Is Gilbert The New Castle Rock?

I recently had a change of plea for a DUI in Gilbert where I started to feel like I was in a Stephen King novel ... . Maybe Gilbert wants to help out the payday loan business? Maybe they think a reduced credit score ... in effect. I think the judge actually felt bad about the policy, and I can see why. Not only does [more...]

Date: 2009-01-17 18:11:08

Blog posts (133) | Videos (194)
 

High Risk Personal Loans: Ready Financial Help In Spite Of Bad Credit

A high risk personal loan is a golden opportunity for a bad credit borrower to recover his credit score by making timely repayments. It also saves him from further humiliation and fees and penalties. [more...]

Date: 2009-01-12 13:19:26

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

Great GM Giveaway May Rescue June Sales. But At What Cost?

We're getting reports from the front line that GM's 72-hour sale is a success-- of sorts ... stop digging" maxim; offering low credit score buyers up to 150 percent loans (to get them ... . IF this plays out across the country, GM's Black Hole Tuesday numbers will be bad, but they won't be as bad [more...]

Date: 2008-07-01 14:05:07

Try getting a loan

by Misha Weidman: I’ve been talking to lenders over the last few weeks to get a sense of the credit crunch from their side of the desk ... have a stash of cash ready to go for your down payment and your credit score better be impeccable – or you’ll ... . Several were loan officers at big retail banks like Bank of America and Wells Fargo. Others were [more...]

Date: 2008-12-20 16:35:30

Stopping Foreclosure Through Lender Mediation

by Tomasheus Privetsky You’ve had more than your share of difficulties in the last few months ... A Workout Of Your Loan If you have missed a few payments, your credit score will drop dramatically; once this data is on your credit report, it will be difficult if not impossible to get a new loan [more...]

Date: 2008-12-19 22:27:21

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

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

GM 72-Hour Giveaway May Prop-Up June Sales

We're getting reports from the front line that GM's 72-hour sale is a success-- of sorts ... digging" maxim; offering low credit score buyers up to 150 percent loans (to get them ... . IF this plays out across the country, GM's Black Hole Tuesday numbers will be bad, but they won't be as bad [more...]

Date: 2008-07-01 14:44:07

GMAC Bailout Saves the Day!

Ben Bernanke's bailout binge(how do you like that tongue twister?) ... criteria for auto loans to include customers with a credit bureau score of 621 or above, relaxing ... ) -- The U.S. Treasury committed $6 billion to support GMACLLC, the financing arm of General Motors Corp., widening [more...]

Date: 2008-12-30 21:38:00

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

Keep Closing Costs Down

Keep Closing Costs Down January 14th, 2009 | Category: ... costs can vary dramatically for buyers who have identical credit scores, loan terms, and mortgage ... home security bmw diy amplifier wiring sewing aquarium solar flooring auto repair led speaker [more...]

Date: 2009-01-14 11:46:00

Credit Repair - 7 Tips to a Better Credit Score

There are many things that you can do that will help your overall credit ... automobile, is going to be approved or not. Bad credit is by far the biggest obstacle in securing a loan from a lender. Thus, there is a need for credit repair to address any bad marks currently [more...]

Date: 2008-08-12 08:48:45

Credit Card Lenders Clamp Down Hard

Consumers are in a newly austere mood, and those who have lived beyond or at the edge of their means may be forced to retrench whether they want to ... wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... , some can come back to haunt consumers. The result can be a lower credit score, which forces a borrower [more...]

Date: 2008-10-29 03:50:36

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

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

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

Car Incentives Are Back

It is no secret that American auto manufacturers are facing declining sales ... financing for new cars especially for those who have a credit score of 700 or better. Those with bad ... over. Recent additions: No Credit Auto Loans Is Now the Best Time To Buy A New Car? Examining [more...]

Date: 2008-07-30 20:07:10

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

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

Real Estate Agents And Home Loans

Many real estate agents are used to helping people obtain home loans to purchase their dreamed property. Not all of them however have expertise on [ ... URL=http://www.yourloanservices.com/join.html home loans for bad credit applicants /URL ... for financing even if they show a clean and perfect credit score and history. Thus, you need to take [more...]

Date: 2008-12-13 23:46:02

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

Borrowing Beyond your Limit can Result in Consumer Debt

Consumer debt has risen to worrying percentages in the past few years ... debt can be acquired in various forms, including through a credit card or a payday loan. There are many ... of the loan, how much the borrower is able to pay back per month, their current credit score [more...]

Date: 2009-01-17 00:24:29

Free Credit Report

How many debts do you have now? Do you have one, two or three kinds of debt? Or even more than that? ... quickly and easily as well as remove credit report errors. As soon as we get that status, we can improve ... our credit score but also close our chances to get more loans again in the future. What I have mentioned [more...]

Date: 2008-12-17 12:18:11

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

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

The Questionable Aspects of The Housing Bailout Bill - H.R. 3221

By Xin Lu In my last article I wrote about the one aspect of the $300 billion dollar housing bailout that I thought made sense, ... loan despite bad credit and past financial mistakes. This is encouraging for those truly trying ... of the mortgagor's current FICO or other credit scores, or any delinquency or default by the mortgagor under [more...]

Date: 2008-07-24 23:05:15

Bad Credit Repair Guides

Thursday, October 30, 2008 Do you often rejected in applying for loan because of your bad credit record? ... struggling, the bad records of our late payments and other kind of negative reports will hurt our credit ... score for some points. If you have no any idea on how to obtain those credit reports [more...]

Date: 2008-10-30 07:29:00

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

Short Term Loans: Small Financial Relief

Short term loans are small financial help extended to all. Those with bad credit scores can also entail these loans. There is no restriction on the usage of loan amount. [more...]

Date: 2009-01-12 13:19:26

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

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

Your Credit Score Affects Your Reputation

Reputation is a measure that all of us have ... . This will ensure that you can get the payoff put on your credit report. What you should then do is to stop ... ; your financial reputation is what stands between you and loans, credit cards, apartments, rentals [more...]

Date: 2009-01-07 13:45:30

Chrysler to Offer 0% Financing After New Bailout

The government loaned Chrysler Financial $1 ... to a wider range of credit scores, which means it will be that much easier for people without sterling scores of 700 to buy cars. A score of 620 will be sufficient to get you into a vehicle. Chrysler [more...]

Date: 2009-01-16 21:38:39

California Debt Consolidation

California Debt Consolidation January 16th, 2009 Debtors are the ones who face tough times ... in California through their debt consolidation loan help you to improve your credit score. They abide [more...]

Date: 2009-01-16 04:11:25

Bad Credit Don’t Have To Worry

As someone who always concern to the public issues today, I do feel sorry about crisis global nowadays ... bad is your bad credit score today ? Do you think that you can die because you can’t pay your bills ... than perfect credit could found a way to find a loan online. Don’t be worry anymore, and I can’ [more...]

Date: 2009-01-12 04:48:51

The Bible on Debt

For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why ... and my father's credit score is now hurting because ... and so my father cosigned the loan on the vehicle as my foster brother had no credit. After he moved [more...]

Date: 2008-08-10 10:06:02

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

Want a Loan? Act Responsibly

Someday, banks may try to assess the credit risk of borrowers via “responsibility” scores based on unconventional metrics like school grades or eBay reputations As bankers claw their way out of the credit crunch, they’re likely to get a lot ... drivers. Indeed, quantitative analysts in major banks and researchers at credit risk companies are hard [more...]

Date: 2008-10-24 13:30:11

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

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

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

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

Topics In First Time Mortgages Explained

Topics In First Time Mortgages Explained Posted By Chris Channing on @ 11:30 pm by Chris Channing When it comes time to buy a house or vehicle, ... locations. Having a bad credit score often hinders many from even attempting to obtain a mortgage loan. This shouldn’t be a deciding factor, since many lenders these days expect most to have a less [more...]

Date: 2008-10-21 04:30:38

Payday One Saves the Day!

In my family, birthday parties are something we all get into the most.  I have several sisters, and they just love it like nobody’s business ... and you can apply 24/7 from work home or work. What’s more, even if I have a bad credit score, the company screams ... a decent donation. So I googled online for quick payday loans, the kind where there’s no [more...]

Date: 2008-12-05 09:06:18

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

Best Way To Improve Your Credit Score After Bankruptcy

by Jack Bronson The attitude towards bankruptcy is changing gradually today. As more and more people go for bankruptcy filings, it is no more looked at as something negative. When the debtor is unable to pay back his or her loans they go for bankruptcy filing. This is basically telling the court that he or she does not have any resources to payback one?s debts. Both individuals and companies are allowed to file bankruptcy in the federal court. [more...]

Date: 2009-09-25 14:16:12

White House Throws GMAC $6 Billion Rescue Line

Remember when the Bush administration was opposed to tapping the $700 billion Wall Street bailout to help Detroit’s Big Three? Fugetaboutit ... percent fewer loans worldwide than it did a year before, Dow Jones reports.) The $6 billion — ... from a minimum credit bureau score of 700 two months ago down to a score of 621. From a statement from GMAC [more...]

Date: 2008-12-30 16:29:15

Bankruptcy Repair Strategy That Will Improve Your Credit Score

by Jack Bronson The attitude towards bankruptcy is changing gradually today. As more and more people go for bankruptcy filings, it is no more looked at as something negative. When the debtor is unable to pay back his or her loans they go for bankruptcy filing. This is basically telling the court that he or she does not have any resources to payback one?s debts. Both individuals and companies are allowed to file bankruptcy in the federal court. [more...]

Date: 2009-09-25 14:12:53

Topics In First Time Mortgages Explained

Topics In First Time Mortgages Explained Posted By Chris Channing on @ 10: ... can be discounted as a tax write off where applicable. Having a bad credit score often hinders many from even attempting to obtain a mortgage loan. This shouldn’t be a deciding factor, since many [more...]

Date: 2008-10-21 03:44:39

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