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Boa rental card insurance

If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, proves to be accurate, there is little you can do about it.

Only the passage of time will guarantee that information's ultimate removal from your file. The reporting companies will generally list negative credit information for seven years, and bankruptcy information will remain on your report for ten years. The time limits generally begin being counted from the time the event initially took place.There are other limitations, as well,card boa rental insurance such as unpaid judgments against you. Those can be reported in your credit file either for seven years or until the statute of limitations for that particular type of judgment expires, whichever is longer. However, there are no limitations as to how long criminal convictions may be listed. The same is true for information that was reported due to your applying for employment that would pay more than $75,000 a year, or because you've applied for credit or life insurance in excess of $150,000.If you decide to seek professional help, the Credit Repair Organizations Act (CROA) has clearly detailed your rights as a c onsumer. You must be given a copy of the booklet "Consumer Credit File Rights Under State and Federal Law" BEFORE you sign any legal contract with an organization. Your contract must be in writing, and must clearly spell out all your rights and obligations. Of course, it's then your duty as a diligent consumer to read all the documents you're given, and then to ask questions if they contain anything you don't understand BEFORE you sign.The CROA contains a number of quite specific provisions designed to protect consumers. The most obvious provision is that no credit repair company can make deliberately false or misleading claims about the services they're capable of providing to their clients.There are a number of specific points that must be clearly addressed in a contract with a credit repair company. The company’s name, address, and contact information must be included, the contract must specify the total cost for their services, as well as a detailed description of the services they'll perform in order to earn those fees. The time frame for the work’s completion must also be clearly specified, as well as any guarantees they may offer for their services.You can't be charged up front for a credit repair company’s services, and you can't be required to pay until they've performed all the services they initially promised you in the written contract. Credit repair companies are also prohibited from performing any services in your behalf until you have signed a written contract and then have been given a three-day waiting period. At any time during those three days, you have the right to cancel your contract with a credit repair company without being required to pay any fees.Don't let your difficult financial situation blind you to your rights under the CROA. You have specific rights when it comes to dealing with credit repair companies. Insist on them. 2

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The Public Employee Retirement System is for government employees except for teachers and students. This is a mandatory membership and all members should fill out a form of application at the beginning of their employment. It is a benefit plan that gives benefits to employees once they retire. This will be based on the number of years they rendered service and on their average salary.

The Public Employees Retirement system also covers survivor and disability protection. The system also allows those with 30 years of service to file for an early retirement. They also provide death benefits and beneficiary benefits. Every Public Employee Retirement System of every state is committed to ensuring the retirement benefits of every employee.

Contributions are deducted from the employee's payrolls. The amount may vary for every employee depending on their retire plan and coverage. Currently, the contribution rate is 8.5 percent of the salary of an employee and will increase up to 9.5% in the year 2007. Employer contributions however, range from 13 to 17%.

The benefits that you will get once you retire are dependent on your contribution and position as well as your employer's contribution. The benefits are fixed depending on the legislation set by every state. That is why it is always recommended for members to know their benefits and coverage so that they can get the most of their contributions once they retire.

Although the Public Employee Retirement System is compulsory for all employees, there are still criteria that you have to meet to become a member. Here are the criteria that you need to meet to become a member for most states' Public Employee Retirement Systems:

1. The applicant should be a regular employee and the annual salary of the applicant should be $1,500 or higher.

2. The applicant's position should be under the coverage of the Social Security System.

Generally, these are some of the most common grounds for ineligibility:

1. If the person does not meet the minimum annual salary required which is $1,500.

2. If the applicant is not covered by the Social Security.

3. If you are a temporary employee

4. If you are currently employed by the Job Training Partnership Act and being paid by their federal funds.

5. Students who are employed by their schools and universities where they attend regular classes sometimes may not qualify for the PERS.

6. Inmates in correctional institutions are not eligible.

7. Mental health and retardation patients do not qualify for the Public Employee Retirement System.

Get Rid of Some "Extras"

The key to financial freedom is building wealth. The key to building wealth is eliminating all your extra bills so you have money to save. The average consumer's credit report carries quite a burden from these bills as well. Let's start with what hurts the most. Eliminate any habits you currently have. Most habits cost money and if it's a habit it can't be healthy for you in the long run anyway. Smoking, drinking, candy, coffee, collecting junk, etc. You will be surprised how much cash you pocket if you just quit 1 or 2 of the above (if any apply of course). By giving up a habit you are not only saving money and maybe even your health, but you are also gaining self-discipline helping you mature financially.

Food: Dine In or Carry Out

Let's look at the two separately AND together. If you eat out once a week, even at $25 you are spending $100 a month. Pretty simple math. Let's say you get carry-out (drive-thru) 3 times a week at $5 per visit. This equals $60 a month. These figures are below average, but even so, this is $160 in 1 month that could be used to eliminate some smelly debt. Pack a lunch for work. Try cooking at home. It's a fraction of the cost, it tastes better than "fast food" and it is usually healthier. If you can't eliminate eating out then try cutting it in half for starters.

Grocery List (or lack thereof)

Many consumers head to the grocery store with no plan or list. BIG mistake. This is what grocery stores are designed for. Go ahead, walk down each aisle and tempt yourself with row after row, shelf after shelf of junk food, extra stuff that you don't need. A list could save you 50% alone - that much more to wipe out those irritating loan payments. A grocery list serves two purposes. It saves you quite a bit of money which you notice immediately. Secondly, it allows you to be more prepared for the upcoming week, month or however often you shop. You can make out a daily meal plan ahead of time so you know exactly what you need to purchase and approximately how much cash you will need.

Sell Some Stuff

Everyone has stuff lying around collecting dust. Remember the saying "One man's trash is another man's treasure."? You could probably knock out a couple of stagnate bills with some of those collectibles sitting in a box in the closet. You would be surprised to know that an object you have absolutely no interest in could sell on an auction site and pay off that hospital bill that's been chasing you around like a mad hornet.

Cash, Cash, Cash

Only buy with cash. Plastic looks the same when you spend it. Dollar bills disappear and you will feel the impact when you start to get a shortage of it. Start a cash envelope system - at least one for gas, food and clothing. Like any new system, it will take a few times before you get the right amount in the envelopes. You will start to notice a large impact on your budget though and will find it worth while. If you buy something with cash you don't owe on it. You might think a little longer about it too when you hold on to that $100 bill. If you apply the various techniques and ideas in this article you will start to knock chunks off your overall debt. This will get you closer to achieving financial freedom and your credit report will begin the long awaited healing process. Start today!

To read more about how you can get your online credit report free with no obligations, see what is on your file and clean up your credit report go to

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