Credit Repair! You May Have A Bad Credit Rating And Not Even Know It
When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mis management of our finance s, and in most cases that is true! However, many of us don’t realize that thousands of men and women every year find out they have bad credit due to credit fraud, and if you’re not 1% sure on how this happens, it’s a method by criminal organizations that are stealing your identity and using it for financial criminal activities. [more...]
Date: 2009-09-30 14:31:03
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Credit Crisis Sequel, Global Bank Bailout, Emerging Markets Still a Buy?, Gas Wars and More!
Ghosts of the fourth quarter haunt global financials… so begins the second act of the credit saga… Even the IMF needs a loan… $150 billion to back ... advice… with S&P 500 price targets… Plus, Russia-Ukraine gas dispute not yet over… a reader ... predicted today. According to Morgan’s report, profits at HSBC will decline “sharply” this year [more...]
Date: 2009-01-16 15:28:24
How to Improve Your Credit Score When Paying Down Debt
Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]
Date: 2009-09-29 11:00:28
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
Retail Sales Disappoint
Retail sales disappoint…. Chuck’s views on the Lone Prop… Waiting on the ECB… Emerging market currencies sell off… And Now… Today’s Pfennig! ... according to yesterday’s report from the Commerce Department. The falling home prices, rising job losses, and tighter credit have all combined to finally force US consumers to adjust their spending [more...]
Date: 2009-01-15 17:57:41
Student Loan Consolidation
Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]
Date: 2009-09-29 14:46:22
Four at Four: A Familiar, Comforting Sort of Lousiness
The extended Santa Claus rally was cut off late last week and has run into a more alarming reality this week (other than Santa not being real) ... on the financial companies, and the silver lining appears to be that credit spreads and short-term lending ... should be, relative to the movement on the S&P 500.” So in other words, it’s still bad, but [more...]
Date: 2009-01-14 12:59:00
The Early Bird: January 7, 2009
Burris Barred, But Maybe Not For Long While members of the incoming U.S. Senate were sworn in on Capitol Hill yesterday, Gov ... spending. But the Democrat also promised to limit and eventually reduce the long-term debt by enacting ... 2004 report by the governor’s handpicked executive inspector general. Rolland Burris is also scheduled [more...]
Date: 2009-01-07 14:58:42
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
Highlights and Lowlights of BofA’s Earnings Call
Bank of America moved its earnings announcement up to this morning to soothe investors after The Wall Street Journal’s report that BofA would need ... and $27 billion in credit costs. Many of the problems originated at Merrill Lynch, which had a loss ... Goldman Sachs research analysts noted wryly in a research report this morning. BofA CEO Ken Lewis [more...]
Date: 2009-01-16 16:01:30
DEMS SEEK TO BLAME BUSH FOR THEIR MISMANAGEMENT
Submitted by: Clark Havard Fannie, Freddie And Now, Hannie By INVESTOR’S BUSINESS DAILY | Posted Thursday, January 15, 2009 Subprime Crisis: ... % of all subprime loans. Now these chickens are coming home to roost. The mortgage giants, internal memos show ... The media have pounded President Bush for a wave of Hispanic home foreclosures [more...]
Date: 2009-01-16 19:40:15
Chinese banks facing risks from bad loans
China’s lenders may have evaded the worst of the global credit crisis so far, but they are facing plenty of risks of their own, economists with credit agency Fitch Ratings said Friday. A larger-than-expected downturn ... , which have boosted lending at the government’s behest, will see an increase in problem loans, said [more...]
Date: 2009-01-16 09:39:30
CBO Report: U.S. Will Go to Hell in 2009
According to a report just released by the Congressional Budget Office (CBO), “the federal budget deficit this year will total $1.2 trillion, or 8.3 percent of GDP.” This seems about right for a banana republic. The bad news is that neither commercial banana cultivation nor a republican form of government has proved viable in this country [more...]
Date: 2009-01-08 23:14:26
Posts about ACORN as of September 28, 2009
Massive Voter Fraud In NY linked to ACORN - electionjournal.org 09/29/2009 The Working Families Party and local Democratic Party Officials are at the center of a massive voter fraud scandal in Troy, NY. According to the Times Union : Dozens of forged and fraudulent absentee ballots from people registered to vote on the Working Families Party line were filed in the Sept. 15 primary elections in Troy. [more...]
Date: 2009-09-29 05:45:28
Gates of Vienna News Feed 1/8/2009
The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]
Date: 2009-01-09 04:49:00
Circuit City To Liquidate… Over 30,000 Jobs To Be Cut
Bankrupt Circuit City Stores Inc., unable to work out a sale of the company, said Friday it will go out of business _ closing its 567 U.S ... had been seeking a buyer or a deal to refinance its debt, but the hobbled credit market and consumer worries ... Capital Partners LLC, SB Capital Group LLC and Tiger Capital Group LLC as liquidators. They will pay [more...]
Date: 2009-01-16 21:58:08
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
Debt Validation And Collection Agencies
Under the FDCPA or the Fair Debt Collections Practices Act , you have the right to “debt validation”. This is a demand from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms of the loan and any other pertinent information is correct and accurate. A collection agency must also provide proof that they have the legal right to attempt to collect the debt. [more...]
Date: 2009-09-29 23:06:03
Gates of Vienna News Feed 1/6/2009
Tuan Jim sends an string of important news articles about the gas pipeline crisis caused by the deadlock between Russia and Ukraine. He notes that the affected countries are dusting off alternative sources of energy — fuel oil and nuclear reactors — for electricity generation.Thanks to AA, Abu Elvis, C [more...]
Date: 2009-01-07 04:50:00
The Great American Ponzi Scheme
Give us Madoff! Give us Madoff! “Oil rises to $39 on Bernanke comments…” “Asian stocks rise after Bernanke remarks…” When they turned out the ... say to bring about the turnaround? We find the report on the front page of the International Herald ... and the normalization of credit markets,” said the main man at the Fed, speaking to an audience at the [more...]
Date: 2009-01-14 17:00:26
Personal Loans for Bad Credit – Bank Account Loans to Help You
Personal loans for bad credit have gained greatly in popularity during the recession. Getting bank account loans to help you with money issues might be just what it takes to get you through this troubling time. Even if you have to endure a high interest rate it might still be worth it to get some of those bills paid and get creditors off your back. [more...]
Date: 2009-09-28 22:03:56
Your Credit Rating And You
by Steve Collins Credit ratings, at their most straightforward, are personal debt histories ... assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain ... . Credit ratings can haunt us for our entire life, providing a often worrying picture [more...]
Date: 2009-01-17 22:23:20
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
Another Quasi-Nationalization, House Debuts Obama Stimulus, Russian Resource War Approaches, Prices Fall and More!
by Addison Wiggin & Ian Mathias Congress unleashes remainder of TARP… another $350 billion into the void Treasury wastes no time… Bank of America quasi-nationalized Dan Denning on the real issue plaguing American financials Obama’s fiscal tenure off to terrific start… $825 billion stimulus bill, [more...]
Date: 2009-01-16 20:25:19
Sunday Papers 18 Jan 2008
Pushed for time this week, so the Bloggosphere round-up is a little short - I’m off on another real-world assignment to the darkest corners of Asia this coming week, but I’ve left you with plenty to read below, and have scheduled a load of articles to appear each day while I’m away - have fun y’all [more...]
Date: 2009-01-18 06:41:32
How To Break Away From The Debt Prison, Forever!
By Tom Graneau Americans are plagued with personal financial problems ... finance is the most common platform for human errors. Many of us have purchased more “stuff” on credit ... . Mistakes are part of the developmental stages of life. We make errors in every segment [more...]
Date: 2009-01-16 18:03:11
Consumer Credit Counseling
Consumer Credit Counseling January 17, 2009 at 5:00 pm · Filed under Credit Counseling Services div style=’float: right; width: 100px; padding: ... on financed loans and credit card debt can become onerous and when you add in penalties and late fees ... impossible for anyone to compete in today’s arena without the aid of a credit card. And that’ [more...]
Date: 2009-01-17 22:00:36
The Next Step for the U.S. Bank Bailout
From the WSJ: U.S. Plots New Phase in Banking Bailout Officials at the Treasury, Federal Reserve and Federal Deposit Insurance Corp ... has a table of credit losses based on estimates from Goldman Sachs: $1.1 trillion from residential mortgages ... a government bank that would buy up the bad investments and loans that are behind the huge losses [more...]
Date: 2009-01-17 18:31:35
Got TARP? How About Tax Haven Subs?
As we arrive (almost) at the inauguration of the new administration, we are still facing an enormous financial system problem, headed by banks that got too big and gorged on the profits from speculating in risky derivatives at a cost ultimately to be borne by the taxpayers [more...]
Date: 2009-01-16 20:53:31
Bad Credit Unsecured Personal Loans – Credit Score Repair Helps
Bad credit unsecured personal loans can greatly assist you in making ends meet financially. The one thing that most borrowers worry about when it comes to personal loans is the interest rate. To lower your interest rate credit score repair greatly helps. It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]
Date: 2009-09-29 22:33:44
The U.S. as a Banana Republic?
Plane Ditches in New York River, All Aboard are SafeReutersNEW YORK (Reuters) - A US Airways jet with 155 people on board ditched in the frigid Hudson River off Manhattan after apparently hitting a flock of geese on Thursday and officials said everyone was rescued."We've had a miracle on the Hudson," New York Gov [more...]
Date: 2009-01-16 15:10:00
Photo: Prelude to History--Barack Obama Catching Pancakes in Sioux Falls, June 1, 2008
... , Bad & Ugly: Bush's Legacy KELOLAND TV - Sioux Falls,SD,USA Todd Epp says Bush handled the days ... for Bankruptcy (Star Tribune) The Star Tribune, saddled with high debt and a sharp decline inprint [more...]
Date: 2009-01-18 06:46:50
Gail The Actuary Presents Her Outlook
Gail the Actuary on the OilDrum presents a thoughtful, well-organized piece on economic prospects for 2009 ... loops work the opposite direction when things are bad (layoffs, for example), making a bad economic ... to loosen up credit after being given loads of money? You betcha. But forget about them. We failed [more...]
Date: 2009-01-06 20:34:00
Gates of Vienna News Feed 1/5/2009
Read through the official European reactions to Israel’s ground offensive into Gaza: Zapatero, the Vatican, ... Gaza, the Vatican Raises the White FlagItaly Urges Gaza TruceItaly: Verona to Target Home Sex ... in DemonstrationsGush Katif Expulsion Victim Returns ‘Home’ as SoldierHave Israelis Finally Learned the Strategic Value [more...]
Date: 2009-01-06 04:54:00
Orchard Bank Credit Card
by Daniel Moskel The Orchard Bank MasterCard is created for individuals with a damaged credit report. This card is issued by HSBC Bank ... they offer. These cards include three unsecured cards and one secured card. Your score depends upon ... line of credit. If you have made many mistakes then you will likely be issued the secured card [more...]
Date: 2009-01-17 14:32:58
No Credit Mortgage – Bad Credit Mortgage Rates Drop?
Bad credit mortgages are becoming more and more common in the United States as mortgage rates drop. As the unemployment rate rises many bad credit and no credit borrowers want to get a low mortgage rate. Unfortunately mortgage lenders are much more strict with their lending practices since the credit crisis began. Many mortgage lenders have seen their competitors close their doors because of bad lending practices. [more...]
Date: 2009-09-29 20:53:09
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
Some Good News Peaking Through?
I've noticed a few piece of good news starting to peak through, though still a lot of bad news out there ... of the four bear markets analyzed, market bottoms did not come when bad news was at its peak. This sort ... . So just as bad news can get heavily discounted and ignored towards peaks, the author shows how [more...]
Date: 2009-01-12 18:07:17
Debt Reduction and Debt Elimination Programs: What’s the Catch?
One of the most frequent issues that readers contact me about is more information about a debt reduction or debt elimination program that they heard ... out a lot of factors. For one, some of the programs wreak havoc on your credit report and credit score ... a final negative note on your credit report indicating that your debt was negotiated, which [more...]
Date: 2009-01-08 20:00:36
Solutions For Refinancing With Bankruptcy
Even if you have filed for chapter 7 or chapter 13 bankruptcy, you still have the option to refinance using the equity in your house as collateral, ... , but you will likely pay above prime for your home equity loan. Bankruptcy is not the end of your credit ... and many lending institutions will accept your business, even with your poor credit history [more...]
Date: 2009-01-18 09:01:02
Forecasting The Current Recession
We all know that the current economic conditions are unlike anything we have ever seen before ... in a November 2007 report, ECRI explained that "the leading indexes are not yet in a recessionary configuration ... contraction looks set to roll on. "The bad news is that the recession is going to continue [more...]
Date: 2009-01-15 20:23:03
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
Risk On: Bank of America News Helps Currencies
The theme in the markets this morning is a return of risk appetite ... bearish news only had a limited impact on the dollar because much of the bad news has already been baked ... International Capital flow report, net long term flows declined by $21.7B. The numbers show that China [more...]
Date: 2009-01-16 14:59:27
MortgageNewsClips: 2 Huge Stories, Singed at Citi, 5 Step Plan, 2nd Half?, Four Bad Bears Update, Volcker, Helicopter Hank, Casey’s Charts, Multi Apping, One Has Four, Break the Spiral, Ira Has 3
2 HUGE STORIES: 1. Wow!! - UK: New £200bn “Bad Bank” Bailout Plan - … The bad bank plan has climbed the political agenda in the past couple of weeks as the Government has become aware of the extent of the lenders’ bad [more...]
Date: 2009-01-17 14:40:15
Fed Watch: Short Takes for January 11, 2009
Tim Duy: Short Takes for January 11, 2009, by Tim Duy: I am running low on time these first few weeks of the term. Bits and pieces of things I am worried about: On the employment situation report: Mark ... report. The headline figures tell a brutal story, with ongoing steep declines in payrolls [more...]
Date: 2009-01-12 08:15:24
The Top Franchise Trends For 2009
Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan. More tips ... entrepreneurial ventures. Franchise Loan Availability The financial institutions are still going through [more...]
Date: 2009-01-09 07:30:34
Reward For Tickets to MTV’s The State (and Personal Finance Links)
I’m looking to get tickets to the reunion of one of my favorite shows… MTV’s The State at San Francisco’s Sketchfest. This is the first reunion in 12 years for the comedy group. The bad news is that I found out about it after the tickets were already sold out. I’ve been keeping an eye on Craigslist (very popular [more...]
Date: 2009-01-04 19:43:04
Media & Politics
Media & Politics 16-Jan-09 Permanent link to MTA daily media news Outgoing CIA director defends detainee interrogation program (McClatchy) LANGLEY, Va. — Outgoing CIA Director Michael Hayden vigorously defended on Thursday the agency’s use of secret prisons and coercive interrogation methods on suspected al Qaida terrorists, [more...]
Date: 2009-01-16 17:21:21
President Bush Doesn’t Care About Black People
Dec. 8, 2008: President George W. Bush kisses one of the children attending the Children’s Holiday Reception and Performance with first lady Laura Bush in the East Room of the White House in Washington, DC. The reception is for children whose parents are serving in the military and cannot be with them for the Christmas holiday [more...]
Date: 2009-01-14 08:47:09
Trends in Business Credit Cards for 2009
Small business credit card trends The year 2008 was a rotten one for the banking business. What began as a “mortgage crisis” mushroomed into a full-blown, across-the-board “credit crisis.” This has led to banks pulling back on all types of credit, but an even greater pullback [more...]
Date: 2009-01-17 22:38:54
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