Business Finance Profile

Archive for June, 2011

Chances are you have seen ads online for free personal credit reports. You may have even clicked on one and received a copy of your credit history. Now that you have all of this information, do you know what to do with it?

Check for inaccuracies

It is very possible that some of the information contained on your credit report isn’t accurate. It can be something as small as an address you no longer live at or something as big as a debt you paid off being reported as outstanding. If you find an inaccuracy, contact the credit bureau and ask them to correct the error.

Check for unusual activity

Does your credit report contain accounts that you never opened. Are there outstanding balances due to companies you have never heard of? If so, someone may have opened accounts in your name and your credit report is paying the price. If your credit report contains any information that leads you to believe you are a victim of identity theft, contact the credit bureau and your local police department, who may put you in touch with the FBI.

Check to see who has been checking you out

Your credit report contains a list of the companies and individuals that have requested and received a copy. By law, there are certain requirements that must be met for a third party to view your credit report. Most requesters are required to have obtained your permission and signature, although under certain circumstances, this isn’t necessary. Under the Fair Credit Reporting Act, “Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.” If someone you know shouldn’t have had access to your credit report, is listed as having obtained it, contact the credit reporting agency right away.

Your credit report is an important tool lenders use to help determine whether or not to give you credit. A free online credit report is an important tool that you can use to make sure your credit report is as clean as it should be.

The J.P. Chase and Company provides tons of options to the people at large, thus enabling them to properly manage their money matters. The same can be said about the Chase credit cards, which come with very lucrative and beneficial offers. One of them is the Chase Travel Plus Platinum Visa Card, which is truly beneficial for those who are frequent travelers.

The Various Aspects of the Credit Card

The introductory annual percentage rate of this card is 0 percent; this rate is applicable on balance transfers or new purchase for the first twelve months. Once the introductory period expires, the annual percentage rate increase to 14.24 percent. The variable annual percentage rates depend on the prime rate.

If you pay your balance full each month then you are sure to reap great benefits. If, however, you plan to carry balances, you will invite unnecessary finance charges (due to the ‘Two Cycles Average Daily Balance’ method used to calculate the finance charges).

The card charges no fees. You are not required to pay anything towards annual fee; there is nothing as participation fee, reload fee, application fee and/or inactive fee. The rewards for this card are in the form of miles.

The Credit Card Rewards

The Chase Travel Plus Platinum Visa Card is very apt for those who are interested in travel reward credit cards. If you are a credit savvy and credit worthy consumer, then this card is worth your needs.

The reward program for this credit card is very interesting. You will have to pay $29 to be inducted into the rewards program. There is the chance of earning one mile for every single dollar spent on the purchases. You can also use your accumulated miles towards hotel charges, car rentals, cruises and many more. The reward program enables you to save for 250 airlines.

The various platinum services of this card incorporate auto rental insurance, travel accident insurance, travel and emergency services and many more. You can also make transactions with your account from anywhere in the world through the Internet.

The other services of the platinum card include emergency card replacement, emergency cash replacement, lost and stolen card reporting and many more. The cardholders also get purchase protection and they will not be liable for unauthorized card transactions.

Therefore, if you love to travel, then you should start using the Chase Travel Plus Platinum Visa Card, which will enable you to save miles for your next vacation. Before you do so, go through the card limitations and restrictions.

For many job seekers, Robert J Gerberg Jr. has inspired and helped many people around the world. He contributed significantly in the field of career and staffing industry through his books and ideas on job searching. With 25 years of experience in the employment field, he has provided in-depth training and studies on job hunting which helped even executives and professionals land the perfect job. He also wrote several books related to the drills and system of job hunting, including his own journey as he worked from one company to another.

Robert J Gerberg Jr. wrote one of his books on job searching while working at Princeton/ Masters as brand manager then later on got promoted as President, which is one of his many great achievements. He started out as account executive and worked his way up from one company to the next, rising on to become one of the most successful executives in the US.  Before Princeton/ Masters, he also headed the personal products division at Bausch and Lomb.

For many people in the career and staffing industry, these books by Robert J Gerberg Jr. provide insightful ideas to the way job seekers think.  His book, “An Easier Way to Change Jobs”, was made from notes he culled from his experiences while changing employers. At least 7 million copies of this book are sold worldwide and continue to inspire people, especially those who are looking for jobs or in search of better opportunities. In addition to this, he had also made audio and video copies of all his books for those who prefer to learn them hands-on.