Credit clean-up

"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... on your credit report. Credit repair companies can negoitate a repayment plan and might even get fees removed ... of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit [more...]

Date: 2008-10-27 19:40:13

Blog posts (504) | Videos (58)
 

Recognizing a Credit Repair Scam

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * Before they provide any credit repair services, the company wants [more...]

Date: 2009-01-16 06:24:58

Don’t let Credit any Credit Card Company Keep you Down

by Denzel Abintenk Unfortunately it is very normal for people to get themselves into severe debt using their credit cards that they require the ... and quickly find yourself in exactly the same position again. Credit card debt is a vicious circle, once ... of a credit repair company might seem like a good idea however it will almost certainly damage [more...]

Date: 2009-01-14 20:27:27

Does Mobile Marketing Infringe on Your Privacy?

Naturally, privacy watchdogs answer the question in this post title with a resounding “Yes! ... a new car recently, and went on the mobile phone looking for a lower-interest credit card,” said Jeff ... to know that? Marketers for fast food companies, car insurance companies or credit card companies? It’ [more...]

Date: 2009-01-13 22:52:51

Credit Cards are for Emergencies!

I haven’t written a post for my series, “A Family Guide to Living on Less” in a while, so I thought it might be time! ... In? Luxuries and Necessities Creating a Budget The coca-Cola company photo credit: The coca-Cola company Most Americans view credit cards as a child sees Santa Claus. The child enjoys the presents [more...]

Date: 2008-08-07 00:45:45

Should I Use A "Credit Repair Clinic"?

No.   There are a couple of reasons to avoid credit repair clinics.    First, you don't need them ... the negative information is removed from your file - but you don't need a credit repair company to tell ... hates credit repair companies.  In an interview with Bankrate.com the FTC's Jodie Bernstein said [more...]

Date: 2008-12-27 18:02:59

Identify Credit Repair Scam in 6 Ways!!

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * The company wants you to pay for credit repair services before [more...]

Date: 2009-01-16 06:23:45

Bad Credit Doesn’t Mean No Credit

by Chris A Smith Just because you need help with your credit report does not mean you are automatically excluded from getting a new line of credit. Each lending institution, be it a credit card company or a bank, has it’s on rules regarding the granting of credit and often times these can vary greatly from institution to institution. Usually, the company offering the best rates and terms is more conservative than others and will consider the entire credit history of an applicant. [more...]

Date: 2009-06-08 12:30:05

Credit Line Profiling: Right or Wrong?

From NPR: Credit card companies are trying to cut the credit lines of many customers ... . They interviewed two people with Countrywide loans who had also received unwanted credit cuts. One of those men ... in the mail, saying their credit limits have been cut. American Express is one prominent example of companies [more...]

Date: 2008-10-28 15:54:52

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

What Does “Late” Really Mean? Beware of Sneaky Credit Card Fees

I spend a lot of time watching and listening to financial news reports; and since we’re officially in a recession, ... debts low and paying bills on time. However, it appears that credit card companies have found a way to mess with their reliable, responsible clients. Credit card companies can pretty much bet [more...]

Date: 2008-12-16 15:04:11

The Importance of Repairing Your Credit Report - Yourself!

It seems to be common knowledge today that we are living in a society overwhelmed with debt ... is “Credit Repair Companies”. There are several different websites, many of them claiming to be law ... used by these credit repair companies are bombarding collection agencies with letters, asking them [more...]

Date: 2009-01-15 01:44:04

Debt Negotiation Programs

Get Yourself Out of Debt You should be cautious of claims from so-called credit repair clinics ... , your ability to get credit. That’s why many states have laws regulating debt negotiation companies ... . Many companies appeal to consumers with poor credit histories, promising to clean up credit [more...]

Date: 2009-01-11 12:34:30

Russia and Georgia - An Economic Mistake

A recent Wall Street Journal article titled “Borrowing Costs Increase Sharply for Russian Firms” lays out ... significantly for Russian borrowers, as reflected by sovereign and corporate-credit spreads, which ... companies with low credit risk scramble for funding. Now add to this the fact that Russia seems [more...]

Date: 2008-09-02 01:55:51

tips to get out of it

There are many reasons for people to face court actions, one of the many are financial cases, being submitted to court are because of bad credit. be it from credit card companies to other financial institutions, sometimes people tend ... rebuild their credit card! by providing Debt Counseling and debt referral by Suze Orman Tips [more...]

Date: 2009-01-14 13:06:08

How liberal organizations sell out

What does Martin Luther King Jr. Have to Do With Payday Loans? Recently, the president of the Southern Christian Leadership Conference (SCLC) ... ? Not when you consider that late last year, subprime credit card and payday loan company CompuCredit ... of the credit crisis on minority homeowners. But, he didn’t voice support of pending legislation [more...]

Date: 2008-08-14 00:19:11

Wall Street Breakfast: Must-Know News

IndyMac's backdating scandal. The Treasury has launched a formal probe into the Office of Thrift Supervision after discovering a senior bank ... be enough to keep the company afloat. Credit default swaps on the company’s bonds jumped 2%, while S&amp ... No. 3 automaker for an orderly winding down of its assets. S&P lowered Chrysler's corporate credit [more...]

Date: 2008-12-23 12:16:14

Credit Repair

Having a good credit reputation is necessary for an individual to be able to have his loans easily approved ... , you should learn how to manage your credit score. Although some credit card companies offers a little ... is Aaacreditguide.com. The site has in depth topics about rebuilding your credit and removing bad credit. A good [more...]

Date: 2008-09-05 04:07:00

Time for A Trip to the Mall

Andrew Leonard: There’s only one shopper with a purse large enough to make a difference in this kind of mess — and that’s the U.S. government ... cards, and digging themselves even deeper into debt at a time when credit card companies are raising ... t have any credit card debt, you’re gainfully employed, and you are staring at a $499 price tag [more...]

Date: 2008-12-02 15:17:43

G. Avoid Credit Repair Clinics

You’ve probably seen ads for companies that claim they can fix your credit, qualify you for a loan or get you a credit card. Their pitches are tempting, especially if your credit is bad and you desperately want to buy a new car or house. Avoid these outfits. Many of their practices are fraudulent, deceptive and even illegal. Some have been caught stealing the credit files or Social Security numbers of people who are under 18, have died or live in out-of-the-way places like Guam or the U.S. [more...]

Date: 2009-07-23 09:02:39

You Can Legally Erase Your Credit Card Bill From Your Credit Card Company

American consumers can now legally and ethically discharge 50% of their debts that they owe to their financial institution. Not many Americans have been made aware of this fact because their CC company only wants them to pay the minimum payment each and every month and thus steal away their wealth from them pennies at a time so they go unnoticed.Last 5 posts by When Do You Apply For a Law Suit Loan? [more...]

Date: 2009-08-11 06:00:53

Why Your Credit Rating Is Important

by Steve Collins Credit ratings, at their most straightforward, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:27:43

Your Tax Dollars At Work: Why The Government Will Never Recover The $700 Billion Bailout Cost!

For 2 weeks the Bush Administration and Democratic and Republican leadership in the house have driven fear into the American public, predicting calamity and depression if a government intervention of the credit markets did ... companies to lower credit standards to offer loans to low-income or poor-credit buyers) and deregulation [more...]

Date: 2008-10-04 12:00:00

Do you know how to repair credit?

by Lee Beattie Credit repair companies must provide this in a written contract that also spells out just what services are to be performed, ... anything to fix your credit. Credit repair is the action of sending out letters to the credit reporting ... or repair credit from bad to good. Negative credit costs you extra thousands and there appears [more...]

Date: 2008-10-06 09:05:21

Credit Card Issuers See the Writing on the Wall: Forgiveness of Debt — they also got paid in full through securitization, so there is no obligation owed to them

Credit Card Companies Willing to Deal Over DebtBank of America says it eased off on more than 700,000 credit card holders in 2008, ... ring of a phone.Graphic Behind Changing Tactics, Mounting Losses Related Times Topics: Credit Crisis — ... to foster the explosive growth of consumer debt in recent years, credit card companies are realizing [more...]

Date: 2009-01-05 00:34:25

A Simple Explanation of What Went Wrong

I read this interesting Brookings paper yesterday, titled "A Brief Guide To Fixing Finance ... to the financial crisis: 1. The bubble in home prices, fueled by the ready availability of credit, resulted ... companies, and hedge funds) that issued “credit default swaps” contracts (CDS) that insured the CDOs [more...]

Date: 2008-09-24 16:15:00

Your Credit Rating And You

Credit ratings, at their most straightforward, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain? [more...]

Date: 2009-01-17 22:54:06

Profiting from Payday Loans in 2009

On an otherwise normal evening in 1964, a woman known as “Miss Witness” received a disturbing telephone call from alleged loan shark Frank Sacco ... . Prices are still crashing - currently sitting about 35% below a year earlier. Credit is nearly frozen. Banks and credit card companies alike are buckling down and leaving very little money free [more...]

Date: 2009-01-16 19:38:12

Your Credit Rating Is Important

by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:53:50

High Yield Spreads at Everest Proportions

One would think that given the 10%+ gain in equity markets that we would have seen some relief in the high yield credit market ... treasuries, companies with less than investment grade credit, will not get funding unless they are willing to pay upwards of 20% interest per year. Too bad those credit card offers aren't coming in the mail [more...]

Date: 2008-10-13 23:45:44

Finding County Marriage Licenses

by Jason Voxly Maybe you are dating someone and think they are hiding something ... the system. You do have to be careful and check into the companies before giving them your credit card ... with a legit company. It is a rare situation that you will receive bad information [more...]

Date: 2009-01-17 22:43:42

Saving on Education Related Expenses

Saving on Education Related Expenses With all the other demands placed on your budget, finding room for one more expense may seem impossible ... your limit- this shows up on your credit report and gives your credit card company an excuse to charge ... , major, GPA, location, etc. Don’t feel limited by your current or past academic scores- you’ [more...]

Date: 2009-01-11 14:47:52

Your Credit Rating And You

by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:41:15

Credit Card Companies Cutting Credit, Rewards; Upping Interest Rates.

Wall Street gets a bailout, regular old Americans see their available credit decrease, their interest rate go up, ... a bad thing in the long run; but right now with people getting laid off, grocery prices skyrocketing, and small businesses trying to make ends meet, is it a good or a bad thing to cut off credit [more...]

Date: 2008-10-29 16:00:06

Easy Car Loans In Difficult Times.

by John Brennan Before the economy burst into crisis recently, you were able to get a credit to buy a car virtually from any company ... that had a very bad credit history. Today with the credit market in a huge crunch, even gigantic ... rates. Even if you have a bad credit history, the dealers are in a very tight spot right [more...]

Date: 2009-01-03 08:43:51

What Is Wrong With This Picture?

They’re tossing our money into a black hole and they KNOW it: Dec. 18 (Bloomberg) — Federal Reserve Chairman Ben S. Bernanke is basing hundreds of billions in emergency lending on credit ratings from companies ... and lent $631.8 billion under eight credit programs, most of which require appraisals of short-term [more...]

Date: 2008-12-19 14:53:38

Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: reducing credit limits for people who use a variety of services. These services included, “Direct ... counselors, automobile tire retreading and repair shops, bars and night clubs, pool and billiard [more...]

Date: 2008-06-23 16:12:59

debt consolidation

debt consolidation. Do your homework, learn more about our service, ... Solutions does not assume or pay any debt, nor does it provide legal advice or offer credit repair ... management company in the nation, Credit Solutions has the experience and resources to eliminate debt [more...]

Date: 2008-11-18 07:07:07

Truth About Merchant Accounts !!!!

Truth About Merchant Accounts !!!! January 16th, 2009 If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting! ... . Credit card holder’s have the right to call their credit card company and dispute a transaction ... to set-up credit card processing for their business, they overlook the fact that they are entering [more...]

Date: 2009-01-16 20:15:16

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]

Date: 2009-01-01 10:19:52

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]

Date: 2009-01-06 08:22:54

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]

Date: 2009-01-05 15:03:54

Why Are My Credit Cards Being Canceled?

In today’s economy, credit card companies are changing interest rates at whim (at least until the new credit card laws go into effect…in July 2010 ... . And this could ding your credit score a little bit, which is not something you really want to happen ... by following this simple tip - it helps your credit score and it lets you keep all your available cr [more...]

Date: 2009-01-07 16:59:00

The Credit Repair Organizations Act (CROA)

If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, ... or life insurance in excess of $150,000. If you decide to seek professional help, the Credit Repair ... . The most obvious provision is that no credit repair company can make deliberately false or misleading [more...]

Date: 2008-12-27 06:13:19

Year 2, Week 27 Results: .6 oz of plastic waste.

I failed to notice last week that another 6 months had gone by since the inception of Fake Plastic Fish ... and found out that while they don't currently offer paperless billing, Safeco plans to go paper-free within the next 6 months) and two from Chase credit card company containing my new credit card and paper [more...]

Date: 2008-12-22 22:34:15

Downsizing? An admin checklist

It’s never pleasant when companies have to downsize due to a tough economy ... forms, if necessary Delete company computer access Remove access to company credit card ... : Final time/expense report Final paycheck COBRA notice (firms with 20+ employees) Certification of group [more...]

Date: 2009-01-16 17:43:53

Free Credit Score Online!

Credit Score is an important factor considered by creditors, money lenders and other financial institutions ... a good credit score: The Potential lenders, banks, credit card companies and employers measure ... not be under this misconception that a bad or poor credit score will always remain poor. You can improve [more...]

Date: 2009-01-14 10:33:46

Fast Credit Repair Tips

Many companies and programs are offering fast credit report tips, however they often come with a hefty price tag ... , you can increase your credit score rather quickly. In some cases the results can be a couple days, but within 30 days significant improvements can be made. Original text: Fast Credit Repair Tips [more...]

Date: 2009-01-15 18:01:59

Always Use Caution When Using 0% APR Credit Card Offers

Amazon.de Widgets There is nothing wrong with chasing offers of 0% credit cards, in fact many people have benefited greatly from doing just that, but did you honestly expect the credit card companies to allow this card jumping to continue indefinitely?Offers of 0% credit cards have been around for quite a few years now; they are a successful marketing ploy by the credit card industry aimed at stealing customers from competitors and were an overnight success with a public that was fed up of paying [more...]

Date: 2009-09-30 22:17:04

Keep Watch For The Missing Quarter

How secure is yours? How secure is yours? HARRISBURG PA - Internet chat rooms are filling with complaints from credit card customers nationwide ... : File a dispute immediately with your credit card company; Call Pennsylvania’s Bureau of Consumer ... business with. The company, Adele Services of Melville NY, doesn’t exist, according to a report Sunday [more...]

Date: 2009-01-16 10:40:26

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