A year ago, Mesa City Councilman Mike Whalen thought the business market would take care of the glut of payday loan stores in the city. Now, Whalen says he was wrong. "The mood of the city is, ‘We’ve got enough,’" he said Tuesday.

Last October, Whalen and the council voted down an ordinance that would have put a quarter mile between payday loan stores.

Whalen said he aims to bring the issue back to the City Council before his term ends in June.

The District 2 councilman’s apparent change of heart comes on the heels of Monday’s council vote against allowing a new Max-It pawn shop to open in west Mesa, and may indicate a change in the council’s usual approach.

For some members of the Council, private property rights and the free market have always governed city business.

For instance, Mayor Keno Hawker voted against the pawn shop, admitting it was a departure from his usual philosophy, but acknowledging the work that west Mesa residents had done to improve the area.

As for payday loans, Whalen said he bought the theory that bad operators would go away if the free market was allowed to dictate the business.

"I think enough is enough," he said Monday. "When you’ve got a community that has fought so hard to come back from being so down, it’s the little things that make a difference to them."

Discussions of pawn shops and payday loan stores in west Mesa always come down to improving the image of the area.

"It’s our neighborhood, why wouldn’t we want to change that?" said Dave Richins, a leader in the Mesa Grande Community Alliance, which vocally opposed the pawn shops and has spoken out against payday loan stores flooding the area.

Richins pointed to west Mesa developments such as Bass Pro Shops, Waveyard water adventure park, the Mesa Arts Center, light rail and the impending reinvestment at Fiesta Mall.

"That says something about what’s happening here," he said.

Since 2000, the number of payday loan stores in the state has grown into the hundreds, and Mesa is home to several. Some stores are only a few feet away from each other.

"Residents don’t like the stores and they view it as a deterrent to what they view as healthier businesses," said Vice Mayor Claudia Walters.

Walters heavily pursued the regulation of payday loan stores last time it came before the council.

She said she and Whalen already have started to revisit the issue.

"He came to me and said I’d like to fix it," she said. "I said, ‘Wow.’"

But creating an ordinance to regulate the loan stores won’t be easy - even the second time around.

The City Council may face more difficulties now than they did last year with the passage of Proposition 207, and some council members still don’t like the idea.

The proposition approved by voters on the 2006 ballot says that property owners must be paid whenever state or local governments diminish the value of private property.

Walters said she is researching how Prop 207 would affect the regulation of payday loan stores.

Somers said he was surprised at Whalen’s change of heart, but said he would still vote against a distance requirement.

"It’s not going to reduce the number of those facilities, even though a lot of people hate these things," he said.

The change needs to happen with banking laws and caps on interest rates, Somers said.

"This issue belongs on a state level," he said.

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(PRWEB) Brett C. Bruce, President of Fix It Credit, and consumer advocate, reveals the latest tested and proven credit repair strategies that consumers can apply immediately to increase their credit score and save loads of money in interest. His free e-Book keeps consumers ahead of the curve and covers the most current news and trends on topics ranging from:

*Understanding Credit and how it affects your everyday life
*The 3 major credit bureaus and why you should know what they are up to
*How to get your credit reports absolutely free
*How to read your credit reports and deciphering the credit code
*What affects your credit score and how much weight is given to each area
*What collections agencies can and can’t do
*Determining whether or not Consumer Credit Counseling is for you
*When its time to consider filing bankruptcy
*How to repair your own credit legally and quickly
*How credit repair companies work and how to choose the right one
*How to maintain your good credit standing
*How to protect yourself from identity theft and who to contact if it happens to you
and much more…

The revised e-Book, "The Free Credit Repair Kit – Version 2006" also includes several sample credit repair letter templates that can aid consumers in their quest for an improved credit score.

This free e-Book can be accessed at http://www.fixitcredit.com It rocketed to number two on Google for the term "credit repair book", just below Amazon.com. The websites reach and traffic have tripled over the past several months.

Brett has been able to extend his reach to more consumers than ever. “More and more consumers are finding themselves drowning in debt and the real estate boom hasn’t helped the situation. Many families are spending more than seventy percent of their total gross income on home and consumer debt. That doesn’t leave much for food and other necessities.”

Fortunately, the Internet has become widely more accepted and has made it easier for Brett to get his message out. "Many times the information contained in your credit report is incorrect or inaccurate. The information I share in my e-Book can save consumers thousands of dollars a year."

The author, Brett C. Bruce, has been sharing his strategies and tactics for free online since 2000. Many of his visitors report amazing results thirty to sixty days after implementing Brett’s easy-to-follow guidelines.

About Brett C. Bruce
In 2000 Brett launched one of the first free credit repair websites (then called “First American Credit Institute”) — even before many of the credit bureaus began offering the information online. Since then, he continually works to research and improve “The Free Credit Repair Kit” with new and updated information.

Brett, through FixItCredit.com, is a proponent of consumer education and awareness, and consistently updates his state-of-the-art e-Book and newsletter that thousands of consumers have utilized to rebuild their credit scores. His techniques and strategies for consumer credit repair have been implemented by thousands of website visitors creating awareness that there is free help available.

Fix It Credit (http://www.fixitcredit.com) specializes in teaching consumers about credit, credit bureaus, and credit repair. His web sites traffic has increased over 300% and his opt-in rates for his “Free Credit Repair Secrets” newsletter have more than quintupled since the announcement of his updated version of his free e-Book.

Brett provides all the tools and resources consumers need in order to understand their credit reports and insure their accuracy. He is open to interview and speaking opportunities in a variety of markets that are eager to apply proven methods to increase credit scores. He continues to focus his energy on the research and development of his free e-Book.

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Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but no credit will too. Even though this doesn’t seem fair, it is the way things work in the complicated world of consumer credit. Lenders are leery about opening accounts for people with no credit history because they simply have nothing to base your reliability on.

So, if you can’t build a credit history without credit and you can’t get credit without a credit history, just what has a person to do? It’s nearly impossible to rent a car, stay in a hotel, or shop online without a credit card, so let’s explore a few of the options that can eliminate this Catch-22.

Available Credit Options

Although many of the major credit card companies won’t give you a card without a credit history, some smaller ones, like department stores, will. Find a department store that will issue you a card and apply for it. You can try getting a gas station card also. Either way, use your card but be sure to make all payments on time. Your goal is to build a good credit history, not just get a credit card.

Find a credit card company that will review your overall financial situation and not just your credit history. Some lenders will look at your employment history, your housing situation, and how often you have moved. If this is all on the up and up, they may approve your application. Again, use this card wisely.

Credit Unions

If you are a credit union member, or are eligible for membership, see what their card issuing terms are. Although they are no giving out cards with their eyes closed, they will often have more relaxed conditions for members. You no longer have to work for a specific company to be eligible to join a credit union. So it’s well worth checking if there’s one in your area.

Secured Credit Cards

Secured credit cards are offered by lenders who will give you a line of credit that either matches, or is slightly higher than, a cash deposit that you give them to hold. As your experience with the card grows, these lenders will often raise your limit without requiring you to increase your deposit. Eventually, you can use your experience with this lender to apply for cards that are not secured.

Student Credit Cards

If you are a student, then you’ll be best off with a student credit card. Student credit cards can be a great way of building the credit history that you will need to depend upon after graduation. The important thing here is to remember to use that opportunity wisely. Many banks will issue college students a credit card, especially banks that are located in college or university cities and towns.

When you do manage to get a credit card, remember that you are establishing a credit history. Show that you are a good financial risk by paying the bill on time. Don’t go crazy with the spending. It will only cause you problems in the future.

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Have you ever really looked at your credit card and tried to figure out what that huge string of numbers really means? Do these card issuers have so many customers that your account number has to be 16 digits long?

You may be surprised to know that all those numbers you see actually do stand for something, and it’s not just who YOU are. Let’s take a look.

Most of the major credit card companies operate on the same system when choosing a credit card number. Other cards like gas cards, department store cards and phone cards go their own way. Let’s concentrate on the ones that all play by the same rules.

The very first digit in the series will be a 3,4,5, 0r 6. This number designates the type of card as follows:

3 = a Travel & Entertainment Card like American Express or Diners Club.
4 = Visa and Visa-branded debit cards, cash cards, etc.
5 = MasterCard and MasterCard-branded debit cards, cash cards, etc.
6 = Discover

American Express and Diners Club use the second digit to identify the company. That means that Diners Club cards will start with either "36" or "38", and American Express cards will use either "34" or "37".

The remaining numbers in the series are used for different purposes depending upon the card type and issuer.

In most cases, the next group after the opening series of numbers represents the routing number of the card-issuing bank, the group after that is the user’s account number, and the final digit is a check digit. The check digit is a number that is calculated by applying a special formula to all of the other numbers. The check digit is the result of that formula and is used as an anti-fraud check.

To keep things from getting too confusing, look at your card as you follow along for the next steps.

American Express

The American Express Card uses digits three and four for type (business or personal) and the currency of the cardholder’s country of origin. The next digits from the fifth through the eleventh are account numbers. Digits twelve through fourteen indicate the card number within the account and the last digit is the check digit.

Visa

With Visa, digits two through six represent the bank number. Beginning with the seventh digit and running through the twelfth or the fifteenth represents the account number and the last number is the check digit. Since all Visa cards do not have the same amount of numbers in the sequence, the number of digits in a group may vary.

MasterCard

For MasterCard, the second digit, through to anywhere between the third and the sixth digit is the bank number. All remaining digits, except the check digit at the end of the series, identifies that cardholder’s account.

Now that we’ve gone over it all, you’re probably wondering why you were ever wondering in the first place. Just remember though, knowledge is power. Some things are just fun to know.

About the author:
Gordon Goh is the owner of Easy-Credit-Card-Guide.com offering free credit card information for everyone. You can receive a free credit card at http://www.easy-credt-card-guide.com

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Students across the country are jumping on the government student loan consolidation bandwagon. And for good reason!

Whether you are still in school, a graduate, unemployed or comfortably employed you can save thousands through a government student loan consolidation by locking in record low interest rates before they go up.

If you need to reduce your monthly student loan payments by extending the amount of time you have to pay your debt, a government student loan consolidation may be the solution for you.

If your loans are in default you may still reap the benefits of a government student loan consolidation. Benefits include protecting your credit rating, saving money by locking in lower interest rates or lower monthly payments.

On the other hand, a government student loan consolidation may not be the answer for you if you’re nearing the end of your repayment term. There’s not a lot of ‘cents’ in spending your valuable time rearranging your loan portfolio, especially if it means extending the amount of time you have to pay off your debt. If you can manage your existing monthly payments stick with it because you will save money over the long term.

If you have more than one student loan, a government student loan consolidation will allow you to combine all of them into one monthly payment while locking in a low interest rate. Ultimately, your debts will be easier to manage.

To help make the repayment process easier and more attractive, there are four government student loan consolidation plans for you to choose from.

Standard Plan: The standard repayment plan offers a fixed-rate plan with monthly payments of at least $50 for up to ten years. Borrowers pay less interest under this plan because the repayment period is shorter.

Extended Payment Plan: The difference between this plan and a standard plan is monthly payments are extended over a period of 12-30 years. If you have a high debt load this may help you reduce your monthly payments but the longer you take to clear the loan, the more interests you will pay.

Graduated Payment Plan: Under this plan monthly payments start out low and increase approximately every two years. The repayment period can be from 12-30 years depending on your debt load.

Income Contingent Repayment (ICR) Plan: Your monthly payments via this plan are based on your income, family size and loan amount.

Take the time to compare the cost of repaying your unconsolidated student loans against the cost of paying a government student loan consolidation.

It’s in your best interest to explore your government student loan consolidation options. Consult https://loanconsolidation.ed.gov and participating lenders to discover if government student loan consolidation is the right choice for you. If you decide consolidating your student loans is in your best interest, taking the time to compare what participating lenders offer could save you lots of money.

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