Financial Future

Having a bad credit score is not a benefit. It is a total misery because loan lenders will not trust you anymore. They will think of you as bad loan borrower who cannot pay back the debt. They will become very reluctant in letting you to borrow the loan from them. It is because they don’t want to have any difficulties in getting back their money from you.

If you think you have no problem with your debts because you never miss the deadline of the payment, you will never receive a bad credit report. But, there is case when the credit bureaus make mistake in delivering the credit report. They put a wrong score on your credit report. If the score is the good one, it will be your benefit. However, if the score is the bad, such as the minus one, it will be your big loss. If this is happened, you need to immediately visit Ovationcredit.com. This website will help you to fix credit. The website has two programs, which are The Essentials and Essential Plus, for credit repair. Both the programs are assisted by personal case advisors who will guide you in reviewing the credit report and in activating the dispute manager.

You need to visit the website yourself for further information.

Por ejemplo, BBVA Bancomer está enviando cartas a sus clientes que tienen planes de pagos en sus Tarjetas De Credito que “si realiza en pago en sucursales Bancomer, indicar al personal en ventanilla el destino del pago anticipado que realizará, es decir, deberá indicar cuánto de su pago será aplicado a su ‘Plan de Finanzas Ajustadas (PFA)’ y cuánto a su saldo revolvente en caso de tenerlo”.

Más abajo en la carta indican que “si sólo realiza el pago sin especificar lo anterior, el pago anticipado que realice quedará como saldo a favor en su revolvente y será aplicado a las mensualidades del ‘PFA’ conforme se vayan requiriendo mes a mes en los siguientes estados de cuenta, a menos que fuera absorbido antes por nuevas compras”.

El problema es que aquellos clientes que hagan sus pagos a través de otros bancos, ya sea vía electrónica o en sucursal, de cualquier forma se ve obligado a acudir a una sucursal de Bancomer a pedir que tanta cantidad del pago se vaya al saldo revolvente y otra determinada cantidad al PFA.

Sin embargo, de acuerdo con el artículo 10 de la Ley para La Transparencia y Ordenamiento de los Servicios Financieros “en los créditos, préstamos o financiamiento que las entidades otorguen, el pago de los intereses no podrá ser exigido por adelantado, sino únicamente por períodos vencidos”.

A pregunta expresa, BBVA Bancomer aseguró que las nuevas disposiciones para algunos de sus clientes de tarjetas de crédito no violan este artículo.

Pero ¿si no puedes acudir a la sucursal a pedir que se destinen las cantidades, no te están obligando de cierta forma a pagar intereses por adelantado?

Adicionalmente, conforme al artículo 17 de la Ley de Transparencia, los bancos tienen prohibido llevar a cabo prácticas discriminatorias, como “los actos que se realicen para no permitir a sus clientes utilizar la infraestructura de otras entidades o desalentar su uso”.

BBVA Bancomer también asegura que sus nuevas disposiciones no violentan la ley, ¿tu qué opinas?
Para la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (Condusef), al menos sí se le está complicando la vida al cliente para cumplir con el pago de sus adeudos.

La mayor institución bancaria en México, medida por sus activos, aseguró que estos PFA o Planes de Finanzas Personales se están otorgando a clientes en el caso de que tengan “algún problema para pagar su tarjeta de crédito” y no califican como reestructuras.

La Condusef está trabajando actualmente en una nueva regulación que permitirá a los usuarios antes de que termine el primer semestre del año, enviar un oficio a su banco para avisar al banco que se quiere cancelar la tarjeta y dejarla en un régimen que se llama “terminal”, esquema que se puede utilizar cuando se quiere cancelar el plástico, pero no se tiene el dinero para saldar el adeudo de inmediato.

Esta nueva disposición evitaría que los bancos puedan cobrarle más comisiones al deudor.
El caso de BBVA Bancomer es sólo un ejemplo, algunos meses atrás vimos el caso de un deudor de Santander, quien tuvo que acudir a la Condusef para que le respetaran lo prometido.

¿A ti, con la institución bancaria con la que tienes tu tarjeta de crédito te facilitan o dificultan el pago de tu deuda? ¿Ves conflictos entre lo que te dicen en la atención telefónica y lo que te dicen en sucursal? ¿Has logrado que te atiendan o te resuelvan los problemas? ¿Cómo calificas el servicio que te dan como cliente? ¿Qué quieres decirles a los directivos de estos bancos?

Do you know that all your financial activities are recorder in a record maintain by the government called by credit report. In credit report all your activities related to your financial are recorder like when you are applying for a loan in a bank, applying for credit card, or even when you are making late payments of one of your debts.

If you think that credit report is just to record all your financial activities without any purposes, you are wrong. Credit report is used as the reference for the creditor if you want to make another loan. If you have bad records in your credit report, there is a chance that your application will be accepted. But nowadays, with the help of the credit repair company like RepairYourBadCredit.com, you can repair your credit report.

Credit repair service will erase or repair the bead records in your credit report so that you can apply for another loan. The debtors will no longer finding any negative items in your credit report and will gladly granted your loan application. But, the fix credit service is not the solution if you already have many debts. The only solution for that problem is just to repay all the debts and try to live without any debts.

You might think that your paycheck can cover all your expenses. However, emergency needs can come in anytime. You might get sick or have an accident that forces you to see your doctor. You will have to pay your medical bills. You might not put it on your monthly budget and your run out of cash money to pay your medical bill. You end up taking money that is meant for your credit payment to cover your medical bill. When the due date of your credit payment is about to come, you already run out of cash to pay it.

You might feel like you do not have a solution for this situation. If you borrow money from your friend, you only transfer your financial problem to your friend’s life. If you only need to get small loan, you can get it in the right lender company. In Los Angeles, you can find numerous offers on cash advance. You can start your Los Angeles cash advance application in anytime. Whether you go to the cash advance store or you log on to the website, you can still complete your application within minutes. The lender company will call you right away with the answer for your application. Your Los Angeles payday loan is ready in your bank account on the next day.

This simple process will help you to get enough money to pay your credit payment. When you receive your next paycheck, this website will send the payment instruction for your payday loan. You can send your payment from your bank account. You can find numerous offers of Los Angeles payday loans. Most of these offers have the same requirements. It will give you small loan within one day through simple application. It is enough to help you on your financial crisis.

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If you are getting delay on payment then you can fill after a month which will be free of cost and also you can skip two months if you are unable to fill all installments, or also you can find va refinance loan to fill the installment of va loan network.

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