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Technical payment gateway Support -Brief information

A technical support is a team that offers all kinds of technical assistance related to software problem. The engineers are available for day and night and even on holidays. So if you face any problem while working on your computer, you may contact them and they will surely help you in getting assistance. These numbers are operated by tech support to listen to problem that customers are facing and to offer best response to it. They have a toll free number and with many companies, many numbers are available so it gives an option to get the services from the right company. The reason why they are getting popular is that they offer cheap services too. We found this service which is pretty amazing for small businesses to get payment gateway and shitft payments online.

Need a payment gateway for tech support                                                  

Payment gateway is one thing which is a promising start for the people. They can actually get benefits out of it because through this option, online payment is simple and convenient. Most of the people are using payment gateway these days primarily to pay for anything. Just as paying for different purpose, you can also pay for your services you received from the software company for your technical support. Payment gateway for tech support is important as the whole business depends upon the transactions.

With various websites available in the market, it gives an opportunity to the people to take services through reliable and authentic company. The customer representative does have all the knowledge and information about how to solve the problems of the customer. Thus, the technical support team is available in the backend to provide assistance to the users. They first of all take the problem of the customer and diagnose it at the end offers the best possible results to their problems.

Selection of the service package

After you make the selection of the service package, you can then choose the payment option which you are looking to go for. Paying through payment gateways is easy and secure too. You can also use one payment gateway of PayPal if you are paying in international currency. Once the payment is confirmed from the department, you will be redirected to the technical department who will understand your problem before going over it and offering their valuable suggestion to it. They offer instant resolution in many cases.

Know first about the companies

With the growing companies in the market which are offering technical support to the people through online mode, it is important for the customers to know first about the companies before taking their services. The reliable and experienced companies is to be selected among the list which can offer betters services. Also, you can check the companies by entering your information over search engine. This is easier to know about the companies. Many of the companies are sister companies of those companies which manufacture computers and peripherals in the market. Few of them are globally offering their technical support once they receive the payment.

Beware of the fraudulent practices which are common in this field while taking services through the online technical team. You may also ask from the representative about the company and more details if you are having any doubt on them. Only the tailor made companies in the market are catering large number of customers. Due to this reason, many companies are also involving these tech support companies to resolve their issues. It is really an interesting service that you can get at a lower cost. However, there are many membership options also available where you can get maximum services by paying less.…

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Do “Credit Builder” Features Work?

Here’s one of the catch 22’s of credit repair. Many people with really bad credit scores, or even no credit score (folks with “thin files” or “no files”) don’t have a chance to easily build or improve their credit score. So what can they do? One option is to use a prepaid debit card with a “credit builder” feature. Do these work?

To figure out if a prepaid debit card’s credit builder option actually builds your credit, let’s first look at how they work.

The main innovator in providing a credit builder feature to a prepaid debit card is AccountNow (they provide an excellent product in their AccountNow Prepaid Debit Visa Card). Here’s how AccountNow’s credit builder works. If you pay recurring bills (like your utility bill, or your rent) using your AccountNow debit card, AccountNow will report your regular monthly payments to an alternative credit bureau known as “PRBC” (which stands for Pay Rent, Build Credit).

PRBC, in turn, compiles a credit report for you based on these regular payments. If you pay the bills on time, you can build a decent credit history. PRBC then provides this alternative credit report to other companies.

Here’s what PRBC has to say about it’s service:

Pay Rent, Build Credit, Inc. (PRBC) is a subsidiary of MicroBilt Corporation. PRBC is an FCRA compliant credit repository established to serve the approximately 100 million US consumers lacking a traditional credit history. PRBC offers the PRBC Report with FICO® Expansion® Score, a consumer credit file and score based on a consumer’s history of making rent and other recurring bill payments. The PRBC report with FICO® Expansion® Score provides business with the credit file and score necessary to demonstrate a consumer’s creditworthiness when applying for housing, credit, insurance, and employment.

So, does this service work? We haven’t heard any specific evidence that it does work, however, if you are in a situation where you have no credit file (or a very thin file), almost ANY positive items in your record should help.…

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Credit Repair Companies Fined in Louisiana

Here’s some good news for those of us who use credit repair services—the Federal and State Regulators are looking out for us! Here’s a story about a fine imposed by the State of Louisiana on some unscrupulous credit repair firms.

Here’s a quote from an article reporting this story:

An Ascension Parish credit repair company must pay $13,500 in civil fines, attorney’s fees and court costs to settle an unfair trade practices suit brought last month by the Louisiana Attorney General’s Office.

Attorney general’s prosecutors had obtained a temporary court order July 2 to stop operations of Next Step Credit of LA LLC and a related corporation because the credit repair company did not have a required $100,000 surety bond filed, state District Court records say.

The office of Attorney General Buddy Caldwell brought suit against the firm July 1 in 23rd Judicial District Court because the business continued to operate after receiving a previous cease and desist order over the bond, Assistant Attorney General Charles Braud Jr. said Tuesday.

The Credit Repair Services Organizations Act put credit repair under Attorney General’s Office oversight in July 2008 and requires surety bonds be filed with the office.

The action was not as a result of complaints by Next Step Credit customers, state and Next Step attorneys said.…

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A Quick Check To See How Credit Reform Is Going

There’s a fascinating study by the Center For Responsible Lending (CRL) that was just published. It takes a look at how credit card issuers have responded to the new Federal Reserve rule changes announced in late 2008. The news ain’t too good….

Here are a few quotes from the study (made by Joshua M. Frank, a senior researcher at CRL):

We took a quick sampling of credit card issuers’ recent activities to see how they have responded to the Federal Reserve rule changes that were announced in December 2008 but won’t take effect until July 2010. We found the top eight issuers, who account for 80 percent of credit card balances, are raising interest rates on a larger portion of customers than usual and increasing the number of fees they impose. The new Fed rule will ban some but not all of these activities.

Perhaps most notable is what these issuers—Citigroup, Bank of America, JP Morgan Chase, Capital One, HSBC, Discover, American Express, and Wells Fargo—have not done. All continue to apply a customer’s monthly payments to the least costly balance first, leaving the most expensive to continue to grow. None have changed their policy of imposing interest rate hikes for any reason, any time. Additionally, there is no evidence that any of these companies has expanded the period of time between when monthly bills are sent and when late fees apply.

So much for the voluntary adoption that legislators hoped for. I guess we’ll have to wait until next summer to see any real reform.…

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Credit Card Issuers Get Tighter—Advanta To Yank Future Use of Some Business Cards

The move is a desperate move to weather the economic problems of 2009.  Here’s what Advanta Corp. is doing:  They are closing their small-business customers’ credit cards to new charges after June 10.  That’s right.  If you are a small business, and if your primary business credit card is one issued by Advanta…. you are screwed.  Better start shopping for a new card, because your cash flow management is about to take a major hit.

The move by Advanta will affect nearly one million accounts.

Phil Browne, Advanta’s chief financial officer, said the goal was to “maximize capital and liquidity so we have the opportunity to pursue businesses, credit cards and others, in the future.”

Maybe Advanta should have been a bit more proactive in managing their risk.  The losers here are going to be the million small businesses who trusted Advanta with their business.…

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Credit Card Rights: Disputing Credit Card Billing Errors

Have you ever opened your credit card bill and been shocked to see an unexpectedly high balance due?  Maybe the balance is higher than you know it should be.  After going over the bill with a fine tooth comb you that there is either an unauthorised charge, or a billing error that led to the higher than expected balance. You feel a little better, but now this errant charge needs to be fixed. The law is on your side, its time to initiate a dispute with your credit card company.

You do not have to pay the disputed charge when you initiate a dispute, nor will you have to pay interest on the charge; this is to protect your credit history and pocketbook while the dispute is being settled. Don’t put off the dispute for later, do it now, you only have 60 days to initiate the dispute once you receive the billing statement with the error on it.

You must raise your dispute in writing; you will find the proper dispute address listed on your billing statement. Remember that the letter must include the Name and Account Number that appears on your bill, the dollar amount in dispute, and a statement of the reason for your dispute. You may have specific instructions provided by your credit card company on the billing statement, following their instructions may speed the process.

Once you have raised a dispute, the credit card company must investigate and report back to you in writing within two complete billing cycles or 90 days, whichever comes first. In many cases, the charge will be canceled. Often a business will back off rather than risk losing the opportunity of accepting commerce by credit card. Remember you are responsible for paying the undisputed portion of the credit card bill.

During the time that the charge is in dispute the credit card company may not take collection action or report you as delinquent to a credit bureau with respect to the disputed amount. If the credit card company does not resolve the dispute in your favor, it must send you a written explanation and give you any supporting documentation upon your request.…

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