Did you know what makes you have a Bad history of your credit profile? Now you must pay attention to all of this : Paying a collection account, PAST DUE ACCOUNTS , Chargeoffs and liens within the past 24 months, late payments, Closing a credit card, check your credit limit(s) and evenly distribute balances they should be equal and make sure you dont get maxedout. Other things that you must pay full atention is keep the old credit cards active, because 15% of your credit score is determined by the age of the credit file. Fair Isaac’s credit scoring software assumes people who have had credit for a longer time are at less risk of defaulting on payments

1. Pertamina (Persero)
2. Karaha Bodas Company LLC
3. Industry Pulp Lestari
4. The National Bank Restructuring Agency
5. Kalimanis Plywood Industries
6. Siemens Indonesia
7. Angkasa Pura II (Persero)
8. Kartika Abadi Bentala
9. Daya Guna Samudera Tbk
10. Vision Direct

11. AsiaPacific Hyaat International-Limited
12. Djarma Aru
13. Televisi Republik Indonesia
14. Likpin LLC
15. Multi Control Indonesia
16. Kereta Api Indonesia (Persero)
17. Bank BNI
18. Indo TH Plantations
19. ING International
20. Surya Dumai Industri Tbk

21. DSM Kaltim Melamine
22. Cosa International Group Limited
23. Bukopin Tbk
24. Pasifik Satelit Nusantara
25. Bukit Makmur Mandiri Utama
26. Bank Global International Tbk
27. DP3KK
28. Gandhi Memorial International School
29. Prime Commercial Facility
30. Perdana Karya Perkasa Tbk

31. Sampoerna Agro Tbk
32. Seaunion Energy (Limau) Ltd.
33. Agoda Rimba Irian
34. Total E & P Indonesia
35th. Avera Pratama
36. Steady Safe Tbk
37. Toyota Tsusho Indonesia
38. Kaltim Prima Coal
39. Djakarta Lloyd Center Office
40. Universal Home Foodwear Indonesia

41. Sumalindo Lestari Jaya Tbk
42. General Food Industries
43. Indosawit Inti Subur
44. Holcim Indonesia Tbk
45. KINANTAN Senaputra
46. Pembangunan Sarana Jaya
47. Planet ELECTRINDO
48. Mobil Exploration Indonesia
49. Textra Amspin
50. Semen Tonasa

51. Kaltim Methanol Industri
52. Manunggal Eka Lestari
53. Perkebunan Nusantara XIV
54. Toyo Denso Indonesia
55. Pertamina Unit Pembekalan
56. Salim Ivomas Pratama
57. Gajah Tunggal Mulia
58. Intimutiara Kimindo
59. Hasil Musi Lestari Plantations
60. Petro Oxo Nusantara

61. Dwi Satya Utama
62. Social Security (center)
63. Wira Insani
64. Metal Variety
65. Catur Eka Perkasa Gatra
66. Plantation (Persero)
67. Pakerin
68. Central Proteinaprima Tbk
69. Daesung Eltec Indonesia
70. Merpati Nusantara Airlines

71. Madya Semarang
72. Hyundai Motor Indonesia
73. Aspiration Luhur
74. Istaka Works
75. Dongfang Electric Corporation Indonesia Project
76. Horizon Mega Indah
77. Space Gate
78. Sun Hope Investment
79. Texmaco Taman Synthetics
80. Singgar Honor

81. Pulau Sambu
82. Il Jin Sun Garment
83. Between LKBN
84. Tjiwi Paper Chemicals Factory
85. Astina Son
86. Pindo Deli Pulp And Papermills
87. Sragen Abadi Textile Industry
88. Parna Kaltim Industrial
89. Korina Semarang
90. Three Waves

91. Tower Three Diesel
92. Valu Trada Indonesia
93. Asrigita Facility
94. Ivo Mas Tunggal
95. Sinar Kencana Inti Perkasa
96. Eka Mandiri Mandiri
97. Deutsche Bank AG
98. Wirakarya Sakti
99. Gunung Bayan Pratamacoal
100. Garuda Indonesia

Germany, the famous disciplined fiscal stability, will suffer an increase in public debt from 78 per cent of GDP this year. While the French public debt reached 75.8 percent of GDP in the third quarter-2008. Greek public debt will reach 120 percent of GDP in 2010. (Kompas, January 4, 2010).

In the Asian zone. Japan reported debt would reach 53.5 trillion yen, equivalent to 597 billion U.S. dollars, for the fiscal year 1 April 2009-31 March 2010. This new record in the history of the country’s debt.

Japanese Finance Minister Hirohisa Fuji in Tokyo, December 8, 2009, has hinted the Japanese budget situation will face serious problems (Kompas, December 9, 2009).

Indonesia has had government debt ratios of 89 percent of GDP in 2000, while total liabilities reached USD 1234.28 trillion. In October 2009, the ratio of government debt fell to as low as 30 percent of GDP, but the nominal debt increased to $ 1602.19 billion.

Why do governments around the world tend to be indebted to finance budget country?

One of the basic platform that can explain this is the preposition that expressed two Nobel Economics Prize recipient, Franco Modigliani and Merton Miller. Both are popular with the formulation prepositions M & M I and II.

Modigliani and Miller mengasosiakan preposisinya in business institutions. We have shown a tendency directed the state’s financial management such as financial management firms. This is because the financial management of companies judged more efficient, transparent, and effective.

Preposition M & M I stated, the value of an institution does not depend on the structure of capital, whether debt or increase the capital injection from its shareholders. A company that decides to finance its business by 70 percent debt and 30 percent of the company’s capital injection is the same value, although the composition is reversed, 30 percent debt and 70 percent of shareholder capital.

In the realm of state finances, shareholders are the people. The contribution of the people as a shareholder done through tax payments. The greater the tax paid, the lower the dependence of these countries from debt.

European zone facing a difficult situation because of their debt burden increase, while the lower tax payments because people depressed global financial crisis that hit since the end of 2008.

Ironically, the debt is taken in large numbers in 2009 are used to restrain the impact of worsening of the crisis, in the form of fiscal stimulus. However, the fiscal stimulus was not able to sustain significant economic recovery.

Then, in which the position of Indonesia in 2010? Government bond issuance target Rp 175.6 trillion. This is much higher than the total government bonds issued in 2009, ie Rp 144 trillion.

Judging from the ratio of debt to GDP will be no decrease it. Nominal GDP in 2009, in the position of USD 5401.6 trillion, while GDP in 2010 to $ 5981.37 billion.

With the increasing debt value, debt to GDP ratio is expected to fall from 30 percent in 2009 to be lower in 2010. This means, of funds derived from debt will be less in sustaining economic growth and operations of government.

But, back to the prepositions M & M I, shareholders do like the choice of debt because it would raise income per share owned. However, they also must be ready with another situation, namely a secondary party.

This is because any profits received by the company must first be used to pay obligations to bondholders or creditors, just next to shareholder dividends.

Thus, the more debt the government would take greater state revenues used to pay interest and principal debt. The rest had other needs, including building infrastructure, social welfare, and so on.

Second preposition

On Preposition M & M II, Modigliani-Miller warned of the risk for companies that continually push new debt. The greater the debt is taken, the higher the cost will be paid if deemed defaulted.

Shareholders are not satisfied if some of its earnings eroded by the number of debt to be paid. This means, the government needs to take into account the cost of bond issuance and withdrawal of debt that will appear along with the withdrawal of new debt.

In 2009, the Ministry of Finance noted the cost savings bonds and the issuance of debt of about Rp 15 trillion.

However, the total cost of bond issuance and withdrawal of the debt was Rp 95.49 trillion. This is relatively high because almost equivalent to nine times the budget of commodity price stabilization programs that only Rp 10 trillion. Budget represents the cost of infrastructure in 2010, ie Rp 93.35 trillion.

Finance Minister Sri Mulyani Indrawati has said, every penny of the debt should be obtained for investment. With the investment, every penny can provide greater benefits from an initial capital.

However, it seems that the Indonesian people still need to be patient because the ratio of debt to GDP is still about 30 percent. It takes extra efforts to boost tax revenue to be the only source of replacement debt.

So the press release published by Fitch Ratings Singapore and received Kompas, Monday (25/1/2010).

Improvement ratings are important to Indonesia because it will affect the decrease in debt issuance costs. That means, the same issue will positively affect the largest bond issuers in Indonesia, namely the government, because the costs of issuance of securities (SBN) in the form of coupon yield and the more lightly.

Ranking is raised to the level of BB plus for the global debt securities (issued in foreign currency) and the rupiah-denominated. The increase indicates that the ratings of the chances of default on bonds from Indonesia was in a stable position.

This ranking reflects that Indonesia had begun to recover from the pressure of global financial crisis is very severe in the year 2008-2009. It is supported by continuous improvement in public financial management in Indonesia. Thus said Ngiam Ai Ling as Director of Team Pemeringkat.

To get the answer first you should notice that Credit repair company is different things with credit counselling, credit repair company like ovation law they will try to improve your credit by asking for the verification of negative information on your credit report. We actually should check our credit reports annually to make sure there is no error that could bringing our credit score down, yes we can do this all by ourself, but surelly if you take professionals services usually get better results.

if using credit repair company services, Our case will be reviewing by a staff attorney with a complete understanding of legal rights under all applicable Federal statutes. They have experience in handling and negotiating  to help us clear the bad report and  fix credit rating. The process should be with writing a a credit dispute letter for the first two accounts to each credit bureau that is reporting negative information on our account. Once your letter is received the bureaus under Federal Law must investigate this information with the original lender. If the original lender does not or will not provide proof of the information then the bureaus must remove the item. Once the negative item is removed from your report your scores should increase and your credit should be fixed a little bit.So basically the process of seperate the bad report and sending letter to the beurau, that will handle by credit repair company.

Per 30 September 2009, for example, the number of loans that have been disbursed for a motor vehicle loans Rp 7.5 trillion, an increase of 25 percent compared to the same position the previous year. This amount contributed 33 percent of the total credits Retail Bank Niaga.

Thus disclosed Business Banking Director, CIMB Niaga Handoyo signing Soebali dealer financing cooperation with PT Mazda Motor Indonesia (MMI) Monday (1/2/2010). In the cooperation, CIMB Niaga helping working capital needs of Mazda dealers in the purchase of vehicles from the MMI as Sole Agent Brand Holder (ATPM).

For MMI, this funding helps dealers mazda to stay focused on increasing population and vehicle sales to provide certainty of payment to MMI. As for CIMB Niaga, this cooperation is expected to increase the loan portfolio to the automotive sector and strengthen its position in the automotive value chain.

“We are optimistic that vehicle sales in 2010 better than 2009. Belief is supported by several factors, such as Indonesia’s economy improved and increased purchasing power,” said Handoyo Soebali. According to him, similar k erjasama will continue to be developed with other ATPM in Indonesia.

In the meantime, Yoshiya Horigome, President of MMI said, Indonesia’s automotive industry remains one of the potential and strong in facing the challenges the automotive market compared to other Southeast Asian countries.

Executive Director of the International NGO Forum on Indonesian Development (Infid) K Donatus Marut, Sunday (31/1/2010), says that it needs to be done to reduce the burden on the state debt payments should not have to be paid.

He said, there are three Ketegori debt that can be included in the sense of illegitimate debt. Each is a corrupted debt, debt that does not meet the requirements of development in Indonesia, and debt for the procurement of goods secondhand diketegorikan as waste in developed countries.

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Efforts are made to reduce the national debt level that could disrupt European stability and growth to the front.

As reported by the AFP, Sunday (3/1/2010), rising budget deficits, low growth and support the banking sector is a significant trigger factor.

“(The average in the European region have) public debt could reach 84 percent of GDP (gross domestic product) in 2010, up from 18 percent points from 2007,” said one official. Or even far above the treaty limit of 60 percent.

Ranking government debt has been downgraded in Greece by three major international institutions, including some neighboring countries of Ireland and Spain.

Agency, The Fitch has urged all governments to reduce debt levels, especially the British, who are not members of the “euro zone”, along with France and Spain.

Germany, long regarded as a trigger in the euro zone that has the discipline of their fiscal policies, public debt estimated at approximately 78 percent of GDP this year. While in France, which is the second largest country in the eurozone economy, has a public debt to a record 75.8 percent in the third quarter of 2009.

Greece said predicted state debt in the eurozone jumped to 120 percent of output in 2010.

With rising unemployment and weak economic growth is expected in 2010, officials can not rely on increasing tax revenues for much help in paying the debt, much foreign debt.

“The economic crisis is weighing on the sustainability of public finances and growth potential,” said the commission had warned the European Union as an economist is still open the possibility of “double dip” recession this year.