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

Blog posts (204) | Videos (174)
 

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

Housing Bill a Major Threat to Privacy

Shares in stricken government-chartered mortgage giants Fannie Mae (FNM) and Freddie Mac (FRE) ... up in the final version of the bill: 1) Nearly all credit-card transactions will be tracked and reported ... fingerprint registry. Let's start with the credit card (and debit card) provision first.  Former [more...]

Date: 2008-07-24 14:03:21

Totally Free Credit Report

While we were out at the mall, I can’t seem to count how many credit card agents handed me their flyers and leaflets plus asking me if wanted to get ... on to pay! But what’s good in getting credit cards now are the additional perks that they offer to new clients like totally free credit report and the immediate response to one’s running credit score [more...]

Date: 2008-11-17 23:11:25

GWAS Latte Post

Your regular dose of Monday morning snippets to read, click and skip over with brekkie and a cuppa...Crunch month... and we're not talking Kellogg's ... shaping up as a crunch month for many families as Christmas credit card bills fall due, report Jessica Irvine and John Huxley in The Sunday Telegraph. Credit card company slashes limits! In a case [more...]

Date: 2009-01-11 20:00:00

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

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

Saving your credit and credit scores

I have blogged about my experiences with American Express and their systematic reductions in my credit lines ... as “closed as consumer’s request”)  which would have locked in the higher credit limit on the credit report. Canceling a card with a good history will impact your credit, but being at 99-100 [more...]

Date: 2009-01-14 23:51:28

Check Credit.

In my opinion, owning credit cards are advantageous in these difficult economic times..but ONLY if you are a responsible and disciplined user ... or loan makers, there’s this site that can help you know your score. This credit report is based ... transaction that involves credit activities. At checkcredit.pro, you’d be able to request instant [more...]

Date: 2008-11-06 10:11:14

Keep tabs on your health insurance claims

We’re all aware of the dangers of identity theft these days. Most people keep a close watch on their bank accounts, credit card statements, and credit reports to ensure they’re not being victimized. This week I had a scare that made me realize my credit [more...]

Date: 2009-01-14 13:00:26

Careless Friend Lost His Wallet

Over the weekend, my friend had his wallet stolen from a communal locker at work ... cards. Report the theft to credit bureaus. File a police report. Provide details to the FTC ... it in the university’s ‘lost and found’. If in a few years from now, when he checks his credit report [more...]

Date: 2008-09-18 23:59:23

Credit Card Debt: Next Big Hit to Banks?

Given how overextended consumers are, and how banks have been cutting back on the cheapest piggybank, home equity loans, by slashing those credit lines, and the reports of rising delinquencies from even conservative ... in credit card losses. But under the new bankruptcy code, if you do no qualify for Chapter 7 bankruptcy [more...]

Date: 2008-10-01 09:17:30

Get Out of FreeCreditReport.com’s “Triple Advantage”

FreeCreditReport.com is the heavily advertised company that offers “free” credit reports ( ... reminder to check your bank and credit card statements at least once a month so charges like this don ... if you sign up for a trial offer for their monitoring service with a monthly fee. They have huge [more...]

Date: 2008-07-25 18:29:44

The Cheap Credit Cards Review

The bad credit report is one thing that will stop you from being able to apply for a loan ... will help by serving you the free credit repair. This web site is providing a page in where ... problems and of course in a rush to get the cash fast. Therefore, you will have to enter the cheap [more...]

Date: 2008-11-14 09:06:34

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

When The Bill Collector Calls

A couple of weeks ago I received a very unusual phone call ... , I pulled a copy of my credit report and there was no credit card account bearing that number nor ... . The caller stated that she was calling in reference to my XYZ Bank credit card and asked [more...]

Date: 2008-11-17 11:00:33

Why Credit Report Scores Are Important

Many of the younger generations are less concerned with their credit report scores than ever. Record numbers of young people are developing bad credit from the moment they turn eighteen and receive credit card offers. However, younger generations need to understand that they can put their entire futures in jeopardy by digging themselves a financial hole. [more...]

Date: 2009-09-26 08:27:38

FSR’s Weekly Report Card for 01.16.09

MY BLOODY VALENTINE 3D Studio: Lionsgate Rated: R for graphic brutal horror violence and grisly images throughout, ... who plan to rob the stores in the mall of their credit card information. What I liked: This movie is stupid, and not always in a bad way. It’s a typical January release, as it’s not going to win any [more...]

Date: 2009-01-16 18:24:44

UPDATED..WaPo: Obama Taking Illegal Donations UPDATE: Will Media Report Palestinian Campaigning for Obama from Gaza?

How is he doing it? Sen. Barack Obama’s presidential campaign is allowing donors to use largely untraceable prepaid credit cards that could ... to the candidate. “That’s an error,” she said. Moreover, she added, her credit card was never billed ... card to “fool” Obama’s insecurity system. Team Obama deliberately avoided credit-card security [more...]

Date: 2008-10-29 12:32:34

Credit Repair Help - Here’s How To Start Right Now!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult. It’s hard to repair your credit and it makes life difficult to have bad credit ... coffees. We need to then know what’s in your credit report. There are three credit card companies [more...]

Date: 2009-01-05 11:03:01

Beware Long-Term Cardholders With Perfect Payment Histories, Your Credit Lines May Be Slashed [Credit Cards]

Oliver paid off his Citibank platinum card on time, in full, every single month since 1989, ... up on his credit report. Oliver writes: I’ve been a Citibank Platinum cardholder since 1989 – that’s longer ... gleefully informs me that: “Sir, due to some recent negative information on your credit report we’ve [more...]

Date: 2008-07-20 19:00:00

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

6 Step To Improve Your Credit Score Now

credit cards Your credit score is probably the single most important number in your financial life ... . Use of your credit report has infiltrated areas we never thought it would - from job applications to insurance premiums. I recently learned the impact credit score has on interest rates after finding [more...]

Date: 2008-12-02 17:06:27

How To Deal With Bill Collectors

In today's unstable economy people are consumed with financial matters ... , the credit card company may report you to a collection agency. This debt collection company is hired ... . Initially, you'll receive calls from your credit card company informing you of your late payment [more...]

Date: 2008-12-04 01:40:51

Bombshell: Obama Neck Deep in Breaking Campaign Finance Scandal

This is a bona fide bombshell. Obama loves to say that 90% (or whatever the phony made-up figure is) of his donors contributed less than $200? ... Will were credited back to a credit card. But the most recent report, filed on Sept. 20, showed a net ... the whole thing. In a letter dated June 25, 2008, the FEC asked the Obama campaign to verify [more...]

Date: 2008-10-01 20:34:24

Credit Blemished Over Imaginary Credit Card [Debt Collectors]

The NES collection agency is coming after Nancy for a debt on an account number she's never owned ... the account and sold it to a collection agency, who somehow had no problem contacting me repeatedly ... by disputing it as invalid you may be able to get it taken off your credit report if the agency reporting [more...]

Date: 2008-10-30 19:20:44

It’s unanimous, Web application security has arrived

It’s unanimous. Web application security is the #1 avenue of attack according to basically every industry data security report available ( ... credit card transactions.5. They install backdoors that "beacon" periodically to their command ... , Hardware Security Modules (HSMs), and processing applications in an effort to obtain credit card [more...]

Date: 2008-12-26 20:00:00

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

New Year Resolution #1: Financial Fitness in 2009

Worried about the economy? Been hoarding all your pennies lately? You’re not alone ... t it? Free credit report comparing all your debts, rainy day funds, budget tool…yes, we need ... ? If you have credit card debt, ask yourself why. That list on your credit card statement….was each [more...]

Date: 2009-01-07 22:51:21

2 Out of 3 Ain't Bad, 7 out of 9 Is...

NEW YORK (AP) -- Average interest rates on most types of credit cards rose slightly this week, according to a report from CreditCards.com.Annual percentage rates on seven out of nine categories of cards -- business, instant approval ... Thursday. The APR on cards for people with bad credit held steady at 10.82 percent while rates on student [more...]

Date: 2008-11-14 17:47:00

How You Can Remove a Judgment from Your Credit Report

by John Cooper A judgment, default judgment, and credit card judgment all mean the same thing ... a professional credit repair law firm for reasonable rates. A leader in the industry Lexington Law can be hired ... . This makes it possible to never be able remove a judgment. However with some savvy credit repair [more...]

Date: 2008-12-02 10:23:10

Visa Black Card: 1% Cash Back, 0% APR Balance Transfers, Concierge, and Luxury Gifts

Visa is introducing a new credit card catered to consumers who spend $50,000 or more a year ... . According to the card’s application, only 1% of U.S. residents will qualify. I’ve seen reports ... for the card. Some who are accepted have average credit scores and low income. This is not what you would [more...]

Date: 2009-01-09 13:00:02

How and When to Cancel a Credit Card

Update: After feedback from readers, I’ve made some clarifications to this post ... and other agencies report your habits to credit bureaus, organizations that collect this information ... . My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card [more...]

Date: 2008-09-16 12:00:22

The Daily Poverty Post.

First of all, isn’t it funny that when conjuring the telephone, we think of the above? ... , this safe site will provide you with one free FICO score and credit report every 12 months — ... out how to call your credit card company to renegotiate your interest rate! Before we begin [more...]

Date: 2008-12-06 17:33:45

5 Factors Affecting Your Credit Score

Here’s the bottom line. I'm told all the time: “I PAY MY BILLS ON TIME, BUT MY PEOPLE SAY MY CREDIT STINKS ... as a roadmap to building a good credit report. Here are 5 factors impacting your credit score ... is positive, rather than a concentration in credit cards only. 5. Inquiries have a 10 percent [more...]

Date: 2009-01-16 18:53:07

The Best and Worst of the Credit Card Industry

The newest Consumer Report is in and their agenda was the dozen or so cards that consumers should be seeking out, and the several to stay away from ... sure it’s a card you can use! 1.) Capital One No Hassle Cash Rewards 2.) Chase Freedom Visa ... are as follows: 1.) Chase PerfectCard MasterCard ( I believe this is a business credit card…I don’ [more...]

Date: 2008-12-08 06:38:50

Privado Harrisburg: Unbelievable

It’s no secret that Privado is one of my favorite places downtown ... still operating in blatant violation of federal law. Merchants can not print the full credit card number on a customer receipt.  The Fair Credit Reporting Act (15USC1681), as amended by the Fair &amp [more...]

Date: 2009-01-17 21:48:07

Calm Your Visitors’ Privacy Jitters

I have a friend who gets totally freaked out from all the conspiracy theories, news of “earth changes” and political commentary posted on the web ... he doesn’t trust the Internet. Does this sound like an oxymoron? WebProNews published a report ... American surfer include: Concerns that credit card numbers will be stolen online Online activities [more...]

Date: 2008-10-01 16:00:09

Falling Out Of A Bed That Gets Higher Every Day

The Herald Tribune reports from Florida. “Mark Brivik, a real estate investor who made a living buying, fixing up and selling houses on Longboat Key and other parts of Southwest Florida, has filed ... off her credit cards and ripped them up.” Still, even without credit card debt, Lesso is struggling [more...]

Date: 2008-11-24 14:34:43

Kennedy Refuses To Disclose Finances

Extremely wealthy and of famous pedigree, the Kennedy who wants to replace Hillary Clinton in the U.S ... jobs that required it. Kennedy’s hometown newspaper reports that she twice utilized loopholes to avoid ... , publicly available report disclosing her financial assets, credit card debts, mortgages, book deals [more...]

Date: 2008-12-23 15:12:47

Global Investing Roundups Friday, December 19th, 2008

FedEx Announces Profit, Cost Cuts; Report: Wal-Mart to Sell iPhones; GM Denies Chrysler Merger Talks; Discovery Applying for Bank Status; ... reported. Credit card firm Discovery Financial Services (DFS) added itself to the list of companies ... ; Carnival Cruises to 4Q Profit FedEx Corp. (FDX) mixed bad news with good in its latest quarterly [more...]

Date: 2008-12-19 11:29:55

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

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

Layaway Is Making A Comeback

The Wall Street Journal: Layaway, a payment practice that was made popular during the Great Depression but nearly became extinct due to the instant gratification of credit cards, is back in fashion thanks to the credit crunch. Only ... Warehouse Corp.; and Kmart, — report that demand for layaway is stronger than it has been in years [more...]

Date: 2008-10-28 14:07:56

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

Not Racist, But…

17 December, 2008 — RickB A high-ranking Metropolitan Police officer is starting a claim of racial discrimination against the force ... on duty and are, in fact, promoted.” An Independent Police Complaints Commission report into alleged ... of a corporate credit card and claims that Mr Dizaei advised a defence lawyer in the case of a woman [more...]

Date: 2008-12-17 10:50:43

Wanna Get Away? Get Banks OK in UK

If you "wanna get away" and you live in the UK, make sure your bank nose..otherwise you'll have "slim pickin's" when it comes to payment options.. ... , when they go away, according to a recent report in the newspaper The Times.This is in the aim of combating credit card fraud, where several holiday goers found their debit or credit cards frozen [more...]

Date: 2009-01-13 17:36:00

Study Reveals Hispanics’ Attitudes Toward Finances

Hispanic consumers in the US say they feel more financially secure than they have in the past and are using credit cards more, ... but their self-reported lack of knowledge about financial matters also has increased, according to a study from Experian Consumer Research. The study, which is part of a broader body of research that ... [more...]

Date: 2008-11-11 18:55:19

Home Buying 101 - Step Two: Know Thy Credit

This is the second in my Home Buying 101 Series, now updated for 2009 ... rates. Your credit report will also affect the rates you pay for auto and home insurance ... for credit cards, loans, medical bills, leases, anything reported to a collection agency, liens [more...]

Date: 2008-12-30 21:06:36

Underrated: Cash

I don't understand why cash has become such a bad thing ... not a total old curmudgeon, I do have a credit card. I know how handy it can be, especially ... credit card, I no longer have to spend time saving receipts or filling out expense reports. Just swipe [more...]

Date: 2008-12-09 20:50:05

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