Beware of Credit Repair Scams

2009 may go down as the year when more Americans resolve to fix their credit than at any time in history – because high scores are now a requisite ... errors from your credit report. But at a hefty price for something you can do yourself. Others ... and paid them before they showed you results, call the FTC at 877-FTC-HELP and report them [more...]

Date: 2009-01-13 04:55:48

Blog posts (20) | Videos (31)
 

Real Estate investing and bad credit reports

by Doc Schmyz In today’s world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit can reduce the opportunities of things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]

Date: 2008-12-31 15:40:09

I went ahead...

... and got my Equifax report and the tax software tonight.I will kick myself if a reader out there knows how to get the credit score for free! ... . Not bad. The credit score was $23.95. I may not get it every year now unless ... I just had time at the computer and I was curious.My score is 811 !Here are the last 6 years [more...]

Date: 2009-01-10 01:25:00

Catching Up

So.  I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]

Date: 2009-01-16 05:41:49

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

How to improve your Credit

Credit Score is the method used by financial institutes to measure your financial health at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers. In Canada, credit history is recorded in files maintained by at least one of Canada’s three major credit-reporting [more...]

Date: 2008-11-19 12:43:21

How Credit Repair Process Works

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... the claims by sending a letter to the credit bureau. Secondly, you should begin paying down your debts to repair credit history. This won’t make as great an impact as paying monthly bills on time [more...]

Date: 2008-12-11 08:40:45

Credit Repair In Four Easy Steps

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... by sending a letter to the credit bureau. Secondly, you should begin paying down your debts to repair credit history. This won’t make as great an impact as paying monthly bills on time [more...]

Date: 2008-11-27 12:15:18

TIMSS: U.S. moves up in math, but Asians still rule

The new TIMSS 2007 report is out. U.S. fourth and eighth graders improved in math but stayed the same in science, reports the New York Times ... as they become adults. . . . Second, test scores, at least average test scores, don’t seem ... no credit for the minimal math gains. [more...]

Date: 2008-12-10 10:57:32

Sanity Begins Creeping Into Mortgage Lending Market

The New York Times reports that New York's state mortgage financing program, SONYMA, ... of the credit markets.With credit drying up, many banks have begun demanding larger down payments and requiring higher credit scores for borrowers, said Shelia S. Martin, director of program operations [more...]

Date: 2008-10-02 21:30:00

Good News For Buyers Is Always Bad News For Sellers

The Desplains Times reports from Illinois. “Last month Dan decided to stop paying his mortgage. It was hard for him ... be able to afford anything.’” “To finance the purchase he obtained two mortgages, one for 80 percent ... keep dropping,’ he said. ‘They go down by about $5,000 every month.’” “Dan’s credit score [more...]

Date: 2008-06-12 14:48:03

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

Increasing A Credit Score Via Several Financial Guidelines

by Chris Channing One’s credit score is the single number that will determine whether or not a potential borrower can get the money they need for ... . The first thing to do before obtaining a loan is to check one’s credit report. A credit report will detail why the score is what it is. Many times there may be errors or mistakes that credit [more...]

Date: 2008-12-15 19:54:33

On Credit Cards and Free Credit Reports.

Finally I was able to pay online my credit card dues yesterday. It’s not that I’m short on funds (since my bill is just a few hundred bucks) ... credit reports. If there are corrections, they should notify the agency to remove credit report ... . I know that paying on time affects my credit score so I always try oblige to my hubby’s reminder. Sometimes [more...]

Date: 2009-01-15 06:40:58

Credit Nexus : Get 3-in-1 Free Credit Report

Posted on Wednesday, January 14, 2009 No Comments Labels: affects my credit score, improve credit score, ... one website that teach you how to remove credit report errors? One thing is sure, first time I realize ... remove credit report errorsCredit Card - is a part of a system of payments named after the small [more...]

Date: 2009-01-13 20:04:00

Regularly Checking your Credit Score is Vital

In these financial times which are clearly tumultuous and tight, ... and credit score on a regular basis. This statement is more true today than ever before, because ... on your credit score and report. What most people are completely unaware of is the fact that no one is going [more...]

Date: 2009-01-06 13:15:59

12 Common Credit Report Myths

12 Common Credit Report Myths In these troubled economic times, when discussing Newport Beach Real Estate with customers, ... . Bad news comes off in seven years. 12. I can always pay someone to fix or repair my credit ... the topic turns to loans, which of course, turns into a conversation about credit scores. Banks [more...]

Date: 2008-10-26 00:29:45

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

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

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

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