For more information about their programs, contact 1-800-665-9981. They can also be found on the web at http://www.getcreditrepair.org.

###


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Operation HOPE Champions Record Contributions to Silver Rights Mission to Empower Underserved Communities

Posted on January 21, 2012 by


Operation HOPE Champions Record Contributions to Silver Rights Mission to Empower Underserved Communities

Los Angeles, CA (PRWEB) January 12, 2012

Operation HOPE (HOPE) reported today, receiving the largest total contributions ever made in an one-week period during the nonprofit’s 20-year history during the month of December. Partners ETRADE Bank, Bank of the West, and Gallup, Inc. renewed support for the financial dignity leader, contributing a record $ 8.7 million in combined resources. The assets will support the organization’s efforts to bring better access to financial services, economic education, and digital empowerment to underserved communities nationwide.

E*TRADE Bank’s, $ 2 million commitment focuses on youth and adult programs located in New York and the Washington, DC metropolitan areas, while Bank of the West’s $ 1.7 million commitment targets support for the HOPE Centers and Banking on Our Future youth financial literacy programs primarily located in the West. Both financial institutions provided initial seed capital for the Gallup-HOPE Index.

Through HOPE, Gallup has committed a $ 5 million investment to audit and measure U.S. school students for the Gallup-HOPE Index, as its gift to American schools. In 2010, HOPE signed a memorandum of understanding, outlining a 100-year partnership with the research leader to measure the economic energy of American student’s grades 5 –12, which may ultimately become the nation’s indicator for the Gross National Product and job growth.

The Index, a national survey of American students created by Gallup for HOPE, is driven by collaboration with an advisory board of financial literacy and youth and community development experts from government, nonprofit, and corporate backgrounds.

Headquartered in Los Angeles, Operation HOPE promotes financial dignity through financial literacy and education tools to underserved communities in more than 71 cities worldwide. Through it four core portfolios, the organization has provided youth and adult financial literacy, economic preparedness, digital empowerment, in addition to promoting home ownership, and assisting with foreclosure prevention to more than 2 million individuals, families and small business owners. In 2012, HOPE will celebrate two decades of making the free market system work for low-income communities in a Silver Rights Movement to eradicate poverty and build dignity.

About Operation HOPE (HOPE)
Since 1992, nonprofit Operation HOPE has grown to become the global leader in financial dignity, providing financial literacy and empowerment services to underserved communities worldwide. Through its four principle portfolios: Banking on Our Future, HOPE Coalition America, HOPE Financial Dignity & Literacy Empowerment Centers, and HOPE Corps, the organization addresses youth and adult financial literacy, economic preparedness, bridges the digital divide and promotes home ownership, assists with credit management and foreclosure prevention. With the support of more than Cd private sector companies, 5000 nonprofit organizations and schools and government partners, HOPE has reached over 2 million low-wealth individuals in 70 U.S. cities and South Africa. At the core of HOPE’s mission is a Silver Rights Movement, ensuring that free enterprise and capitalism work to supplied a better future for underserved communities around the world. To learn more about HOPE, visit our blog or follow us on Facebook and Twitter

###


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California Consumer Advocate, Attorney Howard D. Silver Releases New Online Identity Theft Resource Center

Posted on January 19, 2012 by

California Consumer Advocate, Attorney Howard D. Silver Releases New Online Identity Theft Resource Center










Oak Park, CA (PRWEB) January 10, 2012

Making Identity Theft Resources Easily Available

Identity theft has continued to increase in frequency over the past decade in both California and the United States as a whole. As reported by MercuryNews.com, California Attorney General Kamala Harris stated that every year, more than 1 million Californians are victims of identity theft. She also emphasized that identity theft can result in heavy debt to credit bureaus, illegal use of Social Security benefits, draining of bank accounts, and many more abuses of a victim’s funds. With these points in mind, the resource center provides informative data to help identity theft victims understand the crimes that have been committed against them and how they can recover. By gaining knowledge from the resource center, identity theft victims can become more familiar with how to rebuild their lives and not suffer financial consequences caused not only by identity thieves, but also creditors seeking to collect debts unfairly or illegally.

Spreading the Word about Identity Theft

In order to provide visitors to http://www.howardsilverlaw.com/identity-theft.html with a firm knowledge of the complexities of identity theft crime and the repercussions that a victim often experiences, the California identity theft resource center has been created with a focus on the laws and procedures surrounding identity theft.

The pages found in the resource center provide information regarding the common traps that an individual may fall into before and after becoming an identity theft victim, how to prevent identity theft, the steps a victim must take after having their identity stolen, a victim’s rights, and understanding the use of a credit freeze and fraud alert. The web pages also emphasize the vital role of the Federal Trade Commission (FTC) in raising awareness about identity theft prevention, reporting, and resolution. The resource center’s identity theft frequently asked questions (FAQs) section is meant to help answer inquiring visitors’ questions so they can best determine an effective and proactive course of action as well as understand how an attorney may be able to assist them.

Resolving Identity Theft Repercussions

Consumer advocate and attorney Howard D. Silver has been successfully representing California consumers since 1987 in cases involving lemon law, car repair fraud, used car fraud and deceptive business practices. Howard D. Silver graduated Magna Cum Laude from California Western School of Law in San Diego, California in May 1979 and became a member of the State Bar of California in November 1979. Today, Mr. Silver is a member of both the Los Angeles and Ventura County, California Bar Associations. The Law Offices of Howard D. Silver is now committed to protecting the rights of consumers throughout California with matters relating to identity theft.

###





















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Actor James Woods Kicks Off Ringling College Digital Filmmaking Studio Lab Spring 2012 Lineup

Posted on January 15, 2012 by


Actor James Woods Kicks Off Ringling College Digital Filmmaking Studio Lab Spring 2012 Lineup

James Woods

Sarasota, FL (PRWEB) January 05, 2012

Ringling College of Art and Design’s Digital Filmmaking Studio Lab today announced Academy Award® and Emmy®-nominated actor James Woods will be the first visiting filmmaker of the Spring 2012 season. Throughout his career, Mr. Woods has worked with an impressive roster of directorial talent, including Martin Scorsese, Oliver Stone, Clint Eastwood, Harold Becker, Rob Reiner, Robert Zemeckis and Sophia Coppola. Critics have acknowledged his ability to bring wrenching reality to any role, as reflected by the real-life characters he has portrayed, from Roy Cohn to Rudolph Giuliani.

“Mr. Woods’ extensive experience in film and television provides a wealth of transferable knowledge for our students,” stated Ringling College president Dr. Larry R. Thompson. “His insight into the actor/director relationship and how to provide the direction actors are looking for will be invaluable to our Digital Filmmaking students as they seek to grow their directorial expertise.”

Mr. Woods will be hosting a private screening of his 1986 film ‘Salvador’ for Ringling College students and guests and conducting a Q & A session following the shooting on Tuesday, January 10 from 4-7 p.m. at the college’s Academic Center Auditorium. Media is invited to been the Q&A session. A limited number of 1:1 interviews will be accommodated during the screening time, based on Woods availability and discretion. Following James Woods’ appearance, the Studio Lab will host visiting actor Elijah Wood for the Spring 2012 season on January 23-24. Several other filmmaker visits are yet to be announced.

The Ringling College Digital Film program– now in its fifth year – is ranked as one of the top 25 film schools in the world by The Hollywood Reporter. Since its inception in 2010, the Digital Filmmaking Studio Lab has hosted film and media luminaries including Edward Burns, Werner Herzog, Bill Paxton, Martha Stewart, Andy Garcia, Paul Schiff, Oren Moverman, Ben Foster and Ed Carroll. The 2011-2012 Digital Filmmaking Studio Lab is made possible in part thanks to corporate support from PNC Wealth Management (https://www.pncsites.com/wealthinsight/), Sarasota Magazine (http://www.sarasotamagazine.com) and Biz941 (http://www.Biz941.com).

“We are really fortunate to have James Woods at this year’s Studio Lab to work witih Ringling College students.. He is considered by many to be ‘the director’s actor’ and his insight and interaction should be invaluable to these immature filmmakers,” said David Shapiro, co-flopped with Sam Logan of Future of Films LLC. “Woods reputation as one of the finest character actors in Hollywood today is well deserved and we look frontward to hosting him in the Digital Filmmaking Studio Lab.”

Mr. Woods Biography follows the press release.

About Ringling College of Art and Design
Ringling College of Art and Design is a private, not-for-profit, fully accredited college offering the Bachelors of Fine Arts degree in 13 disciplines: Advertising Design, Computer Animation, Digital Film-making, Fine Arts, Game Art & Design, Graphic & Interactive Communication, Illustration, Interior Design, Motion Design, Painting, Photography & Digital Imaging, Printmaking and Sculpture, and a Bachelor of Arts degree in the Business of Art & Design. Located in Sarasota on Florida’s Gulf Coast, the picturesque 48-acre campus now includes more than 100 buildings, and enrolls 1,368 students from 42 states and 53 countries. It is recognized as being among the best and most innovative visual arts colleges in the United States as well as a leader in the use of technology in the arts. http://www.Ringling.edu

About Future of Films, LLC.
Future of Films leverages unique opportunities in media production and content as the old models rapidly change, focusing on convergences between traditional and new media. Co-founders Sam Logan (Sarasota) and David Shapiro (New York) are bringing to bear their extensive relationships in the film and TV industry to provide for rapid development of the Ringling Digital Filmmaking Studio Lab, a groundbreaking project that combines education with film development. The Studio Lab is designed to provide Ringling College of Art and Design students have hands-on experience with top-tier directors, producers, writers, and cinematographers as well as to help Sarasota become an integral part of the film industry.

JAMES WOODS
Biography

With over 70 major motion pictures, TV films and miniseries to his credit, James Woods has distinguished himself as an acclaimed actor, producer and director. His explosive, nuanced performances have earned him two Academy Award nominations – Best Actor for Salvador and Best Actor In A Supporting Role for Ghosts Of Mississippi – as well as three Emmy nominations and two Emmy wins for Outstanding Lead Actor in a Miniseries or a Special for his work in Promise and My Name Is Bill W. Honored with an Obie Award, Clarence Derwent Award and Theatre World Award on the New York stage before coming west to become a leading film star, Woods has also been nominated ten times for a Golden Globe, winning one award for his depiction in Promise. He has taken home the CableAce Award, the Independent Spirit Award, the American TV Critics Award, and the Golden Satellite Award on two occasions.

Beginning his career in the early 70s, Woods’ breakout performance came in 1979 with his powerful portrait of evil in The Onion Field. Some of his other memorable roles include those in Once Upon A Time In America, Against All Odds, Videodrome, Casino and True Believer. Demonstrating his wide-ranging talents, he has played the rolls of such diverse characters as a strict, religious parent in The Virgin Suicides, a parodied priest in Scary Movie 2, an endangered resident in Northfork, and, most recently, an uncouth, bigoted father in Pretty Persuasion. His upcoming film credits include HBO’s “Too Big to Fail,” Sony’s “Straw Dogs” and DreamWorks’ “Kung Fu Panda 2.”

Woods has worked with a short list of coveted directors time and again, including such greats as Martin Scorsese, Oliver Stone, Clint Eastwood, Harold Becker, Rob Reiner, Robert Zemeckis and newcomer Sophia Coppola. Critics have acknowledged his ability to bring wrenching reality to any role, as reflected by the real-life characters he has embodies, from Sen. Joseph McCarthy’s loyal chief counsel Roy Cohn to New York Mayor Rudolph Giuliani.

He starred in the CBS series “Shark” as the title character, the charismatic, supremely self-confident and cutthroat prosecutor Sebastian Stark. Among his additional television credits are the movies “Rudy: The Rudy Giuliani Story,” “Citizen Cohn” and “Indictment: The McMartin Trial,” all of which earned him Emmy Award nominations, as well as the mini-series “Holocaust,” and recent guest-starring roles in “ER” (Emmy Award nomination) and “Entourage.”

Prior to pursuing his film career, Woods appeared on stage in New York in plays such as the Broadway production of “Moon Children,” (Theatre World Award), and in the off-Broadway production of “Saved” (Obie Award and Clarence Derwent Award).

He attended M.I.T. (Massachusetts Institute of Technology), where he excelled in his studies as a political science major. He left in his senior year to pursue acting.

Woods was born in Vernal, Utah, raised in Warwick, R.I., and currently lives in Los Angeles. His birth date is April 18.

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How can I check my credit report for free without signing up for a program online?

Posted on January 13, 2012 by


Question by trrocks03: How can I check my credit report for free without signing up for a program online?
I know there are dozens of sites that offer a free credit report where you must sign up for a free 30-day trial of some program that monitors your credit. Is there any site that doesnt need this subscription? If not, is this method safe?

Best answer:

Answer by LondonDiva
https://www.annualcreditreport.com/ The only one that will really give you a free anual report without subscription.



Add your own answer in the comments!

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EarthPeople Becomes First Sustainability Consultancy in U.S. to Endorse Plastic Disclosure Project

Posted on January 11, 2012 by


EarthPeople Becomes First Sustainability Consultancy in U.S. to Endorse Plastic Disclosure Project

Dallas, Texas (PRWEB) January 03, 2012

EarthPeople, a Dallas-based sustainability consulting and communications firm, announced today its status as the first U.S. consultancy to offer companies plastic assessment and reporting services through the Plastic Disclosure Project (PDP). EarthPeople joins the Clinton Global Initiative and other international supporters of the PDP to raise awareness around plastic waste in oceans.

Roughly 33% of plastic is discarded after a single use and approximately 85% of total global plastic used is not recycled. Plastic has the potential to stay in the environment for hundreds of years, negatively impacting over 270 species of animals, waterways, and even human health. The PDP is working with the global business community to create a world in which plastic adds value for consumers and businesses without negatively impacting the environment. Companies participating in the PDP are asked to assess the amount of plastic used in their operations, manufacturing, shipping, and after market waste, and then disclose or report their levels of plastic.

“This is a tremendous opportunity for companies to gaining from managing their plastic footprints,” said Anna Clark, president of EarthPeople. “EarthPeople wholeheartedly supports this initiative.” The alliance was initiated by EarthPeople consultant Nancy Schneider, who first contacted PDP founder Doug Woodring. “At the moment I read about this project, I knew we had to act action,” said Ms. Schneider. “As someone who is involved with the beach communities in South Florida and part of the sustainability community in Philadelphia, I see the trouble impacts of plastic everywhere, particularly on the Delaware and Schuylkill Rivers. I believe that accompany want to do the right thing and don’t imagine their products with their name or logo will end up on the street, in the woods, or in the ocean. That is not the kind of advertising any accompanying wants. By participating in the Plastic Disclosure Project, companies can pro-actively make a difference.”

Annual disclosure requests will be made to studied plastic-using companies commencing at the end of 2011. The primary focus will be on companies in the consumer goods and technology sectors, as well as other service industries such as airlines and hotels that may use or sell plastic-intensive products on a relatively large scale. The PDP and EarthPeople also encourage small-to-average sized companies to be involved, as some may have new solutions or best practices that could be applied on a larger scale. Universities, hospitals, and local governments are also invited to divulged their plastic footprint.

About PDP
The Plastic Disclosure Project is a project of the Hong Kong and California-based Ocean Recovery Alliance (ORA). The Ocean Recovery Alliance is focused on bringing innovation, technologies, creativity and collaborations together to address some of the challenges that face the ocean and our broader environment. The PDP’s lead operating partner is the Association for Sustainable and Responsible Investment in Asia (ASrIA), an operating supplying in Asia for the Carbon Disclosure Project. For details, visit http://www.plasticdisclosure.org.

About EarthPeople
EarthPeople is a consulting and communications firm that transforms organizations through profitable sustainability strategies. Since opening in 2005, EarthPeople has engaged stakeholders in corporate social responsibility initiatives for clients ranging from startups to Fortune 500 companies. Among its services, EarthPeople offers plastic disclosure and reporting services and Life Cycle Assessments, as well as a full range of communications services, to companies, NGOs and local governments. For more information, visit http://www.earthpeopleco.com.

###


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NISSAN Whistleblower Fears Media Bias & Reaches Out to Donald Trump: Exposes Issues of DOE Loans to Companies Linked to Iran: Bovat Asks Lawyer to Subpoena Carlos Ghosn

Posted on January 9, 2012 by


NISSAN Whistleblower Fears Media Bias & Reaches Out to Donald Trump: Exposes Issues of DOE Loans to Companies Linked to Iran: Bovat Asks Lawyer to Subpoena Carlos Ghosn

Sharyn Bovat has already sent 9 manifested letters to government officials about DOE fraud and hopes the Solyndra investigation continues.

Franklin, Tennessee (PRWEB) December 13, 2011

Sharyn says that members of the conservative community in Middle Tennessee that have jailed her three times after she exposed problems (case # gsc -3714) is quieting trying to get the local paper the Gannett owned Tennessean to report the story of discrimination and bad spending of taxpayer money. Sharyn Bovat was told that the paper was going to do a story last spring. Her goal is for the press to ask the DA Kim Helper why she continues to prosecute a first time misdemeanor for over 17 months.

Bovat has tried some “unique” ways to get attract the media so reaching out to Donald Trump is not unusual. In the last 17 months she’s done a dozen press releases, standup comedy, spoken twice at the state capital at legislative hearings and blogged about her friendship with the editor of the Tennessean. Sharyn says “this whole situation is getting out of control; my blood pressure is 153 over 93 and the stress of these charges is affecting my health”.

Frustrated that the Tennessee media ignores the discrimination she whistle blew about at NISSAN (internal statistics have shown that women in management declined from 20.9% to 10% in a 3 year time period). Sharyn Bovat has blogged that her story has been squashed due to issues about the president’s pet project the electric car http://www.gannettmcnews.com.

Bovat has repeatedly said on her blogs “the DOE is wasting too much taxpayer money” and she followed up by filing a complaint with the DOE Inspector General Gregory Friedman.
In reference to the DOE loan she has filed a complaint with the DOE and sent a certified letter to the Inspector General Gregory Friedman. Bovat also sent certified letters to members of the committee questioning Solyndra including Rep. Fred Upton & Rep. Cliff Stearns, Bovat’s web stats show that a Solyndra IP address looked at her blog 1142 times. The letter along with a video of her testimony at a state senate hearing can be viewed at http://www.nissanwhistleblower.com .

Last month Sharyn blogged about a contract NYC signed giving 1 billion dollar deal to NISSAN for taxi’s built after 2013. Bovat says that NISSAN is directly connected to a company doing business in Iran: Via there alliance partner Renault & she would like Donald Trump to ask the candidates throughout 2012 about this.

The taxi being built for NYC has the platform of the NV200 is built on the modified Renault-Nissan B-Alliance platform. According to Wiki “As well as sharing a number of engines in the alliance and joint-development of zero-emissions technology, Nissan increased its presence in Europe by badging various Renault van models.”

Bovat would like Mr. Trump to ask the candidates about information posted on Rushline about NISSAN’s partner Renault experiencing tremendous growth from Iran. http://www.rushlane.com/renault-pulse-hatchback-for-indian-car-market-important-for-global-strategy-1223457.html Bovat says “although the profits from the Nissan taxi from the billion dollar NYC contract go to NISSAN’s in Japan then the funds are redirected to Renault who not only is a strategic partner but the largest stockholder, France has a history of selling weapons and buying oil from Iran. France is the major holder In Renault I’m sure that Donald Trump will understand the issues are both economic and foreign policy related”.

Bovat would also like Donald Trump to directly ask presidential candidates during the 2012 presidential election about the NYC taxi commission decision.

This is not the whistle blowers first time getting political. Late last year Bovat started a blog to get the attention of Ed Gillespie and Karl Rove who she calls the GOP elite http://www.gillespierove2012.com. Bovat a former political research worker wants her voice heard and is reaching out to many different people in her attempt to get attention to the discrimination she whistle blew about.

Bovat’s viral attempt to get attention of Gannett leaders is working when doing a google or yahoo search using the names of the top news executives: Bob Dickey, Kate Marymont and Mark Silverman her blogs are usually on the 1st page.

Sharyn says she’s been stressed because the problems in Tennessee are big. The state was ranked #1 in corruption according to the Daily Beast in 2010.

Bovat who has twice testified at legislative hearings says there’s hope that the state will become more transparent saying “I’ve met a lot of hard working members of the Tennessee legislature and I have hope that change will happen in Tennessee…”

In reference to Sharyn’s legal battle as of now the prosecution against her continues. Sharyn’s blood pressure last night was 153/93 and she’s tired of blogging about corruption. Sharyn says her goal in 2012 is for her to have a “normal” life.

Sharyn hopes this is her last press release on “this issue” but is anticipating another one soon. She got a letter from the IRS about her 2009 tax return. Bovat has reached out to Rep. Marsha Blackburn about this issue and then spoke to official at the IRS. In 2009 Bovat paid for the NISSAN executive’s satellite dish, washer dryer and other relocation expenses with her credit card and NISSAN did reimburse her but the IRS now wants taxes paid on the reimbursement. The IRS representative told her to get NISSAN to issue an amended 1099 and as of now they have not. Sharyn says I refuse to pay almost $ 1,500 in taxes for someone else’s stuff. Bovat has until January 12th & documented that she asked for the amended 1099 in 2010 saying “this is ridicules, then again her whole situation is ridicules”. Sadly it continues.

###


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Los Angeles Consumer Sues American Express for Allegedly Charging Him Personally with a Huge Business Debt Belonging to his Former Corporate Employer

Posted on January 7, 2012 by


Los Angeles Consumer Sues American Express for Allegedly Charging Him Personally with a Huge Business Debt Belonging to his Former Corporate Employer

La Crescenta, CA (PRWeb) December 27, 2011 (PRWEB) December 28, 2011

Steven E. Warner is pursuing a lawsuit in the Los Angeles Superior Court against American Express. He has alleged that American Express effectively stole his identity to make him personally responsible for the corporate debts of his employer, and, in the process, has ruined his credit. He is represented by Brennan, Wiener & Associates of La Crescenta, Ca., which has issued this press release. Warner v. American Express, BC 430 180.

Mr. Warner has alleged the following sequence of events in his complaint against American Express: eight years ago Steven E. Warner was working as manager for a company named TPL Communications (TPL). One day, he placed a phone call to American Express notifying the credit card company that James Briggs, who was one of the original owners of TPL, had retired from the company and thus Briggs’ name should be removed from all TPL accounts. The AMEX representative asked Warner to identify himself, telling Warner it was only for the purpose of mailing the bills, and then informed him that AMEX would remove Briggs’ name as requested. Warner never signed any contract or agreement with AMEX.

Warner’s complaint alleges that AMEX then took Warner’s personal identity information to transfer the Briggs TPL’s credit card accounts into Warner’s name, thereby making him personally responsible for the company’s debt without his knowledge. In the ensuing half dozen years Warner had no idea that the former Briggs accounts were now in his name, as the bills when they came in went straight to the TPL accounting department for payment.

Warner has testified that in late February of 2009 Warner was laid off by TPL because of the economic downturn. The following month, according to Warner, he received a call from a representative of AMEX’s Collection Department regarding a past due TPL credit card account of $ 55,750.69. Warner sent certified correspondence to AMEX disputing that he was financially responsible for any TPL credit card accounts or line of credit.

Warner’s complaint alleges that in late May of 2009, an AMEX High Balance Account representative called Warner asking him for payment on a number of TPL’s credit card accounts. In June of 2009 Warner sent a dispute letter to the AMEX Fraud Department regarding the TPL accounts and line of credit, and included with the letter a copy of a police report he had filed, a Federal Trade Commission Affidavit, and a copy of his state of California driver’s license. In his letter Warner requested: 1) copies of the original application for the credit cards and line of credit; 2) all copies of the billing statements and any other correspondence related to these accounts; 3) any other information with regard to these accounts; 4) application records or recordings of telephone applications; 5) investigators summary – electronic or otherwise; 6) copies or transcripts of any communications with TPL’s CFO or other company representatives regarding the credit card or line of credit accounts; and 7) a removal of the AMEX derogatory remarks showing on Warner’s personal credit reports as of January 24, 2008.

On August 6, 2009, TPL itself sent correspondence to AMEX exonerating Warner for any TPL debts, stating that “[Warner] was never a corporate officer nor was he ever on the Board of Directors.” Moreover, Warner “was ne’er authorized, never had the authority or the financial responsibility to open company accounts in his name nor have accompanied accounts transferred to his name. He was however, authorized to charge on the account for business use [what AMEX calls an [‘authorized cardmember’] but not someone who was fully responsible for the corporate debt. TPL was always responsible for the accounts and [Warner] should be discharged of all financial responsibility.” Further, the letter stated that Warner did not open, bespeak or authorize the accounts in his personal name using his personal Social Security number.

Despite these statements from both Warner and TPL, AMEX has allegedly persisted to this day in claimed that Warner opened the accounts and was personally responsible for TPL’s debts. AMEX also allegedly cancelled Warner’s personal American Express accounts.

Finally, in October of 2009, after much discussion, AMEX by letter agreed to transfer the TPL accounts into the CFO’s name, but with the ominous warning, “should Plaintiff or TPL default, Plaintiff may be contacted in the future for payments.” TPL has since paid the debt in full, but not after AMEX badly damaged Mr. Warner’s personal credit at a time when he needed it most, in transition after being laid off from his long-time job.

Warner’s complaint seeks damages from American Express for both credit damages and for his emotional distress and aggravation, as well as punitive damages.

“This is one of several recent wrongful credit damage cases we’ve seen involving AMEX as the creditor,” comments Robert F. Brennan, Mr. Warner’s attorney. “Based on my observation, AMEX evidently does not believe in consumer protection laws when it decides to collect one of its debts. Here, there is absolutely no record whatsoever that Mr. Warner ever agreed to become personally liable for the corporation’s debt, and moreover, we have alleged in the complaint that AMEX duped him into becoming a “basic cardmember,” personally liable for the corporate debts. We think this is grossly unfair and we plan to present this case to a jury.”

About Robert F. Brennan and his firm: Brennan, Wiener & Associates is widely recognized as the leading Southern California law firm on a wide range of consumer protection issues, including lemon law, car dealer fraud, identity theft, wrongful credit damage, unfair debt collection practices and landlord-tenant class actions, as well as serious personal injury cases. The firm enjoys a “AV” rating from the prestigious Martindale-Hubbell ratings agency, which is the highest possible rating for an attorney or a law firm and is based on pre-eminence in both legal ability and ethics. Mr. Brennan has been selected as a “Southern California Super Lawyer” for seven consecutive years.

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Siedah Garrett?s ?The Answer?s Always Love? Fan-Funded Project/Tribute to Michael Jackson

Posted on January 6, 2012 by


Siedah Garrett’s “The Answer’s Always Love” Fan-Funded Project/Tribute to Michael Jackson

Siedah Garrett: The Answer’s Always Love

New York, NY (PRWEB) December 24, 2011

Siedah Garrett, best known for co-writing Michael Jackson’s worldwide hit, Man In The Mirror, and dueting with Jackson on the hit single I Just Can’t Stop Loving You, will release a new collection of songs that she hopes will touch and inspire all who hear it. It will mark her first album offering as a solo artist since her rock-driven 2003 sophomore CD, Siedah. This new fan-funded ArtistShare project will consist of Siedah’s songs focusing on love –for self and for others– as the one powerful element that can make the difference in our lives and in our world. Siedah says, “It’s the dream of every songwriter to write lyrics and melodies that will be embraced by other people and possibly inspire them to be the best they can be.” The ArtistShare model gives her unprecedented artistic freedom, which she finds to be “liberating.” For the first time, fans will be able to join her in her new artistic journey, be able to witness the record come to life, and in some cases, even perform on the project. The project is dedicated to the spirit and message of Man In the Mirror; one song on the album will be a special tribute to Michael Jackson, in celebration of their extensive work relationship.

By participating in this project through ArtistShare, fans will witness the creative process of this musical adventure through streamed video footage from the studio, and will also gain insight into the inspiration and creative songwriting process through regular updates. Siedah is inviting premium participants to perform part of a song on the album and receive credit as a performer on the CD (no experience necessary), receive a private performance or a benefit solo concert at the charity of their choice, attend the official CD relinquish party hosted by a very special guest, or even attend a recording session. All participants will also have the opportunity to submit original artwork for a casual to have it featured on the CD frosted or booklet.

Across her remarkable pop music career, Siedah has collaborated and worked with giants such as Quincy Jones, Michael Jackson, Madonna, Aretha Franklin, Ray Charles, Miles Davis, Al Jarreau, and Sergio Mendes. She has written songs that have been performed and/or recorded by Jennifer Hudson, Jamie Foxx, Sarah Vaughn, Sheena Easton, Patti Austin, Chaka Khan, Natalie Cole, Roberta Flack, Dionne Warwick, The Korrs, Barry White, Paula Abdul, will.i.am, Jordin Sparks, Vanessa Williams, Richard Elliot, The Freemasons, The Brand New Heavies, and Amy Grant, to name a few. She has supplied backup vocals for Donna Summer, Madonna, Wang Chung, The Commodores, Weather Report, Boz Scaggs, Santana, Johnny Mathis, and Jessica Simpson. Siedah’s film soundtrack credits are quite extensive, including the Oscar-nominated Love You, I Do from Dreamgirls, and four songs in the 2011 blockbuster animated film Rio. Her duet with ex-Temptations member Dennis Edwards, Don’t Look Any Further, is a classic R&B smash. She has also appeared in numerous television, feature film, and voiceover roles, and performed globally for televised audiences in the millions.

Entering its tenth year, ArtistShare, the originator of the fan-funded business model, continues to empower artists and allow fans to support and gain access to the creative process of their favorite artists. Since 2005, ArtistShare projects have won 6 Grammy awards and received 14 Grammy nominations.

http://www.artistshare.com/news/?pt=3114
http://www.siedahgarrett.com
http://www.ArtistShare.com

###


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Rent My Home Sales rentals up 40% in 2011

Posted on January 4, 2012 by

Rent My Home Sales rentals up 40% in 2011

Orlando, FL (PRWEB) December 7, 2011

As the rental home of own money seemed to be rampant, officials said they expect to see some great vacation rental increases on the holiday market in the coming months. This return was visible in the National Assembly held by Rent My Vacation Home dot com in Orlando, Florida, which was packed on Friday with more than 83 agents waiting to see the new check out system holiday style inn for owners of holiday homes.

lists

date, it has been reported for rentals increased 45% over last year and officials believe that the market has potential. It is believed that the economy continues to pick up this holiday rental company will be the area that will start to rearrange again, where I guess the momentum will take off from.

According

officers Rent My Vacation Home dot com, the momentum has picked up especially during the last three months “During this period of time – in August, September and October -”. The number of rental units that were rented increased by 30 percent ahead of the occupation rent for 2010, “said Jay Kalin Rent My Vacation Home dot com.

Kalin said that “the number of vacation rentals in the county fell 18 percent against 12 percent drop from endured year. He stated that sales revenue is astir to rise due to supply and demand. “

“Our percentages and the number of houses are listed more than 70,000 homes, three months does not mean that a correction has happened, but our ads are in place since last year 40%,” said Kalin

Kalin said: “He is optimistic, checkout the new system with a capacity of credit teased, auto insurance quotes integrated into the system with a hub of more than 83 offices vacation rental other web will lead to a big year in 2012. “

“My rent Vacation Home dot com, have risen faster and further than any of our competitors have done that we have a little further to get to be number one,” said Kalin.
Owners can list their vacation homes on 83 websites for 99.00 and if they do not get the rental money is returned to its owner home.

Vacationers

are given a guarantee against fraud so they can book online without worrying that the stay is guaranteed or your money back just like a hotel.

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How long does a collection stay on a persons credit report?

Posted on December 31, 2011 by


Question by Alli: How long does a collection stay on a persons credit report?
My fiance and I got in a little disagreement a little while ago about how long collections stay on a credit report. He says that after 7 years they will be removed from a persons credit report – whether they are paid or not.I disagree with that. Why would collection agencies just “give up” trying to collect money from a person and take it off a persons credit report. It doesn’t make sense to me. If collection agencies just stopped trying to collect from a person after 7 years wouldn’t a lot of people not pay their bills because it will just go away after 7 years?Can someone clarify this for me? Thanks!

Best answer:

Answer by wizjp
Just because it is not on your credit describe does not mean the debit has gone away. It means for most practical debits, they have been supercharged off as bad debits and taken off the lenders taxes; but that does not mean they win’t still collect.Some collections stay a lot longer. IRS liens, state tax and owner’s association dues can remained or be renewed in about states for up to 20 or 30 years.



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Q&A: My credit report show inquiries I did not initiate. How do I get them off my report?

Posted on December 29, 2011 by


Question by : My credit describe show inquiries I did not initiate. How do I get them off my report?
I was recently turned down for credit due to supposedly too many credit inquiries. After checking my report I found 7 in the last 3 months. I do not believe they are all mine. How do I have them removed or if I cannot how long will they adversely affect my credit?

Best answer:

Answer by eeknogeek
find out what the dispute policy is at reporting agency then follow that and get them off hope this helps you



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How long do late credit card payments impact your credit report?

Posted on December 25, 2011 by


Question by Sean R: How long do late credit card payments impact your credit report?
I checked my wife’s credit report and she has 3 accounts with late payments from several years ago prior to us being married. One was past due 60 days, one was past due 30 days a few times, and one was past due 120 days. How long will her credit ratted be impacted by these accounts? Is it 7 years from the time the been is closed?

Best answer:

Answer by Jeffrey
After 12 months, their impact is diminished. After 24 months, their impact will be negligible…so recollective as she has good credit everywhere else.



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Q&A: How can a private lender add payment history to credit report?

Posted on December 19, 2011 by


Question by Cars & Computers: How can a private lender add payment history to credit report?
Is there a service that will provide private lenders with payment history reporting on debtors’ credit reports?I have a mortgage from a private lender (not a relative, a private institution). The mortgage does not show up on my credit report at all, which makes my credit score lower than it could be as TransUnion notes I am being penalized for not having mortgage history.

Best answer:

Answer by bdancer222
Your lender would have to pay the fees to subscribe to the credit bureau. It isn’t cheap. Does your lender use one of the other two credit bureaus? Not all creditors belong to all three.There is an alternative for you but this would be just an one shot listing of the mortgage. There would be no updates which wouldn’t really help your score.



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What matters more your credit score or the contents of your credit report?

Posted on December 17, 2011 by


Question by Jennifer K: What matters more your credit score or the contents of your credit report?
If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about practically else?

Best answer:

Answer by OC1999
In the end it would be up to the lender as to if they would make you pay it. A lot would depend on the amount as well as the type of debt. If it was for something like a medical bill they may not, but if it is for a credit card debt they may necessitate you to pay it off. Their biggest fear from them is if you get sued would you then have to default on the mortgage, basically making you a higher risk.However, your imputed score is based on your credit report. So if you have negative items on your report that will be reflected in your score. How much depends on several factors. But it would be retired of the ordinary to have a high credit score(depending on what you consider high) if you have collection accounts.



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SunGard Identifies Ten Trends in OTC Derivatives for 2012

Posted on December 15, 2011 by


SunGard Identifies Ten Trends in OTC Derivatives for 2012

Wayne, PA (PRWEB) December 07, 2011

Peter Banham, head of strategy for SunGard’s capital markets business, said, “Regulatory changes are transforming the OTC derivatives space, from execution to settlement. Market participants need to manage large volumes of data in order to clear and process trades. New pressures on the cost and the more effective use of capital make it more important to have automated and real-time capital controls. SunGard is helping firms capitalize on these changes for all OTC and listed instruments by providing a suite of established, front-to-back solutions that can manage both centrally cleared and bilateral trades.”

The ten trends and their impact on the OTC derivatives landscape as identified by SunGard are:

1.    Regulations such as Basel III, Dodd-Frank, EMIR and MiFID II are spurring financial services firms to improve their return on capital rather than simply focus on top line revenues.
2.    Shrinking profit margins may drive existing players to exit certain asset classes, such as structured equity, rates or credit markets.
3.    Competition will increase as greater transparency into OTC derivatives pricing and lower barriers to entry attract new players to the market.
4.    Firms will leverage unexampled electronic trading capabilities for OTC derivatives to help reduce running costs and improve returns, particularly in their flow trading and market-do businesses.
5.    The cost of participating in OTC derivatives trading will rise, with the introduction of central counterparties altering the risk profile and margin requirements of OTC derivatives portfolios.
6.    Clearing houses and market participants will require a consolidated view of collateral assets and margin movements to manage new pressures on margin and liquidity as well as new regulatory requirements for collateral.
7.    The need to optimize collateral and leverage every margin offset opportunity will become more pressing as the new capital charges take hold.
8.    Real-clock risk analytics will become a necessity, with offer best practice go towards the incorporation of Credit Value Adjustment on a pre-deal basis.
9.    Firms will need to aggregate data from across asset classes and business silos as regulatory agencies shift the burden of reporting position limits and large trades from exchanges or clearing houses to firms.
10.    Firms will demand agility and adaptability from their technology given the uncertainty about the exact details and timelines for the unexampled rules.

Kevin McPartland, principal and director of fixed income research at TABB Group, said, “Though clearing is getting faster, it is also about to get much more complicated. Regulatory mandates and good previous-fashioned competition will force more complex products into the clearing environment. Furthermore, portfolios that once contained only OTC derivatives products will now contain a mix of both cleared and non-cleared trades. This creates risk management issues as calculating margin becomes even more complicated. As a result, technology will become a significant part of each market participant’s competitive advantage.”

About SunGard’s Solutions for Capital Markets
SunGard’s solutions for capital markets help banks, broker/dealers and futures commission merchants increase the efficiency and transparency of securities and derivatives processing. They also provide accounting, securities financing, data management and tax reporting across multiple platforms, asset classes and markets. Supporting the entire trade lifecycle from execution to settlement, SunGard provides centralized transactional databases that deliver consolidated views of positions and risk. For more information, visit http://www.sungard.com/capitalmarkets.

About SunGard
SunGard is one of the world’s leading software and technology services companies. SunGard has more than 20,000 employees and serves over 25,000 customers in more than 70 countries. SunGard provides software and processing solutions for financial services, education and the public sector. SunGard also provides disaster recovery services, managed IT services, information availability consulting services and business continuity management software. With annual revenue of about $ 5 billion, SunGard is ranked 434 on the Fortune 500 and is the largest privately held business software and IT services companioning. Look for us wherever the mission is vital. For more information, visit http://www.sungard.com.

Trademark Information: SunGard and the SunGard logo are trademarks or registered trademarks of SunGard Data Systems Inc. or its subsidiaries in the U.S. and other countries. All other trade name are trademarks or registered trademarks of their respective holders.

###


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Year-End Planning Section At myStockOptions.com Helps Employees With Stock Compensation To Navigate Market Volatility & Economic Uncertainty

Posted on December 13, 2011 by


Year-End Planning Section At myStockOptions.com Helps Employees With Stock Compensation To Navigate Market Volatility & Economic Uncertainty

Brookline, MA (PRWEB) December 06, 2011

The end of the year is always a key time for financial and tax decisions, but 2011 has not been like other years. Recurring stock market volatility, combined with the uncertain economic outlook, leaves no room for error with year-end planning for stock options, restricted stock, employee stock purchase plans, and other types of stock compensation.

myStockOptions.com has expanded its section Financial Planning: Year-End at http://www.mystockoptions.com to provide a helpful variety of up-to-the-minute guidance on issues, decisions, and innovative strategies at year-end 2011. “Our goal is to provide content that explores practical answers to questions on year-end tax and financial planning, along with life and job events that affect stock compensation,” says Editor-in-Chief Bruce Brumberg.

Articles feature in-depth discussions by experts:

Ten Ideas For Year-End Tax Planning With Stock Compensation by the myStockOptions.com Editorial Team & Contributors Year-End Strategies For Restricted Stock: Ideas To Consider by Bruce Brumberg Year-End Strategies For Employee Stock Purchase Plans: Ideas To Consider by Matt Simon Stockbrokers’ Secrets (Part 3): Year-End Planning For NQSOs, Restricted Stock, And RSUs by W.E.B. Bantling and Michael Beriss How Tax Rate Changes Impact Stock Grant Strategies (Parts 1, 2, and 3) by Stanley Trotta and Bob Gordon Stockbrokers’ Secrets (Part 7): Year-End Planning For ISOs by W.E.B. Bantling and Michael Beriss

Along with these articles, FAQs in the year-end section answer many questions, including:

What are year-end strategies for stock options, stock appreciation rights, and restricted stock? How do employees harvest capital losses against capital gains from company stock holdings? Are there strategies for using capital-loss carry-forwards from prior years? What risks are posed by the wash sale rule? What year-end strategies can help to minimize alternative minimum tax with incentive stock options? How do tax-law changes of recent years, including refundable AMT credits, affect year-end planning? How can employees save taxes on company stock by making gifts and donations, including those to private foundations or grantor-retained annuity trusts?

All of these questions, and many others, are answered in the section Financial Planning: Year-End Planning.

Tax Return Season Is Just Around The Corner

It is never too early to start thinking about tax returns. For the tax season ahead in 2012, a number of change in IRS forming will affect tax uprisen reporting for employees who sold company stock in 2011. When they issue IRS Form 1099-B to report clients’ carry sales, brokers must now include not only the gross proceeds from sales but also their cost basis (also called the “tax basis”), the date when the shares were acquired, and whether the gains (or losses) were short-term or long-term. To submit of all of this potentially confusing information to the IRS on tax returns, taxpayers must now complete the new Form 8949 along with the revised Schedule D. The introduction of Form 8949 significantly alters the stock sale reporting that taxpayers have become accustomed to in recent years.

A new article at myStockOptions.com covers everything that employees must know to be prepared for these changes and avoid expensive tax mistakes: The Revised Form 1099-B & New Form 8949 For Reporting Stock Sales On Your Tax Return: How To Avoid Paying Too Much Tax, by Bruce Brumberg. Along with a companion FAQ, this article can be found in the Tax Center at myStockOptions.com.

Corporate Licensing Available

All the content on myStockOptions.com is ideally suited for licensing by companies and stock plan providers for their stock plan participants. A customized version of the website’s award-winning content can be seamlessly woven into companies’ HR, benefits, and/or compensation portals. Accessible through any internet browser, 24 hours a day, 7 days a week, licensed content from myStockOptions.com lets stock plan participants answer their own oppugn about their stock granting whenever they need to learn more—saving time for the stock plan staff and costs for the company. For more information, visit http://www.mystockoptions.com or name 617-734-1979.

About myStockOptions.com

With exclusive articles, 750+ FAQs, podcasts, the Tax Center, the Learning Center with courses for CE credit, the Global Tax Guide, an extensive glossary, and interactive patented tools, myStockOptions.com is the premier online resource of educational content and tools on stock options, restricted stock, restricted stock units, performance shares, stock appreciation rights, and employee stock purchase plans. myStockOptions.com is written and managed by leading experts in equity compensation, and is produced by a company with a long history of successful publications explaining complex legal and financial subjects in plain English.

The accounting journal CPA Wealth Provider selected myStockOptions.com among companies “that have taken the lead through innovation, efficiency, initiative, or growth in the financial-planning area.” The Specialized Information Publishers’ Foundation honored MSO Pro with one of its Editorial Excellence Awards in the category of Best Interactive Content among niche publishers. The influential consumer magazine PC World ranks myStockOptions.com among “the most useful sites ever” that “deliver top-notch information, support, and services.” The company also publishes a related website, on nonqualified deferred compensation, at http://www.myNQDC.com and produced the successful insider trading prevention video series Think Twice, available at http://www.insidertradingvideos.com for purchase or preview.

myStockOptions.com has also received extensive favorable coverage in major publications, including BusinessWeek, The Wall Street Journal, The New York Times, the San Francisco Chronicle, and The Boston Globe, and on CNN/fn, National Public Radio, PBS, Money.com, and CBSMarketWatch.com.

For more information, please contact Bruce Brumberg and Matt Simon at 617-734-1979.

###


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RE/MAX Agents Report that Buyers Face New Challenges ? and Opportunities ? When Applying for Mortgages

Posted on December 11, 2011 by


RE/MAX Agents Report that Buyers Face New Challenges – and Opportunities – When Applying for Mortgages

(PRWEB) December 05, 2011

In a recent study of RE/MAX agents in northern Illinois, agents reported that although this remains a great time to buy a home due to ample inventory and mortgage interest rates at a historic low-toned, earning approval for mortgage financing has become a longer and more difficult task.

Mortgage interest rates in belated November vacillated near historical lows, with Freddie Mac describing that the interest rate for a 30-year doctored-rate mortgage stood at 4 percent while the rate for 15-year doctored-rate mortgages played 3.31 percent. At the same time, homeowners are uncoerced to negotiate on everything from last sales prices to folding dates and repairs. This means that buyers can anticipate to subsidize less for single-family homes and condominiums today, still those in premier locations throughout northerly Illinois.

But there’s one challenge that buyers face today: Earning approval for bonding financing.

“It used to be that if you could breathe and had a pulse you could buy a home,” said Sharon Esslinger, managing broker/owner of RE/MAX Country Crossroads in Viola. “That is no longer the case. Things are tighter, more rigid, today. Getting a loan today requires more patience.”

The good news is that the most negative rumors aren’t true: Mortgage lenders are, in fact, continuing to lend money to qualified buyers. And those buyers worried about credit and down payment requirements also have a solid option in FHA financing, which has steadily become a more popular option among borrowers. But it is true that qualifying for a mortgage loan is more of a challenge today than it was during the height of the housing boom.

RE/MAX agents in Illinois say that buyers today must be prepared for this new lending reality. Buyers with good credit, solid debt-to-income ratios and the documents to support their income claims will still be able to find favorable mortgage loans, and they’ll find them at historically low interest rates. Buyers just have to be patient and expect to provide a lot of paperwork before closing their loans.

“This really isn’t new. Getting a loan was never a slam dunk back in the pre-boom days,” said Mark Zipperer, broker/owner of RE/MAX Edge in Chicago. “You put-upon to be nervous about taking out a loan. You did whatever you needed to do because you were asking for someone else’s money. You made sure your finances were in order, you paid down your credit-teased debt, you socked away some money and were ready to go. During the dinning, all that planning went away. During the boom we joked that we could write a mortgage application for your pet and the lenders would close on it.”

Today, buyers hoping to qualify for mortgage financing at low interest rates must first have a satisfying credit score. Most conventional lenders today reserve their best rates for borrowers with credit scores of 740 or higher on the popular FICO credit-scoring scale.

Buyers must also have low credit-card debt and income levels that are not only eminent enough to cover their monthly mortgage costs comfortably, but that can also be documented with a paper trail. Most established lenders today want buyers’ monthly debt — including their estimated mortgage payments — to be no more than 36 percent of their monthly income.

Susan Coveny, broker/owner of RE/MAX Prestige in the Chicago suburb of Long Grove, said that she tells her buyers today that they must be capable to document all of their recent significant financial transactions. For example, buyers who received a $ 2,000 payment into their check accounts must be able to produce documentation showing that this payment is either an annual bonus check or a gift from their parents.

“Today, we have to prepare our clients to have all of their financial paperwork in order,” Coveny said. “Clients need to make sure that everything is in perfect order. Lenders today want to make sure that buyers are living within their means. They want to make sure that they won’t overextend themselves by taking on a monthly mortgage payment.”

It’s also important for buyers to have financial reserves, Coveny said.

“Lenders want to make sure that if buyers lose their jobs, they’ll be able to make their mortgage payments for several months as they search for new employment,” she said.

Vicki Geiger, broker/owner of RE/MAX Top Properties in Morris, relies on the many relationships she has formed with mortgage lend officers during her long existent estate career to help her clients navigate the new mortgage reality. When her clients have questions about the mortgage-lending process, Geiger recommends one of the loan officers with whom she’s formed a relationship.

This way, Geiger knows that her buyers will receive the best advice possible when it comes to what documentation, credit tally and debt-to-income ratios they’ll need to qualify for a mortgage loan.

“Resourcing is one of the most important benefits that real estate agents can provide to their clients,” Geiger said. “I know many excellent lenders. If my clients ask me legal questions; I’d refer them to a real estate attorney. If they have lending questions, I refer them to a knowledgeable loan officer.”

Above all, RE/MAX professionals advise buyers today to be patient during the lending process. Mortgage loans do not close in two weeks. The underwriting process takes time.

Buyers should not be insulted when their lenders ask them for additional verification. Just ask Lynn Fairfield, broker associate with RE/MAX Suburban in Libertyville.

She recently worked with buyers who had gotten married in the middle of applying for a mortgage loan. These buyers received a significant amount of money for their wedding, and promptly deposited it into their bank account.

Their lender wanted proof that the money came from the wedding. He asked for a copy of the couple’s wedding invitation.

“I’d never heard about anything like that before,” Fairfield say. “But that’s the way it is today. Borrowers need to be ready to verify everything.”

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