Showing posts with label Repair. Show all posts
Showing posts with label Repair. Show all posts

Monday, August 19, 2013

Replace or Repair? That's the Home Improvement Question

    FORT MILL, SC, August 03, 2013 /24-7PressRelease/ -- Maintenance and improvement are both essential realities of home ownership. From windows and skylights to gas ranges and front doors, everything in your home will eventually need some work. But how do you know when something simply needs repair, or merits being replaced?

Of course, each situation will be as unique as the home in which it occurs - and as individual as the homeowners themselves. A few good rules of thumb, however, do apply in most cases. When you're considering repair or replacement, ask yourself these questions:

* How old is the malfunctioning item?
* How extensive/pervasive is the problem?
* Will the cost of repair approach the cost of replacement?
* Which course - repair or replace - will yield the maximum energy efficiency?
* How does the cost of repair measure up to the value it will provide? How does replacement stack up using the same measure?

To help you get an idea of how these rules apply, here's what some experts have to say about home elements that frequently raise the repair/replace question:

Skylights

While some modern skylights are energy-efficient, qualifying to use the ENERGY STAR mark (visit www.energystar.gov) and leak-free, if you have an older, plastic model it's probably a good idea to replace it. Not only are older plastic bubble-type skylights often faded and unsightly, reducing visibility, they are not UV resistant, are not energy efficient, and are much more likely to leak.

Replace or Repair? - P. 2
"There are many of those unattractive, cracked and yellowed plastic skylights still in use," says Ross Vandermark, national product manager of Velux America, which manufactures the warranted "No-Leak Skylight." "Replacing them with new energy-efficient, double-pane (insulating) glass models is quick and easy. They don't leak, they look better, they reduce UV rays and provide substantial energy savings."

In fact, based on an estimate of 15 cents per kwh/hr., replacing an old plastic skylight with a Energy Star-qualified Velux skylight can save a 2,000-square-foot home about $194 a year on cooling costs, a company study shows.

And if you choose a no leak solar powered fresh air skylight for a replacement the product will be eligible for a 30 percent federal tax credit. Make the package even more energy efficient by adding a solar powered blind and both products, plus the installation, qualify for the tax credit. Both the skylight and the blind are operated by the same remote control and the skylight closes automatically in case of rain.

Solar powered blinds are available in a variety of functional styles, including blackout to block light, light filtering to diffuse light, or Venetian to adjust light. And the blinds are available in designer colors and patterns to add a fresh look to your room decor. And, depending on the age and condition of even older glass skylights, it's not a bad idea to consider a modern, more energy efficient model with more features, especially if you're planning to replace your roof shingles or other surface. To learn more about replacement skylights, visit www.veluxusa.com. There's an app there that will enable you to see how skylights will look in your own home plus a tax credit calculator that will show you how much you can save on a replacement skylight or a new unit installation.

Windows
Recent research shows that skylights and vertical windows can work well together to effectively daylight a home while contributing to heating and cooling energy savings.

Like skylights, windows have vastly improved in energy efficiency over the past few decades. Leaky, inefficient windows can be a major source of heat loss in a home, boosting energy bills and decreasing the comfort level indoors. Window manufacturer Pella points to these signs that old windows need to be replaced:

* They're difficult to open or close.
* You can feel air leaking in or out around them.
* Condensation or fogging occurs on or between glass panes.
* You can see chipping, deterioration or water stains on the window or the wall around it.
* Cleaning is a major chore and you avoid it because of the difficulty.
* It's difficult or impossible to find replacement parts for the old windows.

The Efficient Windows Collaborative (www.efficientwindows.org) site also provides extensive information on selecting both windows and skylights, including fact sheets and computer simulations for typical houses using a variety of windows in a number of U.S. cities.

Heating, ventilation and air-cooling

Furnaces and air conditioning units are among the most important parts of your home's infrastructure; they're directly responsible for the comfort level and air quality inside your home. They're also among the more costly items to repair or replace.

So how do you know when it's time to replace part of your heating, ventilation and air conditioning (HVAC) system? EnergyStar.gov offers these guidelines:

* If your heat pump or air conditioner is older than 10 years.
* Your furnace or boiler is more than 15 years old.
* Your energy bills are spiking.
* Equipment needs frequent repair.
* Some rooms are too hot while others are too cold.
* The HVAC system is very noisy.
* Your home is very dusty.

Replacing older HVAC systems with newer, Energy Star-qualified units can significantly impact your heating and cooling costs, according to EnergyStar.gov. An Energy Star-qualified heat pump or AC unit can save up to 20 percent on heating and cooling costs, the website says. You can learn more at www.energystar.gov.

Media Contact:
Keith Hobbs - Business Services Associates, Inc. - 9413 Greenfield Drive -
Raleigh, NC 27615-2306 - Phone - 919.844.0064 - E-mail - khobbs@nc.rr.com


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Sunday, April 21, 2013

Repossession Removal Las Vegas Credit Repair - Vivix Credit Solutions Credit Repair Services - Bad Credit We Fix it Fast! Credit Repair Company Las Vegas

FOR IMMEDIATE RELEASE
Las Vegas, Nevada, United States of America (Free-Press-Release.com) April 12, 2013 -- Vivix Credit Solutions specializes in Repossession Removal and Las Vegas Credit Repair services.

Vivix Credit Solutions is a licensed and bonded credit service organization that has successfully assisted clients with credit repair and correcting or removing repossessions that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus. Bad Credit We Fix it Fast!

Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes or errors can and will occur and may affect your credit score.

Repossession is generally used to refer to a financial institution taking back an object that was either used as collateral or rented or leased in a transaction. Repossession is a type of action in which the party having right of ownership of the property in question takes the property back from the party having right of possession without invoking court proceedings. The property is then sold on by either the financial institution or 3rd party sellers. This is normally referred to as an “involuntary repossession”.

A voluntary repossession occurs when the party who has the right of possession (debtor) voluntarily returns the collateral or rented equipment back to the party who has the right of ownership (creditor). Both types of repossessions can be reported to the credit bureaus. Whether a repossession is voluntary or involuntary, the account will still be considered a negative notation on a credit report. One type of repossession is no better than the other.

The act of repossessing the collateral does not necessarily satisfy the debt owed. In many cases, the collateral sold does not pay off the loan on the collateral. This leaves what is called a deficiency balance on the loan and this deficiency balance will still be owed by the debtor. The creditor can then pursue the collection of this deficiency balance through a collection agency or a law suit. The creditor will also list this deficiency balance on the consumer’s credit file.

A repossession can negatively impact your credit score by up to 100 points, depending on your overall credit history. These types of notations can remain on your credit report for up to 7 years.

Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair program to meet your needs, provide you with pricing, and answer any questions that you may have about your credit, repossession removal, and credit repair services.

Vivix Credit Solutions will also show you proof of the hundreds of Las Vegas clients who have received our credit repair services and will also show you proof of repossession removals. Bad Credit We Fix it Fast!

If you have a repossession that is more than 7 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the repossession from your credit report.

Vivix Credit Solutions can also assist you with:
• Late Payment Removal
• Collection Removal
• Charge-off Removal
• Foreclosure Removal
• Judgment Removal
• Bankruptcy Removal
• Tax Lien Removal
• Inquiry Removal
• ID Theft Correction
• Credit Score

Note: According to industry research 70% of all credit reports have more than three errors in the consumer’s credit file. Consumer Credit File Rights under Federal and State Law allows you to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or “credit repair” organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.


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Saturday, April 20, 2013

Tax Lien Removal Las Vegas Credit Repair - Vivix Credit Solutions Credit Repair Services - Bad Credit We Fix it Fast! Credit Repair Company Las Vegas

FOR IMMEDIATE RELEASE
Las Vegas, Nevada, United States of America (Free-Press-Release.com) April 12, 2013 -- Vivix Credit Solutions specializes in Tax Lien Removal and Las Vegas Credit Repair services.

Vivix Credit Solutions is a licensed and bonded credit service organization that has successfully assisted clients with credit repair and correcting or removing tax liens that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus. Bad Credit We Fix it Fast!

Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes or errors can and will occur and may affect your credit score.

A Tax Lien refers to the Government’s right to encumber property or wages when taxes are owed and are not paid. Tax Liens can be ordered by the City, County, State or Federal Governments. Tax liens are harmful and can remain on your credit report indefinitely if they are not paid. Once the record is paid it can remain on your credit report for up to 10 years from the satisfied date.

In the United States, a federal tax lien may arise in connection with any kind of federal tax, including but not limited to income tax, gift tax, or estate tax. The statute of limitations under which a federal tax lien may become "unenforceable by reason of lapse of time" is found at 26 U.S.C. § 6502. For taxes assessed on or after November 6, 1990, the lien generally becomes unenforceable ten years after the date of assessment. For taxes assessed on or before November 5, 1990, a prior version of section 6502 provides for a limitations period of six years after the date of assessment. Various exceptions may extend the time periods.

In order to have the record of a lien released a taxpayer must obtain a Certificate of Release of Federal Tax Lien. Generally, the IRS will not issue a certificate of release of lien until the tax has either been paid in full or the IRS no longer has a legal interest in collecting the tax. Many people who owe a significant amount of debt may choose to offer a settlement of the debt. This is referred to as an offer in compromise. However, a properly submitted offer in compromise does not affect a tax lien, which remains effective until the offer is accepted and the offered amount is fully paid. Once the compromised amount is paid, the taxpayer could request removal of the lien.

A Tax Lien can damage your credit scores by up to 100 points and will limit your ability to obtain new credit. Most lenders will require for you to either have the lien paid or to have a payment plan in place with the lien holder before issuing any new credit.

Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair program to meet your needs, provide you with pricing, and answer any questions that you may have about your credit, tax lien removal, and credit repair services. Bad Credit We Fix it Fast!

Vivix Credit Solutions will also show you proof of the hundreds of Las Vegas clients who have received our credit repair services and will also show you proof of tax lien removals.

If you have a paid tax lien that is more than 7 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the tax lien from your credit report.

Vivix Credit Solutions can also assist you with:
• Late Payment Removal
• Collection Removal
• Charge-off Removal
• Foreclosure Removal
• Judgment Removal
• Repossession Removal
• Bankruptcy Removal
• Inquiry Removal
• ID Theft Correction
• Credit Score

Note: According to industry research 70% of all credit reports have more than three errors in the consumer’s credit file. Consumer Credit File Rights under Federal and State Law allows you to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or “credit repair” organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.


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Friday, April 19, 2013

Judgment Removal Las Vegas Credit Repair - Vivix Credit Solutions Credit Repair Services - Bad Credit We Fix if Fast!

FOR IMMEDIATE RELEASE
Las Vegas, Nevada, United States of America (Free-Press-Release.com) April 12, 2013 -- Vivix Credit Solutions specializes in Judgment Removal and Las Vegas Credit Repair services.

Vivix Credit Solutions is a licensed and bonded credit service organization that has successfully assisted clients with credit repair and correcting or removing judgments that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus. Bad Credit We Fix if Fast!

Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes or errors can and will occur and may affect your credit score.

A judgment is the official decision of a court/judge at the completion of a law suit. It indicates that the court has resolved the issue(s) brought before the court. A judgment can favor either the plaintiff or the defendant. This judgment can then be reported to the credit bureaus a matter of public record.

In addition, the judgment creditor (winner of the law suit) can then pursue additional legal action such as a wage garnishment or tax levy. This will allow for the wages/income or bank account of the judgment debtor to be withdrawn according to the court order.

An unpaid judgment can remain on your credit report for up to 7 years and can damage your credit scores by up to 100 points. A judgment will also hinder your ability to obtain new credit, as most lenders will require for a judgment to be paid before they can issue any new credit.

If you own real property, a judgment can also be filed as an encumbrance to the title of your property which can prevent the property from being sold or refinanced without first satisfying the related judgment.

Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair program to meet your needs, provide you with pricing, and answer any questions that you may have about your credit, judgment removal, and credit repair services. Bad Credit We Fix if Fast!

Vivix Credit Solutions will also show you proof of the hundreds of Las Vegas clients who have received our credit repair services and will also show you proof of judgment removals.

If you have a judgment that is more than 7 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the judgment from your credit report.

Vivix Credit Solutions can also assist you with:
• Foreclosure Removal
• Late Payment Removal
• Collection Removal
• Charge-off Removal
• Bankruptcy Removal
• Repossession Removal
• Tax Lien Removal
• Inquiry Removal
• ID Theft Correction
• Credit Score

Note: According to industry research 70% of all credit reports have more than three errors in the consumer’s credit file. Consumer Credit File Rights under Federal and State Law allows you to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or “credit repair” organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.


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Wednesday, April 17, 2013

Foreclosure Removal Credit Repair - Vivix Credit Solutions Las Vegas - Bad Credit We Fix it Fast!

FOR IMMEDIATE RELEASE
Las Vegas, Nevada, United States of America (Free-Press-Release.com) April 12, 2013 -- Vivix Credit Solutions is a licensed and bonded credit service organization that has successfully assisted clients with credit repair and correcting or removing foreclosures that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus. Bad Credit We Fix it Fast!
Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes or errors can and will occur.
Foreclosure is the legal process by which a mortgagee or lender obtains a termination of a mortgagor's equitable right of redemption, either by court order or by operation of law. There are several types of foreclosure, with judicial foreclosure and nonjudicial foreclosure being the most popular.
Foreclosure has become a possible reality millions of Americans may face, and many are dealing with the after effects that a foreclosure may have on their credit report. A foreclosure will cause a credit score to drop sharply, typically by 200 to 300 points. But even though a foreclosure can remain active on your credit report for seven years and make it difficult in certain buying situations, it won't ruin your credit score for life. With the proper credit repair techniques, and keeping up with your other credit obligations, your credit score can successfully rebound from a foreclosure.
Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair program to meet your needs, provide you with pricing, and answer any questions that you may have about your credit, foreclosure removal, and credit repair services.
Vivix Credit Solutions will also show you proof of the hundreds of clients who have received our credit repair services and will also show you proof of foreclosure removals.Bad Credit We Fix it Fast!
As noted in the Fair Credit Reporting Act, foreclosures should automatically be removed from your credit report by each credit bureau 7 years from the last date of activity.
If you have a foreclosure that is more than 7 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the foreclosure from your credit report.
Vivix Credit Solutions can also assist you with:
• Late Payment Removal
• Collection Removal
• Charge-off Removal
• Bankruptcy Removal
• Judgment Removal
• Repossession Removal
• Tax Lien Removal
• Inquiry Removal
• ID Theft Correction

Bad Credit We Fix it Fast!

Note: According to industry research 70% of all credit reports have more than three errors in the consumer’s credit file. Consumer Credit File Rights under Federal and State Law allows you to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or “credit repair” organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

Visit Our Website: VivixCreditSolutions.com
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Sunday, April 14, 2013

Bankruptcy Removal Las Vegas Credit Repair - Vivix Credit Solutions Credit Repair Services - Bad Credit We Fix it Fast!

1 Bankruptcy Removal Las Vegas Credit Repair - Vivix Credit Solutions Credit Repair Services - Bad Credit We Fix it Fast! Bankruptcy Removal Las Vegas Credit Repair - Vivix Credit Solutions Credit Repair Services - Bad Credit We Fix it Fast!

More info:

http://vivixcreditsolutions.com/ FOR IMMEDIATE RELEASE
Las Vegas, Nevada, United States of America (Free-Press-Release.com) April 12, 2013 -- Vivix Credit Solutions is a licensed and bonded credit service organization that has successfully assisted clients with credit repair and correcting or removing bankruptcies that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus. Bad Credit We Fix it Fast!

Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes or errors can and will occur and may affect your credit score.

There are six types of bankruptcy under the Bankruptcy Code, however, the two most common types of bankruptcies for individuals are:

Chapter 7: Basic liquidation for individuals and businesses; also known as straight bankruptcy; it is the simplest and quickest form of bankruptcy available. The debtor surrenders his or her non-exempt property to a bankruptcy trustee who then liquidates the property and distributes the proceeds to the debtor's unsecured creditors. In exchange, the debtor is entitled to a discharge of some debt; however, the debtor will not be granted a discharge if he or she is guilty of certain types of inappropriate behavior (e.g. concealing records relating to financial condition) and certain debts (e.g. spousal and child support, student loans, some taxes) will not be discharged even though the debtor is generally discharged from his or her debt. Many individuals in financial distress own only exempt property (e.g. clothes, household goods, an older car) and will not have to surrender any property to the trustee. The amount of property that a debtor may exempt varies from state to state. Chapter 7 relief is available only once in any eight year period.

Chapter 13: Rehabilitation with a payment plan for individuals with a regular source of income; enables individuals with regular income to develop a plan to repay all or part of their debts; also known as Wage Earner Bankruptcy. The debtor retains ownership and possession of all of his or her assets, but must devote some portion of his or her future income to repaying creditors, generally over a period of three to five years. The amount of payment and the period of the repayment plan depend upon a variety of factors, including the value of the debtor's property and the amount of a debtor's income and expenses. Secured creditors may be entitled to greater payment than unsecured creditors. Relief under Chapter 13 is available only to individuals with regular income whose debts do not exceed prescribed limits.

According to the CEO of Fair Isaac Company (FICO) filing a Bankruptcy can cause the most severe damage to your credit score. Filing a Bankruptcy can damage your credit scores up to 150 points and the public record displayed on your credit file can remain for up to 10 years. Many consumers are advised that filing a bankruptcy will provide them with a “clean slate” with their credit. However, this is not the case. Although filing a bankruptcy may eliminate some of your financial obligations, it does not correct or remove negative accounts from your credit report.

Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair program to meet your needs, provide you with pricing, and answer any questions that you may have about your credit, bankruptcy removal, and credit repair services. Bad Credit We Fix it Fast!

Vivix Credit Solutions will also show you proof of the hundreds of Las Vegas clients who have received our credit repair services and will also show you proof of bankruptcy removals.

As noted in the Fair Credit Reporting Act, bankruptcies should automatically be removed from your credit report by each credit bureau 7-10 years from the last date of filing.

If you have a bankruptcy that is more than 7-10 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the bankruptcy from your credit report.

Vivix Credit Solutions can also assist you with:
• Late Payment Removal
• Collection Removal
• Charge-off Removal
• Foreclosure Removal
• Judgment Removal
• Repossession Removal
• Tax Lien Removal
• Inquiry Removal
• ID Theft Correction
• Credit Score

Note: According to industry research 70% of all credit reports have more than three errors in the consumer’s credit file. Consumer Credit File Rights under Federal and State Law allows you to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or “credit repair” organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for


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