Archives: 2007 September

“During the winter of 1616, Shakespeare summoned his lawyer Francis Collins, who a decade earlier had drawn up the indentures for the Stratford tithes transaction, to execute his last will and testament. Apparently this event took place in January, for when Collins was called upon to revise the document some weeks later, he (or his […]

The growth in electronic banking and electronic commerce, and the increasing use and reliance upon proprietary or confidential information by businesses, government and educational institutions that is remotely accessible by many users, has made information security a paramount concern. We believe that enterprises are seeking solutions that will continue to allow them to expand access […]

Data and financial asset security, and secured access to and participation in on‑line commerce, generally consist of the following components:
·         Encryption: Maintains data privacy by converting information into an unreadable pattern and allowing only authorized parties to decrypt the data. Encryption can also maintain data integrity by creating digital signatures for transmitted data, enabling the […]

This Annual Report on Form 10-K, including “Management’s Discussion and Analysis of Financial Condition and Results of Operations,” contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 concerning, among other things, the prospects, developments and business strategies for the Company (as defined) and its operations, including the development and […]

Settling some old debts can actually harm your credit score. Here’s how to do the right thing the right way.
Cynthia worked hard to improve her credit scores. She was careful to pay her bills, including an auto loan and a credit card, on time every month. Finally, in December 2004, she decided to pay off […]

1. No new debt, you do not want to inquire any new debt during this process as it will only make paying your current debt off even more difficult.
2. Having to many inquiries on your credit report can lower your score, so during this process don’t apply for any credit or allow anyone to run your credit […]

Bankruptcy information can be reported for 10 years.
Information about a lawsuit or judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
Information reported because of an application for a job with a salary of more than $75,000 has no time limit.
Information reported because of an […]

The truth is, you can help yourself re-build a better credit record. Start by contacting your creditors when you realize that you cannot make scheduled payments. If you need help working out a payment plan and a budget, contact your local credit counseling service. These non-profit groups offer credit guidance to consumers, and their services […]

Some credit repair schemes promise you that they can “hide” bad credit by helping you to establish a new credit identity. If you pay a fee for such a service, the company may direct you to apply for an Employer Identification Number (EIN) from the Internal Revenue Service, and to use the EIN in place […]

If a credit repair company tells you that it will be able to remove negative information from your credit report, the company is not telling you the truth. Accurate information which is within seven years of the reporting period, or ten years if the information relates to a bankruptcy, cannot be erased from a credit […]