Categoría: Geovanny Vicente

SAN JOSE, Calif., Feb. 9, 2021 /PRNewswire/ — Your credit report isn’t a parking lot, but that doesn’t stop dishonest collection agencies from treating it like one. Some collection agencies quietly place accounts on your credit report, giving you no warning, hoping you won’t notice until you’re in the middle of a major loan or job application. Under pressure, you’re more likely to pay up without question, so the debt doesn’t keep you from closing on your home, purchasing your car, or getting the job. Here’s what you need to know about debt parking, from myFICO.

For more loan and credit education, visit myFICO’s blog at https://www.myfico.com/credit-education/blog

Parked debts may not be legitimate, and you could be paying for a debt that’s not yours, has already been paid, is outside the legally collectible time period, or is inflated beyond what you originally owed.

Just how bad is debt parking? The Federal Trade Commission recently took action against a debt collection agency that placed close to $100 million worth of fake or questionable accounts onto consumer credit reports and collected more than $24 million. This tactic, known as «debt parking,» violates debt collection and credit reporting laws.

Debt parking isn’t new. In 2014, the National Consumer Law Center recommended some ways the Consumer Financial Protection Bureau (CFPB) could help consumers deal with this unfair collection practice. The recent FTC action is the first of its kind but hopefully not the last.

Signs a Debt Has Been Parked on Your Credit Report

Since debt parking involves collectors covertly placing debts on your credit report, catching this sneaky tactic means being more diligent about monitoring your credit. An unexpected drop in your FICO® Score may be the first clue that a debt has been added to your credit report, especially if you’ve been making your monthly payments on time and you haven’t taken on any new debts. Collection accounts have a big impact on your credit, and your FICO Score can tumble if a new one is added to your credit report.

This shows why it’s so important to check your FICO Score regularly. A significant drop in your score is a sign to inspect your credit report closer for suspicious accounts. Without keeping track of your credit, you may not realize a fake collection account has been placed on your credit report until you apply for a mortgage, car loan, or job and your application is denied.

What Are Your Options?

Be cautious with all debt collection accounts, even if the debt seems familiar. Dig deeper to verify the debt belongs to you, that the amount is correct, that it’s within the timeframe for legal collection, and the collector has the right to collect on it.

The Fair Debt Collection Practices Act gives you the right to request this proof, in writing, from a debt collector. If the collector can’t cough up adequate proof of the debt, they must stop collecting on it. That includes listing the debt on your credit report.

The Fair Credit Reporting Act gives you the right to dispute inaccurate information that appears on your credit report. The reporting credit bureau is required to investigate the dispute and remove the account if the collection agency doesn’t verify the debt belongs to you.

In addition to monitoring your FICO® Score, check your credit reports from the three major credit bureaus before applying for a loan or job. This way, you can verify the information and clear up inaccuracies before you’re in the middle of the application process, where the stakes are much higher.

About myFICO
myFICO makes it easy to understand your credit with FICO^® Scores, credit reports and alerts from all 3 bureaus. myFICO is the consumer division of FICO– get your FICO Scores from the people that make the FICO Scores.  For more information, visit https://www.myfico.com.

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SOURCE myFICO

NEWARK, N.J., Feb. 9, 2021 /PRNewswire-HISPANIC PR WIRE/ — Prudential Financial today announced its 2021 class of Spirit of Community Awards State Honorees — 102 middle level and high school students from across the United States whose volunteering has addressed critical community needs in a year of upheaval. 

The Prudential Spirit of Community Awards, conducted annually by Prudential in partnership with the National Association of Secondary School Principals (NASSP), honors students in grades 5-12 for making meaningful contributions to their communities through volunteer service.

«We created the Prudential Spirit of Community Awards 26 years ago to highlight and support the work of young people taking on the challenges of a changing world – a mission that rings truer than ever given the events of last year,» said Charles Lowrey, Prudential’s chairman and CEO. «We are proud to celebrate the vision and determination of Spirit of Community’s Class of 2021, and all the ways they’re making their communities safer, healthier and more equitable places to live.»

The 2021 State Honorees – the top middle level and high school volunteers from all 50 states and the District of Columbia – were selected for service initiatives completed, at least in part, between the fall of 2019 and the fall of 2020. Selection was based on criteria including impact, effort, initiative and the personal growth demonstrated over the course of the project.

Many of this year’s honorees either directly addressed needs created by the COVID-19 pandemic or adapted existing projects to better accommodate health and safety protocols. Many honorees worked to provide reliable meals to food-insecure households and dismantle barriers to virtual schooling. In the early days of the pandemic, when personal protective equipment was in short supply, one honoree rallied his community to 3D-print thousands of face shields for frontline workers. Several honorees dedicated their efforts to easing the hardship of isolation for nursing home residents. Another created a support network for students of color to share their own experiences in light of the Black Lives Matter movement.

«It speaks volumes about the character of today’s secondary school students that the Spirit of Community program heard from more than 20,000 applicants this fall – most of them stories of young volunteers overcoming the hardships of a global pandemic to support those in need,» said Ronn Nozoe, Chief Executive Officer, NASSP. «While we’re especially proud to celebrate this year’s 102 State Honorees, NASSP applauds every student who’s found a way to volunteer this past year. You inspire your peers and adults alike to remember that, even in times of crisis, we all have something to give.»

Each of the 102 State Honorees named today will receive a $2,500 scholarship, a silver medallion and an invitation to the program’s virtual national recognition celebration in April, where 10 of them will be named America’s top youth volunteers of the year. Those 10 National Honorees will earn an additional $5,000 scholarship, a gold medallion, a crystal trophy for their nominating organization and a $5,000 grant for a nonprofit charitable organization of their choice.

To read the names and stories of this year’s State Honorees, visit http://spirit.prudential.com.

About Prudential Financial

Prudential Financial, Inc. (NYSE: PRU), a financial wellness leader and premier active global investment manager, has operations in the United States, Asia, Europe and Latin America. Prudential’s diverse and talented employees help to make lives better by creating financial opportunity for more people. Prudential’s iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. For more information, please visit news.prudential.com. 

About NASSP

The National Association of Secondary School Principals (NASSP) is the leading organization of and voice for principals and other school leaders across the United States. NASSP seeks to transform education through school leadership, recognizing that the fulfillment of each student’s potential relies on great leaders in every school committed to the success of each student. Reflecting its long-standing commitment to student leadership development, NASSP administers the National Honor Society, National Junior Honor Society, National Elementary Honor Society, and National Student Council. Learn more at http://nassp.org.

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SOURCE Prudential Financial, Inc.

NEWARK, N.J., Feb. 9, 2021 /PRNewswire/ — Prudential Financial today announced its 2021 class of Spirit of Community Awards State Honorees — 102 middle level and high school students from across the United States whose volunteering has addressed critical community needs in a year of upheaval. 

The Prudential Spirit of Community Awards, conducted annually by Prudential in partnership with the National Association of Secondary School Principals (NASSP), honors students in grades 5-12 for making meaningful contributions to their communities through volunteer service.

«We created the Prudential Spirit of Community Awards 26 years ago to highlight and support the work of young people taking on the challenges of a changing world – a mission that rings truer than ever given the events of last year,» said Charles Lowrey, Prudential’s chairman and CEO. «We are proud to celebrate the vision and determination of Spirit of Community’s Class of 2021, and all the ways they’re making their communities safer, healthier and more equitable places to live.»

The 2021 State Honorees – the top middle level and high school volunteers from all 50 states and the District of Columbia – were selected for service initiatives completed, at least in part, between the fall of 2019 and the fall of 2020. Selection was based on criteria including impact, effort, initiative and the personal growth demonstrated over the course of the project.

Many of this year’s honorees either directly addressed needs created by the COVID-19 pandemic or adapted existing projects to better accommodate health and safety protocols. Many honorees worked to provide reliable meals to food-insecure households and dismantle barriers to virtual schooling. In the early days of the pandemic, when personal protective equipment was in short supply, one honoree rallied his community to 3D-print thousands of face shields for frontline workers. Several honorees dedicated their efforts to easing the hardship of isolation for nursing home residents. Another created a support network for students of color to share their own experiences in light of the Black Lives Matter movement.

«It speaks volumes about the character of today’s secondary school students that the Spirit of Community program heard from more than 20,000 applicants this fall – most of them stories of young volunteers overcoming the hardships of a global pandemic to support those in need,» said Ronn Nozoe, Chief Executive Officer, NASSP. «While we’re especially proud to celebrate this year’s 102 State Honorees, NASSP applauds every student who’s found a way to volunteer this past year. You inspire your peers and adults alike to remember that, even in times of crisis, we all have something to give.»

Each of the 102 State Honorees named today will receive a $2,500 scholarship, a silver medallion and an invitation to the program’s virtual national recognition celebration in April, where 10 of them will be named America’s top youth volunteers of the year. Those 10 National Honorees will earn an additional $5,000 scholarship, a gold medallion, a crystal trophy for their nominating organization and a $5,000 grant for a nonprofit charitable organization of their choice.

To read the names and stories of this year’s State Honorees, visit http://spirit.prudential.com.

About Prudential Financial

Prudential Financial, Inc. (NYSE: PRU), a financial wellness leader and premier active global investment manager, has operations in the United States, Asia, Europe and Latin America. Prudential’s diverse and talented employees help to make lives better by creating financial opportunity for more people. Prudential’s iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. For more information, please visit news.prudential.com. 

About NASSP

The National Association of Secondary School Principals (NASSP) is the leading organization of and voice for principals and other school leaders across the United States. NASSP seeks to transform education through school leadership, recognizing that the fulfillment of each student’s potential relies on great leaders in every school committed to the success of each student. Reflecting its long-standing commitment to student leadership development, NASSP administers the National Honor Society, National Junior Honor Society, National Elementary Honor Society, and National Student Council. Learn more at http://nassp.org.

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SOURCE Prudential Financial, Inc.

NEWARK, Nueva Jersey, 9 de febrero de 2021 /PRNewswire-HISPANIC PR WIRE/ — Prudential Financial anunció hoy su Clase 2021 de jóvenes galardonados por el Premio Estatal Espíritu Comunitario, Spirit of Community Awards State Honorees, 102 estudiantes de nivel medio y secundario provenientes de todo el país, cuyas actividades de voluntariado abordaron necesidades comunitarias apremiantes en el contexto de un año turbulento. 

El Premio Prudential al Espíritu Comunitario, llevado a cabo anualmente por Prudential en alianza con la Asociación Nacional de Directores de Escuelas Secundarias (NASSP), brinda un reconocimiento a los estudiantes de grados 5-12 por realizar contribuciones significativas a sus comunidades por medio de trabajo voluntario.

«Creamos el Premio Prudential al Espíritu Comunitario hace 26 años con el fin de destacar y apoyar el trabajo de los jóvenes que asuman los desafíos de un mundo cambiante, misión que hoy resuena más fuerte que nunca, dado el contexto del año pasado», señaló Charles Lowrey, director ejecutivo y presidente de Prudential. «Nos enorgullece celebrar la visión y determinación de la Clase 2021 de Espíritu Comunitario y de todas las maneras en que están haciendo que sus comunidades sean lugares más seguros, saludables e igualitarios para vivir».

Los Homenajeados Estatales de 2021, voluntarios de nivel medio superior y de escuela secundaria de los 50 estados y el distrito de Columbia, fueron seleccionados por iniciativas de servicio completadas, al menos parcialmente, entre el otoño de 2019 y el otoño de 2020. La selección se basó en criterios que incluyen el impacto, el esfuerzo, la iniciativa y el crecimiento personal demostrado durante el curso del proyecto.

Muchos de los homenajeados de este año abordaron directamente necesidades que surgieron de la pandemia del COVID-19, o bien adaptaron proyectos existentes para mejorar los protocolos de salud y seguridad. Muchos jóvenes homenajeados trabajaron para proveer comidas de buena calidad a hogares con problemas de inseguridad alimentaria, y para eliminar dificultades de la escolarización virtual. En los inicios de la pandemia, cuando había poca disponibilidad de insumos de protección personal, uno de los homenajeados movilizó a su comunidad para crear miles de escudos faciales con impresoras 3D para los trabajadores de la primera línea. Muchos homenajeados dedicaron sus esfuerzos a aliviar las dificultades que sufrían los residentes de hogares de ancianos producto del aislamiento. Otro joven formó una red de apoyo para que los estudiantes de color compartieran sus experiencias personales en lo referente al movimiento Black Lives Matter.

«Esto dice mucho acerca del carácter de los estudiantes de secundaria de hoy en día, algo que el programa Espíritu Comunitario pudo ver este otoño en más de 20,000 postulantes. La mayoría fueron historias de jóvenes voluntarios que pudieron superar las dificultades de una pandemia global para apoyar a aquellos que lo necesitaban», comentó Ronn Nozoe, director ejecutivo de NASSP. «A la vez que estamos especialmente orgullosos de celebrar a los 102 Homenajeados Estatales de este año, la NASSP felicita a cada estudiante que encontró la manera de servir como voluntario el año pasado. Ustedes inspiran de igual forma a sus pares y a los adultos a recordar que, incluso en tiempos de crisis, todos tenemos algo que aportar».

Cada uno de los 102 Homenajeados Estatales nombrados hoy recibirá una beca de $2,500, un medallón de plata y una invitación a la celebración virtual de reconocimiento nacional del programa, que tendrá lugar en abril, y en la que 10 de ellos serán nombrados los mejores jóvenes voluntarios de Estados Unidos del año. Dichos 10 Homenajeados Nacionales recibirán una beca adicional de $5,000, un medallón de oro, un trofeo de cristal para su organización nominadora y una subvención de $5,000 para una organización benéfica sin fines de lucro de su elección.

Para leer los nombres e historias de los Homenajeados Estatales de este año, visite http://spirit.prudential.com.

Acerca de Prudential Financial

Prudential Financial, Inc. (NYSE: PRU), líder en bienestar financiero e importante gestor de inversiones activas a nivel global, mantiene operaciones en los Estados Unidos, Asia, Europa y Latinoamérica. Los diversos y talentosos empleados de Prudential ayudan a mejorar la vida de las personas al crear oportunidades financieras para un público de mayor envergadura. El icónico símbolo de la roca de Prudential ha sido sinónimo de fuerza, estabilidad, experiencia e innovación durante más de un siglo. Para obtener más información, por favor visite news.prudential.com. 

Acerca de NASSP

La Asociación Nacional de Directores de Escuelas Secundarias (NASSP) es la organización líder y la voz de los directores y otros líderes escolares en los Estados Unidos. La NASSP busca transformar la educación por medio del liderazgo escolar, reconociendo que el desarrollo del potencial de cada estudiante se apoya en los grandes líderes que en todas las escuelas se comprometen con el éxito de cada estudiante. Como reflejo de su duradero compromiso con el desarrollo del liderazgo estudiantil, la NASSP administra la National Honor Society (Sociedad de Honor Nacional), la National Junior Honor Society (Sociedad Nacional de Honor Junior), la National Elementary Honor Society (Sociedad Nacional de Honor de Educación Primaria), y el National Student Council (Consejo Nacional Estudiantil). Obtenga más información en http://nassp.org.

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FUENTE Prudential Financial, Inc.