With Things So Bad In The Economy…

…why is this happening: You know what I got in the mail yesterday? An offer from my credit card company, for a $50,000 unsecured personal loan. Did you catch that? Unsecured. That amount of money would require me to make the equivalent of another mortgage payment to repay them. That offer came as a result of our credit rating, and we would [more...]

Date: 2008-09-30 15:47:13

Blog posts (504) | Videos (58)
 

A ‘Generational Opportunity’ to Buy Bargain Pepsi (PEP)

Warren Buffet says its time to be greedy. But not all stocks are worth buying, says Horacio Marquez. He recommends PepsiCo Inc. (NYSE:PEP) ... . And Pepsi’s cash flow is the envy of most companies as credit markets tighten. But any stock buying ... are being sold off along with bad ones for two reasons: Weak companies will founder in the crisis and “ [more...]

Date: 2008-10-20 13:46:37

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

Don’t Be Taken By Debt Consolidation or Credit Counseling Scams

Your credit cards are maxed out.  Your mortgage is spiraling out of control.  You have fallen behind on your car payments ... is that there is no “magical solution” to credit repair.  Even those companies which decide to report negative ... your debt by 50% and they will fix your credit overnight.  You call them, looking [more...]

Date: 2008-12-18 23:25:22

Credit card roulette

Sometimes the credit card industry amazes me. No correct that --- the industry disgusts me ... also could make it more difficult for millions of people with bad credit to get a credit card ... regulators this morning adopted new rules that will allow credit card companies to raise interest [more...]

Date: 2008-12-18 15:13:37

Give Yourself Some Credit

By Alphonso Smith One of the most prominent companies that exists today in the field of consumer credit counseling is CCCS has been providing ... that should be explored is the free 7 lesson credit repair ecourse offered at the end of this article ... consumer credit counseling services to clients for years and they have a proven track record [more...]

Date: 2008-11-30 11:02:04

Honda, GS Yuasa to Build Batteries for Hybrid Vehicles

Despite a looming crisis in the auto sector, Japan’s Honda Motor is pushing ahead with plans for the next generation of cars, ... a sharp sales downturn amid the global credit crunch. The company now expects ¥185 billion in earnings ... . Norwegian electric car maker Think also announced some bad news this week, halting production and saying [more...]

Date: 2008-12-17 23:00:13

Obama Wants Everyone Out of Debt Erase Up to 50

This administration realizes that the economy is bad and people are suffering President Obama is trying to put a limit on the amount of interest the credit card companies can charge you But perhaps you have already gotten into trouble with your credit card and don't know what to do about it [more...]

Date: 2009-09-11 07:42:37

Why Is This Recession Different?

I think most people are already sensing that this recession is a bit or a lot different from those we have been through in modern times ... much at all. Reversion to mean is unavoidable and painful. The financial companies have lost ... of dollars in credit default swaps make any orderly wind down of insolvent institutions incredibly [more...]

Date: 2009-01-18 08:28:49

Another Random News Dump…

- Federal regulators today announced new rules for the credit card industry ... practices. Some examples of the new rules? Credit card companies will no longer be allowed to raise ... that allows Citibank to increase the rate on your Citi Visa if you’re late with a payment to Discover [more...]

Date: 2008-12-18 19:57:19

When Frugality Isn’t Enough

The following guest post is from Trent Hamm of The Simple Dollar. I’ve been a fan of Frugal Dad for quite a while ... high school (drug use, mostly) that left him with a poor local reputation, a poor credit history ... - the power company doesn’t tolerate him being late even a day on his bill because of his poor credit [more...]

Date: 2008-09-16 11:00:37

A TV lawyer annoys The Hawg

So there I was, minding my own business and watching television last night when one of those damned lawyers appeared ... . The bankruptcy boy was also warning people against credit repair companies, claiming they probably can't ... to nationalize the legal profession and pay all attorneys about $40,000 a year [more...]

Date: 2008-10-14 01:20:04

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

My 2009 Predictions

Evan Bernstein, from the Rogues Gallery (the Skeptic’s Guide to the Universe blog) ... the word “God” twice. 5. Car companies will continue to manufacture gas-guzzling p.o.s. cars, despite ... . For everyone. 10. Credit card companies will increase the interest rates of all their customers (”victims [more...]

Date: 2009-01-06 15:28:47

The Danger of Losing Your Wallet - And How to Protect Yourself

Near the end of a recent long trip, my wife misplaced her wallet. She carries a traditional small pocket wallet, which contains her driver’s license, a few credit ... and replacement. The first step is to contact the credit card companies, as well as your bank [more...]

Date: 2008-07-03 14:00:54

Payday Loan - A Simple Solution To Money Issues

The financial crisis that is engulfing the world’s economy has prevented large numbers of people from accessing financial help ... and not go through the pain of a formal credit check. Payday Loan companies generally allow ... declined. Another issue in loan applicants being unsuccessful is people having poor credit [more...]

Date: 2009-01-08 09:11:37

A Review of “People Are Idiots” by Larry Winget (and GIVEAWAY)

People Are Idiots and I Can Prove It!: The 10 Ways You Are Sabotaging Yourself and How You Can Overcome Them* I love the title and cover of ... their late payment to the credit bureaus and their credit score goes down?” In the second chapter ... …and my ultimate favorite: People sign contracts with credit companies, agreeing to pay [more...]

Date: 2009-01-05 19:18:31

The Risk of Identity Theft Is Higher Than Ever This Holiday Season

Identity theft refers to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves ... had her credit card number "skimmed" at a gas station.  She didn't realize the theft had occurred, though, until ... , though the credit card company had not been able to determine exactly how it had [more...]

Date: 2008-12-23 13:02:06

This Could Be The Day

This could be the day that you… decide to get out of debt start to live on a budget stop arguing with your spouse start talking to you spouse teach your kids about money send five extra dollars to the credit card company get rid of bad spending habits embrace bold, significant change choose to believe that you are worth it choose [more...]

Date: 2009-01-06 12:15:05

The importance of PCI to MVaaS

Image via Wikipedia Compliance with the Purchasing Cardholders Industry (PCI) Data Security Standard (DSS) is required for all merchants that process credit cards. Since MVaaS companies many times ... . Was this “fraud” made possible through the lax controls? The federal authorities have not determined [more...]

Date: 2009-01-17 15:00:09

Where’s My Bailout Money?

The supposed $700 billion bailout is the single largest rip-off scheme in the history of America ... foreign financial institutions while Democrats want to help homeowners and credit card companies ... are at least one month behind on their loans, while half a million homeowners are engaged [more...]

Date: 2008-09-22 21:14:57

Help Me

This is an opportunity to every individual who does not have capital to start with a business ... you have decided for a vacation. Usually business financing nowadays is not easy to avail due to rampant bad credit problem but this company is readily open arms for financing your business and no assets [more...]

Date: 2008-12-06 01:15:46

Ensim-Infrastructure Management Software Provider

Do you are CEO of Managed Service Providers, Web Hosting company or other Internet companys, If you answer is “yes”, another, ... Credit Card (0) Camelback Displays Material Sell Online (0) Look at the Whitaker Wellness (2) Hosting ... to finance my education (4) Tell You a Bad Credit Loan Shop (0) The Visionary CEO Inspired Me (0) Fab [more...]

Date: 2009-01-07 08:30:15

Health Insurance Plans qualify Coverage

People always delayed and denied their rights to have health insurance, whereas this is important for our life ... York Auto Insurance Premiums Information (0) January 15, 2009 — Bad Credit Loan Mortgage Foreclosure ... company). You can also rise up after the bad illness moment. If you need more information before [more...]

Date: 2009-01-15 08:32:16

Fantasia’s House Auctioned Off Today!!

Posted by Bossip Staff Fantasia Barrino is losing her million dollar home while this article is being written up about her, and reports are saying she is in denial: CHARLOTTE, NC - Fantasia Barrino - who faces ... winner owes a Florida credit company $65,000 - money she borrowed in 2006 to pay back taxes she owed [more...]

Date: 2009-01-07 14:42:47

Dealing with a bad attitude

Dealing with a bad attitude Posted in Better Living by Seth Barnes on 1/7/2009 WARNING - If you're hoping for inspiration, ... that my credit card company hadn't received the online payment I'd sent from my bank on December 19. Instead, they'd charged me a finance charge. So I called the credit card people. What's annoying [more...]

Date: 2009-01-07 14:13:06

Bad Mortgages Are Just The Beginning

credit card health Yesterday I talked a bit about how, through the bailout bill, ... be looking at credit card companies such as American Express following suit. I thought ... . Americans have almost $2.6 trillion in consumer credit outstanding, according to the Federal Reserve [more...]

Date: 2008-10-16 17:29:00

Reality TV: Bailout

The too big to fail faux-doctrine may seem to make sense to some people, but only if they have blinders on ... to taxpayer money. Banks and insurance firms were the first beggars. Then came the auto companies. Then credit card firms. And cities and states. Next up: TV. Yes, there is talk that the major [more...]

Date: 2008-11-24 22:46:44

6 Ways to Prepare for the 2009 Market Rebound

HIDDEN VALUE Dear Value Seeker, The TARP is dead… long live the TARP ... of the program to incorporate other sectors. Already, the Fed has given credit-card company American ... going from the tail-end of a credit squeeze to a deep [more...]

Date: 2008-11-12 20:02:08

Higher Ed, Banks and Credit Card Companies

Great commentary from Kevin Carey, which I've linked to just below, along with the NY Times article (below the fold) which spawned the story ... brochure inside encouraging students to apply for a credit card - often their first. This troubling practice has resulted in students completing college with credit card debt - often on top of student loans [more...]

Date: 2009-01-01 21:19:00

Bankruptcy and Credit Repair: Answering A Few Questions

One of our readers, Jnet, sent us this question: Due to a permanently disabling illness, I lost my job and had to file bankruptcy 2 years ago ... . I had no choice. Here it is, two years later and one of the Company’s hit my credit report with 4 dings, listing 4 charge offs? Can they do this? Will all the rest hit me too? my credit number was low [more...]

Date: 2008-10-21 14:33:56

Some Simple Debt Solutions For Getting Out Of Debt Faster

One of the most frustrating financial situations that a consumer can be stuck in is to be heavily in debt ... . There are good and bad companies when it comes to credit counseling, so knowing who you’re working ... to qualify for a loan when you really need it, simply because you don’t have the resources to pay down [more...]

Date: 2008-05-07 15:33:00

Discover $50 Promotion & Discover Holiday Promotion

With the economy weakening, experts are predicting horrible retail sales in the fourth quarter. We’re talking downright dreadful ... less, credit card companies earn less… so they too are pulling out the big guns. Discover ... right now for new credit card accounts. 18% Cashback You can combine these two promotions together [more...]

Date: 2008-11-07 19:49:05

Is Your Credit Score Costing You Money?

Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home ... you know that your credit history can keep you from getting utility connections, good telephone rates, the best auto ... owners’ insurance, auto, and life insurance companies set minimum credit standards for their policy [more...]

Date: 2008-12-30 04:11:53

Your opinions requested! Plus Year 2, Week 30 Results: 1.9 oz of plastic waste.

Here's the weekly tally. But please read down to the bottom of the page. I have an Announcement, a Survey, and a Discount Coupon for you ... Direct, Safeco Insurance, credit card company, and Financial West Group. I think I've been doing ... and report back? And finally, To-Go Ware is offering a 40% discount coupon to everyone [more...]

Date: 2009-01-12 19:44:00

Fed Chairman Uses Incompetent Ratings Firms for Bailout

“Federal Reserve Chairman Ben S. Bernanke is basing hundreds of billions in emergency lending on credit ratings from companies that gave AAA grades ... .  So reports Bloomberg News. Before the financial crisis, we repeatedly warned in vain ... of the financial crisis.  “They’re outsourcing the credit assessment to a group of people whose recent [more...]

Date: 2008-12-18 18:40:19

Hottest products online

Many of us have seen super markets and stores where can get all products at the same place ... that are usefully categorized.Their recent launch was the Credit Repair Programs which is quickly becoming a hot new niche.Many of the people aren’t so sure which credit repair company is more accurate [more...]

Date: 2009-01-08 12:23:00

Consolidating Student Loans

With higher education costs on the rise, many people these days have several student loans ... will go up and even get better as you pay off that loan. It will not be an instantaneous fix as credit companies can take up to six months to report a drop of a loan off your report. But if you don’t use your credit [more...]

Date: 2009-01-16 12:54:49

Dow jumps 600 as US government pledges bank aid

NEW YORK - The Dow Jones industrial average rebounded as much as 600 points today as Wall Street snapped back from last week's devastating losses ... work through their concerns about the banking sector, the stagnant credit markets and the overall ... the market has started to carve out a bottom and that the credit markets where many companies turn [more...]

Date: 2008-10-13 17:47:29

Surviving Debt with Professional Debt Settlement

by Kevin Fresner Debt relief scares a lot of people. Many people actually consider it to be worse than actually being in debt ... more important than not asking for help because it looks bad. Debt settlement is a viable option ... of your negotiations. Credit companies and medical collection agencies will be more likely [more...]

Date: 2009-01-17 20:49:36

Debt Relief Solutions and Tips For Everyone

It used to be that if you needed debt relief help, you just went to Mom or Dad to help bail you out ... problems are a very common occurrence in modern life.  We live in a society that promotes instant ... or have your credit card company suddenly get blown to kingdom come.  The sooner you deal with the problem, the sooner [more...]

Date: 2009-01-17 16:51:54

30 Ways to Save a Dollar a Day

This is a list of ways to save about $30 a month or a dollar a day. If you can do a couple of these, then you can save even more, like 60 or 90 ... the difference goes into savings 17. Call credit card companies to get a lower interest rate – calculate ... ) 6. Cut back on a bad habit – reduce smoking by ½ pack, buy fewer drinks when going out, cut the [more...]

Date: 2008-12-29 17:18:25

Two Ways to Improve TARP for Taxpayers

Below is a comment by Alex Pollock at American Enterprise Institute on the TARP: ... among them) are devoting the public credit to supporting financial companies. We have moved through ... The subprime problems are contained.” The problem with thinking of financial market crises as “ [more...]

Date: 2009-01-18 02:52:55

Tiny charges could mean big trouble

Ever charged 19 cents on your credit card? I never have, and I imagine most of you haven't either ... like this, dispute it with your credit card company. Also, report the crime to the Federal Trade ... amounts from your account. Placing a security freeze on your credit files might be a good idea [more...]

Date: 2009-01-12 22:37:24

Debt Consolidation Explained

Debt Consolidation Explained December 16th, 2008 As more and more consumers struggle with out of control debts, ... large and small. In modern society, credit has become so simplified that individuals become burdened ... loan. These typically boast rates far lower than the interest rates offered by credit card companies [more...]

Date: 2008-12-16 15:57:23

Fed to rule soon on sweeping credit card changes

Sunday December 14, 3:11 am ET By Carson Walker, Associated Press Writer Fed might end surprise credit card rate hikes but restrict credit to high ... of people with bad credit to get what's referred to as a subprime card. The rules were proposed ... risk borrowers SIOUX FALLS, S.D. (AP) -- Credit card companies could no longer boost interest [more...]

Date: 2008-12-14 20:23:19

Bankruptcy bill? What bankruptcy bill?

The paper has risen to the challenge of the first local son on a national ticket with ambitious, wall-to-wall coverage of all things Biden ... are overexposed -- they've made billions in unsecured, uncollateralized loans with scarcely a second glance ... a blind spot when it comes to the credit-card moneylenders who run this company town, and thus [more...]

Date: 2008-08-25 00:24:47

Fishy

Got a call the other day from an unknown number so I let it go to voice-mail ( ... .  I haven't filled out an "application" for anything lately except a balance transfer for a credit ... out - at a "talent" company, thanking me for my application and asking me to call them back real soon [more...]

Date: 2009-01-15 20:25:02

Bank of America (BOA), Wells Fargo (WFC) End 2008 with Major Buyout Deals

Two major U.S. banking deals were completed yesterday (Thursday), enabling the suitors to finalize the deals before 2008 came to a close ... buyouts worldwide, and not lending at home, as a Money Morning investigative report demonstrated ... in merger advice in 2008, Thomson Reuters reported. The combined company’s brokerage, credit card [more...]

Date: 2009-01-02 12:36:15

FTC Crackdown on 36 Credit "Repair" Companies

sweep.jpg Ever wonder if those TV ads claiming to help you repair your credit are legit? ... they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain ... information from consumers' credit reports, even if that information is accurate and timely. The FTC [more...]

Date: 2008-10-28 11:15:52

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