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The lesser known VantageScore made another inroad in its battle with the almighty Fico score, grabbing a patent for its system of “characteristic leveling.”

In short, characteristic leveling provides consistency among the 3 major credit bureaus, something the traditional Fico score has struggled with (why credit scores are different?)

So if the same data is presented by different credit bureaus, it should yield the same result, or credit score.

“The ability to use a common score across the three CRCs minimizes consumer and lender confusion,” said VantageScore Solutions President and Chief Executive Officer Barrett Burns, in a press release.

“Because of VantageScore’s consistency across all three CRCs, lenders who use it will be better able to delineate risk in a predictive manner.”

This is pretty important because many banks and mortgage lenders currently rely on the middle of our 3 credit scores when making a decision to extend credit.

And borrowers have to worry about disparities between their credit scores, which are often the result of different reporting by bureaus using the same data.

In fact, many consumers have such a wide range of scores that they may be deemed excellent by one, and only average by another.

The hope is that with characteristic leveling in place, differences in credit score will only be attributable to different data sets, as opposed to differing scoring algorithms.

This increased consistency could lure more creditors over to VantageScore, which is currently a small fish compared to the all-powerful Fico score.

Recently, Fico also lost the trademark on its 300-850 credit score range.

So many times, the loan approval is delayed because of huge paperwork and documentation checking. We all want to find a loan application that may give us the timely approval, without the paperwork problems. Without any collateral you can get the necessary money through secured loans that were designed for quick approval. These loans are tailored to clients with urgent problems that must be resolved immediately. You do not need to provide any collateral for the aid in small amounts. This facility is so easy to obtain that anyone can apply for this funding.

Unsecured loans offer the approval immediately and the money will be deposited into your account within 24 hours. For this option, the person must be 18 years and has a stable income. You must have a permanent job and get paid at least £ 1,000 per month. Read more…

Paul R. Ridgeway founded the event planning firm that has worked with the National Football League on transportation, and the businessman once held the limelight while heading a campaign to keep the Minnesota Twins baseball team in Minneapolis.

Now, Ridgeway has filed for Chapter 7 bankruptcy, as the Minneapolis St. Paul Business Journal reports that the Ridgeway International Inc. founder has struggled with liabilities that outweigh his assets, and that his business offices have been foreclosed on.

The mortgage on the business headquarters is worth a little over $1 million, and it has been foreclosed on by U.S. Bancorp.

The Chapter 7 bankruptcy filing is not necessarily a surprise. News of Ridgeway’s financial issues came out in early 2009. The Minneapolis Star-Tribune reported that the charismatic businessman had a growing list of unpaid bills on his ledger and was struggling with debt.

Back then, the Star Tribune said that he owed money to members of a high school football team that parked cars during a sports tournament. T

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As anyone recovering from bankruptcy, trying to eliminate debt or otherwise reshaping their finances knows, shopping and buying new things can be a source of stress – after all, we all need stuff now and then (whether it’s a new part for a car, a new refrigerator or new shoes for our kids). But we shouldn’t have to worry that our purchase will turn into a nightmare if something goes wrong.

A recent post from WalletPop.com outlines what it calls a “Customer Bill of Rights,” which offers suggestions for what ordinary consumers should look for in their purchasing to make sure they won’t be scammed or led into a labyrinth of red tape should something malfunction.

Know What to Look for in a Company

Here’s a summary of how to better navigate your spending and buying experiences.

• Look for contact information. If a company doesn’t readily display contact information (with email addresses or phone numbers on a web site and actual representatives in a store), you may not want to shop there. After all, if

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Internet Security 2010 computer malware attacks my two “protected” computers, leading me to abandon the computer protection software I’ve defended for years!

IT’S A HORRIBLE SCAM!

This last weekend was a computer disaster!

Norton let me down…and now I have walked away from Norton.

Without warning, computer demons took over my two computers, shooting “high risk” warning messages all over my computer and preventing me from launching “help” programs or rebooting into safe mode.

I was freaking out, believing I was headed toward another meltdown.

Trying to fix the problem, I discovered the alleged fix to be the scam!

INTERNET SECURITY 2010 IS BAD ASS!

I’ve not faced a computer intruder as bad as Internet Security 2010 malware.

Apparently, this demon appeared in early December 2009 and has swept through computers, wreaking havoc all the way on computer users not able to troubleshoot on their own.

“It killed my computer! I think i got it bad,

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The time has come when many people are facing insurmountable debt. This can cause you to feel completely alone and as if there is no way out. Debt help lawyers can give you the tools you need to finally take control of this debt and begin the process of getting out of debt and staying out of debt. Debt can happen so fast, you may not know exactly how much debt you have accumulated, with debt help lawyers you will finally have these answers and this is the first step in getting it under control. Many people simply want to bury their head in the sand, but as time goes by more collectors will begin to call your home and your work and wreak havoc in your life. You may not be able to answer your phone without talking to a collector and when you enlist in the help of debt help lawyers, you will stop these calls in their tracks.

When you are looking for debt help lawyers, experience counts. You may want to look for a lawyer that has a good level of experience helping others with debt.

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