using previously earned credits to help with completing your college degree

Using Previously Earned Credits To Help With Completing Your College DegreeStudied a degree in the past but didn’t get a chance to complete it? If so then you may have encountered the issue of transferring previously earned credits to the new course of study.

If you are looking for the right institution to finish a Bachelor Degree or Master’s Degree that you started years earlier using previously earned credits, but didn’t have the opportunity to complete, then you may be finding some difficulty. Let us take a look at some common situations that many people are facing and then how to tackle those problems with possible real solutions.


1. The credits earned all those years back may not be accepted easily, except in a few, mostly unknown colleges.

2. DETC guidelines specify that transferring credit can account for up to half of a 36 credit master’s degree program, yet most programs can accept a maximum of approximately 6 credits.

3. Sometimes previously earned credits from degree programs don’t exactly match current programs you want to enroll on and few, if any, electives are allowed.

4. The first choice school you want to enroll at accepts transfer credits, but the rest of the degree will cost more than $600 per credit.

If you really want to finish your degree then an ideal program would be one that would:

1. Accept transfer credit.

2. Allow study options that you are comfortable with, i.e. an online degree, thesis and/or independent study.

3. Offer reasonable tuition fees.

If you have many years of work experience and countless hours of professional training to add to your previous degree studies then doesn’t it seem unfair that you are in a position where it seems no one is willing to offer you the chance to do what you dream of – to finish your degree program?

Previously Earned Credits – Top 3 Possible solutions

1. Think about where you started your degree. Do you know if the school you started with has any online degree/distance learning programs?

2. Complete some transition courses in the interim. Sometimes a college will accept your credits if you study a short introductory course with them. Sure, you’ll have to pay, but in the whole you will make the saving because of the credit transfer allowance.

3. Re-opening a candidacy at the school where you began your degree may work. However, you will most likely be asked to validate your previous coursework by taking a comprehensive exam in your chosen field. After that, study the modules and earn the credits required, or take a thesis only masters program.

In conclusion, finding a university that will allow you to transfer old credits is going to be a challenge anywhere.

Following the above tips is possibly your best course of action, though new allowances and opportunities do surface, especially when traditional universities open their doors to online degree applicants, occasionally requiring more lenient entry requirements. Some colleges are willing to listen to candidates on an individual basis so that previously earned credits become a genuine asset to your current educational aspirations.


Can an Accredited Degree Ever Become Unaccredited?

Though it may sound absurd, schools, employers or HR folks who do a search on your educational background may discover after hitting the Search button that your school of study shows up as unaccredited. What does this mean for you?

I know I’ve given advice about accredited and unaccredited universities before, but this is a particularly interesting subject of contention.

Imagine this scenario: You graduated from university (distance learning or on-campus) 3 years ago that at the time was accredited but your potential employers looks it up now to discover it isn’t accredited any longer and in their eyes your ‘accredited degree’ doesn’t cut the mustard.

However, turn this on its head: would this work in someone’s favor if they got their degree from an unaccredited university that later gained DETC (Distance Education and Training Council) or RA accreditation?

Well, most scenarios are unique so there is no cut and dry answer. Employers giving the candidate the benefit of the doubt though would accept a degree as credible if the institution currently has accreditation recognized by the DoE and CHEA, or if the institution did at the time the candidate graduated.

Speak to the accreditation agency which should be able to confirm the school’s accreditation status at the time of your graduation. If your school is now out of business then the accreditation agency should be taking care of your records and transcripts.

However you study though, it is very important to inform employers to take into account the date of your graduation and compare it to the date of accreditation. In a nutshell, the accreditation status your employer is supposed to look at the degree as it was at the time of the candidate’s graduation. Matching up these vital factors is very important, but actual situations are so varied that decisions are often made on a case by cases basis.

The moral of the story is to be aware that you know what you are holding in your hands whether an accredited degree or otherwise before you go applying for a job or further study.


You Need Good Credit Scores to Qualify for Your Loan – Here is a Great Program to Help You Raise Your Credit Score and Get That Loan

Your personal credit score can be a big part of the decision process that equipment financing companies look at when evaluating you for a business loan. That is one of the reasons it is so important that you work to get the highest credit rating possible. If you think you need to raise your credit score even by a few points here is a great program to help you and you need to look at “37 Days to Clean Credit” now.

On the personal side, a large percentage of the population today has credit problems and they’re all searching for quick, easy and affordable ways to repair it. Bad credit causes you no end of problems because you can’t get loans for anything. This includes vehicles and houses. In fact, you can’t even get an apartment to rent if your credit is bad. You can also be turned down for jobs if you have bad credit. That’s why it’s so important to repair anything negative appearing on your credit report. If you’re in this situation, 37 Days to Clean Credit may be something you want to try.

What is 37 Days to Clean Credit?

This is an 80 page credit repair manual written by Chris Brisson, a man who had his own credit problems. Chris developed a system when he was repairing and rebuilding his credit that seemed to work out pretty well for him. He thought other people may benefit from what he figured out so he put together this manual. Written in a conversational tone, Chris shares his information with you just as if he’s speaking to a friend. The book is well written and enjoyable to read unlike some of the credit repair courses that are being sold today. Something else Chris added to his e-book is lots of pictures intended to assist you in understanding the process much more easily. This, too, is also different from other credit repair books you’ll find where there’s only text that you have to decipher.

What Does this Manual Cover?

In 37 Days to Clean Credit, you’ll find 7 chapters packed full of helpful information to set you in the right direction when it comes to cleaning up your own credit. These chapters are:

Chapter 1- How to Order Your Credit Report: This chapter tells you all you ever wanted to know about your credit score and the impact it has on you and your financial life. Chris uses this chapter to share his own personal story regarding how he got into trouble with his credit as well as discussing some of the more popular myths regarding credit repair and explain why they’re wrong.
Chapter 2- How to Understand Your Credit Report: In this chapter, you’ll learn how and where you can obtain your credit report. There are actual screen shots to assist you in ordering your credit reports with no hassle. He will explain what free credit reports are and what the disadvantages are of using them. If this is your first time ordering a credit report, you’ll be a pro by the end of this chapter.

Chapter 3- How to Decide What Items Need to Be Removed From Your Credit Report: Here is where you’ll learn how to read and comprehend the information you’ll find on your credit report. Again, Chris makes this very simple through the use of screen shots of real credit reports. Pay special attention to this chapter because you must know how to analyze your credit report in order to fix it.
Chapter 4 – How to Dispute Negative Items on Your Credit Report: In this chapter, it’s time to assess and analyze the condition of your current debt circumstances. Chris shows you just how to do this while also offering some helpful information about how you can handle creditors, cut down on your monthly expenses and other suggestions on how to get out of debt.

Chapter 5 – How to Reduce and Eliminate Your Debt: Now, you’re starting to really dig in and learn some things. You’ll be instructed on the correct way to dispute incorrect information appearing on your credit report. Chris guides you every step of the way. He tells you what you can expect regarding time frames with each of the credit bureaus. Keep in mind that he’s writing from his own personal experience in repairing his credit. You’ll find a treasure trove of information in this chapter and tons of tips to help you clean up your credit report.

Chapter 6 – How to Negotiate with Lenders and Bill Collectors: Here is where you’ll learn the process of negotiating with collection companies and creditors. Chris clearly leads the way with a step by step plan formulated for anyone to understand. He tells you what you should and should not say to collection companies and creditors when dealing with them over the phone. This is yet another chapter filled with fantastic information that will help you conduct a successful negotiation regarding your debt and collection accounts.

Chapter 7- How to Quickly Rebuild Your Credit History: The final chapter in 37 Days to Clean Credit shows you how to build new credit and remain responsible when it comes to future spending and credit. Besides, half of credit repair is getting your credit report clean and the other half is rebuilding good credit and keeping it. You’ll learn all you need to know about that in this chapter.
Bonuses to 37 Days to Clean Credit

Once you have purchased your copy of 37 Days to Clean Credit, you’ll be directed to some bonus videos to help you even more in getting back on track. These bonus videos include:

Interest Annihilator Video
The Credit Millionaire System
Credit Repair Mastery
Budget Income Tracking Form
Budget Credit Tracking Form
Budget Expense Form

The way that you get to these bonuses is by following directions that you’ll be given once you’ve completed your purchase of the ebook. You’ll see a link at the top of the page that will direct you to download 37 Days to Clean Credit. Next, you’ll see a link that allows you to download the bonus audio files along with written transcripts of interviews with leading experts in credit repair. You’ll also find a link that downloads Chris’s templates for credit dispute letters. Then you can download 2 bonus videos that address money management and personal finance issues. Finally, you’ll reach the bottom of the page where you’ll be able to download your super bonus videos.

Does it really work?

37 Days to Clean Credit has received many glowing testimonials from people that purchased the manual and followed Chris’s advice. Obviously, you’ll only get out of it what you put into it. If you’re serious about cleaning up your credit, Chris’s book may be the answer to your problems. Put his knowledge to work for you and see what happens. On the other hand, you won’t get anything without putting forth some effort and, if you’re not ready to work on your credit problems, you probably won’t make anything work, even the amazing information Chris provides. The choice is yours.

In Conclusion

At a cost of just $37 along with a 60 day money back guarantee, it would be foolish to pass up a deal like this. You probably see these kinds of guarantees a lot but Chris takes his a step further. If you don’t increase your credit score by at least 20 points and get at least 2 items deleted from your credit report, you can personally email Chris and he will work with you one on one to help you make the most of his system. You’ve really got nothing to lose by trying and may have everything to gain.

3 Tips for Getting a Fast Approval on Financing with a Equipment Financing Companies

Once you decide to get finance your equipment there are a few things you need to get to get your financing approved quickly. Although different equipment financing companies will have different requirements for financing the lease, there are a few items you should have ready to help you get a fast approval.

Keep an eye on your company’s credit rating

Even though the equipment finance company looking to finance your equipment loan may cater to companies that have less than stellar credit or their credit ratings parameters may be lower than that of more traditional lending companies, you need to try to get the best credit score and ratings. Not only will this help in getting better terms it will make it easier for a quick approval. Paying bills on time, resolving disputes with vendors and creditors and not having too much outstanding debt all are important factors when applying for a loan. If you have negatives on your credit report be willing to discuss it with the loan officer and keep them up to date with the status.

Prepare a Lease Package

A lease package should include important information on your company. This includes your company’s history, business background of the principals and a detailed report on what your company does. You should include your company’s accomplishments, credit and trade references and a list of equipment that you intend to lease with the financing. It should give a good overview of your company so the equipment leasing company feels comfortable with their investment.

Have Updated Financial Statements

If you loan is over $75,000 you will probably need to show some financial statements so you might as well be prepared in advance. You should have your accountant help prepare the statements and they should go back at least 3 years. Don’t forget to include a business plan with forecasts of revenues, expenses and earnings. Include the anticipated lease payments in the business plan

What options are available for Car Loans with Bad Credit or No Credit?

One can differentiate good credit from bad credit if the credit score of some people is better than that of others. Nevertheless, if everybody’s credit scores are plummeting, there is hardly anyone left with good credit. Either the lender or the creditor has to offer no credit auto loans or wind up the operations. Moreover, there is neck and neck competition among the creditors or lenders.

If the applicant does not avail car loan from one lender, he / she will try other lenders. If one lender loses a customer, it does not mean that others too will reject that customer. There are enough lenders in the market to offer car loans for people with no credit. This is the reason why there are options available for getting with bad credit or no credit.

The options available to a person without credit to avail a no credit car loan are as follows.

Check the credit score: If one thinks that, he / she has been regular at doing the monthly payments, it is desirable to apply for rechecking of the calculations of the credit score. This option is only for those who doubt the current score of wrong calculations.

Market research and quotes: Even if you have a bad credit or not credit, there are multiple lenders available. The only thing one needs to do is visit them and seek their quotes. Once you collect and analyze the terms and conditions of the lenders offering bad credit car loan, you can negotiate with the lenders or creditors.Secured loan: Most of the lenders or creditors have now started offering no credit just because it is a secured loan. They also know that the applicant cannot apply for bankruptcy for another 8 years. In case the applicant is not able to pay the monthly payments, the lender can seize the car.

Improve your credit score: When the credit score is shattered, the most common alternative that the debtor has to first improve the credit score and then apply online for car loan.

Try the used car loan: It is neither an insult nor demeaning to think and avail the used car or auto loan especially when the lower monthly payment can improve your credit score and put your finance back on the track.

Regular source of income: Bad credit score or no score means there is not ground or basis for the lender to trust you and be assured of his money being returned in the future. In these circumstances, a stable job with regular source of income can serve the purpose of assuring the lender or creditor of regular monthly payment. A stable job with regular salary can make one avail the easy car loans online despite poor credit.


Evaluating Bankruptcy Car Loans and Upside Down Car Loan

Bankruptcy car loans are extensive to individual who has a newly filed bankruptcy, has it on his record, and could not get eligible for a loan under usual circumstances. By looking for a dedicated bankruptcy loan, these individuals can get high-interest financing as well as the chance to buy a car. As they often come with hand-in-hand, however upsides down car loans and bankruptcy car loan are very different.


Essentials of Upside Down Car Loans

Getting upside down on a loan merely means you loan more on the financing rather than the asset is worth. It is likely to be upside-down on a mortgage loan if you’re house cost has been decreased. The same is doable on a car loan. As you go for shopping for your vehicle, you could find the trade in amount you get less than you still remain on the loan itself. In this case, you need to repay the first loan and then later on purchase the new car with no benefits of the trade-in for a down payment. Essentially, you won’t have a positive equity in the car.

It is best to effort to resolve or refinance a loan as you search for upside down. Number of lenders would be hesitant to carry out this, as they would make less money on the loan compared to the originally estimated. However, it’s normally possible to modify for loan through negotiations.How’re Bankruptcy Car Loans and Upside Down Loans Confused?

There’re many reasons why individuals confuse these two sort of loans. One reason for the uncertainty occurs as a car is seized and pays a debt through a bankruptcy court. As a court orders bankruptcy of an automobile, it is generally to repay to the auto loan lender. The court would put the car for sale and pay back at least a part of the loan. The majority car loans are option loans. This means the borrower needs to make the payment for the difference of the loan amount and the deal with amount if the trade in amount has gone down.

In this case, the insolvent person would find himself / herself attempting to close an upside down loan. An additional reason the two loans are confused is because a person may need to seek a bankruptcy car loan after exiting an upside down loan. As there would be no asset to utilize as down payment, the loan would be at very high risk for the lender and the borrower. If the borrower in addition has a current bankruptcy records, this means a bankruptcy loan would be required.

Buying New Car Loan? What You Need To Know?

If one does not know the basics of auto loan and the factors influencing it, the task of selecting the best new car auto loan could be like searching for a pin in the hay stack. Here are some of the basic fundamental issues, on the basis of which one can decide upon the new car loan at best deal.

Consider following issues while Financing for New Car Online


One has to sooner or later repay the loan. Keeping this in mind the debtor should set aside the budget for the car. Depending on this budget, the new auto loan should be applied. If the monthly installments are more than what the loan applicant can afford, the finances could be in an utter mess.

Monthly Payment and Rate of Interest:

If the loan applicant has more monthly income, the debtor would like to get rid of the loan as fast as possible and pay the least of the interest. On the other hand when the monthly income of the loan applicant is less, the debtor would like to repay the loan over an extended period and keep the monthly payment as low as possible. Thus the income, affordable monthly payment and the rate of interest are crucial factors for availing any new auto loan. Thus a loan that is the best fit for one person could be the worst fit for another.The Selection Procedure:

There are many sources of car loans. On surfing the internet, one can come across a number of Online Car Finance companies. There are many credit unions, banks and private lenders to offer car loans.

Because of the neck and neck competition, the lenders try to offer better services to the loan applicant. As a consequence the terms and conditions tilt toward more of customer satisfaction.

The internet has fueled the competition. Now the lenders have started offering Auto Loans Online

With the help of the websites of the lenders one can request for the quotes of different lenders. In some case a common form on the internet can serve the purpose of approaching different Online Car Finance car lending companies simultaneously.

One can decide about the new car loan rates on the basis of the response got from the car lenders.

Besides the monthly payment and the rate of interest one should take into consideration the total amount spent to own a car after repaying the loan.

To know about the quality of service provide by the loan lender one should seek reference from friends and acquaintances.

After selecting the source one should also try to bargain upon the monthly payment and the rate of interest.


Auto insurance is a necessity and this is amply evident from the fact that all states of USA have made it mandatory to have auto insurance on all vehicles. Most of the time, this appears to be a bothersome exercise, but why wait until you get involved in an accident to find out how taking an auto cover takes care of your assets and you. High medical expenses and lawsuit judgements on the rise make it worthwhile to protect yourself and your precious vehicle with auto insurance.
Furthermore, all jurisdictions have made it compulsory to have two auto insurance systems – the no-fault system, and the Tort system. The former type of insurance favour in most states dictates that your insurance carrier shall pay the injury claims no matter who caused the accident in reality. The amount payable is up to a specified limit and if you are involved in an accident, your carrier is liable to pay for the injury. As against this, the Tort system the injured party will have to take care of the medical expenses from their own packet and then claim it form the guilty driver’s insurance carrier as a recompense. The onus of proving that the medical care taken was within reasonable limits, and a definite need of the hour, lies on the injured party. Further, the at-fault party is not entitled to resort to the law for repayment of the medical expenditure.
The auto insurance cover is not only necessary to cover you in case of accidents but also for you to be rid of any worries on that score. Not having insurance cover on your precious car can actually lead to a lot of expenses in the form of fine, penalties and even the suspension of your vehicles registration and confiscation of your driving license.
In case of accidents, the law enforcement officer will demand for a proof of auto insurance. The department of motor vehicles is in the know about all auto insurance policies held, new polices or renewals, cancellations if any. In any case, the law enforcement officers have access to all these records and trying to hoodwink them could actually incur huge penalties or even worse punishments.
It’s best to follow the law and pay for your auto insurance. You can always work out which auto insurance cover would best serve your purpose and at the same time be cost-effective by means of an online search. Following your state’s mandates on auto insurance is prudent.
Online search for better and cheaper auto insurance can prove to be a cumbersome exercise if one doesn’t know how to go about it. The reason being, there are far too many options available for the owner to come to any relevant conclusion as to the type of auto cover that would best suit his or her purpose. Comparing will not only enhance your knowledge on auto insurance but also save precious money.


There are two ways one can reduce costs on the ever-increasing auto insurance rates. One is to find the cheapest auto insurance rates and the other is to take advantage of all the discounts and bonuses on offer. This dual approach ought to help reduce your costs largely.
A quick preview on how to get the least rates on your auto insurance cover: The various aspects one must look into are as follows:
Deductibles – if they happen to be less than $500, you need to recheck. Keeping a high deductible ensures that the insurance companies can offer a cut in their rates
State mandates on the minimum cover to be insured on your car irrespective of the type of vehicle may mislead you into paying a rate underlined for the minimum cover. The possibility of combing more than one policy with the same provider should take care of the minimum limits with a cheaper auto insurance cover. If each of your assets whether home, renters or condo insurance is to be covered individually the total minimum cover for each would total to a vast amount.
Installing safeguards like car alarms and extra airbags entitles you to cuts in your rates and at the same time afford better safety standards for you, your family and your precious assets
Keeping your DMV records free from blemishes; and taking those courses might just prove to be the best thing you ever did for personal safety
If planning on marriage, take your vows before taking the insurance cover, it’ll reduce your rates further
Having a policy cover for a longer duration helps cut costs, especially if you get a ticket or are involved in an accident. If your policy is soon due for renewal these incidents will hike rates, whereas if you have time, taking a driving safety course helps mitigate costs
As you age, your insurance burden automatically decreases. The upper limit is 30, so in case you are younger you need to make sure you do any of the above to earn brownie points.
For a quick preview on various discounts on offer ranging from a mere 3% of the base cost of your premium to a 25 to 30% reduction in your rates:
Safety features such as airbags, anti-lock brakes, anti-theft alarm, daytime running lights and automatic seat belts, a VIN – vehicle identification number, etc. all qualify for a huge discount in rates
Multi-car coverage, and renewal of all your insurance policies with one company are entitlements to discounts
Maintaining a good driving record with zero tickets and accident-free report; keeping copies of all documentation to check for errors made by the law enforcement agencies augurs well for discounts
Maintaining a good credit score ensures discounts and if you happen to be a student, your grades and enrolling for a good driving course enlarge the cache of your discounts
Other discounts by virtue of your calling or office viz. military personnel or Para military forces Guards, being members of a credit union too attract discounts and cuts in spending
Teachers belong to some states belonging to the NEA – National Education Association, senior citizens, carpool participants or those using public transportation to work get entitled to discounts


With car sales mounting, roads are getting cramped with heavy traffic. You never know what the outcome on a busy road can be. You maybe a driver with a cool temperament and a clean driving record but on a given day maddening thoughts can bring alive the rowdy on the road.
Rash driving is responsible for a number of accidents all over the world. There is no way you can prevent an accident from taking place, but adequate insurance cover can ensure that you wouldn’t incur losses caused by you in an accident to the other party. Your auto insurance company will take care of your needs. It is important to have an adequate cover of car insurance that will help you in the event of an accident.
The prescribed limit for the required basic auto insurance differs in every state and the citizens of every state have to abide by the laws of that state. Apart from steep fines, your license and registration of the car maybe revoked and sometimes jail terms can be imposed if you are caught driving without car insurance. Some states require you to carry a proof of insurance while driving while others may not hold it as a compulsion but clearly state that you need to show some kind of circumstantial proof to the other party involved in an accident.
Auto insurance companies offer different types of policies for your car that you can purchase. The premiums on various policies vary in different states in accordance with the type of policy issued by various auto insurance companies.
A deductible is the fixed proportion of the amount paid by the individual when his car is repaired or worked upon according to the terms of the auto insurance policy. In case, the cost of repair exceeds the worth of the vehicle, the auto insurance company deducts the extra amount on the settlement claim informing the individual.
There are different car insurance policies such as comprehensive coverage, UM/UIM, (Uninsured/underinsured motorist coverage) and liability coverage which includes (PD) property damage and (BI) bodily injury. These coverage policies vary under the jurisdiction of the law in that state and according to the policies of different auto insurance companies in that state.
Many car owners are opting for comprehensive coverage as it provides coverage for damage of your car occurring from events such as thefts, vandalism, fire, and natural disasters such as floods, tornados, and earthquakes. The premiums paid on comprehensive coverage are very high as compared to the ones paid for other types of insurance coverage. Although each state requires the individual of a car to have the minimum insurance coverage it is always advisable to go in for more than the prescribed limit to be safe.
Different auto insurance companies offer different rates on premiums based on the individuals age, marital status, driving record, credit scores and other factors that help determine the authenticity of the individual. Auto insurance coverage ensures that you be free of the hassles that arise from an accident.