Credit protection

Product: Card Guardian


Price: $49.95 (per year)


Consumer: Those seeking insurance protection


Card Guardian purpose is to provide protection against theft and unauthorized use of your credit cards.

Pros: The Card Guardian plan allows you to register all of your credit cards, ATM cards, bank debit cards, department store credit cards, and gas credit cards as well as your important documents like stock certificates, insurance policies, passports, and property titles. The procedure of registration is simple and fairly quick, and Card Guardian provides protection 24 hours a day. If you acquire a new card, there is no additional charge for registering it. If your cards are lost or stolen, you make ONE phone call to the Member Services department, and they will contact all of the credit card companies to have your accounts closed and to request new cards for you.
There are many additional features that are offered with the Card Guardian plan that you will find nowhere else. For example: If you are more than 100 miles away from home and your credit cards are stolen, Card Guardian will wire you $50 (subject to credit approval on your bank credit card.)

Cons: I looked all over the Internet and could not find a single complaint about any of the polices offered by Key Source Services.com. There simply are not any negatives.
Guarantee: There is a guarantee of satisfaction posted on the Key Source Services website that reads in part: “All of our products come with a 30 day money-back guarantee, minus set-up fee. If for any reason you are not completely satisfied within the first 30 days, simply contact our Member Services Department at 1-800-433-2349 or submit written notice of cancellation including your full name and member ID in your correspondence.”
Value for money: The Card Guardian plan is a very good product, one I would recommend and an excellent value.

Where to buy: Click Here

Brought to you by:- Bad credit credit cards

People with credit problems

Price: $39.95

Consumer: People with credit problems

The purpose of the Credit Repair Software is to inform and instruct users on how to repair their own credit.

Pros: With the help of Credit Repair Software you can organize, track, analyze, and dispute your credit record. The software works with both online and offline monitoring. The Credit Repair Software can help you prevent identity theft as well as correct credit errors. You will be able to chart TRW, Equifax and Experian right from your own computer. The Credit Repair Software can even generate dispute letters for you. Not only that, but your whole family can use the software because it is not limited to only one user. There really isn’t anything like this three-step plan on the market today.

The Credit Repair Software is being offered at a very deep discount for only a short period of time. It is worth well more than the price that is being asked for it. You can try the limited version free of charge for 30 days before you decide to purchase it, and you will decide to purchase it when you see what it can do for you.

Cons: There are no apparent cons associated with the Your Credit Win software and with the 30-day free trial of the limited edition there really doesn’t seem to be any problems at all.

Guarantee: There is a 60-day guarantee of satisfaction offered as well as a 30-day free trial of the limited version.

Value for money: The Credit Repair Software by Your Credit Win.com is actually an excellent value.

Where to buy: Repair bad credit with Credit Repair Software

Brought to you by:- Credit cards for people with bad credit

Reviews4-You: Comparative Auto Insurance Quotes

Reviews4-You: Comparative Auto Insurance Quotes

Comparative Auto Insurance Quotes

Consumer: Automobile owners or buyers.

The purpose of getting comparative insurance quotes is to save money on insurance premiums.

Pros: Every single state in the union requires that you have car insurance before you put the key in the ignition and start your new car. Between repairs and maintenance, car payments and car insurance premiums, just owning and driving any vehicle can very quickly become and expensive proposition and we haven’t even mentioned rising gas prices. DirectInsureOnline.com can’t do anything about the repairs, maintenance, car payments or rising gas prices but they can help with the cost of those insurance premiums.

Just because you already have car insurance doesn’t mean that you shouldn’t continue to shop for the best car insurance rates. Rates are constantly changing and at least once every year, every car owner should ascertain that they are not paying more for car insurance than they have to. Getting comparative quotes at DirectInsureOnline.com is a very convenient way to do that.

Direct Insure Online is a fresh new offer that allows consumers to obtain free Auto, Health, Life and Home insurance quotes. Each tab links directly to NetQuote - a leading brand in the insurance space - with the exception of "Auto" which now stays within the Direct Insure Online form.

Cons: Users should be very careful that all of the quotes offered are for identical coverage. Coverage amounts determine premiums.

Guarantee: There are no guarantees offered and none would apply.

Value for money: Getting a quote for insurance coverage can save money so this is a very good value.

Where to buy: Get Free Insurance Quotes in 5 minutes or less at DirectInsureOnline.com

Debt Consolidation

Price: Free 15 minute consultation and no price could be determined following the free 15 minute consultation.

Consumer: Consumers who are having financial difficulties.

The purpose of the Credit Solution Service is to help customers get out of debt and stay out of debt.


Pros:
-Reduce Total Balances 40-60%
-One Simple, Low Monthly Payment
-Avoid Bankruptcy
-Consolidate Debt Payments
-Get Out of Debt in 12-36 Months

It is becoming more and more common for people to find themselves in unmanageable debt today. With the recent changes

made to bankruptcy claims, there is more and more need for help for consumers who are deeply in debt.

Credit Solution Service is not just a debt counseling service and it is not a debt consolidation loan service but

rather it is a debt settlement service. The counselors at Credit Solution Service help to negotiate settlements for

your outstanding debts which will only be a fraction of the actually money that is owed.

Debt consolidation loans, according to the Credit Solution Service website, are not an answer that will help you.

They say that you cannot borrow your way out of debt and that does make sense. The Credit Solution Service approach

to solving your debt problems is to simply negotiate debt settlements that you can live with.

Cons: The fact that credit card debt is unsecured debt is not emphasized on the site. It should be.

Guarantee: There is no guarantee stated on the website.

Value for money: Impossible to determine value since price could not be determined.

Consolidate Debt Payments Now: Apply Here

Discover Open road Card

Consumer: Credit Card Users

The purpose of the Open Road Card by Discover is to provide a cash back bonus of 5% on all fuel and car related purchases.

Pros: For those who use their cars a great deal for work or for pleasure the Open Road Card by Discover is the card to have. The idea of the Open Road Card by Discover is to provide a 5% cash back bonus on all purchases made for their vehicles including fuel, tires, oil changes, grease jobs, etc. If the purchase is related to the car there will be a 5% cash back bonus. It’s like getting a bargain with every car related purchase.

Those who fly frequently like the cards that give them air miles as a bonus but for those who like to keep four wheels on the ground the Open Road Card by Discover is the better bargain.

The Open Road card by Discover is a credit card that actually pays your rewards in the form of cash for filling your car up with gas!

.Discover Open Road Card is the only gas card that gives you 5% Cashback Bonus for your gas and auto maintenance purchases.
.Earn up to 1% Cashback Bonus on all other purchases automatically
.Rewards are easy to earn, easy to redeem and never expire as long as you use your card

There’s more. You can increase or even double your rewards when you redeem them for gift cards from Discover Card’s 70 cash back bonus partners. It is like getting a nice discount on all of the things that you must buy anyway. You will always be getting items ‘on sale’ whether the store has them on sale or not.

Cons: The benefits offered on the Open Road Card by Discover will only be beneficial to those who travel frequently by car.

Guarantee: There is no guarantee and none would apply.

Value for money: The Open Road Card by Discover is a very good value for those who travel by car.

Where to Apply: Apply Now Here --> Discover Open Road Credit Card

Visit A-free-guide-to-bad-credit for more info on Credit cards for bad credit or for more articles on credit card

Vantage Debit MasterCard

Price: Vantage Debit MasterCard starts at $9.95 activation and only $4.95/month (depending on plan choice).

Consumer: Debit Card Users

The purpose of the Account Now Vantage Pre-Paid Master Card is to provide the convenience of a credit card in the form of a prepaid debit card.

Pros: People need prepaid credit cards for many reasons. Some people just are opposed to being in debt for even a short period of time and others cannot acquire credit cards for a variety of reasons like no credit history, limited credit history or poor credit history.

The AccountNow Vantage Debit MasterCard is the perfect alternative to a checking account. The AccountNow Vantage Account is offered to the 40+ million U.S. consumers who do not have established credit or traditional banking relationships.

There are many advantages to the Account Now Vantage Pre-Paid Master Card. One definite advantage is that a user cannot possibly spend more than he has to spend which is a big advantage to very young users especially.

You can deposit funds to your Account Now Vantage Pre-Paid Master Card very easily and even have checks deposited directly to the account. There is an automatic bill-pay option that makes it very easy to pay monthly bills. Additionally there is a free credit builder option….a service that is provided at no charge and reports your bill paying activity to credit reporting agencies.

Cons: There are no particular cons associated with the Account Now Vantage Pre-Paid Master Card except that there are fees that are not apparent unless the contract is carefully read.

Guarantee: There is a guarantee that anybody can acquire an Account Now Vantage Pre-Paid Master Card.

Value for money: The Account Now Vantage Pre-Paid Master Card is a good value.

Where to Apply: Visit Account Now

Orchard Bank Credit Card

Fee: Depending Upon your credit profile, you could have an annual fee
associated with it. (generally $60.00 (approx) Annual Fee)

Consumer: People with Bad Credit Card or adverse credit

The purpose of the Orchard Bank Master Card is to provide a credit card to first time credit card shoppers and to those who have a need to repair bad credit history.

Pros: In today’s world every person really needs a credit card of some kind just to complete everyday transactions. You need a credit card to make an online purchase and you need a credit card to secure an airline, hotel or car rental reservation. The Orchard Bank Master Card offers credit cards to those who have little or no credit history as well as to those who have a spotty credit history. The Orchard Bank Master Card even with its annual fee gives those who need it a second chance to rebuild their credit history.

‘Stuff’ happens and even people who are honorable and honest can get into a financial bind and do damage to their credit history. These people can find themselves in a position where most credit card companies are reluctant to issue a credit card to them. Orchard Bank is willing to issue credit cards to these people.

Cons: The interest rate is above the national average.

Guarantee: Orchard Bank offers guaranteed credit card offers for people with no credit history or less than perfect.

Value for money: The Orchard Bank Master Card is a good starting point for new credit card users and those who need to repair past credit history.

Where to apply: Visit Orchard Bank


To read more about Bad Credit credit card Visit A Free Guide to Bad Credit.com

Looking for Criminal, dui, defense, divorce Lawyer

Price: Variable

Consumer: Those seeking to hire a Criminal, dui, defense or divorce lawyer

The purpose of Legal Match.com is to help those who are seeking to hire a lawyer find a lawyer that will serve their legal concerns best.

Pros: Legal Match is a free service to consumers. The attorneys who make up the data base from which consumers choose attorneys pay fees to Legal Match.

Choosing an attorney is basically a three step process and there is no obligation for a consumer to actually use any attorney that is recommended by Legal Match. After a consumer chooses an area of the law that he/she needs assistance with such as dui, divorce, child custody, etc. he/she fills out a form in which he/she states his case and chooses the level of experience that he/she wants and the location where he/she is seeking legal assistance. Legal Match then provides a list of attorneys that meet the consumer’s criteria and the consumer can get all of the information about the attorneys he/she is considering before making a choice or no choice at all.

Cons: Attorneys are listed in local telephone directories.

Guarantee: The guarantee of satisfaction on the Legal Match website reads in part, “LegalMatch will stand behind you and your choice of using LegalMatch lawyers. We sincerely hope and believe that you will never have any problems with our members. However, if a dispute does arise between you and the lawyer you engaged through LegalMatch, our customer service experts will act quickly to help resolve any misunderstandings.”

Value for money: The service at Legal Match is a free service.

Where to buy: http://www.information4-you.com/Recommends/LegalMatch

Visit Bargains and Discount for your Favourite Top Brands

Home Based Business Owners - Tax Tutor

Price: $37.00

Consumer: Home Based Business Owners

The purpose of My Tax Tutor for Home Based Business Owners is to inform and instruct home based business owners about the reality of taxes that they may or may NOT owe.

Pros: The fact is that there is more REAL and honest tax information concerning home based business owners packed into My Tax Tutor for Home Based Business Owners in plain English than in any book about taxes for home business owners that I have ever seen. It is just loaded with information that can actually save you many dollars in taxes….tax dollars that you do not LEGALLY owe.

My Tax Tutor for Home Based Business Owners was written by Joni M. Becker, CPA. According to Ms. Becker, those who own home based businesses are overpaying their taxes by one hundred sixty BILLION dollars every year. That is a lot of money, folks, and some of it likely belongs to you is you are a home based business owner.

My Tax Tutor for Home Based Business Owners can keep your hard earned money where it belongs in YOUR pocket and out of the hands of the IRS.

Cons: All information needs to be checked to be certain that it is the law in your area.

Guarantee: There is a 100% guarantee of satisfaction. The guarantee on the website reads in part, “If, for any reason, at any time, during the eight weeks following your purchase, you are not 100%, totally convinced that I have shown you how to save at least $2,000 on your taxes, I want you to request a refund. There is absolutely No Risk on your part.”

Value for money: My Tax Tutor for Home Based Business Owners is an excellent value.

Where to buy: http://www.information4-you.com/Recommends/MyTaxTutor

Horizon Gold Card - For people with Bad credit or no Credit

Fee: Depending Upon your credit profile, you could have an annual fee associated with it.

Consumer: People with Bad Credit Card or no credit history

The purpose of the Horizon Gold Card is to provide a credit card to first time credit card shoppers and to those who

have a need to repair bad credit history.

Pros: In today’s world every person really needs a credit card of some kind just to complete everyday transactions.

You need a credit card to make an online purchase and you need a credit card to secure an airline, hotel or car

rental reservation. The Horizon Gold Card offers credit cards to those who have little or no credit history as well

as to those who have a spotty credit history. The Horizon Gold Card even with its annual fee gives those who need it

a second chance to rebuild their credit history.

‘Stuff’ happens and even people who are honorable and honest can get into a financial bind and do damage to their

credit history. These people can find themselves in a position where most credit card companies are reluctant to

issue a credit card to them. Horizon Gold Card is willing to issue credit cards to these people.

Horizon Benefits
What all is included :

Unlimited access to your Credit Report! Our service can help you manage your credit report and your credit score. Take control of your credit future with unlimited access to your personal records! Plus, as a member you also receive $20,000 in Identity Theft Protection Insurance. (This alone is $9.95 a month)

As a member, our Roadside Protection service will provide you with a comprehensive list vehicle disablement services including, but not limited to Towing, Jump Start, Tire Change, Fuel Delivery, Winching, and Basic Locksmith Services.

Beat the rising cost of gasoline! Our members are given access to our Fuel Savings Plan where one can save hundreds of dollars per year in fuel and transportation costs!

All this plus a Prescription Discount Plan, Legal Assistance Package, Personalized Customer Support, Access to your Credit Card, and much, much more for only $14.95 a month!




Cons: The interest rate is above the national average.

Guarantee: Horizon Gold Card offers guaranteed credit card offers for people with no credit history or less than

perfect.

Value for money: The Horizon Gold Card is a good starting point for new credit card users and those who need to repair past credit history and at same time monitor your credit

To read more about credit cards visit Information4-you.com
To read about Bad credit Financing Visit A Free Guide to Bad Credit

Discover credit card - Motiva

Annual Fee: None (No annual fee)

Consumer: Credit Card Users

The purpose of the Motiva Card by Discover Credit Card is to provide a reward for customers who pay their bills on time.

Pros: The Discover credit card's Motiva card offers a very unusual reward. I haven’t seen this kind of reward offered

by any other credit card company. The idea of the Motiva Card by Discover is that if a customer pays on time for six

months in a row, Discover will pay your next month’s interest back to you. This is done twice a year. It would be a

good value for those who carry especially large credit card balances from month to month. For those who do not ever

carry a balance, it would be of no value at all, however.

The Motiva Card by Discover also offers:-

• Pay-On-Time Bonus equal to a full month's interest each time you
  make 6 on-time payments in a row– twice a year, every year when you pay on-time
  every month


• 5% to 20% Cashback Bonus® at top online retailers through
  Discover exclusive online site


• Up
  to 1% Cashback Bonus on all other
  purchases


• Unlimited cash rewards that never expire as long as you use your
  Card


• No Annual Fee

Apply Now!

Cons: The Motiva Card by Discover benefits will only benefit those who carry an outstanding balance.

Guarantee: There is no guarantee and none would apply.

Value for money: The Motiva Card by Discover is a good value for those who carry credit card balances.

To read more about credit cards visit Information4-you.com
To read about Bad credit Financing Visit A Free Guide to Bad Credit

Discover More Card

Annual Fee: None (There is no annual fee)

Consumer: Credit Card Users

The purpose of the Discover® More Card is to provide a credit card that has a cash back bonus.

Pros: The Discover More Card is a credit card that actually pays your rewards in the form of cash! Cash is better than just recieving rewards!
There is a 5% cash back bonus in popular categories that change four times
a year like travel, apparel, home, gas, restaurants, movies and more.
There is also a 5% cash back bonus at top online retailers through the
Discover online shopping site and
Upto 1% cash back on all purchases no matter where they are made.

There’s more:-
You can increase or even double your rewards when you redeem them for gift cards from Discover Card’s 70 cash back bonus partners. It is like getting a nice discount on all of the things that you must buy anyway. You will always be getting items ‘on sale’ whether the store has them on sale or not.

Optional Cashback Bonus® copy for More Card

Cashback Bonus® is the only cash rewards program that gives you complete earnings freedom – free rewards, unlimited earnings, never expires as long as you use the Card.

The Cashback Bonus Program gives you the most redemption choices of any cash rewards program: check, electronic deposit to any account, credit to your Discover® Card Account, gift cards or certificates from our partners. Cashback Bonus® is the only cash rewards program that let you double the value of your reward with many of DiscoverMore card brand name partners.

Cons: This card like all credit cards is giving a reward with one hand while charging a lot of interest with the other. But with goog credit you can get a lower interest rate. The bonus will be more beneficial to those who do not carry a balance.

Guarantee: There is no guarantee and none would apply.

Value for money: Discover® More Cardis a very good value.

To Apply: Take me to Discover® More Card

More on Credit card at Information4-you.com
Visit For Bargains and Discounts

The Credit Secrets Bible for people with bad credits

Price: Regular Price $97.75 on sale for $67.75

Consumer: People with bad credit and also Consumers who use credit cards or credit institutions.

The purpose of the Credit Secrets Bible is to inform and educate consumers how to raise their credit scores and repair their credit.

Pros: People with bad credit will be most interested in the Credit Secrets Bible, and those who have or have had problems or difficulties in obtaining credit. Also the Credit Secrets Bible is a good read even for those who have very good credit scores and have no problem in obtaining credit when they need it.

The Credit Secrets Bible instructs readers how to get a credit card if they want one, how to get a mortgage if they want one and how to obtain credit for starting a new business if that is their desire. The book tells secrets about finance that many multi-millionaires are unaware of.

The author of the Credit Secrets Bible, Terry Price, says that by working with the Credit Secrets Bible for only an hour and a half you can raise your credit score by as much as 249 points and do it in less than eight week’s time.

Cons: There is a very annoying pop up on the site that is hard to get rid of.The product is good, however.

Guarantee: There is a 60 day guarantee of satisfaction. If a customer is not satisfied, he can get a 100% refund by simply asking.

Value for money: The Credit Secrets Bible is a very good value.

Bad Credit - Sub-Prime Mortgage Loan

Cost: The cost varies according to loan, lender and borrower.

Consumer: Those with less than perfect credit who are seeking a mortgage.

The purpose of a Sub-Prime Mortgage Loan is so that those who have had past credit problems can qualify for a mortgage.

Pros: There are more people in this world who have less than perfect credit than there are people who have sterling credit histories. There are as many reasons for credit problems as there are people who have credit problems and credit problems can come in several different forms. For example there are those who have a history of making payment late, there are those who have a history of defaulting on loans, there are those who have had liens placed against property and there are those who have had to declare bankruptcy in the past. Although there are varying degrees of credit problems (and even no credit history is a credit problem) all credit problems make it much more difficult to secure a mortgage.

That is where America's Lending Partner can help. At America's Lending Partner, a consumer who is interested in a mortgage but who has a credit history problem can ask for and receive up to four bids from lenders who are willing to make sub-prime loans. A sub-prime loan means that the interest rate is higher.

Cons: Most lending institutions provide sub prime loans.

Guarantee: There is no guarantee offered and none would apply.

Value for money: It isn’t possible to determine a value because there are too many variables.

Where to buy: America's Lending Partners was founded in 1999 to provide homeowners and homebuyers with a fast and convenient way to get a great deal on a home loan.

Since its inception, ALP has served more than 600,000 homeowners and is a respected leader in the mortgage industry. America's Lending Partners is built upon the essential core values of knowledge, integrity, experience, service and trust.

Bad things can happen to good people. Complete one form and America's Lending Partner's free service will match you with up to four lenders who will give you the credit you deserve.

Limited Partnership

"Welcome to LegalZoom. As an attorney, I know from experience that not everyone needs a lawyer for some common legal processes. Also, not everyone can afford to pay attorney rates. This being the case, I am thrilled to be part of LegalZoom. You make your own legal decisions, with the use of our online library and tools, and LegalZoom will prepare your required documents. Its simple, affordable and efficient.

We hope you enjoy your visit and look forward to providing you with the resources you need to handle your legal procedures."


Sincerely,

Robert L. Shapiro
and The LegalZoom Team


Review: Limited Partnership
By Sunny Kesh

Price: Economy $139.00, Standard $249.00, Express Gold $369.00. All prices are + state fees.

Consumer: Those needing legal services at reduced rates.

The purpose of a Limited Partnership is to establish the legal requirements of each party to the agreement.

Pros: If you hired an attorney to prepare a standard Limited Partnership Agreement, it would cost you approximately $1,365.00. You can get the identical service from Legal Zoom for only $249.00 plus state filing fees. Additionally there are related services that are offered by Legal Zoom that are related to creating a Limited Partnership and these services are priced similarly low. For example you can have a federal tax identification application prepared for only $25.00, obtain a federal tax ID number for $70.00 and/or get a registered agent fee for only $149.00.

You can spend a lot of money setting up a Limited Partnership but you really don’t have to if you use the services that are provided by Legal Zoom. It is absolutely necessary to get your legal ducks in a row when you are forming a partnership. A hand shake is good for many things but it won’t stand up in court.

Cons: Agreements prepared by Legal Zoom might represent the priorities of only one of the parties.

Guarantee: The 100% guarantee of satisfaction as stated in part on the website says, “We strive to be the best legal documentation service on the web. If you are not satisfied with our services for any reason, please contact us immediately and we will either correct the situation or provide a refund, your choice.”

Value for money: Legal services at Legal Zoom are an excellent value.

Where to buy: Robert Shapiro's Legal Document Center provides quality Wills, Living Wills, and Corporations online at lawyer-free prices!