Direct Payday Loan Lenders Say “Yes” To Subprime Credit Scores

Did you know that over 61 million American consumers have a “subprime” credit score? A subprime FICO score is one that is under 640 according to the three major credit reporting agencies. Having a less than perfect (or even decent) credit score can be due to a bevy of different reasons: job loss, health issues, divorce, or the mismanagement of finances. For many people it’s the last of those and is a direct result of over borrowing and overextending one’s budget.

Direct payday loan lenders understand that for whatever reason a person has subprime credit, we all make mistakes. They also know that bad credit comes with a price which can mean paying higher interest rates on credit cards, mortgages and car loans, as well as being turned down for credit and even the loss of employment opportunities. That is why they don’t look at a person’s credit score when applying for a payday advance loan. Taking out a short-term loan for a cash emergency is fine and will not affect your credit but you still need to consider how you are going to rebuild your credit score and get out of the sub-prime category to afford yourself more financial borrowing opportunities in the future.

The first step is knowing where you stand in regards to your FICO score. You can do this by ordering a copy of your credit score from the three major credit bureaus: Transunion, Experian, and Equifax. Each American consumer has the right to one free copy of their report every year. You can request your report either online or calling directly. Unfortunately, you will have to pay to get your FICO score with your report but it’s worth it because it is what defines your credit worthiness. The three reports may vary depending on the bureau and will change over time as your credit history changes. Once you receive all three, go over them individually to check what has been reported and to make sure everything is accurate. Mistakes on your reports can be costly and affect the future of your credit so it’s vital you check to make sure everything it correct. If you find something that you feel is not accurate, it is important that you immediately dispute it with that particular bureau. With your report should come a form that allows you to do so.

Assuming your credit score needs some help, it’s important that you take action to rebuild your score and correct any mistakes that are on your report. It’s not going to happen overnight, in fact it could take months or years, but be patient and remember that you are tworkingo secure your future credit worthiness. While paying off your payday loan will not cause your score to go up, it will prevent you from paying extra in interest and fees as well as free you up to start paying off any other high interest loans or credit cards. Once you start doing this, your credit score will get a boost. Keep in mind that although payday lenders don’t run your credit and don’t report it when you are repaying, should your loan go into default, a third-party collector may take over your account which means there is a chance they will report it to the credit bureaus. Call your lender right away if you are not able to make your payment.

In the meantime, continue to check your credit report(s) to be sure your efforts are reflected in your score. If you see something that is not accurate, be sure to report it. Not only do you want to pay attention to mistakes regarding debt that you have incurred, but also want to make sure there you are not a victim of identity theft or fraud.

Count Down To The Hottest Game Of The Year Enemy Dawn

photo_11This years marks the 75thAnniversary of the Nazi invasion of Poland on Sept 1, 1939. This event led to World War Two and is being commemorated with a new war game called Enemy Dawn. Enemy Dawn is expected to debut internationally in the Apple store for ipad and iphone on July 22, 2014. The game storyline is realistic as these events actually happen. As a soldier in the Polish Army, you must command a mobile rocket launcher to defend Poland against an onslaught of enemy weapons. You engage against panzer tanks, Ju-87 stuka aircraft streaking loudly across the sky, and enemy warships. Enemy Dawn is a nonstop action game that will fully immerse you in the war of good versus evil.  Enemy Dawn has five levels of exciting game play. In level four of the game you have you engagie in combat against the famous German Battleship Holstein which is believed to fire the first shots in the war.

Enemy Dawn is unique in that it’s a game with real history to it. Throughout the game, you receive messages from the Polish Prime Minister at the time Wladyslaw who sends battlefield messages. There is badge awards that promote you as you advance with points. Enemy Dawn is a 2D game with stunning graphics. The game was created by Simplus Technologies which had success with other apps such as turbcast. Simplus Technologies Group have outdone themselves  when it comes to the story and the graphics. The Enemy Dawn app game is poised to be the most popular game of 2014. We encourage you to checkout our trailer videos on YouTube at

What Is Errors and Omissions Liability?

Errors and Omissions liability is a policy that can be bought as an add-on to general business insurance cover, alternatively it can be bought on its own if required. It is this type of insurance that is usually bought to create protection for a business or a single person from claims or suits which can arise from services that weren’t correctly or fully fulfilled, alternatively it can cover mistakes and failures too. In the US, the commonest forms of these policies are the professional and malpractice insurance covers – this trend is very similar to most countries that do international business or have a strong group of consultants ready for hire.

The rationale of this insurance is to protect the business or an individual if and when financial harm is caused to a client because of a mistake or error on the part of the insurance policy owner. Errors and omissions liability will pay for court defence costs, as well as the settlements arising from court judgements. For those people, small businesses or even large corporations it can protect from frivolous lawsuits that can cost large amounts of money to defend against. In theory these sorts of insurance holders could potentially go into administration or bankrupt from these cases without the correct insurance.

Errors and omissions liability is needed by professionals or anyone who provides services to a client or customer for a fee -this can include professionals such as doctors, accountants, lawyers, dentists and others. The insurance coverage is needed for some less obvious businesses as well such as advertising companies, wedding planners and also publishers. Those people who are employed as consultants (both medical and business consultants) will need this insurance as an absolute certainty.

Businesses as well as individuals can get varying amounts of coverage for errors and omissions liability policies dependent on is required by the policy holder. The majority of policies that are issued to individuals and businesses also have a claims-made provision. This provision says that a policy only covers services that were done and actioned within the term of the policy. The policy will also only provide payments for claims that were made during the policy term as those outside of the term are invalid.

The ideal point in which to make sure you have errors and omissions liability covered is before the chance of issues or risk can occur. This would mean that it makes sense to purchase a policy before the business or consultant provides a service to clients and customers. A large proportion of businesses and corporations stipulate through their HR department that employees will require a form of full coverage to already be in place before contracting their services to potential clients.