credit score : Liens (blog)

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

Blog posts (463) | Videos (385)

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

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

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

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

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

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

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

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

Benefits of Acquiring Bad Credit Auto Loans through Sub-prime Car Lenders

Amazon.de Widgets The world economic recession has created a different set of dynamics before the lenders and primers. With pink slips and instability in the job market borrowers are finding it hard to maintain regularity in repayment. Unavailability of unsecured loans has also added to their worries. This is no less a turbulent time for lenders too. With increased number of bad credit borrowers they are forced to relax their good credit score while approving new loan plans. [more...]

Date: 2009-09-29 07:45:12

Benefits of Acquiring Bad Credit Auto Loans through Sub-prime Car Lenders

Date: 2009-09-29 07:45:12

Some Questions about GMAC

I’m a little late to the GMAC bailout story, but after reading all the newspapers and blogs I usually read, ... with a credit score of 621 was a bad idea on Monday, why was it a good idea on Tuesday? The only theory ... that GMAC will start lending to anyone with a credit score above 620, down from their previous [more...]

Date: 2009-01-01 04:40:56

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

How to Up Your Odds of Getting a Mortgage

by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... is. When you are doing your homework, make sure you get your credit score. This is going to tell you how good or how bad ... that is going to lend to you. If your credit score is good, you are going to find [more...]

Date: 2009-01-04 09:20:10

Exclusive Credit Cards Deals

.fullpost{display:inline;}As there are so many type and features of credit card offered in the market, ... if you don't want to be trapped in a sticky situation of having debts and bad credit score ... of credit card at extracreditcards.com. This website has the discussion and articles that will explain [more...]

Date: 2008-12-02 04:04:00

Should You Walk Away From Your Home?

(source) Despite the struggle, most responsible homeowners don’t think twice about whether they should make the mortgage payment each month ... back from bad credit and don’t want to let your credit score sink again. Whether you choose to fight ... a shot at a loan modification, when you can just take the “Free Housing For Six Months Package” [more...]

Date: 2008-12-03 22:29:29

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

Secured Personal Loans - Providing An Extra Edge

In today’s world every one has ambitions every body wants to achieve something or some people have to get something done it may be related to their ... at 5% onwards depending on the requirement and the credit score. • The monthly installment ... credit checks as well. Secured personal loans [more...]

Date: 2009-01-15 11:25:55

How Women Can Fix Their Credit Before Applying for a Job: Part 2 — Debt and Budgeting

a guest post by Michelle Dunn (www.bizchicksrule.com) ... I ran into a bad situation and turned to a credit counseling service that was a scam and I spent money ... — Earlier today, we talked about credit reports and credit scores. Now, let’s talk about managing [more...]

Date: 2008-09-18 16:25:41

Workable real estate deals may require even more creativity

This is my column for this week from the Arizona Republic (permanent link) ... can help his buyers accumulate a down-payment, perhaps working with them to improve their credit score ... out there with great incomes but lousy credit — more every day. If an investor — or ordinary homeowner — [more...]

Date: 2008-12-20 14:25:56

What is the trick to establishing good credit through using credit cards?

using credit cards ltmac85 asked: Just starting off trying to develope credit to buy a house in the near future, already have a payed off car ... : credit score repair, credit turned down, student loans, high risk lenders Share and Enjoy: Digg ... . So there is no sence in getting a new one to establish credit. Therfore im going to try [more...]

Date: 2009-01-17 21:17:00

Your Free Credit Report Explained

Your Free Credit Report Explained January 11th, 2009 Subscribe To Our Feed Would you say you know all different aspects involved in a credit ... and bad credit score loan lenders recommendation respec ... of an emergency or something unexpected. Borrowers trying to get a loan are checked against their credit [more...]

Date: 2009-01-08 17:52:29

Catch Up For Cheap Auto Insurance

Monday, January 12, 2009 Wondering, when do I have my own car ? After so long I used to catch public transportation, now I'm want for my own vehicle ... No matter how bad is my credit score or excellent credit, theautofinder.com could guide me into find [more...]

Date: 2009-01-12 05:51:00

What You Can Do To Keep Your Credit Score Afloat

Are you ready for a fresh financial start this year? Here are a few easy ways to spring clean your credit score, and begin today to pay down your debt. Order a copy of your credit report. Consumers have access to one free copy per year from the three [more...]

Date: 2008-04-29 21:58:58

Debt Relief Available in Many Forms

by Carlton Ossinger Getting into debt is so incredibly easy ... into the depths of indebtedness, a debt consolidation loan may be in order. While the credit score is still high ... . Just one credit card used irresponsibly or a single financial crisis situation can lead [more...]

Date: 2009-01-17 18:52:55

Before you put in an offer….Check out the Condo Assoc.

Today, Wells Fargo turned down a mortgage applicant with a very, very high credit score ... and he informed me that my agent’s client has: “A high credit score, but 151 Tremont Street has a problem” [more...]

Date: 2009-01-16 02:10:54

Subprime Credit Card

by Dan Moskel A sub prime card was designed for those with a low credit score ... out of your card on your credit you should try to keep the balance at roughly 20% of your available credit ... , and charge offs on their credit report. Every card does have different approval requirements but will give [more...]

Date: 2009-01-16 07:36:06

Getting a Bad Credit or No Credit Auto Loan

By katie George Everyday people swamp into the dealerships all across the US, looking at new or pre owned vehicles ... score and credit history. Bad credit shouldn't stop anyone from getting a car loan, it may ... of residence, most recent pay check stubs, and maybe even references. Bad credit car loans are harder [more...]

Date: 2009-01-09 09:14:28

Finance Issues Online

A good financial resource online can be found at Monitorbankrates.com, an abundant amount of financial quotes, articles, and links all at one site. With so much talked and written about credit that can be had while dealing with bad credit scores, I was surprised to see them talk concerning the issue of Excellent Credit Credit Cards receiving [more...]

Date: 2009-01-17 05:48:23

Getting a Bad Credit or No Credit Auto Loan

by katie George Everyday people swamp into the dealerships all across the US, looking at new or pre owned vehicles ... score and credit history. Bad credit shouldn’t stop anyone from getting a car loan, it may ... of residence, most recent pay check stubs, and maybe even references. Bad credit car loans are harder [more...]

Date: 2009-01-05 22:49:48

Are You Saving Enough In Your 401-k Retirement Accounts? See How You Compare

US News and World Report recently conducted a survey of 401-k participants and broke them down by age group, job tenure, and asset allocation ... ? Check out the full story on US News and World Report’s site. © Own The Dollar - This posting ... ® Credit Score Estimator Related posts:Use a Credit [more...]

Date: 2009-01-07 16:48:56

Fixing Bad Credit Scores (pfblogs.org)

Welcome to How I Save Money! I recently looked at my credit score and saw that it had gone up due to a few factors. These were mainly items like me not adding to my debt load and paying my bills [more...]

Date: 2008-09-28 05:22:28

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