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The top 11 credit mistakes Putting your administration or sequestration behind you My creditors are chasing me for money what do I do

Debt Help Debt Settlement Plan The 7 Steps to Wealth Sequestration vs Debt Counselling Collections crash course Do-it-yourself debt reduction consolidation consumer debt

A guide to bond registration Six simple things you can do to ensure a smooth home purchase 10 questions to ask your attorney Making use of an estate agent Arranging your move Buying a home

ID Theft Security Online Shopping how safe is it really Identity theft contacts debt settlement

Identity theft - Questions Answers An ID thief stole my life! Identity theft basics Password protection The dangers of using a cyber caf The 10 rules of financial management Saving with an access bond Money management tips Investor lessons from cricket

• Sequestration vs Debt Counselling

  The difference between Sequestration and Administration or Debt Counselling debt free

• Credit reports: Inaccuracy can be costly

  When it comes to your credit record, inaccuracies can be costly. Find out what the costs are. Get the best advice. We ll help you save money. consolidation debt service

• Which credit report is right for me

Do you know you have the right to get your credit report from the two major bureaus free, once a year You need both to get the full picture. The Credit Health Report gives you both, plus expert advice and guidance. company consolidation debt

• Credit Health Monitor

  Did you know that ID theft is becoming a major threat in SA. Crooks are stealing identities and fraudulently opening accounts with them. Find out how to avoid becoming the victim of ID theft... consolidation debt online

About Us

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Disclaimer: Your use of any information posted at http://www.credithealth.co.za is subject to the Website Terms. While Credit Health (Pty) Ltd has used its best efforts to verify that the information presented on this web site was correct at the time it was posted, we make no express or implied warranty regarding the accuracy, adequacy, completeness, legality, reliability or usefulness of any such information. debt problem

Fight back on your debt What to do if the Sheriff comes knocking Facing financial crisis Divorce could put you in unexpected debt

HomeLoans Apply for a Bond Consolidation Loan Capital gains tax Prequalified, Pre-Approval, Approval - what does it all mean Supporting documentation credit debt

Investor lessons from cricket

LifeStages Starting Out Buying a car Marriage Family Buying a house Getting ahead Overcoming challenges Planning for retirement Learning Centre About Credit Health Credit Health Manager Debt Settlement Plan - example advice debt

Debt Settlement Plan - Q A Why settle you debts Starting Out Starting out right building a good credit profile Spending your first pay cheque Advice Applying for finance what to look out for in the fine print Starting Out

You are really fortunate to be reading this at an early stage of your financial career path. We use the term career path for good reason ... if you learn how to manage your money now; and if you make a priority of it as you do your career, look what you can look forward to! card credit debt eliminate

• A life unburdened by debt! debt recovery

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• Living the life of your dreams! consolidation debt uk

• A wonderful personal life with no debt stress! debt reduce

Yes, its true! The outlook for someone who makes the right decisions early on is incredible! No matter how modest the beginnings! No matter how small your current salary! And because you are reading this, you are clearly heading in the right direction! Allow us to help you avoid some of the more common traps that most people fall into ... get out of debt

• Get your friends, family and colleagues to do it too and compare scores and progress. debt destroy

How does it work

• You answer a handful of easy questions about your spending. debt negotiation

• You do it quickly, without thinking long and hard. debt elimination

• At the end, you get your score and that tells you what areas you need to focus on, with the help of the information on www.credithealth.co.za consolidation debt mortgage

• It is completely confidential and its marked by the computer so no-one but you needs to see it. collection debt

• Best of all, its about getting free from debt slavery and making this the happiest, most empowered, most liberated, most successful time of your life! card consolidate credit debt

Assistance Online Shopping how safe is it really

By Iona Minton Most people spend their days in a constant rush with little opportunity to slow down or relax with family and friends. Sadly leisurely shopping sprees have become a luxury of the past and speed shopping in packed stores is the new norm. To avoid the crush and save time there has been a massive increase in online shopping. Why leave your comfortable couch or the office when you can visit the web for latest updates on books, music and DVDs You can even order your groceries or clothing online. Despite the obvious benefits many people still feel a bit uneasy about the ease of going online. The truth is there are some potential risks, especially when inputting credit card and other personal details on the web, which can certainly out-weigh all that convenience, when things go belly-up. consolidation debt help

The benefits of online shopping are fantastic; no annoying checkout queues, no parking hassles or shoving to get inside crowded shopping centre, no rude salespeople and buying online is often tax free, comments Shirley Dare, ClubCard and Financial Services Manager for Clicks. The dangers also need to be highlighted so that shoppers know what to watch out for, although most of these risks apply to all shopping experience both in-store and on-line. People should never let their credit card out of their sight. By the same token giving out credit card details online is basically the same thing as physically handing over a card. So common sense is the best defense against potential theft or hazards. Just be careful and use the same safety measures that you would in the real world and shopping online can be a life (and time) saver. consolidation credit debt

The most common and obvious thing to look out for is the legitimacy of the website that you are shopping on; make sure that the pages you type information into are protected by a Thawte, Verisign or another online website security providers certificate, do this by checking for anyone of their logos on the secured page(s). Other signs of online security are the closed padlock on the page and the s in the web address: https://.... Make sure you check this on each new page that you click through to. Also check that the website address is correct and that you have a direct link, dont shop on a site that requires redirection or go through the process of checking their security certificate again. Double check this by looking at the address of the site when online and make sure it is the same address you typed into your address bar, and that you have not been redirected to an unsecured site. bill consolidation debt

These logos and signs are all protected to ensure that not just any hacker off the street can copy and paste them onto their site to fool the consumer into giving his/her credit card details and other personal details that could be used for fraudulent purposes. This is done through the use of public key certificates which require the digital signature provided by Thawte, Verisign or its equivalent, as well as the public key, which is information provided by either the singular user or in the case of large corporate companies there is a company public key which each user applies his or her own username and password to. Should any certificate be under suspicion there is a public access Certificate Revocation List (CRL) that the certificate in question can be checked against which lists all revoked and terminated certificates. The other way is to query the certificates authority using the Online Certificate Status Protocol (OCSP) to find out the status of a specific certificate. All certificates that are under question or have been terminated are listed here. The certificate provider, e.g. Thawte, authenticates the certificate by allowing users to click on it (the certificate) and be taken through to a page generated by the certificate provider, where the status of the certificate is displayed. Provided you are taken to a page on the Thawte website, if it is a Thawte certificate and the status is displayed as valid, you can take comfort that the secured webpage(s) (https://) which that website uses to capture payment details are being secured and the information you provide will be encrypted and sent over the Internet in an unrecognisable format. consolidator debt

Logan Attorneys to clear your credit record when you order today! About us Contact us Surname Title --- None ---Dr.Mev.Miss.Mnr.Mr.Mrs.Ms.Prof. First name Initials SA ID Number E-mail Address Cellular Number Re-type E-mail Address Did you know Checking your own Credit Report does not harm your credit score, as it does not show up as check by a credit grantor Over 4 million people are negatively listed on the credit bureaus. Find out if you are affected. card credit debt management

or direct deposit. If you have any negative information, you ll receive a FREE quote from Verify your identity by faxing your signed Permission form and a copy of your ID to us. Credit scoring: how it works What is credit scoring If you have tried to get credit, a loan or a bond, you may have had your credit information graded for risk potential. This is called credit scoring or risk scoring . Credit scoring is one factor that credit grantors use to determine if they should extend credit to you. According to research, the better the borrower s score, the more likely he is willing and debt loan

able to repay the loan. The score is a number grade reflecting your credit history at a particular point in time. Lenders use credit scoring to speed up the loan review process and to reduce the cost of examining your credit information. Credit scoring also gives credit grantors an unbiased method of evaluating your credit history. Unfortunately, in South Africa there is no standard method of scoring. This means that you as a consumer cannot obtain one score which is rated according to one standard method knowing that if your score is good, then it will be rated as good by all credit grantors. The credit bureaus have developed the most common scoring methods. Experian use the Delphi bad debt

score, and TransUnion ITC has developed the Empirica score. Both use your credit data in the determination of your score. In fact, both companies are experts in the area of credit scoring, and regularly sell the credit grantors their credit scoring programs. consolidation debt quote

How does credit scoring work Your score will consider whether you have accounts in collection; whether you have any defaults and how frequent and recent they are; and whether you make your payments on time. How much impact each item has on your score depends on what other information is on your record. For instance, one late payment may not affect your score too negatively if the rest of your history is good. In addition, you will receive points for maintaining a good payment history. card credit debt elimination

The amount of outstanding debt Your score will take into account how many accounts you have, the average balances across the accounts, your current level of borrowing, and whether you are close to or over your limits. Carrying too much available credit can also count against you even if you are not making use of this credit. Your credit history Your score will take into account how long you have had your accounts, the total number of enquiries and new accounts opened, and the amount of time since your last enquiry.Credit grantors will do an enquiry on your record when you make application for credit. Your score will take into account the number of enquiries on your record, as research shows that consolidation debt lead

people who are expecting to run into financial problems open up as many lines of credit as possible, to have available in such times. The type of credit you use Your score will look at the diversity of credit you make use of, whether you use credit cards, department store cards, short term loan-shark type loans, access bonds or instalment loans. Negative information Negative information will definitely have an impact on your credit score. Such information includes judgments, bank and other defaults, collections, insolvencies, rehabilitations, administration orders and notices. In South Africa these listings have a huge negative impact on your credit score, and it is advisable to have these removed, if possible, before applying consolidation debt non profit

for credit. Use a specialist attorney to assist you with rescission of judgments and removal of default data. There are few specialists in this field, and we recommend Credit Health s partners, Logan Attorneys. debt loan student

Information not considered for your score Your race, colour, sex, sexual orientation, marital status and age will not be taken into account in the determination of your credit score. A typical scoring model may consider your profession and how long you ve been at your current address, for purposes of establishing stability. Everything in credit scoring is relative one negative item can have either a large or a small impact on your score, depending on your credit history. If you have a long and established history of good payment on your accounts, one missed payment will have little effect on your score. If you however have a short credit history, say less than two years, then one missed credit debt services

One of the reasons why you should look at your own credit record and not just take their word for it, is that mistakes are frequently made, or maybe you pay the account off and the company agrees not to put one of these defaults on your record, then does it anyway. This is something the Credit Health Report can help you discover and deal with. After all, if you re not looking after yourself, who is consolidation debt loan online

What is a judgment

If you stop paying an account, and do not pay even after getting phone calls or letters of demand, the store or bank may apply for a court judgement. A judgement is granted when a court has ordered that you make payment on the debt or outstanding account. A judgment remains on your report for 5 years. The company may then come after you for the money, via the Sheriff of the Court who repossesses your things and auctions them off; or it may write off the debt. They have years in which to do so, which is a long time to have something like that hanging over your head. So to protect yourself from the uncertainty, and take a weight off your mind, contact Logan Attorneys. consolidation debt home loan

Or, years later, a collection agency may buy the company s list of written-off debts and make themselves some income by getting the money out of you. If this happens, you will pay a lot more than you should unless you consult a debt specialist like Credit Health who can reduce the debt by up to 50%. debt national

Even if you never hear another word, a judgement is a serious problem because it stays on your record and you should take steps to get it removed, by paying the account and then going back to court to ask the judge to remove the judgement. company debt management

If you decide on this route, whatever you do, don t do it alone! Not only will you pay probably twice what you should on the old loan, but going to court is a specialized and very time-consuming process. Our consumer protection attorney partners, Logan Attorneys, can help you, saving you up to 50% of the money and uncountable hours and effort! christian consolidation debt

What is the minimum amount for which a judgment can be granted

Judgment can be granted for any amount but a court will usually not hear a case where the amount is very low as it is regarded as a waste of the court s time. There is no stipulated amount for the industry, but in general a credit bureau will not load a judgement issued for less than R100. When do stores or banks note adverse information on a credit report agency collection debt

At what point does a bank send through a message to the credit bureau, instructing them to put an adverse information note on your credit record The answer is, it varies. Each store or bank has its own policies. Credit bureaus generally require that in order to submit a default the lender or creditor: calculator debt

• must be a registered subscriber (i.e. be paying the credit bureau for the service) consolidation debt information

• the default must be accurate (Q: who s checking ) agency consolidation debt

• the account may not be in dispute (in other words, you have not phoned to query the account) consolidation debt solution

• the consumer has been sent prior notice california consolidation debt

• the amount is a result of a credit-related transaction card credit debt relief

What to do if you have default data on your credit reports

1. Find out the facts by getting your credit record consolidation debt loan uk

2. Contact the stores or banks that you owe money to and try and make an arrangement with each of them to pay back your debt. (NB! Be aware that if you ask to repay a smaller amount each money you will probably end up paying more interest!) collector debt

3. Once your debt has been paid, ask the store or bank to send the bureaus a written instruction to remove the default if their credit policies allow or at least update the information on your credit report to show that you have paid your debt. You can request Logan Attorneys to do this for you. consolidation debt equity home

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