Obtain A Second Chance Checking If You Have Financial Troubles

by Steven J. Talrechi If you’ve had financial problems that have made you ineligible for a checking account, don’t despair. You’re not alone ... or Visa credit cards do. If you opt for just the debit card, a voided check will be included in your set ... , as can a bad credit history. If you’ve been reported to one of these systems and you can no longer [more...]

Date: 2008-09-24 19:43:06

Blog posts (127) | Videos (36)
 

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

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

No Credit Mastercard

Establishments around the globe take both types of no credit Mastercard and although Visa appeared to have a greater number places it could be used, ... bad credit issues, they won’t care about which type of credit card they are granted ... regularly, they will begin to see an improvement in their credit history. With this type [more...]

Date: 2008-12-28 03:41:42

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

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

Mark My Words

The year 2008 is now a part of history, but I am sure we will be feeling the effects of its aftermath for years to come ... a job in credit card collections for a major banking institution. Even back then, many ... or another. It is too bad that so many of our politicians, the ones we trust to lead our country still [more...]

Date: 2009-01-07 19:16:06

Deciding Who Should Be In Charge

In the 2008 primaries, when all was said and done, you could say the Republicans simply settled for John McCain as their candidate, by default. Giuliani was a bust – beyond his 9/11 shtick there was nothing there, and he was from New York City, which would never play that well in the south, along with being in his third marriage after two messy divorces, and one of his former wives being a cousin. The evangelical right really didn’t want to have to deal with that. [more...]

Date: 2009-09-30 06:28:40

Ask the Readers: Are We Making a Comeback?

By Linsey Knerl The Huffington Post guest columnist Sen. Bernie Sanders isn't convinced. Newsweek is already calling for a new kind of recovery to celebrate the end of this historic disappointment. So what's the deal? Are we seriously seeing the end of this recession? Or is this just a calm before a very bad storm? News analysts, finance gurus, and even the guy at the grocery store all have their opinions on whether this is the tail end of a painful spot in our economic history. [more...]

Date: 2009-09-29 15:00:02

UK: Council hires hoodie spies to rummage through bins and see what is being thrown away

Hey, Toronto: guess what those RFID scannable and barcoded garbage bins you just got this year are for? Note the standardized appearance of the bin in the photo below. And garbage seizure? We’ve our own set of ridiculous rulings in place now authorizing the same: Flashback: Toronto: New bin regime spawns new rules, confusion for avid recyclers | Trash search doesn’t violate privacy rights, says top court | London Police Encourage Citizens To Inform on Neighbour’s Garbage | UK Slips New [more...]

Date: 2009-09-28 15:05:14

The 7 new rules of financial security

In a world turned upside down, you must re-examine some basic assumptions. A good place to start: understanding the true nature of risk.John Maynard Keynes, the Depression-era economist who’s having quite the comeback, once quipped when he was accused of inconsistency: “When the facts change, I change my mind. What do you do, sir?”Money has long advocated the benefits of consistency in your investing and financial planning. [more...]

Date: 2009-09-29 10:57:27

Fed decided to Institute Curbs On Issuers of Credit Cards

On Tuesday rules have been proposed by the Federal Reserve to end banks’ ability to apply credit card payments to balances having lowest interest rates first, implementing legislation Congress passed in May. The Fed also proposed that before charging fees for transactions that exceed credit limits creditors obtain consumers’ consent. The Fed said in a statement that restrictions on lending to people under the age of 21 and subprime credit card fees were also included. [more...]

Date: 2009-09-30 12:56:49

College Students And Credit Card Debt

According to an adviser at a major university, more students drop out of college due to average college student credit card debt than to academic failure. The best way to prevent this is to adopt a spending plan early in your first semester, and stick to it. One thing that you know when you’re a student, that you were most of the time. Unless you have really rich parents or have a trust fund with your name, you know, as a student you should not go much for it in the finance department. [more...]

Date: 2009-09-29 10:12:54

Guaranteed Loans For Bad Credit Are A Must For Your Cosmetic Surgery

by Riz Goodman Men and women equally are going for cosmetic surgery to change their looks and also to correct any abnormalities in their appearance. The motive behind all this is not very hard to fathom as in today’s world the main emphasis is always on the looks as opposed to the work and the ethics. A qualified board certified plastic surgeon is a must for the good cosmetic surgery to be done. That will happen only when you are ready to pay a big amount to the surgeon. [more...]

Date: 2009-09-29 19:30:27

How Can Lawsuit Funding May Help To Avoid A Bad Credit

Many lawsuit plaintiffs have financial troubles while they wait for a settlement problem that could make more low their credit level . Credit reports are piled up by firms named credit bureaus that get reports directly from lenders about their customers paying practices. Founded on a debtors history of paying bills and the amount of debt the man has , credit bureaus go with a credit score for each man . [more...]

Date: 2009-09-30 13:20:28

Restore Your FICO Score – Part Three

In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other ways that you can quickly see a big jump in your score. After you have the collections on your account either settled or verified, double check to make sure that they were removed from your credit report. [more...]

Date: 2009-09-29 23:17:33

Life After Bankruptcy Discharge

by Craig Schiffer There are a lot of issues which a person has to face after bankruptcy discharge. Apart from all the money related problems, there is a lot of mental stress which comes with bankruptcy. Therefore, it is very important that the person refers this phase as a bad phase in his financial life and get on with his life. He needs to try and forget about it and make a fresh start. It is difficult but certainly not impossible. [more...]

Date: 2009-09-29 17:10:51

The Reality of Prepaid Credit Cards

by Pedro Turriago Prepaid credit cards are great for those who find it difficult to control their spending habits. They have a limit imposed by the cardholder that is solely determined by how much money they load onto it. If the person does not have money to load onto the card, then they wont be able to use the card. In short, by the time a prepaid card is used, the bill is already paid. Its probably the best type of credit card available for people who want to stay out of debt. [more...]

Date: 2009-09-30 11:13:28

Are Bad Credit Debt Consolidation Loans Difficult To Obtain?

Amazon.de Widgets Bad credit Debt Consolidation Loans are they still available? This article looks at whether or not the consolidation loan for people with bad credit is still available.Don’t take my word for it, but bad credit consolidation loans are rare…very rare, but the situation is improving slowly.It never used to be the case, but the decline of the economy over the past two years, due to the global fall out from the sub prime mortgage fiasco, has meant that lenders are reluctant to lend [more...]

Date: 2009-09-28 11:56:59

Need Info About Credit Cards – Check Out this Post

Numerous people fail to get approved when applying for a credit card these days. It is often a very depressing experience, especially if it is not the first refusal letter you get and if you really need that credit card. The most common reaction to this is losing hope for getting a credit card once and for all. Not the best thing to do, is it? Let’s find out what you really can do to get out of this unpleasant situation. First thing you have to do is realise that it is never over. [more...]

Date: 2009-09-29 02:37:09

Need a Payday Loan? Important Tips are Here!

Do you looking for a same day payday loan? The financial help through a no fax payday loan will be a best option for you. Getting a loan on the same day of application is not that complicated because of the increase in payday loans available today. This will help you to manage your unexpected expenses without any delay. You don’t have to waste your time on faxing documents and proofs. If you are not getting approved by one lender, don’t be panic. You can try with other lenders. [more...]

Date: 2009-09-29 18:16:13

Need Info About Credit Cards – Read this Publication

When you are looking for a credit card offer you probably want something that will correspond to your needs, not something that is most advertised and popular. Different people have different lifestyles and spending habits, and they want different credit cards which will help in various life situations. If you like travelling or if you just travel a lot make sure you find a credit card offer that provides special bonuses which will considerably enhance your journeys. [more...]

Date: 2009-09-30 10:17:59

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

Mission and Recession

by Skye Jethani The financial talking heads are attributing the current economic crisis to a number of things: lack of regulatory oversight, ... rate and over $8000 in credit card debt. As Dave Ramsey says, we are not “acting our wage.” ... bad mortgage lending practices, and globalized market structures. But some of the more plainspoken [more...]

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

GMAC Auto Loans

11 of the best sites about GMAC auto loans. Know of another site that should be listed here? Leave your suggestion at the bottom of this page. (Related searches: Auto Loans ,  GMAC Smart Lease , GMAC Auto Insurance ) 1. GMAC Automotive Financing - Home page of GMAC financing for car loans, truck loans and leases, including information on their SmartBuy and SmartLease programs that allow you to get into a GM vehicle for a lower monthly payment. [more...]

Date: 2009-09-28 14:59:09

Credit Cards Dealing With Bankruptcy

by John Steed When a person or organization or institution files for bankruptcy, it is not always because they are unable to pay their creditors ... . The commonest of these are the institutions that offer credit card facilities. The advantage of going ... . As a requirement, the debtor is required to have an up-to-date copy of your credit history, good [more...]

Date: 2009-01-14 20:27:17

2008: Annus Horribilis, RIP

I meant to take yet another Friday away from my writing, but as I am researching for next week’s annual prediction issue, there is so much material that begs to be covered that I thought I would put out a short letter ... of invitees. And now to the letter. The Aftermath of Financial Crises What happens to an economy [more...]

Date: 2009-01-03 12:42:15

Retail gasoline prices drift to 58-month low

Retail gasoline prices tumbled Friday to the lowest level in nearly five years. And while crude futures rose, analysts believed it was a temporary pause in an extended, downward arc as the recession spreads. “We’re paying about a billion dollars per day less than we were in July” for gasoline, said Tom Kloza, [more...]

Date: 2008-12-27 04:46:03

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Bailouts are supposed to help us - (heh!) why not cut out the middlemen (and their slices)?

I look at all of the billions (now trillions) of dollars being spent by our government supposedly to save us economically ... ) - this has to be one of the biggest give aways in history. Politicians heeding the call for limited government and limited spending ... that the bankrupt keep borrowing even more to give to others that have proven to be bad financ [more...]

Date: 2008-12-03 01:31:34

Grab Life By the Disco Balls and Dance

This is my one and only life, and its a great and terrible and short and endless thing, and none of us come out of it alive. – Holly – P.S. I Love You The above movie is one of the most profound I have ever seen I think. It is one of those movies that teaches and inspires you as much as it entertains you. From the opening seen when Holly and Gerry are fighting I recognized that this Holly chick and I have a lot in common. [more...]

Date: 2009-09-29 16:52:47

The Secrets behind the FICO Score

by Ty Crandall Your credit score is the most important number in your life. How much you pay for car and health insurance, car payments, your rent and mortgage payments, house utilities, and even whether you get hired for a job or not, are ALL based on your credit profile and credit score. This article will help you understand each component of your total credit score. For more details on your credit score you can see this article and more at www.PerfectCreditFast.com. [more...]

Date: 2009-09-28 13:26:56

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

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

Suze Orman’s Free Book - Fixing Your Finances in 2009

Barack Obama’s speech warning of devastating unemployment levels and a lengthy recession was no surprise to most Americans ... . Debt consolidators are often a very bad deal. The National Foundation for Credit Counseling ... into the history behind the economic downturn, the book has 7 main sections: Credit Retirement Investing Saving [more...]

Date: 2009-01-09 13:29:00

No Fee Balance Transfer Offers Rise Again

Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates . According to financial website MoneyExpert.com , the number of credit card providers that are offering credit card holders the chance to transfer outstanding debt from another card without having to pay a fee to do so has risen by nearly 20pc to 69 during the past year. [more...]

Date: 2009-09-29 15:20:06

Pre-Paid Cell Phones

Image via Wikipedia An entire generation of young people has now grown up without any familiarity with black Bakelite ... a cell phone (of course you can’t!), Virgin mobile is not a bad way to go. Virgin sells an entry ... Bell Phones that weigh more than a stack of phone books and feature a rotary dial. A cell phone [more...]

Date: 2009-01-04 18:41:54

Things You Tend Not To Spend Much Time Thinking Seriously About When Making A Decision To Relocate

I have had this item on my blogging to-do list for probably 18 months now, without attempting to address it ... s start with credit history, something discussed in this blog a long time ago. Or, rather, your lack of such overseas, which will hamper your efforts to obtain auto financing or even apply for local credit [more...]

Date: 2009-01-15 20:29:06

2008 Food Quotes of the Year: Zing!

With Christmas on the horizon (seriously, it’s riding a horse and headed straight for us), we’re taking a short break from CHG’s usual seriousness (er … yeah), and instead presenting a retrospective of our favorite Thursday Quotes of the Week. Enjoy!FOOD QUOTES: FAIRLY PROFOUND“Only dull people are brilliant at breakfast [more...]

Date: 2008-12-24 16:45:00

Texas Faith: The gift of recession this season

The economic downturn brings with it a host of negatives, no doubt - and not just material, but psychological as well. As columnist David Brooks of the New York Times wrote recently, recessions reorder the social order and breed a certain pessimism. But in this holiday season, it is possible to ask another question: [more...]

Date: 2008-12-23 13:20:32

Late surge puts O.C. property tax payment up $141 million

Orange County’s Tax Collector reports that a late surge in payments has put the county $141 million ahead of last year’s property tax collections ... more days of heavy mail, too. Credit-card charges don’t clear until Monday. I’m very pleased ... all the economic turmoil? Chriss: Small business had it bad in 2006 and 2007. It was a stealth recession. [more...]

Date: 2008-12-13 06:54:44

Friday wrap

Dem Congress to pump raw sewage into nation's workplaces ... The AFL-CIO advanced an argument detailing why a "majority sign-up" is the best option for preserving "the freedom of working people." Below is a syllogism that encapsulates an argument found on the AFL-CIO website.1. The workplace environment has been poisoned by browbeating employers.2 [more...]

Date: 2009-01-16 11:30:00

Предсказания Кюнстлера на 2009 - США, Нефть, Геополитика, Путин

Спонсор месяца - #1 RX pharmacy affiliate program!Сайт дня (как попасть) - http://www.business-magazine.ru/There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) [more...]

Date: 2009-01-01 07:59:00

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

Build A Credit History Before Getting A Car Loan.

Build A Credit History Before Getting A Car Loan. by Don RayIf you are a first time buyer there are a few things that you want to remember in order to get approved for a car loan, even if you don’t have a credit history there are ways to get around it, many lenders will help you get a loan regardless of your bad credit history,it doesn’t matter if you have no credit or even bankruptcies there are companies willing to help you get approved.Apply for a Major Gas Or Credit CardMost finance [more...]

Date: 2009-09-28 21:47:32

No Credit Car Loans.

September 28, 2009 | By Don Ray In Finance | by Don RayA few things for first time car buyers to remember to get approved for a car loan, if you have a no credit history there are a few ways to get around it, despite your bad credit there are lenders willing to help you get a loan, no credit, repossessions, there are still lenders willing to approve you.Apply for a Major Gas Or Credit CardMost finance companies are reluctant to approve a loan application if you have no credit history, [more...]

Date: 2009-09-28 22:00:26

Forecast for 2009

Introduction       There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) is that our problems of finance and economy will self-correct and allow the project of a "consumer" economy to resume in "growth" mode [more...]

Date: 2008-12-29 03:33:57

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

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