Hearing Health Foundation Maintains 4-Star Charity Navigator Rating and Consumer Reports “Best Charities” Distinction

HHF concludes our 60th anniversary year of groundbreaking hearing and balance research with repeat accolades from Charity Navigator and Consumer Reports.

NEW YORK, NY, UNITED STATES, December 11, 2018 /EINPresswire.com/ — Hearing Health Foundation (HHF) concludes our 60th anniversary year of groundbreaking hearing and balance research with a third consecutive four-star rating from Charity Navigator and a third consecutive designation as a “Best Charity for Your Donation” by Consumer Reports.

HHF’s mission is to prevent, treat, and ultimately cure hearing loss through innovative research. The organization also promotes hearing health through education and awareness programs. HHF funded the discoveries that certain animals are capable of restoring their hearing once deafened, and now works toward replicating this phenomenon in people, while also investigating new treatments and cures for other hearing and balance conditions like tinnitus, Ménière's disease, and auditory processing disorder (APD).

Consistent accolades from Charity Navigator and Consumer Reports affirm HHF’s life-changing work is carried out with financial efficiency, accountability, and transparency. HHF’s Board of Directors and the organization’s endowment cover all administrative expenses, so donations from generous supporters fully fund hearing loss research and awareness.

Charity Navigator’s 4-star rating, its highest possible, signifies that HHF executes our mission in the most responsible way. The score considers program, administrative, and fundraising expenses, fundraising efficiency, Board policies, and the disclosure of financial records. Fewer than 25% of the 9,000+ nonprofits evaluated by Charity Navigator have received three or more consecutive 4-star ratings.

Consumer Reports’ annual list of the “Best Charities for Your Donation” aggregates data from Charity Navigator along with CharityWatch and the Better Business Bureau (BBB) Wise Giving Alliance to identify organizations most worthy of donors’ support. This year, HHF is the only hearing loss focused charity to earn a placement on the Consumer Reports roster.

As HHF enters our seventh decade of funding critical hearing and balance research, we express our gratitude to those who have given their time and financial resources in pursuit of new treatments and cures. We’re thankful to have your support in our efforts to improve the quality of life for millions of Americans with hearing loss.

If you haven’t yet, and are able to give, please consider an end-of-year donation with confidence HHF will work diligently to ensure your contribution matters.

You can learn more about Hearing Health Foundation at www.hhf.org/hope.

Lauren McGrath
Hearing Health Foundation
+1 212-257-6146
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Source: EIN Presswire

Family to Auction Ancestor's 1912 Boston Red Sox World Series Championship Jewelry

Larry Gardner’s 1912 Boston Red Sox World Series Championship player’s watch fob. From a family collection of Gardner’s Championship jewelry. Accompanied by family Letter of Authenticity

Larry Gardner’s 1920 Cleveland Indians World Series Championship player’s pin, only known example. Accompanied by family Letter of Authenticity

Collection also includes Cleveland Indians 1920 World Series Championship player's pin, believed to be the only one of its type ever to reach the marketplace

Because the pieces have come to auction directly from the Gardner family, they have impeccable provenance and authenticity, which is of prime importance to collectors.”

— Michael Russek, Grey Flannel Auctions

SCOTTSDALE, ARIZONA, UNITED STATES, December 11, 2018 /EINPresswire.com/ — After more than a century of care and safekeeping in the same family, a small collection of rare, early-20th-century World Series Championship jewelry is headed for the auction block. Grey Flannel Auctions will present the heirloom jewelry collection as the featured highlight of its online and phone auction that closes for bids on December 19.

The pieces were awarded to William Lawrence “Larry” Gardner (1886-1976), a third baseman and four-time World Series champion who played for the Boston Red Sox, Philadelphia Athletics, and Cleveland Indians. His Major League Baseball career began in 1908 and concluded in 1924.

The jewelry consigned to the auction includes Larry Gardner’s 1912 Boston Red Sox player’s Championship watch fob, his 1916 Red Sox Championship pocket watch, and his Cleveland Indians 1920 World Series Championship player’s pin, which is the only known example to enter the marketplace.

“This is an extremely important selection of early championship jewelry,” said Grey Flannel Auctions spokesman Michael Russek. “Because the pieces have come to auction directly from the Gardner family, they have impeccable provenance and authenticity, which is of prime importance to collectors at the high end, just as it is to every level of buyer.”

Gardner, who attended the University of Vermont and played on the school’s baseball team for three years, was inducted into Vermont’s Athletic Hall of Fame in 1969. After his retirement, he returned to the University of Vermont as a baseball coach and athletic director, serving from 1929 to 1951.

Among the other baseball highlights in the auction is an all-original 1954 flannel jersey worn by New York Yankees icon Mickey Mantle, with attribution to the 1953 World Series. The jersey offered by Grey Flannel is autographed by the legendary slugger and is the earliest all-original Mantle home jersey the company has ever handled. It has been graded a perfect A10 by Dave Grob of MEARS.

Click to visit Grey Flannel Auctions online.

# # #

Michael Russek
Grey Flannel Auctions
+1 631-288-7800
email us here


Source: EIN Presswire

California Lawyers Association names Paula Brunoro-Borokhov Vice-Chair of Young Tax Lawyers Committee Taxation Section

International Tax Law Firm

Paula Brunoro-Borokhov, tax attorney and international legal counsel, will serve tax lawyers that have been practicing for 10 years or less in California.

I am honored to be nominated for this new role. I am excited to be a part of the YTLC to assist and promote the Taxation Section not only within San Diego but throughout the state of California.”

— Paula Brunoro-Borokhov

SAN DIEGO, CALIFORNIA, UNITED STATES, December 11, 2018 /EINPresswire.com/ — The California Lawyers Association (CLA) is a nonprofit, voluntary organization dedicated to promoting excellence, diversity and inclusion in the legal profession and fairness in the administration of justice and the rule of law. Paula Brunoro-Borokhov, who has recently served as the Chair of Young Tax Lawyers Section of the San Diego CLA Chapter, will now be the Vice-Chari of the Young Tax Lawyers Committee of the CLA (“YTLC”).

The YTLC works with regional chapters to provide education and support for new tax lawyers throughout California. The purpose of the YTLC is to provide opportunities for new tax lawyers to further their personal and professional development through participation in Taxation Section activities. Local chapters hold periodic meetings on current tax developments and facilitate educational talks on noteworthy tax topics while providing networking opportunities to meet fellow young tax attorneys and to meet more senior tax practitioners who often speak at the meetings. There are presently chapters in Los Angeles, Sacramento, San Diego, Silicon Valley and the San Francisco Bay Area.

Brunoro will participate in the various taxation-specific educational programs organized by the committee and serve as an extension of the Taxation Section to the Young Tax Lawyers Section. Her guidance and participation with these committees will also help her serve the greater legal community in San Diego where her practice operates.

“I am honored to be nominated for this new role. I enjoyed serving as the Chair of the Young Tax Lawyers San Diego Chapter for the past 2 years and I am excited to be a part of the YTLC to assist and promote the Taxation Section not only within San Diego but throughout the state of California.”

About Brunoro Law, APC
Paula Brunoro-Borokhov is the principal attorney at Brunoro Law, APC, a leading international tax law firm located in San Diego California. Brunoro received her J.D. equivalent from the Faculdade de Direito de Vitória in Brazil, graduating Summa Cum Laude. She obtained her LL.M degree in Business and Corporate Law from the University of San Diego and her LL.M in Taxation from the New York University School of Law. Brunoro has been recognized by both the San Diego Daily Transcript and San Diego Business Journal for her legal accomplishments and is an active member of the California Lawyers Association.

Brunoro Law specializes in assisting businesses and individuals with business and tax related matters. The firm’s practice areas include but are not limited to: Tax Controversy, Collections, Planning, International Tax, and Corporate law with a specialization in representing clients from or with business in the US and throughout the world. Contact the firm to receive more information or request a consultation from Paula Brunoro-Borokhov.

Paula Brunoro-Borokhov
Brunoro Law, APC
+1 619-394-8681
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Source: EIN Presswire

LIFESTART LAUNCHES NEW SITE IN PORTLAND AT THE HISTORIC MEIER & FRANK BUILDING

CHICAGO, IL, UNITED STATES, December 11, 2018 /EINPresswire.com/ — LifeStart, the country's largest multi-tenant corporate fitness management company, announced today the grand opening of the ultimate wellness club located inside the newly modernized Meier & Frank Building in Portland, Oregon. Originally built in 1909, the historical building covers a full city block and is located conveniently in the heart of the city. The Sterling Bay-managed site proves the centrality of amenities in modern multi-tenant spaces, with approximately 14,000 square feet dedicated to special offerings. Amenity services include an expansive bike room, with heated lockers and private changing rooms, a lounge, and of course a full-service fitness and wellness club.

The club features a large group exercise room with Life Fitness IC5 spin bikes and on-demand classes, a cardio and weight room with an Aktiv functional unit, Life Fitness cardio machines, Peloton bikes, and free weight area. The locker rooms feature elegant finishes complete with complimentary fluffy towels and spa-quality products.

LifeStart, which consulted throughout the design and development phase, now moves into the management role, providing on-site fitness professionals, motivating group exercise instructors, and expert trainers to ensure that all fitness needs and goals of the tenants are met. Monthly social events and special classes will be held in the center to further create a sense of community within the building. Candlelight yoga, guided meditation, and live DJ classes are just a few things that members can expect to enjoy in the facility.

The Meier & Frank building establishes LifeStart’s presence in the Portland area. However, the company has been involved with two other design and development projects this year in the city, with plans for a second managed site in 2019 and substantial growth in the Pacific Northwest region in the next 12 months.

About LifeStart

LifeStart is a national corporate fitness center development and management company that operates an ever-expanding portfolio of sites across the country. This site expands LifeStart's portfolio to 78 locations under management.
LifeStart's success has been attributed to its programming and unique staffing solutions, that vastly enhance a building’s amenity services, leading to industry-shattering engagement statistics. With over 27 years of experience, LifeStart has a proven record of developing and operating onsite fitness centers, securing the highest utilization in the industry and creating fun and engaging environments that motivate employees while enhancing a building’s onsite amenities.

To learn more about LifeStart visit www.lifestart.net.

About Sterling Bay

Sterling Bay owns and manages a commercial real-estate portfolio in excess of seven million square feet. They provide fully-integrated in-house resources, allowing them to quickly execute all facets of different real estate transactions, including legal, architectural, construction, and asset management departments. Sterling Bay targets overlooked and undervalued assets in emerging locations and transforms them into high-demand strategic destinations to maximize value. They have actively invested in opportunistic and value-added real estate through decades of changing economic climates, and have consistently achieved strong returns.
To learn more about Sterling Bay visit www.sterlingbay.com.

About KBS

Industry leaders Peter M. Bren and Charles J. Schreiber, Jr. formed KBS Realty Advisors, an SEC registered investment adviser, in 1992, which established the basis for today’s family of KBS-affiliated real estate companies. KBS is one of the nation's largest buyers of commercial real estate and has completed transactions exceeding $38 billion. In 2018 National Real Estate Investor ranked KBS the 8th largest office owner globally.

KBS-affiliated entities have invested in and managed commercial real estate assets on behalf of clients that include large institutions, such as public and private pension plans, endowments, foundations, sovereign wealth funds and seven public non-traded real estate investment trusts (REITs). In late 2017, KBS launched KBSDirect.com, providing investors direct access to institutional quality commercial real estate via a KBS-sponsored Real Estate Investment Trust.

KBS’ headquarters are in Newport Beach, CA, with other offices in New York and Washington DC. KBS is structured with two regional presidents and their respective teams of asset managers and analysts, backed up by financial and administrative teams totaling over 180 people. Assets under management by KBS-affiliated companies exceed $11.2 Billion as of September 30, 2018.

To learn more about KBS visit www.kbs.com.

Laura Cieplik
LifeStart
+1 630-780-9458
email us here


Source: EIN Presswire

With New Expansion, Another Monday Introduces RPA to US Market

RPA technology provider to build on deployments in the communications sector

NEW YORK, NY, UNITED STATES, December 10, 2018 /EINPresswire.com/ — FOR IMMEDIATE RELEASE

Another Monday (AM), announced today their expansion into the US after more than a decade in the European market. AM is the world’s only provider of scalable, interoperable and rapidly implementable controls of Robotic Process Automation (RPA) bots.

In order to better serve its customers and expanding global market, Another Monday (AM) announced today a significant investment with IT Capital, LLC to form Another Monday Communications Americas, LLC (AMCA), as its first investment in the USA.

“Another Monday Communications Americas’ [AMCA] distribution network and industry experience will dramatically increase our market penetration and the scale of our customer success”, said Hans Martens, CEO and Founder of Another Monday.

AMCA is currently offering a no cost RPA assessment before February 31, 2019. AM Ensemble, is AMCA’s toolkit that drives RPA solutions from Feasibility Assessment to go-live. Delivering the most scalable Robotic Process Automation solution, AM Ensemble, is currently available in the RPA space.

About Another Monday
Another Monday was founded in Cologne, Germany in 2005 and now offers locations in North America. Another Monday is one of the Top 15 companies in the world providing robotic process automation (RPA) solutions. Specializing in the telecommunications industry they have implemented over 6,000 bots and automated over 1 billion transactions. Another Monday has the largest bot farm in the world, located in the largest telecommunications organization with over 2000 bots to date – encompassing 1,500+ virtual employees. Another Monday represents cutting edge technology in process automation encompassing the industrial sector.

Corporate Contact – Cassandra Watts: E-mail: cassandra.watts@anothermonday.com, Phone: 410-266-5781.

Cassandra Watts
Another Monday
+1 410-266-5781
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Source: EIN Presswire

NEW LUXURY BRAND LAUNCHES UNIQUE LINE OF FASHION RAIN PRODUCTS

The RainBear Handbag Trench Coat Offers Protection from Rain and Snow

Lawyer-Turned-Entrepreneur Launches The “RainBear ®” Trench Coat for Handbags Designed to Offer Protection in Rain and Snow

NEW YORK, NEW YORK, USA, December 10, 2018 /EINPresswire.com/ — RainBear’s® parent company, Royal Palm Enterprises, has launched its innovative and exclusive line of trench coats for handbags. These luxury products are designed to appeal to the woman who collects fine handbags but wants them protected from rain, snow, mud and other hazards without sacrificing style. All Royal Palm products use the whimsical trademark “RainBear ®.”

When a purse is placed in this protective cover, it appears to be wearing a trench coat much like its owner’s classic trench coat. The RainBear protective trench coat is manufactured in New York’s Garment District using only the finest materials. Its protective fabric is imported from Italy and components come from Switzerland.

“The RainBear protective trench coat has been my passion for several years.” said Celeste Brown the founder and owner of Royal Palm. “I have worked with skilled designers, suppliers and manufacturers to create a product which would protect my treasured handbags. I knew that other woman also wanted a stylish product that could be used in all types of weather.”

The RainBear trench coat uses a unique combination of quality magnets and trench coat style closures to fit and protect most handbags. It can also be used wherever a quality purse needs protection, including in sports arenas, airports or boats. The RainBear design is protected by several U.S. Patents.

At www.rainbearusa.com Royal Palm also offers its luxury Italian-made umbrella. The umbrella is designed to withstand the strongest rain shower.

“This is a venture which is devoted to the finest quality rain products for the woman who only wants the best.” said Brown. The RainBear brand products are sold exclusively on the www.rainbearusa.com website and can be followed on Instagram at rainbearusa.
A video of the RainBear products can be found at the firm’s website www.rainbearusa.com.

Royal Palm Enterprises LLC is a New York-based entrepreneurial venture concentrating on rain products for the fashionable woman. Celeste Brown, its founder, is a trained tax lawyer, who gave up the law to follow her passion. The RainBear registered trademark is a symbol of quality products, with just a hint of playfulness.
###

Peter Brown
Peter Brown & Associates PLLC
2129396440
email us here


Source: EIN Presswire

Australian based specialist of steel product successfully certified to ISO 9001:2015 with the help of MyEasyISO Software

All requirements of Quality Management System are streamlined on its well-designed modules, and in just a click you will be provided with all the inputs you have made. Wonderful!”

— Quality Manager

VALLEY COTTAGE, NEW YORK, UNITED STATES, December 10, 2018 /EINPresswire.com/ — A company in Australia has been providing innovative solutions to its clients across a range of heavy industries since 1998. As a trusted supply chain partner, this company guarantees the quality of every product they supply. They meet needs with international orders and local stocks of certified products. Being known in the industry as experienced professionals, the key to its success is the comprehensive technical understanding and experience of its team. Their interested parties have confidence in their processes and the products it delivers due to the consultants having relevant industry knowledge. For over 20 years, this company has developed long-standing relationships with global steel product manufacturers and fabricators. To best serve its customers, they hold product stock in key regional locations.

To maintain its good reputation and gain more edge among its competitors, this company has adopted MyEasyISO QMS software. “MyEasyISO is so easy to use and audit-ready. All requirements of Quality Management System are streamlined on its well-designed modules, and in just a click you will be provided with all the inputs you have made. Wonderful!”, said Quality Manager.

MyEasyISO provides the following core benefits:

• A systematic approach to compliance helps the organization to minimize redundancies, optimize resources and costs
• End-to-end capabilities to capture nonconformance and conduct root-cause analysis
• Ability to capture risk, create risk matrices and provides risk ranking
• Ensure workplace safety, identify hazards, and eliminate hazard exposures and dangerous work practices
• Streamline customer complaint management operations, provide better visibility to customers records and aids to improve quality processes to mitigate any further customer complaints
• Ensures effective tracking of key performance indicators
• Allows non-conformance to be accessed and communicated to the team in a much easier
• Enable to initiate, investigate incident management and determine required actions to be taken
• Provides a comprehensive and in-depth view of organizational processes through multiple reports and dashboards
• Global access to documents and records from anywhere around the world can easily access the software

About MyEasyISO

MyEasyISO is a customer first-choice Governance – Risk – Compliance software solution that offers powerful platforms to augment Quality, Environment, Health and Safety management systems. It offers flexible deployment models in the cloud or on-premise for several industries such as aviation, construction, oil and gas, chemical, financial services, healthcare, life sciences, energy and utilities, food and beverage, manufacturing and more.

MyEasyISO helps in achieving ISO certification so you can manage regulations and standards like ISO 9001:2015, ISO 14001:2015, ISO 45001, ISO 17025, ISO 13485, ISO 22000 and many others.

MyEasyISO software is smart enough to know the specific needs of your organization to help you manage ISO compliance smartly.

To find out more visit www.myeasyiso.com or email your queries to info@myeasyiso.com

Sree Vidhya
Effivity Technologies LLC
+1 800-233-1425
email us here


Source: EIN Presswire

SUNY Offers Students and Alumni Specialized Resources Through the PerksConnect Program

PerksConnect

PerksConnect

NEW YORK , NEW YORK, USA, December 10, 2018 /EINPresswire.com/ — The State University of New York (SUNY) gives students, employees, and their relatives access to top-quality resources to help them save money on everyday products and services. PerksConnect, an exclusive benefit program offered through the university, provides regular discounts in 13 NY regions.

SUNY is a leading institution with hundreds of thousands of individuals currently enrolled and even more participating in continuing education and instructional activities. They currently provide unparalleled instruction and services to over a million people across 64 campuses, and the PerksConnect program is one of many ways the institution makes such a large impact across a broad range of students.

The mission of the university is to provide “educational services of the highest quality, with the broadest possible access, fully representative of all segments of the population in a complete range of academic, professional and vocational postsecondary programs.” SUNY accomplishes this by offering a geographically distributed system of campuses that host hundreds of high-quality courses. This comprehensive educational program aims to meet the needs of all students, traditional and nontraditional alike, while simultaneously addressing local, regional, and state needs and goals.

Millions of people have taken advantage of SUNY perks, saving money and gaining access to higher education resources not available to most students without an outstanding free. PerksConnect links students, alumni, employees and their family members to available discounts and exclusive deals within their specific regions. The SUNY Perks Card can be used to save money on everyday needs and even entertainment or shopping expenses. Higher education is a large expense, and shaving off the extra costs of things like car repairs, food, and home and professional services can mean a world of difference to students.

SUNY is able to meet the diverse needs of its million-plus students by making PerksConnect accessible online and in smartphone applications, allowing discounts to be accessed on the go. Students and alumni can acquire discounts by presenting their physical Perks Card or mobile app coupon at the time of purchase.

PerksConnect helps students tackle daily finances as well as keep up with their health by offering exclusive discounts and benefits at regional medical facilities. General and specialty health care is offered at a reasonable cost in supported hospitals, clinics, and programs as well as through networks and joint relationships with top health care providers. In this way, SUNY and their PerksConnect program empowers students to focus on furthering their education while leaving as much worry over costs and bills behind. It also opens the door to unique and highly-advantageous benefits for SUNY employees.

Within each region supported by SUNY are special offers for everyday purchases in addition to more specialized items. Students, alumni, employees, and family simply set up their member profile in the PerksConnect online system to begin accessing their savings.

And as easily as that, SUNY offers a range of savings that allow students to focus on their studies and employees to excel in their profession, saving them precious money in the long run.

Chris Hinman
Web Presence, LLC
+1 7578803579
email us here


Source: EIN Presswire

Tejal Kaji of TJK Coaching to be Featured on CUTV News Radio

WEST HARRISON, NEW YORK, UNITED STATES, December 10, 2018 /EINPresswire.com/ — Exemplary leaders are categorically necessary in order to run organizations and businesses effectively. But many people in middle management may lack the skills, self-assuredness, and conviction to qualify for a position to run things effectively and efficiently. How can they advance if they are not quite competent or experienced to become fit leaders?

Tejal is an outstanding Leadership coach and Human Resource Consultant.

“My focus is working with men and women, generally in middle management,” says Tejal. “With my coaching they can effortlessly acquire the skills and find their voice. Which will give them the much needed confidence to step into pivotal leadership roles and empower them to achieve success.”

Prior to starting in her coaching work, Tejal began her career as a social worker mentoring troubled adolescents. She worked to understand how their behaviors and actions affected their lives and the world around them. She then went on to support adults struggling in the workplace. When she began a position in Human Resources Tejal realized her knack was ideally in coaching when workers continually sought her out with questions about their role at work and how they can communicate effectively with colleagues. She realized her true passion and skill were in managing people and reframing situations to help people achieve the best possible outcome for themselves and their organizations.

“I wholeheartedly enjoy helping people discover their inner greatness,” says Tejal. “Who we are tremendously impacts those around us so we should always leave an indelible and positive impression. It’s extremely gratifying and rewarding encouraging people to discover the leadership qualities within them and experience tremendous overall growth.”

Tejal expertly assists clients who are seeking to advance or make changes in their careers. Through her H.R. consulting work she performs assessments to determine how they interact with others and how others perceive them.

“What makes an exemplary leader is having compassion for your workers,” says Tejal. “Even if one’s job is demanding or grueling if your boss is sympathetic and supportive it motivates employees to be totally productive.”

Tejal’s emphasis is on coaching Senior Level managers and directors since they are the ones stepping into the CEO role and unquestionably require role models. Her one on one coaching and individual sessions are done over Skype or phone and she works with clients for a minimum of 3 months. She also works directly with organizations to help their teams work better together.

According to Tejal, coaching teaches people to be who they are authentically while accepting that they have valuable ideas, viewpoints, and can share them to create effective impact.

“I’m extremely proud to be graced with the natural skills to recognize who people are and help them find their self- confidence,” says Tejal. “It’s absolutely our responsibility to cohesively step into our roles as great leaders and build a more compassionate world.”

CUTV News Radio will feature Tejal Kaji in an interview with Doug Lewellyn on Wednesday December 12th at 2 p.m. EST.

Listen to the show on BlogTalkRadio

If you have any questions for our guest, please call (347) 996-3389.

For more information on our guest please visit www.tjkcoaching.com

Author: Beatrice Maria Centeno

Lou Ceparano
CUTV News
(631) 850-3314
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Source: EIN Presswire

Tamica Montilla Shares Some Truths That Credit Repair Companies Can't Get Away With

Tamica Montilla has over 10 years of business consulting and counseling in matters of personnel law, business commerce, consumer laws and finance laws.

NEW YORK, NY, USA, December 9, 2018 /EINPresswire.com/ — Tamica Montilla reposts that consumer debt is at an all-time high, and more than one out of every 120 households in America has had someone file for bankruptcy. As a result, many consumers may have difficulty obtaining credit because of negative items on their credit reports.

Unfortunately, some credit repair businesses try to take advantage of consumers' credit problems by promising to clear up their credit record or to help them establish a clean, new record, charging them high fees for services the business cannot provide. Many of these large businesses make promises once you pay them a monthly fee that must continue for more than a year. The end result is one finds themselves with little to no improvement on their credit file.

Furthermore, even more in debt due to the payments being made to the credit companies.

Montilla states that state and federal laws give consumers the right to have inaccurate information corrected, or information that doesn't apply to a consumer removed from his or her credit report. But accurate negative information generally cannot be removed and is allowed to remain on a credit report for seven years. Bankruptcies remain for 10 years.

Tamica Montilla states that under most state law, "credit services organizations," more commonly known as credit repair companies, are defined as businesses that provide advice, assistance and services regarding improving a consumer's credit record or obtaining a loan or an extension of credit. Their ads typically claim that they can "Erase bad credit!" or "Clean up your credit report!" Although the majority of these companies cannot deliver what they promise, few of the smaller companies seem to deliver more measurable results.

Montilla states that to protect consumers from unscrupulous credit repair companies, many states prohibit these companies from asking for or taking any payment before the promised services are fully performed. Credit repair companies also are required to obtain a $100,000 bond and are registered with the Office of the Attorney General.

A few types of companies, including banks, real estate agents, attorneys, and some non-profit organizations are exempt from these provisions of state law.

Tamica Montilla further lists that credit repair organizations must give consumers they do business with all of the following:

* A written and dated contract with a detailed description of the services to be performed and the total charge for those services;

* A notice of the consumer's right to cancel the contract for any reason within five days from the date of the transaction;

Tamica states that credit repair organizations are generally different from "debt negotiators," although the same company may claim it can provide both services. Debt renegotiation companies often advertise that they will help consumers get out of debt by negotiating with a consumer's creditors to lower interest rates or payments or reduce the total amount a consumer owes. The Federal Department of Consumer Affairs today issued a consumer alert about these types of companies, some of which charge fees up front and then fail to renegotiate debts or pay creditors. For more information on debt negotiation companies and a free legal guide on Credit Repair Services, visit the Department of Consumer Affairs website or contact the agency at 1-800-952-5210.

Tamica Montilla
Tamica Montilla
+1 877-572-5570
email us here


Source: EIN Presswire