Credit scores free Salt Lake City

"Their first food order -- dough, sauce and cheese -- we give them for free," says David Scrivano, president of the pizza franchiser.

A few other franchisers offer internal financing to the general population. One is Dwyer Group, which franchises a half-dozen home-and-auto service concepts including Mr. The Waco, Texas, company will finance up to 70% of the typical initial $42,000 fee.

The interest rate -- currently at 9% to 12% -- is based on the franchisee's credit score.

Rates "may seem high," says Robert Tunmire, Dwyer's executive vice president, "but they're not credit scores free Salt Lake City putting their homes up as collateral or anything like that." Dwyer also gives a 10% discount to franchisees who pay cash.

Some would-be franchisees are foregoing loans and tapping their 401(k) retirement funds for financing. It credit scores free Salt Lake City works this way: The franchisee sets credit scores free Salt Lake City up a C corporation that will own and operate his or her business. He or she then rolls over money from credit scores free Salt Lake City a 401(k) into that corporation's profit-sharing plan. find credit report The individual then directs that those funds be invested into the franchised business. While such maneuvers may be an attractive alternative to conventional financing, they "should be a carefully investigated decision," says Leonard Fischer, chief executive of BeneTrends Inc., North Wales, Pa., a small-business finance adviser specializing in tapping 401(k)s.

One potential downside: Should the franchise fail, the 401(k) money can be wiped out. Also, financial experts suggest checking with a professional on possible tax implications.

Equifax, Inc. (NYSE: EFX - News) is finding new avenues for growth in the international, personal and commercial solution businesses, while its U.S. mass free credit report consumer credit scores free Salt Lake City information solution business is also showing signs of improvement. The company's growing reliance on subscription credit scores free Salt Lake City income provides a steady revenue stream, and the TALX acquisition is accretive to its earnings. Based on the company's year-to-date performance, current market trends and management's expectations -- as well as a weak U.S. economic environment -- Equifax expects consolidated annual revenue growth to be in the range of 9% to 12% for full-year 2008. Management expects adjusted EPS in the range of $2.48 to $2.58. However, continued weakness credit scores free Salt Lake City in mortgage activity has resulted in a 7.8% decline in mortgage-related revenues in 2007. Shares of Equifax are currently trading at a P/E multiple of 13.7x our 2008 EPS estimate of $2.54. Though the acquisition of TALX Corporation is expected to expand margins, this credit scores free Salt Lake City will come with increased execution risk. free credit report laws We believe that the stock will perform in line with the broader equity market over the near-term.

Over the last six years, EFX has traded in a range of 14x to 20x forward earnings. Given the challenging market for equities, we continue to expect that the stock will trade at the low-end of this range. Thus, we maintain a Hold recommendation on EFX shares with a six-month target price of $36.50 given its sensitivity to the credit market. Our new target price of $36.50 represents a multiple of 14.4x our 2008 EPS estimate, a discount to the industry mean and S&P 500.