Published a new post: Change We Can('t) Believe In http://ping.fm/xddBB

Updated an old post: Derivative Debt lead to Bank Shutdown http://ping.fm/EydSx

Published a new post: Derivative Debt lead to Bank Shutdown http://ping.fm/EydSx

American Express Lowers Credit Limits

American Express is lowering credit limits to certain customers, not because of clients making late payments or exceeding their credit limits, but because of what other customers in their geographic area are doing. The reason given to these clients is that they live and shop in the same places as people who have defaulted on their payments (yes, this is legal - there are no laws against this practice).

As a safeguard to avoid over the limit fees and negative credit:
Know your credit card balance limits.
Don't expect your creditor to warn you or not authorize the purchase.
Enroll in balance alerts if offered with your cardholder.
Keep your credit card balances low.
If you're not sure of your credit limit, call the credit card and check.

Mark Bustamonte
Sales Director
Qualified Field Trainer
660-433-2969 Office
www.vrtmg.com/mbustamonte

The Tri-Star Solution

Tri-Star Consulting Group, LLC was formed with the idea that no two clients have the same exact needs or goal. Our approach is to provide a complete assessment of the client and provide alternatives or solutions based on our analysis.

Tri-Star to date has created strategic relationships with service providers; United Credit Education Services, American Debt Enders, Financial Freedom International inc and Mortgage Violation Watchdog.

These 4 successful companies address the bulk of the client’s needs that we work with on a daily basis.

United Credit Education Services provides top notch Credit Restoration not just Credit Repair. Credit Restoration is a combination of Credit Repair and Credit Education designed to help the client understand what it takes to build a good credit profile and keep it.

American Debt Enders provides solutions for clients behind or in collection status on their interest bearing debt through Debt Audit, Debt Settlement and Debt Management programs. Clients will work with one on the nations largest attorney groups to assure protection of there consumer rights.

Financial Freedom International Inc. provides payment strategies for clients that are current on their debt but on what we call the "Debt Treadmill" or "Pay for Life Program". Clients through strategic repayment will not only accelerate the pay off of their debt but also greatly improve their credit profiles.

Mortgage Violation Watchdog provides assistance for clients that have been victims of predatory lending, lending schemes or unjust enrichment by lenders. Mortgage Violation Watchdog works with top mortgage auditor in the industry that has provided forensic audits in 100's of cases and won substantial judgments for their clients. This process can also stop foreclosures and give a client a fresh start.

In closing our goal is to align the client with the right service provider through evaluation in the hopes of creating relief for our clients as well as put them on the path to financial success.

For more information on our programs please contact:

Mark Bustamonte
Tri-Star Consulting Group, LLC
660-433-2969
http://www.tristarconsultinggroup.com/
mark@tristarconsultinggroup.com

United Credit Education Services Opportunity

United Credit Education Services headquartered in Farmington, MI is experiencing tremendous growth in the Credit Restoration and Credit Education market place due to the recent upheaval in the mortgage industry. Many American home owners currently and in the next couple of years will be in dire need to refinance there homes out of ARM loans and take advantage of the low fixed rates that are now available as a result of the Fed lowering interest rates in an effort to jump start the economy.

Unfortunately many Americans will not be able to take advantage of this opportunity due to increased credit score requirements by the mortgage lenders.

Not only is this an opportune time for home owners in adjustable rate mortgages but also home owners in general that have higher fixed rate loans that can potentially benefit from a lower rate and save thousands of dollars in interest payments.

In order to maximize interest savings home owners will need to be in the 680 and higher credit score range to get the best rates available.

United Credit Education Services offers programs to help home owners maximize their credit scores, remove erroneous, obsolete and unverifiable information from there credit reports.

The programs designed to home owners looking to improve their credit ratings are;

Credit Restoration
UltraScore™ (Credit Report Analysis)

These programs will help homeowners improve their credit rating and take advantage of the best possible rates available.

Due to the tremendous need in the market place for these services we are looking for consultant’s nation wide to help market these programs to consumers. Today consumers are effected by there credit scores more then ever in the history of credit reporting. Everything from mortgage interest rates, auto financing, home owners insurance, utility services to employment are affected by credit scores.

If you are a motivated individual looking to add to your income or replace your existing JOB for an exciting opportunity in an industry with high demand and endless clientele then we want to hear from you. United Credit Education Services offers a great opportunity for the right kind of person.

For more information on how you can get started in this exciting industry please contact;

Mark Bustamonte
Certified Credit Consultant
United Credit Education Services

Field Trainer
866-840-2240 Toll Free
www.vrtmg.com/mbustamonte
http://www.unitedcredited.com/
mark@unitedcredited.com

Credit Repair. The SILVER BULLET?

In recent weeks I have had to address the issue of what role the credit repair process plays in helping a person improve their credit rating.

The concept of utilizing credit repair to improve your credit rating is only one part of the puzzle and requires that the client understand that in most cases simply applying the credit repair strategy is not enough. A person must be willing to do other things to outside of the credit repair process to maximize the credit scores.

When you review a clients credit profile to see if they are a good candidate for the credit repair program we must first understand what the total profile of the client is.

• Does the client have a job?
• Do they have any additional accounts open that report to the credit report?
• If so are they able to make monthly on time payments?
• What type of accounts do they have open?
• How old is there oldest delinquent account?
• Do they use a budget work sheet?
• How committed to improving their credit score are they?

These are a few of the questions that are asked in the consultation process to better understand the client capabilities as well as there level of financial education and dedication to the credit improvement process.

It is also important to understand the client’s goals and expectations. If you don’t know this you are potentially setting yourself and the client up for failure. Clients need to have a realistic expectation of the credit repair process and any changes they may have to make in how they handle there finances.

The credit repair process often requires the client to re-establish new types of accounts to begin the rebuilding process. The effect of good payment history reporting to the credit report along with the deletion of unverifiable, obsolete and erroneous information from the credit report will have a profound effect on the credit scores.

Correcting one’s credit in many cases also means re-training a client in the way they handle and think about there finances. United Credit Education Services provides the necessary tools along with the credit repair process that allows a client to get proactive in the credit repair process by providing valuable financial education.

In closing the answer is this; Credit Repair is not the SILVER BULLET. It takes a combination of things all happening at the same time to improve the credit scores. It won’t happen overnight, but if you employee a series of tactics, one being credit repair, your chance of success increase dramatically!

For more information contact:

Mark BustamonteTri-Star Consulting Group
Certified Credit Consultant
http://www.tristarconsultinggroup.com/
http://www.fixmycreditanddebt.com/
866-840-2240 Toll Free
mark@tristarconsultinggroup.com