Airmiles Lloyds TSB Duo credit card: how thousands of families will lose the trip of a lifetime


Written on October 18, 2011 – 11:26 am | by Adam Gomez

For almost two years, Sorcha Holloway has crossed her town to do the family shop at Tesco – even though it is not her nearest supermarket.

She and husband Tim, 54, drove several miles out of their way to fill the car at a Shell garage, despite a number of other petrol stations being closer.

And when they paid for shopping or meals out, they used a Lloyds TSB Duo credit card. Their devotion to these brands was driven by one thing – every pound they spent earned Airmiles.

The couple, from Plymouth, Devon, would soon have enough points to take their two children, Daniel, seven, and Tara, 14, on a dream holiday to South Africa. But just before the chance to book this trip came within their reach, the Airmiles loyalty scheme has suddenly moved the goalposts.

Instead of getting free flights to Johannesburg in exchange for 32,000 Airmiles, they will now have to pay an extra 1,500 in ancillary charges – a price the Holloways cannot afford.

Sorcha, 44, a photographer, said: The children are incredibly disappointed.

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Instant Car Insurance and Paid or Free Credit Report


Written on October 17, 2011 – 12:17 pm | by admin

Very often the automobile insurance provider companies resort to insurance credit scores that is a numerical system that is based on some selected credit report characteristics. While there is no such direct relationship between the credit scores and lending decisions learning about one’s credit standings through paid or free credit report as it may have impact on the rates of premiums for the insurance and other features of benefits. Usually the insurance scores are applied to personal lines for instant car insurance and not otherwise.

Report submitted by the Federal Trade Commission revealed that since insurance credit scores are quite effective in predicting the credit risks for the lenders, there were very little or no evidence to indicate that it helped the consumers in any manner. However, they also found that in cases of sanctioning instant car insurance most of the providers depended on the insurance credit scores of the consumer concerned because of their effectiveness. H Read more…

Tags: free credit report, instant car insurance

Give Me Back My Credit – Best of The Best Blogger Series


Written on October 15, 2011 – 8:47 pm | by Adam Gomez

In the 17th edition of our Best of the Best Blogger Series, were speaking with Denise Richardson, author of Give Me Back My Credit. In her book, Denise talks about the life altering financial event that changed her life completely and the Herculean effort she put forth to recover from it.

The problem started for Denise when she first began making extra principal payments on her mortgage and assumed that her payments were being handled and properly recorded by her mortgage servicing company. As it turned out, the payments were being applied inaccurately and, in fact, some payments werent being applied to her balance at all.

Her long held belief that if you worked hard and paid your mortgage on time that your credit rating would take care of itself was turned on its ear.

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Tags: Best Blogger, Best Blogger Series, Blogger Series, Series

Social Media Employment Background Checks, Yes They Do Happen


Written on October 15, 2011 – 8:13 pm | by Nicole Gutierrez

Social Intelligence uses a combination of automated and manual review to provide information from social media including Facebook, Twitter, Flickr, Youtube, LinkedIn, and individual blogs.  They do not use “spy” tactics such as becoming a friend on Facebook.  Employers define what information they want to be included, which is both negative and positive.  Negative examples are racist remarks or activities, sexually explicit photos or videos and illegal activity such as drug use.  Positive examples are charitable or volunteer efforts, participation in industry blogs, and external recognition.

Legal obligation

Social Intelligence is considered a consumer reporting agency (CRA) and has to be compliant with the Fair Credit Reporting Act (FCRA).  As a consumer reporting agency they have to provide accurate information and negative information can only be reported for 7 years.   Under the Fair Credit Reporting Act, they can’t disclose race, sex, gender, religion, age, nationality, etc.  In addition, they have to disclose reports that were used to deny you employment. Therefore, th

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Tags: Media, Social Media

The Sportsman’s Guide Buyer’s Club Advantage Rewards Visa Credit Card Review


Written on October 11, 2011 – 12:52 am | by Alicia Ross

The Verdict: Unlike many credit cards affiliated wtih retailers, the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa Card is actually a strong rewards card. It should be a valuable addition to the wallet of anyone who frequently buys hunting, camping and sporting equipment from the Sportsman’s Guide catalog.

Overview: This card provides both a rewards program and a discount program. The discount program kicks in for consumers shopping The Sportsman’s Guide catalog. The rewards program takes over when consumers use their cards to make purchases at other locations.

How This Card Works: Once you earn 1,000 reward points, you’ll automatically receive a $10 Rewards Certificate. You can use this certificate to purchase items through The Sportsman’s Guide.

Travel and Shopping Benefits: You’ll receive a 2.5 percent discount when you use the card to purchase merchandise from The Sportsman’s Guide. This comes in a

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Tags: Advantage Rewards Visa, Card, Credit Card, Rewards Visa

Meet your Immediate Need for Money Using Fast Cash Loans


Written on October 10, 2011 – 2:05 pm | by admin

As there are a number of debt relief frauds around these days, people often feel a bit negligent to adopt any kind of relief loans. Between all these chaos and confusions the fast cash loans from reliable companies prove to the best solution to overcome your debt. You can depend on this system whenever you are in need of money. Though the interest rate may be high, it is still a reliable source when you are in urgent need for money.

Fast cash loans repay debt easily without much tension. It is always suggested to repay the debt as soon as you get the salary to avoid complications. This is a major reason why such loans are granted only if you have a regular income. There are companies which has repayment period exceeding to 90 to 180 days. The fast cash loans are also known under other names like the pay day loans.

A major advantage of this kind of loan schemes is that even if you are having a bad credit, you will be able to borrow the money. Moreover you will get the money within 24 hours of submitting your application for the loan. Read more…

Tags: Cash Loans, Loans