Are You On The Credit Bureau's Blacklist?

By John Rasor your credit scores are not based on personal information like race, sex, or national origin ... report make up your credit score. Pretend for a moment that you are an underwriter working through ... , and deserve this loan, right? Could you be on the credit bureaus blacklist? Since [more...]

Date: 2008-12-22 16:07:07

Blog posts (20) | Videos (64)
 

Rapid Credit Rescoring - What it Can and Cannot Do For Your Score

by Cliff Pape Too many people have been losing loans or just paying too much interest because of some inaccurate information that has been reported ... to repair (or restore, or whatever you want to call it) your credit FIRST because the services require ... by the credit bureau on their credit report. You may be able to get your credit score recalculated [more...]

Date: 2008-12-31 08:15:40

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

how to interact with credit bureaus

While it’s po ible living without a good credit score, it will certainly make your life much harder ... history is not so good, you’ll have to start with a credit repair. To do this you’re going ... . All of us need it in order to buy or rent a home, car, have a credit card etc. Credit bureaus [more...]

Date: 2008-09-19 20:38:38

Credit Score Explained

You are shocked when your loan is denied, or maybe you were approved, but the interest rate is much higher than you anticipated ... . The three major credit bureaus each have their own version of the FICO score: Equifax uses the Beacon ... . How can that be you say? My credit score is good, I know I checked. Maybe it’s not as good [more...]

Date: 2008-12-20 13:26:43

How Women Can Fix Their Credit Before Applying for a Job: Part 1 — Credit Scores and Credit Reports

a guest post by Michelle Dunn credit debit card charge (www.bizchicksrule.com) ... a job interview because of some bad credit they may have. More and more employers are checking ... of the 3 credit bureaus to provide you with a free copy of your credit report annually at your request. Don’ [more...]

Date: 2008-09-18 10:18:26

White House Throws GMAC $6 Billion Rescue Line

Remember when the Bush administration was opposed to tapping the $700 billion Wall Street bailout to help Detroit’s Big Three? Fugetaboutit ... percent fewer loans worldwide than it did a year before, Dow Jones reports.) The $6 billion — ... from a minimum credit bureau score of 700 two months ago down to a score of 621. From a statement from GMAC [more...]

Date: 2008-12-30 16:29:15

Understanding Credit Repair

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... the claims by sending a letter to the credit bureau. Secondly, you should begin paying down your debts to repair credit history. Although it certainly helps, it doesn’t have as much impact as paying [more...]

Date: 2008-12-12 00:28:43

Increase Your Credit Score - Use It or Lose It!

In case you did not know, I am a huge Dave Ramsey fan. This guy simply understands what it takes to truly become debt free ... not qualify for financing. I understand how the credit reporting bureaus calculate your credit ... and then pay these guys once a month. Not a bad deal….. That is until we were denied credit! Let [more...]

Date: 2009-01-02 21:44:16

How Credit Repair Process Works

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... the claims by sending a letter to the credit bureau. Secondly, you should begin paying down your debts to repair credit history. This won’t make as great an impact as paying monthly bills on time [more...]

Date: 2008-12-11 08:40:45

Credit Repair In Four Easy Steps

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... by sending a letter to the credit bureau. Secondly, you should begin paying down your debts to repair credit history. This won’t make as great an impact as paying monthly bills on time [more...]

Date: 2008-11-27 12:15:18

GMAC Bailout Saves the Day!

Ben Bernanke's bailout binge(how do you like that tongue twister?) ... criteria for auto loans to include customers with a credit bureau score of 621 or above, relaxing ... ) -- The U.S. Treasury committed $6 billion to support GMACLLC, the financing arm of General Motors Corp., widening [more...]

Date: 2008-12-30 21:38:00

GMAC Now Officially Requires 700-Plus FICO Score For New Car Loan [Financiapocalypse]

The Financiapocalypse continues. We just received a copy of an e-mail that went out at GMAC, the lending arm jointly owned by GM and Cerberus, ... : you'll now need a minimum 700 credit bureau score to get a car loan at dealer invoice or below from GMAC ... such as dealer wholesale financing, until the credit markets are stabilized. To assist dealers, GM [more...]

Date: 2008-10-13 22:20:00

Setting Long-Term Goals and Getting There after College

by Landon McGehee I had a relative graduate from college recently, ... . 1. Know your credit score. You will have a credit report once you borrow money from a lender or have a creditor that reports to one of the three major credit bureaus (Equifax, Experian [more...]

Date: 2008-11-05 19:53:11

Free FICO Score At Equifax (No Strings)

Written on 10/02/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... some pertinent information about yourself and then obtain your FICO score (as judged by Equifax ... . As you may know, Equifax is one of the 3-primary credit bureaus in the US and its score is used heavily [more...]

Date: 2008-10-02 12:12:54

BehindTheMedspeak: Healthcare credit score — just another name for wallet biopsy

Certainly it's more politically correct but they're exactly the same thing ... For Hospitals Credit-reporting bureau Experian PLC said it agreed to acquire SearchAmerica Inc ... and their revenue cycle," said Kerry Williams, Experian's group president of credit services and decision [more...]

Date: 2008-12-10 17:01:16

Removing Bankruptcy From Credit Report

by Matt Douglas With a bankruptcy mark on your report your score will be lowered considerably. However there is hope, you can remove this mark and by building some positive credit ... , a dispute letter must be sent to each bureau disputing the accuracy of the mark. Upon receipt [more...]

Date: 2008-12-26 09:47:42

How Can Lawsuit Funding May Help To Avoid A Bad Credit

Many lawsuit plaintiffs have financial troubles while they wait for a settlement problem that could make more low their credit level . Credit reports are piled up by firms named credit bureaus that get reports directly from lenders about their customers paying practices. Founded on a debtors history of paying bills and the amount of debt the man has , credit bureaus go with a credit score for each man . [more...]

Date: 2009-09-30 13:20:28

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... as to how much of your available credit you’re using. According to Yahoo! Finance columnist Liz Pulliam Weston, “if your credit card issuer slashes your credit limit — which is increasingly likely [more...]

Date: 2008-12-29 21:48:19

Eleven Ways To Improve Your Credit Score

Credit scores are one of those little things in life that while they can have a significant impact on people's financial bottom lines, ... your score. 1) Order a copy of your credit report. Review it carefully. Correct any significant errors. This can be done by sending in letters to all three of the credit bureaus. 2) Pay your bills [more...]

Date: 2008-12-12 18:02:36

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