Bad Credit

This site has security measures in place to protect the loss, misuse and alteration of the information under our control. Our site uses SSL Certificate technology to provide a safe, convenient and secure payment for Internet consumers. The transaction is protected by a sophisticated system of 128 bit encryption, combining DES private-key and RSA public-key encryption technologies. bad credit credit creditres

Career Family Divorce Financial Planning Investing Wills, Trusts Estates CONTRACTOR Bids, Quotes Proposals Contracts, Agreements Liens About Shipping When orders will be shipped Delivery time and shipping rates Shipping to post office boxes

When orders will be shipped All orders received by midnight Central time will be processed and shipped (via the delivery method you choose) the next business day. Orders placed on Saturday and Sunday will be processed and shipped on Monday or if Monday is a holiday, the next business day. Delivery time and shipping rates bad consolidation credit debt

Shipping method Delivery time Shipping cost

Standard 3 to 5 business days $8.34 Expedited 2 business days $13.40 International 3 to 5 business days $60.00 Shipping to post office boxes Should you require your order be shipped to a PO Box, APO, or FPO, we will use U.S. Postal Service (USPS). Door-to-Door Delivery Confirmation is not available for USPS shipments. For this reason, Socrates cannot be responsible for lost or delayed packages shipped to these addresses. bad company credit repair

Use our site map to find what you need at Socrates.com Career Family Divorce Financial Planning Investing Wills, Trusts Estates CONTRACTOR Bids, Quotes Proposals Contracts, Agreements Liens Socrates.com Sitemap

Do-it-yourself forms, guides, kits and software that will save you time and legal fees. Socrates.com helps you complete everyday business, personal and real estate matters, with more than 400 products that have been reviewed and approved by licensed attorneys or other industry experts. These products include agreements, affidavits, contracts, incorporation kits, leases, promissory notes, wills and much more. bad card credit credit

Please use our Site Map to find the section of the site you are looking for or if you need any help please contact us at customerservice@socrates.com. Catalog Business Personal Real Estate Contractor Site Features Retail Store Locator Your Account Free eNewsletter bad car credit loan

Bonus Downloads Affiliate Program Socrates Support Self Help (FAQs) Live Help E-mail Phone About Socrates Press Releases Contact Socrates Secure Shopping Disclaimer Privacy Policy Return Policy Copyright Use the store locator to discover what stores near you offer Socrates Made e-z business self help products at Socrates.com Use the store locator to find local stores that carry Made e-z products. If you prefer, you can get blank documents and online forms immediately in the legal forms download section at Socrates.com. store locator, find store, legal forms download, business self help, small business development, store locator, legal forms online, socrates, ez legal, made ez, madee-z, made e-z, contractors forms Career Family Divorce Financial Planning Investing Wills, Trusts Estates CONTRACTOR Bids, Quotes Proposals Contracts, Agreements Liens Retail Store Locator

To find the retail store nearest you, }enter your ZIP code below. To broaden the search results, drop the last number from your ZIP. bad credit loan mortgage

Contact Socrates.com customer service Career Family Divorce Financial Planning Investing Wills, Trusts Estates CONTRACTOR Bids, Quotes Proposals Contracts, Agreements Liens Socrates Customer Service and Support

At Socrates, we re dedicated to helping you do more yourself. An important part of our service is providing you with the following support: auto bad credit loan

• Call customer service at 1.312.762.5680. Our Customer Service hours are Monday through Friday, 8 a.m. to 6 p.m. Central time. bad credit mortgage refinance

• Contact us via e-mail at customerservice@socrates.com bad credit refinance

Our free monthly e-newsletter, Socrates Nation, delivers how-to information, practical tips, essential know-how and special offers to help you do more yourself and pay less. Browse our back issues, which are listed below, or sign up to have upcoming issues e-mailed to you. bad credit mortgage second

January 2006

Getting a Fresh Start in 2006 December 2005 - Landlord Edition Find and Keep the Best Tenants While Maximizing Profit December 2005 Countdown to 2006:Getting Ready for the New Year November 2005 Socrates Nation - Landlord Edition September 2005 bad credit loan student

Tips Tools To Get Ready For the Fall Real Estate Season July 2005 Celebrating Your Independence: A Toast to Small Business June 2005 Take Stock of Your Finances and Take a Break This Summer May 2005 Find Great Employees, Reward Your Staff and Protect Yourself When Handling HR Issues bad card credit

April 2005

What to Look for in Rental Property, Great Real Estate Ads and Increasing Your Home Value March 2005 Spring Strategies for Your Business, Real Estate, and Personal Life February 2005 Solutions for Seasonal Slumps, Incorporating, an Itch for Change, and the Winter Blahs January 2005 bad credit financing

Make This Your Best Year: 5 Things to Start 2005 Right December 2004 Countdown to 2005: What Will You Do with the Next 14 Days November 2004 Holiday Survival Guides: Gifts, Bonuses, Parties, Budgets and More October 2004 End the Year Right: The Checklists Everyone Needs bad credit home loan mortgage

September 2004

Pump Up Your Productivity August 2004 Hit Your Goals, Test Your Entrepreneurial IQ, Motivate Your Staff July 2004 Introducing Socrates Nation: This Month, Real Estate as Your Key to a Brighter Future Socrates products are carried at Office Depot and OfficeMax. bad credit loan people

All Socrates products and services are reviewed and approved by attorneys, accountants or industry experts. If you have any questions, call us at 1.312.762.5680 or email us at customerservice@socrates.com. Please note: These products are not intended to provide legal or financial advice or substitute for the advice of an attorney or advisor. bad card credit credit people

Learn about Socrates, formerly called Madee-z.com, the providers of legal forms online and affordable how to knowledge at Socrates.com Information about Socrates, which formerly was the website Madee-z.com, is available on this page. Learn about the legal forms online and small business development products offered by Made E-Z Products at Socrates.com. about Socrates, company information, madee-z.com, corporate management, about Socrates, legal forms online, socrates, ez legal, made ez, madee-z, made e-z, contractors forms Career Family Divorce Financial Planning Investing Wills, Trusts Estates CONTRACTOR Bids, Quotes Proposals Contracts, Agreements Liens About Socrates About Socrates, the Company About Socrates, the Man Why buy from Socrates Bust of Socrates Why we are called Socrates.

Since a time when Greek civilization and philosophy influenced the world, the idea of asking the right questions to get to the right answers (Socrates% % ocratic Method% has been a principle embraced in every culture and certainly ours. As a company founded on questioning the way things have been traditionally done and to finding better ways to do them, Socrates is the perfect name for our brand. From this Socratic approach, we have built essential solutions that give our customers know how and control over their everyday matters, to either confidently handling them themselves or saving hundreds if not thousands of dollars working with outside professionals. bad credit guaranteed loan

The three major consumer reporting agencies, Equifax, Inc., Experian and TransUnion LLC, all get their information about you from different sources. So your credit report from one company may not have all of the information or even the same information that is in your reports from the other two. This doesn% necessarily mean that any of your reports is inaccurate; it% just different. But for that reason, you will want to request reports from each. It s up to you whether you request reports from all three agencies at once or stagger your requests throughout the year% strategy that some experts suggest may help you stay on top of the accuracy and completeness of your reports. bad credit refinancing

Here is the contact information for each of the three CRAs: Equifax: 1.800.685.1111 Experian: 1.888.397.3742 TransUnion: 1.800.888.4213 Free Credit Reports Thanks to the Fair and Accurate Credit Transactions Act of 2003 (FACTA), by September 1, 2005, everyone in the United States will be eligible for one free credit report each year from each of the three CRAs. On December 1, 2004, consumers in the Western states became the first to be able to order their free credit reports. The rest of the states will follow according to a regional roll-out schedule: Midwestern states become eligible on March 1, 2005; Southern states, June 1, 2005; and Eastern states, as well as the District of Columbia, Puerto Rico and all U.S. territories, September 1, 2005. bad credit equity home loan

Meanwhile, Federal law also states that you% e entitled to a free report if you%e been denied credit, insurance or employment and you ask for your report within 60 days of receiving notice of the denial; if you% e unemployed and plan to look for a job within 60 days; you% e on welfare; or your report is inaccurate because of fraud or identity theft. bad credit loan payday

And if you live in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey or Vermont, your state law already provides for free access to your credit report. Please note: If you qualify for a free annual credit report through FACTA, there is only one authorized source for that request: AnnualCreditReport.com. Do not contact the three CRAs Web sites individually. They are only providing the free reports through this one site. (For details on ordering your free report, see the Federal Trade Commission% Facts for Consumers article % a target= new href= http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm Your Access to Free Credit Reports.% bad credit repair

What to Look for in Your Report

After you get your credit report from each agency, you want to look through every transaction and ensure all of the information is correct. Check your personal information. Is it accurate Check your credit card and loan information. Do you still own those credit cards Have you already paid off that loan Also pay particular attention to the FICO score on each of your reports. This is a credit score developed by Fair Isaac and Company that condenses your entire credit history% ncluding payment history, amount owed, length of credit history, new credit and types of credit used% nto a number between 350 and 850 so lenders will have a fast, objective measurement of your credit risk. The higher your score, the lower your interest rate will be. bad credit home loan uk

If everything in your credit file is correct, you can breathe a sigh of relief. If you find credit cards listed on your credit report that you didn% apply for and haven% used, you may be the victim of identify theft or credit fraud. If you suspect that you are the victim of fraud, contact all three CRAs immediately. Likewise, if you find any mistakes in your report, make sure they are corrected quickly. Each credit reporting agency% Web site has information about how to dispute information. You can also learn more about resolving errors in The Federal Reserve Board% Consumer Handbook to Credit Protection Laws. 2nd bad credit mortgage

Serve tenants with a 10-Day Notice to Remedy Breach or Terminate for Arizona. USE TO: bad credit loan unsecured

• inform tenants they have violated a term(s) or condition(s) of the lease bad consolidation credit loan

• if the breach can be remedied, notify tenants they need to rectify the violation within 10 days or their lease will be terminated bad credit home loan new

• if the breach cannot be remedied, notify tenants their lease is being terminated bad business credit loan

• protect yourself if tenants refuse to correct the violation or move out of the premises (in which case this notice is vital to successfully completing an action for eviction) bad credit lender mortgage

• comply with Arizona state law by providing the notice within the required time limits and in the proper manner bad credit home loan mobile

10-Day Notice to Repair: Oklahoma Serve tenants or subtenants with a 10-Day Notice to Repair for Oklahoma. USE TO: inform tenants that one or more of their actions has caused damage(s) to the premises and that repairs must be made give tenants 10 days after they receive notice to repair the damage(s) warn tenants if they fail to comply with this notice you will enter the premises, fix the damage and send the tenants an itemized bill and/or terminate their lease comply with Oklahoma state law by providing the notice within the required time limits and in the proper manner TERMS AND CONDITIONS COVERED INCLUDE: summary of Oklahoma state law outlining when and how the notice should be served customizable section for detailing the reason(s) for serving the notice covenant that describes measures the landlord will take if the damage is not repaired Contents reviewed and approved by attorneys or industry experts. 10DAY, NOTICE, TO, REPAIR, 10, DAY, DAYS, REPAIRS, NOTICES, OK, OKLAHOMA, TERMINATE, TERMINATION, 10DAY, NOTICE, TO, REPAIR, OKLAHOMA, WF177-OK NOTIFY, TENANTS, DAMAGED, PREMISES, 10, DAYS, MAKE, REPAIRS, SERVE, TENANTS, SUBTENANTS, 10DAY

Serve tenants or subtenants with a 10-Day Notice to Repair for Oklahoma. USE TO: bad cash credit loan

• inform tenants that one or more of their actions has caused damage(s) to the premises and that repairs must be made bad credit loan private

• give tenants 10 days after they receive notice to repair the damage(s) bad card credit debt

• warn tenants if they fail to comply with this notice you will enter the premises, fix the damage and send the tenants an itemized bill and/or terminate their lease bad business credit loan small

• comply with Oklahoma state law by providing the notice within the required time limits and in the proper manner bad bankruptcy car credit loan

• Eventually you may outgrow a manual record keeping system, but most small businesses or home offices start with a manual system. Manual records will satisfy the tax codes as long as they are accurate and easy to understand. You can use inexpensive, pre-formatted record books found at any office supply store. You can also use a pad of ledger sheets. Your records might use broad categories (i.e. advertising, utilities, supplies) across the top of the ledger sheet and list each transaction for the category going down the page. Be sure to include whether a payment was cash or credit card. At the end of the month, total up each column, and you will have an accurate record of payments. This is called a single entry system, meaning you enter each transaction only once. bad credit instant loan

No matter which system you decide to use, you will still need to keep source documents in folders or boxes by type of document: receipts, bank statements, purchase invoices and so on. These will substantiate the numbers in your record-keeping system. bad credit equity loan

Setting Up Financial and Record-Keeping Systems for Your Small Business

A basic record-keeping system should be easy to use, understandable, reliable, accurate and timely. You% l need some type of business journal to record transactions and a well-organized filing system. You should also be generating monthly financial statements that include cash flow, accounts receivable, accounts payable, payroll, overall income statement and balance statement. bad credit georgia home loan

Set up a baseline set of information for your business.

Remember, the usual rule of thumb is that you should have enough money on hand to operate your business for one year. Include these operating expenses: application bad card credit

• Down payments on property, rent, equipment bad credit home loan va

• Equipment bad credit home loa

• Legal/accounting services bad car credit loan new

• Licenses/permits bad credit home loan really

• Marketing bad credit fix

• Office space bad credit down home loan

• Professional fees bad credit lender

• Remodeling/installation of equipment bad buy car credit

• Salaries (including your own) bad bank credit loan personal

• Supplies bad credit home loan purchase

• Utilities bad credit loan motorcycle

A financial management system can be created or maintained by you or your accountant and should include the following elements: bad credit help home loan

• Income statement showing income and expenses for a given time period (month, quarter, year) arizona bad credit home loan

• Balance sheet comparing your assets and liabilities bad credit home loan motor

• Operating budget showing your estimate for flow of cash over each month of the year auto bad credit financing

• Cash flow statement, one of the most critical documents you can prepare. A cash flow statement can answer these questions: bad car credit loan used

• Are the operating activities generating cash bad credit ct home loan

• Which working capital components have large uses of cash bad credit diego mortgage san

• How much cash is provided for investing in activities bad credit mortgage people

A basic financial record-keeping system should include information on banking relationships, bill payments, money collection, purchases, sales, professional relationships (accountant, bookkeeper, suppliers) and information gathering and reporting. bad credit down home loan no

Set up a separate checking account for your business. Set up a ledger to record all transactions (either computer or handwritten). Store receipts in the same order as they are in the ledger. Check your bank statements and credit statements monthly. Keep basic information for each customer and employee. Each piece of equipment needs it receipt and service schedule. bad company credit mortgage

This may sound daunting, but there are some basic elements of a good system that will help you get started in your organizational activities: bad credit home loan michigan

• Use a calendar devoted only to deadlines and other events that are important to your business. bad credit home loan pa

monebaggasse