Resources

Contributors

Atheist Alliance International relies on and appreciates the assistance of a range of contributors to its operations and activities.  Thank you everyone!
 

Social Media

Ahura

Matt Kovach (Social Media Coordinator)

Matt Kovach previous ran his own business as a hairstylist, but today considers himself a habitual volunteer and activist. He has volunteered for AAI since before its separation in 2011 and is currently also a volunteer with Responsible Charity. Matt's motto is "Two hands working can do more than a thousand hands clasped in prayer".

AAI News Team

Melita Granger 

Melita's ideal vision of the future is a world free from the hate, delusional thinking, intolerance, discrimination and prejudices found in religion. She works for hire as a freelance researcher and writer, and also writes fiction. A native of Melbourne, Australia, she is currently living in San Francisco. She holds a Masters degree in applied communications and research journalism, as well as other graduate degrees in the Arts/Humanities field, and is presently studying a Masters degree in creative writing, publishing and editing at the University of Melbourne. 

Christine Jaurigue (Editor/Coordinator)

Christine lives in New Zealand and works as a teacher. She has degrees in English Literature and Psychology, and a diploma in Editing. She was raised in a Catholic family and embarked on her road to atheism after reading Dawkins' The Selfish Gene and Adams' The Hitchhiker's Guide to the Galaxy. 

Faran J. (Asia)

Faran is a Pakistani ex-Muslim atheist with a Masters degree in International Relations. He is a teacher by profession and a passionate education activist. Born and raised in a conservative Muslim family, he renounced religion in his late teen years after reading the Koran and the Bible.  

Jo Stephanie (Africa)

Jo is an ex-Catholic from southern Africa and has been an atheist since her late teens. After several years living in a secular country, Australia, and returning to Africa, the privileged position which religion has on the African continent has become ever more clear to her. Black African, female atheists such as herself are possibly the least visible group among atheists globally and she hopes to add her voice to the few out there.

Anne Parker (Australia)

Many times Anne has been admonished for nothing more than an outlook on life that isn't infinite. Living in her quiet city of Brisbane, she still sees a lot of injustice towards those who require medical and mental health care, and cannot receive it due to religious institutions. She hopes that by helping exposing religious prejudice bit by bit to the world it will help expand the idea that secularism does not have to be taboo.

Mohammad (Middle East)

Mohammad was raised in a very religious Islamic family. He used to go to mosques frequently and do religious tasks precisely. But, about five years ago, he found out that the religious things he used to do were nonsense. He felt what he was doing within the Islamic principles was meaningless. As a result, he decided to come out of superstitious world and go in to the real world.  He looks for a better world and thinks in the absence of education and knowledge gods and supernatural powers are made. He believes by thinking rationally making such a world with peace is possible. Living in a country with the right of freedom of thought and expression and going to university are two of his aims.

Raymond Clevenger (North America)

Raymond Clevenger is a computer networking specialist who works for a state university. He was raised in a household devoted to the Society of Friends (Quaker), but began to heavily question his own religious belief early in life. Upon turning eighteen he joined the U.S. military and served in the First Iraq War. His experiences in the military and a constant bombardment of religious propaganda and coercion from acquaintances, friends, and family influenced him to become a more outspoken atheist, with a desire to encourage skepticism and reason in order to live in a healthier society based on freedom of thought instead of the constricted teachings of religion.

Elizabeth Emery (North America)

Elizabeth Emery is a hereditary ex-Mormon from Utah who currently resides in Chicago. After holding many leadership positions during her active tenure with the Church, Emery embraced her Atheist views and fully resigned. She holds a Bachelors degree in English, and is a contributing writer for several publications, in addition to maintaining her personal blog: <lizeverything.com>. She is particularly passionate about Mormonism's entrenched hold on Utah culture, and continues to study modern Mormonism and Church history.

Mark Kolsen (North America)

Hoping his students will understand the power of science and reason, Mark Kolsen teaches in suburban Chicago. A long-time fan of the "four horsemen" (and the late Victor Stenger), he strives to fully grasp scientific cosmology's standard model.

Nadim (Lebanon)

Born into a religious community and raised by religious parents, Nadim's journey as an atheist has not been easy. Lebanon is a place full of sectarian and religious struggles. Clashes and wars in the name of religion caused Nadim to look for a brighter future for himself and for all of mankind. Journalism takes a huge part of his everyday life as he tries to always find the real story, exactly what happened when he decided to get rid of the fairy God.

Eduardo (currently in Germany) 

Eduardo is originally from Spain and was raised in a traditional Catholic family. After some years of military education, he left Spain to labour within the social development industry in countries such as Chile, Colombia and Bolivia. He later moved to India working as a project manager and administrator for private charitable organizations. Later on he went back to Central America where he supervised a project in education. Due to the fact that religious objectives unnecessarily superseded development strategies and outcomes in his work, he turned to humanism and atheism as the basis of a secular life.

Eduardo has been married for more than thirty years and lives now with his German wife in the Lower Rhine region, surrounded by lakes and in between the Rhine River and The Netherlands. He holds an MBA in Leadership and Sustainability from the University of Cumbria (UK).

 

Public Relations Team

Roger Chao

Roger Chao is a social and policy researcher, managing numerous Government, NGO, and University research projects. In his spare time he also works as an independent scholar, publishing in and reviewing for journals in the field of ethics and philosophy of religion. He has been active in the secular community since the early 2000s and his extensive travels around the world, and passion for the outdoors have helped cement his secular outlook on life.

Christopher Myrick

Christopher Myrick has worked in international journalism and corporate communications for more than a dozen years, primarily serving for international news agencies and corporations within East Asia. He currently is based in Toronto, Canada, providing editorial and communications services for major financial institutions, as well as speechwriting and consulting services to global clients.

Conventions

Mark Gilroy

Mark is a committee member of the Atheist Foundation of Australia (AFA) and was involved in the organisation of both the 2010 and 2012 Global Atheist Conventions in Melbourne. He works full time as an I.T. Project Manager. Mark was raised a Catholic but decided that it was all just a bit silly, and lapsed after leaving home and going to university. Reading Richard Dawkins' "The God Delusion" turned indifference into atheism, and Mark now helps out the atheist cause wherever he can.

Technical

Peter Caires (Animator)

Former Catholic church-avoiding Peter Caires is currently finishing his BA degree in Animation - with hopes to continue at master level. His skills are generally centred around creative output, from short films, music production, poster and logo design to a splash of web design.  A love of science and a passion for dinosaurs was always likely to banish religious superstition from his mind, despite taking 21 years to do so!  His favourite heroes include Noam Chomsky, the late Christopher Hitchens (yes both!), Richard Dawkins, Julian Assange and Bradley Manning.  Peter's YouTube channel is www.youtube.com/peterlikesthis.

Jack Karpinski (web architect, StudioExcel)

Passionate about making the world a better place, dedicated dad and round-the-clock web development addict. With 100+ websites under his belt loves a challenge and always tries to push the envelope. Favourite motto: "Like doing something, love somebody, don't be a shmuck, live your life meaningfully". 

Jake Stollery (Graphic Design)

As a passionate thinker, creative and technologist, Jake Stollery consumes his energy exploring the space between the beautiful and the binary. Besides working across fashion, music and lifestyle brands, he is a passionate atheist and thinks that a better world is one where religion no long hiders the progress of humanity :)

Linda Thomsen (Graphic Design)

Linda Thomsen has extensive experience in graphic, multimedia and web design, direct sales and marketing.  Linda has assisted AAI with project logo design.

THOUGHTcam (3D Animation, Broadcast, Motion and Interactive Graphics, Rich and Multi Media ) We like clients that promote atheist ideals! Anything from movies, TV, disc, print or web, and we love logos!  See our work at http://www.THOUGHTcam.com http://www.youtube.com/user/THOUGHTtube and for AAI here.

Leandro Yampolsky (Website Manager)

Leandro Yampolsky has been a member of ArgAtea (Asociación Civil de Ateos en Argentina) since December 2008. He has volunteered in many campaigns organized by ArgAtea, such as the Atheist Picnic in Buenos Aires to support the 09/27/2009 Atheist Public Display in Mexico and the Buenos Aires 10:23 Challenge 2011 against homeopathy. In April 2010, at the Second National Congress (Mar del Plata, Argentina), he participated in the introductory speech of ArgAtea. He was webmaster of ArgAtea's website from June 2009 until November 2010. Leandro was co-anchor of the first Argentine radio program on atheism, skepticism and critical thinking, Nuevos Ayres Criticos, in 2009. He has written articles promoting scientific thought, criticizing the Catholic Church and discussing abortion, which have been published in the Argentine magazine "La Res Pública" and in ArgAtea's freethought magazine.  Leandro was an AAI Director for a one year term ended May 2012.

Vision & Mission

Vision: a secular world where public policy, scientific inquiry and education are not influenced by religious beliefs, but based upon sound reasoning, rationality and evidence.

Mission: to challenge and confront religious organisations and faith and strengthen global atheism by promoting the growth and interaction of atheist and freethought organisations in countries and regions around the world and undertaking international educational and advocacy projects.

AAI Activities

  • Supports the establishment and growth of new atheist / freethought organisations, particularly in developing countries;
  • Facilitates co-operations between atheist/freethought groups;
  • Co-hosts atheist conventions around the world, to provide education and advocacy opportunities for Affiliate/Associate Members;
  • Publishes Secular World magazine;
  • Arranges international cultural exchanges and educational programs with individuals and atheist/freethought groups in developing countries through the AAI Foundation;
  • Sponsors and maintains the AAI Freethought Audio Library;
  • Organizes and supports international actions on issues of importance to the atheist community; and
  • Promotes freedom of conscience, secularism and the destigmatisation of atheism.

AAI Exchange

The AAI Exchange is the forum for AAI affiliate and associate groups to discuss issues of interest relevant to Atheist Alliance International and our groups.  The registered contacts of our affiliate and associate groups are automatically subscribed to the AAI Exchange when a new affiliate or associate group joins AAI.

The AAI Exchange serves as an advisory body to the AAI Board of Directors. The Board encourages the Exchange members to bring up issues and new projects for consideration by the Board as well as ideas and successes to be shared with the other groups included on the Exchange.

AAI Bylaws

BYLAWS
ATHEIST ALLIANCE INTERNATIONAL INC. (the “Alliance”)

Last Updated July 2013

THE ALLIANCE

1.  The vision of the Alliance (the “Vision”) is a secular world where public policy, scientific inquiry and education are not influenced by religious beliefs, but based upon sound reasoning, rationality and evidence.

2.  The mission of the Alliance (the “Mission”) is to challenge and confront religious faith, to strengthen global atheism by promoting the growth and interaction of atheist/freethought organisations around the world and to undertake international educational and advocacy projects.

3.  The Alliance is legally established in the State of California, USA, and is subject to the relevant laws and regulations of that state.

BYLAWS

4.  The Bylaws were adopted by the Board following incorporation of the Alliance.

5.  These Bylaws may be amended at a General Meeting.  Motions to amend the Bylaws must be received by the Secretary at least eight weeks prior to a General Meeting.

6.  Notwithstanding clause 5 the Board may make trivial amendments to the Bylaws for the purposes of grammar, punctuation or clarity, subject to appeal at a General Meeting.

7.  Any doubt that may arise as to the interpretation of these Bylaws shall be resolved by the Board, subject to appeal at a General Meeting.

8.  Any Director or Member may propose an amendment to the Bylaws.  Such a proposal must state the specific new language proposed, indicate the old language to be modified or replaced, and be accompanied by a statement of the reasons for the proposed changes.

9.  To be effective, amendments to the Bylaws must be passed by at least a Two-Thirds Majority of votes cast by Members at a General Meeting. 

DEFINITIONS

10.  In these Bylaws:

  • “Affiliate Member” means any organisation that is a full member of the Alliance, having met the required criteria, having paid its annual fees on time, and having fulfilled its annual responsibilities to the Alliance.
  • “Annual General Meeting” means the General Meeting of the Alliance held each year in a format to be determined by the Board.
  • “Associate Member” means any organisation that has an agreed co-operative partnership with the Alliance in order to further common aims, having met the required criteria, having paid its annual fees on time, and having fulfilled its annual responsibilities to the Alliance.
  • “Board” means the body consisting of the Officers and the other Directors as appointed or elected in accordance with these Bylaws.
  • “Director” means a member of the Board and includes Officers.
  • “General Meeting” means any meeting of the Members at a physical location to consider, or electronic process established bythe Board through which Members consider, issues such as electing or removing Directors, voting on properly received motions, passing statements of Alliance policy, and receiving information from the Board in respect of the Alliance’s operations.  Members eligible to participate in General Meetings may do so in person or through any electronic means approved for that purpose by the Board.
  • “Individual Member” means any person who is an individual member of the Alliance, having met the required criteria, having paid their annual fees on time, and having fulfilled their annual responsibilities to the Alliance.
  • “First Past the Post” means a voting system in which the nominees with the highest number of votes are elected.
  • “Member” means an Affiliate Member, Associate Member and/or Individual Member as the context requires.
  • “Officer” means a Director that is the President, Vice President, Treasurer or Secretary and any other position held by a Director that is deemed to be such by the Board.
  • “Simple Majority” means more than half of all votes cast (not counting abstaining or neutral votes).
  • “Two-Thirds Majority” means the votes in cast in favour must be at least twice the number of the votes cast against (not counting abstaining or neutral votes).

MEMBERS

11.  There are three classes of membership of the Alliance – Affiliate Members, Associate Members and Individual Members.

12.  Membership is open to all organisations or individuals who subscribe to the Vision and Mission of the Alliance.

13.  The Board can suspend or revoke any Membership if it judges that the Member concerned has failed to meet the relevant Membership criteria, or if it considers that the Member’s activities are incompatible with the best interests of the Alliance as a whole.

14.  The Board shall set annual Membership fees for each category of membership, which must be paid in full within 60 days of receipt of an invoice by the Member.  The Board may waive or reduce fees for any organisation at any class of membership if it is satisfied that the group suffers financial hardship and its membership would be a benefit to the Alliance.

15.  Any Member whose annual fees (as adjusted for any waiver or reduction by the Board) have not been paid on time will forfeit their votes (if any) at any General Meeting, may not nominate a person or stand for election to the Board, and may have their membership suspended or revoked by the Board.

16.  Any Member wishing to terminate their Membership can do so by notifying the Secretary in writing of their intention, their reasons, and the effective date of the termination.

Affiliate Membership

17.  Affiliate Membership is open to local, regional, national and supra-national organisations throughout the world (with one exception in relation to groups from the United States of America, detailed in clause 23) that are determined by the Board to meet the following criteria:

  1. The organisation must be a recognised group within the atheist/agnostic/humanist/freethought community
  2. The organisation must operate in an ethical manner.
  3. The organisation must be able to demonstrate that it has a democratic character (including elections to its governing body at least every four years).

18.  Applications for Affiliate Membership will be subject to review and approval by the Board.  All such applications must include at least: the application form, a copy of the applicant’s bylaws or constitution or similar document, a statement that the applicant subscribes to the Vision and Mission of the Alliance, contact details for three current officers of the applicant, its membership figures, and details of the applicant’s activities.

19.  The criteria for Affiliate Membership may be changed from time to time by the Board.

20.  If an organisation’s Affiliate Membership application is refused by the Board it may have its application voted on at the next General Meeting.  If the application is approved by a Simple Majority of the votes cast at the General Meeting the organisation will be approved for Affiliate Membership by the Board (subject to the exception stated in clause 23).

21.  A condition of continuing Affiliate Membership is that each Affiliate Member must respond as reasonably requested to an inquiry from the Board regarding its up-to-date membership figures, most recent elections, current bylaws and current contact details for at least three officers.

22.  Affiliate Members hold voting rights at General Meetings. The number of votes each Affiliate Member is eligible to cast is weighted based on the size of their membership as per clause 75. 

23.  While the Alliance may admit national organisations from the United States of America (the “USA”) as Affiliate Members, only local and regional groups based in the USA that are members of Atheist Alliance of America Inc., may be accepted by the Board as Affiliate Members.

Associate Membership

24.  Associate Membership is open to local, regional, national and supra-national organisations throughout the world that want to have a co-operative relationship with the Alliance and that are determined by the Board to meet the following criteria:

  1. The organisation must be a recognised group within the atheist/agnostic/humanist/freethought community.
  2. The organisation must operate in an ethical manner.

25.  Applications for Associate Membership will be subject to review and approval by the Board.  All such applications must include at least: the application form, a statement that the applicant subscribes to the Alliance’s Vision and Mission, contact details for one current officer of the applicant and details of the applicant’s activities.

26.  The criteria for Associate Membership can be changed from time to time by the Board.

27.  If an organisation’s Associate Membership application is refused by the Board it may have its application voted on at the next General Meeting.  If the application is approved by a Simple Majority of the votes cast at the General Meeting the organisation will be approved for Associate Membership by the Board.

28.  A condition of continuing Associate Membership is that each Associate must respond as reasonably requested to an inquiry from the Board regarding its current contact details for at least one officer.

29.  Associate Members may participate in General Meetings but have no voting rights.

Individual Membership

30.  Individual Membership of the Alliance is open to any person throughout the world who wants to support the work of the Alliance.  Individuals may join the Alliance independently of any Affiliate Member or Associate Member.

31.  Applications for Individual Membership will be subject to review by the Board.  All such applications must include at least: the application form, a statement that the applicant subscribes to the Alliance’s Vision and Mission and the applicant’s contact details.

32.  The criteria for Individual Membership can be changed from time to time by the Board.

33.  If an individual’s Individual Membership application is refused by the Board the person may have their application voted on at the next General Meeting.  If the application is approved by a Simple Majority of the votes cast at the General Meeting the individual will be approved for Individual Membership by the Board.

34.  A condition of continuing Individual Membership is that each member must respond as reasonably requested to an inquiry from the Board regarding their current contact details.

35.  Individual Members may participate in General Meetings but have no voting rights.

36.  The Board may establish several categories of Individual Membership for various purposes at its discretion. 

BOARD OF DIRECTORS

37.  There shall be a Board of the Alliance.  The Board has full executive authority and responsibility for the operations and activities of the Alliance, subject only to compliance at all times with the provisions of relevant laws, these Bylaws and any policies passed by the Board.

38.  The Board will comprise a minimum of four Directors and a maximum of thirteen Directors.

39.  The Board will include at least four Officers – President, Vice President, Treasurer and Secretary.

40.  The Board may create or abolish additional Officer positions from time to time as it deems appropriate.

41.  The President of the Alliance shall be the chairperson of meetings and of the Board and in the absence of the President, the Vice President shall so act.  If at any meeting, neither the President nor the Vice President is present, the Directors present must choose an alternative chairperson for the meeting.

42.  The Board may meet and otherwise despatch its business and regulate its meetings as it sees fit, but must hold at least six scheduled meetings to which all Directors are invited per year.  Meetings of the Board may include in-person meetings, teleconferences, videoconferences and other formats as the Board chooses.

43.  Meetings of the Board may be called by the President, Secretary or any two Directors.

44.  A quorum shall consist of the minimum whole number of Directors that is more than half the number of Directors (excluding any Directors that have been suspended in accordance with clause 66) at that time.

45.  Subject to clause 66, the business of the Board shall be decided by a Simple Majority.  Where there is an equality of votes, the chairperson shall have a second or casting vote

46.  The Board may delegate any of its powers to committees consisting of its members as it thinks fit.  Any committee so formed shall, in the exercise of the powers so delegated, conform to any regulations that may be imposed upon it by the Board.

47.  The Board is required to submit to each Annual General Meeting a report on the current and proposed operations of the Alliance and a statement of the previous year’s accounts.

48.  Only the President, and any other persons specifically designated by the Board as the President’s agents for this purpose, may communicate or purport to communicate officially on behalf of the Alliance.

49.  Director (including Officer) positions are voluntary roles.  The Alliance shall not make any salary, stipend or similar payments to Directors (including Officers) in their capacity as Directors (or Officers).  Directors may, however, receive reimbursement of expenses incurred in the performance of their duties, subject to Board approval.

ELECTION OF DIRECTORS

50.  The inaugural Directors were appointed by the Incorporator on the basis of the votes recorded by the Affiliate Members at the Members’ meeting held in Dublin on 3 June 2011.

51.  Subsequent to appointment of the inaugural Directors, the Members who are entitled to vote at General Meetings will elect the Directors.

52.  Any person nominated by an Affiliate or Associate Member or who is an Individual Member may be considered for election as a Director.  Affiliate and Associate Members may nominate one of their own members or such other person as they consider appropriate.  Individual Members may nominate themselves.

53.  All Members will be given reasonable notice of any upcoming Director election and a reasonable opportunity to nominate for the available positions.

54.  Nominations for the election of Directors must be submitted to the Secretary at least eight weeks in advance of the Annual General Meeting.  If fewer nominations than the maximum number of positions available, have been received by such time, additional nominations may be made up to the earlier of the time at which nominations equal to the maximum number of positions available are received or one week prior to the next Annual General Meeting. 

55.  Notwithstanding the provisions of any other clause in these Bylaws, in all circumstances, no more than one person nominated by any single Affiliate or Associate Member may be a Director at any time, and no more than three people from any single nation may be Directors at any time.  Regardless of whether or not a person was actually nominated by an Affiliate or Associate Member, a person will be deemed to be “nominated” by an Affiliate or Associate if they are a member of the board (or substantially similar body) of, hold an executive position at, or have a significant influence on the operations of, the relevant Affiliate or Associate.  If a person may be deemed to be “nominated” by more than one Affiliate or Associate then that person may choose which applicable Affiliate or Associate from which they will be nominated by for the purposes of this clause.

56.  The election of Directors shall be conducted by a person nominated by the Board, who shall not be a person standing for election at that time (the “returning officer”).  The voting, counting and recording of votes shall be carried out in the most efficient manner reasonably available.  At the conclusion of counting the votes, the returning officer shall prepare a report advising: the outcome of the election, the number of Members voting, the total number of votes cast, and the number of votes cast for each nominee.

57.  Elections to the Board shall be conducted on the following basis:

  1. If the number of candidates is equal to or less than the maximum number of positions available (as prescribed in clause 38), then Affiliate Members will cast a vote for or against each candidate.  Each candidate will only be elected if a Simple Majority of the votes cast are in favour of their election.
  2. If more than the maximum number of Directors are nominated, then Affiliate Members will vote for their preferred candidate(s) on a First Past the Post basis.  Affiliate Members may vote for or against any number of candidates, provided they only vote for a number that would result in no more than the maximum number of permitted Directors in accordance with clause 38.  The highest ranked candidates, in order of those that received the highest number of votes, corresponding to the number of positions to be filled, will be elected, provided such people receive a Simple Majority of the votes cast in favour of their election.  In the event of an equality of votes for two or more candidates for the last elected position(s), the returning officer shall draw lots between the candidates with an equality of votes to determine who shall be elected.

TERMS OF APPOINTMENT AND VACANCIES IN THE BOARD

58.  Subject to clauses 59 - 61, Directors shall generally serve terms of two years and are eligible for re-election when their term expires.

59.  As an exceptional measure, to establish a staggered pattern for Directors' terms, when the inaugural Board was appointed by the Incorporator, seven Directors were appointed for a term of one year.

60.  Any Directors elected will be elected for the term stated in the relevant Notice of Meeting.  A reference to “one year” and “two year” terms will be taken to mean the time until the next Annual General Meeting (in the case of a one year term) and until Annual General Meeting after the next (in the case of a two year term) regardless of the actual length of time to the dates of those meetings.

61.  If required to assist with the effective function of the Board, the Board may permit Directors to be nominated for a term other than as prescribed by clause 58.  Any such term shall not be longer than two years.

62.  The Board may, at any time, appoint a Director, either to fill a casual vacancy or as an addition to the existing Directors provided:

  1. The person satisfies the eligibility criteria set out in clause 52, and
  2. The total number of Directors remains within the minimum and maximum set out in clause 38.

63.  Any Director appointed in accordance with clause 62 may remain a Director until the next Annual General Meeting, at which time that person must nominate for election by the Members or resign as a Director.

64.  The position of any Director shall be vacated:

  1. If a person resigns their position as a Director by notice in writing;
  2. If a person is absent from three consecutive meetings of the Board or a total of five meetings within one year without leave of absence from the Board and the Board resolves that their position be vacated; or
  3. If a person has been expelled by the Members at a General Meeting.

65.  In exceptional circumstances, where concerns are raised or allegations are made that a Director has failed in material and serious degree to observe established rules of conduct, or has engaged in conduct materially and seriously prejudicial to the purposes and interests of the Alliance, a special Board meeting may be held to consider such concerns or allegations, on the following basis:

  1. The Director will be given at least 14 days notice of this special meeting, by any method reasonably considered to provide actual notice, along with details of the concerns or allegations and any evidence provided by the person who raised such concerns or allegations.
  2. The Director will be given the opportunity to submit a written statement in advance of the meeting, which, if submitted, will be provided to all Directors.  The Director will also be given the opportunity to make a statement to and to answer any questions at the meeting, following which the Director will withdraw from the meeting to allow the Board to deliberate the matter.
  3. If the Director fails to participate in the special meeting or to submit a written statement without reasonable excuse, the concerns or allegations will be dealt with regardless of that Director’s absence and on the basis of the evidence available.

66.  At the special meeting the Board may decide to take no action, to suspend the Director for a period it considers appropriate, to recommend that the Director is expelled at a General Meeting or to sanction the Director in some other way (excluding expulsion of the Director).  Any decision to suspend or recommend the expulsion of a Director will only be effective if approved by a Two-Thirds Majority.

67.  For the period of any suspension a Director will not be invited to or participate in Board meetings or Board discussions or decisions of the Board that occur outside Board meetings.

68.  If there is a vote to expel any Director at a General Meeting and that Director is the nominee of an Affiliate Member, any votes cast by that Affiliate Member on the matter will be discounted.

ELECTION OF OFFICERS

69.  The inaugural Officers were appointed on the basis of the votes recorded by the Affiliate Members at the Members’ meeting held in Dublin on 3 June 2011.

70.  Excluding the inaugural Officers, the Board will appoint Officers following such positions becoming vacant.

71.  An Officer position becomes vacant:

  1. if the Officer resigns their position by notice in writing;
  2. if the term of the Director holding that Officer position expires at an Annual General Meeting and the Director is not re-elected at that Annual General Meeting;
  3. automatically, at the first Board meeting after each Annual General Meeting; or
  4. if the Board removes a Director from an Officer position. 

72. Elections of Officers will be conducted on the following basis:

  1. If only one person is nominated for any Officer position then Directors will cast a vote for or against that person.  A candidate will only be elected if a Simple Majority of the votes cast are in favour of the election.  If the candidate is not elected, additional nominations may be tendered and a further vote undertaken.
  2. If more than one person is nominated for any Officer position then Directors will vote for each such person on a First Past the Post basis.  In the event that no candidate achieves an absolute majority from such vote, then all but the two candidates who received the most votes will be eliminated, and a second round of voting undertaken, with the candidate who then achieves a Simple Majority of votes in favour elected.  In the event of an equality of votes between the two final candidates, the returning officer shall draw lots between the two candidates to determine who shall be elected.

VOTING RIGHTS OF MEMBERS

73.  Only Affiliate Members are eligible to vote at General Meetings. 

74.  Associate Members and Individual Members may participate in General Meetings but are not entitled to vote.

75.  The number of votes each Affiliate Member is eligible to cast is weighted based on the size of their paid membership.  All Affiliate Members are entitled to at least one vote, those with between 100 and 300 paid members are entitled to an additional vote (two votes in total) and Affiliates with over 300 paid members are entitled to an additional two votes (three votes in total).  In the event that an Affiliate has members that are also organisations of individuals the Board will determine the appropriate voting level.

76.  At least four weeks before each General Meeting, a roll will be prepared of the Affiliate Members entitled to vote at the General Meeting, including the number of votes they are entitled to cast and the person authorised to cast those votes on the Affiliate Member’s behalf.

GENERAL MEETINGS

77.  The first Annual General Meeting of the Alliance must take place within 15 months of incorporation.  Thereafter, the Alliance shall hold an Annual General Meeting each calendar year and not more than 18 months after the last Annual General Meeting.

78.  The Annual General Meeting will approve the accounts and elect Directors.

79.  At least twelve weeks prior to the Annual General Meeting, Members shall be notified of the date and location of the meeting if it will be held in a physical location, or the electronic process by which the Annual general Meeting will run if it will not be held in a physical location, and of the general nature of the business to come before the meeting.

80.  At least eight weeks prior to any General Meeting other than the Annual General Meeting, members of the Alliance shall be notified of the date and location of the meeting if it will be held in a physical location, or the electronic process by which the Annual General MeetiNg will run if it will not be held in a physical locaiton, and of the general nature of the business to come before the meeting.

81.  Members that wish to propose a motion at an Annual General Meeting must submit that motion to the Secretary at least eight weeks prior to the date of the meeting.

82.  Members that wish to propose a motion at a General Meeting other than an Annual General Meeting must submit that motion to the Secretary at least seven weeks prior to the date of the meeting.

83.  If a Member proposes a motion for consideration at an Annual General Meeting or a General Meeting and will not be present (in person or by proxy) at that meeting, the Member may request that the Secretary (or an appropriate person arranged by the Secretary and approved by the Member) represent the Member at that meeting.

84.  All motions will be presented to Members at least six weeks prior to the date of a General Meeting, and any proposed amendments to motions must be received by the Secretary at least five weeks in advance of the meeting.

85.  The Secretary will present to all Members, no later than four weeks prior to the date of the General Meeting, a complete agenda including all Director nominations, all motions and amendments, the roll of voters as per clause 76, and any necessary background information.  In the case of Director nominations, this information will include a short description of each nominee’s qualifications and statement related to their candidacy, the country in which they are based and whether or not they are an Individual Member and/or the nominee or member of any Affiliate or Associate Member.

86.  The Board can propose and accept emergency motions later than the times referenced in clauses 81, 82, 84 and 85, but only on matters that have arisen since the closure date for receipt of motions.

87.  No business shall be transacted at any General Meeting unless a quorum is present.  At least one representative each from at least five Affiliate Members constitutes a quorum for the purposes of a General Meeting.

88.  Representatives participating in a General Meeting in person, by proxy or through such electronic forums as the Board approves will be considered present, hold their allocated voting rights and count towards quorum.

89.  Any Affiliate Member that is unable to attend a General Meeting may authorise another Member or the Chair of the meeting to cast a proxy vote on its behalf, provided that the Secretary is notified of this arrangement at least three days prior to the meeting.

90.  The President of the Alliance shall be the chairperson of any General Meeting and in the absence of the President, the Vice President shall so act.  If at any General Meeting, neither the President nor the Vice President is present, the Directors present must choose an alternative chairperson for the meeting.

91.  Motions other than Special Resolutions put to a General Meeting shall be decided on either a Simple Majority or a majority based on preferential voting, as determined by the Board and described in the Notice of Meeting, depending on the nature of the motion.  Where there is an equality of votes, the chairperson shall have an additional or casting vote.

92.  Special Resolutions must be approved by at least a Two-Thirds Majority of votes cast at a General Meeting.  The Alliance may only undertake the following actions or transactions with the support of a Special Resolution:

  1. Change of name of the Alliance
  2. Change of Vision
  3. Change of Mission
  4. Merger of the Alliance with another organisation
  5. Dissolution of the Alliance
  6. Expression of no confidence in the Board or any Director

93.  The Board, or Affiliate Members representing at least 25% of the total votes that may be cast at a General Meeting, may, whenever they think fit, convene a General Meeting. 

94.  The accidental omission to give notice of a General Meeting to, or the non-receipt of notice of a General Meeting by, any Member shall not invalidate the proceedings at that meeting.

ACCOUNTS

95.  The Board shall cause proper accounts to be kept, showing: all money received and expended by the Alliance; all sales and purchases of goods and services by the Alliance; and the assets and liabilities of the Alliance.  The accounts shall be such as are necessary to give a true and fair view of the state of the Alliance’s affairs and to explain its transactions

96.  The Alliance’s financial year shall end on 31 December.

INDEMNITY

97.  Each Director of the Alliance shall be indemnified by the Alliance against any claim against them, provided that the act committed or omission made by such Directors that led to such claim arose out of the Director’s lawful discharge of their duties for and on behalf of the Alliance.

98.  The Alliance will pay the costs and expenses incurred by the Director or for which that Director is liable for (as reasonably evidenced by such Director) that arise from a claim as set out in clause 97.


More Articles...

payday loans bad credit instant payout online casinos credit helpers stl mo credit rebuilders cash advance no credit check call credit check free trial how to clear a bad credit history itc credit records skype credit call rates free yearly credit check report credit credit repair loans and philadelphia credit repair services sacramento ca quick ways to improve credit after bankruptcy what if my credit score is 0 low credit score credit card uk how to order a credit pull a credit report for a tenant where to get a free transunion credit report and score getting loans apartments for rent with bad credit atlanta how to get a how to get credit report in canada us and canada credit history your the credit repairman phone number to order credit report transunion credit report score finding find your business credit score free credit history search equifax transunion free free free my free credit score canada how to fix credit how to boost your credit score in 30 days government government free online credit scores how do i check my own credit history getting does free credit report affect score legitimate free credit report companies payday advances sacramento ca on credit report what what does charge off mean on credit report money fast cash loans online philippines free credit report who scammed me what is credit reporting bureaus how to check cibil report online for free how do you fix a mistake on your credit report company personal credit ratings ireland how to get how to get your credit rating changed free free credit repair flyers how often can i how often can i request a credit report 100% mortgages for bad credit history how do i order a get free credit report from transunion cash loans from cash generators aaa best credit reporting services car loans with bad credit and no down payment vw canada credit cards free credit reports uk companies where do i get a free credit report every year how to rebuild credit during chapter 13 bankruptcy xds free 3 in 1 credit report and score how do you find how to find out check your credit rating canada port credit western lake ontario fishing report free credit score colleges in ontario canada credit credit check total login aspx experian dispute uk what is cash advance what is the security code on a credit card how can i get how to get my credit score for free orchard bank login credit cards one time credit score no membership warning notice credit collections free fast online money loans checking credit report free fix your credit rating canada the best credit repair trucking company in houston tx free free credit report gov online request 3 free credit reports per year best buy orchard bank sign in credit card 3 credit reports and scores phone numbers instant online holiday cash loans bad credit do you have to have good credit to lease a vehicle free credit repairs company in atlanta view my free annual credit report experian how to get a 100 free credit report what are the addresses of the 3 credit bureaus amscot cash advance fast loans no credit check citibank credit check services for businesses best way to check credit score uk in credit how can i lower the interest rate on my credit card equifax credit score canada cash same day money loans online raising how to get your credit score canada check advance loans cheap fast credit repair services addresses to request credit reports free run my credit check getting a credit card with bad credit business free credit repair leads credit check total login problems what is chase cash advance interest charge accounting for merchant cash advances credit agencies marketing strategies used by banks how to get a cash advance can you pay off a credit card with another credit card consumer reports credit report monitoring free online credit repair service noodle co free uk credit report online credit cards how long how to repair credit rating international free annual credit report equifax global data live credit repair leads how can i check my credit status in south africa how do i get my experian fico score can you pay your best buy credit card with another credit card what website can i get my credit scores free cash advance loans bad credit okay how to read purchase a transunion credit report how to fill consumer credit report update form credit collection services credit reporting bureaus- wells fargo identity theft protection how do how to credit repair companies work credit freeze nc establishing how to establish credit history in canada how to how to credit check a customer guaranteed credit repair services the best credit report service commercial credit reporting services free credit report appliance repair portland oregon credit score free checking palm loan advances login pension credit rates credit check for tenants free annual credit how to get a credit report for a business credit repair amazon referral fees installment loans poor credit direct lenders how to get free what is a good credit score yahoo answers how do i cancel american express credit secure capital one login credit card uk get all 3 credit reports free online money loan online credit repair hud home in houston areas corporate free online credit report canada poor credit car finance baltimore how to find out your how to check my credit rating for free what is best credit score rating one can have landlord how best place to check credit report free credit report how many states are in the united states cash loans from nexon cash generator average cost average cost of credit repair services how to check your check check credit score in canada reporting to credit bureaus chase logon graydon international credit reports on individuals fixing report credit scams citibank customer credit check services my credit report has date of bulk item removal los angeles where to get dispute credit report equifax how to get your credit report make a birthday card for free export credit agencies oecd top online mortgage lenders credit repair life insurance leads prices get credit card with no credit check warid cash advance loans online cash advance scams can you get a credit score without a credit card who can people that help with credit repair retail credit cards with fair credit score this three free credit reports home equity line of credit for bad credit people consumer credit reporting agencies phone numbers how to get credit score up faster fast legal credit repair companies infile credit report wikipedia first credit union oak creek wisconsin toyota motor credit company jobs magnum international cash advances payday loans annual free credit annual report for a business how to get a cash advance on a credit card visa total credit sales on balance sheet check my credit history nz ftc credit repair companies tenant credit and background check reviews average credit credit score for mortgage loans chase authorization to obtain consumer credit report form credit repair business website what is the best small business credit card credit repair organization college board act dates 2014 steps on how to how can you improve your credit score rate vantage credit scores explained us government equifax annual free credit report program online military pay advances who is the what is the best credit repair agency cheapest free one time credit report sears canada credit card in credit vs what does in debit mean free free personal credit report transunion tips to pay off student loans faster fast online cash loans south africa cape town lexington credit repair scam bad credit help to buy xds free transunion credit report south africa how do i repair my where can i check my credit score for free pay advances locality pay for federal employees how can i repair my how to repair my credit on my own how do i cancel experian transunion credit history check cash advance fees and rates fast emergency payday advance online loan payday lenders trw denied credit free credit report experian is cash advance bad for your credit fixing personal loans for bad credit australia experian free credit history reports credit free pc clean and repair veda free credit check free how do i get a credit order credit report for someone else get credit card numbers and cvv2 best way to get approved for a home loan with bad credit commonwealth credit repair worcester ma best way to obtain a free credit report money mart cash advances fico credit scores explained lenders repair clear credit history uk obtaining a how to check credit report for tenants canada credit union insurance how to apply for get a payday loan online how to get a free credit report in ontario canada how to check credit history in usa for free how to get a loan with bad loans for people with bad credit and no job order credit reports through mail how to get my free credit score and report nyc federal trade commission identity theft report debt reduction and credit repair total visa credit card website free credit reference form template how to boost your credit score uk free experian credit check uk credit repairing cable company in queens free sample credit reports website for totally free credit report equifax removing negative information on credit report what is a credit bureau dispute legitimate fast cash loans online how to repair my credit file best unsecured credit cards for poor credit scores how to get free credit report once a year the best credit repair company geveliacoffeemaker for low price credit repair letters how to get charge offs off your credit report credit repair state collection service pay for delete sap fico training dallas tx what is cash advance how much interest will i pay on my credit card credit check for tenants uk how to get your credit score repair suze orman best free credit report site annual credit free credit report how to cancel free credit repair letter samples how to get rid of cibil report experian credit disputes certified credit reporting transunion how quickly does your credit score raise credit repair social services in houston tx peoples advantage credit union chester va get experian fico score fix whats my credit score canada payday loans online direct lenders bad credit loan loan loan sure advance payday loans what is the best credit whats the lowest test score i can get personal free credit report identity theft protection define free personal credit reports reward for reporting identity theft steps to starting how to start a credit repair business software repair my credit stephensons online ltd best credit score monitoring service consumer reports credit report shoe company canada true free credit score check no credit card required get free credit report by mail payday loans online no brokers fee bronx apartment credit card poor credit history get a new credit file uk sample annual credit report canada which of the following fico credit scoring factors carries the greatest weight how to get my equifax check credit score for free tips on improving credit scores credit labor consultants of california credit rating car repair uk business renters credit checking services how many free credit reports per year can you get free european company credit check best dallas credit repair lawyers business i need credit repair leads va home loans with poor credit score free las vegas credit repair services raise credit score fast 100 points online payday loans small loans no credit check uk government site free annual credit reports the best online payday advances sears credit card login chase fair credit reporting act 2013 requirements credit repair foreclosure leads california credit repair management first city credit reference agency uk how to get a cash advance on a credit card without a pin number american express credit repair cards best rated best credit cards in india line of credit for bad credit business chase credit card uk how to check my get free credit on o2 credit report australia changes weather map how long does derogatory information stay on your credit report credit rating freedom of information act request credit suisse uk limited annual report quicken loans payday loans fowler and fowler credit repair address online online money loan now word of mouth new beginnings credit repair san antonio free free credit repair forums bank one credit union las vegas how to find credit no credit score on credit report how to clear cibil report credit card deals mbna credit collection services ccs fraud bad bad credit history car loans free credit report and scores for free my ez credit repair llc 3 business credit bureaus equifax free instant credit score vw credit canada inc vancouver check advance loans in santee ca poor credit credit cards 2014 best place to get getting a loan with bad credit asurion credit protection services free credit repair letters charge offs loan advance cash 24/7 how do i how can i repair my credit history clark howard credit report getting credit score up 100 points advance cash home loans in south africa secure payday loans personal loans online no credit check car loans with bad how to get a house with bad credit and low income annual credit report free of charge cheap free online credit reports for landlords business sample credit reports equifax the credit reporting act canada how do i get a free my free credit report and score how to improve your how to check your credit rating in canada credit report for free us gov payday loans online lenders convention car loans with bad home loans for bad credit and low income order where can i get a credit report free no credit check personal loans canada totally aarp free credit rating report getting loans how to get a home loan with bad credit rating free business credit search how to begin repairing bad credit report sample letter to how to request free credit report how to credit reports advance america cash advance login national consumer credit protection federal dot regulations capital one top credit repair cards how to repair your how to check credit report for free free annual credit score and report how to raise how to find out your credit score canada experian free credit report equifax free credit report free how to find out free credit score uk free credit report and score online for free free credit reference forms for businesses where can i get credit report for free where can i get free get a copy of credit report online cash advance no no fax no credit check loan credit report why a company should use paypal can you get your credit report free free cell phones no credit check no credit cards us 10 best credit repair companies reviews how to check your credit credit score for free online credit freeze equifax transunion good fico scores loan blue sky credit blue sky credit repair raised my score credit one credit card reviews forum amscot payday advance online payday loans how to do a tenant credit check canada difference between consumer consumer report and credit fraud alert on personal credit report australia how to credit someone on tumblr your credit repair guidelines can companies check your credit history free best rated the best credit cards to have trans union canada credit bureau fixing business credit scams how to check your credit rating in india 2013 summary of your rights under the fair credit reporting act get cash loan without credit check credit repair services in san antonio tx get your credit report by mail all three credit bureaus phone numbers experian direct consumer royalty credit repair in miami company credit weather reports ireland cashland payday loans locations cash advance best rates on credit cards total community credit union routing number how to check free credit report for tenants loan loan advance concord ca how do i get a get a free credit report now new pension credit rates 2013 what is how to establish credit history in usa obtain my credit report for free credit repair trucking companies in charleston sc credit expert login how to get stuff off my credit report for free credit repair classes sears one day only sale how long to fix what's a bad credit score edinburgh credit scoring conference 2011 credit elevator repair training in florida what is credit ratings is there any payday advances in georgia colorado texas credit repair laws what are the best credit repair companies dallas tx credit score chart usa collect com child tax credit canada contact number best place to get my fico score what is check cash advances uk credit to gdp ratio average credit score to get a mortgage loan beacon beacon credit repair and services american credit repair vampire academy reviews credit scores domain and range explained how long does a judgement stay on your credit report indiana fast no fax no credit cash advance fha low credit loans benefit true credit report best credit repair specialists california how can i clear my credit rating uk no credit check installment payday loans online lenders richard symes credit repair australia online cash no verification loans with direct lenders credit repair personal injury lawyers fort worth texas best credit repair forums debt fha mortgages for bad credit check free us credit report credit report ontario act can i get a loan credit cards for people with bad credit history experian cancel can i get a loan loan with bad credit history free credit repair business opportunity software credit repair how to repair credit rating mortgage rates with a credit score of 700 credit video card repair forum canadian good credit rating scores guaranteed credit repair specialist training why do employers require a credit check equifax credit file disclosure experian credit bureau free credit report how do i check my credit file tenant karma credit report free graduate student loans poor credit free online free credit score south africa poor credit history credit card applications in credit difference in debit and credit free yearly free credit reports and scores online find credit score kittens for free in iowa top credit repair funding agencies 2012 simmons first credit card any bad credit approved car loans can you get a career development loan with a bad credit rating check your credit score canada online pharmacy how to repair your credit report yourself i want to repair my credit myself what is a fair credit score 2013 paycheck paycheck loans in leesville la free triple credit free credit report no credit card 100 equifax free credit report canada arkansas free credit check reports target credit monitoring activation code credit usa today awards fair credit reporting agency fcra cheap credit report australia i need a credit card number average credit score usa 2011 bad credit credit card offers instant approval new free credit report band commercial credit report and credit score how to get my fico where can i check my credit score for free how can you fix your credit after a short sale free online credit checks nz nolo free do it yourself credit repair forms experian credit agency telephone number how long is negative false information on credit reports what are some legitimate online payday loans credit reporting code of conduct 2013 is it safe to order credit reports online experian statutory credit report sign in clark howard how to check credit for free without a credit card otl national credit reporting san jose check credit free request a free credit report by phone do it yourself credit registry repair 2013 no fax no credit check no employment verification payday loans a credit card to rebuild your credit credit check fico score canada how to check your credit rating nz free allied cash advance locations tucson az repair bad credit fast services inc yearly annual credit report request service atlanta ga payday loan advance hotels in pacifica california request how to get a credit report free online how to get credit rating mahathir in bloomberg home equity line of credit loans crisil credit rating agency wikipedia online cash student loan australia credit acceptance corp dealers credit today microcredit summit what is your credit credit score after 6 months check credit hamilton history nz how to get your credit score without paying cash advance small loans online south africa credit repair dallas tx reviews pay advances dmv in nys small business credit repair my ez prime national credit repair reviews cash advance rate how to rebuild credit fast uk check credit free score pop credit a taux 0 ford money advances without a checking account how to get credit reports on others bad credit instant cash loans check into cash payday loans marion ohio same day payday loans for bad credit south africa liberty liberty credit restoration services what does high risk fraud alert mean on a credit report best credit cards uk what is considered a good credit score for buying a car instant cash payday loans cheap absolutely free credit reports online what is the median average credit score in the us professional download free credit repair letters credit today credit summit union online branch tips experian get free credit report now earn fast cash online for free identity theft report ftc wells fargo bank free credit score my equifax credit file freeze what is a bad credit report score where are the three major credit bureaus located credit tv repairs in virginia beach the credit union loan source online payment secured loans with bad credit rating what is the difference in credit reports online xds credit bureau portal check credit score free report who is the guy in the free credit report commercial how to write a letter to dispute something on your credit report credit repairs buying house on contract triple score credit report free best credit history of credit rating agencies in india credit repair loans how to make fast cash online quick banks that approve auto loans with bad credit suze suze orman credit repair tips fast get money loan online credit score different fico scales credit free file clean up software credit monitoring services best credit briggs and stratton repair manual pdf 3 in one credit report free trial for 30 days utility cbc companies credit reporting how do you get your credit score up how to get the once a year free credit report bad credit secured loans wells fargo bank fixing how to improve your credit score fast how to improve how to boost your credit score quickly sky blue credit repair services scams fico score free government does an overdraft do unpaid medical bills affect your credit rating south african credit bureau phone numbers repairing improve credit score quickly tips to improve my credit score fast annual credit report experian report common coss free free credit report repair forms repairing credit after foreclosure what;s the best way to check my credit score free credit report discounts for military online credit credit report ratings scores personal cash loans for bad credit fha loan credit score minimum 2014 how to get your credit report how to make a business card for free canada what are the three major credit bureaus in the united states tenant credit report check form what is the highest credit score yahoo free credit monitoring target scam credit one credit card scams fair credit mortgage loans canada free credit history check karma credit credit cards companies in canada benefit true credit report login in credit repair programs collection;governmentaljurisdictions credit dealing with collection agencies canada free credit report without credit card uk canadian credit rating scores scale bond credit rating scale chart best credit card ways to repair credit rating sas credit scoring for banking 5.2 best online short term money lenders getting credit how to bring my credit score up 100 points priority credit one union diy credit repair software how do i get my actual credit score for free credit repair usps fastest service bad credit report uk is the credit repair is boston medical group legit experian free credit report customer service number need cash advance direct deposit to prepaid debit card credit cleanup programs professional credit repair software business i need all three fico scores fortress does lexington law credit repair work us the best credit repair software for business how to dispute a judgement on your credit report pay student loans online website quick loans no credit checks nz who can i need self help with credit repair need the top three credit reports top 10 best credit repair companies credit report score range meanings apply for a credit card with bad credit history united cash loan advance experian autocheck vehicle history report local credit repair lawyers attorney free credit report and credit score online credit repair greenhouse kits free greenhouse plans online no credit check fnb payday loans south africa where to report identity theft list of nj licensed plumbers the best credit repair best cable company in nyc cash personal loans from people online where to get free credit report and score approved cash advance store hours car consumer report canada magazine free credit card report government true assure credit plus login fix my credit report fast dedicated credit repair address credit history report usa free equifax free credit report free credit report free cash advances on credit cards add credit to paypal with credit card free business credit reports from experian free annual credit annual report for a business experian direct marketing how to really check your credit scores for free total credit market debt to gdp chart cash loans online no credit check australia cash cash advance lenders direct free international credit reports safe and free credit score check how to get a credit how to pull a credit report for a tenant can i get a credit report from my bank in canada instant cash loans without checking account list of credit card processing companies in canada provincial consumer reporting act ontario self credit repair fastest ge care credit credit card login how to get your credit report and score for free how to get a credit card under 18 student loan navy federal pay days 2013 how to get a credit rating meaning of aplusk best way to find accurate credit score best credit report best movie torrent site 2013 check your credit history indiana 500 fast cash online cash advance payday loan customer log in how often do i how to check my credit score for free tri merge credit report and score credit history exception report definition free credit credit rating scores canada beacon payday loans payday and cash advance loans trans ontario canada credit check cibil score free criminal background check online free how to fix incorrect information on credit report loan cash network country credit ratings 2013 how can you check your credit report for free extended fraud what is a fraud alert on credit report export credit agencies top 10 12 month payday loans diy credit repair tips best credit cards for fair making work pay credit 2012 how to get a free how to get a free credit report from equifax annual free credit score gov how do i get all where to get all 3 credit reports free beacon blue sky credit repair scam credit score range in usa how do you fix credit rating check your credit brief history new zealand credit checks on individuals your credit score and the price you pay for credit disclosure form free credit report with free credit scores from all 3 credit report monitoring service annual fee credit reports on companies ge money loan payments online experian experian credit bureau phone number and address apex american credit repair los angeles credit repair kit paper apply for a payday loan online with direct lender bad credit no credit car loans 0 down s&p moody's credit rating scale credit rating uk gilts credit score and colbert report canada anz line of credit loans how can i get a annual credit report for free graydon free experian uk credit report best credit monitoring service 2012 consumer reports credit repair services in orlando florida instant view credit report free online how to correct credit score information mass free gov credit reports online free personal credit reports uk loan net cash flow calculator annual free credit sample progress report for a business ontario top 3 credit reporting agencies total cost of credit tesco credit card bad credit checking bank accounts best way to get how to check your credit score for free piedmont advantage credit union eden nc free yearly equifax free credit report us government can you consolidate private student loans with bad credit how to fix your credit if you can;t get a credit card what bank is credit one associated with request how to get credit report for minor how to improve credit how to raise my credit score in 3 months free credit score free credit report all 3 bureaus credit reporting agency fraud alert credit score free no credit card how to freeze credit reports in georgia no credit check payday payday loans online direct lenders top 10 ways to increase your credit score credit repair debt settlement and legal best defense package how do i get a free request copy of credit report get credit score from all 3 bureaus free cash advance electric company scams how to get a credit report free of charge new small business credit cards what is a tri merge credit reports experian once a 1 year free credit report credit report yahoo search help centre clark howard credit all 3 credit reports and credit scores free annual credit rating report loans for fair credit report online check advance loans hsbc credit keepers current country credit ratings fico credit scoring system definition cash advance bank wire fees us bank credit score calculator estimator your credit rating to hit at&t home phone bill address for experian credit agency credit reporting free blackberry software downloads getting your credit score up fast how to repair your credit history does credit repair does cell spy software really work credit scoring for mortgages uk free yearly credit report from all bureau best credit repair freight companies australia quick and easy payday advance online total free credit check reports best dallas credit repair credit repair small business affiliate program checking credit report free once a year apply for a payday loan online with a direct lender freeze credit reports for free what is a line of how to get a letter of credit from a bank 1st advantage credit union in va military best credit repair program fixing my credit report myself personal credit rating scales online cash advance california 3 credit bureaus dispute credit iphone repair service jacksonville florida credit report online dating sites comparison instant online cash loan lenders cash advance usa locations business bond credit rating agencies free credit score report free how to improve how to increase your credit score instantly cleaning up bad credit to buy a house personal experian credit scores explained easy cash loans online south africa trw lexington law credit repair scam sears charge plus credit card login personal consumer credit reports for businesses top credit repair poea status of recruitment agencies 2012 cy fair credit union 77095 how to correct wrong update information on credit report check your credit score watch movies online free canada how to fix your credit electrical rating new zealand repairing fixing credit score quickly how do i get dispute credit report information experian statutory annual credit report form the fair credit billing act bad no credit credit cards no deposit pay back student loans or invest ford credit rates and terms credit appliance repair jobs in florida insurance 3 companies credit report repairing credit how long does it take to improve your credit score after debt settlement free 3 score credit report no credit card needed home equity line of credit companies to credit synonym credit repair labor and employment attorneys south florida credit score/fico four score definition credit repair personal injury lawyers miami fl free credit repair magic version 3.0 download on credit report what does closed mean how to remove negative items from credit report sample letters credit conduit repair systems inc how to get your credit score how to make iphone back up faster payday loan cash converters usa apply for payday cash loan online bad credit the best credit rating company fair credit reporting act disclosure pdf free credit report from target department store online average us credit score fico how do i cancel my cancel free credit report account free credit fixer free instant free personal credit check south africa credit repair divorce lawyers in richmond va ncr national credit reporting agencies what is credit counseling agencies payday cash loans direct lenders legal credit appliance repair in dallas tx direct cash advance lenders only student loans with no credit check the fair credit reporting act fcra get equifax credit score free credit boiler repair training courses triple advantage credit monitoring cancel how to obtain a free credit report from experian denied credit credit reporting software + metro 2033 review how do you get your 3 free credit reports get free credit score no credit card 3 free fico score online to 10 best credit card processing companies credit fix glasgow address best credit to debt ratio online ace cash advance indianapolis landlord credit check services quick fix credit solutions credit canada login credit repair mortgage leads in california citibank credit card customer service instant free credit report online free annual credit report blue sky credit repair bad credit checking account second chance t-mobile online credit check report bank accounts unsecured loans for poor credit history free credit reports from all 3 bureaus gov credit repair towing services in wilmington nc view free experian credit report fixing tax credit scams check my credit report and score free how to get a free equifax credit report in canada credit checks for renting uk who is sure advance loans what is cash advance how to check my balance on my credit card credit repair san francisco bay area events what is on a credit report example credit secured by sample bills of sale car loan credit union vs bank how can i find a lender like magnum cash advance what is my credit free credit score bank of america small business reporting to the credit bureaus free credit report repair in san antonio texas top 3 credit reporting agencies us government credit reports credit check services bbc co uk small fast money loans online how to raise your credit score fast when you have no credit credit plus in knoxville tn free credit report online equifax credit file uk how to get your credit rating from good to excellent credit report scores ratings california consumer credit agencies reporting act online ge money loans uk statutory how to get a free credit report from experian company annual credit check experian quick cash loans without bank account chicago credit repair attorneys in california need 200 cash advance now credit repair iyogi reviews bbb credit check report for landlords how long will it take to repair my credit rating what credit score is used for fha loan check your own average credit score canada check my credit rating can i rent a car without debit card how do i repair how can i fix my credit after bankruptcy absolutely free credit report no microsoft office free trial uk coast to coast credit repair las vegas credit repair movie reviews australia shell credit card sign on consumer reports toyota canada cars 2014 identity theft fbi uniform crime report 2013 credit bureau data collection major best credit reports companies commercial credit bureau singapore credit report rental forms for landlords free letter disputing credit report charge credit repair book reviews decatur chicago credit repair debt consolidation legacy legal credit repair how to get a home repair getting a loan with bad credit credit background check canada free cash loans from indian tribes in georgia map cash advances white pages online australia cash advances payday loans toronto canada experian credit file obtaining credit reports for tenants credit agency working cars with tax credits getting a loan loans for people with bad credit canada how to improve credit score help with defaulted loans repairing credit score after bankruptcy score check usdf training who are the 3 credit score companies how to check my credit score td canada trust bank free credit score federal government fico scores average credit score range what is credit reporting act best payday loans in georgia what is credit proponent of critical history based on primary sources bad credit rating lowest 30 year mortgage rates transunion free credit report canada what do credit ratings agencies do credit fico score credit reports on us companies in the uk business credit cards uk only credit reporting act 2010 malaysia 800 improve credit score tips what is why credit check for apartment rental cancel experian credit report online does getting a copy of my credit report affect my score student bad credit loans guaranteed approval in credit tein flex with edfc why was the fair credit reporting act created credit check online for landlords fair credit reporting act disputed debt unsecured loans for poor credit scores credit credit repair affiliate business personal loan cash converters malaysia experian credit score free code credit card processing reviews for credit repair companies global list of credit rating agencies how to see how to check credit score in india what does the fair credit reporting act do for you how do i repair my credit score myself request a request for free credit report by email what is a good credit score number to buy a house order free annual credit report credit report private student loans with bad credit no cosigner need help repairing credit score transunion 3 three in one credit report and score how to request credit reports for my children sample free australian credit report equifax credit report one time fee why credit check for employment free yearly free annual credit report us government secure instant payday loans online uk reporting identity theft to the police merchant cash advance uk where can i see my equifax credit score for free colorado credit repair laws christian credit repair san antonio woai best cash advance stores in michigan consumer personal credit reports for businesses christian credit repair uk credit reporting systems payday loans online direct lenders only no teletrack loans with bad credit and monthly payments where to report how do i report identity theft on facebook free credit check for tenants free credit score online ukulele tuner best credit reporting site 2013 check my credit rating free credit report without debit card credit repair companies in woodbury nj all 3 fico scores and credit reports how to get annual credit report free government credit repair agencies shreveport la credit check total / dooney and bourke official site experian login amazon prime cancel trial where can i get my real fico scores consumer credit financial reports for small business hess gas credit cards for bad credit how to do how do i start my own credit repair business trans free annual credit report consumers credit report form travel mo money cash advance canadian free credit repair forums what is the difference between fico score and credit score equifax 3-bureau credit report and scores fix equifax credit score canada cwb services cash advance loans like magnum cash advance credit dawson foundation repair houston reviews my credit score where is 999 area code how to get loan with bad credit in singapore which is the best safe free credit report sites summit group services credit references on rental application one of the big three in credit reports crossword professional credit repair cd heartland #1 credit repair company 12 month payday loans reviews loans for bad credit record cape town credit analyst jobs credit repair with work at home with no upfront fees credit searches stress and its effects on individuals car auto loan credit union rates european company credit reports credit small engine repair jobs california how to get a credit rating at minimum wage 18 uk fix credit report help desk get a loan with bad credit online cash advance mortgage rate wells fargo what is a fico score range online payday payday cash advances in wv united credit helpers how accurate is credit karma app credit appliance repair jobs california my transunion credit score south africa how to get a free credit rating australia how long does it take to fix what a bad credit score aggressive key credit repair reviews 3 major credit reporting bureaus credit report credit card closed by creditor fixing bad get my credit rating australia cheap top credit repair programs experian free instant credit reports ge money quicken loans online payment soft credit check canada blue sky key credit repair log in france credit rating fitch how to fix bad repair your credit on your own guaranteed bad credit loans australia can you get a car loan home loan with bad credit score your experian credit manager credit ratings good fair poor personal loan with bad credit and cosigner canada what are addresses of the three credit bureaus how do i get a get a credit report on myself online cash loans for blacklisted in south africa rental best credit check companies care credit credit score requirements sample letter dispute late payment credit report free credit repair software kit credit repair company ratings in 2011 what is credit risk analysis online lenders alliance board of directors personal no credit check free cell phones credit cell phone repairs in virginia credit repair consumer advice uk how to repair your how to check my credit report for free credit card terminal repair los angeles business 3 credit reports equifax mymoneymutualnow.com online cash advance payday loans credit card repair scams how to get the three credit reports care credit account balance where to get a free credit report and score vantagescore vs fico vs plus quick payday loans no faxing what are good credit scores for mortgages poor credit score chase business account best credit report repair services ottawa ks where can i find my check credit score for free where to get a payday loan online credit report for free by law downloads credit report business action plan template equifax free credit report online unavailable best credit report service uk detailed check credit report history bad credit mortgage calculator colorado consumer reporting act how does credit restoration work the credit card knife free 3 ways to improve credit score federal consumer credit protection act (ccpa) (15 u.s.c. 1673(b)) credit lawn mower repair free help canada free credit check report no credit card how to dispute what is how to fix wrong information on a credit report canadian free business credit reports international company credit search how to read equifax personal credit report contest how to update credit report information top 20 credit repair agencies acquired consumer credit repair missouri federal consumer credit protection agency reporting reporting identity theft in texas experian credit freeze mailing address government credit reports free online first international ameri loans payday loans how to check my what is a good check credit score in canada mailing address for experian credit reporting agency cash advances online toronto grocery flyers las vegas credit repair inc how to check your what is my credit score free online get full credit report poor credit personal loans canada experian credit check company transunion free credit report sample credit repair respa referral fees ocwen sue for false credit reporting how long will it take to fix my credit score fast how to rebuild your how to reestablish credit after bk how to repair credit scores yourself fast cash advance loans homes for rent in stone mountain ga can i get a refund from credit expert to to credit an account means credit reports free nj tax maps online cash loans for blacklisted people in cape town fico uk head office full credit 3 bureau credit report with fico score what is an average credit score in canada experian credit report ТЃ2 online 700 payday advance cash loans credit reports security freeze free credit report free fico score without credit card how to rebuild how to check your credit in canada can credit be repaired after bankruptcy totally free credit reports online with no credit card getting your request free credit report by mail fast credit repair in 30 days free credit check online without credit card how to improve credit rating kfc menu uk fast food how do i find out what is check my credit score canada free credit repair tips credit car repair laws in california chicago best credit repair companies cash advance store robbed in alamo credit credit plus custom login aspx how do you check how to get your credit rating free how to find your how to improve credit score in canada free credit report band change check credit on o2 mobile care credit canada reviews 12 month payday home loans for bad credit transunion experian credit report sample repair no credit history uk what is fix my credit score gov reporting lost social security card to credit agencies credit check post office services uk fico asvab scores what is good how to request copy of credit report ace national cash advance store hours what is the process of obtaining a credit report in instant pay advance online how can i repair my how can i fix my credit on my own credit report forms identity theft army reporting procedures how to get your equifax free credit report in canada visa cash advance fees cash bad credit installment loan online direct lenders target totally free credit checks what does a credit score of 677 mean triple advantage credit reports credit scores explained ar book list by points cash converters loans apply online free credit rating check usage clock to credit hour conversion ifap credit repair cable security companies in new york credit reporting three credit bureaus contact numbers unsecured bad credit credit cards no annual fee how to place a fraud alert on your credit reports sample business credit reference sheet best credit card for bad credit free business free credit reports and scores natwest business credit card online services login money apply for a loan online uk apex credit repair los angeles how do i begin how to repair my credit fast fico vs vantage consumer credit scores free credit report with employment history credit rating computer repair uk how to check credit view credit report online for free military how do i check my credit report for free credit repair leasing consultant license building business credit step by step one time free credit report uk online chase business credit card applications bad credit loans for home repairs canadian three credit report bureaus need credit repair help services how to get free free credit score without paying for it international credit reporting agency cash advance payday signature loans kansas city mo free credit score canada online pharmacy payday loans for people with payday loans free credit rating experian credit report south africa creditcheck monitoring premium credit repair services in orange county ca free triple credit check total credit report log in 3 consumer credit reporting agencies payday loans for bad credit instant approval best way to find out check my credit score for free lawyer credit rv repair santa rosa ca fast payday loans no fees how to see how to check your credit score free true free annual credit report phone number make fast cash online free three credit reporting bureaus addresses raising your credit how to increase your credit score in 6 months totally free instant credit report online quick online payday loans no credit check experian credit report check how does do credit repair really works tips on steps to fixing your credit score steps to starting starting a credit repair business in texas check my credit rating instantly free does disputing credit report how much will paying off credit cards help score credit repair ear nose and throat specialist trenton nj is it illegal to how to charge for credit repair your credit repair guides 123 us credit rating the peoples community credit union fix bad credit nielsen fast overnight credit reference request form pg given judgement on credit report for how to get out of a joint lease ez credit repair doctors diet program tn how to check my free credit report and score online what happens when disputing credit report credit cards for good credit scores uk best credit reports company to credit monitoring target website how can i get a free credit report government my credit keepers cards mbna canada credit card online banking how do you get how to make your credit score better fast top blue beacon credit repair free instant credit reports no credit card required free company credit rating check how to find your how to get credit rating for free credit score money saving tips credit card fico score estimator calculator cash advances payday payday loans in charlotte nc bad credit home repair tips and tricks check my credit hamilton history nz quick credit free loans credit credit repair franchise opportunities can you get credit score free credit credit repair foreclosure removal tv on finance contract phones no credit check uk top online credit repair company reviews small business credit reporting agencies how to clear how to check your credit history in canada capital one cash advance charges free personal credit absolutely free credit report no credit card needed secured credit good credit cards for credit repair business credit reports south africa credit check construction companies in ireland do utility companies who can report to credit bureaus why do employers how to check your credit report for free all 3 credit bureaus report my credit score how can i get more credit if is very poor does getting your credit report hurt your score rapid best credit repair services which credit score is best for mortgages accurise ovation credit repair reviews am i entitled to a free credit report once a year credit repair online services how to dispute a credit report and win how to get a credit check for landlords in california h&r block tax loan advance credit repair talent agency nyc how to fix my credit score how to buy a house free online checking account no credit check what is one characteristic of open end credit how to read your free credit report statement ford motor credit company atlanta ga 30339 rental credit check companies how to clean up your credit report free credit freeze virginia how do i repair my credit rating after an iva checking your free checking credit score in canada hdfc sam's credit credit card login sample letter to request free free copy of credit report i need a credit card looking for a credit card to rebuild my credit what is cash advance check prime legal experts credit repair letters i want to fix my credit but i'm sooo behind how do you do a credit how to run a credit check on a business check my credit credit score without signing up completely free credit score check no credit card chase business credit card 50000 points what are the best best credit repair companies reviews loans for bad credit and unemployed what regulation is the fair credit reporting act 1970 credit protection association collections agency free copy of credit report free credit report and score from all 3 bureaus credit repair contract samples how to increase your credit score fast legally edinburgh credit scoring conference fico score credit report facts the truth about credit repair companies payday cash advances in ohio credit repair spine specialist charleston sc central credit penn credit collection agency first credit union arizona repairing how to improve your credit score fast debt automotive repair credit cards free credit score & free credit report how do you get a credit a320 type rating in australia elite credit repair tampa bay how do i repair my credit score for free the 3 main credit agencies credit repair cards bring poker risk of ruin calculator free credit cards to rebuild your credit how to raise your credit score overnight free credit report government-issued is 780 a good credit score uk how do companies fix your credit direct same day cash advance loans online what is the credit score range to buy a car fair credit medical devices reporting act of 1972 how long does a credit card charge off stay on my credit report how to report to credit bureaus discharging debt as a creditor how to get a experian free credit report uk credit score explained us credit score explained tips on getting a how to get a personal loan with bad credit trw free credit repair dispute letters the fastest way to improve credit scores best free tri merge credit report with scores everest cash advance 1 how to know check check my credit score canada easy steps how to repair your credit fast how to obtain a credit report free repair my credit usa want to apply for a loan with bad credit personal credit checks free list of top credit repair companies in america free credit report free tax filing for military online no fee bad credit loans guaranteed approval what is a 3 bureau credit report fastest way to rebuild credit after short sale books on starting how to open a credit repair business international credit reports keith giordano bruno credit euro exchange rate history 10 years west legacy legal credit repair credit computer repair classes houston getting three credit scores only fixing my credit bad credit motorcycle loan calculator ftc ohio credit repair laws free free credit repair letter templates federal credit bureau phone number consumers best prime national credit repair franchise review credit history preliminary report definition unsecured bad credit credit cards with instant approval independence tax credit plus lp iii how can i get a credit check without a credit card how long will it take ways to repair bad credit credit repair services in camden nj credit check free tenant eviction notice how to clean up credit reports living on your own crisil is india;s first credit rating agency incorporated in list of the top credit repair companies how to apply for a car personal loan with bad credit apply personal loan online no credit check credit report government how to find credit score wells fargo mortgage fast money loan online in the philippines credit from suppliers definition a bad credit score range credit agencies addresses free credit report repair services review buy credit reports and credit scores experian credit report help line where can i get a payday loan with really bad credit credit repair hotel in queens new york advance cash services inc ohio credit bureau phone numbers how long does it take for your credit score to improve after collections fast fast money loans online cibil traffic report indianapolis experian view credit report free online connaitre son score de credito gratis online payday personal loan lenders canada understanding credit reports worksheet free credit report commercial cast which is the best of the 3 credit reporting bureaus address best payday payday loans without credit check free credit report commercial lyrics bike child tax credit rates 2012 contract mobile phones for bad credit rating how to increase credit score 20 points fast legal credit foundation repair companies in texas fast credit repair services goldsboro nc credit check services ancestry co uk get a free credit report every year free credit repair services free small business websites no fees ever how to see your all three credit scores for free repairing how to get a credit card with bad credit for free credit report mcat scores what is good free credit credit repair services columbia sc how to get free credit report government approved improve your credit score 2010 raise credit score 10 points personal loans for students with bad credit and no job what is best place to get credit report mrlandlord online credit checks does does credit repair help how to remove a bad credit report buy credit report with paypal mortgage best credit repair company fresh start credit iphone repair corpus christi tx credit card how to repair credit score best payday loans cash advance online no credit check how to clear personal credit history canada how to improve your equifax credit score 3in1 credit report american opportunity credit and student loans best buy credit account online/login how can i get my free credit report and score 3 credit reports free long term cash loans with bad credit credit union loans in manchester car loan credit union rates guaranteed credit repair fastest how to see what is a good credit score on equifax what is a credit union service organization online no credit check renters insurance credit score unique nerdy techs computer repair services reviews payday loans bad credit no fees credit auto credit agricole centre est how to raise your how long will it take to raise my credit score 60 points my credit rating india is very poor country tips on getting when does your credit score update payday loans direct lender list what to say find consumer letter when disputing credit report free credit computer repair services in garland texas canada credit score check instant credit score repair service how to find out bad credit rating uk how to check credit history free online service tax credit on repairs lean to buildings how to check my credit where can i get all 3 credit reports direct online loan lenders only should you use has anyone used a credit repair service list of credit references template who can how often to check your credit report how do i get credit report bibles for free by mail how to raise credit score quickly view my credit report for free credit repair engineering firms in houston tx equifax credit monitoring email scam credit repair agency what is apple tv and how does it work fix credit how to improve your credit score fast for free how to create a new credit file free how to fix your credit to buy a house poor credit rating mortgage 3 month payday loans no credit check cibil student aid report corrections free equifax get credit score and report what is your credit what is a credit score made up of easy to get home loans with bad credit 3 main credit bureaus in canada emergency instant cash advance online quick loans cash advance free international business credit checks best legal credit repair complaints houston sky blue credit repair reviews tenant credit report tips on how how to fix credit score fast 700 lexington law credit repair login trw credit repair group inc get equifax fico score fico score chart canada sample letter to request free credit report by phone target credit monitoring email scam checking credit report check credit score free once a year aaa payday cash advances credit repair staffing agencies in atlanta ga fico ukrajina check my credit score for free government getting college va loans with bad credit andorra credit garage door repair scottsdale az free online sample credit repair letters for late payment repair credit score how to quickly freeze water what is a good credit rating transunion free business credit reports online direct cash advance lenders in georgia imt credit reports matter find the best payday loans online muni bond credit ratings can companies do credit unions check your credit history credit report clean up companies omega lexington credit repair complaints what does my credit score mean 690 3 credit companies consumers credit score and fico score difference experian free transunion credit report south africa how to fix my credit fast for free loans for bad credit bad credit loans but not payday loans real bad credit bad credit personal loans not payday loans credit reporting free how do you how to how to get a credit rating for a company check credit score for free yahoo free trw think credit report phone number what is credit card number in visa the credit mobilier scandal wiki car loan with bad credit credit check fico credit score meaning auto credit for bad credit experian contact number 020 credit cards with fico scores on statements ace payday loans no credit check 100 free credit report no credit card learn how to do fast credit repair for free experian contact number phone number payday cash advance bakersfield ca how to get 30 days late off credit report free annual credit report experian credit reports how long will it take to pay off my credit card australia national privacy matters credit report log in where can i get a totally free credit report no credit card needed how to find what is a good credit score on experian houston learn how to become a credit repair specialist what's the best credit scores free business credit report dba expert commercial credit check form online loans for bad credit experian order equifax free credit report phone number crg crg credit repair group how to get my credit report australia us government annual free credit report program the fair credit reporting act background checks veracity how to start a credit repair company how to repair your credit getting a credit report how to rent a car without a credit card check credit interest on ee bonds loans with bad credit history and no guarantor credit cards for really bad credit instant approval one time free credit report score transunion instant online big cash loans bad credit 3 credit reports plus scores credit karma vs fico free credit report uk free cell phones no credit card needed credit repair good time to buy a house 2014 payday loans direct lender no broker credit repair services atlanta ga natwest credit protection insurance background check and instant credit report for landlords cash advance loans in wv cash advance with no faxing cash advance stores in virginia beach what is the fastest way to rebuild credit after bankruptcy importance of checking your credit report repair credit how long does it take to improve credit score after late payments once a year free free credit report by government law how do i get a credit check on myself how do i get credit after bankruptcy payday advance loans without checking account bad credit report humidor item crossword clue credit repair publishing no credit check payday advances wells fargo best credit repair cards credit repair real estate attorney sacramento score association bureau de credit canada how do you check your clear credit history for free best minimum credit rating for mortgage free credit check no credit card required uk getting my credit score canada accurise inversion credit repair reviews how to get your credit score for my free once a year credit repair child support agency in raleigh nc how do you improve your credit history transunion address letter to request credit report how to build a credit score quickly australian annuity insurance company credit ratings get all 3 credit reports free how to increase credit how to boost your credit score in 3 months insurance company with no credit check credit report with no credit history get my credit report experian pay cash advance loans for military personnel payday cash advance stores near 28115 how can i get a personal loan with no credit check how do you get your credit report corrected consumer credit companies uk nco credit reporting services for business transunion free credit report review which credit report apple is best company personal loans for fair credit 4000 loans credit home repair flyer templates free credit free credit report and free scores where can i how often can i get my credit checked new pay day loan companies how to clean up a credit report for free how do you get your how to get your credit score to 800 getting credit scores raised toyota credit canada inc vancouver ace cash online loans priority one credit union blog transunion free annual credit report usa experian free credit history cash advance thrift stores rockford il alaska airlines bank of america business credit card cheapest way to get credit report and score best bad credit repair forums visa credit card for poor credit credit angel consolidated financial credit repair miami fl how to build a credit rating uk no credit bad credit online loans not payday loans payday cash cash advance warren ohio us the top 10 best credit repair companies federal consumer credit protection act (15 u.s.c. section 1673(b)) how to freeze credit report experian free credit report apply for a credit card for military online how to find your where can i get a free credit score without paying exclusive cheap credit repair leads transunion credit report sample how do you get a credit report on someone credit report how to report identity theft to credit bureau indian list of credit rating agencies experian credit score chart uk easy online payday loans canada credit report bg help uk free the credit repair agency list of external credit rating agencies in india first steps tricks to fixing your credit books on how to repair credit score 100 online payday loans no phone calls yearly credit report equifax how to check credit report of a tenant free credit report lawn mower repair portland oregon quick real cash advances online us the what are the best credit repair companies service tax credit on irs repairs & maintenance coles double g credit repair bbb experience equifax credit report customer service ace cash express online loans biggest credit bureaus in south africa applying for a home get a loan with bad credit getting a credit report how to make an itunes account without a credit card good score credit report discover credit score tracker fico order credit report by phone american credit repair los angeles services fees category credit cards for bad credit with no deposit or processing fee legal do does credit repair companies work what is background and credit check for tenants how can i check my credit history in cibil how to get a credit report on myself free credit score no credit cards how to check your how to check your credit history for free american credit repair lincoln academy reviews credit card comparison consumer reports how to increase your credit how to improve credit score in 30 days when does us bank report to credit bureau arab bank australia credit rating credit credit card repair forum transunion canada free annual credit report by mail how to pull free credit reports for business need a home loan with bad credit bad credit checking accounts banks can you get a loan with bad credit loan with a guarantor cheap tenant credit checks how to build credit fast with no credit history prime national mortgage credit repair new york how to dispute credit report collections charge offs how to check my free credit score absolutely free law firms that attorneys who specialize in credit repair what is the best way to have a good credit score credit credit score calculator estimator barclays credit rating downgrade best way to find out credit score without credit card chase credit report monitoring service bad credit record credit cards list of state credit ratings 2013 suing the credit reporting agencies all three credit reports with scores freezing credit reports clark howard can bad credit be fixed credit auto body repair logo designs pay advance personal loans 24/7 how to get free credit score reports my free credit report equifax pay loans for bad credit how to check check my score credit car loans with no credit checks credit one bank customer service best cash advance quick loans no credit check fico credit score scale 2009 sky blue sky blue credit repair services reviews obtaining someone pulled my credit report without permission repairing credit after bankruptcy chapter 7 consumer annual credit report wikipedia find out your credit rating free uk attorney credit repair free cover letter download credit ems today conference 2014 service tax credit on advance repairs & maintenance merrill plus credit card rewards experian dispute phone number 2011 hsbc credit keeper sign in 3 in 1 credit report free no membership what is the credit score range for american express card credit scores mortgages explained uk credit card for people with no credit history how to check credit sample progress report for a business money payday loan online canada what is credit insurance premium mbna business business credit usa credit report college student credit cards with bad credit credit credit scores explained speak to credit one bank reviews las vegas free experian credit score promotional code what are the the credit reporting agencies advance cash loan payday quick northern va daily experience credit reporting bureaus phone numbers how to start a credit repair business in nc canada free credit check for landlords compare 10 best credit repair companies 2013 westpac credit card cash advance rate a credit card numbers that works in 2012 instant online cash loans no credit check repairing repairing your credit for dummies loans with no credit check nz tcr total credit repair in savannah ga credit repair first community credit union best credit agency uk 100%free equifax free credit report online canada bank credit ratings for businesses credit rating check online free best credit cards for rebuilding credit canada my my free credit report scam guaranteed credit repair service when do credit card companies report to the credit bureau piedmont advantage credit union charlotte free experian credit report request mail credit repair academy of experts uk dallas the credit repair store true equifax free credit report contact number how can i get a credit check my credit report for free online is 650 a good credit score for renting an apartment us credit reports.info free credit do banks report business accounts to irs how long does it take to repair credit history midland credit collections complaints credit repair cpr classes in houston tx how to find out how to check your credit score free credit report toy collections drop off everest cash advance - fast auto loans inc fast payday loans inc lexington law firm what does credit repair cost advance america cash advance promo codes children s one time credit report check how to obtain ordering credit reports on tenants credit repair criminal lawyers raleigh nc lawyers attorney for credit repair free credit repair forums loans cash in hand definition instant payday loans for unemployed best credit report companies reviews sears credit card review list of credit major credit card companies in canada 3 credit bureaus scores 3 credit reports merchant need cash advance today how to get equifax free credit report usa credit repair obama leads in california credit checks on tenants in ontario credit report best credit repair services in texas veracity ovation credit repair reviews annual free credit report government mandated credit card report canada best way how to repair credit report free capital one capital one reporting to credit bureaus my credit score is 610 12 month loan cash today coles credit repair bbb accredited forbes what are the best credit repair companies no credit loans for students online payday private loan lenders south africa credit repair nclex exam tips blogs does disputing your credit report work california's consumer credit reporting agencies act best credit repair global machinery company australia credit repair internet scam australia imf