Credit Card Companies Are Closing Unused Accounts

Several GRS readers have written lately with the same credit card problem — but not the one you’d expect ... on to the accounts since they help my credit history. I just got some bad news about my oldest credit ... . And for my past loyalty they’re willing to potentially make me take a major hit on my credit score [more...]

Date: 2009-01-06 19:00:00

Blog posts (185) | Videos (89)
 

debt on a holiday

one of the problems being faced by people nowadays are bad credit reputation, be it on credit cards or phone bills and from other loan institution ... . and this are for people who are looking to get emergency cash right to their checking account safely ... their credit capability and hopefully their future, financially speaking. [more...]

Date: 2008-10-27 14:03:42

Things Credit card Holders need to know .

About A No Balance Credit Card Having a credit card is a good thing though it can often prove quite hard to get one, ... to find those that do offer enough incentives. For the no bank credit card accounts another good ... in getting your application approved and bad credit will certainly make it virtually impossible to obtain [more...]

Date: 2008-12-15 07:48:33

September 2008 Financial Status / Net Worth Update

Finally got around to adding up the numbers for the last month: ... I have the ability to pay the credit card balances off, I choose not to. Retirement and Brokerage accounts The bad ... Credit Card Debt If you’re a new reader, let me start out as usual by explaining the credit card [more...]

Date: 2008-09-08 12:51:08

Quick Bad Credit Loans: Fast Financial Aid for Bad Credit People

People suffering from several debts like defaults, IVA, bankruptcy, etc. can easily avail quick bad credit loans. Borrower can get the money in their bank account within a day. To avoid extra burden [more...]

Date: 2009-01-13 12:56:21

Non ChexSystems Banks

by Dan Moskel If you have been placed into chexsystems you are in a difficult spot ... a review of the tribute credit card an unsecured bad credit mastercard. ... you do have an alternative to a checking account. You can get a prepaid credit card that will give [more...]

Date: 2008-12-02 13:43:19

When you overdraw your checking account does that effect credit??

don't mess with your credit That is exactly what someone plugged into a search engine to get to my site! I love it - bad grammar and all ... the bank is going to report you to the credit agencies. But if, however, you continue doing so every ... account does that effect credit??" hangin' out in the wind. My post on overdrafting sure didn't [more...]

Date: 2008-09-10 16:07:32

What Exactly Is Credit Scoring?

Credit scoring is nothing new, it’s been used for 4 decades. Credit scoring is an fundamental aspect of life ... years ago. As soon as all your accounts are cleared you can begin to apply for a bad credit or no credit visa Master Card. This will be helpful for a individual to begin gaining a marvelous credit [more...]

Date: 2008-12-22 21:03:43

How I Got Bad Credit

July 31, 2009 | By Frances Lexington In Finance | by Frances LexingtonA few months, I went through some rough moments in my life. I got laid off after the company I worked for went down. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies.My life became a living hell of collection calls and non-stop harassment from debt collectors. [more...]

Date: 2009-07-31 23:37:24

Refis

On the eve of the closing for my refinancing, I notice this from the W$J: ... their monthly mortgage payments on account of the fact that they have bad credit. Wouldn't ... can't meet the credit hurdles and won't get approved. My friend and mortgage broker told [more...]

Date: 2009-01-15 16:42:15

Cash Envelope System for Budgeting

Is the cash envelope system for you? ... people with their little envelopes labeled “Food” and “Gas”. “Hmmph! They must have such bad credit they can’t even get a bank account!” is exactly what I thought as I swiped my credit card through [more...]

Date: 2008-10-04 10:00:18

Alabama Used Car Loan Bad Credit No Credit

Used car loans are very useful if you can’t quite afford a brand new car in Alabama, and are seeking finance for something more within your budget ... your affordable payments. Another aspect of owning a used car to take into account when considering ... that it is not in immediate need of repair. Then figure out your maximum monthly expenditure, [more...]

Date: 2008-12-19 13:50:45

Procrastination will kill me, but I am not ready yet...

Doing my bills this morning, as I try to correct the yaw in my course - and I look at my annual percentage rate on one of my credit cards... yikes! ... that bad boy into bits. Step one taken, sigh. No wonder there is a credit crisis - who could pay ... my checking account. [more...]

Date: 2009-01-05 16:06:00

Study More About Unsecured Debt Consolidation Loans - Avoid Being Rejected

Unsecured loans with bad credit can be the answer for anybody who is having problems managing their expenses and does not have anything to offer as ... people find that they have many small debts on credit cards, store accounts, plus car loans, etc ... get a consolidation loan at a lower rate of interest than many of your other bills. Credit cards and [more...]

Date: 2008-12-29 15:51:16

Russ Randall on the Economy

Last night I heard an interesting presentation by Russ Randall on the economy ... began to correct from about 1999 till about 2002, when the feds again started cranking out easy credit. So the bad news, by Randall's account, is that the economy is going to get seriously worse before [more...]

Date: 2009-01-15 22:00:22

Are You Really Ready To Invest?

Investing involves risk.  So before you strike it rich, it’s important to make sure you’re not going to lose everything on one bad stock pick ... out of your checking account every month.  If you don’t see it, you can’t spend it! Emergency Fund Management ... up.  Not having a job is bad enough.  Ruining your credit while not having a job is just [more...]

Date: 2009-01-16 09:43:09

Who’s Being Held Accountable by Rambling Raven

Who’s Being Held Accountable?       by Rambling Raven                             What a start to 2009 ... to the rescue? Everyone I know who has bad or questionable credit can’t get a store department credit ... of the U.S. economy and over the weekend five students were shot here in Chicago following an argument [more...]

Date: 2009-01-10 21:41:40

Capital One Will Ruin This Guy's Credit One Way Or Another [Capital One]

Joseph is having problems paying his Capital One card, mainly because Capital One keeps making it hard for him to pay it, ... May when I called to ask them to fix my account once again, and they claimed I had a bad check ... credit, I don't see how this is possible seeing as I had been paying the minimum amount each month [more...]

Date: 2008-06-25 23:24:23

Merchant Services Charge-back Horror: Why Paypal Ia The Only Way:

_3248 Creative Commons License photo credit: David Boyle in DC There are reasons why I had the outrageous gall to re-start my online marketing ... ), those customers can decide to lie to the banks at any time, about an e-check, or a credit card payment ... to our merchant account when that happened. As if it wasn’t bad enough that people stopped [more...]

Date: 2008-11-01 17:55:10

Building New Credit For Credit Repair Success

By katie George Build New Credit Now The most common credit repair mistake people make is putting off building new credit ... with MasterCard, Visa, American Express, and Discover. Avoid store cards and consumer credit like furniture ... . If bad financial times have left you without open accounts you must start the rebuilding process [more...]

Date: 2009-01-03 16:29:15

Obtain A Second Chance Checking If You Have Financial Troubles

by Steven J. Talrechi If you’ve had financial problems that have made you ineligible for a checking account, don’t despair. You’re not alone ... or Visa credit cards do. If you opt for just the debit card, a voided check will be included in your set ... , as can a bad credit history. If you’ve been reported to one of these systems and you can no longer [more...]

Date: 2008-09-24 19:43:06

Iowa's business climate: relatively better, actually worse

The Tax Foundation's new state business tax climate rankings came out this week ... into account. What about targeted incentives? We asked Mr. Barro whether the Foundation gives credit ... noted film credits as an especially bad way to "cut taxes." He notes, for example, that Michigan [more...]

Date: 2008-10-09 14:28:05

Unsecured Personal Loans Don’t Need Collateral

by Dave Davis Putting up the collateral for a loan is often a very scary experience ... that have a solid credit history. For people that have bad credit, there is another type of unsecured loan called a payday loan. As long as the borrower is employed and has a checking account, they can usually [more...]

Date: 2008-10-15 18:59:28

Second Chance Bank Accounts

With the economic downturn raging, plenty of individuals have found themselves in either short-term or long-term monetary trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial problems. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is stopping you from achieving a better financial outlook. [more...]

Date: 2009-09-28 15:51:01

5 Ways we Lie to Ourselves about Money

We’ve talked about the different ways that our brains and the way we think can work against us when it comes to money, ... , but it only really takes one bad one to make it a lie. 2. Spending money before we make it: With easy credit ... : This has become easier with time. We have accounts with one bank, credit cards with another [more...]

Date: 2008-07-21 03:28:12

Don’t Pay Off Bad Credit

Step three in the “Should I Buy a House Now” series is somewhat of a sidetrack ... towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long time ... your bills on time, that you have good credit.  Paying your bills on time only accounts for 30% to 35 [more...]

Date: 2008-11-11 17:02:59

Second Chance Banks, Alternative Banking, Alternative Banking Accounts

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-30 11:25:05

Second Chance Banks, Alternative Banking, Alternative Banking Accounts

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-30 11:18:06

Even Paranoid Racist Nutjobs Have Bad Days

(Note: The cell phone provider I worked for does not have call centers outside of North America ... you for calling C*** Wireless. How can I help you?” Customer: “I want a credit to my account.” Me: “Well ... Mary, Florida.” Customer: “I want a credit because the last person I spoke to from your company [more...]

Date: 2008-06-07 17:35:14

The Fannie/Freddy bailout

It’s almost as if the feds are trying to flush the economy down the crapper ... holders of U.S. Treasury bonds. -Higher rates are bad for anyone with a mortgage, credit card debt, a home equity loan, a margin account, etc. -Higher rates also increase the government’s debt burden [more...]

Date: 2008-07-15 01:21:54

E*Trade on the Brink - Seeks $800 Million from TARP to Stay Solvent

Battered E*Trade banking on government fundsFri Nov 21, 2008 5:15pm ESTBy Jonathan SpicerNEW YORK (Reuters) ... U.S. government funds that would bring some relief to its book of bad mortgage loans.Shares ... situation. E*Trade Bank offers credit cards, savings and checking accounts, and mortgage and home equity [more...]

Date: 2008-11-22 21:26:00

Mortgage mods, failing miserably

Mortgage mods, failing miserably! I wrote a blurb about the re-default rate on modified mortgages a few weeks ago. Today there was a better and more detailed account of just how bad the track record ... replaced lower mortgage payments with increased credit card debt? Is it because the mortgages were [more...]

Date: 2008-12-09 01:03:00

Rules for the Kansas City Obama Rally

The Rally for Obama on Saturday is going to be huge. They're expecting tens of thousands of people ... sewers. Just like Mayor Funky, give him a lot of credit for pointing out a problem rather than holding him accountable for fixing it. Overall, despite bad parking . . . It should be a great time [more...]

Date: 2008-10-17 11:47:39

Cramer Warns to Lay Off Stocks Until Dow Hits 8,200

The shock and awe of the financial market meltdown is just beginning according to CNBC star Jim Cramer. Cramer on CNBC's Sept ... in an environment with tough credit and sold products that would still be in demand during a bad ... -insured banking accounts. "You will get through this OK," Cramer said. "You'll lose money, but you'll [more...]

Date: 2008-09-30 00:49:52

MS Office Passwords and Password Recovery Programs

By Albert McZeallyAll of us want to protect ourselves. At home we have fire alarms, sprinklers and burglar alarms to keep our families safe ... for something untoward. Anyone who keeps financial information such as credit card or bank account numbers ... that you forgot the password. Although writing down your passwords seem like a bad idea, if you are [more...]

Date: 2009-01-06 22:04:00

Tort - Defamation - Wrongful Discharge - Consumer Protection Statutes

A former director of national accounts for a company that provided credit screening and customer leads to car dealers, who claims he was unfairly blamed when the company lost clients after it turned off its credit screening to boost leads during a market downturn, cannot sue for defamation for the general manager’s alleged directive to “blame it on Craig” if dealers asked about the bad leads, but he may sue for additional alleged statements about blaming the filter deactivation on plaintiff, his [more...]

Date: 2009-08-24 11:52:59

Links 1/11/08

Ants 'get aggressive with cheats' BBC U.S. Rejected Aid for Israeli Raid on Iranian Nuclear Site New York Times. I have said so many bad things about the Bush crowd that I must give Bush credit for a good ... As The Current Account Deficit Gradually Eases Back Global Economy Matters Why Are the Media More Interested [more...]

Date: 2009-01-11 08:49:39

Financial Crisis Hits Gulf States

Large current account surpluses do not mean a country's are on a sound footing, as Japan, China, and now the Gulf States illustrate ... in its own credit crunch. But it was currency trades -- not bad loans -- that plunged Kuwait ... the fallout of the global credit crisis on its citizens, said it would funnel some $2.3 billion in loans [more...]

Date: 2008-10-27 02:02:21

One-Stop Shopping Calamity

The news that Citigroup is considering selling half its Smith Barney brokerage unit to Morgan Stanley is seen as evidence that Sandy Weill's plan for ... from one financial institution. Credit cards, checking accounts, mortgages, brokerage services ... a one-stop financial shop is officially dead. But the financial supermarket is the bad idea [more...]

Date: 2009-01-12 18:00:00

Goldman Sachs Predicts Loan Losses Will Top $2 Trillion

Despite all the hoopla about stimulus plans and bailouts rescuing Americans’ home equity and retirement accounts, ... of $780 billion. Add in losses from commercial real estate, credit cards, auto debt and business ... on bad overseas loans that they hold. And it looks like more bad news about loan losses will be coming [more...]

Date: 2009-01-15 23:05:05

How to Understand Credit Report

How to Understand Credit Report posted on January 8th, 2009 Now that you have obtained your credit report, ... the company name is a description of the type of account (such as student loans, credit card or line ... the first thing you need to do is read through it and understand what it all means. Don’t feel bad [more...]

Date: 2009-01-08 08:35:23

Frugal Friday

Frugal Friday Christina Tynan-Wood on Oct 31 2008 | Filed under: Uncategorized The economy is bad, right? ... to my Visa card at a place called Mary’s Sandwiches, it guessed “Dining.” It did a good job, too ... passwords) giving Quicken the log-in information for my credit cards, bank accounts, and loans [more...]

Date: 2008-10-31 18:09:07

On The Power Of Barter...

I really like bartering. I trade my labor and my vegetables for free-range chicken and eggs, and organic beef (and manure compost) ... : “We allow direct debit, cash, cheque, credit card. But barter? It’s unheard of, sir.”My accountant ... , I’ve been thinking recently about doing without money. Not in a bad way. Oh no: I’m planning [more...]

Date: 2009-01-13 00:59:00

Payday loan, emergency cash money

Applying for a loan and getting it in your hands has a lot of gap in between ... salary should be above £1,000 per month - You should have a current checking bank account ... , depending on your income. The repayment term is usually a week to a month. If you have a bad credit [more...]

Date: 2009-01-03 00:33:35

VeraSun Files for Bankruptcy Protection

VeraSun Files for Bankruptcy Protection By Tom Zeller Jr. ... in production facilities.” Among those events were the global credit crunch and bad bets on corn prices ... VeraSun Share Price The VeraSun Energy Corporation, which accounts for roughly 7 percent [more...]

Date: 2008-11-01 13:41:56

Treasury Check Kiting Latest Bush Debacle

President Bush has done an excellent job defending the US ... with no accountability wasn’t bad enough, now they’re pumping $6 billion into just above subprime auto loans: GMAC ... 7 years now.  For this, he deserves a great deal of credit.  But for all that, his domestic policy [more...]

Date: 2008-12-31 03:35:22

Lost your job? Don't lose your cool

Times are tough for a lot of businesses these days, ... accounts or run up a big credit card bill. Doing so is a recipe for financial disaster. Read ... of corporate cost-cutting. As bad as things may seem, there are some things the newly jobless [more...]

Date: 2008-12-29 03:12:15

Special extra minutes for you from Hot Movies For Her

Uh, did you see the photo in that ad? It comes from one of their films, Post Apocalyptic Cowgirls, and no I am not kidding ... tattooed, gritty post apocalyptic cowgirls dressed in leather, boots and bad attitudes cross paths ... up for an account through this link and it’ll give you twenty minutes FREE. You do have to enter your credit [more...]

Date: 2008-12-13 03:40:26

Retirement funds lost $2 trill. in 15 mos

by Frank James How bad has the damage to the retirement savings of Americans been due to the financial markets meltdown and the slowing economy? ... from retirement savings and budget analysts on how the housing, credit and other financial troubles ... accounts -- like 401(k)'s -- have lost some 20 percent overall since mid-2007, he estimated. Private [more...]

Date: 2008-10-07 21:04:34

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]

Date: 2009-01-14 13:00:09

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