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A new service called “Credit Sesame” gives you access to a monthly updated free credit score based on credit profile information pulled from credit bureau Experian.

While this sounds pretty cool, keep in mind Credit Sesame uses Experian’s National Equivalency Score, which is not a Fico score.

However, it does rely upon the Fico score range, which ranges from 300-850, so that’s a plus.

But they don’t provide a credit report with payment information and tradeline activity, so it’s a bit limited.

The good news is that the credit pull is a soft one, meaning it will not hurt your credit score (since you’re not applying for a loan or any other type of credit).

Signing Up for Credit Sesame

So out of curiosity, I decided to sign up for Credit Sesame – they ask quite a few personal questions, including home address and annual household income, but alas, I continued.

They then ask for your social security number, which is used to pull credit information from Experian (this is standard practice, so don’t freak out).

After that, you must answer a few questions about what may appear on your credit report to verify your identity.

Once registered, Credit Sesame provides you with your credit score instantly, along with your monthly liabilities, which is the combined minimum monthly payments for all your credit card debt and loans (auto leases, mortgages, etc).

They also provide your credit usage, which is the amount of your revolving credit currently in use. The lower the per

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Merchant funding provides cash for small businesses, saving one the hustle of looking for money for months or even years without any luck. One can get access to these merchant funding programs online which are unattainable and require processing. These funding programs usually offer people the chance to expand their businesses because one is allowed to payback the cash as their business grows. The best part about these funds is that one doesn’t have to pay anything when they are starting out. All they need to do is just apply and they can get a loan of up to ten million dollars.

Some of the best merchant funding programs usually offer rates that are highly competitive. One can also find an application process which is simple and fast and some of them even provide cash advances to people who have imperfect credit. Merchant funding is usually dedicated to making the transactions of one’s business cash advance uncomplicated, honest and secure. Read more…

The process that involves receiving, processing, organizing and recording payments is known as revenue accounting. It also keeps track of invoicing, recording and collecting loans and all other kinds of debt receivable on customer accounts. It is an essential tool which helps in finding out and also keeping a track of all the revenue that is generated.

Revenue stands from any form of income generated from the business. The income includes profits received from sales of products and services to customers. Growth of revenue is important for the business to expand. However, revenue is not as important as the net profit to investors and businessmen. Growth of revenue implies greater number of interested investors. Revenue is also replaced by the word ‘topline’ at times because it remains first in the list of profit, losses and all other financial transactions of a business firm. All Read more…

How many times have you heard this one recently: “Interest rates are at an all-time low.” It seems every commercial peddling a mortgage or refinance program lives by that mantra.

Well, it’s true: Due to continuing economic uncertainty, interest rates remain remarkably low, making now a great time to either buy a home or refinance your current home. If you are refinancing to lower your home payment because you are struggling to pay in full on time each month, you will absolutely want to refinance before you ever miss a payment.

The New York Times published an eye-opening article on mortgages and credit scores. Just missing one mortgage payment by 30 days can mean a serious hit to your credit score – but that’s not the only thing. Loan modi

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If you are like many other consumers in the US, you’ve got a facebook page. And, if you are like many other consumers  in the US, you’ve got debt. Put the two together and now Creditors and Debt Collectors have found one more way to reach out to you in an effort to collect on money owed.

The Federal Fair Debt Collections Practices Act, the law that protects consumers from debt collector harassment, was enacted long before social media or the internet. Thus the  line can become blurred between what is considered permissible contact and what constitutes harassment.

So may a debt collector reach out to your Facebook friends or family, post on your wall or “friend” you?  Two recent cases, one in Florida and one in California, have put some precedents in place for Social Media contact and the debt collection industry.

A judge in Florida ruled that a debt collector or creditor may use Facebook as a phone book of sorts to locate a debtor. However, s

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This is a pretty good video I came across. Wanted to share it with everyone. Enjoy

M-CARD mobile based framework capable of making cashless financial transactions using the users mobile The credit/debit card details of a user are downloaded from the internet to the mobile phone and saved on the phone The card details can then be wireless transferred to specially built servers located at merchant facilities for making All wireless data transmission has been secured and the card details stored on the phone are in encrypted The application cannot be used without knowledge of the

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