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Archive for the ‘Credit Repair’ Category

Credit repair is the process of fixing your current credit standing to make things favorable for you in the future with credit companies and financial agencies. Regardless of what you file, a mortgage, a loan perhaps, or even a credit card, your finances will be checked by the credit card company, bank or agency.

They will determine if you have a good credit standing and checked the financial risks involved and then they will decide if they will grant you the credit that you applied for and site the specific conditions involved if they do decide on your favor. If they approved your loan or credit card application, then that means you have a good credit history. There is no need for a credit repair if you have a good credit standing and stable finances.

However, in order to achieve such standing you better avoid the things that will lead you to a situation where you will be buried by your debts. Practice a simple lifestyle that will give you a sound financial status. The most basic of course is to make sure that you meet the bill payments on time. Your credit card bills would be the first that you need to control and maintain.

If you use your credit cards, settle the credits on time. This will show the credit company that you have no intention of defaulting on your loans and you are a responsible creditor. Credit card agencies will give you a positive credit rating and will give you a good deal on your loans or give you a credit card with a high credit limit.

I can only stress the importance of paying bills on time. It is said that about 30% of your credit score is based on how you settle your debt payments. You will have a better chance of meeting the bill payment deadlines if you create a payment plan where you outline your goals. This will help you pay bills on time.

The information about Credit Repair presented here will do one of two things: either it will reinforce what you know about Credit Repair or it will teach you something new. Both are good outcomes.

Another thing that could help you avoid a bad credit score is by not maxing out on your credit card. Credit agencies determine your credit score also by the available credit you have remaining. Believe it or not having the unused credit increases your credit score. So even if you have credit cards that you’re not using do not close or forfeit those cards.

They can help increase your credit scores. The length of time you have a credit line open in an agency is also interpreted as having a good relationship with that company. This also brings in positive credit rating which is another good reason for you to keep cards unused or sparingly used as much as possible.

Also, do not apply for more credit cards if you already have outstanding card payments to begin with. Every card application will reflect on your ability and responsibility to manage or handle debts. Increasing your credit scores is a good way to reestablish your financial stability for your creditors and future financers as well.

Measure the way you spend and if you find that you can’t control the use of credit cards, then you might think of more drastic ways to alter your lifestyle. A severe intervention might be solution such as contacting your credit card company and lowering your credit limit if they gave you a high one.

Managing your finances to achieve financial stability and independence is necessary to maintain a good credit standing. There is no need for credit repair if you keep within your credit and financial goals.

About the Author
By Anders Eriksson, who just launched this great product..
- Do you want to make Your PDF files viral? Use This Secret Viral PDF Rebrander: Viral PDF

Would you like to find out what those-in-the-know have to say about Credit Repair? The information in the article below comes straight from well-informed experts with special knowledge about Credit Repair.

Credit repair is the only solution when your credit score is not very good. While some people do it on their own, there are those who ask for help. If you need assistance, you should know how to spot if this company is legitimate or not.

The first thing you have to know about credit repair companies is that they are governed by a law known as the Credit Repair Organizations Act. This means you have certain rights that you should know about and any company who violates the rules is probably just a scam.

You can tell if this is a credit repair scam if;

The credit repair company does not give you a pamphlet which states your rights under federal and state laws.

If they have a copy, you must be able to read and review it before you are asked to sign anything.

Upon reviewing the contract, it should be indicated there how much money you will be charged for their services, the services they will offer, the date by which this will be done as well as the name and address of the organization. There should also be a clause in the contract telling that you can cancel the contract within 3 days.

The credit repair company tells you to pay up front for their services even if they have not done anything yet. The law states that they can only be paid after they have done their part in helping you repair your credit.

See how much you can learn about Credit Repair when you take a little time to read a well-researched article? Don’t miss out on the rest of this great information.

If they promise that they can remove anything in your credit report. If this is not possible, they might even say that they will help you create a new federal employer identification number which of course is illegal.

Lastly, the credit repair agency gives you a piece of paper which you have to sign stating that you waive your rights under the CROA or Credit Repair Organization Act.

There are certain things that a credit repair company can do and improving your credit score from their end is not one of them. This is something that you have to do yourself because you are the one that owes your creditors the money.

All they can do is facilitate a deal that is good for both parties like a debt consolidation plan which you have to fulfill.

Should the information stated in your credit report be wrong, again there is nothing you can do because you are the only one that has the supporting documents which prove these issues have been resolved. You may not even need the help of a credit repair agency because you can send a letter together with the documents to the crediting agency.

If it just so happens that the credit repair agency has asked for payment up front, not informed you for your rights as a consumer, want you to waive your rights or tell you to do anything illegal, walk away and report them to the authorities. After that, continue looking for a legitimate credit repair company.

To tell if this company is a scam or not, you can also check with the Better Business Bureau and any other agencies in your area which are responsible for preventing such things to happen. No one wants to be come a victim but when you desperately need credit repair, it is possible.

About the Author
By Anders Eriksson, who just launched this great product..
- Do you want to make Your PDF files viral? Use This Secret Viral PDF Rebrander: Viral PDF

If you’re new to credit card repair, don’t’ despair. It’s not that to understand what this is about. And neither will the instructions and tips here be impossible to figure out. May people think, mistakenly, that so long as they keep paying bills on a timely manner, their credit status will be fine. But sometimes we fall back on hard and harder times, and we miss out on payment and end up with the need to do some credit repair. We all want a good credit status. So the more one knows about repairing one’s credit status the better.

Right now the economy is hurting, credit card companies are feeling the pinch, and the lending sector is frozen solid for people who need to borrow to sustain their needs. Keep that in mind as it maybe a bit harder this time around to pull back from the abyss of having spent so much, much more than one can earn. Here are important aspects of credit repair concept you should know about.

Your credit score. This is not merely another figure. Your credit score is affected by many things and so you try to avoid those that negatively affect it and find out and implement those that improve it. Improving your score can involve some action on your side and from other people who trust you.

One way to pull up your credit score is to persuade some relatives to put you on the list of people authorized to use their credit cards. It’s a good mark on your report when a credit company sees that. That usually means someone trusts you enough to let them use their credit card. That means either financial stability or some discipline in spending.

Your credit reports. You need to be aware of the accurate score, so to speak, of you transactions, from your credit card company or companies. Knowing where you stand allows you to plan ahead and provide you with some calmness in facing the storm, or the rehab process if you’ve spent more than your income and maxed out a few credit cards.

If you don’t have accurate details regarding Credit Repair, then you might make a bad choice on the subject. Don’t let that happen: keep reading.

Usually you are entitled to a free credit report, just ask for it. When you do get it, though, read it cover to cover and try to have a list of questions about what you’re not clear about concerning your report. That will save time in phoning your credit card company and asking questions or talking about your disputes.

Creditors and collection companies. You have to keep the lines of communication open between the people you owe money and the people who collect on their behalf. Doing so is a sign of openness and a willingness to work things out. Besides, the collection company will often take whatever you can give them. So don’t close your doors and hide from them. That would only send the wrong signals and mar your credit status even more. Remember that you’re aiming to repair it, not tarnish it even more.

Identity theft. Some people were victims of this. Someone bought using their names and they had to pay for the consequences. You have to protect vital personal information so that nobody goes around buying in your name. You have to dispute charges you didn’t shoulder yourself. That’s one reason you have to talk to the credit card companies about your free credit reports.

Laws and litigation. You must be aware of ways to legally protect your interests against unlawful practices of some credit card companies and their collection people. That way, you’re prepared and informed and won’t be forced to do things not in your better interests.

If you’re trying to find a way to do the credit repair yourself, it’s advised that you do it yourself and not rely on companies whose tips and efforts you will shell out money for. After all, you don’t want to be scammed.

Remember that the very money you may be using to pay for their services you could already be trying to use to settle existing accounts and maxed our credit cards. It’s best to do some research yourself.

Knowing enough about Credit Repair to make solid, informed choices cuts down on the fear factor. If you apply what you’ve just learned about Credit Repair, you should have nothing to worry about.

About the Author
By Anders Eriksson, who just launched this great product..
- Do you want to make Your PDF files viral? Use This Secret Viral PDF Rebrander: Viral PDF

There is something both the indulgent spenders and those caught up in dire need can both share: the need for credit repair. No one wants to sweep everyone under the rug, of dismissing them as people who can’t plan a budget and stick to it. But the truth is both those who spend indulgently, more so than they can afford, and those with medical bills and family emergencies, both may end up with a bad credit rating. No one wants that.

The immediate thought of some is to look for credit repair solutions provided by some companies, most of which are probably scams. Anyone can improve his or her credit report, in the legal and legitimate way. But what most people want is some here and now instant solution. Naturally, some companies will jump on that need. Hence the proliferation of scam companies. But you can repair your credit standing yourself. Here are four ways to do just that, yourself. No a dime spent or scam involved.

Have someone add you as an authorized user on their credit card. A good and certain way to improve remarkably your credit status is to have your relatives, one or two of them, to add your name as on of the authorized users of the credit cards they actively use. Getting them to do may not be easy if you’re known to them as someone irresponsible, so you’d have to promise them you’re straightening out your life.

The benefit getting your name added to their card’s allowed-to-use list is that this comes off as a positive mark on your credit report. The usual reason is that someone trusts you to not abuse their credit card. Just be sure that the relative you ask to have you added also has a commendable credit history. Otherwise, it’s a little pointless to be added to their list. That would negatively affect your credit status, instead of helping.

It seems like new information is discovered about something every day. And the topic of Credit Repair is no exception. Keep reading to get more fresh news about Credit Repair.

Decide on a spending ceiling on your credit card. Putting a cap on how much you can spend is always a good thing. Having a record that you phoned your credit card issuer to limit your card’s spending limit is often taken as a sign that you don’t want to spend more than a certain limit. The limit is usually assumed to be how much you earn. This speaks of discipline and foresight. Definitely worth doing.

Up the limit on the credit card you’re using. On the other end of the credit card spectrum is increasing your card’s spending ceiling. When you successfully persuade your credit card issuer to jack up your limit, that is taken to mean that the issuer has decided you are trustworthy, which often means your income is stable and can support the needed payments. This will reflect nicely on your credit status.

Complain if you’re paying a student loan. When paying up for a student loan, contact the student loan ombudsman, or the office handing your loan payments. You have to do this before you phone your creditor, because those who provide student loans have to make the payment choices convenient to those who borrow them. If you are persuasive enough, you might be fortunate to have the records of late payments removed from your account. This is a good thing. You want as few bad marks on your credit status, as much as possible.

The tips listed here are not at all exhaustive. You are encouraged to look for more tips in shouldering and pulling off your credit repair yourself, without resorting to paying off a company that offers to improve your credit report or standing for a fee.

As has been mentioned before, most likely they are scams. Visit government and non-government websites, which are non-profit in nature, for more information.

Now you can be a confident expert on Credit Repair. OK, maybe not an expert. But you should have something to bring to the table next time you join a discussion on Credit Repair.

About the Author
By Anders Eriksson, who just launched this great product..
- Do you want to make Your PDF files viral? Use This Secret Viral PDF Rebrander: Viral PDF

Drop that ?I can’t do this alone attitude? attitude. You can do credit repair on your own. All you need is the proper knowledge to do so. Acquiring the information is the key. You need to do some or a lot of research and studying before you tackle repairing your credits, though. The amount of time and effort you will give on this project depends on the foundation of your knowledge on credits, repair and financial management.

The first thing that you will do is get all your credit reports and study them. Credit reports are free so get as accurate report from credit bureaus. Your creditors submit these reports so you should be able to get them with no problems whatsoever. The credit bureaus will usually want copies of the same report so it would be best to make copies for yourself and do action plans using the copies. Looking at the credit reports, correct whatever entries that you think are questionable or incorrect.

This is the time to correct and clarify entries on your reports. Dates, credit limits, and the actual amount owed are the things that you should look closely and make sure that everything is correct. If you find some inconsistencies, write a letter to the creditor and credit bureaus to show that you have some problems with entries in your report. Registered mail is always the ideal situation since you will be sure that they received the letter.

Looking into your credit report, make sure that you evaluate the last 12 months at least. The credit score is determined usually from the last 12 months of your credit history. So it is important that you have made some payments on your debts last year or so to give you a better credit rating. Credit companies never like having default loans. That is why you should always come up with your creditors a doable payment plan so you won’t miss on payments. Review or get back to the original creditor instead of dealing solely with the collection company to ensure that your payment records are straight.

How can you put a limit on learning more? The next section may contain that one little bit of wisdom that changes everything.

After you procure the reports and have ensured that everything is in order, you will then undergo the process of reestablishing your credit rating if it is too low already. This is the actual process of repairing your credit standing. The importance of repairing one’s credit standing lies on the fact that it will dictate future credit and loan applications. Even simple credit card applications and purchase can be affected by present credit standing.

Having a low credit score can mean better loan conditions such as low interest rates and a longer credit term. Needless to say, having a low credit score will definitely make it easier for your financial future. Remember that even basic utilities and even employers are now conscious of credit scores unlike years earlier when banks and credit companies are the main parties concerned.

In repairing your credit standing, you will need to make sure that you pay bills on time. Loans and credit card payments would be the most important thing that should not forget. Creditors will look very closely on how well you meet your financial obligations so make sure that you won’t miss out on anything. The more times you miss paying bills and loan payments the lower your credit score will become.

Nonetheless, you can accomplish credit repair on your own with the right commitment. This is something attainable.

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Even before the recession, there are a lot of people that need credit repair. It’s because these individuals spent way beyond their means and the only way they can have good standing again is to pay for it. There is an opportunity here to make some money especially when you decide to put up your own credit repair business.

Credit repair companies continue to do well because during good times and bad, there are people who will always be in debt. To help you get started, you need to educate yourself first about the in and out of the business so you are able to help the client.

Everything you need to know about the credit repair business can be learned from companies that offer such training. When looking for them, make sure that they are legitimate because there is the possibility of signing up in a program that is just a scam.

Aside from credit repair companies that give classroom training, there are companies which you can also learn from online. They even have a software program that will teach you everything there is to know. Just check if it is worth spending your hard earned money.

The nice thing about a credit repair business is that you can start this at home before shelling out money to rent office space. You can have clients drop by or you have to make the effort to meet them to discuss their financial situation.

But how do you find clients? Starting out, you can ask friends and family for help because they may need your help or they know someone who does. When you talk to a client, make sure they know their rights as a consumer because this is required by law under the Credit Repair Organizations Act.

Most of this information comes straight from the Credit Repair pros. Careful reading to the end virtually guarantees that you’ll know what they know.

You should also explain what you can do and what you can’t because promising them that their credit report will be clean once you act on it is impossible. All you can do is assist in improving their credit score.

Since you are in the business of making money, you have to be patient when working with a client. You can’t expect them to pay you up front. In fact, you are not supposed to ask for money until you are able to help them solve their problem.

A credit repair business or any kind for that matter will have problems especially when you are just starting out. Initially, some mistakes will be made but you should not look at them as setbacks but a lesson learned so you can offer better services in the future.

Aside from making deals between the client and the creditor, it will also be nice if you can offer some advice so they can save money and get out of debt. At the end, this is what your business is all about and if you help them, they will surely recommend other clients.

If it so happens that starting a credit repair business is difficult, another option to help you get in the game is to buy the business from someone else who is willing to relinquish it to you. Can this happen?

Yes because some entrepreneurs may want a change in their careers and want to hand this off to someone who is just as determined as them.

Now that wasn’t hard at all, was it? And you’ve earned a wealth of knowledge, just from taking some time to study an expert’s word on Credit Repair.

About the Author
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What do you do when you have a bad credit score? Panicking will not solve anything and if you can take this problem without any assistance, you can surely do the credit repair yourself.

But how do you do that? The first step is to find out what is written on your credit report. Is everything there correct? Should there be discrepancies, send a letter to the credit agency together with the supporting documents. That way, they can make the changes and this will be reflected on your credit report.

If there is nothing wrong with the report and you have a problem paying your creditors, it is best to inform them at once so they know what is going on and a deal can be struck. To them, they would much rather that you pay a certain amount rather than nothing each month.

This is because even if they can take the matter to court and they do win, you will still not have enough money to pay for what you actually owe them and in the end, they do not get anything out of it.

The agreement you struck must be made in writing so you have something to show in your defense should any problems arise in the future. Since they will keep their part of the bargain, just make sure you do your part.

To do that, you need to create a budget and make sure you are saving enough money to what you agreed to pay. You may have to cut down your shopping expenses and eating out for quite some time. Whatever you earn should be used only for the essentials like bill, gas and groceries.

If you find yourself confused by what you’ve read to this point, don’t despair. Everything should be crystal clear by the time you finish.

Minimize the use of your credit card. As much as possible, pay for items with cash. If you need to use your credit card, monitor how much you can only spend monthly so the money you already owe does not get any bigger.

If you have more than 4 credit cards, try cutting them down to only two. The ones which should go are the ones that have high interest rates and those that were less than 6 months old.

At the same time that you are paying off your debt, it will be a good idea to get a secured credit card to continue building up your credit history. This type of card is unique because you already have the funds in the bank and this will just be deducted every time this is swiped in a card terminal.

Since banks will not give you a loan when you need cash, join a credit union.

You will soon have a good credit rating if you are able to stick to the plan for the next few months or years. Remember, your payment history has the heaviest impact on your credit score.

Credit repair is being able to pay what you owe gradually is much better than filing for bankruptcy. This is because it will be on your credit for the next 10 years so why put yourself in that situation when you can do something to change it now. All it takes is some will power and guts to face it head on.

Remember, you put yourself in this situation so find a way to dig yourself out.

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Accumulating credits have never been a good practice. If someone is feeding you the notion that credits are okay, that it is now an accepted part of finances and a very common practice then stay as far away as possible from that person. Credit is bad, it has always been and will always be. Now another bad thing about having credits is the bad reputation.

It is often the case that people with bad credit history are hounded by credit card companies, loan companies and banks. But the thing is, today utility companies and even employers also frown upon people with low credit scores. This is essentially why you should take care of your credit score and undergo some credit repair if necessary.

I do understand, however, that sometimes having credits is an unavoidable circumstance. An emergency medical expense or your company goes under are just some of the instances that you need to borrow some money for a while in order to live on the daily expenses. But the idea here is borrowing money only on a temporary basis. You need to pay what has been owed as quickly as you can you won’t get too low of a credit score.

You need to do a preemptive strive on your credit score if you do find out that it is already going down fast. There are some techniques to help you repair your credit standing. Some are quite basic that you can practice or should learn to practice more often to improve your scores. Always remember that the more you put on hold repairing your credit standing, the more difficult it will be.

An example of which is by paying your credit card bills or other loans on time. Credit card bills are one of the first things that finance companies look at to evaluate your credit rating. If they find that you have not been paying your bills on the right times, you will get low ratings on your credit scores. Sometimes or oftentimes, people just forget to pay their credit card loans.

Those of you not familiar with the latest on Credit Repair now have at least a basic understanding. But there’s more to come.

Avoid doing so. This can be seen as negligence on your part and seeing you as not responsible enough to plan your finances. Every unpaid and overdue bills are recorded in your credit history which is a negative mark on your credit record.

Another good way to end your endless cycle of accumulating credit bills is to avoid using your other credit cards to pay off other credit card bills. You’re just paying your credits with more credits. This is simply not acceptable. What you should do is work on one credit card bill and after you have paid it off, don’t use it ever again.

The more cards you have, the higher the chances that you use them especially if you have been accustomed to that lifestyle for so long. Get all your credit cards settled and leave just one for emergency use. Credit cards that you don’t use actually increase your credit ratings contrary to some beliefs.

One other way to help your credit score is making advance payments on loans or better yet making extra payments whenever you have the money. What this shows is that you want to do away with your loans as soon as possible and you’re making every means necessary to pay if off way before the loan date matures. It shows you are responsible and you have all the intention of paying back loans. This is a big deal to all finance and credit companies.

Now, you can do all these things if you don’t loan too much at one time. Learn to budget your needs and take out loans only if you have paid off the previous one. Having too many credits at one time will definitely cause you problems on making the payments. Keep a realistic time table and proper finance projection so you can plan on the loan payments.

Credit repair is a necessary thing especially when you have found out that your credit scores have gone so low. It is important to keep ahead of your credit or loan payments to avoid any other money problems in the future.

About the Author
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Have you ever spent beyond your means? Don’t worry you are not the only one who has made this mistake because some people think that as long as their purchase is approved everything is ok. But is it? When the bills come in and you can’t pay for them, you might need credit repair and counseling.

Credit counseling can help with credit repair because they will act as your financial advisor. Most of these individuals are certified accountants and they will do the negotiation and leg work on your behalf.

Before they can talk to your bank, they will first have to review how much you owe and then come up with a plan.

This is better known as the debt management plan. Once the banks agree to it, you have to do your share by making the monthly payment and doing a few other requirements.

These include closing all unsecured credit accounts, not taking any additional unsecured credit, monitoring your credit card payments so you see that your debt is slowing being paid off.

The benefit of this arrangement is that you will be able to pay your debts at lower interest rates, reduced or waived late fees and payment terms from as short as 5 years to as long as 20 years.

What credit counselors cannot do is eliminate the stress that comes with paying bills because again, this is something you have to do on your own. They simply assisted and you have to do the rest.

The debt management plan that was drawn up will be reflected on your credit report and there is now way it can be covered up.

The more authentic information about Credit Repair you know, the more likely people are to consider you a Credit Repair expert. Read on for even more Credit Repair facts that you can share.

A credit counselor cannot help you if you have secured loans which involve collateral. This is because when you are not able to pay for it, the company which you got it from has the right to have it repossessed.

One thing you have to consider when getting help is choosing the right credit counselor properly. To do that, you have to ask questions and get feedback from previous customers.

If ever they tell you not to contact the credit bureau, do anything illegal or make false statements, walk way because this is most likely a scam. At worse, you can even go to jail if ever you decided to go along with it.

The credit counselor at this point is probably the only friend you have in the world and aside from striking a deal with your creditors, they will even teach you how to save money.

You will probably be taught how to cut down on certain expenses, how to balance your budget and if you need to sell off certain assets just to pay off some of the debt.

These changes as you know will be good for you in the long term so you just have to trust your credit counselor.

As a client, you have rights under the Credit Repair Organizations Act and the company you are looking at should make you aware of it. It is best you read and understand it before you sign any contract.

Credit repair and counseling go hand in hand especially when you don’t have the courage to face this problem on your own. There are private and non-profit organizations that are willing to help so you just have to find the right one.

As your knowledge about Credit Repair continues to grow, you will begin to see how Credit Repair fits into the overall scheme of things. Knowing how something relates to the rest of the world is important too.

About the Author
By Anders Eriksson, feel free to visit my latest venture: GVO to claim your $1 trial membership!

The following article presents the very latest information on Credit Repair. If you have a particular interest in Credit Repair, then this informative article is required reading.

Overspending is a mistake that a lot of people make. This is because they think that as long as it is approved they can continue to do so until it maxes out. This never ends well because they don’t have the funds to pay for what they purchased which is why consolidating credit card debts is part of credit repair.

If you think this problem is only in the US, think again because the same situation happens in other part of the world.

Credit card consolidation is very simple. You combine all the debts you owe from various creditors so you end up paying only one creditor monthly.

There are many benefits for credit card consolidation.

First, you get to pay off your debt at lower interest rates than those that are already prevailing in the market.

Doing so will re-age your account. This means that your account is current and active as long as you keep making the payments that you agreed on.

While most card companies charge you fees for being late on your payments, the credit card debt consolidation program waives that so what you will only be paying what you actually owe.

Lastly, the debt consolidation plan buys you time so you have the choice whether to finish paying in a matter of weeks or months.

Is everything making sense so far? If not, I’m sure that with just a little more reading, all the facts will fall into place.

When you are able to consolidate your credit card debt, the next step is to come up with the money to pay it off. You can try reducing your expenses, asking for a raise, getting a second job or selling some valuables.

So do you need to apply for credit card consolidation by going to a bank? You can course this through a bank but there are private and non-profit organizations that offer similar services. You just have to find the right one to work with and then cooperate with them.

When you are looking for an organization to work with, make sure they are legitimate because some of these are scams. This isn’t good and you surely don’t want to fall for that because you are just wasting your time and money.

Once you notice that the money you owe is getting smaller, you are already on the right track and it won’t be long before you have finally been able to do some credit repair.

There are a few things you can also do to improve your credit score. You can open a new line of credit and if the major credit card companies will most likely deny your application, get a credit card offered by supermarkets or groceries and those offered by banks.

Don’t forget to pay your bills and other expenses on time because all that hard work you have done will go to waste if you miss a payment.

The amount of money you owe to creditors took months to grow so don’t be surprised if it takes awhile before you are finally debt free. Remember, you put yourself in this situation so the only person to blame is yourself.

Credit card consolidation is just a part of credit repair. Once it is in play, honor your commitment because that is the only way that your credit score is going to improve and you will once again have good standing with your creditors.

About the Author
By Anders Eriksson, feel free to visit my latest venture: GVO to claim your $1 trial membership!