7 Don’ts for Fiscal Freshmen
( This is a guest article by Jack Busch* ) As a student, your financial picture is a bit unique. You have few assets and few hours to devote to a job, thus little income. You have little credit history (good or bad) but some limited access to revolving credit and other loans. Because of this, the years between matriculation and graduation are somewhat of a testing ground for your creditworthiness. [more...]
Date: 2009-09-23 08:59:15
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Tips on buying Memphis Home
by S. Kim When it comes to buying a home this can prove to be a very stressful period in our lives ... from the credit reporting agencies (Experian for example). Now go through them and if you see any ... at a good rate it is important that your credit history looks good. Therefore a few months before [more...]
Date: 2009-01-17 14:51:05
Tips on buying Memphis Home
by S. Kim When it comes to buying a home this can prove to be a very stressful period in our lives ... you can obtain for free from the credit reporting agencies (Experian for example). Now go through them ... to get what you want at a good rate it is important that your credit history looks good. Therefore a few [more...]
Date: 2009-01-17 15:03:29
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
Strategic Defaults
The L.A. Times’ Ken Harney wrote this article on the study of homeowners with good credit histories intentionally defaulting on their mortgage: http://www.latimes.com/classified/realestate/news/la-fi-harney20-2009sep20,0,2560658.story An excerpt: * Strategic defaults are heavily concentrated in negative-equity markets where home values zoomed during the boom and have cratered since 2006. In California last year, the number of strategic defaults was 68 times higher than it was in 2005. [more...]
Date: 2009-09-30 20:43:25
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
Buying Memphis Home
By S. Kim When you are buying a home this can be a very stressful period in your lives ... you can obtain for free from the credit reporting agencies (Experian for example). Now go through them ... to get what you want at a good rate it is important that your credit history looks good. Therefore a few [more...]
Date: 2009-01-14 20:13:24
Store credit cards - when do you need them ?
It is often tempting to apply for store credit cards as they are often accompanied by 15 to 20% discount on the first shopping. However these may not be good in long run - regardless of your credit history - good or bad ... on the merchandise as well as on the interest. They also save on the credit card commission that usually [more...]
Date: 2009-01-05 03:11:00
Why A Credit Score Is Crutial To You
Credit scoring is nothing new, it’s been used for 4 decades. A good credit grade is crucial in our financially forced order ... you can begin to apply for a bad credit or no credit visa Master Card. This will be helpful ... a house or a car and gaining a charge card, a person must have a good standing in their credit history [more...]
Date: 2009-01-03 21:05:48
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
Online Payday Loan
Many of us are suffering financially, especially of today's economic crisis and sometimes we run out of budget and don't have enough cash until ... if your are qualified for payday loan because of your credit history? Don't worry about your bad or good credit ... information. You will really amazed at how quickly your payday loan application will be [more...]
Date: 2008-07-22 17:25:13
Credit Cards Dealing With Bankruptcy
by John Steed When a person or organization or institution files for bankruptcy, it is not always because they are unable to pay their creditors ... . The commonest of these are the institutions that offer credit card facilities. The advantage of going ... . As a requirement, the debtor is required to have an up-to-date copy of your credit history, good [more...]
Date: 2009-01-14 20:27:17
Fast Funds for Emergency Economic
A tenant lacks the financial of owning the most valuable asset like a home, which can be most reliable security times of financial need ... this discrepancy in their services and have therefore, introduced the concept of the bad credit ... to be placed against a loan and suffers from a poor credit history. Some of lenders providing the good [more...]
Date: 2008-10-31 16:26:42
The Four-Paragraph White Flag
As I watched the following section of President Bush's speech tonight, ... if you have good credit history, it would be more difficult for you to get the loans you need to buy a car ... instinct is to oppose government intervention. I believe companies that make bad decisions should [more...]
Date: 2008-09-25 03:46:00
Was the 'Credit Crunch' a Myth Used to Sell a Trillion-Dollar Scam?
By Joshua Holland, AlterNet.December 29, 2008.Even as the media continue to repeat the claim that credit has frozen up, ... , the results would be disastrous: "Even if you have good credit history, it would be more difficult for you to get the loans you need to buy a car or send your children to college. And ultimately [more...]
Date: 2008-12-31 04:44:00
Memphis Home
by S. Kim When you are buying a home this can be a very stressful period in your lives ... from the main credit reporting agencies like Experian. Spend time going through them and if you see ... idea to make sure that your credit history is looking good beforehand. A few months before you start [more...]
Date: 2009-01-17 15:02:04
Recognizing a Credit Repair Scam
by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * Before they provide any credit repair services, the company wants [more...]
Date: 2009-01-16 06:24:58
Glorious Beloved Deregulator Guy speaks
Listening to the Beloved Glorious Decider Guy tonight I was struck by two things. I had to actually go to whitehouse ... , you would find it harder and more expensive to get credit. More businesses would close their doors, and millions of Americans could lose their jobs. Even if you have good credit history, it would [more...]
Date: 2008-09-25 03:45:32
Race based social engineering led to current economic crisis
Race based social engineering led to current economic crisis Diana West is one of the few with the guts to say it: ... for minorities. To implement this policy, banks had to overlook traditional markers of good and bad risk--credit histories, employment, down payments, etc.--thus opening up the housing market to loan [more...]
Date: 2008-10-06 07:25:01
More Info On Good Credit History
Bankruptcy is an option but the laws havechanged and it is not always the best way ahead ... you may have ended up hindering you. Bad Credit Personal Loans Getting your credit card debt ... . It is often the case that these credit card debts have increased over a period of time because [more...]
Date: 2008-12-20 06:29:26
Identify Credit Repair Scam in 6 Ways!!
by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * The company wants you to pay for credit repair services before [more...]
Date: 2009-01-16 06:23:45
Tips on buying Memphis Home
by S. Kim When you are buying a home this can be a very stressful period in your lives ... idea to make sure that your credit history is looking good beforehand. A few months before you start looking for a place to buy obtain copies of your credit reports. Today these you can get for free [more...]
Date: 2009-01-17 15:07:22
Top 3 Tips for Qualifying Your Renter / Tenant
What Make A Good Renter? Is a good renter someone with great credit, or large deposit or maybe high income? ... really work and how much do they make. Debt to Income Ratio - While pulling credit can give you an idea of credit score and repayment history, how are you going to judge individuals that have gone [more...]
Date: 2008-10-03 12:59:43
Universal Auto Loans : Arranged Loans With Different Features
Universal auto loans can help almost anyone. They are even a great way for those, who get their first experience in the world of finances. With bad credit history, borrowers can start building their score and earning themselves a good credit report.So many different features... read more [more...]
Date: 2008-12-10 10:31:57
The Inauguration Day Drinking Game
What good are momentous events in our nation’s history if we can’t use them as an excuse to get hammered and make some bad decisions? ... Historic” “Monumental” “Kennedy” “Lincoln” “Change” (as a noun) “Most anticipated inauguration in history” ... hippie. Jesse Jackson takes credit for Obama’s campaign. A Fox News correspondent speaks in hushed [more...]
Date: 2009-01-16 15:10:44
Seller Needs To Be Braced And Not Take Things Personally
The Seacoast reports from Maine. “A study released by Maine Real Estate Information System Inc ... . “First-time home buyers with good credit histories currently have many opportunities, said Georgia [more...]
Date: 2008-07-29 13:13:29
For Strong Banks Mortgages Are Good Business - Example Navy Federal Credit Union
2008 saw a huge shakeout in the mortgage industry as those banks that profited off of subprime loans disappeared or merged with ... are making good loans highly profitable. The Navy Federal Credit Union just announced ... Federal’s 75-year history. “Navy Federal never engaged in sub-prime mortgage lending,” said Cutler [more...]
Date: 2009-01-06 14:44:19
Why Your Credit Rating Is Important
by Steve Collins Credit ratings, at their most straightforward, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]
Date: 2009-01-17 22:27:43
Unsecured Loans for Advances not Against Collateral
Unsecured loans are offered without any collateral ... with bad credit can face difficulty in qualifying ... of personal purposes. For raising unsecured loan, borrower must preferably have a good credit history [more...]
Date: 2009-01-16 06:11:02
Your Credit Rating And You
Credit ratings, at their most straightforward, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain? [more...]
Date: 2009-01-17 22:54:06
Cash In On Bailouts With Index Trading
by Doug West President Bush has been on the TV a lot lately. Too late for him to go down in history as a good president, but we will give him credit for trying. The Pres. has assured us all that we can grow our economy by spending more money. He even sent [more...]
Date: 2008-12-20 10:44:08
Your Credit Rating Is Important
by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]
Date: 2009-01-17 22:53:50
Your Credit Rating And You
by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]
Date: 2009-01-17 22:41:15
Your Credit Rating And You
by Steve Collins Credit ratings, at their most straightforward, are personal debt histories ... assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain ... . Credit ratings can haunt us for our entire life, providing a often worrying picture [more...]
Date: 2009-01-17 22:23:20
Latest News in Credit History and Jobs - May 1, 2009
House clears bill reining in credit card practices to protect … - Minneapo… 30 Apr 2009 at 12:29pm It was written that Cornelius Vanderbilt learned early in his adulthood that personal vengeance makes for good business. I’ve never missed ? read more a credit card payment since I’ve had them - years. [more...]
Date: 2009-05-01 08:08:06
Econo-clash: When stocks hit 5-year low, do you cry?
Simple recession? Big depression? That’s what confronts our economy ... . (MORE!) Mr. Pessimist: Look even at some seemingly good news. Experian PLC — the credit-history trackers [more...]
Date: 2008-11-19 23:50:05
Shapps Exposes Loan Sharks Who Charge 10,000% Interest
In times of economic crisis loan sharks come into their own ... between companies without losing their credit history and this will force down rates.This is a good ... . Today, Tory Housing Spokesman Grant Shapps is releasing a report, PAYDAY FOR LOAN SHARKS, which [more...]
Date: 2009-01-09 00:34:00
College Loan Refinance
College Loan Refinance div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC; ... strategy is to have a good credit history. Refinancing [more...]
Date: 2009-01-16 21:45:49
Some Useful Tips on Securing A Good Value Personal Loan
by katie George Be sure to ask for quotes not only from your current bank or any other nearby, but also from other finance companies, ... to find convenient low-rated unsecured or bad credit loans, the chances of that are very small ... your credit history is, it may be very difficult to find unsecured loans, as most lenders will impose [more...]
Date: 2009-01-03 10:38:27
Some Useful Tips on Securing A Good Value Personal Loan
by katie George Be sure to ask for quotes not only from your current bank or any other nearby, but also from other finance companies, ... to find convenient low-rated unsecured or bad credit loans, the chances of that are very small ... your credit history is, it may be very difficult to find unsecured loans, as most lenders will impose [more...]
Date: 2009-01-04 11:46:48
Car Loans
by Amanda J. Keppel Buying a car needs a reasonable amount of money which many persons cannot afford ... face problem of an adverse credit history. The lenders hesitate in offering a car loan to bad credit ... . Taking help of the car financers or dealers does not work as a good option. They charge high [more...]
Date: 2008-06-22 22:33:47
Herod Would be Proud
A remarkably 19th Century Manichaean view of religion has enjoyed rather a lot of favor in our press and among the manufacturers of culture since ... simple: if it’s evil it comes from religion and vice versa. If it’s good, then claim credit for it as a triumph of atheism over superstition. Hitchens, for examples, sees human history [more...]
Date: 2008-12-31 07:00:37
Marrying Debt
Most people get married without having done a forensic financial investigation into their partner’s life. Passion can be distracting ... good or bad your buddy is with money. I am often surprised at how willing some partners ... s crappy credit history could come into play when it comes time to start fulfilling some of your dreams [more...]
Date: 2009-01-08 15:18:50
Where's The Consumer Interest Tax Deduction?
by Deacon Blues Mike Lillis of the Washington Independent gives us a good piece on credit card reform, noting the (to be expected) ... the taxpayers for the biggest swindle in history with the TARP. It appears that the Democrats once again ... that would help taxpayers now without pissing off the ABA. Since Bush's credit-card foreign policy [more...]
Date: 2008-12-23 20:05:56
Where’s My Cake?
Every once in a while a dessert is so good that it disappears before you get to serve yourself. This is exactly what happened to me earlier this week. I’ll get to why I can’t take full credit ... of us has a history, an identity, and a future that includes, but is so much more than what others [more...]
Date: 2009-01-18 07:32:28
The Good Deals Available Here - Cheapest Car Loans
You don’t need the IQ of a nuclear physicist to find the cheapest car loans but they’re not exactly handed out free as you’re walking through the local shopping precinct either. Let’s be clear - most people who can show regular income and a relatively stable credit history should be able to find a loan providing the amount they’re looking for bears some relationship to their income. [more...]
Date: 2009-06-18 10:01:29
Personal Loans
Are you looking for an online personal loan service? Personalloanmania ... like this. She said that it's very easy and reliable. They accept any kind of personal loans you want. The good thing is you can still qualify even though you have a history of severe bad credit. Your loan [more...]
Date: 2008-07-27 15:43:00
Think Big 3 Bailout's A Good Idea? Jaguar's History Suggests It Isn't
By JOHN TAMNY | Posted Tuesday, January 06, 2009 4:20 PM PT With England's economy gasping in the mid 1970s due to a combination of nosebleed rates ... by the British government in 1975 thanks to skeptical credit markets, and it remained that way until ... . While private companies face bankruptcy if they regularly fail customers, Jaguar's access to the [more...]
Date: 2009-01-07 02:59:00
It Seems History Has a Sense of Humor
Good Morning Bloggers - Well, the holidays are over - thank God - and now we begin to focus on the inauguration and the upcoming storm of activity by ... " in his policies.They do credit him with appointing a "moderate" team so far, but they won't stop criticizing ... he distributed the CD, but I'm less proud to report that a reasonable survey of [more...]
Date: 2008-12-29 15:08:00
Fannie, Freddie, Subsistence Farming and You
Fannie, Freddie, Subsistence Farming and You Sharon September 9th, 2008 “More than at any time in history mankind faces a crossroads ... our cars going, our houses heated, etc… this is a good part of why (ok, we weren’t going to do it anyway ... our ability to adapt in the future depends on not just real dollars, but credit - either way, we’ve [more...]
Date: 2008-09-09 15:48:41
