We’re looking for savvy individuals that are hard workers, money-motivated, and career-driven. If you think working a 9-5 is an ideal setting, this is probably not the job for you.

Serious inquiries only!! If you have a great attitude, are willing to learn, want to make great money, and always strive to be the best at what you do, we may be a good fit for you.

You should:

– Love to make money
– Desire to be a top salesperson
– Be willing and able to learn quickly
– Be goal-oriented
– Have proven success in past sales positions
– Be proficient with a computer
– CRM knowledge preferred
– Not be afraid to pick up the phone 50 times a day and call
– Have a strong work ethic
– Be able to compassionately speak with people about sensitive financial topics
– Be team-oriented (We are a very close group and do a lot of things together outside of work)
– Adapt to and accept change
– Like to work in a fun and exciting work environment (We work hard but we also play hard too!)

IF YOU DON’T MEET ALL THE REQUIREMENTS ABOVE, PLEASE DON’T APPLY.

We can offer you:

– Competitive base salary
– Great commission structure
– W2 employment (not a contract position)
–  Full benefits, including 401k
– World class sales and product training
– ALL LEADS PROVIDED by warm referral source, no cold calling
– Plenty of room for growth within the company

We conduct a lengthy interview process to be sure each candidate is a good fit for our team. If you follow the steps below and meet the requirements above, you can expect the process to include an initial phone interview, two in-person interviews, and a 1/2 day job preview in our office.

If you think you have what it takes to work with us, please follow the instructions below:

Please go to http://joinncf.com/discoverawesome

There is a questionnaire you need to fill out. After the questionnaire you will be asked to select a time slot to schedule your own interview. The time slots are on first-come, first-served basis.

We look forward to meeting with you.

**NOTE**

Do not respond via our contact form. All applicants who want to be considered need to go to http://joinncf.com/discoverawesome and fill out the questionnaire. No phone calls, please.

Thanks for your time – we really look forward to meeting you!

The post NCF is Hiring! appeared first on National Credit Federation.

Tampa, FL – October 2, 2015 – The multi-million dollar credit repair company, National Credit Federation (NCF), is proud to announce that it has earned exclusive rights to DisputeCRM, which is a groundbreaking new software for the credit repair industry. DisputeCRM is the fastest, most reliable and easy-to-use credit repair software on the market, and is specifically engineered for the credit repair industry. DisputeCRM, which gained the interest of many players in the business, will now be unique to NCF.

According to Dave Fulk, President of National Credit Federation, “DisputeCRM was initially developed for the entire credit repair industry. As soon as we saw how advanced this system was and how far beyond it was to anything else on the market, we knew we had to have it! So we went to work and were able to secure exclusive rights to DisputeCRM.”

This new software recognizes and solves the obstacles that the industry has long faced. Instead of a standard of mediocrity that has clouded the credit repair business for years, DisputeCRM addresses four key pillars which will revolutionize the way the industry does business. Those four pillars are:
• Speed
• Reliability
• Scalability, and
• Mobility

DisputeCRM will be instrumental in NCF’s ability to reach their fullest potential. The company is proud to be on the cutting edge of technology.

About NCF:
National Credit Federation is a nationwide, membership-based organization. Members are individuals who are currently in the midst of, or have successfully come through, a financial crisis

Contact:
Dave Fulk
2803 West Busch Blvd., Suite 210
Tampa, FL 33618
813-515-0813
###

The post National Credit Federation Gains Exclusive Rights to Groundbreaking Software, DisputeCRM appeared first on National Credit Federation.

Can Renting Build Credit History

 
Historically building an impressive credit history and higher score was done by paying mortgage, student, and auto loans as well as credit cards on time. The tracking of other reoccurring payments such as rent, cable, utility and mobile phone payments wasn’t taken into account. Even if someone never missed a payment they would still end up with no credit to speak of.
 
Two of the major credit bureaus: TransUnion and Experian are now incorporating rental data in the credit profiles. So paying rent on time can now be an opportunity to increase your credit score.
 
These two bureaus are gathering information through RentTrac. So renters that use RentTrac to make payments are providing information to Equifax and TransUnion.
 
A study done by RentBureau found that after Experian started gathering this information 97% of the study group built a credit score based on their payment history.
 
This also benefitted people already with credit scores also by increasing them 29 points on average.

More Changes?

While bureaus don’t currently count payments on utility, cable, mobile phones, doctors and hospitals, there is a support growing for including some of these into credit history as well.
 
The reasons for this support is because currently paying your phone bills on time doesn’t do anything for your score. However if you fall behind and it goes to collections, that will have a negative impact on your credit score.
 

Credit history, scores may improve with bureau changes by csmonitor.com

The post Rental Payments and Credit Reporting appeared first on National Credit Federation.

Gendelman, along with Pam Marron, a Mortgage Broker in the Trinity area, have been relentless in their fight against the way banks and mortgage companies along with the credit bureaus have been unfairly punishing people forced to short sale their home in this difficult real estate market.

Here is the full, unedited article:

NEW PORT RICHEY, Fla. — When his home’s value plunged, George Albright opted to sell it for less than he owed, believing the ‘‘short sale’’ would scar his credit less than a foreclosure.

But after saving for a down payment and building back his credit, the single father learned he still wouldn’t qualify for a new loan. After two years in the penalty box, underwriters said, he still had five years to go.

To his surprise, his credit history showed a foreclosure, a ‘‘kiss of death’’ stemming from a strange credit quirk. Banks and credit bureaus have no special code to report a short sale.

Without the distinction, homeowners who won the bank’s approval for a short sale of their underwater home are seen as no different than years-long defaulters who ended in foreclosure.

Loan and credit experts call this oversight one of the biggest challenges for today’s short sellers.

‘‘They’re very frustrated and sad and disillusioned by the whole thing,” said Joe ­Gendelman, Florida director of the National Credit Federation, a Tampa credit-restoration firm.

When hopeful borrowers ask for loans, their credit histories are run through automated underwriting systems that assess whether they might pose a risk to the lender.

The systems follow guidelines from mortgage giants Fannie Mae and Freddie Mac that suggest foreclosed borrowers should wait seven years before receiving a new loan. Short sellers, guidelines said, could qualify in two years.

But without a specific credit code for short sales, the distinction between waiting periods is lost. Homeowners who went through the short-sale process, finding buyers and winning bank approval, are penalized exactly like defaulters who walked away.

Credit agencies said the label is correct in portraying a mortgage gone wrong: whether short sale or foreclosure, the loan was unpaid. But some said the mistaken message began at a level outside their control, perhaps in the credit-reporting system itself.

‘‘Where we have found the discrepancies occurring is in the underwriting process, and codes are being misinterpreted somewhere during this process,’’ Experian spokeswoman Kristine Snyder said. ‘‘This is a concern to us, and we are currently working to learn more about the issue and how it can be remedied.’’

Messages left with the Consumer Data Industry Association, which developed the credit-reporting system, Metro 2, that serves as the industry standard, were not returned.

No one tracks how many short sales have been reported as foreclosures, though Realty­Trac data show more than 2 million Americans have completed short sales since the housing bubble burst.

The missing code was barely an issue before the bust because short sales were so rare.

Banks have begun approving short sales more and more because they are cheaper and less of a hassle than foreclosures.

Short sellers must prove a hardship, like a lost job, medical ailment or divorce, to escape their debt, and even then some are hounded by judgments to pay back deficiencies.

Short sales leave lasting credit scars, hurting sellers’ ability to qualify for everything from car leases to credit cards. But they also allow sellers to leave bad loans behind without seeing their homes repossessed.

Credit experts disagree over what lenders can truly learn from a few bad years during the recession. Clifton O’Neal, a spokesman for TransUnion, one of the big three credit bureaus, referred on Friday to a report that said ‘‘short sales are, in fact, indicative of future elevated credit risk.’’

But a TransUnion report in 2011, Life after Foreclosure and Hidden Opportunities, said ‘‘life event’’ defaulters who missed loan payments during the recession ‘‘are otherwise good credit risks,’’ whose short-term woes were not symbolic of some larger economic flaw.

Blacklisting short sellers could dent the housing market as prospective buyers remain sidelined by rejection. Terry Clemans, executive director of the National Credit Reporting Association, said the lack of a distinct code hurts lenders and credit agencies, too, by obscuring the full picture of a prospective borrower’s past.

‘‘It skews the ability down the road to properly document what really happened, and when this consumer should get back in the market,’’ Clemans said. ‘‘The sooner the system is changed to properly document the difference . . . the better.’’

The only solution so far, Trinity mortgage broker Pam Marron said, has been to turn to short-term fixes.

Responding to questions over how it processes the cases, Fannie Mae issued a clarification in March saying its underwriting system could not identify short sales ‘‘with 100 percent accuracy’’ as long as no short-sale code was in place. Lenders, it said, would need to check whether the ‘‘significant derogatory event’’ was a short sale on a case-by-case basis.

Some borrowers have cleared the scarlet letter by petitioning their banks to certify the short sales in letters to the credit bureaus. But brokers said the process is slow, inconsistent, and far from a long-term fix.

Potential solutions, like a form letter for banks to certify borrowers’ short sales, have gained ground among regulators, Marron said.

But for now, borrowers like Albright, who has worked for more than six months to clear his record, will have to keep renting and waiting to sign the loan for a new home.

http://www.bostonglobe.com/business/2013/04/15/short-sale-may-count-against-you-just-like-foreclosure/izriAT1k2Whk4jfOcDICeO/story.html

For more information about how National Credit Federation can help you with your financial situation, please call the number on the top of this page.

The post National Credit Federation is Leading the Fight against Unfair Reporting Practices appeared first on National Credit Federation.

Shannon Behnken from News Channel 8 did a great story highlighting an issue that affects thousands of former home owners in the Tampa Bay area. For her story she spent a good amount of time interviewing our own, Joe Gendelman, Regional Director for National Credit Federation.

Here is a link to the full story and you can read some excerpts below:

“The benefit of entering a short sale agreement is that you’ll be able to re-enter the housing market a lot quicker than having a foreclosure on your credit,” said Joe Gendelman, of National Credit Federation in Tampa.

Gendelman said he’s working with dozens of clients who went through short sales, but then found a foreclosure listed on their credit years later.

The problem is bank and credit bureaus have no special code to report a short sale, so when a new lender checks your credit, it often shows up as a foreclosure.

So thousands of Bay area homeowners who completed short sales years ago are now having trouble buying another home, or even a car.

“Forty percent of homes in the state of Florida are under water. So, it really creates a mountain that if people need to sell for some reason, many times they would have to be forced to do a short sale,” Gendelman said.

If you have gone through a short sale with your own property, you can call Joe Gendelman directly at 813-425-1364, or reach him by email: jgendelman@nationalcreditfederation.com. Also, Joe Gendelman is happy to offer no obligation consultations to anyone who would like a professional to review their credit report. Joe is trained and experienced in looking for inaccuracies, inconsistencies, out-dated, and un-verifiable information on a credit report that may be damaging your credit score. Call him today!

The post News Channel 8 Interviews NCF Regional Director Joe Gendelman appeared first on National Credit Federation.

Gendelman, along with Pam Marron, a Mortgage Broker in the Trinity area, have been relentless in their fight against the way banks and mortgage companies along with the credit bureaus have been unfairly punishing people forced to short sale their home in this difficult real estate market.

Here is the full, unedited article:

NEW PORT RICHEY, Fla. — When his home’s value plunged, George Albright opted to sell it for less than he owed, believing the ‘‘short sale’’ would scar his credit less than a foreclosure.

But after saving for a down payment and building back his credit, the single father learned he still wouldn’t qualify for a new loan. After two years in the penalty box, underwriters said, he still had five years to go.

To his surprise, his credit history showed a foreclosure, a ‘‘kiss of death’’ stemming from a strange credit quirk. Banks and credit bureaus have no special code to report a short sale.

Without the distinction, homeowners who won the bank’s approval for a short sale of their underwater home are seen as no different than years-long defaulters who ended in foreclosure.

Loan and credit experts call this oversight one of the biggest challenges for today’s short sellers.

‘‘They’re very frustrated and sad and disillusioned by the whole thing,” said Joe ­Gendelman, Florida director of the National Credit Federation, a Tampa credit-restoration firm.

When hopeful borrowers ask for loans, their credit histories are run through automated underwriting systems that assess whether they might pose a risk to the lender.

The systems follow guidelines from mortgage giants Fannie Mae and Freddie Mac that suggest foreclosed borrowers should wait seven years before receiving a new loan. Short sellers, guidelines said, could qualify in two years.

But without a specific credit code for short sales, the distinction between waiting periods is lost. Homeowners who went through the short-sale process, finding buyers and winning bank approval, are penalized exactly like defaulters who walked away.

Credit agencies said the label is correct in portraying a mortgage gone wrong: whether short sale or foreclosure, the loan was unpaid. But some said the mistaken message began at a level outside their control, perhaps in the credit-reporting system itself.

‘‘Where we have found the discrepancies occurring is in the underwriting process, and codes are being misinterpreted somewhere during this process,’’ Experian spokeswoman Kristine Snyder said. ‘‘This is a concern to us, and we are currently working to learn more about the issue and how it can be remedied.’’

Messages left with the Consumer Data Industry Association, which developed the credit-reporting system, Metro 2, that serves as the industry standard, were not returned.

No one tracks how many short sales have been reported as foreclosures, though Realty­Trac data show more than 2 million Americans have completed short sales since the housing bubble burst.

The missing code was barely an issue before the bust because short sales were so rare.

Banks have begun approving short sales more and more because they are cheaper and less of a hassle than foreclosures.

Short sellers must prove a hardship, like a lost job, medical ailment or divorce, to escape their debt, and even then some are hounded by judgments to pay back deficiencies.

Short sales leave lasting credit scars, hurting sellers’ ability to qualify for everything from car leases to credit cards. But they also allow sellers to leave bad loans behind without seeing their homes repossessed.

Credit experts disagree over what lenders can truly learn from a few bad years during the recession. Clifton O’Neal, a spokesman for TransUnion, one of the big three credit bureaus, referred on Friday to a report that said ‘‘short sales are, in fact, indicative of future elevated credit risk.’’

But a TransUnion report in 2011, Life after Foreclosure and Hidden Opportunities, said ‘‘life event’’ defaulters who missed loan payments during the recession ‘‘are otherwise good credit risks,’’ whose short-term woes were not symbolic of some larger economic flaw.

Blacklisting short sellers could dent the housing market as prospective buyers remain sidelined by rejection. Terry Clemans, executive director of the National Credit Reporting Association, said the lack of a distinct code hurts lenders and credit agencies, too, by obscuring the full picture of a prospective borrower’s past.

‘‘It skews the ability down the road to properly document what really happened, and when this consumer should get back in the market,’’ Clemans said. ‘‘The sooner the system is changed to properly document the difference . . . the better.’’

The only solution so far, Trinity mortgage broker Pam Marron said, has been to turn to short-term fixes.

Responding to questions over how it processes the cases, Fannie Mae issued a clarification in March saying its underwriting system could not identify short sales ‘‘with 100 percent accuracy’’ as long as no short-sale code was in place. Lenders, it said, would need to check whether the ‘‘significant derogatory event’’ was a short sale on a case-by-case basis.

Some borrowers have cleared the scarlet letter by petitioning their banks to certify the short sales in letters to the credit bureaus. But brokers said the process is slow, inconsistent, and far from a long-term fix.

Potential solutions, like a form letter for banks to certify borrowers’ short sales, have gained ground among regulators, Marron said.

But for now, borrowers like Albright, who has worked for more than six months to clear his record, will have to keep renting and waiting to sign the loan for a new home.

http://www.bostonglobe.com/business/2013/04/15/short-sale-may-count-against-you-just-like-foreclosure/izriAT1k2Whk4jfOcDICeO/story.html

For more information about how National Credit Federation can help you with your financial situation, please call the number on the top of this page.

The post National Credit Federation is Leading the Fight against Unfair Reporting Practices appeared first on National Credit Federation.

Fox, CBS, NBC and ABC affiliates just aired an interview by Michael Gerber, the author of the E-Myth.  The segment was shot at film studios in Orlando and I had a great time.  Michael Gerber is not only an internationally acclaimed author but also has a huge corporation. He seeks out companies that are totally unique and are on the cutting edge within their industries to profile.

Check it out…

More than the publicity, it excites me that hundreds of our members over the last year have achieved home-ownership that never would have without our help.  To all our consultants, and staff but more so to our members…thanks for your confidence!  If you’d like to get your credit reviewed with no obligation CLICK HERE

Great credit and home ownership…Definitely two of the things in life that are Priceless!

BE BOLD!

Herschel

The post Michael Gerber and Herschel Bentley discuss Credit Repair the National Credit Federation way appeared first on National Credit Federation.

This was originated as a feature article in USA Today covering how National Credit Federation has been helping people recover from their financial hardships which can cause bad credit by using credit repair tactics available as provided under the Fair Credit Reporting Act.

We are very proud of the results and the benefits that our members experience when becoming a member.  Over the last few years our average member sees an increase in their credit score of 127 points.  You can read the full feature article just CLICK HERE and catch the write up in CBS Money Watch HERE

We welcome anyone that would like a credit consultation at no charge to CLICK HERE.

The post National Credit Federation is in the News! appeared first on National Credit Federation.

In an article for Reuters written by Julie Haviv:

While low rates and high affordability have helped the housing market gain ground, it has struggled in recent months given stubbornly high unemployment and mounting foreclosures. Home loan refinancing, however, puts more cash into consumers’ hands to funnel into the U.S. economy and could help many homeowners avoid foreclosure.

Being able to take advantage of these historic low rates is essential in keeping the fixed cost of housing under control. However, being able to qualify comes down to your credit rating, income, and also the value of your home. Many people may only have one or two items in the preceding list which is why the housing market is the way that it is today.

The best thing you can do if you are not able to take advantage of these current record low rates is to start working on those three above factors so that you will be in a position to take advantage of refinancing at a low rate. This low trend should continue at this low rate for the foreseable future, but it can’t stay this low forever!

The post New Record Low for Mortgage Rates appeared first on National Credit Federation.

The figure works out to nearly $1,500 for every U.S. household, or more than 10 times the median daily household income.

According to Wikipedia, deficits are:

A budget deficit occurs when an entity spends more money than it takes in.

The difference between a deficit and national debt is that a deficit is government revenues versus spending each year, while national debt is these annual deficits accumulating over history. These daily debt calculations go up and down frequently as they are recalculated daily based on receipts and outgo by the CBO (Congressional Budget Office).

“What matters is the overall trend line, and the overall trend line is shooting up,” said Robert Bixby, executive director of the Concord Coalition, a bipartisan deficit watchdog group, who said it is one more reason for a fiscal wake-up call.

It seems that the US Congress has some very tough decisions with deficits continually racking up to make the national debt even larger! These are decisions that we as individuals and families are currently faced with everyday as we see either the loss of a job or working a lower paying one decreases the money coming in and then higher prices at the gas pump, for utilities, and groceries keeps rising, we can put the issue into the dire perspective that it is.

The best thing we can do for ourselves is to decrease our outgo as much as possible while trying to increase our income at the same time. While the job market may be tough right now, there are two ways that you can reduce your outgo (a part from spending on luxury items): by paying off your debt; and reducing your interest rates by refinancing from high interest to lower interest rates.

The cost of credit can be amazing and our government is learning that more and more each day (literally)!

The post HUGE one day deficit jump – $166 Billion (with a "B") appeared first on National Credit Federation.