Great Speakers on Marketing and Success in today's economy...In Sacramento on June 19th & 20th

Hi Everyone,

I have my blog on avtiverain but want to get the word out to more people on activerain about our new loan modification service to help homeowners save there homes from forclosure.

What is the be way to do this without spamming? How do I get more hits on my blog?

I truly believe I have put out some great infomation on my blog and want to help more homeowners save their homes. We have some of the best attorneys working for us to make this happen.

Jennifer

StrategicCreditCoach.com

877-825-7885

I'm moving my office space around the corner to a much larger office with a training room.

We are going to have a lot of extra office space.

There will be about 4 extra cubicles that will be set up for a professional that wants a inexpensive office space that includes internet and ultilities.

I'm going to rent the cubicle space for $195 to $295, depending on whether you need space for 1 or 2 people.

These spaces will be semi-private and you will have access to our confernce table.

Call for more details 877-825-7885

Jennifer

StrategicCreditCoach.com

Fair Oaks, CA

THIRD ANNUAL FAIR OAKS CHICKEN FESTIVAL
SATURDAY, SEPTEMBER 20TH (8:00AM – 8:00PM)
PRE-FESTIVAL BARBEQUE ON FRIDAY, SEPTEMBER 19TH (6:00PM – 10:00PM)

SCHEDULE OF EVENTS:

Friday, September 19:

6:00pm to 10:00pm – Pre-Festival Barbeque
Village Park (4238 Main St)

Come join us for a Chicken BBQ with all the fixings.  No Host Bar

Adults:                                      $15.00
Children (10 and under):      $10.00

Featured Band:  Blues Farm Band

Tickets will be available beginning August 4th at the Fair Oaks Recreation and Park District office.

At the Festival
Saturday, September 20
8:00am to 8:00pm
Free Admission!!

8:00am to 10:30am – "Old Time Country Breakfast"
Sponsored by the Orangevale/Fair Oaks Grange
Fair Oaks Community Club House, upper level

All you can eat for $5.00 per person (tickets at the door)
An old fashioned farm breakfast buffet featuring eggs, sausage, bacon, French toast, biscuits and gravy, juice and coffee
--- a great way to start your day at the Festival.

BANDS

     10:00am to 8:00pm – Music to Sooth the Savage Chickens
     On the Chicken Festival Stage … Junction of Fair Oaks Blvd. and California

     10:00am to 12:00pm –(Plaza Park) - Lightning Hand Band
     11:00am to  1:00pm - (Village Park) - Blues Farm Band

     12:30pm to 2:30pm – (Plaza Park) - Mumbo Gumbo
       1:30pm to 4:30pm - (Village Park) - Lightning Hand Band

     3:00pm to   5:00pm  - (Plaza Park) - Marshal Wilkerson Band
     5:30 pm to 8:00pm (Plaza Park) - Jeff Watson Band

10:00am to 8:00pm – Food and Craft Vendors
In and Around the Village

10:00am –4:30pm Barbeque Chicken Cook-Off COMPETITION
Village Park (4239 Main St.) DOWNLOAD THE BBQ COMPETITION APPLICATION HERE!

     See Pro’s and amateurs in action; the BBQ’s light up at 10:00am and
     Judging begins at 4:00pm.

10:00am to 8:00pm – Kids Activities
Plaza Park

11:30am to 7:00pm – Microbrewery BeerTasting with music to sip by provided by "J's House", performing again for your listening pleasure. - Presented by the Fair Oaks Rotary Club
In and Around the American River Bank Parking Lot Fair Oaks Blvd.

Featuring the following Microbrewers:

• New Belgium Brewery – Fat Tire
• Lost Coast Brewery
• Killian’s Irish Red
• Blue Moon Brewing Company
• Alaskan Brewing Company
• Rubicon Brewing Company
• Sierra Nevada Brewery
• Beermanns Beerwerks Brewery
• Sacramento Brewing Company
• Lockdown Brewing Company

Q & A's for September 2008

Hello,

Regarding a corporate credit card account that was about to charge off and was not yet currently reporting on the client's personal credit report, A bank rep offered a settlement and told my client that the "pursuant to federal guidelines" the bank had to report the business debt charge off as "settled" on his personal account. Is this true?

As I understand it, there is no legal requirement for creditors to report any information to the bureaus.  The only FCRA requirement is that IF the credit bureau reports information that they make a reasonable attempt to make sure it is ACCURATE.

Aside from the FCRA, there are some examples of child support and student loan obligations that are mandatory to report, but not credit card debt.  I think your client was fed a line.

Thanks for your questions everyone, keep them coming.

Email guru@scchelp.com or call 877-825-7885

Q&A's for September 2008

Re: I have been asked this several times - How would you respond?

I’m a loan officer who tries to help my clients with their credit and have had several people contact me with fair to good credit and they are going to be late on their mortgage payment due to a higher mortgage payment. They are concerned of their credit score dropping due the late payment.

Is there a way to negotiate with the bank once they are 30 to 60 days late to settle for deletion of the late payment before they become current? Thanks

We have a client with good credit score that had 1x30 late with a well known lender. We made 4 or 5 phone calls to have them delete the late but they were firm: "No courtesy deletion. This is C______wide policy!!!"  It doesn’t hurt to have the client ask though.

The client may want to work on a modification program that may accomplish what they are seeking in a refinance.  Calling the lender is usually not enough.  They may need an experienced modification negotiator.  In many cases, modifications are easier to obtain than you may think.  There's no reason to suffer through high payments or risk foreclosure without negotiating a loan mod.

If you need help let me know.

Jennifer

StrategicCreditCoach.com

877-825-7885

Q&A's for September 2008

Re: Check System derogs

What is the best way to resolve issues when credit reports reflect overdraft issues?

Example: When checks that bounce and the customers are tagged within the Check System on their black list. Is there a way these clients can get back into good standing and get the issues fixed on their reports.
Regards
Sam

Sam,

So was the client never overdrawn?  In other words, did they never write any bad checks? If so, it most likely stay on Check Systems for up to 5 years, but you can get an account with some banks in as little as six months. If it is truly their bad debt, make sure they pay it as soon as possible.

Jennifer

StrategicCreditCoach.com

877-825-7885

Q&A's for September

Re: Help with a collection account

Hello,
I have a client that has a collection for a “What’s In Your Wallet” card from 12/07.  Her ex-boyfriend took the card from her without her knowledge from her purse and charged it up.  She didn't recognize it was gone because she never used it.  The bills were going to her mom's house so she never got them.  How can I help her with this?  Does she need to file a police report?   

Thanks  Rick

Rick,

Yes, file a police report and then follow my post on identity theft.

Jennifer

StrategicCreditCoach.com

877-825-7885

Is there any truth to this...?

Lately, I have been speaking with others who say that all credit repair services are basically the same, but not all get the same accommodating help from the credit bureaus.

That if you are not a law firm working directly with the legal department of each bureau you are in the waiting line with everyone else trying to get their credit fix.  BUT if someone were to use a law firm to have the credit cleaned up they would be dealing with each bureaus legal department.  This allows for better service and quicker, long lasting results.

Can you comment on this?

Sincerely,

Becky

Becky,

I can't say for sure, but I have been successful without using letters on attorney letterhead.

We do have two attorneys on staff but it does not seem to make a difference whether it’s the consumer, a credit repair person, or an attorney, as long as the dispute is valid and if your not doing on it on your own the person you are working with is reputable.

Jennifer

StrategicCreditCoach.com

877-825-7885  

Welcome to this weeks Q&A

Question:

I have a question sir:
To get an account removed due to age of
account, is it 7+ years from DLA with
the original creditor or 7+ years since
DLA with the collection company?

Thank you.


Reply:

For an example like that (acct that went to collection) they should both come off no later than when the original acct went to derog status.

Now, having said that, I think we all know that some collection agencies are sneaky and will attempt to report it with a more recent date assigned causing it to stay on much longer than allowed so keep an eye on it.

For more information call 877-825-7885

Feel free to submit any credit questions.

StrategicCreditCoach.com