Web Site Protects Home Renters When Foreclosure Crisis Threatens

Foreclosure Crisis Threatens Potential Home Renters But One New Web Site Offers Protection

Many looking for rental homes risk costly problems and future evictions without realizing it, but CheckForForeclosure.com has an easy solution.

Los Angeles, CA - June 28, 2008 -- Alarming numbers of would-be home renters sign expensive leases and rental agreements not knowing that the homes they are about to rent are already in foreclosure. Fortunately, people who are searching the classifieds for a rental home can take advantage of a new service and Web site - CheckForForeclosure.com, Giving Renters the Notice they Need (http://www.CheckForForeclosure.com) - that provides access to inside information about potential landlords and lets would-be renters know if they are about to walk into a trap.

The newest tragic twist in the nationwide mortgage and housing crisis is creating havoc and distress for many unwary consumers. Very few people who shop for a rental home are even aware of the growing problem, and fewer still know how to protect themselves from signing up for a disaster when they go out to look for a rented or leased home, condo, or apartment. In some cases those who sign new leases are evicted within days of moving into a home or apartment - without refunds of payments or deposits.

CheckForForeclosure.com was created by knowledgeable real estate industry professionals to specifically address the needs of consumers who might otherwise become ensnared in the renters in foreclosure crisis. Some classified ad pages in foreclosure-prone cities are riddled with listings for rentals that are - although innocent consumers do not realize it - about to be repossessed by banks and mortgage companies. Unless someone shopping for an apartment or home rental has the ability to look beyond the advertising hype and spin and find out which rentals are dangerous, there is no way to pick the winners from the losers. Looking for a rental becomes a game of Russian roulette unless consumers take steps to get the information they need to make safe and informed choices.

Bankers and landlords are not required by law to disclose an imminent foreclosure to a renter, and real estate laws generally protect landlords and lenders while offering little help for victimized renters. That leaves renters to fend for themselves, so taking the time and making the effort to investigate the foreclosure filing status (http://www.CheckForForeclosure.com) of a potential rental property is a wise investment and a good insurance policy against foreclosure rental headaches and heartaches. In today's treacherous housing environment, it pays to take full advantage of services like those offered by CheckForForeclosure.com to ensure peace of mind for one's family.

Contact Information
Steve Gold
SG1 Investments, Inc.
http://www.CheckForForeclosure.com
702-987-4846

Hedge Funds within a Wealth Management Strategy White Paper

White Oaks Wealth Advisors Releases New White Paper

MINNEAPOLIS--  June 26, 2008--White Oaks Wealth Advisors, Inc. today released its latest addition to its series of white papers on wealth management topics affecting upper income and net worth issues. The latest entitled ''Hedge Funds within a Wealth Management Strategy'' was authored by Robert Klosterman who is the Founder, President & CEO of White Oaks Wealth Advisors, Inc.

"There is a lot of mystery shrouding the hedge fund space and the purpose of this paper is to pull open the drapes and let the sun shine in on the terminology and the potential uses of these specialized vehicles. Clearly there are unique and specific risks associated with these investment choices," remarked Sharon Bloodworth, Vice President of White Oaks, "and investors should be aware of what they are and consider their impact carefully when considering their use within an investment strategy."

"Hedge Funds are a broad and non-descriptive term that is used to cover numerous strategies," added Klosterman, "and our intent is to provide a tool for investors in order for them to start the process of understanding their options."

White Oaks Wealth Advisors, Inc. is a private, fee-only wealth management firm with offices in Minneapolis, MN and Sarasota, FL that specializes in simplifying the complexities of wealth for upper net worth individuals. The firm offers an advisory team with over 60 years of experience in areas such as retirement planning, investment advice and management, estate planning, tax planning, stock option exercise, charitable gift planning, qualified plan distribution planning, and many other issues that individuals face in meeting and achieving their financial security goals.

White Oaks Wealth Advisors, Inc. has been honored by having team members listed on the ''Top 250 Financial Advisors'' by Worth Magazine, ''Top Dogs'' by Bloomberg Wealth Manager, ''5 Star Advisor'' by Paladin Registry, ''Best 150 Advisors for Doctors'' by Medical Economics and ''100 Top Advisors'' by Mutual Funds Magazine.

Contacts

White Oaks Wealth Advisors, Inc.
Robert Klosterman, 612-455-6900

Three New Practical Mortgage Industry Guides

AllRegs Releases Three New Practical Guides

EAGAN, Minn.-- June 24, 2008 --AllRegs, the leading publisher of guidelines for the mortgage industry, announced the release of three new online Practical Guides focused on mortgage servicing. The titles include Escrow Analysis, FHA Foreclosure and Mortgage Servicing.

"The state of the mortgage industry has created a new set of challenges for servicing departments," said Dan Thoms, senior vice president of AllRegs. "These Practical Guides specifically target issues of specific concern to today's mortgage servicing professionals."

Practical Guides are searchable online instruction manuals for a given topic. These virtual how-to guides are concise, complete bodies of work that use the AllRegs search engine with direct links to online regulations. Content is plainly written with easy-to-follow charts, worksheets and forms. Each guide is available exclusively through AllRegs and features liberal site licensing, allowing registered users to simultaneously access their own virtual copy to bookmark and annotate as they please.

Practical Guides are also available through the Learning Pass subscription program. On both an individual and corporate-wide basis, Learning Pass subscribers have access to all seven practical guides and over 20 self-study online courses at a low annual cost.

Should you have any questions regarding the practical guides or the Learning Pass subscription program, please contact AllRegs Customer Service at (800) 848-4904 Monday through Friday between the hours of 8:00 a.m. and 6:00 p.m. CDT or e-mail help@allregs.com.

About AllRegs:

First introduced in 1989, AllRegs is used by virtually all of the top 100 lenders as well as throughout numerous governmental agencies, including Fannie Mae, Freddie Mac, the FHLBs, FHA, VA, RHS, Ginnie Mae, and more. AllRegs is the exclusive electronic publisher of the Fannie Mae and Freddie Mac Single and Multi-Family Seller/Servicer Guides, The Federal Home Loan Banks' MPF Program Guidelines, and CalPERS' Member Home Loan Program Guidelines. Products include single and multifamily underwriting & insuring guidelines as well as federal compliance laws and regulations, state compliance laws and regulations with plain-language analyses, contract publishing services for retail and wholesale lenders and a library of historical guidelines. The educational division, AllRegs Academy, offers distance learning, classroom training, and a series of online Practical Guides. For more information call (800) 848-4904 or go to www.allregs.com.

Contacts

Media contact for AllRegs
Meredith Boyd, 678-781-7219

$66 Million to Velocita Wireless From Factoring Company to Support Acquisition of SkyTel

Factoring Company Provides $66 Million Factoring Facility to Velocita Wireless to Support Acquisition of SkyTel, from Bell Industries, Inc.

A leading factoring company, has signed an agreement to provide a $66 million accounts receivable factoring facility to a leading provider of wireless data services. The accounts receivable factoring facility was a key element of the funding package which enabled the New Jersey based network operator to complete the acquisition of a complimentary wireless technology business, providing nationwide wireless data and messaging services. At a time when borrowing facilities are extremely difficult to negotiate Platinum distinguished themselves with their speed of decision, flexibility and willingness to work to get the deal done.

New York, NY - June 17, 2008 -- Platinum Funding Group, a leading factoring company, has signed an agreement to provide a $66 million accounts receivable factoring facility to a leading provider of wireless data services. The accounts receivable factoring facility was a key element of the funding package which enabled the New Jersey based network operator to complete the acquisition of a complimentary wireless technology business, providing nationwide wireless data and messaging services.

Factoring

With its headquarters in New Jersey, this national wireless network operator focuses on the M2M market. The company offers wireless data machine-to-machine (M2M) products including automatic vehicle location (AVL), telematics, point-of-sale, security and energy solutions to enterprise and government customers. Its network operates in 50 states covering 93 percent of all U.S. businesses and 220 million people.

The accounts receivable factoring facility provided by Platinum Funding Group will also assist the combined entity to consolidate its position as one of the leading M2M providers in the U.S. providing comprehensive, reliable and secure communication solutions.

"Platinum's ability to think outside the box, and find creative solutions for complicated transactions is a necessity in the current financial environment," said Eyal Levy, founder and CEO of Platinum Funding Group. "Platinum's assistance in several acquisitions lately, when liquidity is limited, makes us an attractive instrument for investment banks, private equity and venture capital firms."

Russell Backhouse, the CFO who co-ordinated the transaction with Platinum added, "At a time when borrowing facilities are extremely difficult to negotiate Platinum distinguished themselves with their speed of decision, flexibility and willingness to work to get the deal done."

Mark Hull, CEO said, "This acquisition clearly benefits all of our customers as together we are an even stronger company with a long-term commitment to messaging, data and the M2M market."

About Platinum Funding Group:
Platinum Funding Group, a leading factoring company, provides clients with accounts receivable financing, purchase order financing, letters of credit, bridge funding, and accounts receivable management. Established in 1992, the factoring company has been consistently assisting companies with annual sales revenue between $1 million and $150 million. Platinum provides premier factoring services and possessions the financial resources to serve the needs of its invoice factoring clients across more than 30 industries, issuing same day advances on accounts receivable to early-stage companies, fast growing firms, and companies in Chapter 11. Platinum Funding Group is headquartered in New York City and has regional offices throughout the U.S.

Platinum Funding UK Limited commenced operations out of its United Kingdom office in the spring of 2008. Through its UK affiliate, Platinum Funding Group has expanded its services to include purchases of international receivables, with a focus on the European market.

By SEO Factor.

CONTACT INFORMATION
Danielle Lacombe
Platinum Funding Group
646-315-7200

Cobi babchuk
Platinum Funding UK Limited
646-315-7200

Financial Services Top 10 Criticisms on Insurance Market Conduct

Wolters Kluwer Financial Services Identifies Top 10 Criticisms on Insurance Market Conduct Exams

WALTHAM, Mass.-- June 16, 2008 --To help insurance companies avoid noncompliance violations, Wolters Kluwer Financial Services has released its annual list of the top 10 reasons insurers are found to be out of compliance during market conduct examinations.

Wolters Kluwer Financial Services' Insurance Compliance Solutions group reviewed and analyzed the content in last year's market conduct exams from across the United States, and assigned the criticisms to various categories. The categories with the most criticisms comprise the top 10 lists for property and casualty insurance, and life and health insurance.

"This research helps serve as a checklist for insurers so they can assess noncompliance risks," said Kathy Donovan, manager of Government Relations for Insurance Compliance Solutions at Wolters Kluwer Financial Services. "If regulators were to conduct an audit today, these are the key areas that would be looked at. So insurers need to ask, 'How would our organization fare?'"

Wolters Kluwer Financial Services' industry research shows that the top 10 most common market conduct compliance criticisms for property and casualty insurance are:

1. Failure to acknowledge, pay or deny claims within specified time frames

2. Failure to properly terminate a policy, including inadequate days' notice and omitted required language

3. Improper documentation of claim files

4. Using unapproved or unfiled rates and/or rating errors

5. Failure to provide required disclosures (such as selection/rejection or coverage notices in the underwriting process or notices such as statute of limitations, reasons for denials, and bill of rights in the claims process)

6. Failure to provide notification of producer appointments or terminations

7. Improper documentation of underwriting and policy files

8. Failure to communicate a delay in the settlement of claims in writing

9. Using unapproved or unfiled forms

10. Failure to produce requested records for an examination

The top 10 most common criticisms for life and health insurance are:

1. Failure to acknowledge, to pay or deny claims within specified time frames

2. Using unapproved, unfiled and/or noncompliant forms that do not provide mandated benefits

3. Failure to provide required disclosures, such as Explanation of Benefits statements, coverage issues, or guaranty fund notices

4. Failure to adhere to advertising requirements

5. Failure to adhere to replacement requirements

6. Failure to provide notification of producer appointments or terminations

7. Using unapproved, unfiled rates and/or rating errors

8. Failure to adhere to grievance and appeals and utilization review requirements

9. Improper documentation of claim files

10. Failure to properly terminate a policy

"It's a challenging, ongoing task for insurers to monitor the regulatory environment and make sure they are continually in compliance with requirements governing the industry," said David Evans, vice president and general manager of Insurance Compliance Solutions at Wolters Kluwer Financial Services. "This research is yet another tool we can offer insurers to help them identify potential problem areas and prevent the negative impact of noncompliance on their organization and their customers."

About Wolters Kluwer Financial Services

Wolters Kluwer Financial Services provides best-in-class compliance, content, and technology solutions and services that help financial organizations manage risk and improve efficiency and effectiveness across their enterprise. The organization's prominent brands include Bankers Systems, VMP® Mortgage Solutions, PCi, GulfPak, Desert Document Services®, AppOne®, GainsKeeper®, CCH® Capital Changes, NILS, AuthenticWebT, Uniform FormsT and CCH® Wall Street.

Wolters Kluwer Financial Services' solutions include integrated and stand-alone compliance and workflow tools, documentation, analytics, authoritative information and professional services. Customers include banks, credit unions, mortgage lenders, and securities and insurance organizations of all sizes throughout the United States. For more information on Wolters Kluwer Financial Services, visit www.WoltersKluwerFS.com.

Wolters Kluwer is a leading global information services and publishing company. The company provides products and services globally for professionals in the health, tax, accounting, corporate, financial services, legal and regulatory sectors. Wolters Kluwer has annual revenues (2007) of ?3.4 billion ($4.8 billion), maintains operations in over 33 countries across Europe, North America and Asia Pacific and employs approximately 19,500 people worldwide. Wolters Kluwer is headquartered in Amsterdam, the Netherlands. Visit www.WoltersKluwer.com for information about our market positions, customers, brands and organization.

Contacts

Wolters Kluwer Financial Services
Angela Peterson, 612-656-7745
Senior Public Relations Specialist
angela.peterson@wolterskluwer.com

New Private Loan Products From Student Funding Group

Student Funding Group Announces New Private Loan Products

Student Funding Group, LLC (StuFund) announced that it will be offering a number of new private student loan products. Some of these loans will feature no fees and are designed for students looking to finance their college education or consolidate private loan debt.

Liberty Corner, NJ  -  January 22 -- Student Funding Group, LLC (StuFund) announced that it will be offering a number of new private student loan products. Some of these loans will feature no fees and are designed for students looking to finance their college education or consolidate private loan debt.

The StuFund Solutions Loan will have zero fees and offer competitive rates. "Our loans are made to fit the needs of the student after they have exhausted scholarship, grant and federal loan monies" stated Sergio Sotolongo, Chairman and CEO of StuFund. In addition, StuFund will offer non-certified private loans that are paid directly to the borrower, continuing education loans, and private consolidation loans. "Our private consolidation loan offers a solution for college graduates looking to potentially lower their monthly payments into one manageable payment, eliminating the need to make multiple loan payments" continued Sotolongo.

The introduction of StuFund's new private loans completes a suite of loan products currently offered by StuFund including Federal Stafford, PLUS and consolidation loans.

About StuFund
StuFund is a minority business enterprise in the educational loan space. It is built on the philosophy that each and every student can and should have access to funding for quality higher education. The company's mission is to provide loans, particularly for students who could not afford college without such financing, and to support and guide families through the financial aid process. In addition to offering educational loans for undergraduate and graduate schools and college loan consolidation, StuFund's Knowledge Center provides expert advisement on college admissions and financial aid. It hopes to address the fact that many students do not have sufficient access to college advisement in their schools. Through partnerships with Universities, Corporations, and Non Profit Organizations, StuFund hopes to educate the public about the college application process and financing options. More information is available at www.stufund.com

Press Contact: Trish Green
Company Name: Student Funding Group
Phone: 845-354-8315
Website: www.stufund.com

Online Community Gets Additions From Payday Loan Provider

Payday Loan Provider Announces Additions to Online Community

Cash Doctors' online community is rapidly expanding with the first in a series of additions, designed especially for the public, being released today.

Gold Coast, Queensland  -  January 16 -- Cash Doctors, Australia's leading online payday loan provider, has today announced the first release of a series of website additions that are contributing to it's growing online community.

Cash Doctors and co-founder and Director Séan Teahan said that the purpose of the online community was to create a space online where both Cash Doctors clients and the public alike can gain a greater understanding of their finances and the associated issues.

As a result, not only are they getting a short-term solution to the financial woes, but they are getting tools to help them have more money in the long run too.

The first addition made available to visitors to the Cash Doctors website is 'The Cash Doctors Story' mini-documentary.

This video documents the story of how Cash Doctors' came to fruition, showing the struggle that the co-founders Greg Ellis and Shane Teahan experienced as they developed Australia's fastest online payday loan provider.

The video presents itself with a distinctly homegrown feel, adding strength to their statement that they, unlike most other payday loan providers, can identify with their clients through shared experiences.

"We too know what it's like to need a short-term cash fix, having found ourselves short of cash many times in years gone by," Mr Teahan said.

Another innovative feature that can be found on the company's website is the Cash Doctors Budget Template.

The company found that a lot of their clients wanted to create a budget for their finances but had no idea where to start. The template breaks down the expenditures in the average lifestyle in order to help people organize your finances.

These are just the first in a series of planned additions, with the next release due in the next fortnight.

For more information go to http://www.cashdoctors.com.au

About Cash Doctors: Cash Doctors is owned and operated by people just like you. We're all professionals in our 20s and 30s. We know what it's like to need a quick cash injection ...Read the Cash Doctors Story http://www.cashdoctors.com.au/story/

Press Contact: Greer Lean
Company Name: Cash Doctors
Phone: 00617 5591 2850
Website: www.cashdoctors.com.au

Housing Markets and Mortgage Markets Hinge on Jobs

Mortgage and Housing Markets Now Hinge on Jobs

Mike Larson takes a closer look at the housing and mortgage market crunch and how it is continuing to negatively affect the U.S. economy. In this issue of Money and Markets, Mr. Larson examines the U.S. economy and the problems that it's continually facing.

Jupiter, FL  -  March 9, 2008 -- Mike Larson takes a closer look at the housing and mortgage market crunch and how it is continuing to negatively affect the U.S. economy. Mr. Larson examines the U.S. economy and the problems that it's continually facing.

The most amazing thing about the housing and mortgage market crunch is that it has unfolded in the context of a decent employment backdrop and a growing economy. Home sales collapsed, inventories ballooned, and mortgage delinquency rates and foreclosures exploded. All this despite the fact the unemployment rate was falling and gross domestic product was steadily rising. The computer models that many lenders and ratings agencies relied on said this couldn't happen. That's one reason the depth of the housing and mortgage market meltdown caught Wall Street by surprise. As a newsletter put out by the Dallas Fed noted in late 2007:

"Subprime loan problems had surfaced just before and at the start of the 2001 recession but then rapidly retreated from 2002 to 2005 as the economy recovered. This pre-2006 pattern suggested that as long as unemployment remained low, so, too, would default and delinquency rates.

"This interpretation ignored two other factors that had helped alleviate subprime loan problems earlier in the decade. First, this was a period of rapidly escalating home prices. Subprime borrowers who encountered financial problems could either borrow against their equity to make house payments or sell their homes to settle their debts. Second, interest rates declined significantly in the early 2000s. This helped lower the base rate to which adjustable mortgage rates were indexed, thereby limiting the increase when initial, teaser rates ended.

"Favorable home-price and interest rate developments likely led models that were overly focused on unemployment as a driver of problem loans to underestimate the risk of nonprime mortgages ... When the favorable home-price and interest rate factors reversed, the past-due rate rose markedly, despite continued low unemployment."

Up until very recently, the vast majority of the mortgage market's problems were driven by the private recession in housing. The rest of the economy, particularly those sectors tethered to strong global growth, chugged along just fine. That prevented a broad-based rise in unemployment, with all its ramifications for credit quality. The unemployment rate is starting to rise off its low, hitting 4.9% in January 2008. Job creation in many sectors is grinding to a halt, while other sectors are seeing outright declines. Also a private report from ADP Employer Services estimated that the economy lost 23,000 jobs in February, the worst reading since April 2003. And an employment index that measures manufacturing sector hiring fell to 46 last month, the lowest in almost five years.

"Fresh figures from the Mortgage Bankers Association show the late payment rate on U.S. home loans jumped to 5.82% in the fourth quarter of 2007. That's up from 4.95% a year earlier and the highest since 1985. Even worse, 2.04% of U.S. mortgages are now in some stage of foreclosure. That's roughly double the levels of a year and a half ago, and the highest in U.S. history," Mr. Larson states.

Keywords: Mike Larson, housing, mortgage, markets, jobs, unemployment, credit

To read this issue online, please visit:
http://www.moneyandmarkets.com/Issues.aspx?Mortgage-and-Housing-Markets-Now-Hinge-on-Jobs-1509

About Mike Larson and Money and Markets

Mike Larson joined the company in 2001, and has more than 10 years of experience researching and writing about personal finance, investing, and the housing and mortgage industry. In 2003, Mr. Larson was named associate editor of the company's monthly Safe Money Report. In this role, he is responsible for writing and editing as well as analyzing trading opportunities for clients. Mr. Larson is also a regular contributor to the company's daily e-letter, Money and Markets.

Before joining Weiss Research, Mr. Larson was a personal finance reporter for Bankrate.com, where he wrote extensively on mortgage lending, banking, residential real estate, and Federal Reserve Board policy. His responsibilities included analyzing economic data and interest rate trends for a weekly column and developing rate forecasts for a regular index feature. Previously, Mr. Larson held positions at Bloomberg News and the Boston Herald.

Recognized as an interest rate and mortgage market expert, Mr. Larson's views have been quoted in the Washington Post, Chicago Tribune, Dow Jones Newswires, Reuters, Sun-Sentinel and the Palm Beach Post. He has also appeared as an investment expert to discuss the housing market on CNBC, CNN, and Bloomberg Television. His writing has been acknowledged by both the National Association of Real Estate Editors and the Massachusetts Press Association.

Among the first analysts to call the housing slide, Mr. Larson's new policy paper, "How Federal Regulators, Lenders and Wall Street Created America's Housing Crisis: Nine Proposals for a Long-Term Recovery" has received broad media coverage following its July 2007 submission to the Federal Reserve and FDIC. Mr. Larson holds B.A. and B.S. degrees from Boston University.

Money and Markets (www.moneyandmarkets.com) is a free daily investment newsletter from Dr. Martin Weiss and Weiss Research analysts offering the latest investing news and financial insights for the stock market, including tips and advice on investing in gold, energy and oil. Weiss Research, Inc. is located in Jupiter, Florida. For more information about our editors, or to set up an interview, please contact Jennifer Moran at 561-627-3300 or visit www.moneyandmarkets.com.


Press Contact: Andrea Baumwald
Company Name: Weiss Research, Inc.
Phone: 5616273300
Website: http://www.moneyandmarkets.com/Issues.aspx?Mortgage-and-Housing-Markets-Now-Hinge-on-Jobs-1509

Next Generation Platform For Financial Services Market Introduced

Provenir Introduces Its Next Generation Platform For Financial Services Market

Provenir Platform 6.0 Connects Business and IT to Allow Rapid Change within the Financial Services Industry

Parsippany, New Jersey  -  April 23, 2008 -- Provenir, a leading provider of enterprise software for managing the customer lifecycle, today announced the release of Provenir Platform 6.0. The Provenir Platform 6.0 helps banks and finance companies streamline customer management. Built upon open standards, the Provenir Platform ensures that financial institutions are more effective and efficient at responding to business changes, by standardizing their operations and customer treatment.

"The financial services market is undergoing a volatile market shift that is bringing enterprise flexibility to the forefront," said Kathleen Khirallah, managing director and Banking practice lead at TowerGroup. "Lenders are under increased pressure from the various regulators, profits are shrinking and customer expectations are rising in terms of how they are communicated with. Organizations that are positioned for this shift are going to prosper, gain market share and invoke greater customer loyalty."

Central to the Provenir Platform is the visual workflow that helps guide and unify IT Development and Business Analysts when designing and updating decision strategies that impact financial service companies' customers. The Platform enables teams located anywhere in the world to work independently on developing decision strategies and workflows while providing the necessary security and control to ensure resources are only able to view and modify items appropriate to their level of experience and authority.

As new strategies and policies are created and approved, the Platform provides banks and finance companies the ability to immediately push these out across their multiple banking channels (mobile, branch, online, call center) to ensure consistent customer management. IT Departments appreciate that the Platform is built on an open extensible mark-up language (XML) framework that allows for easy integration of data sources, applications, services and legacy system modernization. For Business Analysts, the Platform has a series of intuitive process flows, innovative graphical development tools, scorecards and wizards that simplify the management and maintenance of complex business logic and processes.

"Financial services companies need to address strategy updates and business change in an agile and efficient manner. It must occur across the organization and allow both business and IT departments to apply their expertise collectively," said Jeffrey Oulton, chief operating officer at Provenir. "The Provenir Platform unifies and encourages the reuse of workflows, decision strategies, and policies across lines of business and functional groups to streamline business processes and ensure consistent customer treatments throughout financial institutions."

Version 6.0 of Provenir Platform brings financial service companies a visual environment that allows Business and IT Departments to facilitate change, reuse business knowledge and reduce operating costs. Three significant breakthroughs in the newest release include:
 
 * Visual design and management environment simplifies and accelerates the modeling, testing and launch of new strategies. The Provenir Platform delivers this in the form of visual queues, visual testing environment, and intuitive search and replace.
 
 * Inheritance of business rules and decision strategies allows companies to share common corporate and business line policies, speeds the implementation of new and updated products and services, and aid in compliance with consistency and transparency.
 
 * New scorecard features give credit risk managers the ability to specify reason codes for increased understanding of factors that contributed to the overall score. They can also quickly implement more sophisticated models for improved predictability and decisioning. * The Provenir Platform is suited for multiple lines of business including commercial, small business, auto, sub-prime auto, personal lending and credit card. Business applications that benefit from the Provenir Platform include originations, prospecting and target marketing, account management, collections and recovery, customer service, and compliance.

Provenir will demonstrate the power of the new Platform at the Annual Provenir User Forum, May 12-14 at the Dolce Basking Ridge Luxury Retreat, Basking Ridge, NJ. The forum provides Provenir customers the opportunity to exchange information, understand the various factors that are impacting the financial services industry and how best to capitalize on the Platform. More information can be found at http://www.provenir.com/events.aspx.

About Provenir
Provenir is a leading provider of enterprise software for managing the customer lifecycle. Founded in 1992, the company's historical focus on solutions for the financial industry has led to successful implementations at major banks and credit institutions. This proven ability to handle key financial data and processes is now enabling companies in other industries to make use of the Provenir Platform to manage their customer lifecycle interactions.

Companies use Provenir software to create customized systems from a common architecture, letting IT and business collaborate to maximize profitability of operations that impact financial performance. Business applications of Provenir technology include originations, prospecting, account management, collections and recovery, customer service, security, and compliance.

Provenir is privately held, with headquarters in Parsippany, New Jersey. Customers in the United Kingdom and continental Europe are served from offices in London. Asia/Pacific operations are headquartered in Hong Kong. Information about Provenir, the Provenir Platform, and professional services are available on the company's website at www.provenir.com.


Press Contact: MARK PETERSON
Company Name: Provenir
Phone: 831-626-4400
Website: http://www.provenir.com/

Former Credit Card Information Resource Website Re-launches

Credit Card Information Resource MyCreditCard.com Re-launches Website

Website optimization allows users enhanced ability to find the best credit card options.

Atlanta, GA  -  April 22, 2008 -- MyCreditCard.com, a credit card information website that helps users find the best credit card offers, announces the re-launch of its new and improved website. After initiating a successful website optimization campaign, users can now easily find a wide range of credit card information and details on MyCeditCard.com through a simple online search. The ability to locate this information quickly via effective website optimization will guarantee that users' needs are met and that they continue to return.

"We want to make it as easy as possible for users to find the helpful credit card information on MyCreditCard.com when they are trying to choose the right card," said Woody Alpern, one of the founders of MyCreditCard.com. "Our recent website optimization initiative is just another way to ensure that result."

MyCreditCard.com offers an innovative and useful service by allowing users to choose from the best credit card options currently available, compare the preferred credit card options side-by-side, and quickly and easily apply online. MyCreditCard.com's credit card information can help you decide which credit card is right for you. For more details about this online credit card comparison website, please visit www.mycreditcard.com.

About MyCreditCard.com
MyCreditCard.com is unique website that continually monitors the credit card industry to find all of the best credit cards in a wide range of categories, from student and business credit cards to cards with rewards programs. Visitors to the site can compare credit cards in each category to find the ones with the best fit for their lifestyle and apply online in seconds.


Press Contact: Woody Alpern
Company Name: MyCreditCard.com
Phone: 404-531-0018
Website: http://www.mycreditcard.com

---

 Credit cards can be used in some cases for lawsuit financing or legal funding when there are a number of expenses related to a legal case and budgets are limited. Generally a credit care would be preferred over a fast payday advance loan, since they are for shorter terms and higher interest rates. 

New Product Features Include Federal Analysis and Commentary; Pending Legislation

AllRegs Releases New Product Features: Federal Analysis and Commentary; Pending Legislation

EAGAN, Minn.-- June 02, 2008 --AllRegs, the leading publisher of guidelines for the mortgage industry, announces the release of online product enhancements allowing subscribers to access analysis and commentary on federal legislation or view pending state or federal legislation.

In addition to searching the comprehensive online database consisting of thousands of pages of government and conventional single family lending guidelines and forms, subscribers of the flagship Single-Family Lending Package can now access the following:

    * Plain-language analyses and interpretive summaries for major federal legislation dealing with the residential mortgage lending industry, with links directly to supporting statutes and regulations
    * Continuous updates with e-mail notification
    * Federal disclosures and other forms

This Federal Analysis and Commentary covers the following major federal legislation:

    * Alternative Mortgage Parity Transaction Act
    * Depository Institutions Deregulations and Monetary Control Act
    * Equal Credit Opportunity
    * Fair Housing Act
    * Fair Credit Reporting Act
    * Fair Debt Collection Practices Act
    * Garn-St. Germaine
    * Home Mortgage Disclosure Act
    * Home Ownership Protection Act
    * National Flood Insurance Act
    * Real Estate Settlement Procedures Act
    * Truth In Lending Act

A new feature within the State Compliance Package, Pending Legislation features all pending state and federal bills, from pre-file to enacted status. The notification feature of Pending Legislation can be considered an early warning system for future changes in processes and procedures. By keeping up with the progress of the legislation, users can revise processes in advance to accommodate the new law and regulation.

Bills are categorized and searchable by subjects, such as licensing, fraud, fees and more. Users will learn all of the details regarding the pending bill, including the bill number, category, title, date, status and summary. The status information will change as the bill changes, but the bill summary will remain the same. From each matrix, users can link out to the State Legislature's web site and view the bill's full text.

Should you have any questions regarding this product enhancement or if you'd like to see a demo, please contact AllRegs Customer Service at (800) 848-4904 Monday through Friday between the hours of 8:00 a.m. CT and 6:00 p.m. CT. or email help@allregs.com.

About AllRegs:

First introduced in 1989, AllRegs is used by virtually all of the top 100 lenders as well as throughout numerous governmental agencies, including Fannie Mae, Freddie Mac, the FHLBs, FHA, VA, RHS, Ginnie Mae, and more. AllRegs is the exclusive electronic publisher of the Fannie Mae and Freddie Mac Single and Multi-Family Seller/Servicer Guides, The Federal Home Loan Banks' MPF Program Guidelines, and CalPERS' Member Home Loan Program Guidelines. Products include single and multifamily underwriting & insuring guidelines as well as federal compliance laws and regulations, state compliance laws and regulations with plain-language analyses, contract publishing services for retail and wholesale lenders and a library of historical guidelines. The educational division, AllRegs Academy, offers distance learning, classroom training, and a series of online Practical Guides. For more information call (800) 848-4904 or go to www.allregs.com.

Contacts

For AllRegs
Meredith Boyd, 678-781-7219

SBSS PayNet 1.0 Model Suite Introduced By PayNet and Fair Isaac

PayNet and Fair Isaac Introduce the New SBSS PayNet 1.0 Model Suite

SKOKIE, Ill. & MINNEAPOLIS-- June 02, 2008 --PayNet, Inc. and Fair Isaac Corporation (NYSE:FIC) today announced the launch of the new SBSS PayNet 1.0 scoring models. This model suite combines PayNet's powerful commercial database with Fair Isaac's statistical and analytical expertise. Fourteen of the 20 models support term loan/line of credit lending and six models support leasing. The SBSS PayNet 1.0 model suite has been proven in testing to be highly effective in enhancing existing risk processes to predict the potential delinquent behavior of small business accounts. The solution allows the small business lender to achieve greater profitability through increased acceptance rates and decreased losses providing lenders different data sources to evaluate risk. The scores are available through the latest release of LiquidCredit® service 6.6.1 from Fair Isaac.

"Small business is the engine that drives the U.S. economy, and with the economy now under severe pressure, lenders and lessors who serve small businesses are looking for new ways to improve profitability while mitigating risk," said Marcus Bishop, Vice President Product Management, Fair Isaac Corporation. "The newest release of Fair Isaac LiquidCredit, which includes new SBSS PayNet models, is exactly what these businesses need to compete and win."

Tom Ware, PayNet's Senior Vice President of Analytics & Product Development, added "We have heard for a long time that both banks and finance companies wanted a comprehensive scoring solution based on 'comparable' term credit data, rather than just on trade data, and that they wanted it as part of the time-tested and trusted Fair Isaac SBSS model suite, so that it can be used immediately. This new release of SBSS now provides banks and finance companies with this more powerful solution."

About PayNet

PayNet provides world-class commercial leasing/lending solutions for equipment financing based on its exclusive combination of proprietary term-debt database, state-of-the-art scoring science and commercial-lending expertise. These dynamic solutions have proven to enhance every aspect of commercial-lending portfolios from profitability and risk management to credit-decisioning procedures and operating cost-control. PayNet's extensive capabilities include its Strategic Business Review - a comprehensive analysis of a lender's business, including credit quality and default rate analyses of existing portfolio, current originations, and potential markets, based on peer benchmarking against industry competitors. These solutions span every segment of commercial equipment lending and leasing from Transportation, Construction and Agriculture to Healthcare and Retailing. Learn more about PayNet at www.paynetonline.com.

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) transforms business by making every decision count. Fair Isaac's Decision Management solutions combine trusted advice, world-class analytics and innovative applications to give organizations the power to automate, improve and connect decisions across their business. Clients in 80 countries work with Fair Isaac to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. Fair Isaac also helps millions of individuals manage their credit health through the www.myFICO.com website. Learn more about Fair Isaac at www.fairisaac.com.

Fair Isaac Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its LiquidCredit product offerings, and the benefits to be derived from these offerings, are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including any unforeseen technical difficulties related to the implementation, use and functionality of the offerings, the risks that customers will not perceive material benefits from the offerings, failure of the products to deliver the expected results, the possibility of errors or defects in the offerings, regulatory changes applicable to the use of consumer credit and other data, and other risks described from time to time in Fair Isaac's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2007, and its quarterly report on Form 10-Q for the period ended March 31, 2008. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materializes or any of these assumptions proves incorrect, Fair Isaac's results could differ materially from Fair Isaac's expectations in these statements. Fair Isaac disclaims any intent or obligation to update these forward-looking statements.

Contacts

PayNet, Inc.
Doug Cleveland
847-745-6065