negative credit report : Best Mortgage Refinancing Rates (blog)

Best Mortgage Refinancing Rates

When a homeowner refinances, they always want the best mortgage refinance rates possible. Getting the absolute lowest rates will save a homeowner a lot of money. Here is some help for homeowners who want the best mortgage refinancing rates available. See If You Qualify…….! Know The Current Average Mortgage Rates Newspapers, television programs, and the internet have daily reports on what the average interest rates are for a mortgage refinance . [more...]

Date: 2009-09-30 05:44:48

Blog posts (152) | Videos (63)

Best Mortgage Refinancing Rates

Date: 2009-09-30 05:34:57

Sign of Deepening Recession

As if the constant barrage of troubling macroeconomic news was not enough to tip you off, now something truly appalling has come to our attention. No, it isn’t the new unemployment statistics, credit spreads, the latest report on retail sales ... inexpensive beer. Up until this latest report, the conventional wisdom seemed to be holding true [more...]

Date: 2009-01-16 19:25:24

Tax or No Tax?

The good news: nearly 50% of American households (47%, to be precise) won’t pay any federal income tax in 2009. The bad news: the remaining 50% (or so) will have to foot the bill for everyone. You can thank (or blame) the new economic recovery package for bumping the percentage of taxpayers who won’t be paying a wee bit higher (about 10%). But don’t just start pointing fingers at the working poor. [more...]

Date: 2009-09-30 20:42:30

Nifty regains 5,000 mark

Data showing a surge in growth in the core sector boosted domestic bourses with the 50-unit S&P CNX Nifty settling above the psychological 5,000 level. The BSE 30-share Sensex rose 159.91 points or 0.96%, off close to 55 points from the day's high and up close to 50 points from the day's low. Index heavyweights Reliance Industries and ICICI Bank led the rally which was a part of a rally in most Asian stocks. IT, banking and healthcare stocks rose. But realty stocks reversed early gains. [more...]

Date: 2009-09-29 15:25:00

CPI at .1% Annually, Smallest Increase Since 1954

Even without properly accounting for housing which would drive the CPI hugely negative, the 2008 U.S. Consumer Price Gains Slow to 0 ... and energy, costs were unchanged. Today’s report underscores the destruction of companies’ pricing power ... debts harder to pay off. Federal Reserve Bank of San Francisco President Janet Yellen warned [more...]

Date: 2009-01-16 17:33:27

De-leveraging the Children of Wall Street

submitted by James Baker Welch, VP of Rothschild Investments One of the most stunning facts of the 2008 Financial Melt-down has been the wholesale ... regulatory agencies to determine if the institution has met the credit needs of its entire community. 1 The CRA began to compel banks to underwrite less credit-worthy mortgage loans in order [more...]

Date: 2009-01-15 15:40:18

Highlights and Lowlights of BofA’s Earnings Call

Bank of America moved its earnings announcement up to this morning to soothe investors after The Wall Street Journal’s report that BofA would need ... and $27 billion in credit costs. Many of the problems originated at Merrill Lynch, which had a loss ... Goldman Sachs research analysts noted wryly in a research report this morning. BofA CEO Ken Lewis [more...]

Date: 2009-01-16 16:01:30

Roman Polanski is Not a Victim

Enough already. The Global Committee to Defend Roman Polanski is shocked and appalled by the arrest of their talented friend in Switzerland over the weekend. This quote from our colleague Bruce Crumley's report from France provides a flavor of the outrage: "To see him thrown to the lions and put in prison because of ancient history [more...]

Date: 2009-09-28 21:33:59

Does Closing a Bank Account Hurt Your Credit Score

No. Your credit score is a number calculated from the information in your credit report. Your credit report will contain information about your loans, other credit obligations, and negative actions in public record (bankruptcy, collections, court judgments). It actually contains absolutely no banking information so closing, or opening in most cases, a bank account does not hurt or help your score. In some cases, your credit score might be hurt if you open a bank account. [more...]

Date: 2009-09-30 16:42:00

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

The End of Large-Bank Wholesale Lending - Time For the Mortgage Banker

The End of Large Bank Wholesale Lending - A Resurgence of Middle Market Mortgage Banking – Chase…a Leading Indicator This week Chase shut down ... t effectively manage its pipeline of locked and in-process loans. Of note, Credit Suisse recently shut down ... because NMN is subscription - sorry: “As the refinancing boom gathers steam selected residential [more...]

Date: 2009-01-16 18:23:12

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

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

The Garrett, Watts Report (September 30, 2009)

To Our Clients, Colleagues and Friends, What would be better, (a) having one $40 million warehouse line with Bank of America, or (b) having $25 million with the Bank of America and $10 million with Comerica or Flagstar? Even though (a) is for $40 million and (b) is for only $35 million, we’d probably recommend option (b). Having two lines is almost always better than having just one, even if the one line is somewhat bigger than the two combined. [more...]

Date: 2009-09-30 18:45:19

Get A Fresh Start After Filing For Bankruptcy

Get A Fresh Start After Filing For Bankruptcy Posted admin in Uncategorized Comments Off Because of a number of problems that can arise, ... . There is credit counseling available when people are overwhelmed with debt and sometimes they even ... to consult with a bankruptcy lawyer, or a credit counseling service at the very least. Many people try [more...]

Date: 2009-01-17 18:00:33

Mexico May Avoid Credit Rating Downgrade, JPMorgan Says

Mexico may stave off a credit- rating downgrade, JPMorgan Chase & Co. said. “From our conversations with the rating agencies, they appear to be giving Mexico the benefit of the doubt and will likely wait to see what components of the fiscal reform are approved by Congress,” JPMorgan analysts led by Joyce Chang wrote in a report to clients. [more...]

Date: 2009-09-29 16:44:07

Earthquake Could Exacerbate C.A. Financial Problems

Based on a new report focusing on insurance risks and natural disasters it appears that a large earthquake could exacerbate the already damaged ... 9,000 others and caused over $12 billion in insured losses. The quake cost the mortgage industry up to $400 million in mortgage defaults due to foreclosure earthquake expenses, property repair costs [more...]

Date: 2009-01-17 06:55:56

On Mayor Willie Herenton (The $91,000 Question)

UPDATE (1/17): The Flyer's Branston provided a snippet of a story to be published later that has more details about how Beale Street figures in the FBI probe of Herenton. The snippet, which appeared on the Flyer's site Friday night, mentions folks who are associated with singer Justin Timberlake and might have replaced Performa Entertainment as [more...]

Date: 2009-01-17 15:47:00

Dark Waves of Israelis attacking Gaza civilians: Why is Barack Obama silent?

Date: 2009-01-13 02:09:48

Animal Collective is a Band Created By/For/On the Internet

This is a post about Animal Collective I listen to the Animal Collectives on a weekly basis. I think I ‘like’ them because they are differentiated from ‘traditional music’ and ‘modern indie music.’ When I listen to them, I exist on a higher plane of musical appreciation and consume products for ‘all the right reasons [more...]

Date: 2009-01-14 01:11:55

Debt Validation And Collection Agencies

Under the FDCPA or the Fair Debt Collections Practices Act , you have the right to “debt validation”. This is a demand from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms of the loan and any other pertinent information is correct and accurate. A collection agency must also provide proof that they have the legal right to attempt to collect the debt. [more...]

Date: 2009-09-29 23:06:03

Gates of Vienna News Feed 1/6/2009

Tuan Jim sends an string of important news articles about the gas pipeline crisis caused by the deadlock between Russia and Ukraine. He notes that the affected countries are dusting off alternative sources of energy — fuel oil and nuclear reactors — for electricity generation.Thanks to AA, Abu Elvis, C [more...]

Date: 2009-01-07 04:50:00

More on Good Habits for Success in 2009

“Good Habits”. Lets delve a bit deeper: Constantly evaluate everything you are doing Develop the habit of constant awareness and evaluation. Always be thinking: is this the best use of my time? Is the best way I could be doing this? Do the most important task of the day first This ties in with your daily goals, [more...]

Date: 2009-01-06 15:55:09

U.S. Exports Continue Their Downward Trend

Last year, while the U.S. dollar was down, manufacturers were joyfully experiencing one of the the loan bright spots in the U.S ... report showed that U.S. exports were down again, for the fourth consecutive time. Is there any bright ... Spectator looks closer at the latest trade report in his blog post below. The trade boom is fading [more...]

Date: 2009-01-08 02:13:42

Centennial MasterCard Review

by Daniel Moskel The Centennial card is created for individuals with a low credit score. It is issued by the First Premier Bank a member of the FDIC ... on your first monthly bill. They will be charged towards your available credit limit. It comes with an initial credit limit of $250, and an APR of 9.9%. It can be issued as a MasterCard or Visa [more...]

Date: 2009-01-17 16:34:10

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

Bank of America Needs America’s Money

Ongoing chatter about the health of Steve Jobs aside, the focus, once again, is on the banking industry, ... and additional funds set aside for credit losses. But J.P. Morgan shares rose 49 cents to $26.40 a share, as this report was viewed as a bit better than anticipated. The same cannot be said for Bank of America [more...]

Date: 2009-01-15 15:20:40

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

Another Quasi-Nationalization, House Debuts Obama Stimulus, Russian Resource War Approaches, Prices Fall and More!

by Addison Wiggin &amp; Ian Mathias Congress unleashes remainder of TARP… another $350 billion into the void Treasury wastes no time… Bank of America quasi-nationalized Dan Denning on the real issue plaguing American financials Obama’s fiscal tenure off to terrific start… $825 billion stimulus bill, [more...]

Date: 2009-01-16 20:25:19

Government Intervention in Foreclosure

This is Part Four of a series of articles on foreclosures. This article does not constitute legal advice. Foreclosure laws vary from state to state. Homeowners in financial distress should always hire ... , 2008 report “Economic Analysis of a Mortgage Foreclosure Moratorium,” provides some analysis: “ [more...]

Date: 2009-01-07 07:00:13

How And Where To Obtain A Copy Of Your Credit File

There are three major companies reporting on the public’s credit activities in Australia: Dun & Bradstreet, Tasmanian Collection Service, and Veda Advantage. Each of these companies deals with aspects of public credit and keeps files of the public. They keep files for businesses and individuals alike that have been credit active [more...]

Date: 2009-01-17 02:48:26

The U.S. as a Banana Republic?

Plane Ditches in New York River, All Aboard are SafeReutersNEW YORK (Reuters) - A US Airways jet with 155 people on board ditched in the frigid Hudson River off Manhattan after apparently hitting a flock of geese on Thursday and officials said everyone was rescued."We've had a miracle on the Hudson," New York Gov [more...]

Date: 2009-01-16 15:10:00

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

Do you have bad credit?

I don't know how many times I have heard people talking about the reasons they were denied a loan but it seems that one of the common complaints was ... that they probably don't know why they have bad credit and that the report is most likely wrong. A lot of people do not even look at their own report and don't realize that there is probably errors [more...]

Date: 2009-01-07 04:45:00

Posts about Tri-State Real Estate (FL, GA and AL) as of January 16, 2009

Foreclosures And The Mortgage Meltdown Continues to Plague America - usreoproperties ... either being foreclosed upon or delinquent. The nation … package aiming to thaw the frozen credit ... 01/16/2009 Toyota is developing a miniature, environmentally friendly car that is powered entirely [more...]

Date: 2009-01-16 14:21:19

Orchard Bank Credit Card

by Daniel Moskel The Orchard Bank MasterCard is created for individuals with a damaged credit report. This card is issued by HSBC Bank ... they offer. These cards include three unsecured cards and one secured card. Your score depends upon ... line of credit. If you have made many mistakes then you will likely be issued the secured card [more...]

Date: 2009-01-17 14:32:58

Bank of America Needs America?s Money

Date: 2009-01-15 14:38:49

Credit Reports can be a Teaching Tool

by Rob Kosberg All of us have probably been informed that our credit report is a very important document ... on each report, locate any and all errors. It is up to each individual to monitor his/her own credit ... credit. We can obtain copies of our credit report for free, on an annual basis, from the three major [more...]

Date: 2009-01-17 15:18:02

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

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

Orchard Bank Card

by Daniel Moskel The Orchard Bank MasterCard is created for individuals with a damaged credit report. This card is issued by HSBC Bank. This card has a unique application process. When you apply they will match your credit score ... you will have monthly payments. Your APR will be between 8.9% and 14.9%. This is lower than most bad credit [more...]

Date: 2009-01-16 07:42:43

Debt Reduction and Debt Elimination Programs: What’s the Catch?

One of the most frequent issues that readers contact me about is more information about a debt reduction or debt elimination program that they heard ... out a lot of factors. For one, some of the programs wreak havoc on your credit report and credit score ... a final negative note on your credit report indicating that your debt was negotiated, which [more...]

Date: 2009-01-08 20:00:36

ChexSystems: Who They Are and How it Affects You

ChexSystems is a company that maintains a subscriber membership service used in the banking industry ... to the same laws as the Credit Bureaus that we are all familiar with: Experian, Equifax, and Trans Union ... . The members consist mainly of Banks, and Credit Unions, but can include other types of Financial [more...]

Date: 2009-01-17 09:00:05

Your Credit Rating And You

Date: 2009-01-17 22:41:15

Real Keynesians understand imbalanced trade

rdan Trade and Taxes has a post I recommend reading...this is lifted wholesale as a compliment to Howard's passion and thought on the issue of trade policy and our woes...we might differ on some of the details, but read carefully: Real Keynesians understand imbalanced trade by Howard Richman The United States is being run by pseudo-Keynesians [more...]

Date: 2009-01-17 13:57:10

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

Gates of Vienna News Feed 1/15/2009

Forget global warming. Hello, global cooling! If the experts are right, we’re in for a new Ice Age.But it’s still the fault of George W. Bush, of course.Thanks to C. Cantoni, Fausta, Insubria, JD, KGS, Tuan Jim, VH, and all the other tipsters who sent these in. Headlines and articles are below the fold [more...]

Date: 2009-01-16 04:37:00

South Asians Flee Dubai as Economy Slows

Dubai police have found at least 3,000 automobiles -- sedans, SUVs, ... -rating agencies recently have revised downward the outlook -- and in some cases, the credit rating ... from South Asia who have lost their jobs after Dubai's real estate crash, according to a DNA report. Dubai [more...]

Date: 2009-01-16 18:13:55

Best Auto Loan - Tips for Avoiding an Upside Down Loan

If you are new to the car buying process, the likelihood of acquiring a bad auto loan is high. For this matter, car buyers must familiarize themselves with how the financing process works ... than it’s worth. If possible, limit loan terms to 60 months or less. For a list of reputable auto [more...]

Date: 2009-01-17 06:47:20

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