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Poser Tubes Launches Credit Repair Service in Bakersfield California



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Poser Tubes Credit Repair has announced that they have recently launched their credit counseling and credit repair service in Bakersfield, California. Their service is for people who need to have their credit fixed because their credit score has taken a hit from a number of possible issues. These include collections accounts, judgments, foreclosures, late payments, charge offs, paid charge offs, bankruptcies, and payments where the amount paid was less than the amount due. They have been serving various cities in California and have recently expanded to Bakersfield. Those who are interested in their exact location in Bakersfield can check out their Google Maps page at

The city of Bakersfield is the location of the county seat of Kern County. The city has a population of approximately 380,000, which makes it the ninth most populous city in California. Its cost of living is 19 percent lower than the California average but 12 percent higher than the US average. Like in many cities in California, people may face situations that could result in damaging their credit.

Ervin Gay from the Bakersfield office of Poser Tubes Credit Repair says, “With Poser Tubes Credit Repair, our service only charges you when items are removed from your credit report. We’ll fix your credit as quickly as possible, so you can continue with your meaningful life investments.”

The credit repair professionals from Poser Tubes Credit Repair can help people in Bakersfield improve their credit score through the elimination of various negative items found in their credit history. The first step would be to contact the three major credit bureaus and get their clients’ credit reports so that these can be checked for any entries that should not be there. If it can be proven to a particular credit bureau that these are truly erroneous entries, these will be removed and immediately result into a better credit score.

Those who have already tried the credit repair service offered by Poser Tubes Credit Repair in California have mostly positive things to say about it. For instance, Jennifer from Bakersfield said, “I needed my credit repaired so I could buy my first house. The team at Poser Tubes removed a bunch of missed credit card payments and other stuff from my credit history. My credit is no longer ‘down the tubes’!” Frank from California said, “Poser Tubes cleaned a collections account that was on my credit, and got the debt collectors to stop calling me. My credit has improved, now that this isn’t on my record. Thanks again!”

A unique feature of the service offered by Poser Tubes Credit Repair is their “pay per performance” concept. Customers will only need to pay a low monthly amount, while negative items on their credit report are being removed. This is in contrast to other companies that charge significant configuration fees and only files disputes afterwards.

It should also be noted that Poser Tubes operates 100 percent remote, which means that they can help people from anywhere in the United States.

Furthermore, customers will be able to check if there are any improvements in their score. This is because they are provided with a credit reporting dashboard. They will also receive a monthly credit repair progress report, which will show the negative items that have already been eliminated. This report will also indicate those items that are still in the process of being removed and the next steps that will be undertaken in order to improve the client’s credit score.

It is important to realize that rebuilding credit can take a long time. Thus, people should not expect overnight improvements to their score. It may take weeks, months or even years, but it does not mean that people will have to wait that long. Some improvements in the score can be noticed within six months to one year.

People who need more information about the credit restoration services offered by Poser Tubes Credit Repair in Bakersfield can visit their website at or contact them on the telephone or via email. They are open 24 hours, from Monday to Sunday.


For more information about Poser Tubes Credit Repair – Bakersfield, contact the company here:

Poser Tubes Credit Repair – Bakersfield
Ervin Gay
(661) 228-3368
5500 Ming Ave
Bakersfield, CA 93309


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Are Sallie Mae Student Loans Federal or Private?



When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances



Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit



Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.



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