2008 August | Credit Union Brokerage
Aug 31

When applying for a brokerage account, the brokerage misspelled my last name.

So now my credit report notes two names: my actual name and the misspelled one.

My score is good, but I'm wondering if these two different names could cause a problem when applying for a car or home loan?

I have had the same problem several times - I have a difficult first name - and it has caused some confusion at times. Call the three major credit bureaus (Experian, Equifax & TransUnion) and ask each one what their policy is on changing the name. If I remember correctly, they will tell you that your report is connected to your social security number and there is no need to change the name that was submitted to them, but it's been a while since I've done it so I can't quite remember.

Posted in Credit Brokerage | 6 Comments »
Aug 31

I have a little under $20,000 in student loans. I am trying to look for a bank or credit union that I can I guess "refinance" my loans with. The company that I pay only has a 10 year plan which makes my minimum payment near $300 a month. I am looking to extend my 10 year plan to 15 or 20 years so that it is more affordable for me now… and then later I can pay more as I move up in my career. Any suggestions?

Why don't you seek government student loans called Direct consolidation Loans which are financed by Government and have very flexible terms with a repayment of up to 30 years.
Check out site below for more information.

Posted in Credit Unions | 1 Comment »
Aug 31

Vulcan Brokers Event at South Lake Union Discovery Center in Seattle. Vulcan Representative talks about current and upcoming real estate developments in the downtown Seattle area.

Duration : 0:1:48

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Posted in Union Brokerage | No Comments »
Aug 31

http://www.a1freighttraining.com freight broker training trainer Jack Martin (828)348-4921 talks on the importance of checking new customer credit

Duration : 0:4:37

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Posted in Credit Brokerage | No Comments »
Aug 31

The third installment of The Difference between Banks and Credit Unions series. Featuring the most awkeard stickman run you’ve ever seen!

Duration : 0:1:30

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Posted in Credit Unions | 3 Comments »
Aug 30

My Uncle is getting married soon, so for his wedding some relatives sent a watch worth $150 but written off as $100 from the U.S to Canada so we can take it to Bangladesh for his wedding. However, when the package came, the total fees were $46.36, a third of the value of the package. Also, it was sent as a gift and we didn't buy it, and it was even written as a gift on the invoice, and yet we still had to pay.

So my question is, does the receiver of a gift have to pay the ridiculous charges, or does the shipper pay? And is there a way to get around the fact that an entire 3rd of the value of the watch added up to the duty fees?

Also, is C.O.D optional? Or can the shipper outright pay the brokerage fees through credit card or something?

Thanks for your help.

that is an ugly can of worms.

UPS with which I have no problem within Canada has a nasty habit of gutting and cleaning your wallet when they deliver a package from the states.

The customer is expected to pay whatever they demand. Gift or not it is goods and as such the taxes apply (which in my eyes is totally wrong) The postal system will charger $5 handling fee on top of that but UPS or FED EX will take your first born if they choose to.

The $20 item I purchased with exchange factored in was all of a sudden going to cost me $60 more in fees from UPS !
That was the last time I used their services for items from the states!!

Posted in Credit Brokerage | 1 Comment »
Aug 30

I always thought that our Government was the only instutition to have all vital records and personal information. Yet anyone with a credit card and a computer can access it. And when this information is leaked, which key player is the one to which you can lay the blame?

Stan, once again you amaze me.

You can not obtain personal information about someone through the "Freedom of Information Act". As a matter of fact, if you actually bothered to read the law, most of it covered information that is not allowed to be released, especially personal information.

OK, that said…who do you blame when information gets released? Start by looking in the mirror.

Any time you give a creditor personal information about yourself, you can expect it to be placed into the credit bureau's records. By pulling your credit history, you can view everyone who accessed it.

Only those with "permissible" reasons to access your records have access to it. Otherwise, you can bring a lawsuit against them.

Posted in Credit Unions | 4 Comments »
Aug 29

My online brokerage company spelled my name wrong and reported this to the credit agencies. Now the misspelled name is on my credit report. Is this a problem? Should I try to correct/dispute this? Thanks for any info.

Greetings,

First, contact the brokerage company and have them correct the error. Then you much contact each of the three credit bureaus in writing, disputing the error. Include a copy of your drivers license or other government issued ID, requesting a correction. You have to recheck the reports and make sure the errors have been corrected. Credit bureaus will not take any information on the phone. It may take 30 to 90 days to get this corrected. Good luck.

Posted in Credit Brokerage | 3 Comments »
Aug 29

A local credit union advertises paying interest on checking, but has misrepresented the requirements. What regulatory agency should I complain to?

The State Attorney General's office is a good place to start.

Posted in Credit Unions | 3 Comments »
Aug 29

Amazing Manhattan location, located between Union Square and the Flatiron District.

Very Large and tons of light
Renovated kitchen and bath

Call me to view this hot apartment

Duration : 0:0:50

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Posted in Union Brokerage | 1 Comment »

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