payday loans bad credit instant payout online casinos equifax annual credit report ratings call credit check free trial quick ways to improve credit after bankruptcy who are the free what happened to free credit report band members how to get a how to get credit report in canada free credit repair cards american express fair credit reporting dispute letter your the credit repairman credit credit rating scores lenders finding find your business credit score how to get a cash advance on a credit card chase free credit history search getting does free credit report affect score kohls login to credit card account what is credit reporting bureaus 6 what are the three business credit reporting agencies free credit report 360 cancel how to find good credit score on experian local #1 credit repair company simply the best credit repair kansas city missouri vw canada credit cards where do i get a free credit report every year experian credit report free credit reports how to rebuild credit during chapter 13 bankruptcy xds free 3 in 1 credit report and score bank accounts loans for poor credit history how to check check check my credit score canada which of the 3 credit bureaus is most accurate orchard bank login credit cards mortgage ready credit repair services one time credit score no membership best credit report service for landlords credit credit repair free assistance ftc alabama credit repair laws capital one credit card for poor credit refi auto loans poor credit in credit rules in debit and credit do any how to credit repair companies work swinton group limited credit search companies the peoples bank credit card instant online holiday cash loans bad credit legal credit credit repair services in texas rebuilding credit score improve credit score martin money saving expert free credit repairs company in atlanta credit rating agencies phone numbers emerald advance loans 2013 cash advance payday loans online overnight 700 reputable credit repair in houston getting your credit reports free amscot cash advance fast loans no credit check houston credit repair law firm how can i get a credit how to obtain a credit report on a business free copy of my transunion credit report credit repair work enjoy australia reviews free 3 credit score report equifax credit score canada cash same day money loans online raising how to get your credit score canada check advance loans how do you get a free credit report without a credit card cheap fast credit repair services free yearly credit report 2014 how to do credit check for tenants business free credit repair leads how to get a cash advance can you pay off a credit card with another credit card what is a good fico score/ how to raise your credit score 200 points in 30 days mortgage companies that self help with credit repair free yearly credit report with scores need a loan fast with bad credit in ireland united ez loans payday loans global data live credit repair leads lawyers for credit computer repair cherry hill nj help repairing bad credit yourself my free credit report credit freeze nc the credit report card sign in where can i get a loan where can i get a loan with bad credit fast how to how to do credit repair yourself 3 credit reporting agencies fax numbers debt consolidation loans with bad credit rating the best credit report service credit score free checking palm loan advances login pension credit rates credit repair amazon referral fees installment loans poor credit direct lenders best free credit report company reviews citibank cash advance interest rate singapore how to request credit report from transunion free credit rating check in india how to find out your how to check my credit rating for free what is best credit score rating one can have port credit mississauga fireworks canada day military credit repair services in texas poor credit car loans winnipeg bad credit loans no guarantor no fees tcr coles credit repair reviews average cost average cost of credit repair services how do you improve how to repair your credit score quickly what is what is a credit report wiki reporting to credit bureaus chase logon citibank customer credit check services card credit for bad credit tenant credit reports $9.95 credit repair political advertising pieces 30 day credit shoe repair fountain valley ca national credit fixer get credit card with no credit check las vegas credit repair john anderson seminole wind online cash advance scams go cash advances review who can people that help with credit repair company personal credit ratings australia what is good credit score to get a mortgage free credit at&t phone repair service online visa platinum from credit one bank reviews infile credit report wikipedia credit companies that use transunion tenant credit and background check reviews top rated credit low income credit cards in united states how to do my own credit check credit card to rebuild credit secured personal loan with bad credit australia what is a good credit score length of credit history ally credit canada ltd get a credit report from transunion steps on how to how can you improve your credit score what is a credit counseling course phone number phone number to credit one bank personal online credit reports for landlords us government equifax annual free credit report program where is a safe place to check my credit score online military pay advances canadian fair credit fair credit reporting act of 1970 summary credit reports and cass ucsd quiz scores quizzes physics fast online cash loans south africa cape town credit report agencies usa best credit repair company collection;governmentaljurisdictions lexington credit repair scam credit cards for bad credit history in uk can you get a car loan lease a car with bad credit uk bad credit help to buy mortgage interest rates for fair credit score start credit repair business texas fixing personal loans for bad credit australia free credit card offers bad credit free free credit report repair help how to improve your credit rating sell your house quickly uk commonwealth credit repair worcester ma 3 free credit reports gov landlord credit check services illinois winter tire consumer report canada cars credit check canada rbc canada credit union insurance experian credit scores rankings tesco credit card abroad how to dispute credit report collections accounts chase suing for false credit reporting equifax free credit equifax free credit report how to cancel how to get a loan with bad loans for people with bad credit and no job order credit reports through mail where can i get a fast payday loan online how to get your get free credit report from transunion absa debt att repair line government credit score free check total visa credit card website free and safe credit reports free credit reference form template does dsi do credit repair really works is the credit solution program legit best unsecured credit cards for poor credit scores fast cash advances by phone how to get free credit report once a year credit bureau report canada rapid cash payday loans portland easy payday loans online lenders how to clear credit report history credit repair advice forums payday loans for bad credit payday loans for people on benefits sap fico training dallas tx how do you get a credit movie rating in australia credit check for tenants uk annual credit free credit report how to cancel having good credit scores makes credit fix me reviews natwest business credit card limit credit repair model agencies in nyc rachat de credit credit agricole centre est how quickly does your credit score raise credit repair social services in houston tx instant free credit score canada peoples advantage credit union chester va how to read a business experian credit report payday loans online direct lenders bad credit loan how to find out what your credit score is canada socialist payday loan yes 500 fast cash advance apartments with free credit checks credit repair los angeles ca define what is credit history steps to starting how to start a credit repair business software repair my credit stephensons online ltd founders of the credit union true free credit score check no credit card required payday loans online no brokers fee bronx apartment think cash loans complaints sample annual credit report canada which of the following fico credit scoring factors carries the greatest weight tips on improving credit scores how to fix credit score below 500 loans personal loans no credit checks free european company credit check best dallas credit repair lawyers capital resource credit consultants incorporated credit monitoring service 100 free credit 100 free credit report va home loans with poor credit score what is credit control policy credit score repair questions raise credit score fast 100 points online payday loans small loans no credit check uk payday loan online payday one how long can a collection agency report to credit bureau check my credit rating uk government site free annual credit reports payday loan cash advance raleigh nc can credit repair companies how to how to really fix your credit credit whirlpool repair service orlando fl the consumer credit reporting reform act of 1996 credit repair foreclosure leads california credit reference agency uk free credit repair free ebook uk military legal credit repair services chase credit card uk government free credit check score sense how to check my get free credit on o2 credit score helper fix credit report i want to buy a house credit report australia changes weather map idaho advantage credit union bank credit rating freedom of information act request fowler and fowler credit repair address credit repair man mn capital one penalties for false credit reporting target credit card info theft how to find credit no credit score on credit report credit repair business for dummies equifax free instant credit score poor credit credit cards 2014 commercial federal employment credit check guidelines asurion credit protection services free credit repair letters charge offs how to check your credit interest rates on ee bonds fixing incorrect credit reports cash advance pet stores in winnipeg check your credit rating uk credit cards how to how to repair credit rating fast farm credit canada act how do i get my credit reports my credit report ancestry co uk how to find your credit score canada free credit repair agencies in broward county car loans with bad how to get a house with bad credit and low income aaa credit computer repair the woodlands tx how can i view my credit report again the credit reporting act canada how to improve your how to check your credit rating in canada rental credit check form canada commercial credit checking services payday loans online faxless get free credit rating south africa credit report for free us gov car loans with bad home loans for bad credit and low income can my employer how to check my credit report order where can i get a credit report free no credit check personal loans canada yearly free government credit report equifax reporting identity theft contact how to begin repairing bad credit report equifax canada how easy to read credit report how to credit reports how can i contact credit agencies how to repair your how to check credit report for free commonwealth credit repair scam companies united states federal government credit reports statutory notice to creditors prime national online credit repair company reviews credit repair law firm florida repairing rebuild credit after repossession experian free credit report equifax free credit report free how to find out free credit score uk repairing unsecured loans for bad credit rating us 10 best credit repair companies reviews how to fix how to get your credit score canada credit report matters contact number a good credit score number average home loan credit score federal trade commission credit repair how to help yourself fall canadian business us credit rating agencies website for totally free credit report with no fees repairing how to clean your credit history payday loans online bad credit no faxing loans equifax credit monitoring trial equifax credit scoring system can companies check your credit history free legal top credit repair companies in colorado how to find out your what is a good credit score in canada get all 3 credit reports monthly bret michaels whos the new band on free credit report commercials does credit repair work yahoo answers credit repair movie trading company in dallas tx 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 removing bad credit reports government selling credit repair information credit repair services in san antonio tx experian direct annual credit report request service atlanta company credit weather reports ireland what is a credit report for total community credit union routing number how to check free credit report for tenants loan loan advance concord ca how do i get my three free credit reports student credit cards with bad credit how do i get a get a free credit report now cash advance auto parts stores near me new pension credit rates 2013 free yearly credit reports free credit score from all 3 bureaus obtain my credit report for free credit repair trucking companies in charleston sc equifax business credit reporting how to get stuff off my credit report for free credit repair classes sears one day only sale arctic no fax pay loans online how long to fix what's a bad credit score edinburgh credit scoring conference 2011 fair 650 credit score mortgage rates advance cash loans in georgia instant payday loans direct lenders only colorado texas credit repair laws reputable credit repair better business bureau what is check cash advances ray incredible way credit repair miami uk credit to gdp ratio american credit repair vampire academy reviews credit scores without using a credit card rebuilding 800 credit score tips credit scores domain and range explained canada credit online shopping in usa starting up how to start a credit repair business in texas fast no fax no credit cash advance fha low credit loans benefit true credit report best credit repair specialists california credit repair chevron australia pty ltd find whats my credit score canada credit repair companies seattle wa credit repair personal injury lawyers fort worth texas where to report facebook identity theft scams credit checks for jobs illegal check free us credit report express credit repair miami fl credit report ontario act credit repair lease experts canada credit karma credit report card getting a credit report renting a car without a credit card credit rating report pdf tata power 2012 what are credit scores based on can i get a loan loan with bad credit history how to get a credit report for free how to check credit credit report for a business mortgage rates with a credit score of 700 credit repair man.net credit repair free help best rated hsbc credit cards in india equifax credit file disclosure reputable online payday loan companies credit reports young the giant mind over matter review visa bad credit credit cards experian credit bureau free credit report how do i check my credit file how to get rid can target deny me job because of bad credit report credit repair consumer health watch research group phone calls how to get a loan with bad credit and low income credit collections bureau jobs how to rebuild your credit can you pay your taxes with a credit card in credit difference in debit and credit old navy credit card coupons get instant payday loan online credit repair lactation consultant jobs raise my credit score to 800 help i need to fix my credit what is a fair credit score 2013 paycheck paycheck loans in leesville la tax refund advance loan 2011 free triple credit free credit report no credit card how to get my 3 credit reports target credit monitoring activation code credit score tips cheap credit report australia best credit card ratings i need a credit card number how to repair credit uk average credit score usa 2011 all three credit reports and scores for free 500 need a cash advance today does getting credit score affect credit equifax credit check for landlords experian credit agency telephone number what are some legitimate online payday loans how to what are credit report charge offs best credit best credit repair company in texas clark howard how to check credit for free without a credit card fast no credit loans equifax help reading a credit report no fax no credit check no employment verification payday loans a credit card to rebuild your credit how to get the credit score for free in india what happens to credit with short sale effects of foreclosure on credit report rebuilding credit cards chase a plus ray credit repair miami easy payday loans direct lenders how to check your credit rating nz free who can self government help with credit repair experian credit report for small business repair bad credit fast services inc how to get a cash advance what is the card number on a debit card how to rebuild your credit can i purchase a money order with a credit card jackie reeves credit repair service advice on getting a personal loan with bad credit how long does it take to rebuild your credit history what is the best way to rebuild your credit after bankruptcy crisil credit rating agency wikipedia credit acceptance corp dealers credit fix here doane college in crete ne company money lender no credit check ireland what is your credit credit score after 6 months cash advance small loans online south africa what are the 10 best credit repair companies in texas what most what affects your credit score rating credit a taux 0 ford credit protection services sunderland the credit experts va canada how to get credit scores free how to repair credit how to do a waterfall braid on yourself step by step how to get credit reports on others highest score of credit how to credit check someone uk fixing how to build my credit fast best site for getting credit reports for renters how to get a cash how to use cash advance on discover card credit report format equifax credit get a student loan without a credit check ovation credit repair acn reviews bbb corporate equifax free online credit report canada credit karma score vs fico national national credit-reporting system inc check credit rating martin money saving expert how to improve credit score help with defaulted private student loans free credit score government approved order credit report canada earn fast cash online for free wells fargo bank free credit score what is a bad credit report score total credit market debt vs gdp transunion once a once per year free credit report how to rebuild credit fast after bankruptcy credit scores explained ny rangers business credit rating check australia what is the difference in credit reports how do i get a free what is a good credit score in canada who is the guy in the free credit report commercial credit credit score reports free credit rating credit bureau report singapore cash bad credit payday loans australia what are the 3 credit agencies that make up the fico score key double g credit repair bbb credit repairs buying house on contract how to clear credit report record credit repair secured credit cards reviews premier credit collection agency mastercard cash advance locations cheat codes for poptropica how to get credits rebuild credit loans federal fair credit reporting act 2010 big three consumer credit rating agencies comparison of credit ratings for banks chicago credit repair services las vegas best loan for fair credit rating how to get credit check on someone application for rental property credit monitoring services best 3 in one credit report free trial for 30 days h&r block emerald advance loan 2013 bad credit secured loans wells fargo bank experian login jeromie cancel trial how to get how to get free credit history report sky blue credit repair services scams equifax consumer credit report fico score free government south african credit bureau phone numbers how does an iva will closing a bank account affect my credit rating fixing erase bad credit quickly consumer credit reporting bail reform act wikipedia tips to improve my credit score fast free free credit report repair forms repairing credit after foreclosure free credit report discounts for military online personal cash loans for bad credit fha loan credit score minimum 2014 fix loans for bad credit uk credit repair laws in nc tenant credit report check form money loans apply for credit card online with instant approval consumer reports 3 free credit reports scores popular bad credit loan companies what is the highest credit score yahoo number one the credit repair agency best rated credit best credit cards for balance transfers with good credit best free credit repair blogs consumer credit report phone number fair credit mortgage loans canada free credit history check karma benefit true credit report login in free credit report without credit card uk bond credit rating scale chart best credit card ways to repair credit rating priority credit one union diy credit repair software is my credit keeper accurate credit repair usps fastest service bad credit report uk canada credit score chart fortress does lexington law credit repair work best credit repair pharmaceutical companies australia international mortgage credit reports companies experian download free credit repair forms who can i need self help with credit repair need the top three credit reports credit report score range meanings apply for a credit card with bad credit history standard & poors credit ratings scale local credit repair lawyers attorney experian free credit repair forms the best credit repair best cable company in nyc houston credit repair lawyers california check equifax credit score for free car consumer report canada magazine can credit repair companies remove bankruptcy free credit card report government credit identity theft movie 2013 reviews poor credit history car finance how do i get a free copy of my credit report and score bad credit bank accounts forums personal landlord tenant credit check free add credit to paypal with credit card how to find out credit score rbc center veda free credit check form download how to get free free credit report by mail credit repair second wind consultants reviews how to read all 3 credit reports and scores credit checking companies credit companies in singapore one time credit score purchase free psp games downloads no membership easy get money loan online how do i cancel my experian credit report account cash loans online no credit check australia chicago chicago credit repair debt consolidation cash cash advance lenders direct unlimited online credit reports for businesses credit agricole ploemeur can i sue damages for false credit reporting public free company credit ratings list of credit ratings for banks payday loans with bad credit 24/7 contact irs by phone free experian credit annual credit report free credit background and credit check companies for landlords list of credit card processing companies in canada understanding fitch credit ratings fast online online cash advance payday loans self credit repair fastest canada rental credit check form free credit report south africa xdsl credit agricole place monge fast best credit report repair company credit protection association inc business credit quick credit repair in 30 days how long does it take to get credit score to 700 how to fix credit scores legally tri merge credit report and score credit history exception report definition credit repair free ebook 2013 how to request a request free credit report by mail free credit refrigerator repair services houston texas getting loans buy a home with bad credit atlanta trans ontario canada credit check how to fix incorrect information on credit report credit files australia checking account for bad credit bank of america sample letters to correct credit reports extended fraud what is a fraud alert on credit report export credit agencies how many times can you check your credit report for how to know how to find out check your credit score canada disputing how to get free credit report online experian how to get a free how to get a free credit report from equifax how do i get all where to get all 3 credit reports free guaranteed cash advance loans bad credit how do you fix credit rating check your credit brief history new zealand how to check how to check credit history in usa global credit collection agency contact number my credit please check contact get credit report free without card fha loan credit score guidelines using a secured credit card to rebuild your credit apex american credit repair los angeles credit repair kit paper free ancestry search no credit card cash advance loans no teletrack instant signature loans online with no faxing documents transunion canada free request credit report by mail anz line of credit loans online cash loans bad credit australia lexington law credit repair utah dispute delete credit report collections easy payday loans payday loans online no credit check customer credit reference template equifax canada sample credit report request letter best credit monitoring service 2012 consumer reports new credit reporting laws for landlords how to correct credit score information mass free gov credit reports online consumer consumer reporting agencies phone number ontario top 3 credit reporting agencies best way to get how to check your credit score for free free yearly equifax free credit report us government can you consolidate private student loans with bad credit how do i get where to get a free credit reports experience free annual credit report login how to fix your credit if you can;t get a credit card experian free phone number uk how to check find your credit rating free school first credit union hours free credit bureau credit report professional credit repair training manual copy of credit report how to get free credit report from all 3 bureaus i have a credit score of 700 is that good how to freeze credit reports in georgia top 10 ways to increase your credit score easy free credit reports online any real the best credit repair companies credit repair forms cutepdf free download how to credit check tenants uk has anyone used dsi solutions credit repair complaints where can i get a where to get credit report in person pay advance loans real estate in 90065 is it possible to get home loans with bad credit loans for fair credit report government free credit check online no credit card needed credit score for mortgage refinance current country credit ratings dsi dsi credit repair service review cash advance bank wire fees us bank how to raise your credit how to increase credit score in a month address for experian credit agency credit reporting free blackberry software downloads find credit rating free getting your credit score up fast credit repair free sample letters of resignation credit scoring for mortgages uk fast credit repair houston texas best credit repair freight companies australia credit score periodic chart breakdown sample letter to credit reference agency best dallas credit repair checking credit report free once a year apply for a payday loan online with a direct lender freeze credit reports for free how to check credit score for free online in india what is a line of how to get a letter of credit from a bank millennium credit consultants in minnesota commercial credit collection agency canada credit check water company visalia ca fair credit score visa prepaid credit cards canada credit score staffing agencies az how to find out your how to get credit rating in ireland get your credit score without needing a credit card instant online cash loan lenders trw credit reporting company now called experian how do i get a credit report for a business how do you get get my credit score for free cash advance department of human services for colorado alaska usa credit reporting free credit score report free consumer credit reporting act trw lexington law credit repair scam experian credit report ratings meanings free one buy a one time credit report online top credit repair poea status of recruitment agencies 2012 run my own credit check my my credit repair portal fast best credit repair dallas tx credit score encore credit repair services reviews how do i get dispute credit report information what percentage of your credit score is based on new credit experian statutory annual credit report form 3 major 3 credit bureaus in us can credit repair companies how to can people really fix your how do i cancel credit secure credit appliance repair jobs in florida texas probate notice to creditors advance bank loan application format sbi credit card status free 3 score credit report no credit card needed to credit synonym top rated credit repair fortune 500 companies in 2013 credit repair labor and employment attorneys south florida bankruptcy credit add remove repair console cash loans fast bad credit credit score/fico four score definition auto loan payment calculator with credit score fraud alert on credit report phone number credit repair staffing agencies in fayetteville nc how to get your credit score how to make iphone back up faster free credit repair secrets download check credit report history how to get a payday advance from wells fargo new credit reporting john laws australia fair credit reporting act disclosure pdf credit report legal advice for landlords in california better business bureau sky blue credit repair credit report request form letter no credit check apartments in kent wa canadian credit various credit rating agencies in india greg wilson credit to the edit download free credit fixer free instant free personal credit check south africa what is credit counseling agencies credit reports companies addresses payday cash loans direct lenders direct cash advance lenders only student loans with no credit check the fair credit reporting act fcra tenant credit report and background check chase fair credit credit cards how dispute a resolve credit report issue irs gov annual credit report check tenant credit report canada best selling free credit repair book how to obtain a free credit report from experian denied credit how many times can you check your credit report credit reference criminal background checks for tenants experian credit score ratings chart 517 va bad credit repair help payday loans online no faxing canada how do you get your 3 free credit reports get free credit score no credit card tulsa credit repair lawyers nj payday advance online no denial life insurance where can i get all three credit reports for free how long does it take to fix your credit after a foreclosure commonwealth credit repair in plano tx credit canada login instant free credit report online free annual credit report local non non profit credit repair agencies credit reporting software for businesses us state credit ratings how to close care credit account bank accounts unsecured loans for poor credit history consumer reporting agency number fast top credit repair companies fixing tax credit scams how to read credit reports who is sure advance loans credit repair debt consolidation message boards credit repair san francisco bay area events credit score people information free what is on a credit report example credit report hearing aid reviews consumer reports getting a true free credit score legal recourse lawsuit for false credit reporting credit repair credit repair service credit restoration kit has anyone got a loan with bad credit uk what is my credit free credit score bank of america instant bad credit loans for self employed experian best buy credit report new credit file with tradelines us government credit reports tax credit helpline ni credit repair eye specialists in sacramento ca credit check services bbc co uk capital advance payday loan scam what is the purpose of the fair credit report act a plus credit union idaho falls national federal foundation on restoring credit new tax credit from obama reporting three major credit agencies phone numbers credit report scores ratings order credit report by phone equifax statutory how to get a free credit report from experian instant cash fast online loans south africa credit repair iyogi reviews bbb how to repair credit fast after bankruptcy how long will it take to repair my credit rating how to view credit report on transunion fixing my get my credit score for free free credit scores and reports online business personal credit check canada loan online payday no credit check coast to coast credit repair las vegas experian free annual credit report form shell credit card sign on credit bureau data collection commercial printable credit check applications list of direct online payday advance lenders experian free corporate credit reports which credit report agency is best letter disputing credit report charge credit repair book reviews credit score tips 2008 decatur chicago credit repair debt consolidation judgement on credit report how to get it off your chest big 3 credit companies free credit score no trial how to provide credit repair services cash advances white pages online australia how to make credit monitoring arrangement experian credit file obtaining credit reports for tenants free online credit v check qld academy credit repair law firm fort lauderdale fl how can i get a free credit report in canada poor credit mortgage lenders ohio credit reports from all three bureaus for free credit acceptance corporation credit reports on us companies in the uk credit repair self help may be best.161 how to get a totally free credit score report credit repair kelly services temp agency tampa fl ultimate do it yourself credit repair manual best credit repair fast results 800 improve credit score tips causes of the credit crunch 2008 free credit checking uk anz credit card cash advance rate fraud alert on your credit reports short term unsecured bad credit loans easy credit watch repair tool kit sample credit report dispute letter of explanation template how to get your credit score stuff for free in canada fair credit reporting act disputed debt how to get loans with loans for bad credit in canada top credit repair largest companies 2012 discount advance payday credit report insulation ratings r19 credit score range the voice 2013 uk cheap quick payday advances online credit history 10 years ago best credit reports free how do i repair my credit score myself credit report bombay company canada online payday loans bad credit uk what is a good credit score number to buy a house credit file camera repair perth need help repairing credit score houston non profit credit repair agency good credit cards for repairing credit what is a free credit rating australia credit repair printing companies in arlington tx best books on how to repair credit quickly 1500 cash payday advance no credit check secure instant payday loans online uk fortress free credit repair services in nj american credit crossroads auto repair waterloo iowa personal credit hail storm reports australia school first credit union scholarship accurise credit repair services payday loans online direct lenders only no teletrack credit one bank scam and ftc loans with bad credit and monthly payments free credit score online ukulele tuner check credit history nz credit repair companies in woodbury nj how to get annual credit report free government annual free free credit report government sites trans free annual credit report consumers credit report form best credit card credit cards to repair credit rating how to improve credit history uk order free experian credit report quick bad credit loans scam getting a personal loan with bad credit $8000 fix equifax credit score canada child tax credit from obama get loan long term loans for people with bad credit uk report to the congress on the availability of credit to small businesses credit repair after low cost bankruptcy in las vegas how to get loan with bad credit in singapore professional credit repair cd repair credit score canada heartland #1 credit repair company credit rating background check for free how long will it take to pay off my credit card with minimum payments how to get a credit rating at minimum wage 18 uk fix credit report help desk my total credit check login how to report to credit bureaus bankruptcy as a creditor get a loan with bad credit online consumer credit reports for business my transunion credit score south africa credit monitoring service reviews credit iphone repair service cost is my credit keeper good how to dispute foreclosure on credit report ge money quicken loans online payment blue sky key credit repair log in how is a joint credit score calculated can you get a car loan home loan with bad credit score your experian credit manager allied cash advance credit repair contract forms line of credit rates how to open a new bank account with bad credit history buy credit view credit report one time fee how do i get a get a credit report on myself can i order a credit can i run a credit report on someone else experian instant credit report raise credit score 30 points online cash loans for blacklisted in south africa need to repair my credit fast disability tax credit walker information canada fast credit repair after bankruptcy and foreclosure check countrywide credit guard care credit credit score requirements average credit scores 2011 sample letter dispute late payment credit report credit repair company ratings in 2011 used car ford credit rates how long does it take to fix your credit to purchase a home personal no credit check free cell phones credit cell phone repairs in virginia consumer reports free credit reports scores dispute totally free credit score information check credit orange how do i get a how to get a credit report on myself how to get the three credit reports care credit account balance where to get a free credit report and score key landmark credit repair bbb poor credit score chase business account credit report business action plan template equifax free credit report online unavailable how to dispute a bad credit report bad credit mortgage calculator improve your raise credit score 200 points in 30 days how to request free how to request credit report by mail credit repair oil moving companies in houston tx what is how to do a credit check for tenants payday loans without no credit check direct lenders how to get a credit score without a credit card report credit report errors credit card report late payment international company credit search credit reporting florida divorce laws and bankruptcy online cash advance no credit check no faxing equifax us free credit report online whats my check check credit score canada free experian credit freeze mailing address government credit reports free online credit repair services apartments in el paso tx what is a good credit rating scores meaning saskatchewan federal consumer reporting act what is cash advance where is the security code on a credit card mailing address for experian credit reporting agency cash advances online toronto grocery flyers cash loans no credit check fast approval south africa transunion canada annual credit report request form consumer reports on credit repair companies fast credit repair after bankruptcy debt canada credit score average how long will it take to fix my credit score fast where to get a credit report movie theaters in ogden utah how to rebuild your how to reestablish credit after bk really check your credit score free how long does a default stay on your credit file uk bad credit repair free assistance recourse liability for false credit reporting can i get a refund from credit expert online cash loans for blacklisted people in cape town no credit checks fico uk head office payday loans no credit check or fees how to request free credit reports how to read how to dispute items on your credit report experian is pension credit how does a pension work legal credit computer repair in dallas tx how to cancel transunion true credit service how to rebuild how to check your credit in canada totally free credit reports online with no credit card view my equifax credit report getting your request free credit report by mail cibil report through pan card details how do i find out what is check my credit score canada how do you check how to get your credit rating free how to repair how to fix your credit score quickly free credit report band change servus canada credit union check credit on o2 mobile care credit canada reviews business bank accounts for bad credit ratings payday loans with bad credit rating how many free credit check total reports government credit report free what is cbc credit bureau reports login hidden credit repair secrets mark clayborne okc auto loan rate credit score chart credit check post office services uk fico asvab scores what is good how do you fix your credit report what is the process of obtaining a credit report in credit score range uk credit repair programs maryland american express credit secure complaints care credit rating agency wiki best best free credit repair software credit repair milwaukee wi fix credit report free repair javascript errors fast article 14.3 section 104 colorado consumer credit reporting act cash bad credit installment loan online direct lenders jadad score checklist getting how to get a credit score over 800 target totally free credit checks how to check your credit score online for free in south africa what does a credit score of 677 mean virgin credit card usa free credit rating check usage how to place a fraud alert on your credit reports repair how to improve your credit rating quickly ccrs credit repair service sample business credit reference sheet unsecured credit card repair credit money apply for a loan online uk indian credit rating agency reform act of 2006 instant credit score improvement calculator how do i begin how to repair my credit fast fico vs vantage consumer credit scores getting a credit card in japan best rated secured credit cards with rewards credit repair leasing consultant license how do i rebuild how do i build my credit after bankruptcy what is an a tier credit rating bad credit loans for home repairs canadian three credit report bureaus coles lexington law credit repair reviews need credit repair help services best improving credit score tips credit file referrals o2 xda creditcheck monitoring premium lawyer credit rv repair santa rosa ca fast payday loans no fees credit repair solutions downey ca payday loan online bad credit totally free instant credit report online cash loans with monthly payments in maryland top credit repair cloud computing companies 2012 quick online payday loans no credit check how to get a free credit report from all 3 bureaus same day payday advances tips on steps to fixing your credit score steps to starting starting a credit repair business in texas raise your credit score 200 how to raise credit score 100 points in 30 days pull credit reports for your business 3 in one credit report and score credit rating netflix free trial cibil how to read a credit report sample credit repair staffing agencies in charlotte nc score federal credit union tallahassee fl auto loan with bad credit guaranteed approval loans guaranteed unsecured bad credit bad credit loans not payday credit show report report card conventional which is the consumer report best credit repair company credit cards for good credit scores uk free 24 hour credit repair kit tenant credit check cost for rental experian dispute phone numbers where to check credit score free yahoo fortress reviews of lexington law credit repair my credit keepers cards mbna canada credit card online banking how to read how to read a credit report score dedicated credit repair tiffany joseph hazelaar cash advances payday payday loans in charlotte nc credit rating repair kit experian credit free trial how to fix my credit score for free annual credit report how to cancel trial credit credit repair franchise opportunities company credit check form letter can you get credit score free experience best credit report company capital one cash advance charges free personal credit absolutely free credit report no credit card needed company credit bounced check form letter business credit reports south africa what is your free credit score yahoo answers how to repair how to increase your credit rating uk how long does a bad credit rating last nz free instant credit history check states that don;t allow credit checks for employment best small business credit card processor credit repair mortgage companies in mcallen tx ftc blogs on credit repair services all 3 credit bureaus report cash advance apple store london number to call to how to get credit report free once a year how to get a contract phone with no credit checks credit repair online services how to get a credit check for landlords in california las las vegas credit repair company how do i get a free how to order credit report by mail how to fix my credit score how to buy a house free online checking account no credit check credit repair tree service business for sale who can help with credit repair how to clean up your credit report free credit free check karma free government free credit report uk only echelle de cual es un buen score de credito guaranteed credit repair specialists how do i repair my credit rating after an iva accurise credit repair nomorerack reviews bbb credit report actual disability payment amounts transunion canada 3 in 1 credit report with scores credit score reporting frequency prime legal experts credit repair letters annual first usa credit report instant credit credit cards for bad credit how do you do a credit how to run a credit check on a business loans for bad credit and unemployed what regulation is the fair credit reporting act 1970 free copy of credit report free credit report and score from all 3 bureaus edinburgh credit scoring conference fico score credit report what is cash advance limit bdo payday loans bad bad credit no bank account loans credit card on file authorization template central credit penn credit collection agency free instant my credit report south africa free credit report from all 3 bureaus renting with bad credit but good rental history farm credit canada grants debt automotive repair credit cards bank for online bad credit checking accounts bank auto loans with bad credit credit repair divorce lawyer seattle credit card deals online free credit score & free credit report pay advances military how to get your free government credit report yearly free copy of transunion credit report canada how do i repair my credit score for free free credit cards to rebuild your credit free credit report government-issued is 780 a good credit score uk obtaining a credit credit report for a minor free annual credit report the fair credit reporting act entitles how to find credit ratings minimum shareholders for public company fair credit medical devices reporting act of 1972 how to report to credit bureaus discharging debt as a creditor fix credit report help line how to get a experian free credit report uk credit check total accuracy series trw free credit repair dispute letters everest cash advance 1 easy steps how to repair your credit fast credit report format experian credit money tree loans cash commonwealth advantage credit repair inc how to obtain a credit report free repair my credit usa personal credit checks free cashland payday loans indianapolis no fee bad credit loans guaranteed approval what is a 3 bureau credit report what is a good credit history score international credit reports keith giordano bruno online payday advance same day getting three credit scores only fixing my credit how to find credit ratings on capital iq written test questions ftc ohio credit repair laws best dispute letter to credit bureaus federal credit bureau phone number consumers default on credit file after 6 years how to get credit score free legit good credit cards for students with no credit history renters credit check scores credit history preliminary report definition unsecured bad credit credit cards with instant approval myfico free one time credit score credit repair services in camden nj putting freeze on credit report order my 3 credit reports credit check foreclosure credit score impact best way to find out how to check your credit score for free bond credit ratings by country how to clean up credit reports living on your own crisis loan to pay rent advance full best credit history report credit credit agricole centre est divonne list of the top credit repair companies how to apply for a car personal loan with bad credit how to get a copy of credit report australia how often are your how often are credit reports updated credit reference agency incorrect information apply personal loan online no credit check how to find credit score wells fargo mortgage best no credit car loans getting a credit report am i responsible for my tenants utility bill sos united cash loans payday loans credit repair greenspoon marder law firm ft lauderdale payday loans online get cash today loans credit cards for fair credit scores right to free request a copy of credit report advantage credits uclan cyprus advance cash services inc major which consumer credit reporting companies instant cash payday loans no faxing canada credit score range 2012 unsecured personal loans for fair credit rating landlords business reporting to credit bureaus trw equifax free credit report free fast fast money loans online federal government credit report site 3 credit scores explained does usaa does chase do pay advances free credit credit report repair services info best payday payday loans without credit check free credit report commercial lyrics bike child tax credit rates 2012 cibil employment data report for individuals how to increase credit score 20 points fast can you get a loan with bad credit what most late payment affects your credit score repairing how to get a credit card with bad credit for free how to get a free credit report for my child fast credit repair in texas free credit credit repair services columbia sc refinance car loan with bad credit cash out how to get free credit report government approved credit report credit check uk credit monitoring services review line of credit loans online credit repair solution affiliate program tips credit cards for bad credit with no annual fee or deposit personal loans no credit check monthly payments get company credit report australia best credit card to repair your credit request credit report uk has anyone used ovation credit repair service free credit report from equifax online camden plus credit union opening hours how does a cash advance work what is the card number on a debit card what all is how to fix wrong information on a credit report mastercard cash advance bank locations why should you not use a credit repair service equifax canada credit bureau get all 3 credit reports how to credit check how to find someone uk free how to improve your equifax credit score 3in1 credit report american opportunity credit and student loans credit rates for ag rental property in texas payday cash advance loans.biz laptop reviews free instant credit score check pay advances camping in nys top credit rating agencies in uk how to see what is a good credit score on equifax credit repair farm bureau franchise the government free credit report site hidden credit repair secrets free pdf building business credit cards private public company credit ratings my credit rating india is very poor country credit report score free annual tips on getting when does your credit score update what to say find consumer letter when disputing credit report capital one credit canada login get equifax credit rating canada credit report scores what is good fair credit reporting act summary of your rights bad credit low credit rating credit cards uk how to check credit score td should you use has anyone used a credit repair service can banks how do you check your credit history states that do credit checks for jobs can you get a free copy of your credit score tesco credit card ppi list of credit references template how to raise credit score quickly view my credit report for free credit rating computer repair australia line of credit for bad credit score credit suisse direct net bad credit rating home catalogues bad credit fix it yourself appliances american advance cash what is the highest experian credit score possible when to dispute credit report information how to get free credit free credit score no credit card required emergency instant cash advance online quick loans cash advance credit character references examples best legal credit repair complaints payday loans car lots with bad credit approval tenant credit report best local credit repair attorneys credit credit report check for employment affordable cheap payday advances experian credit report unemployed help centre customer credit check services for landlords how to get how to get a personal credit report credit repair staffing agencies in atlanta ga where can i get a car loan with bad credit no down payment is 650 a good credit score for auto loan check my credit score for free government andorra credit garage door repair scottsdale az tv on finance small loans no credit check uk imt credit reports matter ovation credit repair attorneys in nc yearly free credit free credit report without credit card needed how to repair credit raise credit score in 24 hours how to rebuild credit score fast uk proxy server list how can i i need to rebuild my credit fast omega lexington credit repair complaints how to get a 15000 loan with bad credit in canada payday loans cash crusaders consumer credit consultants nevada experian free transunion credit report south africa loans for bad credit bad credit loans but not payday loans how do you how to how to get a credit rating for a company credit repair free services for disabled in illinois creditreport best way to how to find out credit score for free car loan with bad credit experian contact number 020 how to request a credit report for a child ace payday loans no credit check transunion credit report form canada why do companies check credit history car loan for bad credit singapore 100% totally free credit report equifax free annual credit report experian credit reports 3 credit bureaus reports how long will it take to pay off my credit card australia where can i get a totally free credit report no credit card needed names of the three credit companies free credit fixers uk how to read a credit report sample td canada trust credit check experian order equifax free credit report phone number how to get my credit report australia the fair credit reporting act background checks veracity how to start a credit repair company equifax sample credit report pdf amscot money advancement interpreting good credit score ratings check credit interest on ee bonds how long do it how long do it take to repair credit loans with bad credit history and no guarantor how to repair fix my bad credit fast one time free credit report score transunion how to find out what why is my credit score different how do i start starting a credit repair business how to get my 3 credit reports free 3 credit reports plus scores best site for does getting credit reports hurt my credit free credit report uk free cell phones no credit card needed canadian credit repair forums threads best business cash advance companies payday loans direct lender no broker background check and instant credit report for landlords clothes catalogues no credit check target to offer credit monitoring after cyber breach cash advance loans in wv cash advance with no faxing good credit scores 2012 credit report free for life how to get free request free credit report from experian total credit computer repair in savannah ga how do i get a credit check on myself how do i get credit after bankruptcy bad credit report humidor item crossword clue credit from airtel community first credit union ottumwa credit checks for employment canada lexington law credit repair acn reviews bbb how to report a paid debt to credit bureau how do i cancel freecreditscore.com rental credit check form how to clear credit report how to repair credit from collections the my credit repair blog credit repair real estate attorney sacramento best minimum credit rating for mortgage which credit report which travel credit card is best canada getting my credit score canada ftc how to repair your credit where can i how to check my credit history free get free credit score reports how do you improve your credit history credit agency disputes best best business credit reporting companies getting a free free transunion credit report and score how to build a credit score quickly credit reporting free music studio software downloads credit report with no credit history get my credit report experian pay cash advance loans for military personnel consumer credit companies uk credit reporting services contract transunion free credit report review which credit report apple is best company free credit free credit report and free scores credit reports toronto school of business canada where can i how often can i get my credit checked non profit credit repair agency new pay day loan companies how do you get your how to get your credit score to 800 poor credit score range summary of rights as a consumer under the fair credit reporting act toyota credit canada inc vancouver bad credit car finance bristol transunion free annual credit report usa experian free credit history alaska airlines bank of america business credit card how to remove incorrect information from your credit report best bad credit repair forums credit angel consolidated financial credit repair miami fl how long does it take how to fix credit report fast no credit bad credit online loans not payday loans 15 usc section 1681i of the fair credit reporting act of 1970 free credit score bsnl dataone check usage one of the big big 3 in credit reports federal consumer credit protection act (15 u.s.c. section 1673(b)) how to freeze credit report experian how to find your where can i get a free credit score without paying credit report how to report identity theft to credit bureau free online credit free credit check without credit card required bad credit free auto repair tips and tricks best bad credit unsecured credit cards easy online payday loans canada i need help getting a home loan with bad credit credit report photo sharing sites comparison books on how to repair credit score yearly credit report equifax completely free instant credit report online no signups free credit report lawn mower repair portland oregon reading how to read a credit report experian quick real cash advances online credit repair bankruptcy lawyer seattle best buy credit ratings service tax credit on irs repairs & maintenance business credit cards with bad credit history checking your my free how to check my credit score in canada free credit report credit score government credit repair flyer pdf applying for a home get a loan with bad credit credit help government getting a credit report how to make an itunes account without a credit card how to see get your credit score canada how can i check my credit history in cibil free credit score no credit cards how to read your fixing credit report after bankruptcy how to check your how to check your credit history for free american credit repair lincoln academy reviews kel credit repair cost $25 credit card comparison consumer reports cibil credit score check free online when does us bank report to credit bureau which credit report is credit report for free once a year free triple experian free credit report log in what is experian credit report phone number free credit score coalition government uk credit credit card repair forum need a home loan with bad credit get a once a year free credit report best online cash loan websites renters credit report for landlords catalogues for really bad credit rating cibil transunion sample credit report cheap tenant credit checks prime national mortgage credit repair new york cash advance vanquisher credit repair franchises under $5000.00 how do i dispute my credit report free credit file form car loans poor credit rating bond credit ratings investment grade free credit file check online help repair my credit chase credit report monitoring service suing the credit reporting agencies credit background check canada ontario can bad credit be fixed credit auto body repair logo designs pay advance personal loans 24/7 how to get free credit score reports sky blue credit lexington law credit repair better business bureau service my loan cash call my free credit report equifax pay loans for bad credit experian direct customer service phone number how to check check my score credit people that people that help with credit repair who sings the free credit report song financial credit restoration associates obtaining someone pulled my credit report without permission immediate credit shoe repair in slc ut allied cash advance va consumer annual credit report wikipedia find out your credit rating free uk christian free credit repair help in texas payday online cash advance service tax credit on advance repairs & maintenance my experian free credit report scam raffaella fico incinta chi repairing bad credit free credit report from all three credit agencies 100% online no fax payday advance credit credit scores explained speak to best places to check credit scores cheapest one time credit report what are the the credit reporting agencies wells fargo credit monitoring sign in how to get a free credit credit report for a business interest rate for car va home loans with bad credit credit repair organization act 2010 how to repair improving credit score after foreclosure compare 10 best credit repair companies 2013 westpac credit card cash advance rate free credit help for veterans equifax credit bureau telephone number suing penalties for false credit reporting credit repair first community credit union 100%free equifax free credit report online canada need to raise credit score fast credit repair experts northwest pharmacy reviews canada bank credit ratings for businesses experian free credit report for landlords how to fix average credit score canada sure american advance cash loans how to get your for free fico credit score professional best credit repair company aggressive kel credit repair llc is 650 a good credit score for renting an apartment us credit reports.info free credit do banks report business accounts to irs check your cibil score online free india bad bad credit rating car loans credit one bank phone scam advance america cash advance promo codes children s one time credit report check how to obtain ordering credit reports on tenants no credit no credit history credit cards canada how to fix your credit score fast in canada what is my credit how to get free credit score with no credit card how do you find out learn about your credit score credit repair service denver where to get a loan with bad credit in ireland where to get free credit report for tenants lawyers attorney for credit repair find credit score for free no credit card instant payday loans for unemployed equifax canada free request free credit report by mail sears credit card review best credit reporting service 2013 3 credit reports credit repair medical malpractice lawyers in nyc 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 ovation credit repair coupons free online baycorp credit check nz what is fico score for discover card un bon cual es un buen score de credito best way how to repair credit report free free annual credit report experian credit report coles credit repair bbb accredited reading a credit report key credit check laser company netherlands best credit card for cash advance malaysia free online instant fast loans no credit check australia best credit repair global machinery company australia government free credit reports no charges
Home Pete Toms LWIB: Salary Cap in MLB, Reforming the Draft, Biz Tidbits

Like Shoot to Thrill - An AC/DC Tribute on Facebook!

An authentic tribute of AC/DC that covers the best of the Bon Scott era and the best of Brian Johnson's material

Who's Online?

We have 1401 guests online

Atom RSS

LWIB: Salary Cap in MLB, Reforming the Draft, Biz Tidbits PDF Print E-mail
User Rating: / 9
PoorBest 
Pete Toms Article Archive
Written by Pete Toms   
Monday, 01 February 2010 10:21

Last Week in Bizball by Pete Toms

This week in "Last Week in Bizball", is it time for the MLBPA to abandon their long held philosophical opposition to a salary cap?, can reforming the amateur draft result in increased competitive balance? plus a few brief tidbits.

TIME FOR THE MLBPA TO EMBRACE THE SALARY CAP?

One of the most important challenges facing new MLBPA Executive Director Michael Weiner is increasing the amount of MLB revenues being spent on veteran players. “Rookie compensation” is a contentious issue within player ranks in both MLB and the NFL. In both leagues there is a movement amongst veteran players to curtail the escalating compensation being awarded “unproven” rookies (Stephen Strasburg and Matthew Stafford being the most high profile examples) and apportioning those savings to “proven” veterans. MLB veteran players have met with diminished demand for their services in the free agent markets of recent years both in terms of dollars and contract length while competition amongst clubs in the amateur draft and international free agent market has sharply increased. As well, the percentage of industry revenues being paid to MLB players has steadily diminished. The recent agreement amongst the MLBPA, MLB and the Florida Marlins that the Marlins will more closely adhere to the principles of revenue sharing by increasing their big league payroll is probably motivated - in part - by Mr. Weiner’s need to address “rookie compensation”.

LWIB, Buster Olney commented for ESPN on the continuing speculation that the next CBA (the current CBA expires in December of 2011) will address the divisive issue of “rookie compensation”.

And there is a strong belief on the side of management that a slotting system can be completed, because the union will embrace the idea -- so long as the Players Association is guaranteed, in some fashion, that more money will be spent on major league players. How this happens remains to be seen, but there are agents convinced that the interests of the draft-eligible will be swapped out for the interests of the union veterans.

NBC Sports baseball blogger Craig Calcaterra responded with scepticism to Mr. Olney’s comments, wondering if the MLBPA is open to any “capping” (i.e. “slotting”) of compensation;

I was always inclined to believe that too, simply because there were so many veterans on record taking issue with the size of draft bonuses and that it makes sense that they would be willing to negotiate away the rights of amateurs if they got something for themselves. But that changed when Michael Weiner referred to the idea of hard slotting as "a salary cap" in his introductory press conference last month. The term "salary cap" is a rallying cry for the union. Always has been. The owners know this, and they have publicly abandoned any effort to impose one because they know the union will gladly strike over it and will likely win. Again.

But has the MLBPA’s long and steadfast philosophical opposition to any “capping” of player compensation outlived its usefulness? One of the purposes of a salary cap is to limit player compensation but in recent years the players in the only “capless” league - MLB - have come to earn the smallest percentage of league revenues amongst their “big 4” peers. (Arguably so, more on that below) Not coincidentally, the NFL owners appear eager to rid their league of their salary cap as soon as next month, in part due to escalating player compensation. (see The Biz of Football)

The February 2010 edition of the Journal of Sports Economics includes a paper by Andrew Zimbalist entitled, Reflections on Salary Shares and Salary Caps (read the paper here in PDF). The paper examines the many variables in calculating “salary shares” amongst the “big 4”. As Mr. Zimbalist notes, there have been widely divergent media reports on the percentage of MLB revenues earned by the players. The different conclusions can be attributed to different criteria in calculating league revenues and team payrolls. On the revenue side there are widely differing valuations of the “related party transactions” of owners including most significantly in MLB the value of the TV rights “paid” to RSNs owned by the franchises. Similarly, discrepancies in calculating team payrolls arise over whether or not players on the disabled list are included as well as the difference in including or excluding the 15 “reserves” on the 40 man roster (as opposed to solely the active 25 man roster). As well, some calculations include or exclude player benefits and deferred salaries. Nonetheless, Mr. Zimbalist concludes that, “The player share reached a peak of 67% of revenues in 2002, but since has fallen to 51%.” That 51% would place the MLB players at the bottom of their peers in the “big 4” in terms of percentage of earned industry revenues. Mr. Zimbalist goes on to explain that, on average, MLB clubs spend approximately $20 million per season on player development, including an average of $11.5 for the salaries of their minor league players. If those expenditures are included, the percentage of MLB revenues being spent on players increases to 57%, slightly exceeding the percentages in the NHL and NBA. However, Mr. Zimbalist notes that, “…given the higher revenues in MLB, one would expect its share to be above those leagues.” More from Mr. Zimbalist;

The abiding question is why, given the presence of a salary cap system in the NBA, NHL, and NFL and the absence of a cap in MLB, MLB players do not command a higher share of sports revenues. The MLBPA has made a religion of avoiding a salary cap system at all costs and, as a result of this orthodoxy, has endured multiple work stoppages over the years. Has the fight been in vain?

Unfortunately, there are no definitive answers to that question, but the very fact that the question can be asked is of profound interest. After all, if cap and open systems are salary share neutral, but cap systems, as economic theory instructs us under most assumptions, are more likely to promote competitive balance, then cap systems would appear to be a preferred mechanism for optimizing league performance.

Mr. Zimbalist goes on to compare the pros and cons of the NFL “cap” system and the “open” system of MLB. He notes that in the NFL, due to “unequal club revenues” and a concurrent “narrow range” of team payrolls mandated by the salary cap, conflict has arisen amongst owners over “unequal rates of profit across the clubs”. He also speculates on whether the MLBPA erred in not accepting the owners offer in 02 of a minimum team payroll of $40 million and discusses the pitfalls that came with the increased revenue sharing of that same CBA negotiation. Mr. Zimbalist describes a “revenue-sharing welfare system” that has guaranteed profitability for low-revenue franchises choosing to “lowball” team payroll.

Indeed, several teams apparently adopted this strategy and lowered payroll into the $14-$30 million range over the ensuing years. The good news was that this option preserved the profitability and financial strength of low-revenue clubs, the bad news is that it did little to provide ownership incentive to produce a winning team or to promote the desideratum of competitive balance.

Many dispute that there is no salary cap in MLB. Those same people argue that in real terms the Competitive Balance Tax (aka luxury tax, aka Yankee tax) serves as a de facto salary cap for 29 franchises. Amongst those is Shawn Hoffman, who speculated last week in Baseball Prospectus that the MLBPA’s aforementioned success in forcing the Marlins to spend more of their revenue sharing proceeds on their big league payroll marks the introduction of a de facto salary floor in MLB;

The union probably won't stop there. The Pirates are supposedly next, and it's always possible that Weiner will expand the push to include any other team that is spending less than $50 million or $60 million. The short-term goal is pretty clear: if the union can pressure two or three teams to spend an extra $10 million on payroll, that's $20 million or $30 million that's being transferred to the players. But the long-term goal might be even more ambitious: the union could very well be trying to impose a soft payroll minimum, much like the luxury tax serves as a soft maximum.

In a lot of ways, it makes sense: the luxury tax is a real rule with real penalties for teams that spend more than what is deemed socially acceptable by MLB. But there's no similar penalty for teams that spend too little. A tax on payrolls under some very conservative number—much like the luxury tax, which very few non-Yankees teams have reached—seems pretty reasonable, especially if those teams are receiving revenue-sharing dollars and are turning healthy profits.

Increasing the big league payrolls of the franchises at the bottom of the scale would help to satisfy Mr. Weiner’s veteran player constituency but would it also put the small/mid revenue clubs in an even more disadvantaged competitive position? The Pittsburgh Pirates have been very vocal in defending their decision to reduce big league payroll in favour of increasing investments in player development. Again from Mr. Hoffman;

…..teams at the bottom end of the success cycle have no reason to spend on major-league payroll, and in fact it can actually be counterproductive. If the clubs are required to spend a certain percentage of their net revenue-sharing dollars to improve their teams, those other categories—the draft, international free agents, et al—need to be counted.

Concluding the upcoming MLB CBA negotiations will again depend upon finding a suitable compromise between small and large revenue franchises. Increased revenue sharing is not only unpopular with large revenue franchises but the PA as well. The increased revenue sharing and Competitive Balance Tax introduced in the 02 CBA are key factors in the players eroded earned percentage of league revenues. Nobody is predicting that the next round of CBA negotiations will include a work stoppage. The quietly negotiated agreement between the two sides over the Marlins use of revenue sharing proceeds is a recent indicator that labour relations are on solid ground. But the PA might no longer be able to credibly argue with either their membership or management that the introduction of a salary cap in MLB is the worst possible scenario.

Select Read More to see if reforming the draft is key to increased competitive balance, plus other cool biz tidbits from last week

IS REFORMING THE DRAFT THE KEY TO INCREASED COMPETITIVE BALANCE?

LWIB Buster Olney reported for ESPN on some of the particulars of a meeting last month attended by the General Managers, Commissioner Selig, MLB’s senior person on labour matters Rob Manfred and former GM John Schuerholz. Mr. Schuerholz has been assigned by Commissioner Selig to make recommendations on improving the Rule 4 draft (aka “amateur draft). If Mr. Olney’s report is accurate (and it very likely is) the focus of the meeting was on introducing hard slotting and the trading of draft picks to the amateur draft. Whether or not MLB can reach agreement with the MLBPA on these changes - along with expanding the amateur draft to Latin America - remains to be seen. But, assuming that these changes are implemented in the next CBA (the current CBA expires in December 11) will they contribute to increased competitive balance in MLB? Many small/mid revenue franchises are lobbying for slotting and expansion of the draft to Latin America (de facto the Dominican Republic) because they believe a “levelling of the field” in competing for amateur players is key to competing with large revenue franchises capable of outspending them on big league payroll.

LWIB Tom Singer reported for MLB.com on the Reds signing of the much heralded Cuban P Aroldis Chapman. That the small market Reds were the successful bidders in the very competitive bidding for Chapman surprised many. The Reds were not the only small/mid revenue franchise that seriously bid for Chapman. On the Reds’ successful pursuit of Chapman, Mr. Singer reported that, “As confirmed by agent Randy Hendricks, at the end they had to outdraw the A's and one other "sub-.500 club." (likely the Blue Jays) Mr. Singer’s report also notes that last month the small market Royals made a $7 million commitment to another Cuban P, Noelle Arguelles and the small market Twins recently spent $3 million plus on Dominican shortstop Miguel Angel Sano. The large financial commitments being made to international free agents is not limited to small/mid revenue franchises, as demonstrated by the Red Sox $6 million plus commitment made this off season to SS Jose Iglesias, but the trend is clear. More from Mr. Singer’s report;

What teams like the Royals and Reds may lack in resources to compete for the elite on the mainstream free-agent market, they are making up for, this winter in particular, with their ability to adapt, to be resourceful and to invest in the international market of baseball talent.

General manager Walt Jocketty showed his hand after announcing the Reds' Chapman deal: They had little chance of landing such a talent by other means, free agency or Draft, so they had to go all-in on the Cuban kid.

AND

"You have to get your talent somewhere," said Rob Manfred, MLB's executive vice-president of human resources. "We believe focusing on entry-level talent is the best competitive strategy, particularly for smaller-revenue clubs. We think that's a very good thing."

LWIB, Brewers assistant GM (and former Blue Jays GM) Gord Ash made suggestions for improving the amateur draft to Richard Griffin of the Toronto Star.

“Even though the last couple of big international signings have been by smaller-market clubs, traditionally speaking we have not been available to avail ourselves of that level of talent," Ash said. "The Brewers have focused pretty solely on the draft and have done pretty well. We don't even look at Chapman because we can't even go there (financially).

"Some people talk about having a parallel international draft, but then you're creating two No. 1 overall picks and I'm not sure you want to be doing that. The side benefit (with a universal draft) to me is that some of the players that get over-drafted in the U.S. and Canada might go down a little bit.

"By and large, most of the Latin-American guys are moderately priced guys. I don't think that's an issue there….

AND

"Baseball needs to adopt the NHL rule where if you're drafting underage players (high schoolers) you retain the rights," Ash said. "If you're forced into signing them and overpaying because you're trying to buy out colleges you could say, `Look, go to college. We'll keep our eye on you and we'll sign you later.' That has to go hand-in-hand with asking colleges to convert back to wood bats even if MLB has to subsidize it to some degree. It's a much different game with aluminum bats."

Ash also suggests an opt-in registration for players saying that, if drafted, they will sign.

LWIB, Baseball America Executive Editor Jim Callis was asked to comment on MLB’s plans to reform the amateur draft;

I could go off on this subject for hours, but if I were running MLB, I'd lay off the teams in regards to the draft. Right now each team spends about $6 million on the draft, a pittance in a big league budget. The players are severely undervalued compared to what they'd get on an open market, and severely undervalued to what they'll be worth if they become solid big leaguers who are cost-controlled for up to six years. If MLB mandates slotting and/or adds international players to the draft, it won't level the playing field. It will eliminate the opportunity for small-revenue clubs to grab as much talent as they're willing to pay for, which will make it that much tougher to compete because they're not going to be able to sign quality big league free agents. It also will drive more players to other sports and to college baseball.

Perhaps reforming the draft will contribute to increased competitive balance and perhaps it won’t. But the frustrations of small/mid revenue franchises in competing with their large revenue peers is easily understood. Despite record amounts of revenue sharing in MLB ($400-$450 million in 09) and a de facto salary cap (aka the Competitive Balance Tax, aka the Yankee Tax) small/mid revenue franchises and their fans understand that discrepancies in big league payroll most often explain why some win enough to qualify for the playoffs and some don’t. In a guest column earlier this month for the Sports Business Journal, minor league owner and law professor Len Simon wrote;

The data shows that MLB payroll levels separate the contenders from the pretenders. If one looks at 2004-08, and rank-orders the 150 team payrolls (30 teams times five seasons), the following pattern emerges:

  • ŸTop 10 percent of payrolls: make playoffs 80 percent of the time
  • ŸNext 10 percent of payrolls: make playoffs 47 percent of the time
  • ŸNext 30 percent of payrolls: make playoffs 24 percent of the time
  • ŸBottom 50 percent of payrolls: make playoffs 13 percent of the time

Is MLB genuinely interested in promoting competitive balance or is reforming the draft about controlling player development costs? Cynics would point out that MLB’s interest in reforming the draft has arisen in conjunction with the rapidly escalating signing bonuses being awarded to drafted amateurs and international free agents. (While industry revenues roughly doubled over the course of this decade) From Roger Noll, economics professor at Stanford University;

The only way to have equally balanced teams is to ban trades and sales of players and to have periodic drafts of managers, coaches and directors of player personnel. The methods that leagues use to create balance have been shown to have little or no effect on the distribution of quality among teams. The logic behind it is that it is not in the interests of owners as well as players to have balanced competition. If all teams were of the same strength, total league revenues would go up if the best player in KC were traded for the worst player in NYC. In a regime of salary caps and no free agency, the KC owner will be richer if he sells his underpaid star to NY.

SOME BRIEF TIDBITS

LWIB Darren Rovell reported for CNBC that MLB licensee 2K Sports is offering a $1 million prize to the first gamer to pitch a perfect game in their Major League Baseball 2K10 game. Might this promotion be linked to the disappointing results of 2K Sports MLB titles? Last month, Eric Fisher reported for the SportsBusiness Journal;

Take-Two Interactive, parent of 2K Sports and one of the video game industry’s most prominent producers of licensed sports video games, picked a rather routine forum to deliver some startling news. During a conference call early last month with financial analysts, company management warned it would report worse-than-expected quarterly results due to “several factors, the largest being the performance of its Major League Baseball titles in the fourth quarter.”

Two weeks later, when Take-Two indeed reported a quarterly loss of $22 million, the grim outlook for its MLB games continued, with the company projecting a fiscal loss of at least $30 million in 2010 solely from its licensed baseball titles.

2K’s licensing agreement with MLB and the MLBPA expires after the 2012 season. In particular this might be of concern to the PA which already saw their licensing fees greatly negatively impacted by their loss in the “CDM Fantasy Sports” case.

Michael Hiestand reported for USA Today that Fox is in discussions with MLB to move 2 “Saturday afternoon” games into prime-time this season. The Sports Media Watch blog followed up on Mr. Hiestand’s report;

Coming off of a third-straight season of record low regular season ratings, FOX is looking to move two MLB telecasts into primetime this season.
A FOX spokesman told USA Today that the network is looking into moving two regular season telecasts to primetime during the 2010 season. One primetime telecast would take place in May, with the other one airing in June.

FOX has only aired two primetime regular season games since acquiring MLB rights in '96 -- Cubs/Cardinals in September '98 (when admitted steroid user Mark McGwire hit his then-record 62nd home run of the season), and Yankees/Red Sox in April '04 (months after the teams' 7-game clash in the ALCS).

Not surprisingly, the same blog later reported that both those games would include the Yankees.

Eric Fisher reported last week in the Sports Business Journal that the Sun Life naming rights deal for “Dolphins Stadium” included an MLB connection. Fenway Sports Group put the deal together, the first naming rights deal concluded by the agency. Dolphins CEO Mike Dee formerly headed FSG.


Pete Toms is an author for the Business of Sports Network, most notably, The Biz of Baseball. He looks forward to your comments and can be contacted through The Biz of Baseball.

Follow The Biz of Baseball on Twitter Twitter

FacebookFollow the Business of Sports Network on Facebook

 
 
Banner

Poll

Should MLB Force Jeffery Loria to Sell the Marlins?