Credit Cards For Less Than Perfect Credit

Northwest WorldPerks to Combine w/ Delta Skymiles

May 11, 2009 – 3:45 pm

Changes are coming for all Northwest WorldPerks Visa cardholders. With the merger of Delta and Northwest, both frequent flyer programs will be integreated into the SkyMiles airline loyalty program, now exclusively provided by American Express (previously managed by U.S. Bank). For Northwest WorldPerks cardholders, American Express says they will be allowed to keep the miles they’ve earned; however, to earn additional miles they will need to apply for a Delta SkyMiles credit card.

AMEX is launching a marketing blitz to tell cardholders what it would mean to be an American Express card holder — exclusive benefits that come with earning reward miles directly through Delta, the world’s largest airline operator. According to David Rabkin, Vice President at American Express, the issuer is offering “rich incentives” to encourage people to switch. For examp

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Epay Inc. now offers the first int. debit card payout service with 0 conversion fee.

May 10, 2009 – 8:43 am

Panama City, April 28, 2009 ” EPAY Inc, in cooperation with prime MasterCard issuer, has finally created the program allowing global companies to conduct payroll transfers through EPAY debit cards with NO FOREIGN EX. CONVERSION fee. This was announced recently by EPAY Inc., a Panama-based corporation engaged in financial solutions, payroll services, e-wallet services, money transfer services, e-payments processing, prepaid credit cards issuance, and other related activities.

www.epayarea.com representative said that any company worldwide can now utilize EPAY Inc. services starting from as low as $4.99 per card and make payouts to its workers, affiliates, clients etc. through EPAY Inc. prepaid Mastercards with high USD 10,000 monthly limit per prepaid card.

This new program saves users at least 3% in all transactions to each cardholder. EPAY Inc. is the first to release such lucrative program that has services being offered world wide. T

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Visa Black Card Secrets Revealed

May 7, 2009 – 2:29 pm

The Visa Black Card is the latest entrant in the prestigious credit card market category and has created a lot of buzz in the industry. Is it just another luxury card with prohibitively high annual fees? Or do the benefits of the new Visa Black Card justify its expense? Read on to find out more and how to get a Visa Black Card of your own!

To begin with, this particular card will get you noticed anytime, anywhere. The card itself is so unique that you can’t help stealing a look. The Visa Black credit card is not made from plastic like every other credit card in the market. Instead, it is made of carbon! Carrying the card itself is a unique experience. It is a very limited and highly exclusive membership. This card is targeted at the top 1% of Americans, with great income and high status. You can be sure, that you will have onlookers gaping as soon as flash it. I

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New FICO Credit Scoring System in ‘09

May 7, 2009 – 6:50 am

Fair Isaac Corporation, developer of the formula that determines your FICO score, is presenting a new model with TransUnion, one of the three major credit agencies, dubbed FICO 08. The new formula comes almost a decade since Fair Isaac changed the formula and at a time when more lenders have criticized FICO’s ability to predict defaults as they continue to deal with falling housing prices and the subprime mortgage crisis. Equifax is expected to follow in the second quarter, while Experian is not commenting due to pending litigation.

With 90% of U.S. banks using the FICO scoring system, many things will remain unchanged, including the importance of timely payments, length of credit history, amount of debt and a scoring range of 300 to 850. The new system will provide a more thorough analysis of subprime borrowers and those with fresh credit histories, do a better job of predicting defaults and be more forgiving of one-time missteps. Howev

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How to become a successful Mortgage Broker

May 6, 2009 – 10:05 pm

Who is a Mortgage Broker?

Any person who acts as a middle man between the lender and the borrower is called broker. Where a mortgage transaction is involved he is called a mortgage broker. He helps in bridging the technical requirements of the lending institution with the requirements of a borrower.

Role of a Mortgage Broker

The role of a mortgage broker is critical in closing any loan transaction. He strives on the commission he receives on every loan transaction closed by him. It is a career option which in reality does not require any formal schooling, but offers a six figure salaries.

An individual who can understand the technicalities of a given transaction and translate the same in layman terms to the prospective customer helps him reduce the gap and support the growth of business.

How to Become a Successful Mortgage Broker?

A person should have the aptitude and skill to succeed in this career line.

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