G. Avoid Credit Repair Clinics
You’ve probably seen ads for companies that claim they can fix your credit, qualify you for a loan or get you a credit card. Their pitches are tempting, especially if your credit is bad and you desperately want to buy a new car or house. Avoid these outfits. Many of their practices are fraudulent, deceptive and even illegal. Some have been caught stealing the credit files or Social Security numbers of people who are under 18, have died or live in out-of-the-way places like Guam or the U.S. [more...]
Date: 2009-07-23 09:02:39
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Bad Credit Doesn’t Mean No Credit
by Chris A Smith Just because you need help with your credit report does not mean you are automatically excluded from getting a new line of credit. Each lending institution, be it a credit card company or a bank, has it’s on rules regarding the granting of credit and often times these can vary greatly from institution to institution. Usually, the company offering the best rates and terms is more conservative than others and will consider the entire credit history of an applicant. [more...]
Date: 2009-06-08 12:30:05
Happy New Year Facebook - your employees think you’re lying about advertising. And they may have a point
A gremlin inside Facebook - or more likely a disgruntled employee - briefly hacked Facebook in the last few hours ... get you a 2:1″ and Bad credit? Get a credit card with 39.9% APR!’. Classy.” The thing is, social ... and business, then why do I get shown ads for Credit Rating Reports, as I did today? On thing’ [more...]
Date: 2009-01-05 11:59:10
What Gives? Is the Economy really that Bad?
Just making a quick observance and summary of my interactions with friends, ... ? I feel it is the latter. You may ask how could the people be responsible? Simple, short answer… BAD CREDIT! 2nd mortgages, more credit cards, etc… all just to make their world seem better because [more...]
Date: 2009-01-16 23:05:16
Credit Card Lenders Clamp Down Hard
Consumers are in a newly austere mood, and those who have lived beyond or at the edge of their means may be forced to retrench whether they want to ... wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... , some can come back to haunt consumers. The result can be a lower credit score, which forces a borrower [more...]
Date: 2008-10-29 03:50:36
How to Repair Bad Credit – Find Out Just How Easy This Can Be
Lower credit scores are the result of minimum payments, late payments, too many cards and not enough income, and bad financial planning. Most people who have a credit card can not afford the lifestyle they live, and end up using most of their monthly income on credit cards…Last 5 posts by LendingTree Says Google's Getting Into Mortgage Quotes - September 11th, 2009U.S. [more...]
Date: 2009-09-12 06:00:56
Why Cash Offers More Flexibility Than Gift Cards
Photo courtesy of krisandapril We have recently attended a number of weddings, ... with the swipe of a credit or debit card. Gift cards may get lost. I am notoriously bad at keeping ... in your birthday card and get three pennies back it registers. When you swipe the same amount [more...]
Date: 2008-09-30 18:00:53
This Week in Credit: Fees and Scores
adele_D_20090115144535.jpg Getty Images Credit card pop art The bad news: ... . Some good news: Free credit scores might be offered more widely. Keepers of the FICO score Fair ... and have not finalized our suite of products and features at this time. Credit-score watchers, keep us posted [more...]
Date: 2009-01-16 17:57:45
Have You Ever Lost It All ?
We are headed for some wicked hard times. Some of us are already feeling the sting ... credit card debt spread among about 5 different cards, no job, no place to live and if that wasn’t bad ... from my job and lived on credit cards for months while trying find another job. After several months [more...]
Date: 2008-10-10 11:00:39
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
Finance Issues Online
A good financial resource online can be found at Monitorbankrates.com, an abundant amount of financial quotes, articles, and links all at one site. With so much talked and written about credit that can be had while dealing with bad credit scores, I was surprised to see them talk concerning the issue of Excellent Credit Credit Cards receiving [more...]
Date: 2009-01-17 05:48:23
Why Credit Report Scores Are Important
Many of the younger generations are less concerned with their credit report scores than ever. Record numbers of young people are developing bad credit from the moment they turn eighteen and receive credit card offers. However, younger generations need to understand that they can put their entire futures in jeopardy by digging themselves a financial hole. [more...]
Date: 2009-09-26 08:27:38
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
Badcreditloanshop.com
.fullpost{display:inline;}The most common problem is financial. same financial problems that contribute to this problem in the bad credit loans ... for you to secede from debt in bank and also credit card, requirement of house, health, insurance ... of your family. Eliminates taste is anxious about debt, with bad credit loan of all your requirement [more...]
Date: 2009-01-13 09:47:00
Bills IQ for your Debt Relief
In our complicated world today, many of us are trying to make most out of our money on hand ... has a Credit card debt. Each one of us is definite to be burden on credit debts and bad credit standing. So, what to do when one is not financially capable or has a degrading credit rating? What else [more...]
Date: 2008-08-23 06:06:10
Bad Mortgages Are Just The Beginning
credit card health Yesterday I talked a bit about how, through the bailout bill, ... be looking at credit card companies such as American Express following suit. I thought ... . Americans have almost $2.6 trillion in consumer credit outstanding, according to the Federal Reserve [more...]
Date: 2008-10-16 17:29:00
Bank Bailout Puts Taxpayers At Risk
ABC News' Betsy Stark reports: It all feels less frantic than the government's rescue of the financial system a couple of months ago -- and we can ... , it is reasonable to expect more loan defaults on everything from mortgages to credit cards. And if banks ... these bad assets that are draining bank reserves and investor confidence. In other words, [more...]
Date: 2009-01-16 19:01:22
You Say You Want a Regulation?
As if the economic news weren't bad enough at the moment, ... lenders from raising interest rates on existing balances unless a payment is received late. Credit card ... . Enter new "credit card regulations" issued by the Federal Reserve, Office of Thrift Supervision [more...]
Date: 2008-12-29 14:00:48
40 Key Elements to Getting Started In Social Media
By Mike Fruchter of MichaelFruchter.com (Twitter/FriendFeed) ... of the credit card you have on file as well. Auto-renewal notices, getting marked as spam, combined with an expired credit card is bad news. This happened to a friend, just a word of advice [more...]
Date: 2009-01-05 22:52:52
Watch Out for Possible Credit Card Scams
I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... card. Bad Photography A lady paid by using my Visa Check Card, and the young man behind ... will be so much better. Currently in the United States, the credit card companies take the burden off [more...]
Date: 2008-10-30 15:25:07
*Crosstalk Today*
The always fascinating Andrew Gause is with us on Crosstalk today to discuss Bailout Madness. Listen live here, 2pm Central ... you can just have the feds keep printing money and take care of everybody’s bad mortgages, everybody’s credit card debt from pizzas they ate 5 years ago, etc. OK, brilliant Americans, where do you think [more...]
Date: 2008-11-19 20:00:31
Pakistani Bailout Plan
Governor of The State Bank of Pakistan Dr. Shamshad Akhtar has at last woken up after days of uncertainty of the banking sector and has admitted ... ballooned, and has generated bad habits of credit cards, auto loans, house loans and other types ... put the fear of God in the public about the fact that something can also go bad, while leaving them [more...]
Date: 2008-10-17 20:00:23
A Bright Light From Home Depot (HD)
95129c The first reaction a lot of investors would have to Home Depot's (HD) is that they are bad. Very bad. Earnings bet Wall St ... lines and credit card capital, the consumer should be doing almost no home improvement work ... economy. Stopping to reflect on the housing market and lack of available consumer credit, the figures [more...]
Date: 2008-11-18 11:33:04
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
When you should use a credit repair agency.
Credit has become a very important part of peoples live in todays age. If you have bad credit you are familiar with having closed doors to loans, bank cards, credit cards, car financing and mortgages. Now all is not lost and you have the option to start fixing your credit. [more...]
Date: 2009-09-29 18:23:10
When you should use a credit repair agency.
Credit has become a very important part of peoples live in todays age. If you have bad credit you are familiar with having closed doors to loans, bank cards, credit cards, car financing and mortgages. Now all is not lost and you have the option to start fixing your credit. [more...]
Date: 2009-09-29 18:23:10
High Yield Spreads at Everest Proportions
One would think that given the 10%+ gain in equity markets that we would have seen some relief in the high yield credit market ... treasuries, companies with less than investment grade credit, will not get funding unless they are willing to pay upwards of 20% interest per year. Too bad those credit card offers aren't coming in the mail [more...]
Date: 2008-10-13 23:45:44
Free Credit Score Online!
Credit Score is an important factor considered by creditors, money lenders and other financial institutions ... a good credit score: The Potential lenders, banks, credit card companies and employers measure ... not be under this misconception that a bad or poor credit score will always remain poor. You can improve [more...]
Date: 2009-01-14 10:33:46
25+ ways I save money
Whether because it’s that new-beginnings time of year or because the economy stinks, how to save cashola is always a popular topic ... is good and what is just someone trying to sell me something. Or maybe some things that would be bad ... for larger/distant organizations) on credit cards [more...]
Date: 2009-01-12 18:22:41
Eliminate Debt
Most people,at some point of time in their lives are affected by debt and then lead a dejected and totally unhappy life ... in the web site.The web site also provides you information on how bad a credit card debt ... .It is very important that one finds a good debt consolidation service to eliminate [more...]
Date: 2009-01-13 22:44:46
This Could Be The Day
This could be the day that you… decide to get out of debt start to live on a budget stop arguing with your spouse start talking to you spouse teach your kids about money send five extra dollars to the credit card company get rid of bad spending habits embrace bold, significant change choose to believe that you are worth it choose [more...]
Date: 2009-01-06 12:15:05
Credit Cards For People With Bad Credit Scores
Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. [more...]
Date: 2009-01-18 01:46:38
When you should use a credit repair agency.
Credit has become a very important part of peoples live in todays age. If you have bad credit you are familiar with having closed doors to loans, bank cards, credit cards, car financing and... Writers Wanted: Join Our Blogging Community Today! [more...]
Date: 2009-09-28 18:57:28
I owe Citibank negative five centavos. How do I pay it?
262207_f520 THIS IS MY unusual, and so overly annoying problem for more than a year now. I welcome any out-of-the-box solutions you may offer ... a credit card it is a must that you settle all your remaining balance first. My bad luck stemmed ... months ago. I decided to stop using my Citibank-Shell credit card which I started using just a few [more...]
Date: 2009-01-13 22:01:33
Current Reading/Listening
A few days before Christmas an old friend of mine emailed me to say that God had put on his heart to send me one of those visa pre-paid credit cards ... . Not in a bad way. But it’s all over his music. He too has a some great melodies. picture-21 [more...]
Date: 2009-01-16 13:07:53
Take Control of Your Finances Part 6: Get Out of Debt
Debt is like indentured servitude. You work and earn income, but you hand over that income to someone else ... as well. Good debt versus bad debt One comment you may hear is that mortgages and student loans are “good debt” while credit cards and car loans are “bad debt.” The philosophy here is that houses [more...]
Date: 2008-11-21 17:52:35
Showing Your Finances The Light of Day
This is a guest post from Scott Crawford. Scott is the CEO of DebtGoal ... ) but as we started to talk through their situation, I realized that it might not be as bad as they thought. It turned out to be fairly bad: they had $120K in credit card debt, another $70-80K in student debt [more...]
Date: 2008-11-25 16:13:00
Cathleen Falsani: The Coen Brothers Get "Serious" with a Comic (and Spiritual) Masterpiece
Earlier this week, I had a bad day. Epically bad. I ran out of cash. I lost my credit card. I missed my flight. And then, standing outside the United Airlines terminal at O'Hare, I dropped my cell phone, and as if in slow motion, watched in horror as it bounced and dropped over the barrier and onto the roof of the baggage claim area 10 feet below into an inch-deep layer of pigeon guano and dead cigarettes. [more...]
Date: 2009-09-18 22:39:42
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
Is Hank Paulson Too Powerful?
In the last tumultuous seven days, one refrain was common from people on Wall Street: “Thank God it’s Hank in Washington taking care of this ... and his knowledge of the architecture of finance, as the man of the hour in this credit crisis: dealt a bad hand, but playing the cards the best he can. But as the Federal government’s bailout [more...]
Date: 2008-09-21 16:34:00
Banks -- can't live with 'em, can't live without 'em
... That initial recapitalization was necessary. Without that government-financed capital, many more banks would have been insolvent, ... getting worse by the day, other assets, like commercial real estate and credit card loans, are going ... with the bad assets, once and for all. They need to be properly valued and they need to be isolated [more...]
Date: 2009-01-17 12:55:18
How I Got Bad Credit
July 31, 2009 | By Frances Lexington In Finance | by Frances LexingtonA few months, I went through some rough moments in my life. I got laid off after the company I worked for went down. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies.My life became a living hell of collection calls and non-stop harassment from debt collectors. [more...]
Date: 2009-07-31 23:37:24
It’s been a heavy week, but in the midst of frustration and concern, there have also been some happy moments ... Mutual respond to the offer of a credit card, “No, man, those things are bad news.” If only more people [more...]
Date: 2009-01-16 17:04:54
Basics of Reverse Mortgages
Basics of Reverse Mortgages Posted by Dark Spider at January 17, 2009 What is a reverse mortgage? ... profile fortune 500 bank, for whatever reason. If you have bad credit or questionable financial ... free card. It is a serious loan and therefore must be treated as one - if you know for sure [more...]
Date: 2009-01-17 00:07:33
Get 2% Deposited Into Your Schwab Investment Account
I don’t usually write much about credit cards here but this is something kind of interesting. Charles Schwab is offering an unlimited 2% cash back on their Invest First Visa Credit Card ... s $25,000 per year in spending. If you spend more than that, the Schwab card may not be a bad idea [more...]
Date: 2008-12-04 20:48:50
The Fannie/Freddy bailout
It’s almost as if the feds are trying to flush the economy down the crapper ... holders of U.S. Treasury bonds. -Higher rates are bad for anyone with a mortgage, credit card debt, a home equity loan, a margin account, etc. -Higher rates also increase the government’s debt burden [more...]
Date: 2008-07-15 01:21:54
Goldman Sachs Predicts Loan Losses Will Top $2 Trillion
Despite all the hoopla about stimulus plans and bailouts rescuing Americans’ home equity and retirement accounts, ... of $780 billion. Add in losses from commercial real estate, credit cards, auto debt and business ... on bad overseas loans that they hold. And it looks like more bad news about loan losses will be coming [more...]
Date: 2009-01-15 23:05:05
House Price Searches Soar as Prices Plummet
With the market tailspin continuing, we are seeing some interesting changes in consumer search behavior that point to opportunities for marketers ... . Bad Time for Borrowers At the same time, we have seen an increase in searches related to credit cards and loans. For example, share of US Internet searches for "credit cards" are up 107% in the past [more...]
Date: 2008-09-30 14:30:04
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
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