| Tips on improving your credit score
Your credit score influences many areas of your life. A prospective employer will check your credit when considering you for employment. Your insurance agent may check your credit when deciding to insure your car or home. Your lender, whether for a home loan or other consumer debt, will check your credit score when making a determination. Your credit report shows the history of your borrowing activities as they have been reported to the credit reporting bureaus (TransUnion, Experian and Equifax) by lenders, court records and others at a point in time. The credit score helps credit grantors to evaluate this information quickly because it gives a snapshot of your payment history. Thousands of credit grantors send updates to the bureaus -- usually once a month. These updates include balances, monthly payment amounts and whether there have been late payments.
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Generally, you will need to freeze at all three bureaus - TransUnion, Equifax and Experian - to make it effective. It's possible, however, that a bureau doesn't have a report on you - and it's silly to pay to freeze something that doesn't exist. So before you apply, get a copy of your free annual credit report from each bureau to see who has a report on you. You will also want to check the freeze terms at each bureau before deciding. How to apply: TransUnion has its system up and running. Send your name, Social Security number and a credit card number and expiration date (for the $10 charge) to TransUnion, P.O. Box 6790, Fullerton, Calif., 92834-6790. If you are a victim of ID theft, freezes and thaws are free. For more information, call 1-888-909-8872.
Christmas shoppers use different means for payment
What�s in your wallet? The chances are better these days that it�s not a paper check.
According to the National Retail Federation, almost 40 percent of shoppers will rely on their debit/check cards to make purchases this holiday season while around 30 percent will be using credit cards and 25 percent paying with cash. Only about five percent will write personal checks at the cash register.
Whatever the choice may be, financial counselors, financial institutions, retailers and even shoppers agree that the debit card has become the most common method of payment.
However, Terry Zeltinger, president of United Community Bank, said there is not a �one size fits all� when it comes to paying for purchases.
�Every individual has a different set of circumstances and preferences for the method of payment that fits their situation,� Zeltinger said.
Bradley Pharmaceuticals 2007 Third Quarter Results
FAIRFIELD, N.J., Nov. 8 /PRNewswire-FirstCall/ -- Bradley Pharmaceuticals, (Nachrichten) Inc. announced today that it has filed with the Securities and Exchange Commission its Quarterly Report on Form 10-Q for the quarter ended September 30, 2007. Third Quarter of 2007 -- Launched ADOXA(R) 150mg capsules. -- Paid outstanding principal balance of $62.4 million under old credit facility on August 3, 2007 with existing cash and cash equivalents, concurrently with entering into a new credit facility and wrote-off deferred financing costs of $3.3 million related to old facility. -- On October 29, 2007, the Company entered into a definitive merger agreement with Nycomed US Inc. Bradley reported that net sales for the quarter ended September 30, 2007 were approximately $33.6 million, a decrease of $1.6 million, or 5%, from net sales of $35.2 million for the quarter ended September 30, 2006.
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