Credit Tips

Affordable Credit Repair Services Overview: How to Tell If a Company Is Reliable and Worth Investing

There are companies that help people with bad credit by using a variety of strategies, such as getting negative items removed via negotiation, identifying errors and having them fixed, etc. Since the industry is wrought with scams, it’s important that people are careful with their choice of a company. Not all affordable credit repair services are legitimate.

It’s possible to identify the trustworthy companies by knowing what kinds of red flags to look for and to avoid any company that has those red flags. A few of these red flags include:

• Trying to charge money upfront. This is actually banned by the Credit Repair Organization Act.

• Promises of a “quick and easy fix”. This is simply not possible – especially if they haven’t taken the time to first look at the client’s credit reports.

• Making any types of guarantees or specific claims, such as “Raise your score 200 points!”

• Having a lot of negative reviews and complaints filed against them.

• Not being open about what types of strategies they are going to use.

• Suggesting that the client actually create another identity. This is obviously against the law.

The ideal credit repair organization will always be upfront about what they will be able to do and what they won’t be able to do. They should have a team of lawyers working for them and use only legal means to get negative items removed.

Find Affordable Credit Repair Services

What about affordability? Only AFTER giving a free consultation should a credit repair company bring up payment. Some affordable credit repair services offer different levels of service at different prices. The lowest priced option will at the very least offer Bureau Challenge services and Credit Interventions. Even though they cannot make any specific guarantees regarding credit scores, they can provide a personalized score improvement analysis each month, which includes targeted information that could potentially help raise the score.

Communication is another important factor, in addition to price and payment plans. It’s very helpful if each client has a legal expert such as a paralegal assigned to their case, with whom they can communicate at any time, via email, phone, or chat. There should be coaching and guidance, as well as tools to help clients keep track of their case and monitor the results 24/7.

There are many credit report repair companies and only a few of them are legitimate and affordable. One company to really consider is Lexington Law, where free consultations are available. There are a few different payment plans to choose from, all of which include affordable credit repair services.

Credit Tips

Affordable Credit Repair Companies Guide: Why Consider Professional Repair Services?

When it comes to fixing your credit report, you have two options: the DIY approach and requesting assistance from the pros, who will perform the service for you and take care of all of the hard work. However, since there are obviously scams out there, you should be really careful about who you choose. You don’t have to spend a fortune, as there are some affordable credit repair companies. You just need to watch out for red flags. For instance, never trust a company that tries to charge you a fee upfront. Only consider organizations that offer free consultations.

Before contacting any credit repair company, you should first request copies of your credit reports and go over them yourself. If there are just a few minor issues, then the DIY approach might be ideal after all. You just need to check online for sample letters to send to the credit bureau(s) and the lenders. Some patience will be required as well, since it will take some time for them to make a decision and give you a response.

If you’re not entirely sure how credit reporting works, or feel confused by some of the negative items, then it will probably be better to let the professionals do it. As long as you choose a legit service, they will be able to get a response more quickly than you would if you were doing it on your own.

Some affordable credit repair companies offer multiple levels of service depending on how bad your credit scores are and how many items need to be removed. Some negotiation might be required as well, should the creditors dispute.

What Affordable Credit Repair Companies May Dispute

What kind of information can be disputed? Anything that is obviously erroneous such as your name misspelled or typos. If you’ve been a victim of fraud, then anything that the identity theft has done using your name and SS # could potentially be disputed, although you might need legal assistance to do so. There are also factual mistakes, unsubstantiated accounts, and outdated information that can be disputed.

If you are worried that some of the items might be difficult to be removed, then the best thing to do is go through a credit repair company that has a network of lawyers and paralegals. This company should provide you with a paralegal who will help you with your case personally.

Of all of the affordable credit repair companies, the one that is trusted by most people is Lexington Law. It offers services in most states and does assign each client with a paralegal. There are three levels of service to choose from. Check for Lexington Law discounts today to find out if there are any current deals or savings available. A personalized consultation is always for free.

Credit Tips

Legitimate Credit Repair Services Overview: What to Look for in a Company to Help Fix Your Credit

Credit repair refers to any type of legal action you or a service provider can to try and remove negative items off of your credit reports in attempt to raise your score. Since not all of these services are legitimate, it’s important to understand your rights. Even though you can attempt credit repair on your own, it’s better to work with professionals with legal experience who have a better chance of success when dealing your creditors and the credit bureaus. How do you know which ones are the real, legitimate credit repair services?

The first thing you need to do is familiarize yourself with the Credit Repair Organization Act (CROA). This Act protects consumers from illegal acts by credit repair companies. Here are a few things you need to know about your rights:

• Get a company to provide you with all of your legal rights in writing, as well as the details of the services they will provide

• You should be provided with a money back guarantee of some sort.

• Your consultation should be FREE and as personalized as possible.

• You should not receive any specific promises. Nothing can be 100% certain when it comes to credit repair.

• You should never, ever be expected to put up money upfront. No legitimate credit repair services will try to charge you right away. The only guarantee you should receive is the money back guarantee.

• A legitimate company will usually have lawyers and paralegals within its network, and will not propose any solutions or techniques that are not 100% legal.

Guarantees of Legitimate Credit Repair Services

Even though no company can guarantee specific results, they can show results from previous clients (with the clients’ permission) and give you an idea of what they’ve been able to do in the past, and what they will do to try and help you. Any money you end up paying to a legitimate company will probably be a lot less than the money you stand to lose from having bad credit. You might not even be able to rent or buy a home if your credit is bad! Also, in some places, you might have trouble finding a job.

The credit bureaus and credit card companies will take your case more seriously if you have a legitimate company working on your behalf. This will really increase your chances of getting your credit cleaned up in a shorter amount of time than if you were doing it all on your own.

Where can you find legitimate credit repair services? One company that always seems to get positive reviews from clients is Lexington Law. The paralegals who work on cases are great at communication. You will be kept informed, every step of the way.

Credit Tips

Credit Repair Services 101: Red Flags to Watch Out For, Your Rights, and Choosing a Legit Company

According to the “Credit Repair Organization Act”, it is unlawful for credit repair providers to lie about what they will be able to do for you, and to try to make you pay before they have even performed any services. These are red flags to watch out for when comparing offers from credit repair services. There is the “DIY” approach, but it can take a long time and be complicated depending on how messed up your credit reports are.

The ideal company will request copies of your TransUnion, Experian, and Equifax reports and review all derogatory marks like charge-offs, bankruptcies, late payments, tax liens, and so forth. Also, did you ever check to see if you were one of the millions of Americans affected by the Equifax hack? Hurry and do so if you haven’t yet. If any of your personal information is vulnerable to identity thieves, you’ll want a credit repair company with lawyers to help you prove that you are a victim.

The CROA requires that any such company you work with must explain your rights to you in a written contract, in addition to the details concerning the services they will perform. No company can make any specific promises. If you are not provided with proof that they are doing everything they possibly can to help you, then you have the right to sue them in federal court.

Avoiding Scams With Credit Repair Services

Avoid getting scam by watching for red flags and only working with an organization that has a long-standing positive reputation. What are some of the strategies a legit company will perform in order to help you repair your credit? It will prepare a plan for disputing errors and trying to have as many negative items as possible removed by using legal methods. The reason why it’s ideal to work with such a company instead of using the DIY approach is that they know how to negotiate with creditors and will do so on your behalf. Are you tired of getting harassed by obnoxious debt collectors? Just opt for credit repair services that include sending cease-and-desist letters to the collectors.

It might not be a good idea for you to apply for new accounts to try and get positive information added to your report to balance out the bad, so be cautious about any company that will try to get you to do this. If you’ve had trouble managing your debts in the past, it might not yet be the right time for you to apply for new lines of credit / loans. Depending on how low your credit score is, you might not even be able to get approved for new credit accounts anyway, and apply for them will have a negative impact on your credit scores anyway due to “soft hits”.

Now that you know how credit repair services can help you, provided they are honest and legitimate, you can get started on cleaning up your reports. Just get a free consultation from Lexington Law.


Do College Marketing and Enrollment Services Really Improve a University’s Enrollment Numbers?

When many of us graduated from high school 20-25 years ago, universities would send campus reps to area high schools to recruit students. We would hear from student leaders, counselors and admission representatives regarding the many reasons why a particular school was the better choice for obtaining a degree. Times have changed and so have the methods used to entice students to attend certain universities. Many universities are now turning to college marketing and enrollment services to help them meet their enrollment goals.

Why the change? The answer is technology. While a personal testimony from the mouth of a currently enrolled student or alumni may carry some weight, companies who offer college marketing and enrollment services can reach a greater amount of potential students in a much shorter time. Through the use of technology, concentrated marketing and the Internet, these companies can help target specific student demographics and direct traffic to college websites more quickly than ever before. Ultimately, this equates to a savings of both time and money for the university who is seeking to expand its student base.

What kinds of solutions do college marketing and enrollment services offer their clients? Their job is to create marketing strategies that will garner attention from college bound students and parents. These marketing techniques will vary from college to college, depending on what type of student each individual university is attempting to attract. Quality college marketing and enrollment services will tailor their services to meet a school’s recruitment budget, and then employ a myriad of methods to promote the university, such as multi-media campaigns that include printed materials like brochures and magazines, interactive CDs/DVDs and online presentations. They may also generate leads by using e-mail marketing campaigns that target a specific clientele, like potential MBA candidates. Search engine marketing, which uses search engine optimization to drive internet users to college websites is a very important tool put in place by most of these services, since most college bound students are extremely computer savvy and do a great portion of their continuing education research via the internet.

Many college marketing and enrollment services work with universities by enhancing the school’s website to include interactive features such as blogs, social networking, virtual advisors, student web portals and group chat options. By providing a more complete website, colleges increase the number of serious inquiries for enrollment because potential students are having more fulfilling experiences looking for answers and information online. These types of online marketing campaigns free up valuable resources that would otherwise be spent on printing and postage. It also allows enrollment and recruiting staff the freedom to focus their efforts on areas such as highly specialized recruiting that may need to be more personal in nature.

Follow-up service is a crucial part of any campaign that college marketing and enrollment services should offer. Without lead management, reporting and web diagnostics, the marketing campaign would be incomplete and a waste of valuable resources. Universities need to be able to track results to determine which aspects of the campaign work and which parts need to be readdressed; so that every effort is being made in recruitment produces maximum results. By using technology to create proprietary systems, many college marketing and enrollment services are able to customize lead management and reporting programs to fit each school’s needs. This customized analysis of the school’s marketing campaign saves the university staff both time and money by identifying clear areas of success. That information is valuable when determining how to appropriate budgeting and staff as the recruitment efforts go forward.

With the recent lag in the economy, many state governments are faced with having to cut education budgets due to deficits. Many universities are looking at serious budget cuts and need to maximize the results of every recruitment dollar spent. Any university looking to increase it’s exposure and communication efforts with potential and returning students needs to seriously consider working with college marketing and enrollment services. These services will help universities project their unique environment, curriculum and programs to the largest possible audience, in the most cost-effective way, to ensure strong enrollment. Sounds like money well spent.


SEO Services Pricing – How Much Do You Have to Pay for SEO?

Preface to SEO Service Prices

In support of any business transaction or purchase, it is so realistic that you should only spend your money when you feel comfortable. And your comfort zone varies on so many dependencies such as how well you know about the business and its marketing system, especially internet marketing & SEO services etc. A quality SEO service is the combination of estimated time duration, dedication, effort, strategy, technique, method, skill, and experience. The reality is that generally it’s not a hard work, but doesn’t imply that it’s too easy.

Necessity of SEO Services

SEO services are generally can help your business to grow faster than any other medium or method. As per Google strategy, businesses that use the web are more likely to grow faster than any other businesses that don’t. Basically SEO is not a cost but an investment that will help your business using the web more effectively & efficiently and get a greater return from your online outlay.

Set Yourself a Realistic Marketing Budget and Goal

Don’t think you will pay $100 and overnight you will make thousands. Instead, create a logical budget depending on your marketing strategy, competitive industrial environment, project outline, and a length of time. It is forever that “cheaper does not always mean better”.

Most of the SEO service providers & engineers are not going to be cheaper, but well worth in every dollar spent. In case of other marketing and advertising platforms, such as television broadcast advertising, print advertising, large trade show or fair booth advertising etc., search engine optimization is one of the most efficient and trustworthy methods for the development of your business. Prices of SEO services in between $4,999 to $24,999(varies on place to place), which is far more economical and cheaper than any other marketing & advertising platforms. Now it comes out on top position in every step when it compared to other advertising platforms.

SEO Payment Models

If your business is online traffic based, you must deal out more money for search engine optimization to get more profit; how much you will pay for SEO services and to get this point, there are three different pricing models as to buy these services which is shown below:

• Hourly Consulting

• Project-based Pricing

• Monthly Retainer

SEO Services per Hour

Hour based SEO service is the most admired pricing scheme. You can pay the SEO Company or consultant in a fixed rate which goes from $19.99 to $199.99 per hour and it varies depending on number of factors such as region, size of the company, promotions etc.

SEO Services Per project

The project fees are same to contract services with some exceptions that they are custom projects created particularly for a client but pricing varies in accordance with the project. Generally there is a 30-40% down payment and the rest in predefined milestones. This method is better in cases where you are actually not sure that how many hours are needed for the given task and it is also preferable for budgeting purposes.

Monthly Services

The most successful & popular SEO campaigns are not enlarge over one month and you should agree on a monthly charge. The frequent monthly range is from $499.99 to $1499.99. In this model, clients pay a set fee for each month in exchange of a group of services. IT is the most common payment model, because it provides the greatest return on investment (ROI). Monthly retainer planning usually includes with regular analytics reports, on-site content improvements, press releases, link building, keyword research, and optimization etc.

Company Services

Company is now a growing organization for Internet Marketing & SEO services. Like other SEO agencies it also uses all of these payment models with an affordable price where client satisfaction is the first priority.

At the End

At last it can be said SEO services is not an expensive service. If you take into account the benefits of it & the high return on investment, it would be clear prices are not too much and basically it varies for different reasons.


Where to Find Nanny Payroll Services

There is a lot to consider when it comes to employing a nanny. Not only will you need to conduct a thorough search in order to find someone you and your children feel comfortable with, but there is also a whole lot of admin to tackle when you become an employer.

This can be especially daunting if you’re a busy parent without much free time on your hands, so you will need to find someone who can help you complete the necessary tasks with minimal fuss, well in time for your new employee’s arrival.

Thankfully, there are specialists out there who can help you take care of your payroll obligations. They are also surprisingly affordable, so you don’t need to worry about blowing your budget. Most of these services have been designed for parents, by parents, so you’ll know that you’re in good hands.

Online payroll services are tailor-made to suit your requirements. You can also purchase an employment contract, which is the first thing you should think about when you hire a new employee to work in your home: UK law stipulates that you must provide a legal employment contract within two months of their start date.

However, your obligations don’t end there: you’re also required to pay your nanny’s weekly or monthly salary, including tax and national insurance contributions. In order to keep on top of these responsibilities, it’s a good idea to enlist the help of an expert who can help you meet your obligations quickly and efficiently.

As well as adding tax and national insurance your employee’s pay, you will also need to make Employer’s contributions. In order to manage the payment of income tax and NICs, a Pay As You Earn (PAYE) scheme needs to be set up. This is the system that HMRC uses to collect the contributions from an employee’s pay as they collect their earnings.

A payroll service will cover the set up of your PAYE scheme and register you as an employer with HMRC, so you don’t have to worry about finding time to do these things yourself. In addition, the company you hire to take on your payroll will also provide monthly or weekly pay slips so you know how much to pay your nanny.

Once the service has been set up, if there are ever any changes to your employee’s pay due to sick pay, maternity pay or a change of personal details, you will be able to contact an adviser and they will implement the changes for you.

You will also receive quarterly statements setting out the income tax and national insurance for you (the employer) and your nanny. This is required by HMRC in order to show a summary of every salary amount that you have paid including your tax obligations.

The service will also cover your annual return, which will be sent to HMRC summarizing your payroll figures for the year on your behalf. The company will then prepare a summary for your employee showing the details of their pay and the taxes that have been deducted during that annual period.

The company will also deal with any paperwork if and when your nanny ends their employment, so will keep you covered throughout their whole employment period. It’s good to know you have this kind of security when you have so many other commitments to handle.

Nanny payroll services are usually delivered by professional experts with years of experience in the industry. Many of them are parents themselves, so will have first-hand experience of the challenges of looking for childcare. If you’re yet to find the perfect employee, a recruitment adviser will also be able to help you conduct a successful search.


Common Professional Accountancy Services in the UK

As a business operator either as sole trader or limited company, you will probable require financial services which are best delivered by a firm of accountants. The services of independent accountants will differ in many aspects from what you’d expect from an accountant on your payroll. In this article, we’ll explore a few of the services for which you might retain an accountancy firm.

Book keeping services: This refers to the recording of your day to day trading transactions. Thus all your purchase invoices, receipts for expenses paid, sales invoices, credit notes received and issued, delivery charges and delivery notes, cash received from debtors and cash sales are entered into your accounting records, often referred to as your “books”. In this day and age, your “books” would usually be a software package, and the records would be entered using the fundamental double entry system and other accounting precepts.

A lot of small businesses and most medium to large businesses have employees who handle the book keeping internally, however, for the sole trader or small business , it can be convenient to have this function fulfilled by their accountants. This does have the effect of freeing up time for the business to focus on its core activities. Plus, it should result in excellent record keeping as the accountancy records are being kept by professionals.

Management accounts: These are usually extracted from the accountancy records that have been produced by the book keeping process. management accounts are generally required by the management of a business to provided a financial overview of the performance of the business over a fixed period of time. Monthly, quarterly and annual management accounts are fairly standard. Management would usually receive a Profit and Loss account, and a balance sheet statement together with profitability ratios and perhaps budget deviation reports if a budget had been setup during or before the accounting period being reviewed

Financial accounts: The financial accounts for companies must comply with all the relevant laws, in particular, companies act 2006 . A requirement of the Companies act is that the accounts should follow generally accepted accounting practices (GAAP).The company’s retained accountant would either prepare the GAAP accounts or advise the directors in preparation of the said accounts. Naturally, the nature of the service would depend on the contract for services signed by both parties. Note that whoever prepares the accounts, the responsibility for the accounts lies with the company’s directors. The financial accounts are viewed by the management, the shareholders, the bankers and creditors, potential investors, and other interested 3rd parties. The financial accounts will also be submitted to the relevant tax office and for companies, to companies house. In the United Kingdom , companies house is a government agency involved in the monitoring and control of incorporated businesses in the UK. Accounts submitted to companies house are available for public viewing. The accounts for sole traders and partnerships are not governed by companies act but would be used for tax returns .

Audit: For certain classes of company depending on their size and industry, an audit report is required each year that the company meets the audit criteria plus ancillary years as determined by the secretary of state. Essentially, an audit report requires the reporting accountant to express an opinion on whether the accounts of the company show “a true and fair view” of the affairs of the company . It would be well beyond the scope of this or any other short article to discuss in detail what can be one of the most contentious documents in the business world today.

Corporation tax, Personal tax, VAT: Corporation tax is payable on company taxes each year and handling these matters as an agent on behalf of the business is one of the most important services accountants offer.Personal taxes being taxes collected on the income of individuals can be managed on behalf of companies and individuals by firms of accountants. Value added tax (VAT) is usually managed by a business as part of its on going book keeping procedure. Where the external accountants are also the book keepers, they would generally deal with the management of VAT as an agent of the business.

Company secretarial; The operation of an incorporated business requires that a number of statutory matters are executed each year. These include general meetings , directors meetings , submission of company accounts, submissions of other documents such the annual return, appointments of directors , notification of registered trading address. For smaller businesses , accountants generally handle the company secretarial duties.

There are several other services a firm of accountants can offer, and these include management consultancy, corporate finance, general financial advice amongst others. In business , you will come to a point when you know there is a need for professional business advice, an accountant should be high on your list of persons to call.


Be Wary of Income Tax Preparation Services

Most income tax preparation services offer a legitimate, if over-priced, service. They help prepare a legitimate tax return. There are others, however, who might prepare an illegitimate return to make extra money.

Be careful of any income tax preparation service that promises to get you a refund, this is a good sign that this service is not legitimate. Such service cannot guarantee you a refund before they know anything about your finances. Such statements are frivolous. You should avoid any tax preparation service that charges a percentage of your tax refund as payment.

Ask yourself if you believe this person will be able or willing to support you in an IRS investigation.

Check on his or her credentials. Only attorneys, accountants, and enrolled agents have the right to represent the taxpayer in all matters. The income tax preparation service you hire can only support issues regarding returns they have prepared.

Ask for references from people for whom they have prepared income tax returns. They might try to tell you that this is proprietary because it is tax information, but taxpayers can volunteer a testament of good business conduct with no risk or violation.

Look for affiliations and memberships in things like the Chamber of Commerce or the Better Business Bureau.

Ask if they have any certification or accreditation.

Find out how long they have been in business. Finding out how long they have been preparing taxes is a good barometer of how reputable their business dealings have been. Generally, the most reputable income tax preparation services are the ones in business the longest.

Ask them if they have ever supported a client in an Internal Revenue Service Tax Audit.

Be sure to compare prices. When doing this, check out the rates of a small CPA office and compare them to the major chains. You will certainly get a more qualified person t prepare your income tax return, and the fees might be closer than you think.


Tax Resolution Services Can Be a Viable Option for Overcoming IRS Tax Problems

Tax resolution services can eliminate your tax troubles. Don't just let back taxes get the best of you!

Dealing with personal or business tax problems can quickly escalate into a minefield of other issues, such as wage garnishment, liens, and late penalties. One strategy for nipping these problems in the bud is to enlist the help of a qualified, experienced tax resolution service.

Many people aren't aware of this option until they owe back taxes to the IRS, but there is a specific type of service business that caters to people who are grappling with tax problems. Often referred to as tax resolution services, these firms provide taxpayers with help in negotiating settlements with the IRS, setting up installment plans to ease the pressure of having to pay a large tax bill, and other types of IRS problem resolution.

The professionals who offer resolution services include tax attorneys, certified public accountants, and enrolled agents. An enrolled agent is either a former IRS employee or a consultant who has passed a comprehensive three-part IRS test. In order to maintain their credentials, enrolled agents are also required to adhere to strict ethical standards and complete 72 hours of continuing education every three years. Like tax lawyers and CPAs, enrolled agents are authorized to represent clients before the IRS.

Tax resolution services typically have the knowledge, training, and credentials to get their clients out of a variety of binds. In addition to handling settlement negotiations, these firms can usually help taxpayers and businesses gain control over issues like IRS audits, unfiled returns, and IRS penalties. Good resolution firms can help clients iron out a lot of tax-related problems by offering services such as wage garnishment cessation, penalty abatement, and help with liens and bank and wage levies. Qualified tax consultants can also offer valuable assistance with amended returns, payroll tax problems, and effectively applying for different types of tax debt relief.

Two of the more common forms of tax relief are called an "offer in compromise" and "innocent spouse relief" claims. An offer in compromise may enable a taxpayer to reach an agreement with the IRS to settle their tax bill for less than the full amount they owe. It's extremely difficult to accomplish this without the help of attorneys, CPAs, or enrolled agents, but when this type of IRS tax settlement is secured, it can remove a large burden from the shoulders of the taxpayer.

The other tax relief strategy, innocent spouse relief, has the potential to relieve a taxpayer of having to pay certain taxes, interest, and penalties if their spouse or former spouse failed to report income, claimed improper deductions, or was responsible for other significant reporting errors. Whether the spouse filing for tax relief had any knowledge of the error is one of the criteria the IRS uses in determining whether to approve the claim.

Because of the complexity of IRS tax laws, tax relief procedures, and problems with IRS back taxes, getting an experienced consultant to steer you to a solution is often the best first step.