Houses, Credit Reports, Lenders….ACK!
Wondering about buying your first home? Are you ready to move up or down-size? Have you heard they aren’t making loans any more? ... gift’ you cash for a down payment. AND *You don’t need stellar credit with FHA loans! Bad things ... your needs. *Good credit; your credit score needs to be 620 or higher, in most but not all cases. FHA [more...]
Date: 2008-11-08 12:00:06
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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
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
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
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
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
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
How to Raise My Credit Score
A common question many people have is how to raise their credit scores ... it down! When you have an account with no negative reports, it looks good on the credit report. Don’ ... score is just a bunch of statistics! Get a copy of your credit report and scan for any errors [more...]
Date: 2009-01-16 07:26:13
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
Latest News in Credit Repair and Credit Score - Dec 03, 2008
Bad Credit ? Should I Hire a ‘Credit Repair’ Company? - Austin Chronicle 2 Dec 2008 at 2:26am Having bad credit is never really a good thing ... not be in … Economic Survival 101: How do I improve my credit report? - HamptonRoads.com 26 Nov 2008 at 7:36pm FICO is short for the credit score system offered by Fair Isaac Corp., the company [more...]
Date: 2008-12-03 14:12:54
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 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
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
Looking for a quick fix to solve your credit problems?
by Ricardo Mendiola Since over half of the population has a credit score that teeters below the good line, ... that there are so many Internet scams for credit repair aimed at taking these people’s money. You do not want ... , and if you are already doing well and avoiding the need for credit repair, chances are good that with a few tips [more...]
Date: 2008-09-17 08:17:16
Latest News in Credit Repair and Credit Score - Sep 10, 2008
Key is to pay bills on time - Baltimore Sun 8 Sep 2008 at 11:19pm A good credit score matters a lot now if you’re in the market for a home loan and don’t want ... by the foreclosure wave. Two years ago, a 620 FICO score was … Florida Real Estate: Fix Your Credit Score [more...]
Date: 2008-09-10 15:51:22
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
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 To Get A Good Credit Score
by Russel Grant Making a healthy credit grade is serious in today’s society ... , an individual can begin obtaining a no credit or bad credit Master Card or Visa. This will be helpful ... their credit grade and help them to purchase luxury items on the credit. It is very easy to get a bad [more...]
Date: 2008-12-19 08:25:00
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
Collector Threatens Jailtime Over Dead Debt [Debt Collectors]
Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... for the last 10 years. I have maintained a checking and savings account in addition to many bills ... there ridiculous yearly service fees, and monthly account fees in full each month helped boost my credit enough [more...]
Date: 2008-10-24 21:04:06
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
Congress chats, markets take off
Not the credit markets, though.On Monday, the Dow Jones index plunged 778 points but yesterday it soared 485 points even though nothing changed ... : people with good credit scores are being offered car loans at 9 and 10 percent, while nearly no one else is getting financed at all:“It frankly has become a nightmare for dealers and consumers [more...]
Date: 2008-10-01 10:07:00
Latest News in Credit Repair and Credit Score - Sept 02, 2009
Looking good for the long haul - Minneapolis Star Tribune 1 Sep 2009 at 12:11pm HOUSTON - There was little doubt who the marquee attraction was Monday night at Reliant Stadium. Two weeks after joining the Vikings, Brett Favre played into the third quarter of his team’s 17-10 victory over the Houston Texans. [more...]
Date: 2009-09-02 10:58:27
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
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
Treasury Warns Against Getting Into Trouble With Debt
Earlier this month the Treasury Department, headed by Henry Paulson, in conjunction with The Advertising Council, ... financial future. I love the tagline: “Don’t let your credit put you in a bad place.” In an apparent ... online video game that attempts to teach the importance of having a good credit score managing debt [more...]
Date: 2008-09-29 16:47:02
Housing collapse continues
Housing collapse continues A first hand report has come in to my iceberg of someone who wants to buy a home, has a 20% downpayment, a good credit score, suitably large income, and... can't get a loan on the home he wants. It is, apparently, too far from the nearest fire hydrant and thus does not meet Fannie/Freddie or FHA [more...]
Date: 2008-11-10 05:10:33
Auto Refinance Loan – How To Get The Cheapest One
These are difficult economic times and people nationwide search for alternatives in order to make manageable their monthly finance, ... suggesting - included car refinance loans - and, the Bad Credit Car Loan center of resources. Find ... . Secondly, if you got your car but at that time your credit score was not as good as today [more...]
Date: 2008-12-31 07:33:49
Refinance home mortgage
Home mortgage is very common these days. The moment I am writing, Obama has taken a lead over McCain in the president election ... your loan amount. Hence you will loose any possible chance to get the refinance. You should really have good credit score. No lender or bank will give you loan if they find out that you don’ [more...]
Date: 2008-11-05 10:58:55
SmartAboutMoney.org - Taking Control of your finances
SmartAboutMoney.org is a website dedicated to helping you get a grasp on your finances ... of your life. I know I’ve been guilty of bad credit practices and it has taken me years to overcome ... ,retirement income planning,what is a good credit score,get out of debt plan,free household budget worksheets [more...]
Date: 2009-01-02 17:21:20
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
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
Not So Happy New Year As Financial Crisis & Pain Grow; Home Prices & Consumer Confidence Down Dramatically; Will 2010 Be Better?
Happy New Year! If you are like most people, that may sound a bit like wishful thinking this time around. And, I’m afraid, with good reason ... markets, the news agency reports. Any good news? Well, yeah. I suppose. Sort of. If you have money or can get money (many can’t nowadays even with pretty good credit scores) then you can probably find [more...]
Date: 2008-12-31 21:56:06
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
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
Re: [khabor.com] Root cause of all terror Is Indian occupation of Kashmir: Mi...
What view does the Secretary holds on Muslims' demands for creation of a state of their own out of the Philippines? ... his comments on the Kashmir dispute, insisting the resolution of the conflict was essential to root out terrorism from the region. A Good Credit Score is 700 or Above. See yours in just 2 easy [more...]
Date: 2009-01-17 03:34:00
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
Live in Rest with Real Estate Loans
by katie George You are looking for a nice home to live in rest but what is worrying you is the limited budget ... loans can be accessed by everyone. Thus both good and bad credit holders are welcomed here ... financial assistance for buying home, a bad credit holder can also improve his adverse credit score [more...]
Date: 2008-12-29 19:07:57
The loan money i$ out there…….
Qualifying for a mortgage is not nearly as easy these days as it was just a couple of years ago, before the subprime-loan-market collapse and the worldwide credit freeze. Still, mortgages ... and detail – good or bad – your borrowing record contains. A consumer whose credit score is a little [more...]
Date: 2009-01-15 17:02:23
Fulfill All Your Wishes with Secured Personal Loans
by katie George Secured personal loans-from the name, it is easily understandable that these loans are provided to finance personal wishes ... terms and condition. Moreover, having a good credit score enables borrower to get a profitable deal [more...]
Date: 2009-01-01 16:15:45
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
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
Why Even Good Credit Might Get Cut
(Photo: Dan Esparza) You can afford your mortgage, you have a high credit score and you pay your bills on time every month. So why did American Express just slash your credit limit? Could be because of where you shop? A combination of the credit crisis and the increasing use of predictive analytic models [more...]
Date: 2009-01-16 02:35:39
Debt Consolidation Services: What Can Be Better That It?
You can get a loan anytime you want nowadays. But when the debts become too much and when the time to repay it arrives then problem seems to arise ... scores do not matters in these loans and along with the good credit holders you too will be allowed. All those bad credit records include defaults, arrears, late payment, skipping of installments [more...]
Date: 2009-01-17 00:24:32
How Much Is Your Credit Score Costing You?
I hate to say it, but just change your time is no longer sufficient. There was a time when everything you do, good credit to have ensured that all your bills ... , simple decisions you can not pass on your credit card. But why? What is the average consumer, which [more...]
Date: 2009-01-14 13:14:07
This oil man favors a gas-tax hike
If the government raises the cost of driving, it surely would be bad for the energy business. So what's the CEO of Western Refining thinking? ... or more. He's even willing to credit the Europeans with a good idea or two on this score, as he explains [more...]
Date: 2009-01-03 19:26:00
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
Cover To Cover: Hoopz For King Magazine
LexAve from Straight From NYC got first dibs on Hoopz’s October 2008 King magazine cover. Her fake lashes makes her eyes look a little wonky but thumbs up on everything else. Girl, you better sell that ass like your credit score is depending on it! T. Error Mari is a good girl gone bad [more...]
Date: 2008-08-18 22:43:45
Friday Stories: Hero Pilot, Bad Birds & Sea Kittens
Stories I’m watching this Friday: Everyone lives, the pilot averted disaster by ditching in the river, and ordinary humans acted like heros ... American help in the oil business Peru must not have a great credit score MarketWatch: 6 brutal facts you need to realize about your retirement Good for you, bad for phone companies: possible cell phone [more...]
Date: 2009-01-16 03:49:36
My Year End Financial Performance Review
Mr. ToughMoneyLove has spent a good part of the past five months being critical of others who use poor judgment in matters of personal finance ... of the almighty credit score. Depending on your own attitude about these subjects, I may come across ... now looking at the yearly performance of our entire portfolio. Frankly, I knew it was bad [more...]
Date: 2009-01-05 13:33:20
