This is your very first post. Click the Edit link to modify or delete it, or start a new post. If you like, use this post to tell readers why you started this blog and what you plan to do with it.
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This is your very first post. Click the Edit link to modify or delete it, or start a new post. If you like, use this post to tell readers why you started this blog and what you plan to do with it.
Well my last few blogs have been about what happens when you apply for a loan of any kind.
Companies set up algorithms at lets say 680 FICO score and you hit 679…you just got turned down.
2nd problem is they have a limited scope of lenders (like CreditKarma etc.) or just a single lender you applied for, and each time you hit that little “lets see what you qualify for” it uses a “soft” pull. Sounds good right? Didn’t hit my credit report right? WRONG
Soft pulls are recorded in a different credit file than hard pulls, hard pulls show up immediately, most credit inquiries stay on your record for 2 years or more, that includes soft pulls.
What happens it accumulates the “soft pulls” and eventually (the lenders see these) and as you have to many-instant turn down. Generally speaking, only about 10-15% of people get approved and usually not what they requested.
Our award winning service searches over 30 top lenders & banks in 60 seconds without impacting your credit score…that’s one “Soft Pull” to reach 30 plus lenders and find the best matches that you can select from. From personal, student, business, auto, home improvement loans and more.
Go to https://lendingcapital.net & Start my free search
I know some of this seems redundant from previous blogs I have done, but, it seems I need to repeat some of the highpoints (or low points depending on how you look at it). Here is short summary of what you need to get together.
Remember this: Almost 90% of all bank loans get turned down.
The old bait & switch,” get approved in seconds and get funded in hours”- in lending instant gratification can cost you a lot of money. High interest, short terms, and not as much as they promised or even turned down after they actually pull your credit.
We hope this helps you, our goal is always to help businesses and individuals who want to start a business.
We have realistic lending programs from established to start ups-Lendingcapital is a national direct lending platform.
We are SSL Certified,-Malware & Google Blacklist secured
Soft inquiries (also known as “soft pulls”) typically occur when a person or company checks your credit as part of a background check. This may occur, for example, when a credit card issuer checks your credit without your permission to see if you qualify for certain credit card offers. Your employer might also run a soft inquiry before hiring you.
Unlike hard inquiries, soft inquiries won’t affect your credit scores. (They may or may not be recorded in your credit reports, depending on the credit bureau.) Since soft inquiries aren’t connected to a specific application for new credit, they’re only visible to you when you view your credit reports.Common Question
Yes it can. Even though this is reported as a soft inquiry, it may not lower your credit score, however, some bureaus report “excessive soft pulls” and will decline as they feel you are looking and being turned down...SO CAUTION on how many soft pills you do. You can check your VantageScore 3.0 credit scores from two major credit bureaus, TransUnion and Equifax, for free at creditkarma.
The difference between a hard and soft inquiry generally boils down to whether you gave the lender permission to check your credit. If you did, it may be reported as a hard inquiry. If you didn’t, it should be reported as a soft inquiry, again, many soft pulls can cause a lender to decline your application.
Let’s look at some examples of when a hard inquiry or a soft inquiry might be placed on your credit reports. Note: The following lists are not exhaustive and should be treated as a general guide.
Keep in mind, there are other types of credit checks that could show up as either a hard or soft inquiry. For example, utility, cable, internet and cellphone providers will often check your credit.
If you’re unsure how a particular inquiry will be classified, ask the company, credit card issuer or financial institution involved to distinguish whether it’s a hard or soft credit inquiry.
We recommend checking your credit reports often. If you spot any errors, such as a hard inquiry that occurred without your permission, consider disputing it with the credit bureau. You may also contact the Consumer Financial Protection Bureau (CFPB) for further assistance.
This could be a sign of identity theft according to Experian, one of the three major credit bureaus. At the very least, you’ll want to look into it and understand what’s going on.
Keep in mind, you can only dispute hard inquiries that occur without your permission. If you’ve authorized a hard inquiry, it generally takes two years to fall off your credit reports.How to dispute an error on your credit report
When you’re buying a home or car, don’t let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates.
FICO gives you a 30-day grace period before certain loan inquiries are reflected in your FICO® credit scores. And FICO may record multiple inquires for the same type of loan as a single inquiry as long as they’re made within a certain window. For FICO scores calculated from older versions of the scoring formula, this window is 14 days; for FICO scores calculated from the newest versions of the scoring formula, it’s 45 days.
Similarly, the VantageScore model gives you a rolling two-week window to shop for the best interest rates for certain loans. “That way, they only impact your credit score once,” the company says.
Your credit scores play a big role in your financial well-being. Before applying for credit, take time to build your credit scores. With stronger credit, you may improve your chances of being approved for the financial products you want at the best possible terms and rates.
To help you keep track of hard inquiries that may influence your credit scores, check your credit reports from TransUnion and Equifax . While one hard inquiry may knock a few points off your scores, multiple inquiries in a short amount of time may cause more damage.
via SBA PPP Program
Visit our website: https://lendingcapital.net For more information & submit your application & upload required documentation and requirements.
We have several SBA approved lenders who are participating in the new SBA PPP Program. Fill out the application below along with the required documentation . Keep in mind that banks are presently only processing PPP loans for those who have an existing deposit or lending relationship with them (we do not have that rule). Banks also have certain statutory lending limits that our non-bank lenders do not – Many banks are not participating in the program
To obtain loan forgiveness through the PPP, you will need to provide verification to your lender for the number of full-time equivalent employees and pay rates, payments on eligible mortgage, lease, and utility obligations. You must certify that these documents are true and that you used the forgiveness amount to retain employees and made eligible mortgage interest, rent, and utility payments. The lender must make a decision on forgiveness within 60 days.
Don’t wait-it costs you nothing to apply…https://lendingcapital.net
We can help get you back in business! https://lendingcapital.net
Chances are, you’re reading this article because you’ve just found out that you’ve been added to the Terminated Merchant File (TMF) or MATCH list. And now you’re scrambling to figure out what this “list” or “file” actually is, and how you can get yourself off of it. Am I right?
Well, don’t feel too bad, because you’re not the only merchant who’s been caught off guard. The truth is that most merchants don’t know that they are TMF’d or MATCH’d until they submit an application for a new account elsewhere and find that they are declined. At which point, the reason for the decline is revealed to them.
MATCH is a system created and managed by MasterCard. It is essentially a database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for reasons which I’ll discuss later.
It is used by acquiring banks (aka merchant processing banks) to screen potential applicants to see if that applicant has been terminated in the past. Acquiring banks also have the ability to add or remove merchants to or from the MATCH database, given they have justification.
In a nutshell, the MATCH file is like a “blacklist” that banks can cross-check when they take on new business. That way, they won’t get stuck with any bad apples.
When a merchant is placed on the MATCH list, the business name, principal, and any business partners are all recorded on file and basically blackballed (for the most part) from opening any new merchant accounts elsewhere. Once on the MATCH, it is extremely difficult to obtain a new merchant account by any other bank.
The reasons for being added to the MATCH database can vary. Having too many chargebacks, participating in fraudulent activity, or money laundering are all activities that can get you listed.
In the past, MasterCard made it really easy for acquiring banks to add merchant’s to the list, but in recent years, they’ve become more strict with their guidelines.
Here’s a quick table I pulled from the MasterCard website (see table 11.3). The numbers before each category are “reason codes,” so if somehow you only have a reason code, you can look for it in the table to find out what it means.
|01||Account Data Compromise
The Merchant unknowingly or unintentionally facilitated, by any means, the unauthorized disclosure or use of account information.
|02||Common Point of Purchase (CPP)
The Merchant knowingly caused or facilitated, by any means, the unauthorized disclosure or use of account information.
The Merchant was engaged in laundering activity. Laundering means that a Merchant presented to its Acquirer Transaction records that were not valid Transactions for sales of goods or services between that Merchant and a bona fide Cardholder.
With respect to a Merchant reported by a Mastercard Acquirer, the Merchant’s chargebacks in any single month exceeded 1% of its Mastercard sales Transactions in that month, and those chargebacks totaled USD 5,000 or more. With respect to a merchant reported by an American Express acquirer (ICA numbers 102 through 125), the merchant exceeded the chargeback thresholds of American Express, as determined by American Express.
The Merchant effected fraudulent Transactions of any type (counterfeit or otherwise) meeting or exceeding the following minimum reporting Standard: the Merchant’s fraud-to-sales dollar volume ratio was 8% or greater in a calendar month, and the Merchant effected 10 or more fraudulent Transactions totaling USD 5,000 or more in that calendar month.
There was a criminal fraud conviction of a principal owner or partner of the Merchant.
The Merchant was unable or is likely to become unable to discharge its financial obligations.
|10||Violation of Standards
With respect to a Merchant reported by a Mastercard Acquirer, the Merchant was in violation of one or more Standards that describe procedures to be employed by the Merchant in Transactions in which Cards are used, including, by way of example and not limitation, the Standards for honoring all Cards, displaying the Marks, charges to Cardholders, minimum/maximum Transaction amount restrictions, and prohibited Transactions set forth in Chapter 5 of the Mastercard Rules manual. With respect to a merchant reported by an American Express acquirer (ICA numbers 102 through 125), the merchant was in violation of one or more American Express bylaws, rules, operating regulations, and policies that set forth procedures to be employed by the merchant in transactions in which American Express cards are used.
The Merchant participated in fraudulent collusive activity.
|12||PCI Data Security Standard Noncompliance
The Merchant failed to comply with Payment Card Industry (PCI) Data Security Standard requirements.
The Merchant was engaged in illegal Transactions.
The Acquirer has determined that the identity of the listed Merchant or its principal owner(s) was unlawfully assumed for the purpose of unlawfully entering into a Merchant Agreement.
According to this Mastercard PDF (see section 11.2.6), you’ll remain in the system for 5-years
We can help…TMF or Matched file: CBD-High Risk-Kratom-Flower-Pre-Roll-Hemp-Vape-Loans-Equipment Leasing and other high risk merchants
Go to our website fill out our no cost no obligation website and see how we can help you get back to business: https://lendingcapital.net
CBD merchants tired of not being able to process credit cards to you site?
The banking and processing industry has a stigma against cbd merchants in general-BUT ESPECIALLY FOR FLOWER merchants.
Well, we are happy to say that we can end your misery in that department…with great rates, terms, very few conditions, and NO LOOKING OVER YOUR SHOULDER waiting to be cancelled.
Check this out:
WE CAN ACCEPT PRE-ROLL + FLOWER + SEED HEMP/CBD MERCHANTS
FLOWER MERCHANTS MUST BE PRODUCING MINIMUM $100,000 PER MONTH
All rates are determined by underwriting…no applications will be processed until all information is complete – including any additional information we may request
* rate of 4.95- 6.95 (6.95 for start ups) Reviewed every 90 days * $.35 transaction
* 10% reserve for 180 days under 50K Monthly volume
* 5% reserve for 180 days over 50k Monthly Volume
* No reserves over 100K Monthly Volume
* Interchange plus pricing over $200k Monthly Volume
* 7 day approval time to go live
Our program has a 90% plus approval rate and 90% plus no cancellations except for excessive chargebacks
I speak from first hand experience as one of my kids has ADHD-we took her off ADDERAL (horrible drug) and put her on CBD gummies & Oils-WOW! what a a difference!
Attention Deficit Hyperactivity Disorder (ADHD) affects millions of Americans and it disrupts the quality of life with an inability to focus on even the most mundane daily tasks. Anyone diagnosed with ADHD knows how much it can be a struggle at school, at work, and in relationships with family and friends. Prescription medications intended to treat ADHD can have unwanted side effects and can also be cost-prohibitive for many.
But, CBD for ADHD? Does it work?
CBD oil and similar CBD products present a safe and all-natural alternative that may provide much-needed relief and a better quality of life for those with ADHD.
There’s so much information out there and a lot of this information can be inaccurate. It’s so easy to be misinformed, especially when talking about the real benefits that CBD cannabidiol can bring to those who are diagnosed with ADHD. We’re here to keep things simple for you. We’ve broken down everything you need to know about the correlation between ADHD and CBD, as well as some answers to some of the most frequently asked questions we get regarding this topic.
What is CBD?
CBD, a cannabidiol, is just one of the 113 chemical compounds that are cannabinoids and found in cannabis. You’ve probably heard of THC, the compound that brings psychedelic effects and brings a high to those who smoke, ingest, or consume it in whatever way. CBD is not this. In fact, CBD is nowhere associated with THC and doesn’t get you high or “stoned” in any way. You can use something like CBD oil and be clear-headed 100% of the time.
Because CBD and CBD oil does not get you high, you won’t have to worry about feeling the “couch lock” feeling or any of the other negative effects that THC can bring you. Once more with feeling: CBD is not THC.
In fact, CBD is legal and can be bought anywhere. Have you seen those hemp ingredient skincare lines or supplements at your local health foods store? More than likely, those have CBD in them in some capacity. Because it doesn’t get you high, it’s legal!
What Is CBD Oil?
Derived from cannabis, cannabidiol (CBD) is a natural compound touted as a “miracle cure” for its many healing and therapeutic effects. CBD products offer a natural anti-inflammatory and pain reliever, and it has been used effectively to treat everything from arthritis to depression and even epileptic seizures. While we still don’t have long-term studies supporting CBD treatment evidence, early and anecdotal evidence shows it to be an incredible natural healer. Researchers and scientists continue to devote studies to CBD to better understand how it works within our bodies and to discover new and innovative ways to use it in health care.
Our body produces its own cannabinoids (we have an “endocannabinoid system”) and CBD interacts with those in a way to lessen pain and address many other concerns. CBD acts on our bodies’ own receptors to create changes in bodily functions, which can ease the symptoms of many illnesses. CBD regulates our homeostasis and can enhance the quality of sleep, reduce the symptoms of anxiety and depression, and contribute to overall health and well being. It is important to note that CBD differs from another cannabis compound, THC, in that is has no psychoactive effects: it does not produce a high when ingested, inhaled, or applied topically.
What Is ADHD?
Attention Deficit Hyperactivity Disorder is most often associated with children, though many adults have undiagnosed ADHD. In the brain of someone with ADHD, chemical differences affect the way signals are sent, especially when it comes to attention and focus. These differences are likely linked to genetics and research is ongoing to understand this syndrome that affects millions of people.
The brain functions that regulate everything from memory to concentration are disrupted by ADHD and typical treatment usually involves both therapy and medication. While significant advancements have been made in
prescription medications intended to address ADHD, they are still associated with some troubling side effects. Users may experience decreased appetites and weight loss, difficulty sleeping, irritability, headaches, and stomachaches. Problems can occur when the medicine wears off or is used in incorrect dosages and the use of these medications can lead to stunted growth and circulatory issues as well. And as is often the case with prescription medications, addiction can be a danger for users. Plus, the cost of these medications can be prohibitive for some, along with the costs of therapy.
ADHD is a complex diagnosis and is, in fact, often misdiagnosed. Researchers have found differences in the way ADHD presents in males and females, adding to the complexity and challenges associated with addressing it. Before considering any medication—be it prescription or natural—it is best to seek out a clear and thorough diagnosis, which may require second or even third medical opinions.
How can CBD help with ADHD?
Those who have ADHD have a hard time of both dealing with anxiety and staying focused or concentrated on a certain task. Simply put, CBD oil can help with both of these common issues. Not only does it decrease some of those negative symptoms that those diagnosed with ADHD experience, but it also helps increase one’s ability to focus and concentrate on a specific task at hand.
However, for those who are dreaming of big things, CBD cannot cure ADHD. Can it relieve negative symptoms associated with those who are diagnosed with ADHD? Yep. It just can’t cure it.
Because this “cure” factor is nonexistent, that means the oil or CBD will eventually wear off and you’ll begin to feel those negative symptoms again. Much like a medication (like aspirin when you have a headache), you’re going to need to use that CBD oil again if you’re experiencing horrible anxiety or need more focus.
The primary role of CBD when it enters our bloodstream is to restore homeostasis—basically getting our body back into normal order. This effect is certainly promising as it relates to ADHD, as well as a variety of other syndromes and disorders.
However, because it helps to level out your brain, you’ll soon be wishing you discovered CBD a long time ago.
Q: Are there other benefits to CBD or using CBD oil? Any others related to those who are diagnosed with ADHD?
A: There are literally a ton of benefits associated with CBD. Obviously, if you are diagnosed with ADHD, the ones you’re probably concerned with are concentration and anxiety (and CBD, as we discussed above, helps with both). However, that doesn’t mean that is all the benefits associated with CBD. In fact, just by using CBD oil, you can experience pain relief and a reduction of inflammation. CBD is also used for those who have a hard time sleeping and it can also help with reducing nausea!
CBD has also been known to help with acne, ADHD (as we discussed), bipolar disorder, stress, anxiety, depression, OCD, severe pain, chronic pain, cancer symptoms, and arthritis.
There are a ton of benefits that CBD can bring to your lifestyle; these are only a few. It can also treat many other symptoms and situations!
Q: What’s the best way to administer or ingest the CBD oil for my ADHD?
A: The best way to get the oil and CBD into your system is to use the dropper to place a few drops on your tongue—but don’t swallow! Instead, let the drops settle into your tongue, where it will very quickly reach your brain. This happens quite fast and you may feel the effects almost immediately. If you’re a first-time user, we highly recommend only using about one or two drops to find out what you need. The worst thing you can do is to use too many drops and then have horrible symptoms. Start small and see what your body needs! Everyone is different!
Q: Are there other ways and methods to use CBD without using the oil?
A: Yes! If you live in a state where smoking marijuana is legal, you can find certain strains that are high in CBD and smoke them in that format. And smoking in this capacity also brings about new methods, such as smoking a joint or using a bong (among others).
You can also use CBD in its pure (or isolate) form and put it in food. Because you can use CBD in this format that also means you can DIY your own little recipes if you’re feeling creative and more comfortable with CBD down the line. Whether it’s making your own tea, your own bath bomb, your own lotion, or your own skincare, CBD can be put in many different recipes to some really great results.
You can also find CBD patches, which are great for those who want that constant stream of pain relief flowing through their systems at all times. This is a great method for those who do have that chronic pain yet live quite busy lifestyles. It’s also great to use patches if you find yourself constantly forgetting to take your supplements or using your oil until the pain is back. Patches mean longer dosages (sometimes up to 96 hours), meaning it can be easier to function for some.
Q: What Kind of CBD Product Should I Try to Treat ADHD?
Again, let’s emphasize the most important point: you should discuss the use of CBD oil with a physician first, especially if it will be used by children or adolescents.
CBD oil derived from the hemp plant has minimal amounts of THC, though users may still test positive for THC without getting any kind of “high” from a product.
CBD oil can come in a variety of forms, from tinctures to capsules to edibles and “gummies.” CBD oil can be added to foods or beverages you consume daily. It can also be smoked using a vaporizer, or even applied as a topical cream.
Some of the CBD hemp oils reviewed for the use of ADHD treatment can be found here.
CBD & Parkinson’s Disease
Nov 21, 2018
Hemp Oil Is Not Mary Jane
Nov 10, 2018
Calming Effects of CBD
The family name “Cannabis” is not known for its wide array of compounds. Instead, it is known for its most popular compound called Tetrahydrocannabinol (THC). This is the well-known substance found in marijuana which is psychoactive and causes the “high” feeling in people who partake in marijuana.
On the other side of this coin there is CBD (Cannabidiol). This is a natural substance which has been obtained from hemp plants. There are over 104 compounds in cannabidiol, but unlike the THC found in marijuana, CBD is not psychoactive.
Scientifically, the compounds look almost identical when you place them together. Organically, they couldn’t be more different to the user. CBD hemp oil contains little to no THC, which does not cause a “high” in the user. At most, CBD contains 0.3% of THC, which is still not enough to produce any effects, and is also the legal limit for this type of product.
In fact, Ernest Small wrote The Species Problem in Cannabis which determined a very controversial topic within the community when he said,
“There is not any natural point at which the cannabinoid content can be used to distinguish strains of hemp and marijuana”.
Essentially, he scientifically proclaimed the 0.3% THC in hemp was the main difference which separated hemp oil from marijuana.
The reason this oil has become so effective is how the cannabinoids found in CBD oil mimic the endocannabinoids our body naturally produces. This oil communicates with the receptors in the brain (the liquid precursors and neurotransmitters) which tell our brain there’s endocannabinoids in the body. This communication between the postsynaptic and presynaptic triggers allow the CBD to travel backwards, doing what it needs to do to complete its task.
Pretty neat huh?
Hemp contains all kinds of great things like omega 3, omega 6, and they are very high in fatty acids which can prove beneficial to the user.
When you think of hemp and/or marijuana, you always lean towards the idea that these are mostly used in human consumption. While this is the major truth for marijuana, it’s not true for hemp.
Hemp is used in all kinds of different things that isn’t meant to be consumed by a human. For instance, hemp can be grown as a renewable source for raw materials which can be incorporated into thousands of products people use every day.
When you begin to understand the overall picture between hemp and marijuana, you can start to see smaller characteristics stand out more which make them different.
Some of these which stand out are the fact that hemp and marijuana are not the same plant. They are separate plants within the cannabis genus, and have very different characteristics.
Hemp has a low volume of THC and a high volume of cannabidiol. On the other end of this spectrum, marijuana has high volumes of THC and low volumes of CBD. Due to this high volume of THC, the marijuana plant offers psychotropic effects.
Finally, one of the most important aspects is marijuana and marijuana oil is regulated by different laws in each state, and in some, completely illegal to consume.
It’s important to stay updated on the legality of CBD oil, and I found a very informative article which shares the most recent laws in the United States. Remember, not all states have the same ideas as others. We can only hope that at some point in the near future, all CBD related products will be made available for those who need it or want to try alternatives to what they’re doing already.
In short, CBD isn’t marijuana. While it may be directly related, there are specific differences which make the two stand out.
The CBD/Hemp oil movement is consistently growing and becoming more popular. As the growth of this plant becomes more prevalent in the lives of wellness-minded individuals, more knowledge is needed to ensure you are consuming the best quality derived hemp oil on the market.