Never Pay Upfront Fees for Credit Repair Services

It’s little surprise that a growing number of individuals are seeking the help of credit repair services. The national unemployment rate is still above 9.5 percent. Housing values have fallen, cutting homeowners off from the cushion of home equity loans. And more people than ever have bad credit scores.

But consumers need to be careful when seeking out the help of credit repair services. Not all of them are created equal.

Before signing up with such a company, consumers need to do their research. If they don’t, they might find themselves spending hundreds of dollars for little to no results.

Credit Scores are King

Consumers today know that credit scores are king. Mortgage, auto, and personal lenders use them to determine who gets loans and at what interest rates. Consumers with low credit scores, under 620, are usually saddled with high interest rates. Those whose scores are above 750 will usually qualify for the lowest interest rates.

The problem today, though, is that a growing number of consumers’ credit scores fall under that 620 mark. A recent study by FICO, the largest provider of credit scores in the country, said that nearly 25 percent of consumers have scores under 600. A score this low, of course, ranks as a bad one. Consumers with such low scores will struggle to obtain any loans from conventional lenders.


Credit repair services promise to help consumers boost their weak scores. The best of these firms follow through on their promises. They help consumers set up spending budgets so that they can gradually trim their credit card and other debts. They make sure that consumers have enough available cash to pay their bills on time every month. And they provide credit counseling, so that consumers can identify the reasons for their past overspending. By doing this, consumers will be far less likely to run up their credit card debt again.

Unfortunately, not all of these services are interested in helping their clients. Many have sprung up during the recession and its slow recovery in the hopes of earning quick cash. Indeed, one of the few industries to thrive during these dismal economic times is the credit repair business.

Consumers who scan the Internet will find plenty of stories, from across the country, on companies that take loads of money upfront from their clients and then do nothing to improve their credit. Others take the money and simply disappear, leaving behind no traces that they ever existed.

Fortunately, it’s relatively easy to spot the scammers. Consumers should avoid companies that make outrageous promises. For instance, there is no way for consumers to raise their credit scores by 100 points or more overnight. They is no legal way for credit repair companies to remove a correctly recorded bankruptcy, housing foreclosure, or other negative judgment from their clients’ records.

Avoid the Upfront Fee

Finally, consumers should always steer away from credit-boosting services that charge upfront fees. This is a good sign of a company that is running a scam. Too often, companies that charge upfront fees are merely doing so as a way to nab some quick cash for no work.

This is a serious problem. A new Federal Trade Commission rule goes into effect October 27th that will ban debt settlement companies from accepting upfront payments for their work. Consumers should keep this in mind when they’re tempted to pay for a service before that company has done anything to help them boost their credit scores.

Tips About Common Minor Home Repairs

Most homeowners have some basic ability to perform home repairs on their own. Simple repairs that can be done in an afternoon require only time and the cost of the materials needed. Even some major house repairs don’t require you to wait until the weekdays in order to get a hold of someone who can come in to fix something. There is not only money saved, but there is the sense of satisfaction in knowing that you can maintain your home without professional help.

Owning a house means that there will always be home repairs that need to be done. Some can be left for years, but others need to be done on a regular basis in order to maintain the beauty of the place of residence. One of the more minor repairs that can be done in a day is painting. Hallways get a great deal of traffic, and often scuff marks and scratches are seen on the walls from the kids, animals or things being bumped into the walls. All that is needed is a simple cleaning, patching and then painting of the area. While painting an entire room or a place of residence is a bigger job, it is still considered minor work. It is unlikely a homeowner would contract home maintenance services for simple painting jobs.

Repairs on the house are often needed for small things like broken handles, knobs or levers. These items that stick out get a lot of use and are prone to a lot of wear and tear and so breaks are common. A quick fix with glue is often an easy solution, or a simple installation of a new part. Most people would avoid calling a handyman for hire for such a fix, and if they are not confident of their own abilities to fix the damage, they are likely to call on a friend or family member.

Window repair is another concern that every homeowner has to face once in a while. Removing a pane of glass and installing a new one is the kind of job that takes very little time. A lot will depend on the type of window that is damaged, however. Certain windows may be very attractive, but extremely difficult to fix. A large window especially can be quite challenging in order to install properly. Generally speaking, however, window repair is not a major undertaking.

There will always be home repairs that need to be done if you own a house. Some of these repairs are major home repairs and can be quite costly. Having a list of what needs to be done and keeping up with minor jobs is important. Some jobs can wait until you have more time and money, but some jobs are simple to do and aren’t very costly. Being aware of the cost of repair work, and learning as much as you can about repair work will save you money.

Great Ways to Start a Home Repair Business

You may be itching to become a fix-it man or woman. It is a great idea especially if you are a person who loves to engage to hand works. Aside from owning your own time, you will get to set fixing standards your own way most times. Additional plus points would be freedom to explore your repair and improvement skills and the opportunity to share your skills and ideas to your prospective employees and customers. So if it is a lifelong dream already brewing now, you can definitely go for it with some basic home improvement or home repair business useful tips in mind.

Indeed, the first step is to know some basics in the business.

Since a fix-it business covers a wide variety of handyman jobs, you have to decide where to focus on first. You may want to focus on maintenance services such as home plumbing repair, hot water heater repair, replacing tiles, painting rooms, etc. For remodelling or contractual arrangements there’s the bathroom contractor, or a kitchen contractor dealings.

It is basic knowledge that all legal businesses require licences. Licensing requirements for home repair business may be different from one state to another. Check out the license regulations in your area first so no time, money and effort may be wasted.

It will also be an additional good point if you get your business insured or bonded. The bond will serve as guarantee that you will keep up with your work contracts with customers. Prospective patrons will see this as a benefit and can lure them to avail of your services. This kind of insurance is available in your homeowners or specialty insurance companies too. They are usually easy on the pocket too.

Next, decide on the pricing scheme. An hourly rate may save you more on fuel and other expenses rather than a pay-per-job option. Make some comparisons as to what is prevailing in the market so you can study trends and see where to fit yourself in. It will definitely be a little tough as you start but with perseverance and little help from advertising may do you good. Spend a little on some flyers or maybe putting up a website using some free web platforms. There is really no need to really spend too much on promotions.

Continue learning about other essentials such as inspection agreements, reports and payment collection. The internet has so much information that can assist you in putting up your home repair business. This way, gaining helpful tips need not be costly. Just make sure that you are at the right websites.

Alfredo Pantoja is an Internet Marketer, Writer and Consultant. Who’s passions include helping people, red wine, coffee, travel, film and Real Estate.

How to Find a Home Repair Electrical Contractor – Or How to Do the Job Yourself

Home repair electrical contractors are important people. Electricity plays such an important role in modern life that no-one wants to be without it for long. Electrical wiring, and the supply of electricity to your home, is something that is taken for granted most of the time. It is only noticed or thought about when something goes wrong. Despite the high reliability of modern electrical services, there is still a need to make sure that everything is working as it should be.

It is perfectly possible for electrical work to be carried out by the home owner. In theory, if you can change a plug you can fix the wiring. The concept is identical, and even the colors used to identify the different polarities of the wires are the same. It is only the designing of the circuit itself which causes any potential difficulty, and there are plenty of instruction manuals which can help you get this right. Although electricity can be a hazard, it is a lot easier to make it safe than it is with gas.

There are some cases where a professional contractor will have equipment which will help them diagnose faults a lot faster than you would be able to do without it. There are also cases where professionals will be able to reach into relatively inaccessible areas of your home. They will have the right ladders and cross planks to allow them to reach places you may not be able to reach. A professional will also be far more likely to have the wiring or fittings needed to replace existing problems than a householder would.

A home repair wiring job will also take a lot of your valuable time if you do it yourself. In the end, you are the only one who knows whether it is better for you to spend time or money to achieve the desired result. A lot will depend on the severity of the problem, and exactly what you are trying to achieve. If your entire wiring is outdated, it will be better to bring in a home repair electrical contractor as the job will be huge and take a long time. It is best to replace all outdated wiring in one go, creating a completely new system.

If your home repair wiring job is to be carried out by a contractor, it will be important to get references and referrals. A huge job like this cannot just be given to anyone. The first step is to make sure that the contractor is registered with the relevant regulatory body or association. If they aren’t, forget it. This is no time to be taking unjustified risks. Try to get the opportunity to see other work which the contractor will have carried out. You should be able to get referrals for a good home repair electrical contractor.

For more information on effective home repair including Home Maintenance Repair, Handyman Home Repair, Contractor Roofing, Contractor Plumbing, Home Repair Guide, Home Repair DIY, Home Remodeling and Repair Grants

Ants in My House – Oh No!

My wife is deathly afraid of what she calls creepy crawlies. Ants, spiders, cockroaches, silverfish, pincher bugs, fleas, etc. She lived in a converted barn for a time and often awoke to ants crawling on her. So imagine the terror she felt, when after moving into our new 30 year old home, the first really good rain came and we discovered ants in the cupboards in the kitchen and bathrooms. It was them or me she said. My orders were clear; kill them all, get them out, and keep them out or sleep on the couch.

1. Kill them kill them all. If you see just a few ants it is possible that they are just scouting for a food source and if they have found it and are headed out of the house then kill them before they can tell the nest. Insect spray is fine for killing the bugs just beware of where you spray the stuff you do not want to poison children, pets, or yourself. Once you have killed them all, whip down the area with your favorite house hold cleaner. I have also left a couple of dead ones where other ants can find them in hopes that the bodies of their comrades would scare them off. I cannot really say that it helped much though.

2. Find out where they bugs are coming in the home.

a. I discovered that the ants were coming in through cracks around the window sills. I purchased some all purpose painters caulking and filled in the gaps.

b. I discovered they could come in through the walls if there was a hole available. There was a large area behind the wall mounted light fixture over the sink in the bathroom. I filled those holes as well with some triple expanding foam.

c. You may find the same kind of gaps around pipes under the sinks through out the house. Seal each one as much as possible.

d. Check the door and window weather striping. Are there gaps? Replace it with new weather striping to keep the bugs out as well as the outside elements.

Now even though you have taken every precaution to rid your home of these creatures there still maybe some that find their way in. As I mentioned earlier these creatures are looking for a food source along with a dry place. You can discourage them a lot by not leaving food out for them to find. Put everything in sealable containers.

I am also a firm believer in pest control companies, they are worth the investment. But you may not be able to afford a service right now. So for ant control I recommend a pest stick, place one in the ground every 10 feet right against the house to help keep ants out.

You can find the tools and products you need to help bug proof your home at your local hardware store.

Plumbing Repair Service – Safety Tips To Remember

Leaks inside the house, no matter from which area, brings nothing but huge problems for members of the family. That is why you are rushing to get the necessary plumbing repair service in your area in order to put a stop to these leaks as soon as possible. Help your plumbers work on these concerns faster by identifying these safety tips to protect you and your family in the course of the repair:

Note Specific Areas Where Leaks Come From.

You might want to list these areas out if there are too many leaks in the different parts of the house. Or go ahead and place a tape for small pipes of tie a towel around to prevent the water from dripping while waiting for the plumbers to come.

Test Your Other Faucets For Possible Signs Of Leaks

Go around the house and check every faucet. You can even ask the rest of the family members to help you especially if you own a big house and that doing this all by yourself will definitely take much of your time. Provide instructions on what to do with those leaks as a temporary solution to help the plumbers repair additional pipes that leak in other parts of your house.

Disconnect Outside Water Hoses

This may be applicable more on residential projects rather than in those commercial plumbing services. If left connected, there will be more water to put to waste, something that mother nature does not wants us to do isn’t it? If you have shut-off valves inside the house, then you can just turn these off to prevent additional volume of water from dripping.

Clear Your Kitchen Sink Of Waste That Causes Clogging

This is the usual concerns of those who are calling for plumbing repair service at home. Do not ever put fibrous waste down the drain. Examples of these are plant fibers from fruits and vegetables like carrots, celery and banana peels.

Do Not Pour Fat Or Cooking Oils Down The Drain

You might think that it is convenient for you to do, but this might be the cause of trouble inside your home. If you already did this, you can pour hot water down the drain to minimize the grease that block these pipes. You can also pour cups of vinegar to help do the same thing and flush the waste on the pipes.

Remove Hair, Soap Bits And Other Debris Near The Sink

The plumbers will help us unclog the drains in these pipeline, however, you also need to do your part. Please clean your sinks with these hair strands, soap bits near your shower sink and dispose these properly. Make their work place as comfortable for them as possible even if their job is considered as a messy one.

Provide Cleaning Supplies Near The Area For Faster Cleanup

This is something that you need to do as soon as they are done with finishing touches on covering those leaks. Ask for any recommended way to clean the area when they are done with their work. This is to make sure that you will not hit parts of the repaired pipes that might cause bigger trouble. If they advised that you let the area untouched for a few days, follow their lead, if that means being a leak free house after a few days then cleaning is worth the wait.

These are just simple, but effective ways to help these experts to come up with a safer plumbing repair service activity as soon as possible. Remember that their job is to look after and repair these problem leaks, so make it possible to let them work safely and comfortably in your place as much as you can.

Major Computer Repair Services

One of the largest cities of United States of America and the largest city of the state Texas is Houston. It is one of the busiest cities of all the times generating huge economic activity with a very wide industrial base. It is the county seat of Harris County and some of the city’s region is under the counties of Ford Bend and Montgomery. Houston is a multi cultural city with lot of cultural exhibitions upon very active, visual and performing arts. The largest port of United States of America is situated in this city and has more than 500 companies’ headquarters within the city.

Houston offers some of very good and knowledgeable computer repair supporting services and assistance through help desk facilities for individual users, small businesses, medium sized businesses and commercial organizations. Mostly the companies hire experienced, trained and qualified technicians from the industry who are able to resolve any of computer related issues very quickly and skillfully. Houston computer repair sector is a busy sector because of the increased demands of repair services. So, it is advisable to get your small computer issues resolved from a knowledgeable self employed repair service provider instead of taking your system to some very large Houston computer repair company.

Local repair companies in Houston not only serve to locals but also to other parts of Houston. For instance, Dallas repair companies have expertise to fix all types of repair problems and they serve to entire Houston city without any condition whatsoever. Dallas computer repair companies also offer personal and online trainings on repairs every now and then. You can benefit from such trainings to fix little computer issues by your own and can save some of your hard earned money. The specialty of Dallas repair companies are virus removals, system upgrades, PC backups, routine maintenance, networks and cleaning services.

Typically, Houston computer repair companies offer many standard and advanced repair services such as removal of spyware, adware and virus, set up of wired & wireless networks, system tune up; set up of home theater, audio/video, hi-fi and HDT; mp3 player, scanner, printer & all gadgets setup, reliable website and spam-free email hosting, official data backup & recovery, hard drive transfer; printer, file & internet connection sharing, all computer hardware upgrades, hardware configuration, software configuration, software upgrading, drivers installation, personal data (music, videos, text, images, etc.) backups, system boost ups, defragmenting, dust clean ups, carbon removal, cabling, security, firewalls, proxies, and many, many more services.

If you are seeking a friendlier repair service where you are treated with ultimate care and delicacy, then Houston repair companies are good at this job. Moreover, Houston computer repair companies operate very flexibly and charge you with low overhead costs; mainly you are charged for direct services. They offer free of cost pick and drop services, onsite repair services, remote repair services and online assistance for your computer issues. So, whenever you are going through a sick computer unit, you just need to consult an online repair directory to find the best Houston repair service in your area.

Online Quick Computer Repair Services

The state of Pennsylvania is rated number six among the top states of United States of America in gross product. In Pennsylvania, the cities of Pittsburgh, Philadelphia, Erie, Wilkes, Barre, Scranton, Easton, Bethlehem and Allentown are known as the centers for manufacturing. The sectors of banking & industry, agriculture and gambling are very strong in the state of Pennsylvania. Some of very famous companies have large operational centers in the state, like U.S. Steel, PPG Industries and H.J. Heinz are located in the city of Pittsburgh; GE transportation Systems is located in the city of Erie and Walmart is present everywhere in the state. The strength of all the sectors and companies depend on high performing computers.

Irrespective of the fact that you are a novice or an expert, having a home computer, small business with average computers or large business with dynamic computers, your computers are sure to experience some issues sooner or later. Over the course of time, computers start to perform slow or start taking lot of time in performing simple tasks, showing every sign of an issue. According to several different surveys, most of the computer malfunctioning are just due to software. For this purpose, Pennsylvania computer repair companies have started offering online computer repair services throughout the state, with the help of very advanced technology known as “remote computer repair” technology. It means that you do not have to take your computer to any repair center; you do not have to wait for your computers to be fixed up and no delays for your computers to get going.

Every repair service will be provided online and virtually without touching your computer system; you never have to unplug or re-plug your computers or no need to move it anywhere. Your computer will be connected remotely through a connection and you will be able to see each and every move of the technician; you may try it yourself afterwards, if the need arises, by watching for the first time. These repair sessions vary in time; they can be of any length from 30 minutes to many hours. All depends on the computer issue on hand. During the session, you will have all the control of your system, if you want to restrict or stop the repair company from accessing any particular thing in your computer you are free to do it. When these repair sessions are terminated, there are no chances and possibilities for the repair company to reestablish the connection, in any condition, until and unless you re-establish it yourself.

The most typical services provided by online Pennsylvania computer repair companies include: virus removal, anti-virus software providing, spyware cleaning, error fixing, web design helps, photo software maintenance, system restore, RAM upgrading, Secure Transfer of data, operating system (such as Windows XP, Windows 7, Windows Vista, etc.) repairs, internet filters, files or data restoring, software backups, etc. Many of the Pennsylvania computer repair companies provide answers to your routine computer issues too; you can always ask for free advices online by chatting to the professionals. You can find all the technical support for your home and business computers online.

Computer Repair Service Industry

Atlanta, the city that is ultra urban and makes up 66% of Georgia’s economy. The city boasts of being one of America’s top cyber cities with a high profile of tech related jobs and services. One such blooming technical industry is Atlanta computer repair services. This is an industry that actually saves people from facing technical difficulties in regards to their computers. If it weren’t for computer repair services there would havoc every time a computer would crash or would get attacked by a virus. With the continuous growth of computer dependent work, computer repair business is blooming considerably.

Atlanta computer repair services are there to help you out with your computing issues and problems. Services are provided to everyone; a student, a home based worker, an office or even a large company. Banks, institutions, businesses, enterprises that rely heavily on computers and technology, also rely heavily on these repair services for fixing of computing problems.

Most of the time computers are reported to have a hardware failure, a software corruption, data loss or virus attacks. Atlanta computer repairs provide hardware upgrading services, installation of software, data recovery options and eliminating virus attacks along with providing you optimal security and protection to prevent further attacks. Not only does the company provides excellent repair services they also have a great customer service. Anytime a customer calls they analyze problems, determine if the customer needs an on the spot fixing or will have to get it done off site; sometimes they also provide customers with solutions online or on the phone. Great customer services are what make Atlanta repair services so reliable and recommended by everyone.

Repair services seemingly cover every problem that you face with computing devices. Power jack repair, laptop repair, hardware upgrade, network troubleshooting, network establishment, configuration, computer maintenance, website maintenance, keyboard replacement, mouse fixing, LCD repairs, monitor repairs, operating system installation, printer problems, cabling/wiring, server problems, server installations, server maintenance and the list goes on! One of the primary specializations of Atlanta repair services is network installation, device setup and network maintenance. Companies mostly hire Atlanta computer repair companies for installing and setting up fire walls, anti intrusion, cable installation, WAN, LAN setups, VoIP, internal databases etc.

Rest assured that you will be provided with excellent services from professionals and experts of the industry. These people are network engineers, system engineers, computer mechanics, computer geeks, IT gurus, server administrators; therefore you can feel safe with your devices in their hands. If you happen to be an expert in any of the computing fields, you too can provide part time services to these companies and earn some extra income. You can work on project basis and earn a good amount of cash for each device and each problem that you fix and solve. This industry has been a source of livelihood for thousands of people. You can easily form your own group of computer repair services and offer services in your local area thus gaining fame as well as cash; because this industry is booming and will never stop growing.

HVAC Repair Service Costs

A fully functional heating and ventilation system is a must for any home. You can have the best interior design with the most expensive furniture, but take away a good HVAC and all the glamour disappears. Maintaining and keeping your ventilation system working takes a bit of time and investment. Listed below are estimated costs for AC repair and heating repair services:

Flat Rates for HVAC repair services (Service Call Cost)

Yes. There’s a flat rate. When you make a call to a heating and air conditioning contractor, an acceptance fee is set. This will set you back around $50 up to $130, depending on the contractor’s usual rate. Residential air conditioning repair in Tampa is somewhere between $65 and $100. Heating and air conditioning contractors call this a “service call cost.” Flat rates also depend on certain factors such as (1) Peak seasons, (2) Is it daytime or nighttime? (3) Are you a regular customer? and (4) Location.

A/C Repair: Switches and Capacitors

Replacement of parts would be the usual call to action for this service. You’ll be paying for the labor and parts so prepare to spend around $49 up to $150. Some spares are more readily available than others; which means they come cheaper as opposed to non-local brands or high-end units. Heating and air conditioning contractors in Tampa usually try to diagnose the problem as early as the phone call but all spare parts will be brought to reduce extra trips back to the shop.

Broken Fan Motor

This type of HVAC repair service is more laborious and will definitely cost a lot more. Estimates gathered from several Tampa air conditioning and heating contractors indicate costs of around $290 to $500. Since you’re paying by the hour, one has to note that fixing this part of the HVAC system takes an hour or more, plus, in cases where parts need to be replaced, additional costs are to be expected. Residential air conditioning repair shops in Tampa will also charge a bit more during the summer.

HVAC repair for compressor damage

A broken compressor can mean trouble, both for your ventilation system and your pockets. A/C repair for this part reaches up to $1200, depending on how serious the damage is. Minimum cost should be around $650. Units that are more than a decade old are recommended to replace the entire system because all the rest of the parts will prove to be problematic as well. Several residential air conditioning repair shops in Tampa say that you’ll be spending more in AC repair services on an old unit as compared to just purchasing a newer model. In addition, an old unit can cause health and environmental hazards too, especially those who still use old formulas for Freon.

Pump and Drain Line Cleaning

Such a minor HVAC repair service will cost around $70 to $130. Maintenance of HVACs require at least once a year cleaning to check for mold build ups and anything which can cause clogs. Heating and air conditioning contractors recommend you do a general cleaning of your units during spring.