Aubrey Clark
In 1987, Directly out of college (Johnson & Wales University) , Aubrey began his career in retail working for Rex Tv in Chattanooga, Tennessee as a general manager and a store financial planner. Under his tenure, his medium sized store climbed from 180th in the nation in sales and volume to number 4 in a chain of over 200 stores. Aubrey's unique use of credit sourcing and finance management was attributed to his success.
Aubrey joined GM in 1990 when they began manufacturing Saturn automobiles. He originally began as salesmen but quickly evolved into finance management. During his career in the automobile business, Aubrey handled finance management for GM, Toyota, BMW and Mazda. In 1999 he left the car industry and joined the growing mortgage industry.
In 1999, Aubrey went to work for First Atlantic Mortgage as a Loan Officer and eventually a branch manager. At First Atlantic, he was responsible for increasing closings and profitability surpassing company records set by the largest branch office located in Atlanta Georgia. On the heels of his success, Aubrey landed a exclusive contract with one of Atlanta's largest homebuilder, Eric Chafin Homes.
In 2004 Aubrey left First Atlantic and his new found business to Opteum Financial service, a direct lender better suited for the volume of business he was now generating. At the same time, Aubrey launched a new start up online business, LendFast.com. Lend Fast was originally created as an avenue to help his credit challenged clients repair their credit in order to qualify for better mortgage rates and terms.
Lendfast.com rapidly grew to be more than a website designed to benefit his local clients. His credit repair tutorials, mortgage advice tutorials and credit card tutorials on Lendfast.com gained national attention from major media outlets such as the San Francisco Chronicle, the LA Chronicle and other reputable media sources. In 2007 Aubrey resigned from the mortgage business in order to focus on his rapidly growing online ventures.
In 2007 Aubrey created Aunica Media LLC, a media company comprised of dozens of company owned websites that focus on financially related matters with the specific goal to help consumers get better deals. Aubrey Clark is an Author and editor for Direct Banc as well, a directory of low interest rate cards, specializing in credit cards for fair credit. Aubrey is a native of Destin, Florida but now lives in Atlanta Georgia with his wife and four children.
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Articles by Aubrey Clark
September 08, 2009
Almost every sport known to man has been watered down one way or the other by "well meaning" bleeding hearts who are looking out for other people's interest.
August 02, 2009
Attention forty somethings. The Green Day of today isn't the Green Day of Yesterday. Am I just too old, or did America's values change?
March 06, 2009
If your trying to avoid bankruptcy you need to make sure you know the facts. Shucksters and rip-off artists are promising the world and delivering nothing except more financial problems. Learn how not to be a statistic.
February 25, 2009
Here we go again. Open up your wallets and say Ahhhh. The government is taking your money and channeling it to the same corrupt politicians and inept mortgage companies. There is a better way, but who's listing?
February 13, 2009
Once you learn the trick on how to use secured credit cards after bankruptcy to repair your credit credit. your credit score will skyrocket! Keep in mind, this isn't a miracle cure for bad credit, but it is a sure fired way to repair your credit after bankruptcy.
January 28, 2009
Secured prepaid credit cards are the best way to rebuild your credit in today's economic times. Since bankruptcy has almost become common place, rebuilding and re-establishing credit will be a priority for millions of Americans and right credit cards is crucial.
January 28, 2009
Secured credit cards for students are the best way for students to build credit in today's economic times. Since credit card default has almost become common place among college students, establishing credit with secured credit cards makes the most sense today.
January 19, 2009
Aubrey Clark is an Author and editor for Direct Banc, a Low Interest Secured Credit Card directory. Aubrey is a financial expert who has spent over twenty years working and training in financial markets. His current project is a prepaid secured credit card tutorial for people who are rebuilding their credit.
January 19, 2009
I f you need to establish or rebuild credit there has never been a better time! Secured credit card interest rates and fees have dropped dramatically due to the recent credit market. You can get fixed rates in the 9's with deposits as low as $300.
January 19, 2009
I f you need to establish or rebuild credit there has never been a better time! Bank secured credit cards have the lowest interest rates and fees since their inception.. You can get fixed rates in the 9's with deposits as low as $300.
November 18, 2008
Thinking about opening a bank account in Canada as an American Resident? There are many options for opening a bank account in Canada. It is always advisable to ask for help to explore many things. Every bank has different processing fees.
November 18, 2008
While looking for a best bank to open a non-resident bank account in Canada, you will be surrounded with too many options. On the other hand, it is wise to take suggestions from other people, who hold accounts in the bank, wherein you decide to open an account in Canada.
November 06, 2008
5 Tips for transferring your credit card balance. Transferring balances from credit card to credit card to save money on interest and payments can be costing you more than you think. Before plopping your balance on another credit you need to make sure your doing the right thing.
October 17, 2008
Are you a crazy football fan? I mean a foaming at the mouth throwing the remote crazy football fan? Take this simple test to find out!
October 16, 2008
Thinking about applying for a credit card? Make sure you get the very best credit card you deserve. Many people misjudge their credit level and apply for cards that have higher interest rates than the cards they can actually qualify for.
October 14, 2008
Almost all of us own credit cards, but almost all of us hate the credit card companies at the same time. How can this be? Are we all stupid, or are we all feeling the consequences of a one night stand with the devil? If so, it would appear that we have a "stage 5 clinger" on our hands
October 13, 2008
In the midst of an entire financial market melt-down Congress is hard at work on a credit card holder's bill of rights. The questions are: will this stop credit card companies from jacking up my interest rates for no reason? And will the credit card holder's bill of rights help me get better interest rates on my current credit cards?
October 03, 2008
To put it bluntly, the "buyout/Bailout" is basically methadone for America´s credit habit. We are getting ready to be weaned off our dependence on credit and get back to saving money...
September 29, 2008
Democrats and Republicans cant even get it right on the eve of America's largest catastrophe. When will we finally make our public servants responsible for their performance, or lack there of?
September 25, 2008
What really caused the mortgage crisis? If you listen to the analyst on TV or the politicians, it would appear that it's the small lenders and brokers who are to blame. It's not that easy, the next time you hear an "expert" on TV, (who probably can´t spell m-o-r-t-g-a-g-e), blaming the small brokers and lenders for the mortgage mess, just remember this chain of events:
September 26, 2008
Cosigning a loan can be a risky thing to do, however, if your a parent it's almost unavoidable. There are a few things that you can do for your child that will begin building credit for them that may help you avoid having to cosign.
September 22, 2008
Have gas prices put the brakes on the family vacation?Your next vacation could cost you a lot less by using a credit card with airmiles. By managing your airline credit card correctly you can possibly fly for free!
September 18, 2008
If you are planning to get an airmiles credit card to help with the rising airline tickets you should take a few minutes to plan. There are two different classes of airline rewards credit cards, choosing the wrong one can rob you of your benefits or even cost you money.
September 15, 2008
How to negotiate prices and win. Leaving the dealership in a new car or moving into your first home is one of the best feelings you can have. However, moving into a new home, or driving off in that new car and knowing that you got the best deal available is priceless!
August 25, 2008
Before you transfer your credit card balance you need to make sure your not making a mistake. These are the 5 most overlooked points that need to be considered before you make a transfer that could cost you 100's of dollars.
August 19, 2008
Using a credit card to re-establish and rebuild your credit is a great idea. Finding the right credit card and using it in the best way to help your credit isn't so easy. Most people make costly mistakes when trying to repair their credit using credit cards, this guide should help you to not make those mistakes.
August 11, 2008
Mortgage brokers can save people money and get them approved when the larger banks can't. Most people only see the mortgage brokers that get arrested on the TV or in the newspaper. Did you know that 99% of all brokers are fair and honest and can give you better service than the larger banks can?
August 06, 2008
Is the Credit Cardholder's Bill of Rights Good for You? Many credit card holders will have their interest rates skyrocketed and their credit scores lowered as soon as this bill passes. People with good credit will have to pay higher interest rates to pay for everyone else's late fees!
August 05, 2008
Can mortgage fraud happen to you? Absolutely, in today's tightened market small companies and brokers are scrambling to scratch out a living. Unfortunately, this has forced some of the less reputable mortgage companies to the top. Here are 3 ways to make sure your not a mortgage fraud victim.
July 29, 2008
If your credit scores are dropping because of all the negative factors in today's economy you should check out these 5 credit bureau repair tips. They will help you to raise your credit scores while keeping the collection agencies off your back.
July 28, 2008
Are you getting "sucker-punched" by the credit card companies? Double cycle billing is a way some credit card companies use to charge some customers twice the interest and rob their grace period.
July 25, 2008
Have you ever wondered about the credit cards you see with the unbelieveable low rates? Knowing how the issuers come up with those rates will help you you get your best deal when you go to apply for a new card.
July 21, 2008
Need a payday loan? Are you afraid of what you have heard about them? Think about this, if the transmission in your car dropped out? Most people are surprised what they find when they look into using their services.
July 18, 2008
Credit cards for kids are all over, which ones are the best? Have you seen some of the fees on these cards? Ouch! However, some are pretty good you just need which ones are the best for you and cost the least to have
July 16, 2008
Having Average credit usually means that you have to get a "below average" credit card. Great deals on average credit cards are out there if you know the right place to look and the right cards to look at. Direct Banc is an easy to use website that specializes in average credit cards for average people.
July 14, 2008
Many people are bullied and pushed around by unscrupulous credit collection agencies every day just because they do not know their rights. The Fair Debt Collection Practices Act was designed to help protect consumers from being unfairly pushed around by these companies. The Act is designed to favor the consumer not the credit collector ....
June 25, 2008
What does that 0% interest rate credit card really cost you? Since credit cards hit scene they have had hidden fees that costs consumers billions each year. The U.S. Senate is going after these banks with a vengeance with a bill called the Credit Card Fair Fee Act.
June 24, 2008
In the wake of the current gas crisis many credit card holders are trading in their regular credit cards for cards that offer gas rewards. Before you make the leap you should consider a few of the common misconceptions most people have about gas reward credit cards.
June 23, 2008
The mortgage crisis has been troubling America for nearly two years while our representatives in Washington have done nothing. Its time the truth is told about why we cannot solve the mortgage crisis now or in the for foreseeable future.
June 18, 2008
Many people apply for credit cards with higher rates and ugly terms everyday because they do not believe they can qualify for a better credit card. America's credit profile is changing, and so are the credit cards. Credit cards for fair credit are are approving more and more people with rates as low as 8.75%, these are the most popular.
June 16, 2008
Are the best mortgage deals really gone for people with a few dings on their credit? If you take a few minutes to prepare for your next mortgage and pick the right lender for the job you can sill get a great deal on your next mortgage.
June 13, 2008
Are FHA closing costs higher than conventional mortgages? What about the mortgage insurance? Find out the truth about the closing costs for FHA mortgages and the tricks to watch out for.
June 12, 2008
Most Americans are charged unnecessary closing costs every day when they close their mortgage. Following these couple of tips will save you time and money on your next mortgage.
June 12, 2008
Do you have fair to average credit? Most people think that their "fair" credit will stop them from getting one of the "good" credit cards on the market today. This is simply not true! Before you apply for any old credit card take a look at these cards.
June 06, 2008
Buying a new home in today's market isn't easy for seasoned professionals much less for first time buyers. These negotiating tips for new home purchases from industry professionals should level the playing field for those with little or no experience making home purchases.
May 28, 2008
Most laws that affect consumers are decided by our legislative branch to ensure that all people are represented. Not so when it comes to the two largest mortgage agencies in America. Regulations that will affect every mortgage company in America go into effect January of 2009, and the decision was made behind closed doors!
May 21, 2008
As mortgage companies struggle to keep their heads above water credit card companies are reaping the benefits. The once mighty home equity line of credit that came to the recue of over the limit credit card holders is almost non-existant. Only those with perfect credit and a lot of equity in their homes can still get one of these loans now. People are turning to balance transfer cards in droves in an effort to reduce their credit card payments and rates. Here are a few tips.
May 21, 2008
Trasfer credit cards can save you a lot of money if you already have credit cards with adjusting interest rates. However, applying to a credit card under certain conditions amy hurt your situation more than it helps. The number one question I get asked by visitors is "will using 0% balance transfer credit cards lower my credit score?". You can find the answers here...
May 22, 2008
Finding the real facts about the mortgage crisis is unlikely to happen watching the nightly news. According to the "big three" George Bush single handedly orchestrated the whole thing to get rich and all of the Republicans helped. Check this out for some REAL facts that you may not have heard about...
May 19, 2008
The subprime mortgage crisis is affecting all of us economically. However as investors take a deep breath claiming that they see daylight ahead many feel that what they are seeing is only the eye of the storm. The band-aid they have put on this cut is about to fall off.
April 11, 2008
The mortgage crisis looms heavy on families and businesses while the Democrats bloviate and the Republicans play golf. Why can't we just fire all of them and just start over?
April 09, 2008
With all of the bad loans that lenders have made in the past why don't the just fix them. All they need to do is take the people in bad loans and put them into better ones. This shouldn't be this hard!
April 08, 2008
With baby boomers retiring in droves reverse mortgages are certain to fuel the next mortgage refinance boom. If you or someone you know is about to take out a reverse mortgage make sure they are aware of these three pitfalls.
April 08, 2008
How to stop house foreclosure and should you? Many people are looking to refinance into better homes to avoid foreclosure as a result of the current mortgage crisis. Is foreclosure really so bad?
April 04, 2008
Self employed tax deductions have always been the "saving grace" for years of tax hikes aimed at them. What would happen to America's economy if hundreds of thousands of small business owners weren't allowed those deductions anymore?
April 03, 2008
Are you missing that good interest by just a few point on your credit bureau? If you need fast credit report repair you can probably raise your credit score 10 points immediately if you follow these three tips.
April 02, 2008
People all around us are losing their homes and filing for bankruptcy because of greedy of mortgage brokers. These lenders are the root of all financial evil and should be imprisoned until those they have wronged are financially reimbursed. Why hasn't the government rounded them all up and placed them in a cell?
April 01, 2008
How does a free airline ticket sound? If you use airline miles credit cards correctly you can easily get one. Use them wrong though and you might get zilch!
March 31, 2008
Low interest rate credit cards are still in reach for people with fair to average credit. All you have to know is where to look and which cards to apply for.
March 26, 2008
Competing lenders rarely give you the same closing costs and interest rates. So whose lying, whose wrong and whose right? Getting to the truth is actually a lot simpler than you think.
March 25, 2008
In today's real estate market future fortunes are being made by scooping up forclosed homes. While many are getting rich a few new investors are making huge mistakes and paying dearly for them. Here are the top three mistakes.
March 24, 2008
Are mortgage brokers being forced to close by the larger banks on purpose?As smaller brokers and banks dwindle borrowers are seeing less alternatives to have to deal with "Big Brother Bank". What will service and prices be like when we only have 5-10 banks to choose from?
March 17, 2008
Recent trends show people moving to credit cards over home equity lines and refinancing. Competition is tight for credit card issuers are they traveling down the same road as the sub-prime mortgage lenders?
March 18, 2008
Many people rush ing to re-establish credit after having a bankruptcy actuall hurt their credit rather than help it. When rebuilding your credit time is the greatest healer along with a few tips and tricks.
March 13, 2008
Uncle Sam is going to make billions of dollars as a result of the current mortgage crisis. They are raising taxes on 23 million workers and you may never hear about it.
March 04, 2008
Prepaid credit cards are quickly becoming an attractive alternative to traditional credit cards in today's market. With no interest, no fees and direct deposit they are an exact fit for some people.
March 03, 2008
Finding low interest rate credit cards is not the hard part in today's market. Finding the low rates without the "gotchas" attached to them is.
February 27, 2008
A good FICO score opens the gate for programs that people with lower credit scores cant even consider. However you may not always get the best interest rate on your FICO score alone.
February 25, 2008
Are Universal Prepaid Debit Cards Good for Our Economy? Some believe that they are aiding those working in America illegally. Others believe that they are a necessary part of our society and contribute to lower crime levels and fraud against undocumented workers.
February 26, 2008
Now days a god portion of credit card consumers with fair credit can enjoy credit cards offering 11.9% interest rates, 0% balance transfers and no annual fees. Credit cards for fair credit card holders have certainly come a long way. Of coarse, they come with tricky little features that allow the credit card companies to return to their obnoxious roots if you pay late.
February 22, 2008
US congressman Mark Udall thinks so; he has just presented legislation to the US Senate that out-lines his version of a "Credit Card Bill of Rights". The gist of the bill is to force credit card companies to send notice of a rate increase prior to raising your rates. However, should congressman Udal...
February 21, 2008
The best deals on mortgages are still out there for most people with "less than perfect" credit. Our old friend FHA has been dusted off and has now moved to first place over the traditional mortgage champs, Fannie Mae and Freddie Mac
November 20, 2007
Mortgage Reform and Anti-predatory Lending Act of 2007 HR 3915
Lendfast.com - Do you have perfect credit and a sizeable down payment for your first home? If so, this article may be of little interest to you. However, if you are like the millions of Americans who do not fit this profile you may want...
November 08, 2007
Anti-Predatory Lending Act Discriminates Against Small Business Owners
Lendfast.com - Small business owners make up one the largest parts of America’s economy. As of the 2004 census more than two and a half million small businesses were operating with less than four employees total. The own...
November 05, 2007
Lendfast.com - Let’s reform the subprime mortgage industry. Seems like a fair enough statement doesn’t it? It is akin with “save the whales”, I mean really, who doesn’t want to save a whale? The problem is that the writer that demands that we save the whales is the same...
November 04, 2007
Lendfast.com – One of the more challenging aspects about working in the mortgage business these days is the inability to help everyone that deserves it. Today’s mortgage market is very unforgiving to those who have stumbled on hard times. One of the questions I am asked by my clients ...
November 02, 2007
Lendfast.com - If you turn on your TV for any amount of time you will probably hear the familiar commercial from Lending Tree telling you “that when banks compete, you win. Millions of people each year flock to this mortgage giant in hopes of finding the “Holy Grail” of interest...
October 31, 2007
Lendfast.com - As a loan originator working with clients everyday I am often asked, “what’s your best rate” about 30 seconds into every conversation. So I thought I would take a little time and answer this ever-eluding question.
Around 1934 the government established the Federal ...
October 30, 2007
LendFast.com - Lets assume for a minute that you had an extra million dollars lying around the house. Lets also assume that you have decided to loan this money out to people and businesses in hopes of a greater return than traditional investments yield. We lease a storefront, open our doors and...
October 29, 2007
Over the last decade buying a home without a down payment was synonymous to fogging a mirror, financially speaking. If borrowers could prove that they had a job and weren’t in a witness protection program lenders would probably loan them the money to buy a house. Why not, after all houses were appre...
October 27, 2007
Most people know by now that the mortgage industry is in a bit of trouble from the amount of sub-prime loans it issued over the last decade. However, I have noticed that most of the people I speak with about this subject do not really understand the impact that “subprime melt-down” has on the entire...
October 26, 2007
Lendfast.com - Few people realize that the sole purpose of the Federal Housing Authority (FHA), when it was initially created in 1934, is to insure lenders and to promote home sales. Before FHA, first time home buyers would have to live with Mom and Dad until they saved up a 20% down payment on thei...
May 31, 2007
Credit cards and credit scores are a delicate recipe; too much or too little of the ingredients could spoil the dish. Having worked in the mortgage industry for years I have seen almost every credit score and scenario imaginable and credit cards play a large role determining the scores. On one h...
May 30, 2007
Let’s face it, a lot of card companies are gluttonous and have unpredictable business practices and we still buy their products. Each year they find ways to change the rules, charge more fees and raise our rates, and each and every year they post record sales. Why would anyone in their right mind bu...
May 30, 2007
Choosing the best low interest credit card may seem pretty easy; just pick the card with the lowest rate, right? Believe it or not, the lowest rate may not be the best deal. The best indicator to getting your best deal is to accurately gauge your future-spending pattern. The editors at Direct Banc h...