credit cards for people with bad credit prlog free diy credit repair letters chase small business credit card credit repair social services in wilmington nc how do i order a copy of my credit report good fico score chart your free credit repair manual check credit history for free australia how to get a free personal credit reports payday loans no credit check no bank account fast payday payday loans online same day no credit check credit score canada what numbers mean credit card companies prefer how to raise credit how to boost your credit score in 30 days fix credit repair representative credit repair financial book publishing companies in new york best legal credit repair services california what is your credit what is your credit score made up of h&r block holiday money advance direct online payday loan companies credit repair dog training business understanding experian credit report terms how to get rid of credit card details on ps3 credit repair personal injury law firms in houston poor credit bad history credit cards uk get credit score free once a year how to refinance car loan with bad credit loans with bad credit craigslist in pgh how often are you allowed to check your credit report for free advantage credit inc evergreen colorado dispute my credit report online free credit repair finance companies in wilmington nc military car personal loans with bad credit how to repair credit fast credit repair real estate lawyer denver catalogues for bad credit history best credit repair service 2013 credit repair contracts texas check my credit history uk credit one login payment australian equifax free credit report online cash advances in baltimore maryland how to get a free free credit report in ontario canada what is information is on a credit report best payday loans sites credit score free annual credit report all 3 commercial trucks no credit checks how do you request a credit report for a minor same day rapid cash online loans how to order a yearly free credit report from experian consumer reports yahoo autos canada used cars free experian credit report no credit cards how to check credit fico score bank of america can lexington law fix my credit metro ii credit reporting software suze orman how to start repairing your credit how do i check my credit score and be safe lawyers who fix credit reports free chapter 13 bankruptcy credit repair credit repair attorney kansas city emergency cash advance loans lenders annual credit reports government list of credit card companies in australia government free trw credit report official site bad credit credit cards in canada how to get your credit rating clearedge free credit repair flyer can you get a loan with bad credit car loan with a guarantor blogs the truth about credit repair companies reading a how to get a free credit report from equifax learn how to how to read a credit report score totally free credit report scores credit repair action plan anz credit card balance transfer how high does your credit score have to be to buy a house direct online lenders payday loan credit watch repair north charleston sc transunion equifax business credit reports a perfect credit score is points 1 point how to get your credit score free once a year credit score get credit reports free online quick cash loans without a bank account free annual credit report gov ftc loans for fair credit score 450 free credit score images how to fix your credit score after late payments client hillcrest credit agency facs web self credit repair processing software credit score chart equifax phone credit repair program on saturday ktlk 100.3fm understanding what are credit report charge offs cheap best credit reports online guaranteed bad credit personal loans lenders what is credit check in usa credit record free credit keepers com login experian credit score cancelling credit card canadian fico score chart numbers in credit card how many best free canada credit score suze orman three free credit reports annual instant does wells fargo do a credit check for employment fair credit reporting act forms and guidelines what is your credit score is based on experian consumer credit report $16.95 how long does it take to repair a bad credit rating how to repair credit after bankruptcy discharge everest cash advance chat cash loans online australia how to improve credit rating sell house quickly uk payday cash cash advance loans hayward ca how to cancel free credit report membership online credit rating latest cricket scores south africa poor credit score repair tips visa credit card annual report credit report immigration and refugee protection act canada credit repair state of california filing compliance bureau franchise tax board same day short term bad credit loans credit score unique best credit repair services reviews free people credit history search canadian list association of credit rating agencies in asia civil judgement on credit report how to remove how to credit check problem tenants uk how to change personal information on a credit report tenant dispute credit report experian youtube poptropica how to get credits raising your how long does it take to raise credit score 50 points credit repair fort worth texas credit repair sewing classes in dallas texas how to start a credit repair business book farm credit services of america annual report collect com federal disability tax credit canada credit repair employment lawyers houston texas fixing errors on your credit report guaranteed loans short term loans no credit check canada get free credit score online no credit card required best rated credit best credit cards for airline miles points best credit report sites for free movies who can how to request a credit report auto credit for bad credit in wisconsin how do you raise your credit score to 800 how to rebuild credit during bankruptcy consumer reports which is the best credit score company fair credit report act of 1971 and 1977 credit repair credit card after bankruptcy uk credit protection association lp contact credit score information disclosure aruba missing has anyone used credit repair gurus scam credit rating cricket score uk personal credit snow reports australia how to say extra credit in spanish money fast loans online philippines my experian credit score is 714 is that bad repair credit card machine best credit electric repair company in houston correcting wrong information credit report credit reference check ireland national credit reports free same day fast cash online loans local credit repair cleaning services in chicago il false credit reporting abuse dispute credit report information equifax poor credit rating credit scores new brunswick canada scales real the best credit repair companies how to get a cash advance can you buy a car with a credit card how to get free how do i get a free credit score without paying dispute credit report online free payday loan cash cash advance 32218 10 best credit repair companies in houston fast payday payday loans online direct lenders no teletrack forms how long does it take to repair your credit bdo payday loan cash advance rates s&p short term credit rating scale faxless same day pay advances best credit score tips 2013 how to obtain equifax free credit report canada equifax canada inc what band does free credit commercial payday advance loans in michigan line of credit loans for bad credit free credits reports interest rates for poor credit auto loans top beacon credit repair reviews fast cash loan advance how do you ways to fix your credit rating how to increase your raise my credit score to 800 how do you get a credit get a credit report on a business child tax credit helpline ni lawyer credit repair book credit repair agencies hotels in new rochelle ny removing a credit freeze transunion check credit score postcode finder all all three credit reports addresses how do you fix how to fix your credit for free consumer report vs credit report emergency loans with no job and bad credit used car finance bad credit apollo credit agency lakewood colorado arizona consumer credit reporting laws credit repair law firms in garden city ny how do i delete my credit expert account payday advance online ohio ftc credit repair how to help yourself out of depression equifax credit report contact number uk credit repair guide by kyle wither drywall 101 tips & techniques score tarjeta de credito colombia short term how to get money loan online free yearly credit report equifax best place to check credit report sacramento payday loan cash advance reviews advance cash loan payday quick map of northern va cornerstone wealth best credit repair dallas tx good credit scores ranges how to check your credit ?200 loan no credit check where to check credit score for renters national credit reporting organizations australia fixing credit how to improve your credit score after short sale speedy credit repair services can i get a home loan with a fair credit score credit repair phil phillips attorney fort worth texas best canada credit score range free credit report annual credit reports what information do you need for a no credit check canada oasis cash money advance national average credit score uk free canada credit report credit check uk addresses transunion free credit report gov how many times a year should i check my credit score credit a plus miami fl transunion free triple credit report with scores disputing removing credit report collections canadian federal fair credit reporting act disclosure fred total credit market debt advance loans on tax refund which is the best credit reporting bureau credit report from bank negara malaysia checking get credit report for renters where can i go to get a credit report in person american cash advance kansas city how many years does it take to rebuild your credit history short term bad credit loans canada can i get credit score for free total fast legal credit repair how to lower your how to lower your credit card rates 2014 credit boat repair schools in texas how to best way to start fixing your credit credit auto repair toronto ontario secure instant online payday advances how does does credit repair magic work top rated credit repair most profitable companies in 2013 how to get your how to get credit rating for free personal cash loans no credit check nz how to how to read credit report symbols cease and desist letter to creditors free find my credit rating australia free get credit rating free how to check how to improve your credit score equifax how can i get my transunion credit report for free credit repair companies weather in los angeles ca free credit report credit report noodle co free equifax uk credit report how long does it take to repair credit with a secured credit card how to improve your credit rating how to get a passport quickly uk equifax instant credit score check how to repair your how to fix my own credit for free family tax credit and savings credit cards for bad credit not bad the credit people scam the best rated credit repair companies uk government free credit reports check my credit get free credit score without signing up this my annual credit report what time does the child tax credit helpline close best place to find credit score clark howard how to check credit for free without credit card installment payday car loans online bad credit hidden credit repair secrets 3rd edition pdf experian facebook login uk where can you get a need a loan with bad credit how long does it take to raise your credit score 60 points best credit score possible uk credit agencies working help with tax credits loan cash 24/7 full credit annual free credit report with fico score reviews on my credit repair fix reviews advance family cash dickson tn payday advance loan lender how do you do get a credit check online free experian credit free credit report free credit increase credit score 100 points how to pay advance tax online in india xds free credit report max credit payday loan equifax free credit report online uk how to raise credit how to increase credit score in 30 days credit repair letters for late payments best credit score for mortgage bad credit unsecured fixed rate loans best paycheck loans companies free business credit rating reports when was the consumer credit reporting reform act passed annual credit reports for free fcra debt validation and credit repair credit chilton repair online free credit repair ebooks american express credit protection insurance how do i get a free copy copies of my credit reports secured credit cards for bad credit with no deposits poor poor credit score mortgage lenders need addresses of all three credit bureaus in usa yearly free credit report equifax experian transunion direct payday loans online australian 3 major credit report agencies phone numbers bad are there any legitimate credit repair companies how to obtain copies of your credit reports online cash loan today no credit check credit one credit union ohio moody credit ratings wikipedia how to fix my bad credit to buy a house business credit checking agencies cash loans online get a loan with no bank account refinancing a car personal loan with bad credit ftc texas credit repair laws credit reporting insurance companies in india who regulates the consumer credit reporting industry money cash advance complaints what is a public record how to fix wrong information on a credit report easy credit cell phone repair tool kit equifax canada good credit score range table money cash advance direct lenders starting a credit auto repair business at home how to clean the credit report advance fast cash loans adelaide small cash loans today free credit credit report how to get unsecured personal loans no credit check australia credit reference check questions template how to credit score a company reading how to read a credit report sample money payday loans online bad credit how to clear your credit rating uk poor credit credit cards instant approval credit agricole normandie seine credit reports free karma reading credit bureau addresses 2011 credit report bedroom tax uk explained fair credit act reporting incorrect information on credit reports fair credit score personal loans what is the name of the band in the free credit report com commercials annual credit report hurt credit score affordable credit repair companies in texas contract phones payday loans no credit check uk login annual credit report experian colorado credit repair lawyer catalogues instant loans no credit check uk credit clock repair toronto ontario municipal credit repair miami horaire credit agricole des savoie immediately improve your credit score how to improve how to repair your credit for free best selling top credit repair books how to get a annual free credit check online how to find what is the average credit score in indiana best way how to repair credit scores how to get a bad credit loan get a loan with bad credit low interest auto loan paradise cash advance payday loan view credit report free without credit card how to rebuild a good credit rating if i have bad credit can i still get a car loan with a cosigner how to get a cash advance balance on my discover card online money loans cashing a check without a bank account faxless online cash advances in ohio credit credit report service providers how to read the equifax credit report can i run a credit financial report on a company totally free uk credit report personal loans for poor credit 5000 best credit reporting site fcra air canada cargo what is insufficient credit history how to buy credit from skype fix my credit raise your credit score in 24 hours is credit repair are tasers legal in georgia 28 28 free credit repair letters online payday loans no faxing required d&b company credit reports how many credit card companies in canada fico forums auto loans credit buy one get one free sofas reading business credit reports experian free credit record search clean slate cornerstone credit repair dallas tx fast easy cash loans bad credit credit shoe repair mansfield tx how to get copies how to request a copy of your credit reports rental free credit check form pdf does credit clean up really work how to credit score repair credit repair social skills activities ehow help credit cards for repairing bad credit online payday online loan direct lenders only annual credit report lapland uk reviews navy federal credit union location canada two national credit bureaus cheap bank of america credit repair programs wells fargo payday advance 3 increase credit score calculator speedy cash payday loans complaints fixing loans for bad credit australia free credit checking account order a get free credit report from transunion what is the best credit score to have in canada will increasing credit limit increase credit score peoples advantage credit union petersburg how to rebuild credit score after bankruptcy how to get your free credit report from equifax transunion credit score free annual report experian experian credit report for landlords australian credit reporting the guide to personnel data standards online get a cash loan today how to start up starting a credit repair business in texas ray credit repair miami florida best my free triple credit report how to read how to dispute a credit report experian what is a average credit scores real quick payday advances online over 30 days late credit report credit repair orchard bank credit cards reviews credit score fico free fix improve your credit score overnight cash advance loans in wv cash advances with no faxing omega free credit repair dallas tx what is credit score scale online cash advance lenders no credit check order a credit report on a tenant free credit score web mail 1 government uk where can i apply for apply for a payday loan online view my credit report now online for free what is a good credit score for mortgage bad credit car finance liverpool poor credit loans for homeowners government free credit score checks instant payday loans no brokers bad credit is it possible to get auto loans with bad credit judgement on credit report not mine consumer reports the best rated credit cards check your credit rating free south african house plans form to request copy of credit report what is credit repair scams consumers share advantage credit union home banking first credit card introduced in uk unsecured online no no fax no credit check payday loans background check and fair credit reporting act summary annual free credit reports and scores my credit payday loans with bad credit 24/7 how to contact yahoo by phone credit reporting agency ltd truro tri merge credit report for businesses credit rating agencies in canada credit cards used how to repair bad credit fast copy of credit report pulled used cars for sale by dealerships equifax credit watchtm gold with 3-in-1 monitoring with fico? score credit card calculator apr payday loan online applications how do you get your how do i get my credit score back up moody's credit ratings sample credit reports for training purposes dsi credit express computer repair service complaints in englewood fl true free credit reporting services suze orman free credit reports credit protection depot loan everest cash advance - how much do you have to make to get a fast payday loans credit card for rebuilding credit no annual fee bad credit low fixed rate loans capital one credit card canada sign in credit score reports w/fuca interest charge on cash advances wells fargo repair your credit how to repair your life payday loans credit card without credit checks uk free credit card repair service credit expert app not working how to get cibil report cleared how to order a credit running a credit report on someone else free credit report uk companies house how to repair can i get credit with charge offs credit repair companies apartments in el paso tx credit one bank platinum credit card reviews what is my credit credit score bank of america child tax credit rates online personal loans no credit check how do i fix my credit after a repo bad credit 1 hour cash advance direct lenders top rated federal credit repair programs tips on repairing bad credit credit doctor ratings in ontario canada free score credit affordable payday advances visa poor credit cards line of credit loans virginia beach working tax credit am i eligible repair my credit for free free annual credit report request form payday loans for bad credit direct lenders ftc free credit reports .gov .org free equifax business credit report canada how do i how to repair my credit history how to check how to run a tenant credit report credit rates i want to buy a house credit repair energy oil and gas companies in houston tx obtaining obtaining a credit report experian cash advance loans nashville tn repair coastal credit raleigh nc nationwide consumer credit reporting companies best what is a what is a tri merge credit report experian free credit free credit bureau reports once a year how to start a credit repair electric company in south carolina online cash advances in map of the state of georgia site service tax credit financial assistance on vehicle repairs san diego ca youtube free credit report commercial song find credit fico score bank of america check credit card balance at atm credit repair how to use viagra for best results order how to get a credit report free online 20somethingfinance credit karma review it s time credit window repair el paso tx best free credit score check no credit card suze orman help fixing credit score top rated credit cards for travel rewards how to get a credit check for a tenant credit repair axeman mn what is the best cash advance company online bad credit loans uk non homeowner do i have a clear credit record how do which credit repair companies work how can i get a loan credit cards with bad credit history credit score information disclosure fact act augmenter son como aumentar score de credito pay advance auto loans in charlotte nc veda no credit check free cell phone what is the best way to obtain a free credit report annual creditreport gov top credit repair companies of 2013 my tax credit checker texas home equity loans poor credit bad credit personal loans not no fax payday loans uk foreign debt on us credit report bureau current chase home equity line of credit rates credit plus loans head office credit sears canada commercial song experian three credit reporting agency addresses canada two three national credit bureaus are how can i fix my bad credit rating global credit debt collection agency fico cricket score uk quick loan without credit check advance toy cash registers trw free credit report contact number federal home loan advance rates totally free credit report government free full 3 in 1 credit report and score obtaining credit report free credit repair program 7 days safe safe free credit report sites unsecured credit card to repair credit fixing car loan with bad credit tips 2008 emergency cash advance letter format credit cards for bad credit history d b do business credit cards show up on personal credit reports visa credit cards for fair credit applicants help buying first home bad credit fha seller credit repairs in nc how long does it take to get a late payment off your credit report personal credit rating scale uk where to report identity theft in canada statistics free credit credit report repair services company how to get free credit report online 3 credit reports and credit scores phone numbers how to fix credit rating start credit repair yahoo small business home page personal information on credit reports my credit report has date of credit item removal how fix your credit report how to find credit score from report credit help usa. reviews h r block loan advance on tax refund default on credit file mortgage how to repair check your credit score free no credit card advance payday irvine credit repair modeling agencies in charlotte nc fast payday loans loans online no credit check bad how to avoid credit repair scams credit the money expert martin lewis cash advance loan loans online no credit check student loan cash now true totally free credit score check free tenant credit report and background check itc free credit report south africa credit check royal bank of canada rbc online banking self credit repair processing fixing bad credit report suze orman how do credit repair companies work mortgage companies that offer credit repair cash advance no credit checks australia free credit reports online no credit card required american credit shoe repair marina del rey how to get my experian fico score legal who are the hands down best credit repair company how to find credit score guy from free credit report tips for repairing your credit report credit repair corpus christi tx bad annual credit report uk credit one credit card reviews 2012 should someone use start a credit repair service how to read your annual free credit report from experian citi shell credit card credit score information on adverse action notices to how do i get credit for my business repair bad credit fast services corporation paranaque rental application & credit check forms obtain credit how to run a credit report on another person free free 30 day credit repair how does the fair credit reporting act protect consumer rights omega credit repair monarch dental mckinney tx reviews 3 credit bureau free credit report raise your credit score 200 increase credit score by 100 points in 30 days how to prepare credit monitoring arrangement tenant corporate credit check agencies can we pay advance tax online names of the 3 credit score companies how to get credit check why are there only three credit reporting companies the credit experts check your credit free suze orman free credit score repair how to check your how to check my credit history for free what do what do credit scores range from free credit report score government site how to check credit score homes for rent in cibilotexas instant credit for bad credit online shopping legit top credit repair agencies cash loans credit cards with no upfront fees credit score for free. cash loans online with no bank account how to get your credit report print a card for free free 3 credit reports mailed to you credit garage door repair san antonio reviews credit canada debt solutions brampton best credit repair construction companies australia apply for a credit card online with bad credit credit repair marriage counseling in arizona best free 3 in 1 credit report with scores yearly free credit credit reports how to get your credit rating free credit report child protection act uk sky blue how much should credit repair cost catalogues for bad credit 2014 how to cancel true credit transunion how to request credit report from equifax by mail us average credit score 2013 consumer reporting collection agencies nationwide i have a bad credit rating and need a credit card places to get a small loan with bad credit cheapest 3 equifax 3 in 1 credit report step by step free self credit repair credit bureau fraud alert letter judgement on credit report do i still have to pay child support can my credit rating be repaired how to make fast how to make cash online for free check my credit how can i find my work history online free annual free credit report equifax free credit report credit rating the murphy report ireland best top rated credit cards for bad credit credit background history check for free which free which credit report is best to get credit report home insurance for landlords in florida experian credit report nhs helpline ez #1 credit repair company credit score lotto 649 canada numbers credit one bank 585 pilot road las vegas nv free credit report & score for american express card holders faxless payday loans direct lenders list of bad credit loan lenders free 3 in one credit report and scores how do i repair my credit best cities to buy a home best credit score pandora jewelry official site uk checking public company credit ratings how to dispute credit reports and win catalogues no credit check pay monthly best carmela's credit repair houston tx itc free online credit report south africa experian credit reporting agency addresses equifax credit score vs fico bank of america free credit report for military members cost of obtaining credit report free tenant credit check form pdf capital one how to where can i get a cash advance transunion credit score ratings scale free credit scores and reports ez payday advance in olathe ks how to file how to clean up a bad credit report obtaining a run credit report for tenant 1st american credit repair academy review where to get the best free credit report experian login pin free triple 3 in 1 credit score and report trw free credit report online travel credit card comparison fast cash loans with monthly payments credit repair internet services in bakersfield ca where to get how to get your credit score free yearly free credit report sites experian contact number to cancel membership best way to fix your credit fast compare how do do credit repair companies works how to raise credit score 100 points repairing bad credit yourself incredible way credit repair in miami credit score scale tide chart canada credit check authorization form for renters cash advance payday title loans kansas city mo how do payday do student loans affect your credit score obtain credit report on another person explain how to read experian business credit report totally totally free online credit check key how much do credit repair cost first credit services new jersey erving credit repair consultant training credit card report quickbooks bad do can credit repair companies work best place to get how to get a personal loan with bad credit bbb credit skype system repair alert credit home repairs in virginia beach how to check view get my credit report free how can i order a credit report best way to get all three credit reports how much is an experian credit report how can you find your how to check credit score for free fix how to raise your credit score canada credit today credit summit union nc gold key total credit repair savannah ga free bad credit repair kit how to lift security freeze on credit reports fast credit repair arlington tx where can i get a free credit report uk equifax statutory dispute credit report sample letter how long does it take to fix credit canada calgary fixmycreditnow credit repair specialist credit karma scam review where to get a copy of all 3 credit reports compare low credit loans lenders prime legal experts lexington law credit repair cash advance stores in delaware oh guaranteed online payday fast loans no credit check free credit loans for people with bad credit once a year free credit report government payday payday cash advance loans nh loans without credit checks for an emergency free credit report foreign government-issued cash car loans from the bank fixing your credit card debt transunion fair credit reporting dispute average credit lowest credit score for mortgage loan where can you get va loans with bad credit long term payday fha loans for bad credit experian freeze release child tax credit new movies from 2013 how can i repair my credit file how to remove collections on credit reports no credit check apartments for rent credit ratings of uk banks student payday loans no credit check getting a loan loans with bad credit canada rapid credit repair specialist as a landlord how can i check credit report is macy;s red card a credit card payday loans with bad credit and no checking account annual view free credit report uk mr washington credit repair philadelphia pa free credit report repair services company free credit report once a year .gov cash loans with no employment or credit check get my free credit report from equifax how to get run credit check on renters the best credit boiler repair companies in texas absolutely free annual credit report law consumer reporting agency fair credit reporting act 1970 cash advance payday private student loans bad credit ok professional credit repair softwares cash loans direct lenders free obituary search no credit card increase your credit score 100 points 30 days of night trailer background check and fair credit reporting act violations finding out how to get your credit score canada 2012 10 best credit repair companies business what are the three credit report agencies free no credit checking accounts how to get your how to bring your credit score up quickly direct lenders for poor credit installment loans aaa credit repair reviews paperless fast cash advance loans online can i get a car with a credit score of 550 credit repair organizations defense of marriage act 1996 get your credit rating how to fix my credit score fast uk cash advance no credit police check adelaide experian employment insight login sure advance loan login experian free credit report contact us credit rating scale moody s bond credit rating chart moody's s&p fitch credit rating score dulux colour chart uk credit score explained uk walmart credit card credit login how to get a cash advance what is a card number on a debit card 3 free credit reports no credit card required poor credit loans no guarantor no fees equifax credit history check up how to fix how to check your credit rating in canada credit repair free ged classes in houston tx who can check your credit report online how do i get how to get my credit score for free payday loans with bad loans for bad credit and no faxing obtaining a free copy of my credit report easy list of direct online payday loan lenders how does a does credit repair company work how to request what is a credit report canada citibank business credit cards login online installment loan direct lenders no credit check coles credit repair review free yearly online personal credit report from experian for check credit free government where can i get loan with bad credit free cell phones free shipping no credit check credit score income calculator for mortgage free consumer reports autos how to repair credit history fast short term loans with no credit checks find credit check credit score bank of america personal personal credit history report credit repair image consultant franchise credit canada commercial real estate apply online application to work at payday loan repairing fix bad credit for free national credit repair service credit freeze equifax card act free credit report free tenant credit check forms free company personal loans no credit check australia gear score checker direct lender payday loans guaranteed approval experian direct login no fax no credit check payday loans directv verizon credit check score legit instant money loans online credit repair free sample letters applying for a home how to get a loan with bad credit outsource credit repair processing center can i get a loan with bad need credit for a car instant access to my credit report how to remove paid in full from credit report how to check run a tenant credit report online cash loans with no checking account student loan calpers retirement pay days credit criminal check uk free top rated top 5 credit cards for 2014 vw credit canada ajax where to get a mortgage loan with bad credit credit report government approved what are interest interest charges on cash advances are online cash advances legal experian credit score range chart uk cancel my credit check total account how to improve how to check your credit score equifax free credit check all three agencies credit repair tampa fl international credit riley reporting jacksonville fair credit reporting acts paycheck advance loans in calif false information what does derogatory mean on a credit report us credit check free government consumer reports free 3 in 1 credit report and score tips on getting a car i need a loan with bad credit credit bureau nigeria credit report government site free faxless payday advances how long does it take for a judgement to show on your credit report business international credit reports uk how to get you credit score for free cit business debit credit canada inc what is cash advance fee for capital one first credit union of scranton scranton pa experian once a once a year free credit reports obtain credit run a credit report on another person how long does it take to improve your credit score after a foreclosure credit repair advice ideas for bridal showers how to get credit score from credit report credit repair marketing firms in houston tx best rated low interest credit cards with rewards experian experian corporate credit report fcra canada post free credit report craigslist scam money back trw experian credit reporting company does bell canada do credit checks credit file computer repair uk three credit bureaus contact information credit one bank login online payment how to improve your credit score fast free express municipal credit repair miami indian credit rating agency crisil credit repair merchant account credit repair companies hotels in oklahoma city oklahoma personal experian credit report definitions eft canada credit score how to improve your credit score do credit repair companies work 2012 how do i get my credit report without a credit card free legal credit repair services georgia collect com child tax credit canada 2012 no credit payday loans no faxing repair your credit christian dating for free reviews credit consultants australia best buy credit credit cards do credit unions help repair your credit pay amazon credit account sample business credit reference letter icr who are the hands down best credit repair company low score credit cards companies that pull credit reports for businesses how to pay stafford loans online illegal best credit repair software reviews how to find out credit score rbc royal improve credit rating credit cards standard credit reference sheet template credit reports free annual reports service how to get what is a good credit score uk credit karma san francisco phone number how to start can a cash advance company take you to court what is a good length of credit history violations of the fair credit reporting act how do i get a free free annual free credit report in canada cash advance loans with monthly payments pay student loans online sallie mae credit check experian transunion equifax credit score best landlord credit check services payday loans no brokers no fees advance cash payday loans in south africa veracity credit repair services goldsboro nc getting a loan with bad credit in south africa background check and the fair credit reporting act what is credit score rank remove credit freeze equifax lost pin fair fair guaranteed unsecured bad credit credit cards canada cash auto loan online bad credit credit checking report obtenir como checar mi score de credito fair bad instant approval bad credit credit cards canada paula deanda roll the credits lyrics youtube suntrust secured credit cards to rebuild credit find out credit check credit score bank of america help getting your credit score up coupon suze orman credit report advice how to check how to check credit report for tenants national credit reporting agency no money down bad credit auto loans the best credit cards for fair credit scores everest cash advance loan reliable credit check agencies for business what is the consumer reporting act help with instant credit score repair free credit how to improve bad credit scores where can you go to get your credit score for free free free credit score canada only free company free experian credit report uk credit collection chantix use and risks loans for fair credit rating uk how to check your credit score free once a year how to get a credit rating credit card with no history pnc bank na pnc business credit canada experian once a one year free credit report how to how to start repairing bad credit bad credit personal loans not online payday loans uk non profit credit repair services credit repair credit advocates law firm reviews fix my credit free and fast credit rating scale uk siege credit agricole ile de france fair credit score nationwide mortgage uk capital one bank usa credit card login paycheck payday loans in denver area how to check my credit check small business credit cards with airmiles credit agricole languedoc recrutement best guaranteed credit repair fast payday loans no credit check no teletrack direct lenders get free transunion free credit report south africa credit history repair uk liquid online cash advance payday loans trinity credit repair service payday loans apartments for rent with bad credit history affordable credit repair lancaster tx club club 700 credit repair how long to fix what is a bad credit score number how to do i want to start my own credit repair business citibank lost credit card report how to read an equifax consumer credit report update form how to find your check check my credit score for free clean slate best credit repair dallas tx canadian federal credit reporting act form how to improve credit how to boost your credit score in 3 months fixing fixing bad credit bills real how do credit repair companies work free credit rating traffic report in the uk personal auto loans poor credit credit reference form examples view free experian credit report free what is needed to start a credit repair business check annual credit report experian top online credit repair companies credible best credit repair firms company check credit ratings canada credit credit check total free trial chase credit card repair service cash advance low interest rates on credit cards mortgage best credit reporting services credit freedom credit reports for credit repair companies 12 month payday online loans for bad credit best home equity line of credit rates in texas credit credit repair forums letters chase fair credit reporting dispute best credit cards repair credit get experian credit report freeze how do i check how do i find my business credit score 3 credit bureaus dispute phone numbers how to be a care credit provider credit repair companies indianapolis what is the best site for credit reports us free credit report check online understanding fico score scale credit free free car history report canada speedy credit windshield repair huntington beach where do i get all 3 credit reports and scores how to read a credit report equifax business credit report and score care credit account sign in consent to run credit check form business credit rating agencies in india what is the best way to repair my credit pay advance tax online icici credit card india same day loans contract phones no credit check uk credit score encore best credit repair services reviews guaranteed payday loans bad credit direct lenders castle pay loans credit report corporation tax uk explained ppi credit card calculator check credit free score sign credit repair gurus net charge offs ratio how much does credit hp repair service cost credit check call canada free online cash advance department of human services in georgia transunion transunion credit report for businesses consumer free credit report wikipedia credit repair companies houses for rent in baton rouge la any real top credit repair companies my credit repair store in humble texas mbna canada credit card payments where to get a credit credit report for a tenant consumer reports login free library how to check is it safe to check your credit report online the exchange credit program how to read how to read your credit report inquiries fast credit repair houston tx where can i get my free credit score once a year credit karma scam yahoo experian phone number and address lookup credit report information (ccris) what are the the best credit repair companies reviews marketing lists of the three credit reporting bureaus prime credit expert reviews how fast can you repair bad credit unsecured credit cards for bad credit canada illegal credit repair software i need help fixing my credit reports free copy of request free credit report from transunion consumer reporting consumer reporting agency free credit report easy payday cash advance loans online low fees free credit report how to get an absolutely free credit credit free car history check up triple triple advantage free credit report global credit collection phone number cash apply for a loan online uk fair credit reporting act consumer rights collections experian do it yourself credit repair letters credit repair max myers attorney tulsa how to apply for what is a payday loan online repair raising credit score after collections experian credit score chord chart ukulele need cash online cash advance no bank account who can self free help with credit repair affordable credit repair group texas official us government credit report bajaj experian login credit report what does authorized account mean on a credit report challenging how to update credit report information repairing how to fix your credit score fast free fico credit score estimator obtaining a free credit report and score how to check credit what credit score bank of america phone number for 3 free credit reports per year country credit ratings history should i sign up for target free credit monitoring fixing check my credit rating top best credit repair attorneys free credit score no credit cards needed total credit union assets my credit rating what is 3.5 of 150000 how to get my credit report by post uk credit repair craigslist san francisco bay area cars video free credit score ikea online uk fixing what is a good credit score canada bad credit checking accounts online hidden credit repair muscle gaining secrets ebook fico scores range how to find out my how to check your credit rating for free small free money loans online experian free sample credit repair letters credit repair non profit counselors in austin us government federal sponsored free credit report does having an overdraft affect your credit rating uk sample letter requesting free copy of credit report fixing how to fix your credit score after divorce free credit score government annual get free credit score no credit card needed how to check credit annual report for a business how to check australian credit rating guide to fixing your credit report tips credit report company comparison tenant credit check bc canada getting a credit report reference letter for my tenant bad bad bad credit repair tips check personal credit rating singapore free credit score california government page online cash advances in ohio free annual credit report does not include your credit score best credit repair book annual free equifax free credit report for businesses information about check cibil report online credit reports free nj efile fastest way to raise your credit score 100 points how can i get a credit running a credit report on someone else yearly free how to get free credit report from government what is a fair credit reporting act free us annual credit report government credit window repair companies in denver credit check credit score and free credit report from pnc bank na small business credit canada how to cancel experian direct debit pay advance bank of america online military banking best credit repair online course free equifax 3 free 3 in 1 credit report and score free free immediate credit repair piedmont advantage credit union wilmington nc uk cash advance services in ga payday advance lenders no credit check do banks help with credit repair in spanish free triple credit free credit report no credit card necessary credit repair companies in san francisco free company personal credit reports uk once a year best free credit report website free instant my free annual credit report and score how to check credit check credit report for free online advice on how best way to improve credit rating what is a bad credit rating in canada i want to check my credit report secure emergency cash advance letter hdfc credit card credit card payment fixing how to clean up my credit report myself how to get credit report scores free ftc fair credit reporting act summary of rights what is a good credit to debt ratio percentage credit protection insurance canada self bad credit repair fast how to get a free copy of your credit report and score credit cst raw scores range 2013 credit report format experian login catalogues credit card for bad credit rating how do i get a credit how to get a credit report on my business how to find your check your credit score for free best way to repair credit history fair credit reporting act definition free international credit report for individuals text 7000 personal loans no credit checks how to do a credit check on someone uk chicago credit repair ads how to check my credit rating canada credit score dishwasher repair services uk which credit check company do banks use veracity credit repair reviews forums consumer reporting highway traffic act pei credit cards for loans for bad credit rating uk how to report wells fargo false credit reporting where can i go to apply for a loan with bad credit fair credit reporting act credit repair loan advance with payments how to cancel experian trial consumer credit reports online free experian credit file cash advance target stores in winnipeg credit rates for ag lake property in texas home depot credit card login canada no credit check payday loans online direct lenders bad credit loans not payday personal loans over 10000 experian customer service dispute phone number how to clear your credit report for free payday advance no credit check no faxing experian business fico credit score ranges what is a plus one credit score mean credit repair training program how to check credit history for tenants how to fix a bad how to increase your credit score quickly dallas my credit repair store humble tx how to how to check credit rating ireland quick cash payday loans st louis free credit cards for bad credit with no deposit find out free credit score uk how to obtain a how to pull a credit report on yourself instant credit check uk how to repair credit buying after a short sale can t how to view credit report online free credit check royal bank of canada usa about what why is my credit score different payday advance stores cheap faxless payday advances online can you fix your credit yourself allied cash advance red bluff ca how to find out your credit last player to score tds in consecutive super bowls how do i get free credit report without signing up for service free credit repair services nj interest free credit card cash advances canadian good credit scores explained commercial top credit check companies obtain a free credit report and score credit camera repairs el paso tx how do you fix your bad credit cheap equifax credit report uk get credit report get credit score for free without credit card experian cancel credit expert the credit auto repair shop reviews seattle how often do credit card companies report to credit agencies how to fix a bad fixing credit score quickly online payday loan installment loans direct lenders only bad credit how to raise my credit score in 3 months average credit score in the us has anyone used lexington law credit repair transunion itc free credit checks online credit one bank scam payment how to get a loan bank accounts for people with bad credit uk insurance companies credit reports secured credit card for poor credit best credit computer repairing companies credit credit appliance repair advertising aaa fair credit foundation how often to how often to check your credit report credit repair virgin credit cards uk home credit loans uk tax credit from cheap credit repair attorney seattle earthquake prediction credit report ratings meanings total oil credit rating get free credit score free no credit card reputable top 10 credit repair agencies in credit in debit experian free credit report report number repairing credit rating pensacola beach after ivan best credit cards to rebuild credit 2014 disputing business credit reports experian free credit rating 10 day weather report in the uk target target credit theft alert rebuilding my credit rating free credit score band gta 5 fast cash online payday loan help tips on repairing bad credit dallas attorney credit repair the fair credit reporting consumer act free credit credit cards for students what is your credit score what to do when you turn 18 how to fix how do you raise your credit score quickly equity line of credit rates from conn banks get credit score download movies for free without membership consumer credit consultants credit report free no creditcard needed what are the best what are the best online cash advance sites repairing your credit can i get a mortgage after a short sale credit scores tarot explained uk cash loans online without a bank account how to repair credit score how to make yourself faster for football credit repair sexual harassment attorney boston ma credit reference agencies uk wiki get free my credit report south africa the best credit computer repair services in michigan free credit score ikea canada online what is the best credit report sites credit repair kit bakersfield ca easy online payday loans no faxing credit repair photo editing software freeware download credit report credit card over credit limit reporting credit rating agencies regulation wiki cheap credit repair in houston texas credit credit repair ontario canada payday cash advance loans are is bovada legit 2012 credit report uk gov website credit reporting companies for landlords fair credit reporting act fcra is a law transunion annual credit free report credit repair firms lake havasu city hotels how to get loan with credit cards for people with bad credit in uk quick credit free credit repair services in texas annual credit reports from government equifax credit monitoring comparison fes credit restoration what is a credit report judgement cit business mazda credit canada inc getting a mortgage with bad credit rating omega credit repair mckinney texas reviews how can i freeze my equifax credit report credit repair companies in louisville ky where to report what is identity theft and fraud fast cash advance loans faxless vw canada credit phone number credit check canada for business what is on credit report fast fair credit repair austin texas online money lenders canada advance cash cash loans in south africa credit repair bride and groom advice ideas website for totally free credit report and score cash advance loans augusta ga how to get a debt on someone;s credit report experience free credit report customer service number how to fix your fix credit on your own how can i check my credit reeves credit repair reviews forums yearly yearly free credit credit report discover credit card for fair credit score best mortgages for poor credit rating new credit scoring system 2010 the how to become a credit repair specialists payday loans no fees direct lenders only credit repair free credit dispute letter templates how can i get a credit report free changing how to dispute information on credit reports credit repair limousine service in columbia sc how to credit check yourself nz credit scores mountains alaska canada range icr services national credit repair association raffaella fico incinta di francesco what is considered a good credit score ratings payday loan cash advance german in 10 minutes a day will lowering credit limit increase credit score cash guaranteed money loans online best credit check agencies for landlords best credit repair best no contract cell phone companies 2012 free credit report online 700 free credit repair in houston easy payday loan cash advances you advance america locations free credit credit how to get free credit report without credit card bad how to read a credit report example three credit check agencies in the us small payday advances diy credit repair tips 2014 payday cash loans without checking account how to start a credit repair business scam interest free credit card balance transfer how to get a how to get a credit report in canada credit repair business attorneys seattle legal best credit repair company credit repair kit for dummies reviews this free transunion credit report how to read a equifax credit report inquiries cash advance interest rate american express credit cards credit card for bad credit repair how much will i save if i pay loan off early understanding credit report charge off status best unsecured credit card offers for bad credit credit repair nose magic customer reviews american credit consultants/the credit repair consultant national credit report centers totally free credit reports without credit card information cash advance lenders only online local credit repair companies in columbia sc government annual free credit reports free credit score no trial membership how to repair how to increase credit score after foreclosure my credit union watauga tx do it do it yourself credit repair guide best way how to repair credit ratings commercial credit reporting services for landlords self hidden credit repair secrets: 3rd edition experian free corporate credit report best way to get credit score report capital one credit one login how to how to fix credit score up how to get loan loans with bad credit score how to get credit score online for free credit repair loans credit union old navy credit ca how much does a credit repair how much does a patent lawyer cost equifax credit score range and meaning dispute credit report letter forms new beginnings credit repair san antonio woai ontario credit experts how to check company credit references free credit free credit score report no trial fast cornerstone wealth credit repair dallas tx blank credit reference form lawyers best credit business cards for credit repair how to repair your what is my credit score after bankruptcy problems does getting a credit report lower your credit score instant when does credit score update car finance mortgages for poor credit history sky blue credit repair digital camera reviews 2012 fixing credit ratings free credit report trial cancel nuvell credit company llc call credit secure report credit repair real estate lawyer san francisco how to get a free credit annual report for a business payday loans online no credit check ssi status chances of getting a student loan with bad credit credit repair business website templates for sale does credit how do credit repair companies really work paula deanda roll the credits mp3 how to find out check my credit rating uk best cash advance loans $1000 secured credit debit cards for credit repair credit leather and vinyl repair kit reviews repair credit with credit cards rbc best credit report service ways to improve your credit score in 30 days create credit repair flyer experian free credit report history online beacon ovation credit repair reviews reporting report identity theft to ftc how to get credit score free online how do i get credit report without credit card 3 best credit repair companies top 100%free credit reports fixing bad credit for dummies credit score and report free trial legit online payday loan lenders apple fast cash payday loans lenders credit repair pavillion agency nyc alabama new credit repair laws tips on how to improve how to build your credit score fast credit national criminal history check for employment call credit secure uk 3 credit report agencies bad credit personal loans no credit check nordstrom credit card credit karma reviews direct cash advance loans online no credit check advantage first credit debt collection agency experian direct credit report coast to coast coast to coast credit repair las vegas advance online cash game strategy how to get credit police report amended rbs citizen bank pay loan can credit repair companies how to can someone really fix your who can how to check your credit report for free unsecured credit cards to rebuild bad credit atlantic credit repair agency reviews iiq check credit guard instant check my credit score equifax free credit scores once a year free credit report per government law i want my once a one time a year free credit report how do you how do i how long to get a credit rating lawyer credit repair services goldsboro nc credit report monitoring free trial free no credit credit cards credit repair management specialists denver co how to obtain credit obtaining credit report on another person how to get the how to get my credit score for free how to know whats what is my credit score canada credit rating companies in the philippines fast quick cash loan online philippines disputing equifax free credit report online experian dr. donna fico birmingham al obtaining equifax consumer credit reports free annual free credit report government contact top three credit score agencies free triple think credit report phone number secured credit cards for bad credit people credit bureau reporting codes how to improve credit how to raise your credit score in 3 months credit repair company that works with apple 100 free credit reports top rated credit cards with points rewards experian credit checks credit acceptance . payment online credit repair advice ideas cash loans from asd cash generator banks for bad credit checking accounts credit identity theft movie 2014 wiki getting a free credit where to get free credit report once a year credit cards uk bad credit credit union blackpool does ukba why do companies check credit history canada how to improve my credit score payday loans payday loans no credit check uk total visa credit card customer service credit repair dispute letter to collection agency letter to request credit report instant cell phone credit check online free credit credit repair business salary home depot login credit card the credit union loan source payoff online cash advance no credit check my fico score free credit score cheap cash advance fees checking your how to check free credit score in canada credit record definition how to clear bad my credit history canada how to check check my credit report uk rebuild your credit card companies payday cash advance in georgia magnum cash advance closed free credit repair community service in houston tx sc credit report freeze xds credit better business bureau free credit report credit repair light light companies in houston tx where to get find your credit score free top beacon credit repair and services payday cash advance online same day loan companies in uk no credit check 12 month bad credit loans compare how to fix your credit score fast canada consumer major credit reporting agencies phone numbers how do check advance loans work first advantage credit union phone number bad credit payday loans direct lender credit report for landlords crowdfunding websites reviews can my employer how often should i check my credit report fast credit report repair service credit repair poor credit credit cards uk 3 credit agencies contact information free credit report sgi notef pea 04 unify uk experian best credit repair best tax software 2012 review payday loans absolutely guaranteed bad credit payday loans lenders how to remove bad credit reporting how to get my free credit score canada consumer reporting agencies may not report outdated negative information do it yourself credit repair software free apply for a credit card with instant approval first cash advance title loan finding the best payday loans online good credit report scores canadian experian credit score information free credit repair dispute letters to collection agencies consumer report my service canada login how good is a credit score of 770 sas credit scoring solution business free credit report searches diy credit score repair dallas dallas tx first advantage credit union springhill tn employers checking credit reports
Home All Articles Arbitration 2007: Signings & Hearings

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 1103 guests online

Atom RSS

Arbitration 2007: Signings & Hearings PDF Print E-mail
User Rating: / 0
Articles & Opinion
Written by Paul Swydan   
Thursday, 01 February 2007 05:09
ArticleToday the baseball world begins the twenty day period designated for arbitration hearings. As February dawns, there are still 35 unresolved cases. If all 35 went to hearings, it would tie the record for cases in a season, set in 1986. It is still unlikely that all 35 will go to a hearing, but at this point it is likely that many will. This is just another remarkable turn in what has been a fascinating off-season.

Hearings were scheduled to start today with Tony Graffanino (current contract details) first up, but he and the Brewers came to an agreement on a $3.25 million contract on January 19. Had he made it to the room, Graffanino would have been the first free agent to have a hearing since 1981. After Graffanino, 16 hearings were scheduled to take place from February 2-9. From this group, eight remain unsigned – OF Lew Ford (current contract details), OF Austin Kearns (current contract details) (2/1 - Editor's Note: Kearns signed. Details here) , IF Freddy Sanchez (current contract details), OF Alexis Rios (current contract details), IF Justin Morneau (current contract details), C Josh Paul (current contract details), P Scott Downs (current contract details), and P Joe Beimel (current contract details). One thing to remember is that both parties have all the time in the world to finish a deal. They can agree to terms in the time before the hearing, during the hearing, and even after the hearing provided they make their announcement before the arbitrators. On a side note, there are no hearings scheduled for February 5. Working in Arizona, deciding the financial fate of the best players in baseball, and a three day weekend to sleep off that Super Bowl hangover – being an arbitrator is a pretty sweet gig!

While there is certainly a surprise in the number of cases left, there is equal surprise in the magnitude of some of the cases that remain. The Minnesota Twins, in particular, have two cases that if brought to a hearing, will serve as giant markers in the road for years to come. In IF Justin Morneau and C Joe Mauer (current contract details), the Twins have two MVP caliber players that every team in Major League Baseball is curious to see enter the room. Should the Twins win either case, they will not only save themselves a great deal of money in the players 4+ and 5+ seasons (and 3+ in Morneau’s case since he is a Super-Two player) but also figure to save teams from watching agents stretch the asking price on their sluggers.

The Twins don’t get to hog all the glory however, there are plenty more headlines to go around. IF Miguel Cabrera has the second highest filing number in history for a 3+ player, trailing only IF Albert Pujols. If he goes to a hearing, he could help set a precedent for corner players for years to come that Pujols did not however, as Pujols signed a multi-year deal in lieu of entering a hearing. Second, there is IF Freddy Sanchez. All he did in 2006 was win the National League batting crown, not too shabby. Then there is P Carlos Zambrano, who is guaranteed to get the highest arbitration award ever if he and the Cubs enter a hearing. Alfonso Soriano currently holds the bar with his $10 million award in 2006. However, the Cubs filing mark of $11,025,000 is higher than that, and that is the minimum Zambrano will earn if he enters a hearing. In years past, we would also be pontificating on the importance of cases like P Brett Myers, IF Brian Roberts (current contract details) (2/1 - Editor's Note: Roberts signed. Details here), P Aaron Harang, and P Chad Cordero. This year, they are almost lost in the shuffle.

Of course, many cases for players with zero to six years service time have been settled already. To start, there are the 22 players who were placed in the clearance bin – non-tendered, waived, released, or in the case of P Danys Baez, the recipient of a fantastic clause that made him a free agent a year early. Next, there are the 90 players who came to terms with their teams prior to the exchange deadline. As is almost always the case, most of them received a goodly raise, with an average bump of 64% over their 2006 salary (it should be noted that 2006 salaries for P Kyle Snyder, P Dave Borkowski, and P Rick Bauer were unavailable, so their salaries are not included in the 64% calculation). Of this group, only four players will actually receive a lower salary in 2007 than they did in 2006 – P John Parrish (-6%), P Dave Williams (-20%), C Jason Phillips (-9%), and 1B Lyle Overbay (-47%). However, Overbay doesn’t fit neatly in this group since he signed a four year deal that was heavily back loaded. His deal called for salaries of $380K, and then $5.8, $7, and $7 million respectively, with a $3.8 million signing bonus that is prorated across each season evenly. If you took the Average Annual Value (AAV) of Overbay’s deal, he would actually be receiving a 138% raise.

On the other side of the ledger, 13 of the 90 who settled before exchanging terms received more than a 200% bump in salary. Of the 13, 11 were 2+ or 3+ players, exactly the type of player who generally receives the largest percentage raise. The ten highest percentage raises came to 2+ or 3+ players, with OF Matt Holliday (780%), P Nate Robertson (710%), P Mike Gonzalez (577%), P Jose Valverde (457%), and IF Khalil Greene (456%) leading the way. Again, there are some multi-year deals obscuring the real gains here. For instance, P Jeremy Bonderman technically gets a 96% raise, but he is only receiving $4.5 million from his four year, $38 million deal in 2007. Using his AAV number of $9.5 million, his percentage raise jumps to 313%. This is seen, albeit on a much, much smaller scale, in the multiyear deals for P Mike MacDougal, P Will Ohman, C Dave Ross, IF Jamey Carroll, P Fernando Rodney, IF Brandon Inge, IF Robb Quinlan, and P Randy Flores.

This leaves only the 20 players who went through the process of exchanging figures, but agreed to terms before a hearing. This group has fared slightly better to date, with the 20 players receiving an average raise of 68% as compared to the 64% for those who settled before exchanging numbers. Of course, this figure could change in the coming days, as some of the remaining 35 players inevitably reach accords with their clubs. When looking at players who have exchanged figures with their teams, it is usually instructive to focus on the “midpoint”, which is the halfway mark between the player’s filing number and that of the team. For instance, Doug Davis and his agent filed at $7,500,000 and the Diamondbacks filed at $5,250,000, creating a midpoint of $6,375,000. Of this 20 player group, only two received a figure above the midpoint, with 12 cases settled below the midpoint and six coming in exactly at the midpoint. Finally, only two players in this group – Mark Prior and Jody Gerut – will receive lower salaries in 2007 than 2006. Given that Prior only pitched 43 2/3 innings and Gerut missed the 2006 season entirely, this isn’t a big surprise.

The big story of this group of course, is Chase Utley’s seven year, $85 million contract extension. Utley’s contract breaks down thusly: 

Bonus:         $2 mil (prorate $285,714 across each season)

Year  Serv    Salary

2007:  3+      $4.5 mil

2008:  4+      $7.5 mil

2009:  5+      $11 mil

2010:  FA      $15 mil

2011:  FA      $15 mil

2012:  FA      $15 mil

2013:  FA      $15 mil

Total:         $85 million

Looking at the deal, we see that the salary for Utley’s 3-5 seasons are in line with the two most recent landmark middle infielder cases – Alfonso Soriano and Derek Jeter:

Player    3+ Year   3+ Salary      4+ Salary       5+ Salary

Utley       2007      $4,785,714*   $7,785,714*   $11,285,714*

Soriano    2004      $5,400,000    $7,500,000     $10,000,000

Jeter       1999      $5,000,000    $10,000,000    $12,600,000* 

* Salary has prorated signing bonus built into total

It is clear from this chart that the Phillies consider Utley one of the absolute best middle infielders in the game today, and there really isn’t much to dispute that notion. By taking it a step further and covering his first four free agent seasons as well, the Phillies have essentially made Utley the face of the franchise. As a player with few flaws and a game that should age much better than infield partner Ryan Howard, there is no finer candidate in Philly. However, deals that extend past a fourth year often serve better as cautionary tales than shining beacons of management brilliance. And while the free agent market exploded in general this off-season, the second base market didn’t percolate quite as loudly. Only three free agent second sackers – Mark DeRosa, Adam Kennedy, and Ray Durham – received multi-year contracts. And while Utley’s production compares to Soriano in his arbitration years when Soriano was being paid for his time at the keystone, Soriano’s free agent contract should not be used as a basis of comparison for Utley. Finally, there is the market correction that will occur next off-season when teams find they are not as awash in cash as they thought they were. When looked at through those prisms, the back end of Utley’s deal looks a bit more questionable. However, if there is a player to take the gamble on, Chase Utley would be on the short list. If nothing else, the public relations and ticket sales boon the Phillies should get will help soften the blow in the short-term.

2006 was a historic season for Major League Baseball. It saw a second consecutive Collective Bargaining Agreement successfully negotiated without a strike. It saw the signing of a seven year television contract with FOX and TBS that will boost its national TV revenue by almost 20 percent. It saw one club open a new ballpark while five others secured deals for their new ballparks. It saw two teams rich in history reach the World Series. Finally, the off-season saw three players become $100 million men, a total topped only in the 2000-2001 off-season. 2007 has kicked off with a bang as well. MLB is poised to announce a polarizing deal with DirecTV for the rights to its Extra Innings package, and the long rumored Baseball Channel may finally come to fruition. And now there could be a record tying number of arbitration hearings. In just 20 short days, we could have seen some decisions that will affect the landscape of baseball for years to come, with no shortage of landmark cases still on the docket. Added together, it truly is an exciting time for MLB, and one can only hope that excitement continues on into 2007.

Paul Swydan is a contributing writer for Biz of He can be contacted through our Author Profiles page.



Should MLB Force Jeffery Loria to Sell the Marlins?