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

Blog posts (317) | Videos (22)
 

Easy Car Loans In Difficult Times.

by John Brennan Before the economy burst into crisis recently, you were able to get a credit to buy a car virtually from any company ... that had a very bad credit history. Today with the credit market in a huge crunch, even gigantic ... rates. Even if you have a bad credit history, the dealers are in a very tight spot right [more...]

Date: 2009-01-03 08:43:51

Low Rate Loan For Poor Credit People

by katie George Sometimes bad credit history like unpaid debt, default, arrears, bankruptcy, ... , without checking their credit history. A secured loan requires your property such as home, car, bond or any other acceptable form as security against the loan. So bad credit borrowers who needs [more...]

Date: 2009-01-02 11:36:14

No Credit Mastercard

This aside, for people with a poor credit history, both of these cards will seem remarkably similar and they probably won’t care a great deal which ... ), they will probably begin to see their credit history repair itself in a relatively short amount ... will be more than normal. Although by using the no credit mastercard properly and to guarantee the [more...]

Date: 2009-01-18 03:41:01

Some Truth About Credit

Credit is currently and has been historically an integral component of our economy. Credit contribute a person’s net worth, and financial power ... to repair my history and develop credit status that has allowed us to finance vehicles, mortgage and refinance homes, and acquire construction financing. So I know you can repair your credit history [more...]

Date: 2009-01-02 07:07:18

Your Credit Repair Solution

.fullpost{display:inline;}As a businessman, the credit is a matter that is not a secret anymore ... bureaus or Credit Repair company, I suggest to visit DSI Solutions. They are not only fast to handle ... you have a bad credit history?.Negative credit comes from a bad credit report and the creditors reject [more...]

Date: 2008-10-17 12:51:00

The Global Credit Crisis as History

Barry Eichengreen, an economic historian at the University of California at Berkeley whose scholarly work showed how the international affection for ... it? Among his answers, in an essay “The Global Credit Crisis as History” on his Web site to be published in the January issue of Current History: The crisis was slower to show up in other countries [more...]

Date: 2008-12-29 12:00:00

The Global Credit Crisis as History

Barry Eichengreen, an economic historian at the University of California at Berkeley whose scholarly work showed how the international affection for ... it? Among his answers, in an essay “The Global Credit Crisis as History” on his Web site to be published in the January issue of Current History: The crisis was slower to show up in other countries [more...]

Date: 2008-12-29 11:59:00

New Year’s Financial Resolutions

Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... an emergency fund will give you peace of mind.3. Pay more than the minimum on your credit ... report and affect your credit history.4. Contribute the maximum to a retirement savings plan [more...]

Date: 2009-01-09 05:34:00

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

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. Lenders give students just enough rope to hang themselves – and during those crucial four or so [more...]

Date: 2009-09-23 08:59:15

How To Choosethe Best Mortgage Companny

Finding the perfect mortgage broker may not be easy, but it is very important. This article discloses tips on how to select a mortgage broker ... banks, online banks, credit unions, savings and loan associations and specialty bokers. These types ... your personal credit history and credit score, the amount of the down payment, and much more. It is hard [more...]

Date: 2008-12-04 05:21:14

What Determines Your Home Mortgage Loan Qualifications

When underwriters consider your home loan application and credit history, they generally look for 6 basic factors ... in this requested home loan with previous loans (from credit cards, school, car, etc.), they’ll establish a debt ... is pulling the potential borrower’s credit record. This history shows not only the bad things [more...]

Date: 2008-12-30 15:28:20

An Easy Background Check You Can Use To Find Out Anyone’s Past

by Glen Pearson If you have ever wondered about someone’s past, you may have considered running a background check on them ... such as a criminal background record, credit report, address history, marriage history along with other ... up and to make sure everything is accurate. If any errors are found, you will have the appropriate contact [more...]

Date: 2008-12-06 11:06:50

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

No Credit Check Payday Loans

For borrowers with a bad credit history, 'no credit check loans' may be the only realistic loan option available when looking to borrow money, as they are relatively easy to have approved. Having bad... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-27 16:59:26

Doing a Background Check is Easier Than You Might Expect

by Glen Pearson Do you have question about someone’s past? ... can be very detailed. It may include credit history, any criminal history, previous addresses and more. Expect to pay a reasonable fee when running a background check on an individual. The companies [more...]

Date: 2009-01-07 22:20:20

The choice: getting out of the credit mess, or sink into a depression

One of the most alarming things about all the bailout talk is that the Community Reinvestment Act is still in the books . Why should this matter? ... or employment history and little or no savings or credit history. The intellectual start of this mess ... Because it’s at the heart of the current credit crisis. Harvey Golub writes in today’s Wall Stret [more...]

Date: 2008-12-09 14:27:33

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

How To Find Out Anyone’s Past With a Criminal Background Check

by Glen Pearson Have you ever needed to check up on someone to see what was in their past? ... if the information which comes up is correct. If you find errors in this report, you will also be given ... record, credit report, address history, marriage history along with other information. It’s easy [more...]

Date: 2008-12-09 16:15:09

Latest News in Credit History and Jobs - Sep 19, 2008

Obama, McCain shift election talk to economy - San Francisco Gate 19 Sep 2008 at 1:44am Friday, September 19, ... . Despite a stock market rally … News - Business Tech - CNET News 19 Sep 2008 at 7:35am The credit ... 2008 Policy papers written months ago became ancient history as credit markets froze and central [more...]

Date: 2008-09-19 15:36:41

What's going on with GMAC's car loan standards?

Filed under: TransportationFlush with capital from taxpayers, GMAC is lowering its underwriting standards ... state of so many Americans' finances, I find this unconscionable. If your credit history is worse ... . The credit crunch and a shortage of cash had pushed the company's minimum FICO score for car [more...]

Date: 2009-01-02 23:00:00

Hospitals Tap Credit Bureaus to Gauge Patients? Ability to Pay

There’s new momentum behind hospitals’ efforts to predict how likely patients are to pay their medical bills. Experian, one of the three major credit bureaus, has agreed to acquire SearchAmerica, a small ... uses data collected by credit bureaus — from payment histories to credit limits — to gauge patients’ [more...]

Date: 2008-12-10 15:09:26

Debt Negotiation Programs

Get Yourself Out of Debt You should be cautious of claims from so-called credit repair clinics ... , your ability to get credit. That’s why many states have laws regulating debt negotiation companies ... . Many companies appeal to consumers with poor credit histories, promising to clean up credit [more...]

Date: 2009-01-11 12:34:30

Delete Charge Off

by Justin Hutto When there is a charge off on your credit history it will dramatically lower your credit score ... : To learn more about removing a charge off visit us, or to recieve a free credit repair letter to start ... . This will make getting new credit very hard. If approval does occur it will be contingent upon [more...]

Date: 2008-07-06 07:44:18

Latest News in Credit History and Jobs - Jan 2, 2009

History shows contributions of Big Three to our nation - Macomb Daily 2 Jan 2009 at 3:58am Henry Ford said that history “is more or less bunk ... such as Washington Mutual Inc. and Wachovia … Mortgage, credit crises cost banks - Akron Beacon Journal 1 Jan ... Credit freeze has iced banks’ capital - Everett Herald 2 Jan 2009 at 12:52am NEW YORK [more...]

Date: 2009-01-02 12:06:53

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

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

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

3 Months Payday Loans: Prevention for the unexpected emergencies

Are you sick of the financial complications? Do you have not any organ of begetting hard cash? ... . Moreover, you don’t need to exhibit your credit record to the lender; hence it is time to the bad credit holders to ameliorate their bad credit history. Now you can say that these types of loans are hassle [more...]

Date: 2009-01-14 23:41:26

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

Unsecured Personal Loans Don’t Need Collateral

by Dave Davis Putting up the collateral for a loan is often a very scary experience ... that have a solid credit history. For people that have bad credit, there is another type of unsecured loan called a payday loan. As long as the borrower is employed and has a checking account, they can usually [more...]

Date: 2008-10-15 18:59:28

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

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

Making Home Improvements

A home improvement loan is what many people use when making costly repairs to their home. Sometimes these repairs are necessary ... s credit history. The second is a person’s loan repayment history. The mortgage company will be asked ... . New plumbing, water heater, or flooring that are usually in need of repair, especially in older [more...]

Date: 2009-01-17 09:06:57

Things You Ought To Know Before Applying For A Credit Card

I love credit cards and I couldn’t imagine my life without one ... for a credit card so that I could begin building my credit history. When I asked why I needed ... how evil credit cards are. Personally, I believe that anyone who holds an aversion towards credit [more...]

Date: 2008-07-04 21:04:55

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

Avoiding Common Business Loan Mistakes

Lee Kendrick asked: Surveys show that 94.7% of small business owners feel their only lending resources are local banks or personal credit ... of your personal credit history… and avoid pledging your personal property as collateral. First [more...]

Date: 2008-12-26 10:08:57

Oil Is Close To A Bottom… Time To Start Buying

Swings in commodity prices are often exaggerated in both directions, says Eric Roseman ... of the greatest expansion of credit in modern history. As liquidity eventually finds its way back into credit markets and lending commences once again, commodities, including oil, should find a bottom [more...]

Date: 2008-12-23 14:10:56

Beware Long-Term Cardholders With Perfect Payment Histories, Your Credit Lines May Be Slashed [Credit Cards]

Oliver paid off his Citibank platinum card on time, in full, every single month since 1989, ... up on his credit report. Oliver writes: I’ve been a Citibank Platinum cardholder since 1989 – that’s longer ... gleefully informs me that: “Sir, due to some recent negative information on your credit report we’ve [more...]

Date: 2008-07-20 19:00:00

EzineArticles Alert: Finance-Loans

New Ezine Articles Posted In The Last 24 Hours: http://EzineArticles.com/?cat=Finance:Loans Loans With No Credit History - Poor, Bad, Or No Credit - No More an Issue ... =1882313 Same Day Cash Loans - Quick Money to Meet Your Needs By: Alfie Harry http://EzineArticles.com/?id [more...]

Date: 2009-01-16 16:32:00

Is It Better To Have A Mastercard?

by Will Smith In these current times despite a poor credit history it is still feasible for someone to get a credit card from the mass that ... to respect if you are seeking a bad credit, charge card. Of course, the Internet is the fastest ... currently flood the market. The primary two credit card suppliers normally best to approach first [more...]

Date: 2009-01-16 18:28:18

The Benefits Of An Unsecured Debt Consolidation Loan

Amazon.de Widgets Unsecured Debt Consolidation Loans will combine all your existing debt into one much more manageable, lower interest loan, without putting your home, or any other collateral at risk.An unsecured debt consolidation loan is not as easy as it once was to be approved for. You will have to have a very secure job and have an excellent credit history with very little or no black marks against it, which is extremely difficult in these times of economic turmoil.But the signs are improving [more...]

Date: 2009-09-28 11:53:40

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

Get A Start To End Your Debt With Debt Consolidation Loan

Irritated of those hundred of bills turning around you at the end of each month? Do you find scarcity of time and money in paying your monthly bills? ... with bad credit history need not worry. They also have another opportunity to improve their credit ... in one easy installment. It also facilitates cheaper debt settlement options to the borrower. That [more...]

Date: 2009-01-16 06:58:24

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

Credit Card Companies Are Closing Unused Accounts

Several GRS readers have written lately with the same credit card problem — but not the one you’d expect ... on to the accounts since they help my credit history. I just got some bad news about my oldest credit ... . And for my past loyalty they’re willing to potentially make me take a major hit on my credit score [more...]

Date: 2009-01-06 19:00:00

No Fax Payday Loans?

by Jacob Williams Often there is a circumstance in which you will run into an unforeseen expense ... do a credit check. This means even if you have a bad credit history or have declared yourself bankrupt ... for such expenses you might not have the money to pay for it. These are the times when a payday loan [more...]

Date: 2009-01-17 11:45:19

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

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