D. Other Publishers
A number of publications from non-Nolo publishers have a wealth of information beyond what is in this book. The Ultimate Credit Handbook, by Gerri Detweiler (Plume Books), covers everything you’d want to know about credit ratings, credit cards, completing credit applications, protecting your credit privacy and many other topics. Surviving Debt: A Guide for Consumers, by National Consumer Law Center. NCLC is a nonprofit organization that normally publishes books to assist lawyers. [more...]
Date: 2009-09-24 02:03:01
Blog posts
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Videos
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Fixing Credit Rating Agencies
And now for something completely different... I read yet another story on how the credit rating agencies (Standard and Poors, Moodys, Fitch, et al.) failed at their task of rating credit instruments (bonds, derivatives, etc.) to reflect the risk of those instruments. The credit rating business works like this: Companies that want to issue [more...]
Date: 2008-11-18 11:29:00
Debunking Conventional Wisdom about SEO
Search engine optimization seems to be rampant with myths compared to other types of marketing, ... every good keyphrase into URL, like credit-card-raise-credit-rating-get-rich-quick-place is not going to instantly mean that anyone who types “raise credit rating” or “credit card” into Google [more...]
Date: 2009-01-08 01:36:46
Ford expects to avoid loans, surprise critics
Ford President and Chief Executive Officer Alan Mulally believes that critics and analysts are too pessimistic with predictions that Ford will ... that we don’t know where the bottom is yet.” Credit rating falls Indeed, Moody’s Ratings Service on Monday reduced Ford’s credit rating to Caa3 from Caa1 and predicted that 2009 industry sales will [more...]
Date: 2008-12-26 10:10:37
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
Posts about Foreclosures as of July 12, 2009
The Benefits to Restoring Your Credit Rating Can Last A Lifetime – bestonlinecarfinance.com 07/12/2009 by Darrell Price If you have ever gone through a bankruptcy, suffered a devastating foreclosure or applied for a loan and have been turned down, you know the importance of having clean credit. If you are looking to repair your credit and increase your rating, the process can be a little overwhelming at first. This article will hopefully give you a starting point. [more...]
Date: 2009-07-12 12:03:55
Low Interest Auto Loans - How to Get the Best Car Loan Deal
Tip! Try to find an auto loan with an affordable monthly repayment that you can pay back in as short a timescale as possible ... a top priority. Each year, millions of car buyers obtain bad auto loans. These include upside down ... Your Credit Rating before Applying for New Auto Loan Your credit rating will determine the type of auto [more...]
Date: 2009-01-01 05:47:12
Top Ten Ways to Avoid Bad Credit
Your credit rating is one of the essential numbers in your personal financial history ... , combined with missed payments are one of the quickest roads to a bad credit rating and should ... loans. One large balance looks a lot worse on the credit report than multiple small balances. High [more...]
Date: 2008-12-24 08:00:05
How to Safely Restore Your Credit Rating
If you have been trying to repair your credit and have had problem credit in the past such as late credit card payments, ... credit cards that were turned over to a collection agency or even a home foreclosure, these effects may have lead to a derogatory rating on your credit report. Keeping multiple high balances ... [more...]
Date: 2009-01-03 03:30:08
Credit Repair For Yourself
by Mary Bush Having a bad credit rating can be a serious problem affecting people’s lives in all kinds of ways ... of websites claiming that it’s easy to repair your credit. Some of these claims are at best dubious ... to repair an impaired credit rating, at least while staying within the law. That doesn’t mean, however [more...]
Date: 2008-12-28 18:23:45
Credit Score Rating Scale
by William Blake The credit score rating scale is a confusing numeric system to understand ... will look into. If you have too many credit applications made, this will look bad on your report ... . There are places that will offer free credit counseling [more...]
Date: 2009-01-15 09:14:59
Credit Card Companies Cutting Credit, Rewards; Upping Interest Rates.
Wall Street gets a bailout, regular old Americans see their available credit decrease, their interest rate go up, ... a bad thing in the long run; but right now with people getting laid off, grocery prices skyrocketing, and small businesses trying to make ends meet, is it a good or a bad thing to cut off credit [more...]
Date: 2008-10-29 16:00:06
S&P: GE credit rating at risk
According to an article on WSJ.com, S&P “took the first step” toward “potentially” lowering GE’s credit rating from AAA. Credit analyst Robert Schulz warned earnings and cash flow at GE Capital could decline enough over [more...]
Date: 2008-12-18 21:27:30
?There Can Be a Mortgage after Foreclosure
Having a home foreclosed on an individual or couple can be devastating to them personally as well as financially. This blotch on their credit rating stays for quite a few years. They probably think their chances ... rebuilding your credit rating. This needs to be your first priority. Although you’ll probably want [more...]
Date: 2009-01-16 05:17:01
SEC Takes Chapter From Pontius Pilate on Rating Agency Regulation
When Pilate saw that he could prevail nothing, but that rather a tumult was made, he took water, and washed his hands before the multitude, saying, ... has similarly decided to avoid the thorny question of the rating agencies' culpability in the credit ... , skill, and resources to perform credit analysis. The real problem with ratings agencies [more...]
Date: 2008-06-24 09:36:07
Debt Managment and Debt Consolidation Loans For Bad Credit
Amazon.de Widgets What is debt consolidation but a way to financial freedom with positive actions to bring about resolutions of high interest rates, late fees, over the credit line fees, etc. and see ones balances decrease instead of increase with positive impact on the credit rating. The question is frequently asked by consumers who find that answers to accumulating debt are on the wire and something has to be done. [more...]
Date: 2009-09-22 05:45:34
Veracity US
Ratings For This Site Rating: ★★★★½ About This Site Improve Your Credit Score With a higher score you can reduce monthly debt payments, qualify for low interest rate loans and credit cards, and get into the home or car of your dreams Veracity offers specifically tailored credit repair and consultative strategies designed to quickly [more...]
Date: 2009-01-06 07:22:22
Buying Lake Real Estate
Buying a home is one of the most important decisions for everybody, especially if you can afford to have your property in a beautiful, ... You must check your credit rating. If there is any confusion, then solve that issue immediately. Because, the amount of your loan will depend on your credit rating. • Next you should calculate [more...]
Date: 2009-01-17 15:28:45
Credit Repair During a Credit Crisis
by Mary Bush These days, people are finding that their once solid credit rating has fallen faster than the stock market, ... brings us to our second point of credit repair. Second, pay your bills on time with as much ... and they are in danger of spending the next few years dealing with high interest rates and credit [more...]
Date: 2008-12-25 13:36:22
Credit Repair During a Credit Crisis
by Mary Bush These days, people are finding that their once solid credit rating has fallen faster than the stock market, ... brings us to our second point of credit repair. Second, pay your bills on time with as much ... and they are in danger of spending the next few years dealing with high interest rates and credit [more...]
Date: 2008-12-27 16:16:18
UAE banks assigned negative outlook
Financial Times: Moody’s Investors Service, the credit rating agency, has placed the United Arab Emirates banking sector on a negative outlook, ... . However, the credit rating agency added that UAE banks generally enjoy strong economic fundamentals, were ... . ... Tightening credit conditions, liquidity constraints, a collapse of regional equity markets [more...]
Date: 2009-01-15 16:23:15
Fed to rule soon on sweeping credit card changes
Sunday December 14, 3:11 am ET By Carson Walker, Associated Press Writer Fed might end surprise credit card rate hikes but restrict credit to high ... of people with bad credit to get what's referred to as a subprime card. The rules were proposed ... risk borrowers SIOUX FALLS, S.D. (AP) -- Credit card companies could no longer boost interest [more...]
Date: 2008-12-14 20:23:19
2018 - A Vision of the Future
One rainy day earlier this summer, nGenera’s Gov 2.0 Program Director, Dan Herman, locked three summer interns in a room (Ben and Jude, and I) ... now mandatory for any agency that received government funds. They gave citizens access ... account from UniBank. It had low credit rates and high savings rates. Donald thought it sounded good [more...]
Date: 2008-08-14 14:35:13
Ten Credit Mistakes People Make
Most children are not trained in how to handle credit by their families other than with vague platitudes like ‘pay your bills on time’ and ‘live below your means.’ Practical knowledge about interest rates, revolving credit and credit scores ... discover these mistakes by making them. So here is a list of the top ten credit mistakes most often [more...]
Date: 2008-12-24 13:39:30
Toyota's Credit Rating Lowered
Well, not as bad as it sounds. Fitch lowers Toyota's credit rating due to the market slump ... auto markets and the appreciation of the yen, which erodes the overseas earnings of Japanese exporters ... of materials and a decrease in the ability to obtain commercial financing are two more. There is a plus side [more...]
Date: 2008-11-28 17:02:43
A Good Time to Have Great Credit
January 2009 marks the lowest home mortgage rates since Freddie Mac began tracking the data in April of 1971 ... rates present a great opportunity for borrowers with solid credit and plenty of equity in their homes ... have destroyed their credit ratings. Thus, unless one of the talked-about plans to bail [more...]
Date: 2009-01-04 20:04:13
I, Ireland
What happens when a triple-A rated sovereign government's credit rating is cut? Quite a lot of unpleasant things really. Sovereign rating transitions - at the top end of the scale - are always extremely messy affairs. Losing a triple-A rating matters much more than losing a double-A rating for any institution.... [more...]
Date: 2009-01-14 10:00:37
How To Reduce Your Credit Card’s Rate of Interest
by Jenni Snook Nowadays, most of us possess at least 1 credit card ... that you get yourself a credit card from a large provider such as Mastercard and Visa. Their interest rates will vary ... of this is on credit cards. Owning a credit card has become much easier than in previous years [more...]
Date: 2008-12-17 11:00:10
Use the Plastic to Repair Your Credit Rating
People are always looking for the shortest path to solve their personal finance problems ... and knowledge play important roles. Repair your credit rating, get out of debt Poor or below average ... yourself from getting scammed As secured credit cards application are having lower qualifying [more...]
Date: 2008-09-24 09:31:39
Maintaining Excellent Credit Rating
Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]
Date: 2009-01-15 03:41:35
When You Are Eligible For A Free Credit Report
By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1 ... to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores ... to obtain the best rates. Bad credit costs thousands of dollars! About The Author Virginia Broobin [more...]
Date: 2008-12-27 07:59:27
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
What To Do If You Are Refused A Personal Loan
It has become increasingly difficult for individuals to be accepted for personal loans or other form of credit, as banks, ... file from one of the three major credit rating agencies (details of which can be found ... and repair their credit record, giving them a better chance of success in three months time, when they re [more...]
Date: 2009-01-05 16:55:20
NZD weak ahead of 29-Jan RBNZ easing
Risk returned to the forefront last week in many guises, with NZ to the forefront. Generally weak activity/profit figures (globally) and potential credit-rating downgrades (NZ, Portugal, Spain and a downgrade delivered for Greece ... warning for the Government’s offshore credit rating. The net effect was a quick narrowing of the gap [more...]
Date: 2009-01-18 02:45:23
Easy Payday Loan
There are many benefits Payday Loans compare to obtain various forms of cash, such as credit cards ... rates on credit cards encourage many more people outside, and this is where payday loans come in this type of credit, far easier to find even if you have bad credit. Usually, they do not require any [more...]
Date: 2009-01-01 19:22:48
Winners and Losers from Current Economic Situation.
In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]
Date: 2009-01-13 06:40:00
Home Buying 101 - Step Two: Know Thy Credit
This is the second in my Home Buying 101 Series, now updated for 2009 ... rates. Your credit report will also affect the rates you pay for auto and home insurance ... for credit cards, loans, medical bills, leases, anything reported to a collection agency, liens [more...]
Date: 2008-12-30 21:06:36
What Is A Poor Credit Mastercard?
These days in spite of a poor credit rating it is still feasible for a person to obtain a credit card from the mass that presently exist in this competitive market. The question you really need to ask is, what ensures a bad credit Mastercard ... little difference. To an individual experiencing bad credit matters, it is doubtful they will care [more...]
Date: 2008-12-29 06:57:07
Supportive Finance in the Form of Cheap Bank Loans
by katie George Almost every human being is played by a specific syndrome - The need syndrome ... approval of a loan. Though you may have a very good credit rating or in adverse terms your credit ... and automotive financing do not require collateral as the purchased item serves to guarantee the loan [more...]
Date: 2009-01-04 22:20:17
Fed Watch: Rate Cuts Increasingly Likely
Tim Duy says "the Federal Reserve is inching closer to lower interest rates": Rate Cuts Increasingly Likely, by Tim Duy: ... meltdown that began last year, credit channels have become increasingly impaired despite aggressive rate cuts. The credit explosion of this decade has proven unsustainable; you cannot borrow your way [more...]
Date: 2008-10-02 07:42:00
The Strategic Advantages Of Maximizing Natural Business Growth
By Donald Mitchell Growth can occur naturally . . . or it can be forced by using bad methods ... on unsustainable gimmicks to grow their businesses (such as zero percent interest car loans, 125 percent of assessed value home loans with teaser rates, and tripling interest rates on credit cards for those [more...]
Date: 2009-01-14 05:02:38
5 Tips on Choosing a Mortgage
5 Tips on Choosing a Mortgage by Amy Nutt The most important investment you will ever make is buying a home ... . There are certain deals that can be offered regardless of credit rating in many cases. - If mortgage ... will have different criteria that determine your rate. They do base it off of your credit situation [more...]
Date: 2009-01-18 08:41:08
Take the 4.75% Bailout Mortgage And Run...Or Else
San Diego mortgage brokers are always asked what "the rate" is ... , documented income, and excellent credit. Even today, "the rate" is stratified into three loan size ... about the "best rate"? (meaning an ARM product) 2- with opacity; that depends on the credit, equity [more...]
Date: 2008-12-29 16:22:32
45% Less Credit in Americans’ Wallets
Meredith Whitney, an analyst with Oppenheimer & Co. is predicting that credit card issuers may cut as much as $2 trillion worth of available credit ... of accounts, cutting credit lines and raising interest rates are just some of the moves credit card [more...]
Date: 2008-12-02 13:03:38
Potential collapse of Big Three Automakers caps turbulent year
The potential collapse of the Detroit Three carmakers capped a turbulent year in the global automotive industry in which worldwide sales crashed ... at this point,” auto analyst Gregg Lemos Stein of Standard & Poor’s credit rating service told AFP ... of a global credit crisis, rapidly falling demand for vehicles and a global economic slump. “Friday’ [more...]
Date: 2008-12-28 22:04:09
How to Recover From A Bad Credit Rating As A Result of Hard Financial Times
by Darrell PriceRepairing your credit after you have suffered through a crisis such as a bankruptcy, foreclosure or a series of unfortunate financial events is a must if you are going to move on with your life. There is a lot to know about repairing your credit and raising your scores. Don’t worry; it is not difficult with the tips provided in this article.If you want to repair your credit yourself as opposed to letting a company do it for you, then you need to understand the basics of credit repair. [more...]
Date: 2009-07-05 13:35:08
It's The Economy, Stupid!
It’s The Economy Stupid! Around the blogs we read the following: Everybody Loves Your Money asks the chilling question, Is this The End of America? ... on outside of their house, but not bad advice. Gail Vaz-Oxlade talks about how Credit Limits Going Down, not just credit rates, but limits too! Read on, as the sage of savings straightens you out. [more...]
Date: 2008-10-09 07:14:16
Four Quick Ways to Build A Strong Credit Rating
#fullpost{display:inline;}Nov 18, 2008: Much has been written about credit rating and how we can go about improving it. There are companies offering professional services to help us earn better credit scores [more...]
Date: 2008-11-18 05:21:00
Membership Has Fewer Rewards
For credit card-carrying Americans, the latest news from the economic crisis is good, then bad, then good again ... they had to, since credit card companies raised their interest rates even as personal income and credit limits dropped. Visa, MasterCard, et al., also are responding to the worsening economy [more...]
Date: 2009-01-14 19:00:18
Start Improving Your Credit Score Today
If you want to borrow money from a lender, you’ll quickly learn how important your credit score is ... your loan based on what they find. A bad credit score can also mean you’ll only be offered loans with interest rates significantly higher than standard rates. Basically, a credit score is a number [more...]
Date: 2009-01-16 00:46:34
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