Tampa, FL (PRWEB) August 20, 2009

Perfect Credit Group (http://www.perfectcreditgroup.org ) is excited to announce the release of the first blogosphere network for socially responsible Americans. PCG is a non-profit organization which allows its users to post their credit scores, when above 800, online. Perfect Credit Group is a global leader in providing information, analytical tools and blogging services to consumers who possess a credit score (FICO) in excess of 800. According to Fair Isaac Corporation, less than 10% of all Americans fit into this elite group of individuals.

PCG is searching for consumers who have achieved the perfect score. “Earning a credit score of 850 is a major accomplishment. There is only a very small handful people in America who reach this milestone,” said Joseph Isaacs, Executive Director of PerfectCreditGroup.org. “We want to recognize consumers who have managed their credit responsibly over the years and help others learn from their example. To reach 850, you have to build up a history of sensible credit and debt use over many years,” said Isaacs.

“PCG feels those individuals should be rewarded for a lifetime of fiscal responsibility and not penalized by reduced credit limits, cancelled accounts or reduced scores. Each of these individuals has a story to tell about the positive or negative effects that the recession is having on their scores and credit limits. We, at Perfect Credit Group, want to hear those stories and allow them to be shared with others in this niche group. It also may act as a motivator for others to work more diligently on improving their score.”

Perfect Credit Group is not
1. A credit bureau
2. A credit counseling service
3. A credit repair service
4. An issuer of credit
5. Affiliated with any bank, credit bureau, the Federal government, or any other State credit agencies.

PCG allows its users to comment on top stories, create blogs and interact with each other through its “Friends Network”. Registered users can upload images, create a profile, make friends and chat with one another in a similar fashions to MySpace, Facebook or Twitter.

“We hear so much today about rising unemployment, financial risk taking and credit defaults, but nothing about the elite group of Americans whom are financially responsible,” says Joseph Isaacs, Executive Director of PCG. “We designed this blogosphere to find out how appreciated those with a perfect credit score were in today’s recession. Do they really get better deals on credit or are their scores inadvertently being penalized along with everyone else,” he adds.

PCG wants to hear from anyone with a FICO (credit score) over 800. Additionally PCG seeks to create an interactive network for anyone with a verifiable 850 FICO score. “Is it actually a reality to achieve an 850 score, or is at just an arbitrary number created by the credit bureaus?” asks Bill Klein, director of marketing for PCG. “PCG will reward one of those individuals who has an 850 score, in 2010, with a cruise to the Bahamas,” he adds.

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Answer by Just Me
Try http://www.quizzle.com safe and fairly accurate but if you need exact you need to pay for it here http://www.myfico.com Added annualcreditreport does NOT give you scores.

Answer by Amanda
I applied the first weekend in May and I received my eligibility letter in July I think. The school verified my enrollment at the beginning of August. I was told that I would have my book stipend within two weeks or so and my first BAH payment by October 1st. October first came and went. i called the second week of October and was told that they couldn’t tell me when I would start getting my money. As of yet I still haven’t received anything. And you are really lucky if you can get through to the education number they give you. I called over and over for days and I it wouldn’t even give me the opportunity to hold. It just kept hanging up on me. This whole thing is getting a little frustrating. I read on another webiste that someone heard that no one would start getting money until the end of December or the beginning of January. I don’t know if that is accurate or not though.

Answer by DebtWillEatYouAlive
I can save you the money by giving my answers to his questions: * A dirty little trick that credit card companies use to lower your credit score to keep their competitors away from you; learn if you’re a victim of this, including how to fix it. This trick is cards like CapitalOne don’t report your credit limit, only your high balance. This can make your utilization appear higher. To see if you are a victim of this look at your credit report and verify that the reported credit limits match your actual credit limits. Fix it by either getting rid of those cards or disputing the information with the credit bureau. * Which errors on a credit report are a waste of time to fix and which are a high priority (helping you to raise your score by 5, 10, 15, 20 points at a time). Bad advice, if you see an error go ahead and get it fixed. The low priority items are inquiries greater than 6 months ago and pretty much any incorrect but positive item. Negative items are obvious, late pays, etc. * How to build credit (if you have none) and rebuild credit if you’ve gone through a divorce, bankruptcy, or other major delinquency. Small secured bank loan, secured credit card, small car loan. Make sure they report. * Why you should NOT become a cash-only citizen; at the same time, learn how to keep credit active without putting yourself into debt. Credit is handy, no reason no to keep some credit cards around, no need to do more than place an occassional charge on them to keep them active. No need to ever pay interest. * How paying collections can HURT your credit score. It re-ages your account. * How to prepare for a loan by improving your credit score. Reduce utilization (either increase limits or pay down cards), age off inquiries (more than 6 months and they don’t matter). Dispute off negative items. * How to maintain a high credit score for the rest of your life! Pay your bills.

Access Loan and Credit Data introduces anyone to lenders who understand that good people can
have bad credit. Members will not only be offered loans but they will be helped with the re-establishment of their credit worthiness.

Access Loan and Credit Data is a resource that was set up to facilitate credit even for those with a bad credit history. During this recession banks are tightening their criteria for lending so consumers need lenders they can approach with confidence that a loan will be forthcoming. The resource will provide ways to improve credit rating and advice on how to avoid bad credit in future. To find out more about the resource visit. http://www.loans2loans.com

Members receive a Bad Credit Loan Lender Database for autos, mortgages, personal loans and credit cards; a Credit Score Boosting Guide; Identity Theft Protection Guide; also exclusive access to unlimited lifetime updates and other bonuses.
Often banks are asked for a loan and they offer a credit card because they get better long term interest. A fixed repayment plan on a loan, if followed, means paying less interest than would normally be paid for the same amount on a credit card. Of course, discipline is required with both; otherwise missed repayments mean bad credit but Access Loan and Credit Data can find lenders offering you manageable terms.

Access Loan and Credit Data has a list of lenders who offer immediate help. A free credit report is offered as part of the service. Many lenders do not provide credit reports and will not tell their customers the advantages of checking their own reports. Testimonials of people who are amazed after being turned down by numerous banks and loan agencies can be accessed via the link below.

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Answer by Feeling Mutual
You should contact the attorney general and report them.

Improve credit score with some simple but effective tips, especially if you have a bad or adverse credit rating or have had problems in the past. Everyone goes through hard times and everyone misses payments or defaults on loans but it’s wise to fix these shortfalls as soon as you can and improve credit score.

Here’s 2 Tips To Improve Credit Score.

Tip 1: Be Careful Of Inquiries On Your Credit Report.

Each time an inquiry is made on your credit report, it’s noted and recorded on your report. If you have a lot of enquiries in a short amount of time it may seem that you’re shopping around for loans or that you’ve been declined by many lenders. Both give the impression that you’re a poor credit risk and could certainly affect your credit rating.

Be careful who you allow to perform a credit search on you and only do so when you definitely need that particular service or product.

Another way to cut down on credit enquires is to deal with companies where you’re already a customer. These companies may perform a credit search but will more likely refer to their internal records and your history with them when they offer you a service.

Tip 2: Be Careful Of Online Loan Rate Comparisons.

It’s so easy to get online quotes from different companies for comparing rates for loans or finance but remember that each quote has to be tailored to you and your circumstances. That means that every time you request a personal quote a credit search will be made by the finance company. This enquiry will be recorded on your credit file.

Don’t stop making requests for online loan or finance quotes… just go about it in a smarter way. Research thoroughly any companies that you want to deal with and find out as much as you can about the service or product that you want from them. Only when you’re completely satisfied that the product meets your requirement and that you meet the company’s criteria, apply for a quote.

This 2 tips will help cut down drastically on the number of enquiries made on your credit record and it will help to improve credit score.

No matter how hard it may be debtors should look to improve their credit score and refinance their debts with lower interest rate loans (may be promotional 0% interest loans on balance transfers). This will allow them to pay the debt down, not fight with high interest payments forever. They may be able to increase available funds to pay bills by being extra tight with their spending. For many it is unlikely to increase income in the short term in this difficult jobs market. It may take few months, but here is how anyone can improve credit score naturally;

First Check Your Credit Score and Get Your Credit Report

By getting credit report people can see exactly what the lenders and credit score agencies are seeing. Study credit report in detail. Is there anything that should not be there? Get on to bank or credit card company and see if they can remove an incorrect entry. There may be small amounts of missed payments and late payment charges. Aim to reduce them first. Study this document and consider ways of improvement. A person needs to identify the problem before he can attempt to solve them.

Clues to Improving Credit Score are in Credit Card and Bank Statements.

Have a good look at the credit card and bank statements. Is there anything in there that is not known to account holder. Sometimes, people budget all their outgoings to single dollar. Then, there is a direct debit or standing order payment set in their credit card or bank account that they have forgotten about and have not accounted for. Even though it may be small amount, this one payment breaks the balance and the person starts missing the payments.

Get the list of direct debits and standing orders. Go through all of it and cancel the ones that should no longer be there. It is not uncommon for a monthly direct debit to continue, even though the service related to it has been cancelled with the provider. Study these statements to find out what is going wrong.

Is there any bank account, store card or credit card account that may be closed? Reducing these accounts will help improve credit score.

Make a Detailed Budget and Payment Plan

List all the outgoings and any savings that can be made. Take action and cancel any memberships or not essential outgoing that can be done. Consider the ways savings can be made small or big. Small amounts of spending add up very fast. For example, by making coffee at home in the morning, preparing a lunch pack and giving a miss to small discretions in the day a person can easily save up to a day.

Credit counselling and debt management agency services may be used to get help on budgeting and payment plans. These agencies may be able to put debtor on to a lower interest credit card plans, reduce the debt by getting the card companies cancel late fees and penalties. Some of these services run by charities and some charges monthly fees.

Try to Find Short Term Cash to Keep Up with Payments

Unfortunately, the bottom of the problems is cash shortage. Once the debtor prepares a budget and a payment plan, probably a little cash injections will be needed to keep up with immediate payments. Try to find the cash to tie things over. The debtor needs to keep up with the payments several months to see an improvement on credit score. This initial period may be difficult, but it has got to be done. To improve credit score a person must keep up with the payments. There is no other way.

Once Credit Score Improved Get No Interest Balance Transfer Credit Card Deals

If credit score was really bad, keeping up with payments even for a couple of months should improve it quite much. When a person with improving credit score applies for a new loan or a credit card, he may need to explain his situation. Most lenders will look at the recent position more favourably. Tell them that you had problems in the past, but you are now on top of them. And with a 0% interest balance transfer, you can recover faster until the 0% interest promotional period is over. They may allow the applicant a lower credit limit to start with.

Once back on track, people can keep getting low interest promotional card deals several times until they clear all outstanding debt. These offers are always around. This is the main point in whole exercise. Improve credit score to qualify for cheap loans and get out of debt much faster. They need to be well disciplined and determined to clear them all. Since the person will not be making high interest payments anymore, money that paid back will go straight to paying the debt down. That is the whole idea. These deals should not be used as a new source of spending. If it is used for further spending, person will be in a much deeper hole. This point is very important.

Homeowners can apply the same methods with slight variations until they reach to a good credit standing. The low interest rates may be around for a while. Homeowners should look to improving their credit score so that they can qualify for a refinance home mortgage loan with a good interest rate. This will put them on to a long term recovery. Refinance home mortgage loan will allow them to consolidate their high interest debt and give longer time to pay, reduce monthly mortgage interest payments and even fix mortgage interest rate. When the homeowner steadies the boat, they may consider making lump sump payments towards their mortgage.