terry

Check Your ITC Listing

 Finance  Comments Off
Oct 182011

If you need more credit and are not too sure what your credit score is it might be a great idea to check your ITC listing. Remember that you have as much right to know what your credit history and your ITC listing looks like; certainly the same as any lender would have.
You will now be able to apply for a broad range of credit, from loans to taking out contracts and opening up accounts. This is one way to be in a powerful position when you apply for any kind of credit.
Get ITC listings and check your ITC listing from the three leading credit bureaus in South Africa so that you can be on the same page as the lenders.


To get an ITC listing and a credit report could not be easier. Simply go online and get a report from all three bureaus in order to make proper checks and also comparisons. This service is accurate and is also free of charge. This method is quite user-friendly and extremely practical for individuals looking for loans, credit and for those that require an account or contract.


We are faced with and influx of criminal activity in today’s world; therefore credit fraud is rife, with so many individuals trying to steal your identity in order to carry out fraudulent transactions. Prevent this by being on top of your game at all times and check your ITC listing regularly to find out if anyone is using your personal information.


If you would like to find out more about  how to check your ITC listing and how to obtain a credit report and your credit history, then you have come to the right place. Simply contact us to find out how this is easily done online.

Check Your ITC Listing 20111018579.5186 Check Your ITC Listing

Posted by terry at 8:18 am  

Credit Bureau

 Finance  Comments Off
Oct 182011

Did you know that if you have a small business there is a sector that will support you; chances are you were not aware that Transunion credit bureau has their focus on small to medium business.
Transunion embarked on an initiative in 2009, focusing on small business in order to encourage the owners of small to medium-sized business to register all their information with Transunion credit bureau which is the most comprehensive business data base in South Africa and which is active with at least 600 000 businesses being credit-active with the company.


Over 98% Of businesses in South Africa are small businesses
Small and medium business is responsible for at least 30% of South Africa’s annual income.
Doing business and finding information on small businesses is often difficult as obtaining relevant information on these small to medium enterprises is usually limited. Many small businesses in South Africa today are BEE companies and this automatically makes this attractive for companies that would like to get BEE points in order to extend credit, and would also like to utilize the services of these companies.


Transunion credit bureau is driving the expansion and improvement of their current small business database to guarantee successful trade with an untapped market, and one that holds an
aggressively driven edge for the clients.


Transunion offers relevant credit bureau information on small to medium businesses to authenticate the existence and history or any new business.
If you would like to find out more on how a credit bureau can assist in your small to medium enterprise, then you are exactly where you should be. Simply contact us today to find out how you can benefit from this service.

Credit Bureau 20111018289.5625 Credit Bureau

Posted by terry at 8:18 am  Tagged with:

Credit Cards – Credit Card Cover

 Uncategorized  Comments Off
Oct 132011

You never quite know what challenges tomorrow will bring. Perhaps you will be involved in a car accident, or perhaps you can be hit by a bus and will become disabled. A disease could strike and you could end up not being able to work. So what has all this got to do with credit cards? And why does all this sound so terribly negative?
If you are no longer able to continue to work and pay your regular monthly credit card installments, this could add another thorn to your side if you find yourself in that position.
Be prepared for all eventualities and take out insurance that will cover all credit cards. Are you aware that there is insurance covering credit cards?
At point of sale you should be made aware of this cover; usually right from the outset you are asked if you would like to take out insurance that will cover credit cards. For a couple of extra rand every month you will be pleased you were prepared for this catastrophe in your life.
If you die, credit life insurance will pay off the outstanding amount on your credit cards, and if you become sick or if you are not in a position to continue working credit disability insurance will protect your credit , and will pay all your outstanding balances on your credit cards.
Should you lose your job for any reason or if you are retrenched, then involuntary unemployment insurance will help with these installments.
Credit card insurance is  essential when  unforeseen circumstances crop up in your life. Find out more about credit cards and credit card insurance by contacting us today – don’t delay as you never quite know when you might need this very important cover.

Credit Cards Credit Card Cover

Posted by terry at 4:03 pm  

Loans

 Finance  Comments Off
Sep 202011

If you would like to consolidate your debts, or you need to improve or repair your home or else you find you need extra money for anything else and you simply do not have that extra bit of money to stretch across the gap, then taking out loans from one of the banks or a private lender will lift the burden from your shoulders.
If you are looking for a personal loan through FNB bank, for example, then remember that the quotation on all FNB personal loans is valid for a ten day period in which you will be in a position to either decline or accept. A nice little perk is that FNB personal loans gives you a break  over the period of January from paying your personal installment, allowing you a little time to consolidate after the expensive Christmas and holiday period.
If you are interested in borrowing from Nedbank on the other hand, you will be able to borrow anywhere from R 2000.00 to R 120 000.00 in cash ,which will be deposited directly into your account where your salary is deposited into every month; you don’t have to have a Nedbank account to qualify for a Nedbank loan
Nice to know is that you will be in a position to pay your Nedbank personal loan on a flexible repayment plan, ranging anything from 24 to 60 months, but this does depend on which loan you qualify for.
When looking for loans, you should see which option suits you best. Other institutions you should look at are ABSA or Standard Bank for personal loans.
You are on right page if it is loans you are looking for; simply contact us to find out which one would suit you best.

Loans 20110920790.48 Loans

Posted by terry at 1:15 pm  

Life Insurance – Take Care Of your Family When You Die

 Life Insurance  Comments Off
Jul 172011

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Being aware of all the fine print and knowing exactly when a policy will pay out if you have been paying life insurance for years, is essential.
Always ensure that you understand what the different kins of risk life insurance means and always understand under what terms the benefits will be paid out to the beneficiaries.

Understanding your funeral insurance for example: this can be under the umbrella of either long or short term insurance.

If you suddenly become really ill, for example, your long term life insurer is not permitted to cancel your policy at any time.

But your short term policy holder reviews your insurance every year, and there fore your policy can be cancelled if you would like to do so. If you should become ill suddenly, their is a possibility that your short term insurer could cancel your policy – something to weigh up when looking for funeral cover.

It is a good idea to take out disability insurance when you take out life insurance. Weigh up your options at all times, compare quotes as well as benefits and take out the one that will suit your budget and your individual circumstances.

For more on these and other options, contact us to find out about life insurance.


Life Insurance Take Care Of your Family When You Die 20110717774.7401 Life Insurance Take Care Of your Family When You Die

Posted by terry at 7:20 am  

Insuring Against Pests Is Important

 Affordable Insurance  Comments Off
Jul 092011

Discovering that your prize possessions have been eaten away by moths is an unpleasant surprise to say the very least, and if your insurance company refuses to give you cover for this type of damage, then the surprise becomes even more unpleasant.
Protect against damage done by pests and be really careful to read between the lines. The small print will always tell all and most insurers simply won’t cover damage caused by pets or by pests.
But do bear in mind that there are certain policies that will cover the cost of pest prevention and eradication. We live in Africa, therefore we should be aware that we live with a whole ecosystem of living creatures.
. There are so many insects that we live with making it rather necessary  to prevent nasty surprises by covering ourselves in the event of having damage caused by pests.
Presently there is a nasty rat infestation in Johannesburg; rats as large as small dogs and large cats have been spotted rummaging around for food . If one of those nasty creatures should enter your roof and chew electrical wires, imagine the cost to replace and fix this type of damage caused to your home.
There is a distinct differentiation between wild animals and pets. Wild animals would include strays that gain access either to your home or yard and leave a trail of destruction – in these instance your insurance company would more than likely cover the costs of the damage caused to your belongings and your home.
For more on the cover of pets and pests, contact us without any further delay

Insuring Against Pests Is Important 20110709289.5625 Insuring Against Pests Is Important

Posted by terry at 8:11 am  

Tips on How To Cut Back On Car Insurance

 Car Insurance  Comments Off
Jul 092011

Car sickness is when you feel awful when you receive your monthly insurance for your vehicle every month. You will be able to overcome this by taking into consideration a couple of pointers that will largely reduce your premiums.

For example, living in a secure area and safety in general, such as installing a tracking device will reduce your premium on your car quite substantially.
Reduce your premiums by always having your finger on the pulse at all times. Don’t just sit back and let your debit orders go through year after year  – take time out, review and reduce your premiums by making sure your insurance company adjusts the value of your car every year. The reality is that the value of that expensive car that you so happily splashed out on does decrease in value each and every year.

Car insurance on the whole is expensive for South African because of the high risk of travelling on our roads. So many cars on the road and vehicles in general are simply unlicensed and not in a roadworthy condition , with long distances often being travelled by these vehicles.

If you are an experienced driver,  and travel short distances you could also reduce your premiums by increasing your excess.

If you are in need of reducing your car premiums, then call us today

Tips on How To Cut Back On Car Insurance 20110709579.5186 Tips on How To Cut Back On Car Insurance

Posted by terry at 8:11 am  
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