Credit and Debt Solutions

VR-Tech Business Opportunity Call Use call number (712) 432-9614, PIN 48177

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Wed, 09 Dec 2009 11:47:20 -0600

I am sure you are aware that negative credit is a major problem that plagues millions of people in this country today. Without a doubt, it is the number one issue that prevents the overwhelming majority of your clients from realizing the American Dream of home ownership. We know that in the real estate and mortgage business you may have to contact dozens of prospects in order to find five to ten people whose credit is good enough to qualify for a home loan. That low percentage has been an accepted part of the business for years.

At United Credit Education Services, we have developed a process by which we work with consumers to research outdated, inaccurate and unverifiable information on their credit reports to improve their credit profiles. This service could help some of your prospects and put your company on the road to incredible growth. Imagine being able to recover potentially lost revenue from people you previously had to turn away. I'm sure you can see how this service could increase the number of transactions that you will be able to close. More importantly, this service could enable your clients to qualify for lower interest mortgages. That will make higher loan amounts affordable and enable them to buy the home that they really want.

At UCES, we feel that by utilizing our service, your company will be able to give many people the opportunity that they are looking for. You can contact the people you have been unable to help due to credit problems and give them the chance to purchase a home or reduce their debt by refinancing.

Please give me a call for more details about our product. I will gladly show you how we can help your clients achieve their full credit potential.

Join us TONIGHT 8:00 PM for the VR-Tech Business Opportunity Call Use call number (712) 432-9614, PIN 48177

Or Contact me directly at 248-830-4832 tim_thrift@yahoo.com

United Credit Education Services - Products and Services Webinar

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 05 Dec 2009 13:13:52 -0600

Please Join Us! This Tuesday Dec. 8th at 8:00 PM. Invite a guest.

Please remove text above this line.


	United Credit Education Services - Products and Services

Are you like eight (8) to nine (9) out of 10 people impacted by the chaotic Credit Crises that has riddled the US economy? Is your current credit score below 740? Would you like to know how your credit score is calculated? Would you like to learn about the Best Credit Education, Restoration and Rehabilitation program on the market and in the industry?

If you've answered yes to one or more of the above, then you need to join us for this power packed information sharing session.

Register for a session now by clicking a date below:

Tue, Dec 8, 2009 8:00 PM - 9:00 PM EST

Tue, Dec 15, 2009 8:00 PM - 9:00 PM EST

Tue, Dec 22, 2009 8:00 PM - 9:00 PM EST

Once registered you will receive an email confirming your registration
with information you need to join the Webinar.

System Requirements
PC-based attendees
Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees
Required: Mac OS® X 10.4 (Tiger®) or newer

Value Loan Mods and Value Short Sales

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Fri, 20 Mar 2009 11:19:02 -0500

STOP FORECLOSURE! YOU HAVE OPTIONS!

If you are facing property foreclosure, you might be confused about your rights as a homeowner. Financial stress can make everything seem so much worse than it really is. It's time to take a deep breath and explore your options. You can stop foreclosure using an easy way known as short sale or loan modification.

What is a short sale?

A short sale will stop foreclosure and it is a faster and easy way to avoid foreclosure, in fact. A qualified representative can negotiate with your mortgage lender to get the lender to accept less than what is actually owed on your home. If you are at least one payment behind and are represented by a qualified specialist, this is a very likely option.

What is the best Loan Modification?

The best Loan Modification for the homeowner not only allows the homeowner to stay in their home but also creates a a plan for long term success for the homeowner. This means that you will, as a result of the Loan Modification, be able to maintain your home and recover from what ever your financial crisis is over time, knowing your home is safe from foreclosure.

Do not let a foreclosure ruin your credit, carefully examine the short sale option along with other stop foreclosure alternatives, for instance, loan modification.

What is Debt Settlement?

Debt Settlement can help free up money and save you thousands of dollars.

Types of Unsecured debts which may be put into this program are: Bank Credit Card Debts, Store Card Credit Card Debts, Credit Union Credit Card Debt, Non Government Issued Student Loans, Medical Bills, 2^nd Mortgages from foreclosed home.

This program works! It is a unique program which utilizes debt settlement through a Law firm to substantially reduce your debt.

The entire program will cost approximately 55% of what you owe legal fees included, payed in affordable monthly installments.

CALL TODAY! 248-830-4832 or visit www.myvalueloanmods.com or tim@myvalueloanmods.com

Prepaid VR-Tech MasterCard - Can help your client's!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 03 Jan 2009 07:00:45 -0600

Please

Stick with me on this one. I do believe that this product can be beneficial to your client's both for the Realtors and Loan Officers.

The VR-Tech MasterCard is a prepaid debit card. It functions just like any other debit card from your bank or credit union. However the prepaid VR-Tech MasterCard does something that your typical bank or credit union debit card does not do. That is the prepaid VR-Tech MasterCard has a credit builder feature.

Here is how it works:

1. Enroll into the Prepaid VR-Tech MasterCard at no cost click here.

2. Activate AccountNow Bill Pay and add the FREE AccountNow Credit Builder service.

3. Every time you make a bill payment with AccountNow Bill Pay, we will send your bill payment information to PRBC, a national credit reporting agency

4. Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already to today - - paying your rent, electric, cable, insurance, and phone bills on time.

5. Only Bill Pay transactions will be shared with PRBC. Regular debit transactions using your AccountNow Prepaid MasterCard will not be reported to PRBC.

Who uses PRBC?

Home loan associations like Freddie Mac and Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision making process for home loans.

Soon, other companies including auto loan, credit card, and insurance companies may start using Bill Payment Scores to comply with the Nation's Fair Housing and Fair Lending laws.

Click here to read the PRBC press release. FHA Encourages Lenders to Use Regular "Bill Payment" Data to Approve Mortgage Loans. New FHA Guidance: PRBC Bill Payment Data Preferred for Establishing Consumer Credit Reports and Scores for "Thin" File and No Credit Score Applicants

For additional information on the Prepaid VR-Tech MasterCard please contact me at 248-830-4832, email tim@tjtfinancialservices.com or visit the website click here.

Tim J. Thrift - "Providing Credit and Debt Solutions That Work!"

VR-Tech Marketing Group & United Credit Education Services Credit Webinar

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Thu, 01 Jan 2009 20:43:41 -0600

VR-Tech Marketing Group & United Credit Education Services

United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.

Register for a session now by clicking a date below:

Wed, Jan 7, 2009 8:00 PM - 9:00 PM EST

Wed, Jan 14, 2009 8:00 PM - 9:00 PM EST

Wed, Jan 21, 2009 8:00 PM - 9:00 PM EST

Wed, Jan 28, 2009 8:00 PM - 9:00 PM EST

Wed, Feb 4, 2009 8:00 PM - 9:00 PM EST

Once registered you will receive an email confirming your registration
with information you need to join the Webinar.

System Requirements
PC-based attendees
Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees
Required: Mac OS® X 10.4 (Tiger®) or newer

Contact Tim Thrift at 248-830-4832 or email tim@tjtfinancialservices.com

CREDIT REPAIR AND THE LAW PART 2

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 22 Nov 2008 19:06:43 -0600

Hello, my name is Tim J Thrift Independent Agent and Qualified Field Trainer with United Credit Education Services.

With the recent down turn in the economy and the credit crunch there have been many unfortunate cases where consumers have been taken advantage of and wrongly represented by Credit Repair Companies. Rightfully so the FTC (Federal Trade Commission) has began "Operation Clean Sweep" In which some 36 so called credit repair companies have been shut down.

As a result of this crack down I have come across much resistance from inquiring consumers about United Credit Education Services Credit Restoration and Education Program. The first question they ask. Is credit repair legal? My answer is YES it is legal and then I explain how it is legal. As a consumer you have a legal right to dispute any inaccurate, erroneous and obsolete information that is negatively impacting your credit score under the FCRA (Fair Credit Reporting Act). You may Google the FCRA Fair Credit Reporting Act to read or visit the ftc.gov site. Warning this is an 80 plus page document full of legal jargon that will mostly likely put you to sleep. In addition to that I explain to them that United Credit Education Services is in full compliance with the CROA (Credit Repair Organization Act). The CROA is the act or law that mandates compliance of credit repair companies. The very law that is shutting down these credit repair companies who a wrongfully doing business. Below I have copied from the ftc.gov website to show example of this explanation of the CROA.

SEC. 402. FINDINGS AND PURPOSES.(3)

(a) Findings.--The Congress makes the following findings:

(1) Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations which offer to improve the credit standing of such consumers.

(2) Certain advertising and business practices of some companies engaged in the business of credit repair services have worked a financial hardship upon consumers, particularly those of limited economic means and who are inexperienced in credit matters.

(b) Purposes.--The purposes of this title are--

(1) to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and

(2) to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

The second question I am getting is. Is it illegal to charge an upfront fee for credit repair service? Folks this is one area of this business that absolutely just makes me want to scream because of this reason. Any place you go on the internet such as ftc.gov and certainly the credit reporting agencies Trans Union, Equifax and Experian you will read that it is illegal to charge upfront fees for credit repair before any services has been provided. And it is illegal under the law to charge upfront fees. But here is what you will not be told or read unless you go directly to the CROA and read the law. I have provided a copy of the law from the ftc.gov site notice highlighted in below. (B) does not include--

SEC. 403. DEFINITIONS.(4)

For purposes of this title, the following definitions apply:

(1) Consumer. -- The term 'consumer' means an individual.

(2) Consumer credit transaction. -- The term 'consumer credit transaction' means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

(3) Credit repair organization. -- The term 'credit repair organization'--

(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of--

(i) improving any consumer's credit record, credit history, or credit rating; or

(ii) providing advice or assistance to any consumer with regard to any activity or service described in clause (i); and

(B) does not include--

(i) any nonprofit organization which is exempt from taxation under section 501(c)

(3) of the Internal Revenue Code of 1986;

(ii) any creditor (as defined in section 103 of the Truth in Lending Act),(5) with respect to any consumer, to the extent the creditor is assisting the consumer to restructure any debt owed by the consumer to the creditor; or

(iii) any depository institution (as that term is defined in section 3 of the Federal Deposit Insurance Act) or any Federal or State credit union (as those terms are defined in section 101 of the Federal Credit Union Act), or any affiliate or subsidiary of such a depository institution or credit union.

(4) Credit.--The term 'credit' has the meaning given to such term in section 103(e) of this Act.(6)

United Credit Education Services does charge an upfront fee and has a number of flexible payment option in which consumers can pay for our credit restoration and education service. Currently UCES is compliant with (i) any nonprofit organization which is exempt from taxation under section 501(c) and (iii) any depository institution (as that term is defined in section 3 of the Federal Deposit Insurance Act) or any Federal or State credit union (as those terms are defined in section 101 of the Federal Credit Union Act), or any affiliate or subsidiary of such a depository institution or credit union. United Credit Education Services is a member of a CUSO (Credit Union Services Organization) and affiliated with a Credit Union. Therefore we can legally charge an upfront fee.

Even though I have shared this information in a blog my intent is to inform and protect our Independent Agent and the Consumer. What separates United Credit Education Services from other credit repair companies is the following.

Money-back guarantee!
Members of the BBB.
Outstanding deletion rate!
Monitor your file's progress around the clock 24/7/365.
Testimonials from happy, satisfied clients.
100% compliance with the FTC and CROA Acts.

Tim J Thrift

http://www.vrtechmarketinggroup.com/tthrift/

248-830-4832

Webinar and Live Seminar

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Wed, 19 Nov 2008 07:53:51 -0600

Please Join Us!

WEBINAR TONIGHT!

United Credit Education Services Credit Restoration and Education Webinar tonight at 8:00-9:00 PM

Click below to register

Wed, Nov 19, 2008 8:00 PM - 9:00 PM EST

Live in Royal Oak TOMORROW!

United Credit Education Services Credit Restoration and Education Live Seminar 7:00-8:00 PM

Location: Caribou Coffee

(Between 13 and 14 Mile Roads on Woodward and Normandy in the Normandy Plaza.) West Side of Woodward.

31901 Woodward Ave.

Royal Oak, MI 48073

PLEASE RSVP as seating is limited to Tim Thrift at 248.830.4832 or e-mail: tim@tjtfinancialservices.com

Credit Restoration and the Law

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sun, 16 Nov 2008 09:22:36 -0600

The credit reporting agencies will never produce accurate credit reports. What? You might be even more surprised to know that congress has acknowledged this fact and created legislation that virtually guarantees a continuation of credit reporting errors and the necessity for vigilant credit restoration. That's Right? This legislation is called the Fair Credit Reporting Act (FCRA).

The FCRA Problem

You may understand the FCRA as the wonderful federal law that outlines credit repair procedures and allows you to dispute errors on your report. Or maybe you understand it as the law that imposes responsibility and accountability on the credit reporting agencies, and, oh, where would we be without it? Okay, there is no doubt that the FCRA limits the potentially catastrophic damage that the credit reporting agencies would impose on an unwary public, but it also tolerates major errors, and by doing so guarantees that they will exist for the foreseeable future.

A Big Social Cost

The law is a wonderful thing. It protects the innocent and maintains a semblance of social order. But the scales of justice tip two ways, often insulating the offender in a cozy blanket of due process. In the case of the FCRA the law is designed to impose a reasonable degree of responsibility on the subject industry, without overburdening them with excessive and costly guidelines. And this last point turns out to be the problem, at least as far as the one hundred million consumers who are paying premium interest rates because of errors on their credit reports.

The Credit Repair Balancing Act

So what does this all mean? Understand that lawmakers face tough decisions. The credit reporting agencies are massive business entities, and guess what? We can't exist without them. Well, maybe we could, but the business world is completely dependent, totally addicted to credit data. The credit reporting agencies each manage credit files on sum 200 million Americans along with billions of data updates each day. Errors are inevitable. You can't just tell them to adopt a zero-tolerance policy towards errors. It would cost too much and potentially make it impossible for the credit reporting agencies to stay in business.

What about You?

So what about you and the errors on your reports? Congress is not unsympathetic, and wants you to facilitate your credit restoration efforts and fix the mistakes that might keep you from getting a loan, a job, or insurance. Coming soon utilities rates and health insurance rates will be factored by your credit score. That's right. So they mandated the creation of annualcreditreport.com, the website where you may get your credit reports for free once each twelve months. Have you checked your report lately? And by the way your credit score is not included you will have to pay a fee for them.

The Plot Thickens

The plot thickens. It turns out that those darn credit reports, for most consumers, might as well be written in Greek. And even if you can make sense out of your report do you really know what you are looking at? Credit restoration success requires some reasonable working knowledge of the FCRA and access to FTC Staff Opinion Letters that interpret the law in practical application. You would also be well advised to bone up on the Fair Debt Collection Practices Act. And, oh yeah, make sure you know your state Statutes of Limitation. Credit restoration is tricky.

Credit Restoration is here to Stay. "My 30 second commercial"

So, who is looking out for you? You can't count on Big Brother. He may be watching, but he's not going to make sure that your credit report is okay. It's time to step up to the plate. If you can't manage the job on your own then hire United Credit Education Services to get the job done for you. There are a growing number of excellent credit repair companies that can handle the job for a small fee. United Credit Education Services is not a start up company we have been in business since 2003. Credit restoration is a growth industry so you will have to do a bit of homework to identify a truly professional operation.

Professional Credit Restoration Service

If you are going to hire a credit restoration service company, hire a good one. There are a few things to look out for. You should check their record with the Better Business Bureau. I suggest that you DO NOT do business with a credit restoration company that is not a BBB member in good standing. Also is there a money back guarantee? Be sure that the company will stand behind their service. Check out their success rate and client testimonies. Most importantly be sure that they have a 9-5 live customer support call center to support their customers and 24/7 365 online tracking. Or just hire United Credit Education Services and let us get you into the 700 club!!! WE CAN HELP!

Need additional information? Call me today at 248-830-4832 or e-mail me at tim@tjtfinancialservices.com Attend my weekly Webinar and Live Credit Education Seminars.

"If you or someone you know has less than a 740 credit score

Then come see how United Credit Education Services is helping

Thousands of consumers get into the 700 club!!!"

UNITED CREDIT EDUCATION SERVICES Live Royal Oak Michigan

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 08 Nov 2008 12:26:11 -0600

Please join us for a FREE Credit Education Seminar

If you or someone you know has less than a 740 credit score

Then come see how United Credit Education Services is helping

Thousands of consumers get into the 700 club!!!

November 13^th and 20^th at 7:00 PM

Location: Caribou Coffee

31901 Woodward Ave.

Royal Oak, MI 48073

(Between 13 and 14 Mile Roads on Woodward and Normandy in the Normandy Plaza.) West Side of Woodward.

R.S.V.P a must do to the conference room size at tim@tjtfinancialservices.com

248.830.4832

Sincerely,

Tim J. Thrift

www.tjtfinancialservices.com

Join us for a webinar October 22nd

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Mon, 20 Oct 2008 19:32:29 -0500

8:30-9:30 PM EST

INVITE 2!

Do you know that having good credit is the most crucial aspect of your financial life? Thousands of Americans today will never reach their financial goals due to poor credit.

In today's economy having a credit score of 700 and above is vital to your financial success.

Come join us and see how you can be part of revitalizing the economy by helping Americans across this country get into the 700 club!!!!!

Space is limited.
Reserve your Webinar seat now at:

R.S.V.P. A LINK TO THE WEBINAR WILL BE SENT TO YOU.

tim@tjtfinancialservices.com

tim_thrift@yahoo.com

248.830.4832

www.tjtfinancialservices.com

United Credit Education Services Webinar

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 04 Oct 2008 11:09:32 -0500

Do You Know Someone With Less Than Perfect Credit?

WE CAN HELP!

United Credit Education Services is the industry leader in credit

Restoration, We help consumers with credit issues get back on track so they can achieve their financial goals. If you or someone you know has problems with:

•· Late Payments

•· Tax Liens

•· Bankruptcies

•· Collections

•· Or other credit issues

JOIN US FOR A FREE CREDIT EDUCATION WEBINAR

EVERY WEDNSDAY AT 8:30- 9:30 EDT

Please RSVP to Tim Thrift at 248-830-4832 or e-mail tim@tjtfinancialservices.com a link to the webinar will be sent to you.

Credit Restoration and Business Opportunity Seminar Michigan!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 13 Sep 2008 17:49:27 -0500

You are invited to United Credit Education Services. Get The Good Credit You Deserve!

Credit Restoration and Business Opportunity Seminar

Saturday, September 27th, 2008 at 10:00 AM

Presented by Tim Thrift Guest Speaker Ambassador Robert Gould or the 2 Easy Group and George Cole VR-Tech Corporate Office staff will be present at the meeting

Agent admission is $20; guests are free of charge Presentation from 10:00 AM - 11:45 AM Training from 12:15 PM -2:00 PM

Location:
Embassy Suites
19525 Victor Pkwy
Livonia , MI 48152

Contact Information:
Tim Thrift @ 248-830-4832 tim@tjtfinancialservices.com

Tomorrow Night At 8:30 PM EST!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Wed, 28 May 2008 11:48:41 -0500

FREE Credit Education Webinar

Presented by: United Credit Education Services

Beginning Thursday, May 29^th, 2008 at 8:30 EST.

This webinar will be available every Thursday until further notice.

From the comfort of your home - No need to spend money on gas

Get the facts about your credit score.

Learn how to remove costly inaccuracies on your credit reports.

GET THE GOOD CREDIT YOU DESREVE!

R.S.V.P today at tim@tjtfinancialservices.com

www1.gotomeeting.com/register/993716554

Call Tim Thrift at 248-830-4832

United Credit Education Services

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Tue, 20 May 2008 07:21:12 -0500

Nuestro servicio de restauración de crédito

Su puntuación de crédito es el número más importante en su vida."

Como consumidor, usted ya sabe que su puntuación de crédito juega un papel significativo en su bienestar financiero. Baja puntuación de crédito puede tener un impacto negativo en muchos niveles diferentes. Puede que le impida obtener el crédito necesario, en una hipoteca, préstamo de auto o de la escuela, o que le puede costar una gran cantidad de dinero en un alto pago de intereses sobre préstamos, tarjetas de crédito y de seguros. Por el contrario, lo mayor que sea su puntuación de crédito, mejor son sus posibilidades de obtener créditos y préstamos en las mejores tasas de interés. Si se le ha negado el crédito, desea reducir su tasas de interés, o simplemente desea eliminar la información incorrecta de su informen de crédito, nuestros servicios pueden auyudarle.

United Credit Education Services ayuda a los consumidores que son afectados negativamente por mal crédito les da la oportunidad de alcanzar sus metas financieras y sueños. Nuestro servicio proporciona a la industria el más amplios programas para los consumidores, que han sido rechazado para una hipoteca, préstamo de auto, tarjeta de crédito o cualquier tipo de crédito debido a problemas de crédito. Nuestra experiencia combinada con la techología más avanzada ha ayudado a miles de clientes a mejorar su situación crediticia y la reducción de su deuda. Haga clic aquí para obtener más información.

Obtenga independencia financiera hoy!
Contactar Me : (248) 830-4832 o tim_thrift@yahoo.com

FREE Credit Education Webinar

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Thu, 15 May 2008 10:48:46 -0500

Presented by: United Credit Education Services

Beginning Thursday, May 29^th, 2008 at 8:30 EST.

This webinar will be available every other Thursday (Bi-Weekly) until further notice.

From the comfort of your home - No need to spend money on gas

Get the facts about your credit score.

Learn how to remove costly inaccuracies on your credit reports.

GET THE GOOD CREDIT YOU DESREVE!

R.S.V.P today at tim@tjtfinancialservices.com

Call Tim Thrift at 248-830-4832

FREE Credit Education Seminar Starts May 6th 2008

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Thu, 27 Mar 2008 11:38:25 -0500

GET THE CREDIT YOU DESERVE!

FREE Credit Education Seminar

Understanding Your Credit

Open to the Public

Seating is limited - R.S.V.P. Suggested.

At:

Location: 31901 Woodward Ave.

Royal Oak, MI 48073

Begins MAY 6^{th 2008} at 6:30 pm

The first Tuesday of every month!

Presented By: Tim Thrift

United Credit Education Services &

TJT Financial Services

248-830-4832

E-mail: tim@tjtfinancialservices.com

United Credit Education Services Get's Results!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Tue, 25 Mar 2008 12:41:59 -0500

Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of United Credit Education Services.

I have to share this awesome first round dispute result of one of my credit repair clients from Trans Union.

you will see that 10 items have been deleted out of 18 in less than 45 day's. Only 8 negitive items remain on her Trans Union Credit Report. United Credit Education Services is in the process of putting together her next round of disputes on those that remain. Proof the program works!

Stacia is just one example of the many client's I have been able to help in the past 6 years in the credit repair business.

What's more incredible is the Loan Officer and the Realtor that sent me this client will soon ink the deal!

Optimize all your leads! If you think you have a client that you can not sell a home or a loan to because of their

credit do them a favor and allow me to HELP!

Please share this as you see fit. Thanks

REALITY OF REALTY EVENT RETURNS APRIL 7, 2008

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sat, 22 Mar 2008 07:08:25 -0500

THE REALITY OF REALTY SEMINAR TOUR EDUCATING THE GENERAL PUBLIC ON WHAT'S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY'S & GIRLS CLUBS OF S.E. MI.

This is going to be a monthly Seminar Series starting in Royal Oak held the first Monday of every month.

ROYAL OAK, MI - Michigan, most commonly Detroit and Metro Detroit are the focus for doom and gloom on the topic of Real Estate and Financing in today's market. The press, everyone's nosey neighbor, co-workers, and the guy in the line at the grocery store have all told everyone what they know and have heard about what's going on in Michigan Real Estate and Financing - Why not hear about what's going on from the experts working in the field everyday here in Michigan in a laid back, fun, educational, and non-sales atmosphere while giving back to a local Michigan charity in the Boys & Girls Clubs of Southeastern Michigan. The general public is invited to the first Reality of Realty Seminar Monday, March 3rd at 7pm at the Washington Building above D'Amato's in downtown Royal Oak @ 222 Sherman. It is $20.00 at the door including refreshments and enough education to make the attendees the experts in the field. Attendees will be learning about foreclosures, mortgage interest rates, home sales, credit, refinancing, home values, home owners insurance, title insurance, closings, short sales, getting approved for a mortgage, and everything else wrapped around the Real Estate and Finance transaction. After there will be an open forum, followed by a formal Q & A session, ending with open time for one to one questions and networking.

Included in the Reality of Realty Seminar Series in Royal Oak are:

Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022

Richard Kallabat - Realtor & Foreclosure Expert, Keller Williams (248) 208-6999

Ted Edginton - Mortgage Loan Officer, US Bank (248) 866-9460

Tim Thrift - Credit Specialist, United Credit Education Services (248) 830-4832

David Haugk - Insurance Rep, Glenn Maas Agency (248) 524-9525

Dante King - Licensed Appraiser, All Good Appraisals (313) 443-2182

HOW TO REBUILD BAD CREDIT

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Fri, 21 Mar 2008 18:27:26 -0500

United Credit Education Services and TJT Financial Services

Providing credit and debt solutions that work!

Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of

United Credit Education Services.

Credit restoration allows you to dispute the negative information reflecting on your credit reports, which will result in an increase in your credit score. Once your credit report is accurate, you can begin to build your credit and prove to lenders that you are credit worthy. To rebuild your credit you need to gain some consumer credit knowledge. If you have had poor credit in the past getting new credit or lenders to extend you credit may prove to be a challenge.

Below are tips on how to get new credit and how to build and maintain good credit habits

Getting New Credit. Get a new credit card that is right for you. Be warned that creditors will prey on people with past credit troubles extending credit cards with high interest rates and high fees that ultimately make credit unaffordable. Department store cards and secured cards are usually the easiest to get for people trying to build their credit. Keep new credit applications to a minimum the more you apply for, the more the impact will be on your credit score.
Building New Credit Habits. Learn how to spend wisely; otherwise you will end up with the same damaging credit that caused you to rebuild your credit. Educate yourself on credit and put those good habits to use.
Rebuilding Your Credit. Keep your credit cards current with no late payments and pay them off each month. Keep your balances low in comparisons with your credit limit. Do not take on too many credit cards that you cannot manage your balances and payments.

Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com

FIND CREDIT EVEN WHEN YOU CAN’T

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Fri, 21 Mar 2008 18:24:48 -0500

United Credit Education Services and TJT Financial Services

Providing credit and debt solutions that work!

Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of

United Credit Education Services.

When you have had past credit troubles, it can be hard to find credit. Even when you do find credit, the credit terms are horrible with high interest rates and costly fees. It's not hard to find credit though, once you know where to look.

Here are some helpful hints to get you started.

If you have not received any credit card offers in the mail, consider applying online, at your local bank or retail store. There are thousands of credit lenders available to you. Check http://www.bankrate.com/ for interest rate and fee comparisons for the credit card that is right for you.

Two lenders that are known for extending credit to those with poor or little credit are First Premier Bank and HSBC Bank of Nevada. Lastly, if you can't find an unsecured credit card, try a secured credit card. A secured credit card is similar to a debit card in that you deposit funds into your account and then make purchases against those funds. The amount that you deposit will determine your credit limit. You will receive monthly bills; however along with paying by check you can also deduct the money that you deposited for payment. In your search for a secured card, look for one that will report as unsecured on your credit report. This will improve your credit score.

When you do make the choice to apply for a unsecured or secured credit card, carefully read the terms of the card, especially if you have less than perfect credit. Credit is available to you, Just be sure to do you research to get the best terms for your life.

Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com

CONSUMER CREDIT CARDS: HOW MANY IS TOO MANY?

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Fri, 21 Mar 2008 18:21:31 -0500

United Credit Education Services and TJT Financial Services

Providing credit and debt solutions that work!

Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of United Credit Education Services.

Most Americans have between 5 and 10 credit cards. Some even carry up to 50. But how many is too many? Experts say that it's not the number of credit cards you have, but instead how much you spend and how much you can afford to pay off each month.

Be aware that the more credit cards you have, the bigger the risk you pose to yourself to create debt and hurt your credit. Also, each time you open a store credit card 20 points are taken off of your credit score, according to consumer education organizations. Typically this is because store credit cards are available to anyone - even those consumers who otherwise could not get credit.

Some Tips To Keep In Mind

Keep your debt ratio low. Your credit card balance should be ideally kept to 30% of your limit.

Make your payments on time. Keep your credit cards current. New late payments can decrease your credit score by up to 100 points.

Do not close too many credit cards at once. When you close several credit cards at once, your debt to available credit ratio will fall.

Credit cards can be a good thing. Credit cards are a safer way to buy goods instead of carrying cash. They offer you the protection against theft because the money you charge is not taken out before you get to dispute the charge. There is no magic number or limit to the number of credit cards you have, just be wise when applying for credit and using the credit you have.

Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com

South Oakland Business Expo.

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Wed, 05 Mar 2008 08:20:38 -0600

The Royal Oak Chamber is hosting with 5 other chambers, the South Oakland Business Expo.

http://www.royaloakchamber.com/business_expo.htm

THE REALITY OF REALTY SEMINAR TOUR, EDUCATING THE GENERAL PUBLIC ON WHAT'S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY'S & GIRLS CLUBS OF S.E. MI.

Look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!

The 2008 South Oakland Business Expo (SOBE), formerly the Royal Oak Business Expo, will once again bring together the brightest business leaders from the most dynamic companies throughout South Oakland County.

The event will be held on Wednesday, March 12 from 1-6p at the Royal Oak Farmer's Market located at 316 E. Eleven Mile Rd. The Expo will be open to the public. Admission is $5. Coupons will be available at all Chamber offices, all Chamber sponsored events, Chamber websites, and various email correspondence from the Chambers.

The 2008 SOBE is presented by Citizens Bank and brought to you by five of the area Chambers - Berkley, Clawson, Ferndale, Madison Heights/Hazel Park, and Royal Oak. Attendees will be able to visit over 100 area businesses showcasing products and services that will appeal to both business customers and residents alike. Door prizes, courtesy of all six Chambers will be drawn throughout the Expo. There will also be a special Business After Hours at a local restaurant following the event.

For more information on exhibiting or attending please call 248.547.4000.

Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022

Richard Kallabat - Realtor & Foreclosure Expert, Keller Williams (248) 208-6999

Ted Edginton - Mortgage Loan Officer, US Bank (248) 866-9460

Tim Thrift - Credit Specialist, United Credit Education Services (248) 830-4832

David Haugk - Insurance Rep, Glenn Maas Agency (248) 524-9525

Dante King - Licensed Appraiser, All Good Appraisals (313) 443-2182

The Event was a Huge Success!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Wed, 05 Mar 2008 07:45:01 -0600

The Reality of Realty Event surpassed anything that we the panel ever imagined or expected! There was a great turnout of great people who at the end - gave great feedback (that they had learned more than they had ever imagined or expected)
while having a great time with great food!

There were some amazing connections happening and deals being done at the end of the forum! It was great to see... After we all went down to Goodnight Gracie's for
some cocktails where some great networking happened!

We raised over $600.00 for the Boys & Girls Clubs of Southeastern Michigan
- An all around success!

I hope that everyone can make it out to our next event April 7th at the Washington Building above D'Amato's just north of the intersection of Washington and 4th streets at 7pm!

- Thanks again from the panel and look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!

Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022

Richard Kallabat - Realtor & Foreclosure Expert, Keller Williams (248) 208-6999

Ted Edginton - Mortgage Loan Officer, US Bank (248) 866-9460

Tim Thrift - Credit Specialist, United Credit Education Services (248) 830-4832

David Haugk - Insurance Rep, Glenn Maas Agency (248) 524-9525

Dante King - Licensed Appraiser, All Good Appraisals (313) 443-2182

Reality Check Ahead!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Sun, 17 Feb 2008 18:30:29 -0600

The REALITY of Realty Seminar Tour ...coming March 3rd 2008! ____________________________________________________________

YOU ARE INVITED To a 5 City Tour Across Metro Detroit for a Laid Back, Fun, Upbeat & Educational (non-sales) Seminar on Michigan Real Estate & Financing in Today's Michigan market focusing on what's really happening in Michigan right now dealing with the Real Estate Market & Mortgages from the Experts. There will be a panel of 6 -8 (Realtor, Loan Officer, Title Insurance, Home Owners Insurance, Home Appraiser, Credit Repair, Foreclosure Expert, & Home Inspector) educating you on what's REALLY going on today in Michigan vs. hearing the info from your neighbor, co-worker, or the guy in line at the grocery store. ____________________________________________________________

There will be refreshments provided along with hand outs and enough info to make YOU the Expert! Location: Washington Building 2nd floor above D'Amato's at 222 Sherman in Downtown Royal Oak, Monday, March 3rd from 7-9pm ____________________________________________________________

$20.00 at the door: (50% of the proceeds go to the Boys & Girls Clubs of Southeastern Michigan)

____________________________________________________________

For more information contact me ASAP. Sponsored by: Tim J Thrift- TJT Financial Services.

THE REALITY OF REALTY SEMINAR MICHIGAN TOUR STARTS MARCH 3RD 2008!

Tim Thrift (Vr-Tech Marketing Group, United Credit Education Services) — Thu, 14 Feb 2008 10:51:36 -0600

THE REALITY OF REALTY SEMINAR TOUR

EDUCATING THE GENERAL PUBLIC ON WHAT'S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A

FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY'S & GIRLS CLUBS OF S.E. MI.

• This is going to be a monthly Seminar Series

Starting in Royal Oak held the first Monday of every month.

back to a local Michigan charity in the

Boys & Girls Clubs of Southeastern Michigan.

The general public is invited to the first Reality of Realty Seminar Monday, March 3^rdat 7pm at the Washington Building above D'Amato's in downtown Royal Oak @ 222 Sherman. It is $20.00 at the door including refreshments and enough education to make the attendees the experts in the field. Attendees will be learning about foreclosures, mortgage interest rates, home sales, credit, refinancing, home values, home owners insurance, title insurance, closings, short sales, getting approved for a mortgage, and everything else wrapped around the Real Estate and Finance transaction. After there will be an open forum, followed by a formal Q & a session, ending with opens time for

one to one questions and networking.

Included in the Reality of Realty Seminar Series in Royal Oak are:

Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022

Richard Kallabat - Realtor & Foreclosure Expert, Keller Williams (248) 208-6999

Ted Edginton - Mortgage Loan Officer, US Bank (248) 866-9460

Tim Thrift - Credit Specialist, TJT Financial Services (248) 830-4832

David Haugk - Insurance Rep, Glenn Maas Agency (248) 524-9525

Dante King - Licensed Appraiser, All Good Appraisals (313) 443-2182