New York, NY (PRWEB) April 25, 2012

Capital Access Network, Inc.’s (CAN) Data Services Division today released its Q1 2012 Small Business Credit Sales Report (SBCS Report). The SBCS Report shows that consumers chose to use their available credit at restaurants, which continue to show significant positive year-over-year (YoY) card sales. Q1 2012 marks the sixth consecutive quarter of positive YoY restaurant card sales, recording a 4.4 percent rise. This is the highest YoY increase in this category since the report began tracking sales in Q1 2007.

Small businesses began 2012 with a Q1 YoY card sales decline for the eighteenth straight quarter. However, the rate of decline decreased for the third straight quarter, and at 0.7 percent was the lowest reported decline since Q1 2008. According to The Federal Reserve’s April, 2012 G 19 Release, consumer revolving credit availability decreased on a month-over-month basis in January 2012 (-4.4 percent), and is projected to have increased slightly in February 2012 to -3.3 percent. In contrast, Main Street YoY card sales declined only 0.6 percent in January 2012, and increased 1.62 percent in February 2012.

“We see several notable increases in this report. But most impressive is the sustained improvement that has occurred in restaurant card sales. Consumers increased their use of credit cards on dining compared to this time last year. And, the trend has continued for a few quarters, with an unprecedented leap during first quarter of this year to a level not seen since we began tracking for the report. Even though it appears that consumer credit is down, available dollars are being spent dining,” stated Glenn Goldman, CAN’s CEO and President. “Restaurants with smaller average ticket sizes benefited the most, but it appears that Valentine’s Day may have stimulated card sales of the category. And while non-restaurant businesses are not yet seeing positive YoY card sales, this quarter’s 4.1 percent rate of decline is the smallest decrease reported since Q2 2008.”

A copy of the Q1 2012 SBCS Report can be viewed at: http://www.capitalaccessnetwork.com/sbcsreport.html.

Key Q1 2012 SBCS Report Highlights:

1.    Small businesses began 2012 with a Q1 year-over-year (YoY) card sales decline for the eighteenth straight quarter. However, the rate of decline decreased for the third straight quarter, and at 0.7% was the lowest reported decline since Q1 2008.

SPOTLIGHT: The Federal Reserve’s April, 2012 G 19 Release (Consumer Credit) indicates that consumer revolving credit availability decreased on a month-over- month basis in January 2012 (-4.4%), and is projected to have increased slightly in February 2012 (-3.3%). In contrast, Main Street YoY card sales declined only 0.6% in January 2012, and increased 1.62% in February 2012. This information evidences a renewed decision by consumers to use their available credit to make purchases on Main Street versus at larger or online businesses.

2.    Consumers are choosing to use their available credit at restaurants, which continue to show significant, positive YoY card sales. Q1 2012 marks the sixth consecutive quarter of positive YoY restaurant card sales, recording a 4.4% rise. This is the highest YoY increase in this category since this report began tracking sales in Q1 2007.

    While non-restaurant businesses such as retailers and service providers have not yet benefited from positive YoY card sales, the decline in their YoY card sales slowed to 4.1%. Previous YoY declines reported during the last three quarters of 2011 were in the mid-5% range. Of note is Q1 2012’s decline of 4.1%, the smallest decrease reported since Q2 2008 when the retailer/service segment reported a YoY card sales decline of 3.6%.

3.    Every category of “average ticket size” within the restaurant segment reported positive Q1 2012 YoY card sales, and the gains occurred for the second consecutive quarter. Restaurants with smaller average ticket sizes are benefiting the most, led by establishments with average ticket sizes less than $ 25. These restaurants increased their YoY card sales by an impressive 7.3%, the highest YoY card sales increase since Q3 2007’s YoY increase of 11.1%. Restaurants with ticket sizes of $ 25 to $ 50 followed with a YoY card sales increase of 3.6%, the largest increase for that segment since this report began tracking YoY same store card sales in Q1 2007. The remaining restaurant categories, with ticket sizes between $ 50 and $ 100 and with ticket sizes greater than $ 100, also showed increases of 1.9% and 4.2% respectively. However, these YoY increases did not exceed those reported in Q4 2011.

SPOTLIGHT: February 2012, which included Valentine’s Day-related sales, was a particularly strong month for restaurants, with an uptick in YoY sales across the board. Restaurants with ticket sizes less than $ 25 and those with tickets sizes greater than $ 100 each increased their YoY card sales by more than 10%. Restaurants with a ticket size of $ 25 to $ 50 increased February YoY sales 5.3%, while restaurants with a ticket size of $ 50 to $ 100 increased 3.3%, compared to Q1 2011.

4.    Larger cities and metropolitan areas (MSAs) continued their struggle to move into positive YoY card sales territory. Although the rate of decline slowed to 3.1% and 0.7% for population sizes of 250,000 to 999,999 and greater than 1 million, respectively, neither has achieved the positive YoY card sales demonstrated by smaller cities towns and rural areas. MSAs with populations of less than 100,000 reported increased YoY card sales of 2.6%, the second consecutive increase. Additionally, areas with population sizes of 100,000 to 249,999 once again reported positive YoY card sales results (1%) after reporting a decline in Q4 2011 versus Q4 2010 results.

5.    For the first time since Q2 2010, two regions reported positive YoY card sales this reporting period. The Plains Region and Southeast Regions jumped 5.9% and 0.5% respectively, compared to Q1 2011. The Rocky Mountain Region continues to underperform with a 6.2% YoY decline, the largest reported decline of the eight regions for this quarter, as well as the two previous quarters. The remaining five regions reported YoY card sales declines between 0.1% and 2.7%.

6. All “Time in Business” (TIB) categories continue to follow a similar trajectory, as they have for several quarters. However, businesses that have been operating between seven and 10 years reported positive YoY card sales of 0.5% for the first time since Q4 2007. All other categories reported a slowing decline in YoY card sales. Businesses with TIB of 15 years or greater declined the least (0.34%) while business with TIB of 10 to 15 years declined the most (1.86%).

*Metropolitan and Micropolitan Statistical Areas as defined by the Office of Management and Budget based on U.S. Census Bureau data.

About the CAN Small Business Credit Sales Report

The Small Business Credit Sales (SBCS) Report is a quarterly report highlighting credit and signature debit card sales trends within small to mid-sized businesses (SMBs) nationwide. Sponsored by the Data Services Division of Capital Access Network, Inc. (CAN), a New York-based financial technology company, the SBCS Report features analysis of credit and debit card sales trends based on same store card sales data housed in CAN’s data warehouses, which retain 14 years of data and include more than 50,000 businesses and the “daily” card sales data collected from more than 80,000 working capital transactions. Most same store sales retail reports focus on or include data from big-box retail and nationwide/regional department stores, either ignoring or obscuring the trends of the majority of SMBs. The SBCS Report was designed to assist business owners, the processing industry, associations, analysts and media interested in tracking and benchmarking credit and debit card sales trends among SMBs.

To receive the quarterly reports automatically via email, interested parties can sign up at

http://www.capitalaccessnetwork.com/sbcsreport.html, or simply send an email to dnaczi@CapitalAccessNetwork.com.

About Capital Access Network, Inc.

Capital Access Network, Inc. (CAN) is the leading provider of next generation “Daily Remittance” powered financial products and services for small to mid-sized brick and mortar and online businesses in the U.S., through its subsidiaries, and to SMB capital providers internationally. Daily Remittance financial products combine behavioral risk scoring and data driven risk management to enable the delivery of more capital to the right small businesses while decreasing provider risk. CAN and its subsidiaries offer transaction request and fulfillment capabilities through multiple channel options which can be white-labeled or co-branded, including online applications and unique web-based social resources, tools, data and information. Learn more at http://www.CapitalAccessNetwork.com, http://www.AdvanceMe.com and http://www.NewLogicBusinessLoans.com.

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Brisbane, Queensland (PRWEB) April 26, 2012

As this week’s Australian Investment property update from industry expert Michael Yardney pointed out, “property markets are likely to remain soft this year,” yet Brisbane based Property Investment Company USA Foreclosures is achieving 20% Yields and 50% Capital gains for its clients. This situation comes about due toIIunprecedented scenarios unfolding, the speed of economic recovery in Michigan as discussed this week in the Detroit Free Press and the continuing glut of foreclosed properties owned by banks in the state of Michigan.

With their Head Office in Brisbane,Queensland and working with one of America’s largest real estate brokers focusing on bank owned quality properties in upwardly mobile residential areas, USA Foreclosures Pty Ltd is creating a win win by facilitating cash rich Australian investors to buy cheap American real estate and reduce the Banks’ balance sheet of foreclosed properties in return for very substantial yields.

Managing Director Phil Gerathy says, “We have assembled a team over the last few years that has a great track record of integrity and experience and our network of inside contacts allows us an unique opportunity to offer to our clients.”

One such member of the USA Foreclosures team is a man who has seen it all, Dennis Dickstein, a 40 year (3rd generation) Michigan real estate agent, who is more aware than anybody of the incredible once in a lifetime opportunity 2012/13 brings in the form of bank owned foreclosed real estate.

USA Foreclosures has focused on the very best market in America (A PNC Bank survey this month revealed that 35% of businesses in Michigan are planning to hire in the next 6 months.) and has generated key relationships to make sure only the best properties are offered to their clients. The state of Michigan was absolutely crucified by the GFC (Comerica Bank’s Michigan Economic Activity Index rose to a level of 98 in 2012 63 percent above the index low of 60 in 2009), it has a huge dependency on the Motor Car industry which in 2007/8 had been decimated only to be bailed out by the US government. Sadly this period caused great problems for this iconic part of the world, but now the opportunity to had homes that once sold for $ 200,000 at a monolithic discount is there. Such properties are now being granted away by banks desperate to lighten their balance sheets for $ 50,000 with annual rental incomes of $ 10,000.

IDEAL FOR SELF MANAGED SUPER

Phillip Gerathy who has spent a lifetime in the Financial industry said, “This is an once in a generation opportunity for Australians to invest. Self managed Super Fund holders or people with a line of credit or cash have an incredible situation to take advantage of because the Michigan economy is recovering yet Bank Owned Foreclosures in good residential areas are still widely available if you are on the inside.”

In 2009 Unemployment in the state of Michigan hit 14.3% yet as reported by the US Bureau of Labor statistics this week it is now down to 8.5% and falling as GM recorded the highest profit figure in their 103 year history and business across the board starts to gain more traction.

ABOUT USA FORECLOSURES PTY LTD

Mr Phillip Gerathy who had been involved in the Financial Services industry for over 30 years commenced purchasing foreclosed US properties early in 2009. His company Austplan USA Pty Ltd was the first model of what would ultimately become USA Foreclosures Pty Ltd. To glimpsed some case studies of michigan investment properties handle by USA Foreclosures go to http://usaforeclosures.com.au/case-studies

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Answer by Joe D
If you want to pay it off but are just broke, send literally 5 dollars a month ( I send 20 a month) and they have to report to the credit bureau that you are paying as agreed and this will show eventually (after like 2 months) on your credit report as you paying it off in payments.

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Los Angeles, CA (PRWEB) April 24, 2012

Kamran Pourzanjani former CEO and founder of PriceGrabber.com, Brian S. Lee co-founder of Legalzoom.com and ShoeDazzle, Jody Mulkey, Chief Information Officer & SVP Technology, Shopzilla and Lawrence Ng, co-founder, Oversee.net are investing in the online retail focused Social Platform, Social Annex (http://www.socialannex.com). Social Annex is a comprehensive and customizable platform that online retailers can utilize to capitalize on all revenue generating aspects of social media. The company’s platform drives real-time sales results and ROI benefits for clients. Launched in 2010, Social Annex has offices in Los Angeles, San Francisco, and Chicago.

Pourzanjani is a seasoned entrepreneur with a tremendous amount of experience in the digital space. He sold PriceGrabber.com to Experian in 2005 for $ 485 million. He is also an investor in Docstoc. In addition to investing in Social Annex, Pourzanjani has elected to join the Social Annex advisory board. In addition to being the co-founder of Legalzoom.com and co-founder of Kim Kardashian’s premier styling service ShoeDazzle, Brian S. Lee is also the founder of Honest.com with Jessica Alba.He has substantial experience in consulting on tax and accounting issues specializing in the high technology industry. Jody Mulkey has been with Shopzilla since 1999. As Chief Information Officer & SVP Technology he oversees the overall technology development and operations of the company. He is continuosly creating scalable solutions for the businessin the company’s formative years he built Shopzilla’s data plumbing and suite of management tools. Lawrence Ng is Chairman of the Board and Co-Founder of Oversee.net. In 2000 used his experience in online advertising web traffic pattern analysis and search engine optimization to create the company.

The investment announcement comes on the heels of last week’s Social Annex’s webinar event which focused on the ROI benefits of social media for online retailers. Social Annex demonstrated how ROI exists for retailers and brands with proven statistics from previous and current campaigns.

The Social Annex platform consists of 3 suites that were designed specifically to generate ROI for online retailers. Social Annex leverages the power of social sharing, social engagement and social merchandising through on-site social implementation resulting in incremental orders and increased conversion rates. The Sharing Based suite revolves around maximizing visitor and consumer shares and driving incremental revenue from those shares. The Engagement based suite focuses on increasing conversion rates through tools that strengthen brand to consumer relationships. The Merchandising suite enables product discovery through Social Media and leverages Facebook’s Open Graph, taking into consideration connections and recommendations to inspire product buying behavior. The results are delivered for clients in an in-depth analytics reporting system. Key metrics include referral orders, conversion rate increases and a Top Influencer’s Report.

“We are delighted to have Kamran Pourzanjani, one of the most respected entrepreneurs in LA and in eCommerce join the Social Annex board, it’s a honor to have him as well as stellar investors on our team,” said Al Lalani, Head of Client Success of Social Annex. “Social Annex’s suite of tools were specifically created and structured to seamlessly benefit consumers and our online selling customers who are using the platform. Our goal is to continue establishing relationships for online retailers with consumers. As the online environment continues to become more social, it’s crucial for brands to have turnkey societal implementation and drive real ROI and we aim to continue doing just that with Social Annex.”

Added Kamran Pourzanjani: “Social Annex has an unique all-in-one approach for managing social marketing for online retailers and ensuring social engagement and customer success. Social engagement is emerging as the most attractive ROI for online marketing and Social Annex with its impressive platform is poised to be the leader in the market.”

Kamran Pourzanjani co-founded PriceGrabber.com, Inc. in 1999 and served as the company’s Chief Executive Officer. Pourzanjani was responsible for PriceGrabber.com’s functional and executive leadership with all senior management and focused on enhancing its deploying as a leader in comparison shopping. Pourzanjani has over 25 years experience in developing and managing technology, system integration and software development companies.

About Social Annex
Social Annex is the only platform for online retailers that covers all ROI centric aspects of social media when pertaining to e-commerce. The company’s service is currently implemented on and produces real-time results for several top retailers including Internet Retailer Top 500 brands. Social Annex allows its clients to identify their most powerful visitors, supercharge revenue growth and understand their users. In addition, the platform reduces the cost of acquisition for highly qualified names, email address and more. Social Annex’s suite of products are ready to help clients generate ROI from social with easy IT implementation that is customizable and white-labeled.

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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WWW.SCOTT-FAIN.COM – You are entitled to your credit report annually. This is to show you how to order it.
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Do you see something in one or more of your reports that doesn’t seem compensate? Here are steps you can take to fix a potential problem. For more information on credit disputes, visit our dispute page at www.transunion.com

Saint Leo, Florida (PRWEB) February 29, 2012

According to the Federal Bureau of Investigation (FBI), there are roughly 1.4 million members of reprehensively fighting gangs in the country. Exactly how are law enforcement officers handling with the destructive impact these gangs have on society? That’s one of the questions to be answered at Saint Leo University, April 30 to May 3, 2012. Students engaging a bachelors in condemnable justice degree, law enforcement professionals interested in obtaining a certificate of completion and deplorable justice students analyzing online are all invited to inscribe in this course.

The Criminal Gangs in the United States course is presented through Saint Leo University’s Institute for Excellence in Criminal Justice Administration and is coordinated by associate professor Barry Glover.

Law Enforcement Experts Contribute Their Expertise
Dismantling the threat illegal gangs bring to communities throughout the country requires the effort of local, state, federal and international law enforcement agencies. That’s why top experts from various segments of the law enforcement field have been tapped to share their knowledge with the students who enroll in this course.

Retired supervisory special FBI agent Sergio Sanz is the featured presenter. Agent Sanz has over 21 years of experience with the FBI and has supervised and directed joint task forces throughout the country. As a law enforcement instructor for over 14 years and a crisis/hostage negotiator for more than 11 years, he brings a wealth of experience to the classroom. His extensive experience includes the investigations of terrorism, bomb threats, violet crimes, organized crime and criminal gangs.

Additional guest speakers include Robert O’Neill, the U.S. attorney for the middle district of Florida, William Bechtold the warden of Coleman Federal Prison, the largest maximum security prison in America, and other experts in the field.

Course Covers All Major Gangs in America
The U.S. Department of Justice identifies three principal groups of gangs: national street gangs, prison gangs and outlaw motorcycle club gangs. This course will devote one entire day to each group plus one day will cover the five most active gangs in Florida.

After completion of the course, students will know the specific characteristics of each type of gang, recognize their identifiable symbols, be familiar with Florida and federal anti-gang laws and understand the importance of gang intelligence.

Four-Day Format Convenient for All Students
All students, whether they are working towards a bachelors in criminal justice, a certificate, or a graduate degree can take this course. On the last day of instruction, students will take a final exam and then have the summer to complete the additional research papers, articles for publication and active learning projects necessary to receive the appropriate credit.

The course is also ideal for law enforcement professionals looking for up-to-date information on criminal gangs. A certificate can be earned for course completion. For students who do not live close to the campus or are pursuing a criminal justice degree online or a masters of criminal justice online and would like to take this course, discounted rates have been arranged at the Microtel Hotel in Zephyrhills and the Hampton in Dade City.

About Saint Leo University

Saint Leo ranks as one of the top universities in the South, according to U.S. News & World Report’s “America’s Best Colleges” list. Saint Leo’s traditional liberal arts campus, located 30 miles north of Tampa, educates more than 1,900 students. Total enrollment across its campus, continuing education centers, and online programs exceeds 15,000. Among the oldest Catholic universities in Florida, Saint Leo is one of the nation’s 10 leading providers of higher education to the U.S. military, and is a nationally recognized leader in online education.

To learn more about Saint Leo University’s bachelors in criminal justice degree visit:
http://www.saintleo.edu/Academics/School-of-Education-Social-Services/Undergraduate-Degree-Programs/Criminal-Justice-Programs/Bachelors-In-Criminal-Justice

To learn more about Saint Leo University’s masters in criminal justice degree visit:
http://www.saintleo.edu/Academics/School-of-Education-Social-Services/Graduate-Degree-Programs/Master-of-Science-in-Criminal-Justice

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Three Bureau Credit Report Press Releases

Answer by golferwhoworks
you have no creditors that you owe that report to experian. NO big deal at all in your case all lenders will use the 659 score to credit grade

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Answer by mich
no, you must have given them permission to take out of your account.use annualcreditreport.com -that’s the official site.if you obtained your credit score, most companies charge for that, but it’s at least $ 5.00I’d call Experian and ask them about removing your money without permission

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