800 Zero Debt | United Credit Education Services | Financial Education

Need Debt Relief?

2011-04-21T10:33:00.001-04:00

The decision to reach out for help with your debt is not one that's easy to make. You were raised to "do the right thing" and you are desperate for debt solutions, but now it's nearly unbearable. You struggle along while your creditors are turning up the heat. And now you're at the point where the late fees, penalties and interest expense make it impossible to keep your head above water.

Ask yourself this. If you could eliminate your debt without permanently damaging your credit, why wouldn't you? 800 Zero Debt Can Help!

Call Tim Thrift Today at 800 Zero Debt (1-800-937-6332) or Direct at 248-327-4762. FREE Consultation.

800 Zero Debt

2011-04-19T13:30:00.001-04:00

Agents and Affiliates Needed!

2011-04-04T15:06:00.002-04:00

800 Zero debt is growing at a rapid pace. We are looking for agents and affiliates. This could be a work from home or in office opportunity. We offer Attorney Assisted debt resolution by reducing unsecured debts by up to 60%.

We are a Michigan Local Law Firm and in full compliance with the FTC. Top commissions paid weekly! This is a great opportunity for Loan Officers, Tax Professionals, Credit Specialist or small business owners to create additional cash flow to grow your business. Contact Tim Today for additional information by emailing me here tthrift@800zerodebt.com or call 800-937-6332.

Repairing Your Credit After Bankruptcy

2011-03-03T18:03:00.001-05:00

Although bankruptcy can actually improve your ability to make timely payments to other creditors, it is still considered a negative mark on your credit. In some cases, it may improve your credit initially, but a bankruptcy remains on your credit for 10 years and will likely be a factor when getting credit in the future. It's important to understand this and to begin to repair your credit immediately.

After filing for bankruptcy and eliminating your past debt, you may cringe at the thought of more debt, but re-establishing your credit with new trade lines is an important step in improving your credit after bankruptcy.

In many cases, people who file for bankruptcy have perfect credit, right up until the bankruptcy. These people will have the easiest time rebuilding their credit. they may also choose to leave items out of a Chapter 7 Bankruptcy, such as a car. If they made their payments on time throughout the process, this will remain on their credit as a positive mark. It's important to keep as many positive items on the credit report as possible.

Immediately after bankruptcy, you can go to your bank and ask if they offer secured loans against a bank account. This is a loan that is secured against a bank account that you already have or will establish at that bank. These loans generally offer a very low interest rate and can help you quickly re-establish your credit. Some banks also offer secured credit cards, but be very careful, because most of these have very high fees and interest rates. These can be used to re-establish your credit, but most are designed to make you fail. In general, you should stay away from these offers.

Credit repair is a combination of removing negative items from your credit and adding new positive items. The only sure way to remove old items from your credit is to wait until it drops off. Once a negative account has been closed, it will expire in 7 years. At this time, if it doesn't automatically drop off, a dispute stating when the account was closed should get it removed.

Another popular option of having items removed from your credit report is to dispute everything negative.

"Credit repair is a crucial part of recovering from bankruptcy. Those who regret their decision to file bankruptcy most likely chose not to repair their credit afterwards." Everyone has the right to dispute items that are incorrectly reported on their credit report. You must submit a dispute in writing and the reporting agency is required to verify this dispute with your creditor. If the creditor does not respond or can not verify the debt, the negative information is removed. At United Credit Education Services we can help. Our state of the art professional credit repair service can remove negative items from your credit report and improve your credit scores. We offer a money back guarantee and a member of the BBB with an A rating.

Tim J. Thrift
248-327-4762

800-ZERO-DEBT - Get to Zero Debt

2010-12-23T15:16:00.004-05:00

800 Zero Debt is affiliated with a National Law Firm specializing in Attorney assisted debt resolution.

Types of debts that qualify for our program include: unsecured credit cards, personal lines of credit, deficient repossessions, Collections accounts, medical bills and more.

We are certified debt resolution professionals (IAPDA - International Association of Professional Debt Arbitrators).
Our firm is in full compliance with the new FTC guidelines. Our services help consumers in financial hardships regain control of their debts without filing for bankruptcy.

At 800 Zero Debt we are ready to serve our customers with prompt and professional service. Located in Bingham Farms, Michigan we can help consumers in 46 States with full services debt resolution.

Our team of debt resolution specialist have over 25 years of combined experience and are eager to consultant consumers on the many options available to them.

Let us help you today! Call us at 800-937-6332 or 248-327-4762
http://www.800zerodebt.com

800-ZERO-DEBT - Attorney Assisted Debt Resolution

2010-11-04T12:52:00.005-04:00

The fastest growing service industry in America – We are a local law firm part of a national network of attorney’s servicing Debt Resolution! We provide clients with immediate relief from debt! We are in full compliance with the new FTC rulings! We are licensed and able to work with clients just about anywhere in the country.

Debt resolution is a form of a “financial workout” for consumers where our law firm negotiates with creditors to modify the terms of our clients’ debts at a reduced rate. We customize an affordable plan for our clients to repay their creditors. Our debt resolution program frequently is able to eliminate late fees, lower interest rates, and decrease the total amount of debt owed by our clients.

All unsecured debt including credit card debts, lines of credit, medical bills and personal loans can be resolved and substantially reduced. We may also be able to help you with secured debts.

All debt management programs will have a negative effect on your credit. Any time you do not pay your exact obligation to your creditors your credit is negatively affected. However, once your individual accounts are settled, your creditors are required to report this information to all major credit reporting bureaus to update your individual credit report. This allows you the opportunity to start to rebuild your credit at that time.

It typically takes about 30 to 40 months. However, it could be much sooner depending on your particular situation.

Free Consultation at 800-816-5898 ext 1017 Tim J. Thrift

Vr-Tech Marketing Group -United Credit Education Services

2010-01-26T06:48:00.004-05:00

TIM J. THRIFT

CREDIT AND DEBT SOLUTIONS

Do You Know Someone With Less Than Perfect Credit?

Do You Know Someone Who Is Struggling With Credit Card And Or Other Unsecured Debts?

Are You Looking For A Part or Full Time Business $$Opportunity$$?

I CAN HELP!

This IS A REAL BUSINESS OPPORTUNITY FOR REAL PEOPLE WHO WANT TO CHANGE THEIR FINANCIAL LIVES AND HELP PEOPLE, FAMILIES AND COMMUNITIES.

WANT MORE INFORMATION?

JOIN US TUESDAY’S 8:00 PM EASTERN FOR OUR OPPORTUNITY WEBINAR. SEND EMAIL REQUEST TO tim_thrift@yahoo.com TO REGISTER.

Or Call
Tim at 248-830-4832

Visit http://www.vrtmg.com/tthrift

BBB MEMBER IN GOOD STANDING!
HEADQUATERED IN FARMINGTON HILLS, MI.

United Credit Education Services - Products and Services Webinar

2009-12-05T14:18:00.001-05:00

Are you like eight (8) to nine (9) out of 10 people impacted by the chaotic Credit Crises that has riddled the US economy? Is your current credit score below 740? Would you like to know how your credit score is calculated? Would you like to learn about the Best Credit Education, Restoration and Rehabilitation program on the market and in the industry?

If you've answered yes to one or more of the above, then you need to join us for this power packed information sharing session.

Register for a session now by clicking a date below:

Tue, Dec 8, 2009 8:00 PM - 9:00 PM EST

Tue, Dec 15, 2009 8:00 PM - 9:00 PM EST

Tue, Dec 22, 2009 8:00 PM - 9:00 PM EST

Once registered you will receive an email confirming your registration
with information you need to join the Webinar.

System Requirements
PC-based attendees
Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees
Required: Mac OS® X 10.4 (Tiger®) or newer

Wills and Trust less than 3% of Americans have them

2009-11-02T14:47:00.003-05:00

Who will inherit your property when you die?

Who will take care of your spouse and minor children should you not be able to?

What kind of medical treatments would you like receive if you become critically ill?

Financial Education Services is proud to offer "MyCare Plan™", an estate planning package complete with a Living Trust, Last Will and Financial and Health Care Powers of Attorney.

What is "MyCare Plan™"?

Life can be full of uncertainties. You can't always control the unfortunate circumstances in your life, however, you can have a plan in place should they occur. MyCare Plan™ will enable you to plan not only for yourself, but for your loved ones as well.

MyCare Plan™ is our way of helping you plan for life's uncertainties. It includes a variety of planning tools and options so that you may customize your plans for yourself and your family.
MyCare Plan™ will assist you with the following essentials:

Preparing a Financial Power of Attorney and a Health Care Power of Attorney - talking to family members now to decide how to handle your financial and medical affairs should you become incapable of making your own decisions.

Preparing a will and establishing a living trust that will distribute your property according to your wishes after you die.

Who needs MyCare Plan™?MyCare Plan™ is something everyone needs to do, not just "wealthy" people. You don't need to be rich to become ill or injured, nor do you need to be wealthy to provide for and protect your family's financial affairs.

MyCare Plan™ will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family.

Plan while you can. It's not enough to simply want to do the right thing; you need to make sure it happens. Let MyCare Plan™ turn your good intentions into good planning and security for your family.

Enroll Today!

Tim J. Thrift Branch Office Affiliate to Eagle One Debt Solutions

2009-10-19T12:45:00.003-04:00

Are you coming out of a period where you weren't able to pay your creditors due to illness, unemployment or any other difficult situation?

Have you considered Bankruptcy, Debt Consolidation or Credit Counseling as an answer to your delinquent debt? Have your accounts been placed with collection agencies that seem to call you every day?

If you are ready to turn it all around, Eagle One Debt Solutions may be able to help. Eagle One Debt Solutions offers an honorable alternative to bankruptcy by negotiating with your creditors and collectors to settle your debts for less than the full balances. The average settlement is approximately half of the delinquent balance due.

To qualify, the total amount of your unsecured debt must be at least $7,500.

Unsecured debt includes:

· Credit Card Debt
· Medical/Hospital Bills
· Department Store Charge Cards
· Oil/Gas Credit Cards
· Personal Loans (unsecured)
· Auto deficiency balances (Repossessions)

The following are NOT eligible:

· Student Loans
· Mortgage Payments
· Car Payments
· Secured Loans
· Income Tax Payments

For Help and Answers, Call: 248-830-4832 or email: tim_thrift@yahoo.com Today

My Value Loan Mods - Home Loan Modification

2009-03-20T12:30:00.003-04:00

STOP FORECLOSURE! YOU HAVE OPTIONS!

If you are facing property foreclosure, you might be confused about your rights as a homeowner. Financial stress can make everything seem so much worse than it really is. It's time to take a deep breath and explore your options. You can stop foreclosure using an easy way known as short sale or loan modification.

What is a short sale?

A short sale will stop foreclosure and it is a faster and easy way to avoid foreclosure, in fact. A qualified representative can negotiate with your mortgage lender to get the lender to accept less than what is actually owed on your home. If you are at least one payment behind and are represented by a qualified specialist, this is a very likely option.

What is the best Loan Modification?

The best Loan Modification for the homeowner not only allows the homeowner to stay in their home but also creates a a plan for long term success for the homeowner. This means that you will, as a result of the Loan Modification, be able to maintain your home and recover from what ever your financial crisis is over time, knowing your home is safe from foreclosure.

Do not let a foreclosure ruin your credit, carefully examine the short sale option along with other stop foreclosure alternatives, for instance, loan modification.

What is Debt Settlement?

Debt Settlement can help free up money and save you thousands of dollars.

Types of Unsecured debts which may be put into this program are: Bank Credit Card Debts, Store Card Credit Card Debts, Credit Union Credit Card Debt, Non Government Issued Student Loans, Medical Bills, 2nd Mortgages from foreclosed home.

This program works! It is a unique program which utilizes debt settlement through a Law firm to substantially reduce your debt.

The entire program will cost approximately 55% of what you owe legal fees included, payed in affordable monthly installments.

CALL TODAY! 248-830-4832 or visit www.myvalueloanmods.com

TalkShoe Internet Radio United Credit Education Services

2009-02-08T11:41:00.000-05:00

Debt Freedom With PayAccel

2009-01-31T13:09:00.002-05:00

Lets face it most of us have some kind of secured or unsecured debt.
For example credit cards, mortgages, car loans, student loans or IRS debts. In almost every case there is interest attached to these debts. It’s important to understand that interest is what makes our creditors rich. As consumers we tend to over look the cost of interest in our debts and concentrate on the monthly payment. It’s the goal of our creditors to keep us on that monthly payment treadmill. I like to refer it to “THE PAY FOR LIFE PLAN”. At TJT Financial Services we provide credit and debt solutions that work for you. It is our belief that you can turn the tables on your creditors so that you can leverage your hard earned dollars to work for you.
PayAccel is the tool that can get you debt free. I ask you to take less than 30 minutes and give PayAccel a try. I am certain that PayAccel will most defiantly be an eye opener to what your debts are really costing you. Please see attached the web quick calculator. It is very easy to use just fill in the blanks and see what PayAccel can do for you. Also see the PayAccel Programs document for a detailed explanation of each program that is available to you. I encourage you to forward this to friends, family and co-workers. Give it a try if PayAccel makes since to you then give me a call at 248-830-4832 to get enrolled and start the path to debt freedom.

VR-Tech Marketing Group - Join Our Sales Team

2009-01-29T09:52:00.002-05:00

Not happy with your current job? Your income? Your hours?

Need extra money?

Check out the business opportunities at VR-Tech.

Why VR-Tech?

VR-Tech has set the industry standard as a company built on a foundation of integrity, character and an exceptional commitment to obtaining the best results possible for each client. You can be sure you are working with outstanding products as well as state-of-the-art support services.

What do we offer?

VR-Tech Marketing Group offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment. Be your own boss. Make your own schedule. As an independent sales agent, you choose the time you want to work. Stay at home. Sell online. As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success. Sound too good to be true? Here's more.

Our lucrative compensation plan allows you to earn money six different ways:

Commissions from direct sales of any of our financial education services, including credit restoration, auto loans, wills and trusts or the VRTMG Prepaid card

CAB Bonuses for helping new recruits make their first sale

Financial Overrides and Leadership Bonuses from the sales of your downline Sales Agents

Field training bonuses as you help train others get a successful business start

A chance to earn even more with expense allowances and award gifts

VR-Tech provides the training, support, processing, accounting and all of the tools needed to be successful

We offer the best products on the market today!

Interested in becoming an IndependentSales Agent of VR-Tech Marketing Group?[Click here] to enroll today and start earning!

VR-Tech Marketing Group - Prepaid MasterCard

2009-01-03T08:16:00.002-05:00

Please,

Stick with me on this one. I do believe that this product can be beneficial to your client's both for the Realtors and Loan Officers.

The VR-Tech MasterCard is a prepaid debit card. It functions just like any other debit card from your bank or credit union. However the prepaid VR-Tech MasterCard does something that your typical bank or credit union debit card does not do. That is the prepaid VR-Tech MasterCard has a credit builder feature.

Here is how it works:

1. Enroll into the Prepaid VR-Tech MasterCard at no cost click here.

2. Activate AccountNow Bill Pay and add the FREE AccountNow Credit Builder service.

3. Every time you make a bill payment with AccountNow Bill Pay, we will send your bill payment information to PRBC, a national credit reporting agency

4. Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already to today - - paying your rent, electric, cable, insurance, and phone bills on time.

5. Only Bill Pay transactions will be shared with PRBC. Regular debit transactions using your AccountNow Prepaid MasterCard will not be reported to PRBC.

Who uses PRBC?

Home loan associations like Freddie Mac and Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision making process for home loans.

Soon, other companies including auto loan, credit card, and insurance companies may start using Bill Payment Scores to comply with the Nation's Fair Housing and Fair Lending laws.

Click here to read the PRBC press release. FHA Encourages Lenders to Use Regular "Bill Payment" Data to Approve Mortgage Loans. New FHA Guidance: PRBC Bill Payment Data Preferred for Establishing Consumer Credit Reports and Scores for "Thin" File and No Credit Score Applicants

For additional information on the Prepaid VR-Tech MasterCard please contact me at 248-830-4832, email tim@tjtfinancialservices.com or visit the website click here.

Tim J. Thrift - “Providing Credit and Debt Solutions That Work!”

Vr-Tech Marketing Group Credit Education Webinar

2009-01-01T21:01:00.005-05:00

VR-Tech Marketing Group & United Credit Education Services

United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt.

Wed, Jan 7, 2009 8:00 PM - 9:00 PM EST
Wed, Jan 14, 2009 8:00 PM - 9:00 PM EST
Wed, Jan 21, 2009 8:00 PM - 9:00 PM EST
Wed, Jan 28, 2009 8:00 PM - 9:00 PM EST
Wed, Feb 4, 2009 8:00 PM - 9:00 PM EST

Once registered you will receive an email confirming your registrationwith information you need to join the Webinar.

System RequirementsPC-based attendeesRequired: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendeesRequired: Mac OS® X 10.4 (Tiger®) or newer

Contact Tim Thrift at 248-830-4832 or email me at tim@tjtfinancialservices.com

VR-Tech AccountNow Prepaid MasterCard

2008-12-23T12:19:00.004-05:00

VR-Tech AccountNow Prepaid MasterCard
"Better than a bank account"

The "VR-Tech AccountNow Prepaid MasterCard" is a trouble-free and secure alternative to using cash or checks without any credit checks or bank account required. The VR-Tech Prepaid MasterCard offers the security of protected cash and the flexibility of spending at millions of retail locations that accept MasterCard debit cards. As purchases are made with your prepaid card, funds are immediately deducted from the available card balance. You can only spend the money that you have on the card - the perfect way to control your spending!

Top 6 Reasons Why AccountNow Is Better

1.We're cheaper than check cashing services.Don't pay check cashing services up to 3% to cash your paycheck.

2. We're faster than cashing your check.You can have your employer directly deposit your paycheck into your AccountNow prepaid account.

3. We're safer.You are protected from unauthorized purchases with the MasterCard Zero Liability coverage.

4. We're more convenient than money orders or travelers checks.Make purchases all over the world everywhere MasterCard debit cards are accepted.

5. We help you get credit.We help build your credit worthiness by reporting your payment history to PRBC, which is a credit reporting agency.

6. We’re friendlier.
We have a team of service representatives ready to take your call.

Contact Tim J. Thrift at 248.830.4832 or email:tim@tjtfinancialservices.com

Get Started TODAY!

United Credit Education Services WEBINAR!

2008-11-28T06:39:00.004-05:00

Please Join Us! Beginning Wednesday Dec. 3rd, 10th and 18th at 8:00pm - 9:00pm eastern

United Credit Education Services presented by Tim Thrift Independent Agent and Qualified Field Trainer Invites you and anyone you know that has less than a 740 credit score to attend our weekly WEBINAR!

Credit Education and Restoration

If you or someone you know has less than a 740 credit score Then come see how United Credit Education Services is helping Thousands of consumers get into the 700 club!!!
Register for a session now by clicking a date below:

Wed, Dec 3, 2008 8:00 PM - 9:00 PM EST
Wed, Dec 10, 2008 8:00 PM - 9:00 PM EST
Thu, Dec 18, 2008 8:00 PM - 9:00 PM EST

Once registered you will receive an email confirming your registration with information you need to join the Webinar.

System RequirementsPC-based attendees Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees Required: Mac OS® X 10.4 (Tiger®) or newer

Contact Tim J Thrift at 248.830.4832 or tim@tjtfinancialservices.com for additional information.

CREDIT REPAIR AND THE LAW PART 2

2008-11-23T04:17:00.002-05:00

Hello, my name is Tim J Thrift Independent Agent and Qualified Field Trainer with
United Credit Education Services.

With the recent down turn in the economy and the credit crunch there have been many unfortunate cases where consumers have been taken advantage of and wrongly represented by Credit Repair Companies. Rightfully so the FTC (Federal Trade Commission) has began “Operation Clean Sweep” In which some 36 so called credit repair companies have been shut down.

As a result of this crack down I have come across much resistance from inquiring consumers about United Credit Education Services Credit Restoration and Education Program. The first question they ask. Is credit repair legal? My answer is YES it is legal and then I explain how it is legal. As a consumer you have a legal right to dispute any inaccurate, erroneous and obsolete information that is negatively impacting your credit score under the FCRA (Fair Credit Reporting Act).

You may Google the FCRA Fair Credit Reporting Act to read or visit the ftc.gov site. Warning this is an 80 plus page document full of legal jargon that will mostly likely put you to sleep. In addition to that I explain to them that United Credit Education Services is in full compliance with the CROA (Credit Repair Organization Act). The CROA is the act or law that mandates compliance of credit repair companies. The very law that is shutting down these credit repair companies who are wrongfully doing business. Below I have copied from the ftc.gov website to show example of this explanation of the CROA.

SEC. 402. FINDINGS AND PURPOSES.(3)

(a) Findings.--The Congress makes the following findings:

(1) Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations which offer to improve the credit standing of such consumers.

(2) Certain advertising and business practices of some companies engaged in the business of credit repair services have worked a financial hardship upon consumers, particularly those of limited economic means and who are inexperienced in credit matters.

(b) Purposes.--The purposes of this title are--

(1) to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and
(2) to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

The second question I am getting is. Is it illegal to charge an upfront fee for credit repair service? Folks this is one area of this business that absolutely just makes me want to scream because of this reason. Any place you go on the internet such as ftc.gov and certainly the credit reporting agencies Trans Union, Equifax and Experian you will read that it is illegal to charge upfront fees for credit repair before any services has been provided. And it is illegal under the law to charge upfront fees. But here is what you will not be told or read unless you go directly to the CROA and read the law. I have provided a copy of the law from the ftc.gov site notice highlighted in below.

(B) does not include--

SEC. 403. DEFINITIONS.(4)

For purposes of this title, the following definitions apply:

(1) Consumer. -- The term 'consumer' means an individual.

(2) Consumer credit transaction. -- The term 'consumer credit transaction' means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

(3) Credit repair organization. -- The term 'credit repair organization'--

(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of--

(i) improving any consumer's credit record, credit history, or credit rating; or
(ii) providing advice or assistance to any consumer with regard to any activity or service described in clause

(i); and

(B) does not include--

(i) any nonprofit organization which is exempt from taxation under section 501(c)
(3) of the Internal Revenue Code of 1986;

(ii) any creditor (as defined in section 103 of the Truth in Lending Act),(5) with respect to any consumer, to the extent the creditor is assisting the consumer to restructure any debt owed by the consumer to the creditor; or

(iii) any depository institution (as that term is defined in section 3 of the Federal Deposit Insurance Act) or any Federal or State credit union (as those terms are defined in section 101 of the Federal Credit Union Act), or any affiliate or subsidiary of such a depository institution or credit union.

(4) Credit.--The term 'credit' has the meaning given to such term in section 103(e) of this Act.(6)

United Credit Education Services does charge an upfront fee and has a number of flexible payment option in which consumers can pay for our credit restoration and education service. Currently UCES is compliant with (i) any nonprofit organization which is exempt from taxation under section 501(c) and (iii) any depository institution (as that term is defined in section 3 of the Federal Deposit Insurance Act) or any Federal or State credit union (as those terms are defined in section 101 of the Federal Credit Union Act), or any affiliate or subsidiary of such a depository institution or credit union. United Credit Education Services is a member of a CUSO (Credit Union Services Organization) and affiliated with a Credit Union. Therefore we can legally charge an upfront fee.

Even though I have shared this information in a blog my intent is to inform and protect our Independent Agent and the Consumer. What separates United Credit Education Services from other credit repair companies is the following.

Money-back guarantee!

Members of the BBB.

Outstanding deletion rate!

Monitor your file’s progress around the clock 24/7/365.

Testimonials from happy, satisfied clients.

100% compliance with the FTC and CROA Acts.

Tim J Thrift

http://www.vrtechmarketinggroup.com/tthrift/

www.tjtfinancialservices.com

248-830-4832

UNITED CREDIT EDUCATION SERVICES Live Royal Oak Michigan

2008-11-16T10:53:00.000-05:00

Get The GOOD Credit You Deserve!

Join Us for a FREE Credit Education Seminar

If you or someone you know has less than a 740 credit score
Then come see how United Credit Education Services is helping
Thousands of consumers get into the 700 club!!!

November 13th & 20th

Location: Caribou Coffee

(Between 13 and 14 Mile Roads on Woodward and Normandy in the Normandy Plaza.) West Side of Woodward.

31901 Woodward Ave.
Royal Oak, MI 48073

7:00 – 8:00 PM

R.S.V.P TODAY Seating is limited!
Contact Tim Thrift at 248-830-4832 tim@tjtfinancialservcies.com

UNITED CREDIT EDUCATION SERVICES WEBINAR

2008-11-16T10:49:00.002-05:00

United Credit Education Webinar

If you or someone you know has less than a 740 credit score Then come see how United Credit Education Services is helping Thousands of consumers get into the 700 club!!!

Register for a session now by clicking a date below:

Wed, Nov 19, 2008 8:00 PM - 9:00 PM EST
Wed, Nov 26, 2008 8:00 PM - 9:00 PM EST
Wed, Dec 3, 2008 8:00 PM - 9:00 PM EST
Wed, Dec 10, 2008 8:00 PM - 9:00 PM EST

Once registered you will receive an email confirming your registrationwith information you need to join the Webinar.

System RequirementsPC-based attendeesRequired: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendeesRequired: Mac OS® X 10.4 (Tiger®) or newer

Contact Tim at tim@tjtfinancialservices.com www.tjtfinancialservices.com
248-830-4832

Living Trust, Last Will and Financial and Health Care Powers of Attorney.

2008-11-01T07:45:00.001-04:00

Living Trust, Last Will and Financial and Health Care Powers of Attorney.

Who will inherit your property when you die?
Who will take care of your spouse and minor children should you not be able to?
What kind of medical treatments would you like receive if you become critically ill?

TJT Financial Services a referral partner to Financial Education Services is proud to offer "MyCare Plan™", an estate planning package complete with a Living Trust, Last Will and Financial and Health Care Powers of Attorney.

MyCare Plan® is our way of helping you plan for life's uncertainties. MyCare Plan® is an estate planning package complete with a Living Trust, Last Will and Financial and Health Care Powers of Attorney.MyCare Plan® is something everyone needs, not just "wealthy" people. You don't need to be rich to become ill or injured, nor do you need to be wealthy to provide for and protect your family's financial affairs. MyCare Plan® will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family. Plan while you can. It's not enough to simply want to do the right thing; you need to make sure it happens. Let MyCare Plan® turn your good intentions into good planning and security for your family.

PLEASE VISIT
http://tjtfinancialservices.com/Wills_Trust_MyCarePlan.html
Be sure to click on MyCare Plan® Logo to watch the video MyCare Plan®

This is a bundle package! Everything you will need for only $499

Call Today! 248-830-4832
Tim J. Thrift

UNITED CREDIT EDUCATION SERVICES / VR TECH MARKETING

2008-09-13T19:02:00.001-04:00

Credit Restoration and Business Opportunity Seminar

Saturday, September 27th, 2008 at 10:00 AM

Presented by Tim Thrift

Guest Speaker Ambassador Robert Gould or the 2 Easy Group and George ColeVR-Tech Corporate Office staff will be present at the meeting

Agent admission is $20; guests are free of chargePresentation from 10:00 AM - 11:45 AMTraining from 12:15 PM -2:00 PM

Location:
Embassy Suites
19525 Victor Pkwy
Livonia , MI 48152

Contact Information:
Tim Thrift @ 248-830-4832 tim@tjtfinancialservices.com

Bienvenido a VR-Tech Marketing Group!

2008-05-20T08:13:00.000-04:00

Bienvenido a VR-Tech Marketing Group! United Credit Education Services Nuestro servicio de restauración de crédito En VR-Tech, offrecemos el más alto nivel en ayudar a la gente a alcanzar sus metas financieras y sus sueños, entre ellos dos han demostrado el mejor de los servicios de crédito para mejorar las puntuaciones de crédito y educar a los consumidores sobre la importancia de un buen crédito, y cómo conseguir y mantenerlo; una planificación completa de patrimonio con un paquete de Fideicomiso en vida, Última Voluntad, Presupuesto y Poder de Salud; nuestro sencillo programa para préstamos de automóviles y de nuestro próximo programa de tarjeta prepaga. Todos estos servicios de asistencia al clientes con menos de perfecto crédito les da la oportunidad de lograr sus sueños y metas financieras.Todos estos servicios se presentan más abajo. Haga clic en cualquier servicio para inscribirse, o simplemente para obtener más información. Si usted es actualmente un cliente de uno de nuestros servicios, acceder en la parte derecha de esta página para acceder su cuenta.Gracias por visitar mi pagina sibernetica y espero mas hacia delante trabajar con usted en el futuro!
Obtenga independencia financiera hoy!Contactar Me : (248) 830-4832 o tim_thrift@yahoo.com

FREE Credit Education Webinar

2008-05-15T11:45:00.000-04:00

Presented by: United Credit Education Services

Beginning Thursday, May 29th, 2008 at 8:30 EST.
This webinar will be available every other Thursday (Bi-Weekly) until further notice.

From the comfort of your home – No need to spend money on gas

Get the facts about your credit score.
Learn how to remove costly inaccuracies on your credit reports.

GET THE GOOD CREDIT YOU DESREVE!

R.S.V.P today at tim@tjtfinancialservices.com

or

Call Tim Thrift at 248-830-4832

TJT Financial Services In The News!

2008-03-27T20:53:00.002-04:00

Local real estate experts discuss ‘Reality of Realty’
By Christa BuchananC & G Staff Writer

Click Logo to left To Read The Article!

FREE Credit Education Seminar

2008-03-27T20:16:00.002-04:00

GET THE CREDIT YOU DESERVE!

FREE Credit Education Seminar

Understanding Your Credit

Open to the Public
Seating is limited – R.S.V.P. Suggested.
At:

Location: 31901 Woodward Ave.
Royal Oak, MI 48073

Begins MAY 6th 2008 at 6:30 pm
The first Tuesday of every month!

Presented By: Tim Thrift
United Credit Education Services &
TJT Financial Services
248-830-4832E-mail: tim@tjtfinancialservices.com

Debt Reduction through Debt Settlement Program

2008-03-26T08:35:00.004-04:00

American Debt Enders and TJT Financial Services

Information you should know .

This program works! It is a unique program which utilizes debt settlement and legal representation to substantially reduce your debt. Additionally, letters are sent to creditors notifying them of your legal representation. Creditors will be notified to direct phone calls to the law firm.What is the cost? The entire program will cost approximately 55% of what you owe, legal fees included, payed in affordable monthly insallments.Each program is customized for your individual situation, insuring the best chances of success.

Money Back Guarantee:

Full Refund if you withdraw from the programwithin 30 days after making your first payment.

More Advantages:

• Debt will be eliminated in 1 to 3 years.

• You will save thousands of dollars.

• Your monthly payments will drop dramatically.

• You make one consolidated payment per month to the law firm.

• Excellent legal representation ensures that all federal laws governing your creditors have been and are being followed.

• After a few weeks in this program most of your creditor phone calls will stop.

Types of Unsecured debts which may be put into this program are:

Bank Credit Card Debts, Store Card Credit Card Debts, Credit Union Credit Card Debt, Non Government Issued Student Loans, Medical Bills (if in collection).

Most debt settlement programs will only accept you if you have $10,000 or more in unsecured credit card debt. The law firm will accept as little as $5,000.00. If you are in collections, cannot afford your current payments, are either not a candidate or are unwilling to file a bankruptcy, you may be the ideal candidate for this program. Call us to learn more.

Contact me today for a FREE Debt and Credit consultation at 248-830-4832 or e-mail: tim@tjtfinancialservices.com or timthrift@americandebtenders.com

As Featured in The Oakland Press, CandG News, After5 Detroit

2008-03-25T12:17:00.001-04:00

AS FEATURED IN: The Oakland Press, C&G Newspapers, After5 Detroit, and The Royal Oak Mirror ...

YOU ARE INVITED To ROYAL OAK for a Laid Back, Fun, Upbeat & Educational (non-sales) Seminar on Michigan Real Estate & Financing in Today's Michigan market focusing on what's really happening in Michigan right now dealing with the Real Estate Market & Mortgages from the Experts. There will be a panel of 6 -8 (Realtor, Loan Officer, Title Insurance, Home Owners Insurance, Home Appraiser, Credit Repair, Foreclosure Expert, & Home Inspector) educating you on what's REALLY going on today in Michigan vs. hearing the info from your neighbor, co-worker, or the guy in line at the grocery store.

There will be great food provided by D'Amato's along with great hand outs and enough info to make YOU the Expert! Location: Washington Building 2nd floor above D'Amato's at 222 Sherman in Downtown Royal Oak, Monday, April 7th from 7-9pm $20.00 at the door: (50% of the proceeds go to the Boys & Girls Clubs of Southeastern Michigan)

For more information contact me ASAP.

Sponsored by: Tim J Thrift TJT United Credit Education Services

For more info - Contact Tim at tim@tjtfinancialservices.com or google: THE REALITY OF REALTY TOUR

The VR-Tech Marketing Group Business Opportunity

2008-03-25T11:53:00.003-04:00

"An opportunity to have a career with no limits, no barriers and endless success."

VR-Tech Marketing Group offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment. Be your own boss. Make your own schedule. As an independent sales agent, you choose the time you want to work. Stay at home. Sell online. As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success. There is no cap to the amount of money you can earn. Sound too good to be true? Here’s more.

Our lucrative compensation plan allows you to earn money four different ways:

Commissions from direct sales of any of our financial education services, including credit restoration, credit education, auto loans, wills and trusts or our prepaid Visa card program CAB Bonuses for helping new recruits make their first sale
Financial overrides and Leadership Bonuses from the sales of your downline Sales Agents
Regular contests and promotions to give you a chance to earn even more
VR-Tech provides the training, support, processing, accounting and all of the tools needed to be successful
For additional information click here

HOW TO REBUILD BAD CREDIT

2008-03-21T18:45:00.002-04:00

Credit restoration allows you to dispute the negative information reflecting on your credit reports, which will result in an increase in your credit score. Once your credit report is accurate, you can begin to build your credit and prove to lenders that you are credit worthy. To rebuild your credit you need to gain some consumer credit knowledge. If you have had poor credit in the past getting new credit or lenders to extend you credit may prove to be a challenge.

Below are tips on how to get new credit and how to build and maintain good credit habits

1. Getting New Credit. Get a new credit card that is right for you. Be warned that creditors will prey on people with past credit troubles extending credit cards with high interest rates and high fees that ultimately make credit unaffordable. Department store cards and secured cards are usually the easiest to get for people trying to build their credit. Keep new credit applications to a minimum the more you apply for, the more the impact will be on your credit score.
2. Building New Credit Habits. Learn how to spend wisely; otherwise you will end up with the same damaging credit that caused you to rebuild your credit. Educate yourself on credit and put those good habits to use.
3. Rebuilding Your Credit. Keep your credit cards current with no late payments and pay them off each month. Keep your balances low in comparisons with your credit limit. Do not take on too many credit cards that you cannot manage your balances and payments.

Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com

FIND CREDIT EVEN WHEN YOU CAN’T

2008-03-21T18:19:00.001-04:00

United Credit Education Services and TJT Financial Services
Providing credit and debt solutions that work!

Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.

When you have had past credit troubles, it can be hard to find credit. Even when you do find credit, the credit terms are horrible with high interest rates and costly fees. It’s not hard to find credit though, once you know where to look.
Here are some helpful hints to get you started.
If you have not received any credit card offers in the mail, consider applying online, at your local bank or retail store. There are thousands of credit lenders available to you. Check http://www.bankrate.com/ for interest rate and fee comparisons for the credit card that is right for you.

Two lenders that are known for extending credit to those with poor or little credit are First Premier Bank and HSBC Bank of Nevada. Lastly, if you can’t find an unsecured credit card, try a secured credit card. A secured credit card is similar to a debit card in that you deposit funds into your account and then make purchases against those funds. The amount that you deposit will determine your credit limit. You will receive monthly bills; however along with paying by check you can also deduct the money that you deposited for payment. In your search for a secured card, look for one that will report as unsecured on your credit report. This will improve your credit score.
When you do make the choice to apply for a unsecured or secured credit card, carefully read the terms of the card, especially if you have less than perfect credit. Credit is available to you, Just be sure to do you research to get the best terms for your life.

Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com

CONSUMER CREDIT CARDS: HOW MANY IS TOO MANY?

2008-03-21T17:52:00.002-04:00

United Credit Education Services and TJT Financial Services
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of United Credit Education Services.

Most Americans have between 5 and 10 credit cards. Some even carry up to 50. But how many is too many? Experts say that it’s not the number of credit cards you have, but instead how much you spend and how much you can afford to pay off each month.
Be aware that the more credit cards you have, the bigger the risk you pose to yourself to create debt and hurt your credit. Also, each time you open a store credit card 20 points are taken off of your credit score, according to consumer education organizations. Typically this is because store credit cards are available to anyone – even those consumers who otherwise could not get credit.

Some Tips To Keep In Mind
-Keep your debt ratio low. Your credit card balance should be ideally kept to 30% of your limit.
-Make your payments on time. Keep your credit cards current. New late payments can decrease your credit score by up to 100 points.
-Do not close too many credit cards at once. When you close several credit cards at once, your debt to available credit ratio will fall.

Credit cards can be a good thing. Credit cards are a safer way to buy goods instead of carrying cash. They offer you the protection against theft because the money you charge is not taken out before you get to dispute the charge. There is no magic number or limit to the number of credit cards you have, just be wise when applying for credit and using the credit you have.

Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com

United Credit Education Services at South Oakland Business Expo.

2008-03-05T09:36:00.002-05:00

THE REALITY OF REALTY SEMINAR TOUR, EDUCATING THE GENERAL PUBLIC ON WHAT’S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY’S & GIRLS CLUBS OF S.E. MI.

Look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!

The 2008 South Oakland Business Expo (SOBE), formerly the Royal Oak Business Expo, will once again bring together the brightest business leaders from the most dynamic companies throughout South Oakland County.

The event will be held on Wednesday, March 12 from 1-6p at the Royal Oak Farmer’s Market located at 316 E. Eleven Mile Rd. The Expo will be open to the public. Admission is $5. Coupons will be available at all Chamber offices, all Chamber sponsored events, Chamber websites, and various email correspondence from the Chambers.

The 2008 SOBE is presented by Citizens Bank and brought to you by five of the area Chambers - Berkley, Clawson, Ferndale, Madison Heights/Hazel Park, and Royal Oak. Attendees will be able to visit over 100 area businesses showcasing products and services that will appeal to both business customers and residents alike. Door prizes, courtesy of all six Chambers will be drawn throughout the Expo. There will also be a special Business After Hours at a local restaurant following the event.

For more information on exhibiting or attending please call 248.547.4000.

Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022
Richard Kallabat – Realtor & Foreclosure Expert, Keller Williams (248) 208-6999
Ted Edginton – Mortgage Loan Officer, US Bank (248) 866-9460
Tim Thrift – Credit Specialist, United Credit Education Services (248) 830-4832
David Haugk – Insurance Rep, Glenn Maas Agency (248) 524-9525
Dante King – Licensed Appraiser, All Good Appraisals (313) 443-2182

The Event was a Huge Success!

2008-03-05T08:53:00.001-05:00

THE REALITY OF REALTY SEMINAR TOUR
EDUCATING THE GENERAL PUBLIC ON WHAT’S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY’S & GIRLS CLUBS OF S.E. MI.

The Reality of Realty Event surpassed anything that we the panel ever imagined or expected! There was a great turnout of great people who at the end - gave great feedback (that they had learned more than they had ever imagined or expected) while having a great time with great food!

There were some amazing connections happening and deals being done at the end of the forum! It was great to see... After we all went down to Goodnight Gracie’s for some cocktails where some great networking happened!

We raised over $600.00 for the Boys & Girls Clubs of Southeastern Michigan - An all around success!I hope that everyone can make it out to our next event April 7th at the Washington Building above D'Amato's just north of the intersection of Washington and 4th streets at 7pm!- Thanks again from the panel and look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!

UNITED CREDIT EDUCATION SERVICES, CREDIT RESTORATION

2008-02-09T22:50:00.000-05:00

Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.

Benefits
Your credit score is the most important number in your financial life as well as the most influential one. The higher your credit score, the more financial opportunities you will have. A higher credit score will bring:
Better rates on mortgages and refinances
No or low interest on credit cards
Lower rates on car loans
Better rates on insurance
Positive results for job screenings
Service Features
You will receive regular updates on the progress of your file, reflecting any deletions, additions or alteration
Our interactive customer support is available to service your needs and answer your questions, call 248-848-9065, option #1.
Access to your progress report online 24/7, 365 days per year, Log on to check your account and dispute letter status.
Our Guarantee
If the customer is not satisfied after six months or three dispute cycles (whichever occurs first), they may receive a refund less a $125 set-up charge and $25 for each negative removed or corrected during the time they were involved in the credit restoration process.

Give your clients the financial freedom with the good credit they deserve!

Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com

ULTRASCORE™ , THE CREDIT ANALYZER

2008-02-09T22:47:00.000-05:00

UltraScore™ provides the tools necessary to help anyone understand the credit scoring system and how it impacts their financial health and freedom.
UltraScore™ offers:
Comprehensive analysis of the positive and negative items impacting your credit score.
Personalized action plan to improve your credit file for your immediate and long-term
Customized recommendations to build and maintain good credit

Help your clients understand their credit score! Enroll them in UltraScore™ today!

Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com

THE EFFECTS OF SHORT SALES AND FORECLOSURE ON YOUR CREDIT

2008-02-09T22:45:00.000-05:00

United Credit Education Services and TJT Financial Services Providing credit solutions that work!
Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.
Recently, the market has seen a lot of foreclosures on homes. In 2007, there were over 2 million foreclosure filings, a rise of nearly 75 percent from the previous year. However, a new phenomenon of short sales has brought new questions of how this will affect consumer’s credit and credit scores.
Short sales happen when there is not enough equity to sell and pay all costs of the sale and a lender agrees to accept less than the amount owed against the home. Not all lenders are willing to do this though. Typically lenders only consider a short sale agreement when the home owner has defaulted on their payments.
A short sale may seem like the answer to avoid foreclosure, however, be aware that a short sale will still result in a lower credit score. The seller in a short sale will have lowered credit score 80 to 100 points versus a foreclosure, which will drop a consumer’s credit score 250 to 280 points. A short sale also can be more favorable than a foreclosure in that sellers of a short sale will be eligible for good interest rates in about 18 months to buy another home versus 36 months in a foreclosure. Talk to a real estate agent or a lawyer when determining whether a short sale or foreclosure is in your best interest.

Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com

FICO 08 LAUNCHES IN LATE SPRING

2008-02-09T22:41:00.000-05:00

United Credit Education Services and TJT Financial Services
Providing credit solutions that work!

Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.

The Fair Issac Corporation, the developer of the widely used FICO credit score, has created a new credit scoring model called FICO 08. Currently, most lenders use consumer FICO scores to determine interest rates, loan terms, insurance rates, etc. FICO scores are also being used to determine utility, rental and employment ability or eligibility.
The new credit scoring model will assist lenders in reducing the cost of default rates on consumer loans between 5 and 15 percent. FICO 08 also has intentions of being more lenient on those consumers who occasionally make a late payment versus those who are consistently late. Consumers with only one late account will be given a slightly higher score than those with several delinquent accounts. These consumers could see a significant drop in their credit score. Similar to the current credit scoring system, FICO 08 will stake into account the same factors, such as payment history, length of credit history, the credit mix, amount of debt and the amount of new credit. Unlike the current credit scoring model, FICO 08 will not take into account an authorized user. The new credit scoring model is expected to launch by late spring. Keep your clients updated as they anticipate the new credit scoring system change.

Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com

Attention Tax Professionals – United Credit Education Services

2008-01-08T09:22:00.000-05:00

Do you have clients with credit problems?

WE CAN HELP!

United Credit Education Services can help you better serve your clients with credit challenges. We have helped thousands of consumers achieve their financial goals. If you have clients with credit issues such as:

Late Payments - Foreclosure
Charge – Offs - Judgments
Collections - Tax Liens
Repossessions - Student Loans
Bankruptcies - Public Records

We can help with these and many other credit problems. By becoming a credit education consultant, you can market this services and generate additional revenue for your company!

Keep referral coming during the off – season
Help your clients establish financial independence
Deliver a credit education service that is unsurpassed in the industry!

Call Today to find out how you can take advantage of this lucrative business opportunity!

Tim J. Thrift
United Credit Education Services
248-830-4832 or visit https://www.vrtechmarketinggroup.com/tthrift/ or www.tjtfinancialservices.com

TJT Financial Services and Financial Education Services is proud to offer "MyCare Plan™"

2007-12-13T09:45:00.001-05:00

What is "MyCare Plan™"?Life can be full of uncertainties. Who will inherit your property when you die? Who will take care of your spouse and minor children should you not be able to? What kind of medical treatments would you like receive if you become critically ill? You can't always control the unfortunate circumstances in your life, however you can have a plan in place should they occur. MyCare Plan™ will enable you to plan not only for yourself, but for your loved ones as well.
MyCare Plan™ is our way of helping you plan for life's uncertainties. It includes a variety of planning tools and options so that you may customize your plans for yourself and your family.
MyCare Plan™ will assist you with the following essentials:
Preparing a Financial Power of Attorney and a Health Care Power of Attorney - talking to family members now to decide how to handle your financial and medical affairs should you become incapable of making your own decisions.
Preparing a will and establishing a living trust that will distribute your property according to your wishes after you die.
Who needs MyCare Plan™?
MyCare Plan™ is something everyone needs to do, not just "wealthy" people. You don't need to be rich to become ill or injured, nor do you need to be wealthy to provide for and protect your family's financial affairs.
MyCare Plan™ will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family.
Plan while you can. It's not enough to simply want to do the right thing; you need to make sure it happens. Let MyCare Plan™ turn your good intentions into good planning and security for your family.
Enroll Today! Visit http://tjtfinancialservices.com/Debt_Credit_Help.php click on my care logo under services.
Tim J Thrift
TJT Financial Services
http://www.tjtfinancialservices.com/
tim@tjtfinancialservices.com
248-830-4832

TJT Financial Services Announces Auto Loan Program for People With Credit Challenges.

2007-12-12T09:40:00.000-05:00

Our Easy Auto Loan Program allows people with credit problems to apply for a loan in the privacy of their own home. Now these consumers will not have to be subject to slow service and the embarrassment of discussing their credit issues with strangers when they go to an auto dealer.Through our program, the buyer simply completes a short application online and within 24 hours, they will know if they were approved.They will be notified both by phone and email as to the status of their application.
Once the loan is approved, a packet containing a check in the amount of the loan is sent overnight by Federal Express. Once the borrower has received the check, and supplied necessary documents for address verification and proof of insurance, they are ready to go car shopping! This process gives the buyer the power to negotiate because they already have the funds and don't have to wait to be approved for financing. The program serves buyers with credit scores ranging from 475-620 with interest rates from 10-19 %. Typically, people with credit scores in these ranges pay much higher interest for auto loans so the buyer saves money by going through this program to obtain their financing.
General Guidelines:
You must be at least 18 years of age or older.
You must be a current U.S. resident.
Vehicle must be Model Year of 2001 or newer with less than 70,000 miles.
New and used dealer purchases must transact at a franchised dealership with your state of residence.
Gross monthly salary must be at least $ 2,000 if applying as an individual or $2,400 combined if buying jointly.
Must be employed in same position for one year or longer.
Loan request must be between $7,500 and $50,000.
Previous declared bankruptcy must have been discharged.
Borrower must not have a late mortgage or auto loan payment in past year.
No motorcycle purchases.
No commercial, cargo, conversion, customized or 1-ton vehicles.
*Program not available in the following states: Hawaii, Louisiana, Tennessee
Get Started Today! Click here to begin!

TIM J.THRIFT
TJT Financial Services
Debt & Credit Solutions That Work!
http://tjtfinancialservices.com/Debt_Credit_Help.php
PH: 1-248-830-4832
Fax/Voice: 1-206-350-2925"Whatever we think about and thank about we bring about"

United Credit Education Services, Helps Mortgage Broker's assist clients with credit problems.

2007-12-10T06:10:00.000-05:00

It's in the news everyday, foreclosure at an all time high, Consumer debt at an all time high, Consumers suffering with credit problems and unable to refinance their adjustable rate mortgage to a fixed mortgage.

Hello,
My name is Tim Thrift of TJT Financial Services located in Ortonville, MI. I am a certified credit & debt consultant and an independent representative of United Credit Education Services.
I am working with local and national mortgage companies helping them with the clients they are unable to refinance or finance into a home mortgage. Many borrowers today have credit problems and just are not aware that they can do something about it.

More and more loan officers are trying to optimize their leads by referring their clients to me and getting them enrolled into our credit repair program. The clients are paying $399 for the credit repair services in many cases, 30 to 40% of the negative items will normally be corrected or deleted within the first 6 to 7 weeks, often raising a borrower's score enough to bring them out of the sub-prime category and reducing their interest rate. The broker then gives the client a broker credit for the cost of the credit repair if the client's returns back for the mortgage. Therefore the clients are getting the credit repair service free and the loan officers are closing more loans.

There are many other benefits to the mortgage brokers such as the re-score program that mortgage companies often use cost them money. Our 24/7 online tracking system allows the clients and loan officers' access to their credit scores an effective way for them to recover money invested in pulling credit reports and to revive potential borrowers that would otherwise have been lost because of their credit issues.

Our guarantee, if they are not satisfied after six months or three dispute cycles, they may receive a refund less a $125.00 set up fee and $25.00 per negative item removed or corrected during the process.

This is a win-win for all the parties involved. If you are a mortgage broker and interested in additional information on United Credit Education Services please feel free to contact me

TIM J.THRIFT
TJT Financial Services
Debt & Credit Solutions That Work!
www.tjtfinancialservices.com
PH: 1-248-830-4832
Fax/Voice: 1-206-350-2925

The REALITY of Realty Seminar

2007-11-13T07:36:00.001-05:00

THE REALITY OF REALTY SEMINAR TOUR
EDUCATING THE GENERAL PUBLIC ON WHAT'S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY'S & GIRLS CLUBS OF S.E. MI.
This is going to be a monthly Seminar Series starting in Royal Oak held the first Monday of every month.
ROYAL OAK, MI - Michigan, most commonly Detroit and Metro Detroit are the focus for doom and gloom on the topic of Real Estate and Financing in today's market. The press, everyone's nosey neighbor, co-workers, and the guy in the line at the grocery store have all told everyone what they know and have heard about what's going on in Michigan Real Estate and Financing - Why not hear about what's going on from the experts working in the field everyday here in Michigan in a laid back, fun, educational, and non-sales atmosphere while giving back to a local Michigan charity in the Boys & Girls Clubs of Southeastern Michigan. The general public is invited to the first Reality of Realty Seminar Monday, March 3rd at 7pm at the Washington Building above D'Amato's in downtown Royal Oak @ 222 Sherman. It is $20.00 at the door including refreshments and enough education to make the attendees the experts in the field. Attendees will be learning about foreclosures, mortgage interest rates, home sales, credit, refinancing, home values, home owners insurance, title insurance, closings, short sales, getting approved for a mortgage, and everything else wrapped around the Real Estate and Finance transaction. After there will be an open forum, followed by a formal Q & A session, ending with open time for one to one questions and networking.
Included in the Reality of Realty Seminar Series in Royal Oak are:
Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022
Richard Kallabat - Realtor & Foreclosure Expert, Keller Williams (248) 208-6999
Ted Edginton - Mortgage Loan Officer, US Bank (248) 866-9460
Tim Thrift - Credit Specialist, TJT Financial Services (248) 830-4832
David Haugk - Insurance Rep, Glenn Maas Agency (248) 524-9525
Dante King - Licensed Appraiser, All Good Appraisals (313) 443-2182

Business Opportunity

2007-11-13T07:30:00.000-05:00

TJT Financial Services is seeking Credit Repair Consultants
Get Started – Own Your Own Business
"Let's make a difference together"

Excellent Opportunity for Mortgage Brokers
& Real Estate Professionals.

Live Conference Call Schedule…
Monday Evenings
Opportunity Call: 7:30 pm – 8:00 pm
Training Call 8:15 – 8:45 pm

Thursday Evenings
Opportunity Call 8:30 pm - 9:00 pm & 10:30 pm -11:00 pm
Training Call: 9:15 pm - 9:45 pm & 11:15 pm – 12:00 pm

Conference Call #
212-990-8000
Pin 0070#

Our 24hr Info Line #
212-990-7059

All Calls are Eastern Standard Time

Call TIM THRIFT at 248-830-4832
http://www.tjtfinancialservices.com/
tim@tjtfinancialservices.com

2007-10-05T08:21:00.000-04:00

UltraScore™ was developed as an educational tool designed to help you understand and maximize your credit score. By providing a detailed and comprehensive analysis of your credit report, UltraScore™ will enable you to:

· Understand your credit file
· Understand how your credit score was calculated
· Help you effectively manage your finances
· Understand the negative impact of low credit scores
· See how your credit score affects your interest rates on credit cards and mortgages
· Prepare and maintain a monthly budget
· Project new home or refinance interest rates
· And much, much more.

Contact me for a FREE demo on Ultra Score. Visit Ultra Score at www.tjtfinancialservices.com

Understanding Your Credit Report

2007-08-01T08:29:00.000-04:00

The total American consumer debt is more than two-trillion dollars. That matches the lowest savings rate in nearly 90 years. If you're one of the many with debt, understanding your credit rating should be a priority. But for some, it's hard to understand. Charge off's, review inquiries, ratings and scores. If these terms leave your head spinning, then now's the time to learn how to read your credit report. The first step is to pull your report.

There are three credit reporting agencies: Transunion, Experian and Equifax. You'll need to pull your report from all three agencies because they'll all show different things. Check the spelling of your name, personal information, social security number. Then, verify every entry to make sure it's correct.
One credit expert says it's not the credit cards that are bad, it's how you manage them.
John Cote, a financial planner in Myrtle Beach said, “I think the marketing of credit cards over the decades has been masterful, what the credit card companies and banks have done. The problem is in many cases where consumers are not trained properly are the big losers."
Cote said the lack of financial education is the problem. Young adults aren't learning how to manage their finances. So teaching them the basics is very important.

Here are a few things Cote said will negatively affect your credit.
-Too many revolving cards such as credit cards and department store cards.
-Late payments. Every late payment knocks points off your score
-Debt to income ratio. You should aim for your debt to equal 36% or less of your income.
-Keep balances less than half of the card limit.

High credit scores will get you lower interest rates and better loans. And by following a few simple steps, in as little as 6 months you can raise your credit score.

HELPFUL LINKS:

http://www.usnews.com/usnews/biztech/tools/modebtratio.htm -DEBT TO INCOME RATIO

http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/ManageDebtDyn.aspx?cp-documentid=5212192 LIFE AFTER DEBT

http://moneycentral.msn.com/content/Banking/Yourcreditrating/P88401.asp HOW TO READ YOUR CREDIT REPORT

http://www.annualcreditreport.com GOVERNMENT CREDIT REPORT SITE

http://moneycentral.msn.com/content/Banking/Yourcreditrating/P88401.asp HOW TO READ YOUR CREDIT REPORT

http://moneycentral.msn.com/quickref/quickref.asp?Cat=10&SelCat=7&RefType=0&QAMode=1&QID=729&Topic=3&Sub=4 THE THREE CREDIT REPORTING AGENCIES-CONTACT INFORMATION

Eliminate Your Mortgage On The Path To Financial Freedom

2007-07-30T08:45:00.000-04:00

Arlyne Lee wants to become debt free, and the Mortgage Eliminator is helping her reach that goal. As a retiree who lives in Makakilo, Hawaii, Arlyne owns a home but has never had a spending plan in her life – until now.
“I needed someone to help me learn how to manage my finances so I can pay off my house,” says Arlyne. “I don’t want to have anything to worry about, and I want to leave the earth debt free so my kids won’t have to worry about paying any of my bills.”
Arlyne has a 30 year mortgage, but she’s hoping to pay it off in just 9 or 10 years. The Mortgage Eliminator collects all of her income and savings into one account. Then Arlyne pays all of her expenses with a credit card during the interest free period. At the end of the month she pays the credit card bill, but the principal balance of her loan has been reduced by leaving money in the Mortgage Eliminator account for as long as possible.
“I’ve learned how to use other people’s money to my advantage, while I save my own money,” says Arlyne. “I feel so much better now that I am paying my debts - those credit cards can really choke you.”
Spending less than you make is the key, since the Mortgage Eliminator builds on how much money you can save. A financial counselor helps Arlyne with her spending plan, paying down her mortgage, and staying on track when she needs help or encouragement. The first principle the financial counselor taught Arlyne was that the more she could save, the more they could put in her Mortgage Eliminator account to pay down her mortgage principle.
Arlyne says she enjoys talking to her coach, who has helped her understand the big picture regarding her finances. Arlyne also says her coach helped her learn how to manage her finances online, since she wasn’t very comfortable with a computer.
“The Mortgage Eliminator program is teaching me how to be more money wise, making me more conscious of my spending habits,” says Arlyne. “It is a great program and I would recommend it to anybody.”
The Mortgage Eliminator can help you pay your home loan off faster, which means you pay less interest, build equity faster, and can access that equity for your personal needs. For more information on how you can pay off your mortgage in one third of the time. Click here for more information on the PayAccel HELOC Mortgage Eliminator.

Interesting Statistics

2007-07-30T08:10:00.000-04:00

81 out of 100 people are either
dead or dead broke at age 65.

2% are financially
independent.

17% are still working
Because they have to.

Only 2 out of 100 people, at age 65, are financially Independent.

Source: Social Security Board.

BECOME A FINANCIAL FREEDOM INTERNATIONAL, Inc. CONSULTANT

2007-07-26T10:44:00.000-04:00

Financial Freedom International, Inc. a BBB and Dunn and Bradstreet member in good standing is expanding its sales team. We are seeking motivated individuals that have a passion to help consumers eliminate their debt. We show them proven financial solutions that eliminates their mortgage in avg of 6-12 years and eliminate their credit card debts in 1-3 years. Our Payaccel software and financial coaches do the work. Consulatnts market services to clients with our FREE financial fitness evaluation that shows the client how to implement the plan and save thousands of dollars in intrest. VERY lucrative compensation plan. A MUST SEE OPPORTUNITY!! Do yourself a favor and at least look at this opportunity to get started. This is the most powerful program out there today! REFER TO WEBSITE LINKS TO THE RIGHT.

THE PROBLEM

2007-07-26T07:54:00.000-04:00

I have set up My Debt Free Solutions blog to discuss and share my crusade to help individuals, families and communities form debt bondage. My name is Tim Thirft, I am a certified licensee of Financial Freedom International, Inc. Our company has serviced over 50,000 satisfied clients since 1987.

According to the Federal Reserve Consumer debt (excluding mortgage debt) reached a record $2.019 trillion in February 2004. That’s approximately $19,000 per household in credit cards and car loans. 42% of Americans pay only the minimum or no payment at all on their credit cards providing $12 billions in late fees and other penalties to their credit card companies in 2003. This level financial bondage has led to a record 1.7 million bankruptcy filings in 2003. In addition to record levels of personal debt and bankruptcies, the nations savings rate has dropped to just 2% of after-tax income and about 43% of American families spend more than they earn each year. This means that many people lack the resources to deal with financial emergencies, much less eventual retirement. Personal debt and financial mismanagement are the reasons that only 2% of Americans are financially independent and comfortably able to retire at age 65.

I believe this to be more than a problem. I believe this to be a national crisis. At Financial Freedom International, Inc we recognize this crisis and intend to be part of the solution.
in later post I will be sharing with you our products and services at FFII. I hope that you will participate with feed back and share with me your story and experiences with debt bondage.