With the help of our partners, r2.integrated and PointAbout , we are excited to announce a new, free application available for our customers who own an iPhone or ipod Touch. It is our ATM/Branch locator and is available for download through the App Store on your phone or through iTunes.
The application allows you to use your GPS location to find the nearest branch or ATMs, including the over 16,000 MoneyPass ATM's around the country. Then you can 'Map It' to get step by step directions to the location. This is an ideal application for people who travel around the area or around the country and want to take advantage of the MoneyPass Surcharge free network.
To see how it works, click on 1st Mariner ATM Locator and view a two minute demo of the application in action. Let us know what you think.
Credit ratings are complied by the three credit bureaus, Equifax, TransUnion, and Experian. They all have slightly different methods and they are ever evolving but basically, credit scores are a compilation of the following:
• Payment History
• Outstanding Debt
• Length of Time on Established Accounts
• Number of Inquiries
• Types of Credit
The list is in order of most important to least important with regards of impact on your credit rating. It is important to remember to always pay your bills on time. If you are unable to make a payment, talk to your lender. Most lenders will work with customers who need help.
Be sure not to max out credit cards and other credit lines. As outstanding balances reach credit limits, this has a negative impact on your credit rating. Be sure to keep old accounts open, this helps establish a positive history. Keep the number of inquires to a minimum and diversify your borrowing methods (don't have all credit card debt).
Although times may be tough, the most important factor is to make payments. If you struggle making payments talk to your lender. I can't emphasize that enough.
If you are working to rebuild your credit, remember the factors that impact your rating. Every little bit will help get you back on the road to an improved credit rating.
A great step in evaluating your position is to get a free copy of your credit report. Although the credit bureaus charge for your credit score, each bureau is obligated to provide you with one free copy of your report every year. You can obtain your free copy by visiting www.annualcreditreport.com.
Feel free to be in touch with comments, suggestions, or questions.
Wade Barnes firstname.lastname@example.org
Recently, one of the nation’s largest rebate processing firms filed for Chapter 11 bankruptcy protection. So, how will you be affected? If you happen to mail-in a rebate form with a company that CPG or RebateStatus.com works with, your check may be in limbo.Currently, no one can predict how this will be handled, however, there are a few things you can do to manage your risk. Dealnews recommended that anyone who has a rebate check or expecting one not cash it due to the possibility of it bouncing and resulting in an NSF fee. Instead, they recommend hanging on to it until more details are available.If you are not sure if one of your rebates is even involved, below is a partial list of affected companies or you can go to rebatestatus.com and check. There should be a formal statement from the company within the next few days.
- Acronis Software
- Advance Auto Parts
- Bed Bath & Beyond
- BIC Corporations US - Shaver Division
- Home Depot
- Motorola (Surfboard cable modems)
- Natures Earth Products
- Panda Distribution
- PC Tools
- Rosewill (Newegg house brand)
- Smith Micro Software
- Tabletops Unlimited