Computer Repair Companies Guide to Find

Computer Repair remains to be one of the most difficult services to find quality providers.

As with other home services, you often find yourself making an appointment with someone you called. Later finding yourself waiting around for the computer repair technician to arrive.

Avoid this annoyance and ask your friends and neighbors for a recommendation. Chances are they have experience working with a local computer repair company. Learn from their experience and save yourself time and energy.

Depending on where you live in the United States, the below recommendations may or may not help.

Computer Repair in Coral Springs and Parkland, FL

coral springs computer repair

The Friendly Computer Guru offers professional, affordable and friendly computer repair services. They have excellent customer reviews on Google Plus.

Some of the services they provide are

  • General PC Repair
  • Virus Removal
  • Data Recovery
  • Website Development
  • Wireless and Wired Network Setup
  • IT Consultation and Support for businesses

Call the Friendly Computer Guru at (954) 825-0860

When it comes to maintaining your computer system, it is crucial to keep it up to date with the latest Window updates.

If you are operating an Apple computer, the same is true for you. Often people thing that Apple computer are not susceptible to virus infections.

Antivirus Protection and Detection

Often this is the case, however, virus’ are not the only threats that you face as a computer owner. Popups and Adware can be a real pain, and can infect both Windows and Apple computers.

In a survey of computer users across the United States, ESET ranks at the top of antivirus/security software packages. ESET offers both single computer licenses, as well as bult license purchases for up to 5 computers.

Keep your computer clean

Regular maintenance can help your computer run at peek performance.

Piriform develops a wonderfull FREE software titled CCleaner.

Run this program every couple weeks and your cache, temporary files, and other areas of buildup will be optimized,





Strategies to Restore Credit and Raise FICO Scores

FICO ScoreWhen it comes to fixing bad credit, it is not an overnight fix.  If you find yourself looking for a quick fix, you are more prone to experiencing a negative impact on your credit.  So, be mindful of any guidance that promises to boost your credit score quickly. The best place to start when it comes to restoring your credit is to access your free annual credit report and go through it with a fine toothed comb.  After that, there are steps to take to help restore your credit back to good standing.

Techniques To Carry out Right Now

If you have not already, obtain a zero cost copy of your credit documents and review them for mistakes. According to the FTC, 1 in 5 consumers find errors on their reports. Your credit report includes all the details used to determine your rating and it might in fact contain errors. As you go through your credit report, make sure that there aren’t any late payments erroneously recorded.  You also want to take a look at your balances for each account to ensure that they are correct.  If you discover mistakes on your reports, challenge them with the credit bureau.

Here is what to look out for on your credit report:

  • Incorrect personal information (address, phone number, birthdate etc.)
  • How many open accounts are listed and what types of open credit accounts you have.
  • Any accounts that have gone to collections
  • Check for any recent hard and soft credit inquiries

Lower Your Debt

Timely payments is one of the most significant aspects to your credit ratings. Many banks provide payment reminders that they will send you via a text message or email. The next important step to take, is to decrease the amount of debt you owe. By lowering the amount you owe, you will help increase your credit score.  Try your best to not use your credit cards and if you can’t make more than the minimum payments each month, the important thing is that you make timely payments.  In addition, owing the same debt but having a reduced number of open accounts on your report may decrease your rating. Don’t eliminate untouched credit cards as a brief approach to boost your ratings. Also, you do not want to open brand-new credit cards to enhance your obtainable credit. This tactic could backfire and actually reduce your credit scores.

Your credit utilization rate should not exceed 30% of your total credit limit. If you want to keep your credit score high, you will want to make sure your rate is 20% or below.

Here are some steps you can take to lower your credit utilization:

  • Call your credit card company and see if they will lower your interest rates.
  • Request a credit limit increase on your existing cards.
  • Do not acquire new debt.
  • Start paying down your current debt by focusing on accounts that have the highest interest.

Double Up On Your Credit Card Payments

When it comes to your credit, it is key that you use as little of your available credit as possible each month. Creditors have a report date each month and in an effort to ensure your balance is as low as possible, double up on your payments each month.

Here is how this will benefit you:

  • The amount reported to the credit bureau will be lower.
  • You will avoid interest and fees
  • Paying twice a month will help you pay your balance in full.

Her is how it works:

If you have a $1,000 dollar limit on your credit cards and you put $700 dollars worth of bills on the card each month, your due date on the card is key.  If you pay it off by the due date of the 21st but the credit cards closing date is the 17th , each month you are signaling to the bureaus that you’re holding balance of $700 each month.  That is not the best thing.  When doubling up on your payments, you will ensure that you are making a payment before the reporting date which will help ensure  that the agencies are being given the lowest balance possible. Then, you make your second payment by the due date, which should cover the rest of your balance.  No interest fees!

Hire a Professional Credit Repair Service

Finding a reputable credit repair company to help restore your credit can be key depending how your credit looks.  The right credit repair company will have years of experience and insider knowledge on credit law.  If you have errors on your report that you know should not be there, hiring a credit repair professional can be key.  The credit repair process is long and arduous and without essential credit law knowledge, you may be in over your head.




PPI Reclaims – Have you still not submitted your claim?

At the moment in the payment protection insurance claims space the number of claims is set to increase, with a great number of claimants ‘waking up’ to the fact that if they don’t take steps to get their money back, they really are leaving cash on the table.

Why Should I Make A PPI Claim?

The answer to that is simple, if you have been found to have been miss sold this type of insurance product from the banks, this basically means that they have (metaphorically speaking) taken money from your bank account, on the basis of you being sold on a product that you don’t actually need.

You were likely misled in to thinking either A: The product was something you had to take out as part of the agreement.

Or B: The product was something that you really needed as a way to ensure financial safety for yourself in your current financial situation.

The truth is, payment protection insurance is actually a good product ‘in principal’ it is simply the way it has been incorrectly sold which is the issue at fault, because the banks & the other corporations have hounded and harassed British residents to take out these policies, and pay for them, when actually they didn’t really need them.

What should I do?

You should look at all available documentation, that includes loan agreements, mortgage agreements, credit card informational documents, anything you have for your store cards, etc etc, to find out if there is payment protection insurance attached to them, this is an essential pre-requisite for a successful ppi claim, due to the fact that, if you do not have this type of insurance attached to a policy you simply won’t be able to make a claim because there will be no ppi present.

Can I definitely get my cash back?

That is a question that does not have a quick answer, this is because the banks must accept that your claim is valid before agreeing to pay compensation over to you on the basis of miss sold ppi, so it first must be confirmed that the product has indeed been miss sold to you, this is really the key factor here because many banks and other corporations might actually reject your case, if they feel that no wrongdoing has been done on their part, they can also contest whether or not the product was miss sold, if in fact it is later found that you need the product, so do be careful with your expectations when attempting to claim compensation for payment protection insurance.

Things You Should Know About Debt Consolidation

Sometimes people get in over their head when it comes to debt. There are a number of reasons that this can happen, ranging from an unexpected expense to a sudden job loss. It happens in more cases than you might think and it is not always a result of poor spending habits, but more often is a direct result of an unfortunate circumstance that has occurred that was completely beyond the control of the individual in question. However, it often leaves that person with a mountain of debt that he or she must now decide how to repay. Furthermore, the person is forced to attempt to remedy the situation without facing financial disaster. Debt consolidation is one way that an individual can regain control of his or her finances.

What is debt consolidation?

Essentially, debt consolidation is a way of managing debt that has accumulated over time. Many times, it is due to having too many credit cards or having a balance that is overwhelming. However, it can encompass more things than mere credit card debt. Sometimes student loans can be consolidated and other types of debts can sometimes also be consolidated, depending on the terms and conditions of the original debt. When debt is consolidated, all of the monthly payments related to the total amount of debt are reduced into one payment that is then further reduced into an amount that can be managed more comfortably by the individual. It essentially helps a person to make one payment instead of several and allows them to pay an amount that they can afford without going without food or other necessities.


Is it effective?

Debt consolidation is sometimes very effective. When it is done properly, it is tremendously effective in helping a person to regain control of his or her finances. Debt consolidation specialists do much more than simply reduce the amount of money that must be paid out each month. They also work with creditors on the customer’s behalf in order to prevent collection calls and further attempts at collecting debt. They also provide comprehensive counseling in order to help the customer understand how to better manage their debt so that a problem does not occur again in the future. This can give a person a second chance at dealing with debt and also give them the opportunity to learn a great deal in the process.

Are their concerns

Of course, there are always concerns with virtually everything. The biggest concern when it comes to debt consolidation is to ensure that the company that a customer decides to use is reputable and can effectively help them reduce debt. It is up to the customer to ensure that they find the right company that is both upstanding and hardworking. Fairly researching a debt consolidation company is essential, as there are some scams out there that will simply tell a customer that they will do this and then take their money, doing very little if anything to reduced the debt. However, there are just as many companies that are reputable and will do exactly what they say they will do.


In closing, debt consolidation is an effective way of reducing debt and managing personal finances. It provides a way to get out of any current debt while simultaneously giving the individual in question the opportunity to learn how to better manage finances in order to enjoy financial well being later on.

An Introduction To Home Mortgage Refinancing

During the past several years, the interest rate has been lowered, making it a great time for homeowners to refinance their mortgages. In order to do this, they need to be familiar with the process, and if it will work for them.

Who Will Benefit From Refinancing Their Mortgage?


The people that benefit from refinancing their mortgages are people that purchased the home when the interest rates were higher. When they refinance to the lower rate, they will be saving money on a monthly basis. The actual total amount that they will have to pay back for the home will be a lot less when they refinance.

How To Refinance The Mortgage?

A person that is considering refinancing their mortgage should make sure that they take a look at their original mortgage closely. They should sit down and decide how much they will be saving, and they will come to the conclusion that it will be the best thing that they can do.

Finding A Good Bank To Go With When A Person Wants To Refinance Their Mortgage

When a person wants to refinance their mortgage, they usually stay with the bank that they got the original mortgage from. They can also shop around for different banks if they think that they might get a better deal. A great way to compare the rates that are being offered from a variety of banks is to do a search online. They will be able to compare the various banks against each other without ever having to leave their home.

What A Person Will Need In Order To Refinance

A person that wants to refinance their mortgage will need to bring along some things when they visit the bank. They will need to have the original mortgage contract. They will also need proof of their income, whether it is from a paycheck stub or from their tax return. This will happen to anyone that is listed on the mortgage so it is necessary that all parties bring that information to the bank with them. They will also need proof of their identity, like a driver’s license.

Good Credit Is Extremely Important When Someone Wants To Refinance

Keeping a good credit rating is important is someone is hoping that they can refinance. There are people that are able to without the best credit rating, but most that refinance have a good or perfect credit rating before they try to. If there are problems with their credit, a person should try to rectify these items before they try to refinance their mortgage.

People that refinance in today’s world, usually are better off for it. Many people like to pay a little more of their mortgage each month. The extra money will be taken off of their interest payment so it saves them some money in the long run. Refinancing is a great way to lower the price of the overall home, and many people use the extra savings for vacations or renovations to their dwelling.