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Building your credit back up again

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I have did some studies online this year on credit cards that will help people in need of rebuilding there credit history again.
Orchard Bank Visa Card has such a card that may help many of you get that extra start for the New Year 2012. Orchard bank offers these credit cards listed below.

CARD TYPE INTRODUCTORY APR VARIABLE PURCHASE APR PROCESSING FEE ANNUAL FEE
Platinum n/a 14.90% – 19.90% $0 $19-$59
Gold n/a 19.90% $19 Introductory $49 the first year
$59 per year thereafter
Standard n/a 19.90% $39 Introductory $29 the first year
$59 per year thereafter
Secured n/a 7.90% $0 Processing Fee
($200 minimum security
deposit required) Introductory $0 first year,
$35 per year thereafter deposit required

^ All rates are accurate as of 10/14/2011. Variable APRs will vary with the market based on the Prime Rate.
Rates and Fees Specific to Unsecured Credit Cards:

*The variable Purchase APR is currently between 14.90% and 19.90%, based on your creditworthiness. The variable Balance Transfer APR is between 14.90% and 19.90%, based on your creditworthiness, and applies to balance transfers and credit card checks, if available, unless otherwise disclosed. An Annual Fee between $19 and $59 will apply, unless you receive an Introductory Annual Fee for the first year of $29 or $49, then $59 per year thereafter. A Processing Fee between $0 and $39 will apply, based on your creditworthiness.
Rates and Fees Specific to Secured Credit Cards:

The variable Purchase APR is 7.90%. The variable Balance Transfer APR is 7.90% and applies to balance transfers and credit card checks, if available, unless otherwise disclosed. An Introductory Annual Fee of $0 will apply the first year and $35 per year thereafter. The Processing Fee is $0. Minimum $200 security deposit required. Any credit extended under the secured credit card is secured by a deposit account with HSBC Bank USA, N.A.
Rates and Fees for All Unsecured and Secured Credit Cards:

The variable Cash APR is 20.90%. The variable Penalty APR is 29.49%. Your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. A Balance Transfer Fee of 5% ($5 minimum) will apply to balance transfers, if available, including credit card checks. A 5% ($5 minimum) Cash Advance Fee will apply to cash advances. The Minimum Interest Charge is $1. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.

This credit card is issued by HSBC Bank Nevada, N.A. and is serviced by its affiliate HSBC Card Services Inc.

Visa is a registered trademark of Visa International Service Association.
Privacy/Security

HSBC Bank Nevada, N.A. is committed to safeguarding your privacy online. If you would like more details, please visit our Privacy and Security Information at Orchard Bank website for more information on obtaining your new card for the New Year of 2012

HSBC Card Services, Inc.
1441 Schilling Place
Salinas, CA 93912

 

Identity Protection

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9 million Americans have their identity stolen each year.

Identity theft occurs when someone uses your personal identifying information, without your authorization, in order to perpetrate fraud or other offenses, such as obtaining loans, services or credit. To reduce your risk and help protect yourself and your family, you need complete identity theft protection. Experian’s Identity Theft Protection product can help catch identity theft and fraud when it happens and help you regain your good name and credit.

Online access to your Experian credit report
Daily monitoring of your Experian, Equifax®, and TransUnion® Credit Reports with email alert notifications when key changes occur
Daily internet scanning for unauthorized use of your SSN, debit and credit cards
Lost/Stolen wallet protection that helps you replace your cards fast
National Change of Address monitoring alerts you if someone changes your address
A 14-day money back guarantee1
Dedicated Fraud Resolution Professionals
$1 Million Identity Theft Insurance2

President Obama’s Credit Card Debt Relief Program? Get Your Debts Erased Now

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1. If you have over $10,000 in unsecured debt, it can be erased by up to 60% and sometimes more.
2. You credit score will not be negatively affected by having to file bankruptcy
3. It gives you a chance to breath financially as you are able to work with companies that work within President Obama credit card debt relief program.

Now, saying all of this, many times companies will help you once, so this means that after you debts are erased, it is important to get into a system where you only charge in emergency situations. Also, almost every company will talk with you for free to see exactly how much you can get erased.

Did you know you can legally erase your debts? It is now perfectly legal to Erase Credit Debt according to the new stimulus package if you have over $10,000 in debt. They give out free information to help you erase your credit card debt once according to the new stimulus package.

This article has been written to inform you of President Obama credit card debt relief plan. There has been a lot of misconception about this plan and we hope to dissolve and clear up any questions that those in extreme debt have. In the beginnings of 2009, when our President was elected. Obama put forth what has been called “President Obama credit card debt relief plan”. Now, this plan is not a safe haven for all debtors, but it does give debtors the ability to erase 50-60% of their credit debt and even more. Sometimes this can be up to 70% the Obama credit card debt relief program.

Why is this possible? The answer is two fold: First, billions of dollars of funding has been put into the American Economy to help with our situation. Our President promised a major change to the US and this bill was one of the first things he did to help those who are trapped in debt. Secondly, with President Obama credit card debt relief program, many creditors have been so called “bailed out” because of stimulus money.

What are 504 Loans

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The Small Business 504 Loan Program provides small companies in development areas with guarantees for loans for major fixed assets such as land and buildings for economic development. The purpose of 504 loans is to improve the economy of a locality or to assist businesses owned by women, minorities, veterans, rural businesses, and other designated types of businesses. The 504 loans are set up to work with Certified Development Companies – nonprofit corporations set up for community development. Generally the project assets are used as collateral.