Credit Score Rating Scale
by William Blake The credit score rating scale is a confusing numeric system to understand ... will look into. If you have too many credit applications made, this will look bad on your report ... . There are places that will offer free credit counseling [more...]
Date: 2009-01-15 09:14:59
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Acquiring A Great Credit Score
by Mark Cunningham Making a healthy credit grade is serious in today’s society ... can begin obtaining a no credit or bad credit Master Card or Visa. This will be helpful ... to buy luxury items on the credit. It is very easy to get a bad credit score against [more...]
Date: 2008-12-25 08:52:50
Bankruptcy Is Not The End
During economic downturns such as the one we are experiencing, ... this sounds like a good option, one downside would be that your credit score will be lowered, perhaps ... settlement, will also bring down your credit score, but you gain lower payments and eventual freedom [more...]
Date: 2009-01-15 03:32:03
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
The Credits Secrets Bible Can Help Your Credit Score
Credit is a necessity that we all need. But if it is abused or overextended, you could end up in a bad situation. Credit cards and loan debt is at an all time high and people are looking for ways to repair ... published in 1994 and released as an EBook in 2006. The CPG has compiled dozens of credit repair [more...]
Date: 2009-01-11 14:35:09
All Bets Are Off: How Rick “The Free Capitalist” Koerber’s real-estate scheme helped wreck Utah’s economy. Posted by Robert Paisola
This is an article that was just released by The Salt Lake City Weekly. It is an amazing review of what we reported yesterday, and verifies the facts. This is an exact copy of the story: Photo Credit: SL Weekly 2009Feature | All Bets Are Off: How ... based only on a credit score and a friendly handshake (and sometimes not even a credit score [more...]
Date: 2009-01-08 18:44:00
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
What to do if you’ve been turned down for a loan
Turned Down For a Loan? Improve Your Loan-Ability! This article was written by Becky House, Education Manager for American Financial Solutions. For more information about credit scores, budgeting or managing your debt, visit MyFinancialGoals.org or contact Becky at 1.800.894.3946. Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. [more...]
Date: 2009-09-26 14:37:00
If I check my credit score does it affect my FICO?
The following post in our Reader Question series is an actual user submitted question ... scores. You can read our comparison and reviews of credit report services by visiting NextAdvisor.com. ... your credit report is what is known as a “soft pull” and will not negatively impact your credit score [more...]
Date: 2009-01-16 14:44:35
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
Loose Change: 1/15/09
houdini_CV_20090115092637.jpg Getty Images Personal Finance: -How to shop for legitimate, nonprofit credit counseling. SecretsForMoney ... -Members of the Pennsylvania State Employees Credit Union will be trailblazers in the free credit-score front. It’s an expansion of the “Scores on Statements” program. WSJ -Along with college [more...]
Date: 2009-01-15 14:30:54
A Guide to Repairing Your Credit Score
by Mary Bush In the United States, as well as many other countries, there are laws in place allowing people to mount disputes regarding their credit reports if discrepancies are found. This can salvage your credit score, which is largely based on the results of one’ [more...]
Date: 2009-01-10 08:35:57
Ten Credit Mistakes People Make
Most children are not trained in how to handle credit by their families other than with vague platitudes like ‘pay your bills on time’ and ‘live below your means.’ Practical knowledge about interest rates, revolving credit and credit scores ... discover these mistakes by making them. So here is a list of the top ten credit mistakes most often [more...]
Date: 2008-12-24 13:39:30
To Finance, or Not To Finance?
Well, it finally happened. Our car has imploded. We knew it was coming, it’s had problems for a while. We do have some money saved ... our credit score ever since, but we’re not exactly “prime borrowers”. So, here’s the question: Do we try to get financing on a new car? It would help our credit scores to have an auto payment [more...]
Date: 2008-10-25 09:45:28
Liens
If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]
Date: 2009-01-04 00:30:06
Borrowing for your home loan will get more expensive, Oct. 1
Thinking of buying a home this fall? You may want to close prior to October 1 or November 7, depending on who your lender is ... of their individual risk characteristics … And, if you’ve been bad (credit score under 720), you’ll pay ... quarter-point higher fees upfront. But, if you’ve been good (credit score above 720): Both [more...]
Date: 2008-08-20 14:00:40
How Can I Lower The Down Payment Requirements So I Can Buy Real Estate?
With a few lenders starting to loosen their requirements slightly in San Diego, it's becoming increasingly obvious that the bottom is behind us ... credit score was not considered in VA loan qualification, but this has changed in the last year or so. How low a credit score they will work with is up to individual lender policy. Some lenders want [more...]
Date: 2008-06-17 13:40:32
Veracity US
Ratings For This Site Rating: ★★★★½ About This Site Improve Your Credit Score With a higher score you can reduce monthly debt payments, qualify for low interest rate loans and credit cards, and get into the home or car of your dreams Veracity offers specifically tailored credit repair and consultative strategies designed to quickly [more...]
Date: 2009-01-06 07:22:22
Credit Repair Scheme Promises Fast Score Increases But May Be Illegal
Establishing a good FICO credit score isn’t all that difficult; all you have to do is pay your bills on time ... to wipe out a judgment or a bankruptcy from your credit report. Most consumers, understandably, would rather not wait that long and there is not shortage of companies that promise to repair credit [more...]
Date: 2009-01-08 08:18:32
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
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
What To Do To Secure Your Financial Future
If you want to secure your financial future, you must take action ... items though. She says that if your credit score is above 720 and your interest rate just shot ... credit score, then it is time to find another company. Reducing Your Debt The book contains great [more...]
Date: 2009-01-16 19:31:34
Subprime is not necessarily subprime
Continuing on with the discussion of the financial crisis… One item that seems to be either confusing or misunderstood is that there is no “subprime” loan. Borrowers are assessed based on credit score, credit history, down payment ... A (A- to D) are all considered subprime. Loan performance varies widely based on the borrower’s grade. In March 2004 [more...]
Date: 2008-10-30 16:39:14
How to improve your Credit
Credit Score is the method used by financial institutes to measure your financial health at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers. In Canada, credit history is recorded in files maintained by at least one of Canada’s three major credit-reporting [more...]
Date: 2008-11-19 12:43:21
Finally got my credit score: 698
I held off getting my free annual credit report until after November 30, ... site refused to give me my report or credit score, vaguely suggested that there "might" be some sort ... out how to unlock my account at Equifax so that I could then access both my free credit report [more...]
Date: 2009-01-13 16:46:00
New Year, Better Credit Score: Post 3
stockxpertcom_id12723501_size0-743295.jpg So FICO has branded you with a not-so-desirable credit score and you have made the resolution to bring ... month. Remember also, not all debt is bad. Items like mortgages and car loans on your credit report ... and see if they will take the late payment off so it doesn’t show up on your credit report [more...]
Date: 2009-01-10 15:55:57
Credit Karma Uses Ad Model to Provide Free Credit Information
According to the 2007 Online Banking Report, approximately one in three US adult consumers monitors or checks their credit score in some form or ... the score is usually only free if you enroll in a credit monitoring service. In this margin-rich industry ... . FreeCreditReport.com and TrueCredit.com, the consumer direct sites of Experian and TransUnion [more...]
Date: 2008-11-25 19:39:56
Real Estate: Getting From Where You Are To Where You Want To Be
When I'm driving, and get to busy main streets, I hate turning left onto major streets unless there's a light there ... % financing with a 520 credit score." Three words: Not. Gonna. Happen. But there are alternatives. Seller carry-back or raise your credit score are the first two that come to mind. Given the market right [more...]
Date: 2008-07-20 14:23:38
Wall Street Hyperbole and the Real Estate Markets
Tell a friend to subscribe to the RSS feed and we *might* tell Santa to not leave coal in your stocking this year! ... ), provable income and assets in line with the loan amount being requested, and a credit score above ... qualification: credit, cash (down payment or true equity) or income, they got approved somewhere. Today [more...]
Date: 2008-09-16 20:42:21
Mortgage Rates Are Falling! Will It Be Enough To Save The Market?
As most people know by now, the government has seized control of Fannie Mae and Freddie Mac ... . Credit score requirements are higher and income qualifications tighter. The net effect ... payments; one could venture to say that credit scores across the population are not as good [more...]
Date: 2008-09-11 18:42:24
Is Peer To Peer Lending Coming Into It’s Own?
For several years now, the peer-to-peer lending has been gaining traction as a valid way to borrow money without going through a bank via social ... with lower credit scores. Here are some important points to note: Loans made to borrowers with at least a 600+ credit score returned in the 9-10% range on an average annual basis. Not bad. Loans made [more...]
Date: 2008-12-31 18:25:01
Free Credit Report
With all the previous talks about financial freedom, even taking steps towards being free of debts, ... free credit report. This will enable you to get hold of what your running credit score is and allow ... and get started. It is always best to choose a free credit score than to have to pay [more...]
Date: 2009-01-15 04:32:07
Repairing Credit Is Hard, Not Impossible
On average, if you are an American your credit score probably reads at about 692 A good score is considered to be 700, ... to find information on credit repair feeling lost as they read of lawyers and bankruptcy... ... so really even the average American needs to improve their credit some However, with many people [more...]
Date: 2008-12-25 16:00:00
Mortgage Rates for Friday Afternoon
Mortgage rates are up about 0.125% from what I posted this morning and up a bit more than that compared to last Friday’s post as you’ll see by the ... rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full doc” ... 0.325% to rate FHA. Pricing based on credit score of 620 or better and loan amounts [more...]
Date: 2009-01-16 21:28:17
9 Reasons for a good credit rating or FICO score
Does my credit rating really matter? That question goes through a lot of people's heads as they max out their credit card or don't pay their automobile payment Huntsville Alabama car loans financing with bad credit mortgage home loans, real estate auto insurance, web design. Huntsville schools festivals business events and community [more...]
Date: 2008-12-22 12:51:43
car loans
car loans Filed under: Autos, Finance, Loans Finding A Car Loans Online If you are interested in getting a car these days you have probably ... problem is where to begin. Firstly you should have some idea of your credit score. There are many ... . I personally use creditexpert.com It allowed me for a small mothly fee to view my credit score [more...]
Date: 2009-01-16 17:21:05
Improve Your Credit Score - Determine Your Creditworthiness
Sure, the economy may be flailing, but learning to preserve and maintain your creditworthiness and improve your credit score is still extremely important. If you’ve spent any time watching or reading the news, you’re aware that bad mortgages obtained with faulty credit lending practices and other flawed methods have sent the economy into a ... [more...]
Date: 2008-11-22 19:00:48
When You Are Eligible For A Free Credit Report
By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1 ... to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores ... to obtain the best rates. Bad credit costs thousands of dollars! About The Author Virginia Broobin [more...]
Date: 2008-12-27 07:59:27
Repairing Bad Credit - Things You Need To Know
If you plan on buying a house, a car or foresee needing a loan for something, then it’s important to improve credit, ... and a score in the 700s can end up costing you thousands of dollars in interest. Bad credit repair isn’t something you can pay a nefarious character to just “erase.” Your credit score is designed to let [more...]
Date: 2008-12-09 10:57:47
It’s time to refinance ~ but is your home worth enough to get that great low rate?
Short sales, Bailouts, Mortgage Reductions…there are all kinds of programs being talked about, ... . You have a credit score over 800? Awesome…we’ll give you a loan for up to 100% of the value of your home ... . But I have a question. What about the homeowner who has never missed a payment, has a great credit score [more...]
Date: 2009-01-17 04:16:58
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
Credit information
The Trump Blog, I thought the information in Trump’s blog would be worthy to share with you ... It is said that inquiries can cost you 3-5 points each time your report is pulled. If your credit score i ... much of a risk you really are is by using a mysterious number we all know as a credit score [more...]
Date: 2009-01-10 14:20:37
How To Choosethe Best Mortgage Companny
Finding the perfect mortgage broker may not be easy, but it is very important. This article discloses tips on how to select a mortgage broker ... banks, online banks, credit unions, savings and loan associations and specialty bokers. These types ... your personal credit history and credit score, the amount of the down payment, and much more. It is hard [more...]
Date: 2008-12-04 05:21:14
An AP Stats Lecture
Because yesterday's hearing ran so late, I missed my AP stats class. Here is the way I would explain what went on to my students ... , you lose about $50,000. If the borrower pays on time, your profit is about $100. So approving a bad ... has a credit score, called a FICO score (FICO is an acronym for Fair, Isaac Company, the name [more...]
Date: 2008-12-10 14:20:10
Dealership Scams The Credit Score Scam
(Blog News and Information) httpwwwdealerfraudorgnews20080923dealershipscamsthecreditscorescamThis scam is ridiculous at best This is when the finance manager tells you that your credit score is lower than it really is so that they can get you for higher interest ratesThis scam is pulled on everyone good or bad credit This scam is easy [more...]
Date: 2008-09-24 08:49:17
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
Do you need Credit repair?
In these hard economic times, the credit cards seem to get a little more use than usual ... to improve credit scores, or repair credit. It can't hurt to read and get information if you think ... recently to repair credit, it looked to have a ton of info on the subject. I find it helpful just to read [more...]
Date: 2009-01-13 21:48:00
Did Racism Help Cause the Mortgage Crisis? The Bubble Bursts
Carter Glass In 1997 the FDIC published an imaginary interview with Carter Glass that predicted what would occur with the repeal of the ... . Yet data from a 2002 Fannie Mae report dispels this notion. It found: Credit quality alone therefore ... of credit scores is one of the most widely-used sources. Authors Rick Brooks and Ruth Simon reported [more...]
Date: 2008-12-15 00:20:33
Carnival of Real Estate #117 Winners
Get out of your feed reader and comment on this post- we PROMISE that the ShamWow guy won\'t pop out when you do.. ... , D.C. takes 3rd place for What is My Credit Score and How is My FICO Calculated? Raymond helps ... and gives suggestions as to how to improve scores. In light of a credit crunch, this article is very [more...]
Date: 2008-11-17 20:07:39
Maximizing Your Credit Score
In the past few days, I’ve had four new entries for my contest to win a free copy of 7 Steps to 720 ... book. This time I’m giving away a copy of From Credit Repair to Credit Millionaire by Donna L. Fox ... are a few suggestions for raising your credit score as quickly as possible. 1. Increase [more...]
Date: 2008-12-04 16:30:59
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