Alton J. Jones on Talk About It Today with Mo Stegall

Tune in to Talk About It Today with Mo Stegall at http://www.blogtalkradio.com/talkaboutittoday at 2pm, EST, on January 5, 2010. I will talk about my book on credit management, "Evil Money Evil Credit" . I will further discuss my willingness to share my excellent rated credit profiles with America, so that consumers can see actual proof of what it takes to obtain an excellent credit score. The call is number is (347) 826-7120.

Visit my Web site at http://www.AltonJJones.com to download a copy of my media kit.

Credit Expert Shares Personal Prime Credit Profiles with America

A revised media kit is available on my Web site at http://www.altonjjones.com/. Event coordinators should contact me direct for booking engagements. I will clear the fog and provide a path of basic fundamentals required to improve one's credit. My personal, excellent rated credit profiles will be shared to provide a formula for those who want prime credit.

Audience participation will be generated by sharing my personal, excellent rated credit profiles, posing and answering questions about each creditor’s entry and explaining the fundamentals of credit. Also, I will share less obvious methods of credit management such as the use of bank returnable checks for tangible proof of payment.

High Yield Checking Accounts

Consider opening up a checking account in one of the following credit unions:

Each pays over 6%.

Certain restrictions MAY apply.

(Arkansas) - United Federal Credit Union - 6.01%,
(Kansas) - Golden Plains Credit Union (6.01%),
(Michigan...) - United Federal Credit Union (6.01%),
(North Carolina) - United Federal Credit Union (6.01%),
(North Dakota) - United Federal Credit Union (6.01%),
(Ohio) - United Federal Credit Union (6.01%),
(Oklahoma) - United Federal Credit Union (6.01%)

If you are going to park your money somewhere, you might as well get something for it.

Gifts for those in a financial crisis

Send someone you know a gift expressing your support during a financial crisis, by purchasing an item from www.CafePress.com/altonjjones and visiting www.AltonJJones.com to buy a copy of Evil Money Evil Credit.

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Account “Users”

If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse’s name as well as in yours (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user.

Limiting Access

You may request that consumer reporting agencies do not distribute your name on lists used by creditors and insurers to make unsolicited offers of credit and insurance. Requests can be made by telephone or in writing by filling out a form available from each credit reporting agency. For telephone requests, call (888) 5 OPT OUT to be excluded from Experian, Equifax, and Trans Union. Telephone requests last for two years; written requests are permanent. Consumers have the right to sue consumer reporting agencies, users, and providers in state and federal court for violations of the Fair Credit Reporting Act.

Credit Insurance: Is It for You?

There are four main varieties of credit insurance: Credit life insurance pays off all or some of your loan if you die. Credit disability insurance, also known as accident and health insurance, makes payments on the loan if you become ill or injured and can't work. Involuntary unemployment insurance, also known as involuntary loss of income, makes your loan payments if you lose your job due to no fault of your own, such as a layoff. Credit property insurance protects personal property used to secure the loan if destroyed by events like theft, accident or natural disasters.