Change Your Credit Habits

Credit and Debt Problems?  Get the Facts Here!

Most consumers over the past several years, much like the global economy, have suffered financial setbacks.  Whether these losses occurred in the financial market or in your professional life, now is the time to look to restart and get yourself back in the black.

So Where Did You Get Stuck?

Credit Card Debt: It’s easy to do when your income or expenses have changed dramatically in a short period of time.  Most of us do just this: open up the credit cards and charge away!  Well its time to sort out these bills and consider an option to liberate yourself from the growing debt these cards always envelop.  Look into Debt Consolidation in order to reboot your credit card debt today!
Debt Consolidation:  If you are worried about keeping up with your monthly credit card bills, take a debt or bill consolidation loan into consideration!  You can combine your outstanding debt into a single low monthly payment and say “Adios” to those stacks of monthly bills from Visa and MasterCar
Credit Help: When we fall into debt its very common that your credit score will take a tumble too.  Unfortunately a poor credit score and credit report can mean bad news today and down the line.  Why?  Well bad credit means the next time you get a loan you’re going to pay much more for it.  Don’t get killed with interest rates, learn how to improve your credit score today and start saving.

Identify Theft: Not just a movie.  If you have been one of the millions of victims of identity theft in the US each year, you have come to the right place.  Learn how you can recover from the financial pain of a stolen identity.

Improve your Credit Score

Once a consumer is made aware of their credit score, most want to figure out the best and quickest way improve their score.  There are surprisingly a lot of options one can undertake to point their credit score back in the right direction: up.  While there is no quick fix or solution to get your number magically changed overnight, there is something you can start doing today to improve your credit report.  Try this simple step as a first shot at cleaning up and repairing your credit report today:

Dispute

You can log on to Equifax or Transworld, or another similar credit reporting agency-really you should in fact check them all- and request your free credit score report.  Look for strange things you don’t remember, have no knowledge about, or in some cases is simply old.  Then dispute it. The credit reporting agencies have a dispute and resolution process between consumers and creditors.  If the creditor who is reporting a delinquency, late payment, etc. no longer exists or does not reply in time to the request by the reporting agency- guess what? Those disputed items will be removed.

Negotiate

In today’s modern global economy you might be surprised to realize major corporations and especially lenders like Bank of America are willing to negotiate credit problems.  It’s in their best interest to get a transaction settled then hand it over to collections for pennies on the dollar. So what to do?  Call up any creditor on your credit report who has an item against you and talk.  Offer a reduced payment to end the default.  If it’s simply some late payments use the angle that you are a valued customer in good credit standing now and would like to be “forgiven” those late payments and move on.  It never hurts to ask nicely when trying to repair your credit score- give it a try!

Change Your Credit Habits

This might sound vague but this might be some of the best credit score repair advice going.  Use your credit differently.  By implementing these simple changes, you can go a long way towards improving your current credit score:
Get a higher credit line!  If you credit limit is just $2,000 and you are 75% of that limit with $1,500 owed, it looks bad.  Increase your limit but not what you owe to show you are reasonable in your credit use.
Use a mix of your credit cards and have several.  It sounds counterintuitive but managing more credit responsibly shows the creditors you are a safe risk.
Pay your bills twice a month or even a month early!  Never risk a late payment and show your creditors you are very responsible- double paying some months and never just paying out the minimums.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.
1. Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
2. We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
3. We will only retain personal information as long as necessary for the fulfillment of those purposes.
4. We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
5. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
6. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
7. We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

credit reporting company

Many types and formats of credit reports are published throughout the United States although they all originate from three major credit reporting companies, Experian, Trans Union and Equifax. The best credit reports to use to determine the true status of your credit are reports that originate directly from Experian, Trans Union and Equifax. Other reports such as subscriber reports, mortgage reports and triggered reports do not contain the best information to use for a true status of what the credit reporting companies are actually reporting about you. Furthermore, when you access a subscriber report, a mortgage report or other forms of credit reports you are subjecting yourself to having an inquiry listed on your reports thereby having the potential effect of lowering your credit score associated with your innocent desire to view your credit report.

Although it is very easy for creditors and other third parties to get your credit reports on very short notice, the credit reporting companies will not provide you your credit reports unless you jump
through certain hoops and provide them certain required information. The following Credit Report
Request Forms set forth the information that needs to be provided to each credit reporting company
before it will send you your reports. By law, in some instances, the credit reporting companies are also entitled to collect a fee before they are required to send you your credit report. Credit reporting
companies will also provide you your calculated credit score and they also may collect a fee from you
before they provide you that score.

To receive your reports, fill out the forms completely and provide either the required fee for the
reports made out directly to the credit reporting company, i.e., Experian, Trans Union or Equifax, or
provide a copy of a credit denial letter to get a free credit report. Note, the fee schedule on the next
sheet that applies to your State and whether or not you are entitled to a free credit report absent a
credit denial letter. There is also a separate fee for your credit score. Make sure you do provide some
sort of identification as indicated on the credit report request forms to ensure you will receive your
credit reports without delay.

Privacy Policy

Credit and Debt Problems?  Get the Facts Here!

Most consumers over the past several years, much like the global economy, have suffered financial setbacks.  Whether these losses occurred in the financial market or in your professional life, now is the time to look to restart and get yourself back in the black.

So Where Did You Get Stuck?

Credit Card Debt: It’s easy to do when your income or expenses have changed dramatically in a short period of time.  Most of us do just this: open up the credit cards and charge away!  Well its time to sort out these bills and consider an option to liberate yourself from the growing debt these cards always envelop.  Look into Debt Consolidation in order to reboot your credit card debt today!
Debt Consolidation:  If you are worried about keeping up with your monthly credit card bills, take a debt or bill consolidation loan into consideration!  You can combine your outstanding debt into a single low monthly payment and say “Adios” to those stacks of monthly bills from Visa and MasterCar
Credit Help: When we fall into debt its very common that your credit score will take a tumble too.  Unfortunately a poor credit score and credit report can mean bad news today and down the line.  Why?  Well bad credit means the next time you get a loan you’re going to pay much more for it.  Don’t get killed with interest rates, learn how to improve your credit score today and start saving.

Identify Theft: Not just a movie.  If you have been one of the millions of victims of identity theft in the US each year, you have come to the right place.  Learn how you can recover from the financial pain of a stolen identity.

Improve your Credit Score

Once a consumer is made aware of their credit score, most want to figure out the best and quickest way improve their score.  There are surprisingly a lot of options one can undertake to point their credit score back in the right direction: up.  While there is no quick fix or solution to get your number magically changed overnight, there is something you can start doing today to improve your credit report.  Try this simple step as a first shot at cleaning up and repairing your credit report today:

Dispute

You can log on to Equifax or Transworld, or another similar credit reporting agency-really you should in fact check them all- and request your free credit score report.  Look for strange things you don’t remember, have no knowledge about, or in some cases is simply old.  Then dispute it. The credit reporting agencies have a dispute and resolution process between consumers and creditors.  If the creditor who is reporting a delinquency, late payment, etc. no longer exists or does not reply in time to the request by the reporting agency- guess what? Those disputed items will be removed.

Negotiate

In today’s modern global economy you might be surprised to realize major corporations and especially lenders like Bank of America are willing to negotiate credit problems.  It’s in their best interest to get a transaction settled then hand it over to collections for pennies on the dollar. So what to do?  Call up any creditor on your credit report who has an item against you and talk.  Offer a reduced payment to end the default.  If it’s simply some late payments use the angle that you are a valued customer in good credit standing now and would like to be “forgiven” those late payments and move on.  It never hurts to ask nicely when trying to repair your credit score- give it a try!

Change Your Credit Habits

This might sound vague but this might be some of the best credit score repair advice going.  Use your credit differently.  By implementing these simple changes, you can go a long way towards improving your current credit score:
Get a higher credit line!  If you credit limit is just $2,000 and you are 75% of that limit with $1,500 owed, it looks bad.  Increase your limit but not what you owe to show you are reasonable in your credit use.
Use a mix of your credit cards and have several.  It sounds counterintuitive but managing more credit responsibly shows the creditors you are a safe risk.
Pay your bills twice a month or even a month early!  Never risk a late payment and show your creditors you are very responsible- double paying some months and never just paying out the minimums.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.
1. Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
2. We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
3. We will only retain personal information as long as necessary for the fulfillment of those purposes.
4. We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
5. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
6. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
7. We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Terms and Conditions of Rent To Homes

Terms and Conditions

Welcome to www.RentOwnHomeListings.com (the "Site"). Please read these Terms and Conditions carefully. If you are unwilling to accept the terms and conditions herein, please do not use the Site. By using the Site, you are agreeing to abide and be bound by the following Terms and Conditions ("Terms").

1. Use of Site Content

1. Content, including but not limited to text, software, music, sound, photographs, trademarks, service marks, logos, video, graphics or other material contained on this Site or presented to you through this Site ("Content"), is protected by copyright, trademarks, service marks, Site marks, patents or other proprietary agreements and laws (collectively, "Intellectual Property Rights"). You are only permitted to use Content as expressly authorized herein or in writing by the Site owner ("Company"). These Terms do not transfer any right, title, or interest in the Site or the Content to you, and Company and its third party advertisers and affiliates retain all of its and their respective right, title and interest to the Site and Content.
2. Except as provided in these Terms, you may not use, download, upload, copy, modify, print, display, perform, reproduce, publish, license, rent, lease, loan, sell, assign, post, transmit, distribute, reverse engineer, create derivative works from, or otherwise exploit any Content or information from the Site, in whole or in part, including without limitation by way of framing or hyper-linking, without Company's permission. Requests for such permission should be made to info@RentOwnHomeListings.com, and/or 3625 Piedmont Row #308 Charlotte NC, 28210 United States.
3. Except as expressly provided in these Terms, nothing contained in these Terms or on the Site shall be construed as conferring any other license or right, expressly, by implication, by estoppel or otherwise, under any of our Intellectual Property Rights or under any third party's Intellectual Property Rights. All rights not expressly granted herein are reserved.

2. General This Site is not affiliated with, endorsed by, authorized by, or associated in any way with any government (whether federal or state), government agency, military, or country. The Site and Content have been prepared for general information purposes only. By using this Site, you expressly agree that any such use is solely for personal, non-commercial use. The Site provides links to other websites and access to content, products and services of third parties, including without limitation, Company's third party advertisers, affiliates and strategic partners ("Third Party Sites"). You should refer to the separate terms of use, privacy policies, and other rules posted on Third Party Sites before you use them. Company is not responsible for and expressly disclaims responsibility for (a) the availability of, or content provided on, Third Party Sites; (b) third party content accessible through the Site, including opinions, advice, or statements (and you understand that you bear all risks associated with the use of such content); (c) any loss or damage of any sort you may incur from dealing with any third party; or (d) your dealings with any third parties found on or through the Site, including your participation in promotions, the payment for and delivery of goods if any, and any terms, conditions, warranties, or representations associated with such dealings. Company's inclusion of a link to a Third Party Site does not imply that Company endorses the Third Party Site or any content or statements made therein, or vice versa. You are under no obligation to transact business with any of the Third Party Sites.

3. Prohibited Use of the Site You may not:

1. Send unsolicited commercial email to the email addresses provided on the Site;
2. Delete, modify or attempt to change or alter any of the Content on the Site;
3. Use any device, software or routine that interferes with the proper functioning of the Site or servers or networks connected to the Site, or take any other action that interferes with another's use of the Site;
4. Use the Site or the Content, intentionally or unintentionally, in any manner inconsistent with or in violation of any applicable laws or regulations or in violation of the rules of any other website providers, websites, chat rooms or the like, including, without limitation, laws regarding import/export of technical data by virtue of your online transmission;
5. Use any "robot," "spider" or other automatic or manual device or process for the purpose of compiling information on the Site for purposes other than for a generally available search engine; or
6. Use any Company name, service marks, or trademarks without prior written consent, including as metatags or hidden text.

4. Not Legal Advice The Content on the Site is intended to provide information only and is not legal advice of Company. Any opinions expressed through Content on the Site are the opinions of the particular author and may not reflect the opinions of Company.

5. Modifications to Terms Company may change these Terms from time to time, without prior notice, by posting the modified Terms on the Site, which may be accessed by clicking the "Terms and Conditions" link at the bottom of the homepage. Your continued use of this Site following any changes to the Terms constitutes your acceptance of those changes. If you object to any provision of these Terms or any subsequent modification, or become dissatisfied with the Site in any way, your sole recourse is to immediately terminate your use of the Site.

6. Termination and Modification Company reserves the right to modify or terminate these Terms or your access to the Site (or portions of the Site), temporarily or permanently, with or without notice to you, and is not obligated to support or update the Site. These Terms shall survive termination of these Terms or your right to access to the Site. You acknowledge and agree that Company shall not be liable to you or any third party in the event that it exercises its right to modify or terminate access to the Site (or portions of the Site). Unless explicitly stated otherwise, any new features that augment or enhance the current Site will be subject to these Terms.

7. Privacy Company will treat any information it collects from you in accordance with its Privacy Policy, which is incorporated by reference herein.

8. Copyright Infringement In accordance with the Digital Millennium Copyright Act ("DMCA"), http://lcweb.loc.gov/copyright/, Company has designated an agent to receive notifications of alleged copyright infringement associated with the Site. Company will, upon receiving proper notice as set forth below, use commercially reasonable efforts to remove or disable access to any such material as set forth in the DMCA. If you believe that your copyrighted work or the copyrighted work of another party is being infringed, please notify our copyright agent: info@RentOwnHomeListings.com, and/or 3625 Piedmont Row #308 Charlotte, NC 28210 United States. When notifying Company of the alleged copyright infringement, please include all of the following information:

1. A physical or electronic signature of a person authorized to act on behalf of the copyright owner;
2. Identification of the copyrighted work claimed to have been infringed;
3. Identification of the material that is claimed to be infringing and information reasonably sufficient to locate the material;
4. Information reasonably sufficient to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address;
5. A statement that the complaining party has a good faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
6. If material is believed in good faith by Company to infringe a copyright or otherwise violate any intellectual property rights, Company will remove or disable access to any such material. If you believe that a notice of copyright infringement has been wrongly filed against you and you would like to submit a counter-notification, you may file a Counter-Notification in Response to Claim of Copyright Infringement with Company's copyright agent, identified above. You may want to seek independent legal counsel before filing a notification or counter-notification.
7. Disclaimer To the fullest extent permissible pursuant to applicable law, the site and all content, materials, information, products and services provided on the site, are provided on an "AS IS" and "AS AVAILABLE" basis. Company expressly disclaims all warranties of any kind, whether expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, integration, non-interference with enjoyment, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Company makes no warranty, and expressly disclaims any obligation, that: (A) The site will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basic; (B) The content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (C) The results that may be obtained from the use of the site or any services offered through the site will be accurate or reliable; (D) The quality of any products, services, information, or other material obtained by you through the site will meet your expectations; or (E) That defects, if any, will be corrected. You understand and agree that any content, material and/or data downloaded or otherwise obtained through the use of the site us used at your own risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such content, material and/or data.
8. Limitation of Liability In no event shall Company be liable for any direct, indirect, incidental, special, punitive, or consequential damages, or damages for cost of procurement of substitute services, loss of profits, revenue, data, goodwill, or use, incurred by you or any third party, whether in an action in contract or tort (including negligence and strict liability), arising from your access to or inability to access, or use of, the site or any services provided in connection with the site, or otherwise resulting from: (1) The cost of procurement of substitute services, goods, or websites, (2) Unauthorized access to or alteration of your transmissions or data, (3) The statements or conduct of any third party on the site, or (4) Any other matter relating to the site, even if company was advised that such damages were likely not possible. This limitation on liability applies to, but is not limited to, the transmission of any disabling device or viruses which may infect your equipment or system, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems, unauthorized access, theft, bodily injury, property damage, operator errors, strikes or other labor problems or any force majeure. Some jurisdictions do not allow certain limitations or exclusions of liability in some circumstances. Accordingly, some of the foregoing limitations may not apply to you.
9. Indemnity You agree to indemnify, defend and hold harmless Company, its affiliates, shareholders, directors, officers, co-branders, subsidiaries, parents, employees and agents, from any claim, demand, liability, dispute, damage, cost, expense, or loss, including reasonable attorneys' fees and costs of litigation, arising out of, or in any way connected with your use of or access to the Site, your use of the Content, your linking to the Site or your violation of these Terms.
10. Governing Law and Dispute Resolution These Terms shall be governed by the laws of the state of California without regard to its choice of law rules. You consent to personal jurisdiction by the state and federal courts located in Los Angeles County, California. Any dispute arising out of or in connection with these Terms or your use of any Content or this Site or your access to or links to this Site, shall be resolved by binding arbitration before a neutral arbitrator administered by JAMS in Charlotte, NC, in accordance with its applicable arbitration rules, as then in effect.
11. General If any provision of these Terms is found by a court or arbitrator to be invalid, the parties agree that the court or arbitrator should give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms will remain in effect. Company's failure to act with respect to a breach by any person using the Site does not constitute a waiver of its right to act with respect to subsequent or similar breaches. Company may assign its rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. You may not assign these Terms without the prior written consent of Company. These Terms, the Privacy Policy, any operating rules, policies, or procedures that may be posted from time to time by Company on the Site, and any modifications to the foregoing, constitute the entire agreement between the parties with regard to the subject matter in these Terms and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms will be deemed to constitute either party as the agent or representative of the other party, or both parties as joint venturers or partners for any purpose.
12. Limitation of Actions You agree that any claim or cause of action arising out of your use of the Site or these Terms must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by Company to enforce or exercise any provision of these Terms or related right shall not constitute a waiver of that right or provision.
13. Acknowledgment You acknowledge (a) that you have read and understood these Terms; and (b) that these Terms have the same force and effect as a signed agreement.
14. Contact Information If you have any questions regarding these Terms or the Site, please contact Company at:
    RentOwnHomeListings.com
    3625 Piedmont Row
    Charlotte NC, 28210 United States