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
Blog posts
(55)
|
Videos
(75)
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
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
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
8 ways to improve your credit score
8 ways to improve your credit score By Katie McCaskey, Geezeo.com Why? Because it’s harder than ever to get a loan. And the higher your credit score, the better your chances of securing a loan at a good interest rate when you need one. Read More » Cheat Sheet Biggest Loser Club on trimming [more...]
Date: 2008-12-13 00:46:40
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
Do It Yourself Credit Repair
by Landon McGehee With each day that passes, a poor credit rating will become more of an expense. Improving your credit score really does pay off ... in return, pose some questions for you to consider. Advertisements for various credit repair services ... of immediate credit repair that is “100% guaranteed”. Some wise advice from the Federal Trade [more...]
Date: 2008-10-13 15:48:10
Your Guide to Do It Yourself Bad Credit Repair
by Landon McGehee With each day that passes, a poor credit rating will become more of an expense. Improving your credit score really does pay off ... in return, pose some questions for you to consider. Advertisements for various credit repair services ... of immediate credit repair that is “100% guaranteed”. Some wise advice from the Federal Trade [more...]
Date: 2008-11-04 08:35:48
New Orleans Condo Search, Your credit scores do matter when applying for a loan!
Banks and lenders have been increasing the scores needed to get the best rates on loans in 2009 ... . This means it a great idea to check your credit score out while you are still in the early ... and get it fixed. There are ways to make your credit score go up by reviewing your open lines [more...]
Date: 2009-01-18 02:59:19
Latest News in Credit Repair and Credit Score - Dec 24, 2008
Saving American economy from ‘Joe the Debtor’ - New Haven Register 24 Dec 2008 at 3: ... s overall score if a manager or employee attends a food safety course approved by the … Your credit report ... . Despite a decent job, homeownership and a good credit rating … Area restaurant ratings - Kinston Free [more...]
Date: 2008-12-24 17:14:31
Friday’s Rates on Thursday
Huh? Since tomorrow is Independence Day, the bond markets will be closed…so I thought I would provide you with mortgage rates on today ... with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan ... %. Rates should be doing great with all this bad news, right? Not so fast! It seems as though Wall Street [more...]
Date: 2008-07-03 18:00:27
How to Recover From A Bad Credit Rating As A Result of Hard Financial Times
by Darrell PriceRepairing your credit after you have suffered through a crisis such as a bankruptcy, foreclosure or a series of unfortunate financial events is a must if you are going to move on with your life. There is a lot to know about repairing your credit and raising your scores. Don’t worry; it is not difficult with the tips provided in this article.If you want to repair your credit yourself as opposed to letting a company do it for you, then you need to understand the basics of credit repair. [more...]
Date: 2009-07-05 13:35:08
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
Read Professional Tips - Car Finance Loan
There are varieties of auto finance. Anyway in most of them it is a common thing that if a person has some money for the down payment ... out his credit report first of all. Actually the credit report plays a big role in getting a better deal, which means the loan on a reasonable rate of interest. A bad credit score puts the borrower [more...]
Date: 2008-12-23 22:26:48
N.J. man learns modifying mortgage to cut payments may impair credit rating
by Moe Bedard on September 29, 2009 · 0 commentsin American Nightmare To confuse consumers even more, not all lenders follow the guidelines.That may change on November 1, when lenders can use a new code to report them as a “loan modification under government program.” The code will clarify which borrowers have taken modifications, but because the modification process itself is not streamlined, it won’t be the only worm squiggling out of the can.The bigger impact on credit scores may depend on how [more...]
Date: 2009-09-29 13:48:05
Rates for Friday Afternoon
Mortgage rates are much improved since what I posted last week. Wednesday and Thursday were rough on the markets as traders braced (and rightly so) ... : 6.125% (APR 6.271%) 0.50% to rate FHA. Pricing based on credit score of 620 or better and loan ... % (APR 7.064%) 0.25% to rate FHA-Jumbo. Pricing based on loan amounts from $362,791 - $567,500 [more...]
Date: 2008-11-07 21:38:07
Read More Information About IVA inside this Blog Publication
One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]
Date: 2009-09-27 21:55:32
Afternoon Edition of Friday’s Rates
Today stocks are rallying based on the events that were announced this morning: ... with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 ... @ 1 Pt: 6.875% (APR 7.550%) by 0.875% to rate FHA. Pricing based on credit score of 620 [more...]
Date: 2008-09-19 20:09:31
Just Tricks…No Treats for Friday’s Rates
Mortgage rates continue to trend upwards like mummies crawling out of their graves. (Sorry…bad reach. Booooo). October has been terrible for rates! ... FHA. Pricing based on credit score of 620 or better and loan amounts up to $362,790 for FHA in King ... all ready be factoring bad news into their brew. Conforming Mortgage Rates (loan amounts up to [more...]
Date: 2008-10-31 19:48:17
Four Quick Ways to Build A Strong Credit Rating
#fullpost{display:inline;}Nov 18, 2008: Much has been written about credit rating and how we can go about improving it. There are companies offering professional services to help us earn better credit scores [more...]
Date: 2008-11-18 05:21:00
Real Estate investing and bad credit reports
by Doc Schmyz In today’s world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit can reduce the opportunities of things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]
Date: 2008-12-31 15:40:09
HOUSING PUSH FOR HISPANICS SPAWNS WAVE OF FORECLOSURES
For years, immigrants to the U.S. have viewed buying a home as the ultimate benchmark of success ... loans, which carry high interest rates and are tailored to borrowers with low credit scores or few ... the housing boom. But when these markets began to weaken, bad loans depressed the value of neighboring [more...]
Date: 2009-01-06 13:19:54
Thinking for a used car loan is a right idea to save more and pay off your debt quickly
More and more people are searching for auto loans for bad credit . With household debt being at an all-time high, credit ratings keep dropping. Just a few years ago, individuals with low scores found it nearly impossible to be accepted for a car loans. Today, things have changed. Banks and lenders have realized that with the increasing debt, opportunities do exist to not only help consumers get a guaranteed car loan , but to help them rebuild their financial reputation once again. [more...]
Date: 2009-08-26 13:25:27
What GMAC’s financing means to you
The auto industry got another boost from the federal government this week, in the form of $5 billion in aid to GMAC, ... , but you can have a bad 621 and a good 621,” Griffin said about credit scores. “It doesn’t mean ... for consumers with less-than-pristine credit or those seeking a low financing rate on a new vehicle. Here’ [more...]
Date: 2009-01-02 14:00:09
What Are Some of the Causes of Bad Credit?
There are a number of factors that can give you a bad credit rating and make getting financing of any kind difficult, or at the least, more expensive. The lower your credit score, the more likely a bank or other finance company is to charge you higher rates of interest if they are willing to ... [more...]
Date: 2008-12-08 19:00:16
Did You See What God Just Did To Us, Man?
Evangelical Christianity’s prosperity gospel is indicted for ints contribution to our current economic troubles: ... who got dicey mortgages to believe “God caused the bank to ignore my credit score and blessed ... to Wachovia and get a loan,’ but I have heard, ‘Even if you have a poor credit rating, God can still [more...]
Date: 2008-10-13 12:22:42
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
3 Ways to Improve Your FICO Score
by Doc Schmyz Once upon a time you could walk into a bank and get a loan on a handshake and your honor ... sheet. Now it?s all about your FICO score. Several credit models can be used for this article ... credit history. Keeping your credit history in good order and improving your rating is not a hard [more...]
Date: 2008-09-04 10:44:55
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
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
Does It Pay to Re-Finance?
Does It Pay to Re-Finance? Refinancing your mortgage can be an excellent opportunity to save money and get better terms on your home loan ... of re-financing. These situations include when rates of interest drop, when the householders credit ... t be longer than the householder plans to retain the property. Credit Score Improvements [more...]
Date: 2009-01-08 14:49:52
Real Estate Short Sales and FICO Credit Scores
Real estate "short sale" is a new term of art that has entered the lexicon during what is considered the worst housing crisis in a generation ... is completed. Sammy avoids having a foreclosure haunt his credit rating for the next seven years. Typically, short sales appear on a person's credit report as "Settled for Less" or "Paid in Full For Less [more...]
Date: 2008-09-12 14:20:35
Credit Cards For People With Bad Credit Scores
Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. [more...]
Date: 2009-01-18 01:46:38
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
Volt Still Kicking as Feds Take $5B GMAC Stake
With a new $6 billion bailout from the Treasury approved late yesterday, General Motors has lowered its requirements for auto loans ... of GM’s retail customers last year, Bloomberg reports). This morning GMAC announced it will provide loans to customers with a credit rating of 621 or above, down from yesterday’s minimum score of 700 [more...]
Date: 2008-12-30 21:00:12
Mortgage Rates following a Dismal Jobs Report
This mornings Jobs Report was ugly. 240,000 non-farm jobs lost in October (higher than the expected 200,000) and unemployment at 6.5% ... with a sales price of $500,000 and a loan amount of $400,000. Rates are priced based on a low-mid credit score ... . Equally bad are the revisions to August and September's figures reflecting additional losses [more...]
Date: 2008-11-07 16:48:53
Mortgage Rates Rising with Inflation
Rates are continuing their climb up upwards. Helping to fuel this rise in rates, ... rate quote below is based on owner occupied with a minimum credit score of 720, “full doc” purchase ... to trade the safety of bonds (such as mortgage backed securities) for stocks. Great for stocks = bad [more...]
Date: 2008-06-13 20:59:03
Models cannot replace brains
I liked this article on how the scientific models for cod population were bogus ... out there with bad credit, but good willingness (and ability) to repay. One test of this willingness ... " rate, make sense: if you can make payments for two years, then your credit score improves [more...]
Date: 2008-10-31 23:24:47
GMAC limits loans to buyers with 700+ FICO rating
Filed under: Car Buying, GMIf you're in the market for a new car, you'd better get your credit score in order first ... some sales, but according to credit information services company Experian, 74.3% of all auto loans went ... . Auto lending units are looking for top tier customers right now, and GM's captive credit arm [more...]
Date: 2008-10-14 12:52:03
The FHA and Impact on Real Estate Values
Today the FHA, the Federal Housing Administration, is a gigantic player in the residential mortgage business. The FHA guarantees mortgages against default, and allows purchases of homes with only a 3.5% down payment, and provides a rock bottom interest rate of near 5%. These lenient terms apply to virtually everyone, even those with poor credit scores and little equity in the home, which are highly correlated with default. [more...]
Date: 2009-09-19 16:13:23
How to get low interest car loan with bad credit score?
Amazon.de Widgets Auto Financing for People With Bad CreditIf you choose optioning car loan or car financing is nothing more than a personal loan to take out in lieu to get an auto or vehicle financing. You have to pay off in easy monthly installment at agreed (Annual Percentage Rates) APR loan until it’s fully paid back.Many Americans; find cars as a necessity to move from one place to another in fast and time efficient tool in modern life. [more...]
Date: 2009-09-10 19:01:24
Insurance company
At carinsurancequote247.com, you will still be able to get free insurance quotes though you are included in high risk driver ... information on how sr22’s affect rates. The SR22 insurance policy is a high risk auto insurance policy, which ... who have vary of accidents or violations of traffic laws and also for those who have bad credit scores [more...]
Date: 2009-01-12 02:23:59
2007 Vs 2009
“The 14 Biggest Differences Between Investing NOW & Investing Pre Dec 2007” ... shortfalling properties, low yields and bad credit scores 2) Pre 2007: People were talking about growth ... in this 14) Pre 2007: Mortgage rates would change slowly, incrementally & infrequently. Cred [more...]
Date: 2009-01-16 14:06:40
Mortgage Rates for Friday Afternoon
This morning’s Jobs Report was even worse than expected with 533, ... s report. Mortgage rates are much improved over the last rate post (pre-Thanksgiving) and slightly ... ). The conforming rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full [more...]
Date: 2008-12-05 21:22:25
Vancouver - here we come. AdWords Advanced Seminars Coming to Canada
The AdWords Seminar for Success series is going to Vancouver. When: February 11th & 12th (Wednesday & Thursday) ... curriculum, don’t forget the fun goodies you also get for attending: $100 AdWords Credit ($50 ... Conversion Rates Ad Copy Calls to Action Optimizing Landing Pages Open Q&A Quality Score [more...]
Date: 2009-01-15 16:27:26
Checking Out Current Mortgage Refinance Rates
Inspired by Jim’s recent efforts to research a possible refinance, I decided to drop by LendingTree to see what they have to offer ... offers that don’t take into account your credit score, etc. He further stated that he could do much [more...]
Date: 2008-12-23 20:55:28
Cooley furious with Fairfield’s defense
... s defense with a four-letter, R-Rated word. Trust me, you won’t need to study the following sound byte ... t know the last time I coached a game where we scored 81 points and lost.” Cooley went on to give due credit [more...]
Date: 2009-01-01 23:32:19
FICO Toolkit for 50% Off
We wanted to share with our readers a great deal on learning about your FICO score and helping to get out of debt. Not sure what your FICO score is? ... is some of what it offers: Action Plan personalized to your credit report and goals 3 Credit Reports (from all three ... which cards to pay off first, etc. Fairness - It checks the fairness of rates to [more...]
Date: 2009-01-16 19:02:07
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 ... of having a good credit score can be very rewarding and fulfilling. You might be asking yourself, what exactly is a good credit score? Well, the average rating for people in the US with a debt below [more...]
Date: 2008-12-22 12:22:27
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
