Credit Repair The DIY Way

by Bob jones Negative remarks on your credit report can cost you serious money. You do not have to despair though, since it is never too late to make yourself credit worthy again. However, always remember that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate once more. How to Get Started : You should know who the three credit bureaus are and what they are saying about you. [more...]

Date: 2009-09-23 10:40:11

Blog posts (192) | Videos (74)
 

Restoring Your credit Status

by Bob Jones A crucial aspect in maintaining a high credit status is in point of fact the contents of your credit report. The credit report is very much the history of your monetary life, contained in a comprehensive document. The credit report details the credit score, which is a numeric grade typically between 300 and 850. Most lenders use the credit score to help them make their mind up whether you are worthy of credit. Furthermore, the score is also used to conclude your capability of paying a loan. [more...]

Date: 2009-09-29 08:16:24

Do-It-Yourself Credit Repair

by Bob jones Negative comments on your credit report can cost a lot of money. You do not have to give up though, because it is never too late to repair your credit worthiness. However, bear in mind that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate again. How to Get Started : You should know who the three credit bureaus are and what they are saying about you. [more...]

Date: 2009-09-27 16:11:07

Don’t Use Free Credit Report Services - Get Free Credit Reports Direct from Credit Bureaus

Amazon.de Widgets A Free credit report is the entitlement of every US citizen, and with many more people suffering with debt problems nowadays the first question asked by them is ‘where can i get my free credit report?’Free credit reports are in high demand, this is because the state of the global economy, as i am sure you are all aware, is bad, very bad and has been for some time now and the ramifications of this are that a lot of people who previously had good credit reports have been missing [more...]

Date: 2009-09-25 14:55:10

TonyaTko: 5 Ways to Improve your Credit Pt. 1 (continued)

video click on “share” right below.. and share it with all of the people on your friends list… or email the link to any and everyone you know… You never know who you might save from getting bad credit, or who may need help getting out! www.youtube.com www.youtube.com I want everyone to begin the journey into having excellent credit, and this is the first part of a 3 part series. … tonyatko 305636 bad credit repair raise fico debt cards transunion equifax experian money loan bank bankruptcy … [more...]

Date: 2009-09-27 01:08:10

Credit Repair The DIY Way

Credit Repair The DIY Way by Bob jonesNegative comments on your credit report can cost you serious money. You do not have to despair though, since it is never too late to become credit worthy again. However, always remember that credit repair does not take place overnight. It requires serious dedication and perseverance to start a clean slate once more.How to Get Started: You should know who the three credit bureaux are and what they are saying about you. [more...]

Date: 2009-09-25 20:42:43

Credit Repair The DIY Way

by Bob jones Negative comments on your credit report can cost a lot of money. You do not have to despair though, because it is never too late to repair your credit worthiness. However, remember that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate once more. How to Get Started : You should know who the three credit bureaux are and what they are saying about you. [more...]

Date: 2009-09-25 21:05:30

Go Over All Your Three Credit Reports

September 26, 2009 | By Jesse Hughes In Finance | by Jesse HughesCredits and loans are used by individuals when purchasing their needs. A car loan is applied for to get a car, a mortgage is taken to get a house, a student loan is taken to get an education and a credit card is used to get about just anything else. Cash is barely needed nowadays to purchase your needs.Getting a loan or any other credit for that matter is not so simple. The bank that will issue the credit will not do it blindly. [more...]

Date: 2009-09-26 18:02:55

Obtaining Bad Credit Home Loans

Obtaining Bad Credit Home Loans by Tony KidFinding bad credit home loans isn’t as hard as it once was. With a new administration in place, there are even more possibilities than before. They can get you approved, and make it affordable unlike in times past where only the people with good credit could get approved. Owning your own home is one of the biggest parts of the American dream.For many years, citizens of the U. S. have been chasing the American Dream. [more...]

Date: 2009-09-26 13:12:48

Credit Card Debt Consolidation Loans will Get You out of Debt Effectively

Amazon.de Widgets Credit card debt consolidation loans will help you to regain control of your debt and avoid filing for bankruptcy. However, you must first look at ways of lowering your debt through negotiating with your creditors. If you, like so many others, are finding that the pressure caused by increasing credit card debt is pushing you towards considering filing for bankruptcy it is probably time for you to start thinking about the damage such a move would cause you.Instead, start looking [more...]

Date: 2009-09-25 15:17:26

Why Is There a Need to Review All Three Credit Reports?

by Jesse Hughes Much of the purchasing made by individuals are done with the use of credits or loans. You get a car through a car loan, a house via a mortgage, your education through educational loans or just about any other need through the use of credit cards. Gone were the days when you had to carry load of cash to buy what you require. Getting a loan or any other credit for that matter is not so simple. The bank that will issue the credit will not do it blindly. [more...]

Date: 2009-09-26 18:02:50

Time for Homebuyer’s Tax Credit Running Out, Will it be Extended?

The $8000 Homebuyer’s Tax Credit expires November 30th of this year, so for those planning on taking advantage of this by buying a home, time is running short. For those interested in taking advantage of the program, this means a house purchase must be completed by that date in order to receive the credit. Because many loans can take up to 60 days to process, many in the real estate and banking industry worry that the numbers will start tapering off in early October. [more...]

Date: 2009-09-30 10:56:29

A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part Three Equifax

In the third and final part of this series on getting your free credit report without the not-so-free extras, we’ll be looking at Equifax, one of the trickier credit reporting agencies. 1. Begin by signing onto AnnualCreditReport.com and selecting your state. You’ll be prompted to enter some identifying information, if you haven’t done so already. 2. On the next screen, check Equifax and click “Next.” 3. The information you filled out in step one should carry over to the next screen. [more...]

Date: 2009-09-24 11:49:46

How Divorce can Impact Your Credit Report

Divorce is hard enough.  Don’t complicate it by letting it ruin your credit report. Whether you’re considering a separation or filing for divorce, it’s important that you give your credit special attention. Your credit can have a significant impact on your ability to start this new chapter of life with the resources you need.  Here are the things  you need to look out for. In the event of a divorce, the divorce settlement legally covers things jointly owned. [more...]

Date: 2009-09-24 09:15:32

So How Do I Get My Free Copy Of Credit Report Each Year?

by Andy Zain One of the benefits of being an American citizen is that each year we get a little gift in the form of a free copy of credit report. Instead of having to plunk down the five to ten bucks it used to cost per copy, we can get one free annually. We can thank the government for passing the 2003 Fair and Accurate Credit Transactions Act and giving us our little bonus. The three prominent national credit reporting agencies are the most affected by the law passed in 2003. [more...]

Date: 2009-09-25 07:53:49

Finding Bad Credit Home Loans

Sep 26th, 2009by Tony Kid. by Tony KidObtaining bad credit home loans is just not as hard as back in times past. There are loads of new programs available to help people with less than stellar credit. You have many options if you fall into the bad credit category today, and help is there if you look for it. You may not think you can get approved for a loan, but if you’ll seek it out, you may find that you’re perfect for the programs that have been put in place today.For many years, citizens of the U. [more...]

Date: 2009-09-26 13:14:42

Great Advice!

Identity Theft is on the rise. The information in this post that I recieved by email has nothing to do with saving money, however, my hope is that this great advise will save you a lot of time and trouble. .1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'. 2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. [more...]

Date: 2009-09-30 11:47:00

Tips on Getting the Best Bad Credit Loan

Copyright (c) 2009 Liz Roberts Usually, people with bad credit history will apply for sub-prime loans. Bad credit loans has higher interest rates and fees because people that apply to this kind of loans are seen as high risk borrowers. if you are one of them, what can you do? Can you still get a loan that has a reasonable rate despite of your credit score. Loans for Bad Credit – Choosing the Best Different lending companies offer varying loans especially for the bad credit market. [more...]

Date: 2009-09-26 05:46:14

Free Identity Theft Monitoring for AAA Members

If you’re an AAA member in California, Hawaii, New Mexico or Texas, you’re suddenly eligible for a free credit monitoring service, provided by Experian. While I was looking through the fine print (a free service for you provided by ConsumerismCommentary.com), I found this, which gave me pause: You are receiving a complimentary credit monitoring membership. Your membership is effective for the period disclosed to you when you received your activation code. [more...]

Date: 2009-09-29 11:56:15

Regain your Identity after a Theft

What to do in the event that you’re identity gets stolen you ask?  It’s pretty easy to fall victim to identify theft and you’re not alone if it occurs to you.  Recent studies and reporting mechanisms have suggested that millions of Americans each and every year fall victim to the occurrence (almost ten million).  So you’re not alone.  There are several steps that you should take following the discovery of identity theft. [more...]

Date: 2009-09-23 13:42:32

What REALLY makes up your Credit Score?

What REALLY makes up your Credit Score? by Ty CrandallYour credit score is the magic figure behind most aspects of your life. How much you pay for utilities, mortgage payments or rent, insurance, your car, and even whether you get hired are all dependant of your credit score.This article will assist you with understanding each individual component of your credit score. For extra details on the credit scoring system you can see this article and more at www.PerfectCreditFast.com. [more...]

Date: 2009-09-24 19:14:42

Slowdown in American Economy Could Be Good for the Environment

In America, consumerism is rampant, no doubt about it. We’ve been bred to buy, buy and keep on buying even if you really don’t need anything else. We constantly ‘upgrade’ our stuff. Decades of cheap credit have allowed this monster to continue ... : The average American with a credit file is responsible for $16,635 in debt, excluding mortgages [more...]

Date: 2008-08-15 13:00:45

Better Lucky Than Good

Last Saturday morning I realized shortly before heading down to the airport that I couldn’t find my wallet. I was running late, and could only do a brief search. As a precaution I locked out my credit card ... all be an enormous hassle of course: Replacement bank cards and credit cards were easy enough to come by given [more...]

Date: 2009-01-15 01:26:55

Money money money

Hello and welcome to this week’s roundup. Politics got right into full swing again this week following the Christmas break. But first thoughts should turn to the ongoing situation in Gaza. Caron shared the thoughts of a friend. Meanwhile, Stephen Glenn took up Iain Dale’s challenge to see events from an Israeli perspective [more...]

Date: 2009-01-11 18:54:38

Trying to be Politically Correct.

In North Florida, we called them “Trailers”. In Maryland, I was corrected. They called them “Mobile Homes” ... to know the price ranges. We knew that our credit report would come up as “DANGER, DANGER!” so we figured ... : It seems, Mr. Our-Last-Name, you don’t have a credit report. Mark: Um. What? Salesman: Nothing [more...]

Date: 2009-01-08 15:58:37

Essential Credit Repair You Need Know For Successful Self Credit Repair

Credit Repair The DIY Way . Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY credit repair tips that you can use to get started. [more...]

Date: 2009-09-28 06:50:28

Who’s To Blame for Tech’s Woes? You and Me

The last time technology investments took a hit, it was easy to look around at the scattered sock puppets and dark fiber, ... t their wholehearted embrace of the web — it’s consumers’ wholehearted embrace of credit. That’s right, this tech ... debt, in the form of home equity loans and credit financing, which they’ve used to buy fancier cars [more...]

Date: 2008-10-31 04:01:17

The End of Consumerism?

I'm still trying to figure out if this "phony recession" is really as significant as earlier eras of American economic dislocation. Sure, housing's collapsed, credit markets and banking institutions have face bailouts ... argues that indeed credit card-driven spending has kept the economy afloat, but the good times [more...]

Date: 2008-08-12 15:12:08

New myFICO Coupon Code

Here’s a newly released coupon for 25% off real FICO scores and all other credit products at myFico.com . Use the promotional code FINANCIALHELP25 to get 25% off and a FICO score for less than $12, the best discount currently available: The code is good until September 30th (although try it anyways and see if it works after that date), so be quick about it. For the Equifax credit score only , you can get it for $10.95 using the code SW94608 , which is over 30% off. [more...]

Date: 2009-09-27 02:48:46

One Way to Protect Against Identity Theft

When information gets stolen, it is used in various ways. Sometimes the thief may use it to drain your bank account, for example ... will not extend credit without first pulling a consumer’s credit profile. If you place a “security freeze” on your credit profile, the reporting agencies are prohibited from releasing your credit [more...]

Date: 2008-09-22 21:10:55

Grieving Families Suffer Further as Identity Thieves Target the Recently Deceased

There is much to deal with after the passing of a family member, the last thing you think you would have to do is deal with credit applications ... is different than the one in the applicant's main credit file. This new FTC rule just went into effect ... was stolen and used to apply for AMEX and BestBuy among other credit cards. Identity theft accounted [more...]

Date: 2009-01-09 22:31:36

Credit report: check yours

Checking your credit reportAccording to the Federal Trade Commission, one in six Americans will be a victim of identity theft this year. It’s more important than ever to make sure you check your credit report often to make sure you are not a victim. It is also easier than ever to check your credit report and the best part, it’s free.A few years ago, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). [more...]

Date: 2009-09-30 19:27:34

What Is My Credit Score and How Is My FICO Calculated?

If you’re like most people out there, there’s inevitably going to come some point in your life when you’ll need to apply for credit and seek out ... prospects like mortgage loans either - even routine applications for things like credit cards, checking accounts, auto loans, and even new jobs are undergoing greater credit worthiness scrutiny. Both [more...]

Date: 2008-07-08 03:19:44

How Banks Decide Who Gets Credit

Now that I've worked my notice with HBOS I can talk a little bit more about my time there ... through everything and try to explain to the customer why they'd been refused credit - it'd ... as financial advise.When you apply for credit, there's two main factors. First is your "credit score [more...]

Date: 2009-01-05 18:30:00

moving your money to a safer bank. *Based on FDIC data from March 2008. ... » Banks and Fraud: Bank of America Better Than Expected? » More Credit Card Customers at Risk ... . Dovetailing nicely with my article on how to freeze your credit record, Ben talked [more...]

Date: 2008-07-16 10:10:35

FICO, FICO un day

The Associated Press apparently frowns on bloggers linking to AP news articles and quoting the first paragraph in its entirety ... annually on credit card and other interest payments by raising their credit scores, but many consumers still don't know enough about the complex numerical values that represent their credit risk [more...]

Date: 2008-07-20 21:53:04

Personal Finance 101: Credit Reports, Credit Scores, and Hard and Soft Pulls

pf101 Over the last few days, I’ve received a ton of questions about so-called “hard pulls” and “soft pulls” on your credit report and how they affect your credit score. In order to get the full scoop, I did some extensive research on the subject, and here’s the best information I can find. Let’s start off with the basics. What’s a credit [more...]

Date: 2008-07-23 20:00:38

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... as to how much of your available credit you’re using. According to Yahoo! Finance columnist Liz Pulliam Weston, “if your credit card issuer slashes your credit limit — which is increasingly likely [more...]

Date: 2008-12-29 21:48:19

Experian Credit Report, Formerly Known As TRW Credit Report

September 25, 2009 | By Andy Zain In Finance | by Andy ZainYes, that’s right. The name has changed. TRW credit report is now known as the Experian credit report and it just happens to be one of the top credit reports that are viewed whenever you apply for any type of loan. This is what every lender will look at whenever they run your credit history.This report is basically a report about your financial history. [more...]

Date: 2009-09-25 19:34:33

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

Free Credit Report and Scores

Free Credit Report and Scores January 14th, 2009 Subscribe To Our Feed Are you kind of person that is regularly updated about the state of your credit report? such thing has become very important nowadays, considering the current ... moves need to be taken with care, a credit report checking could save you problems in the near future [more...]

Date: 2009-01-14 14:47:36

5 Credit Questions with Fair Isaac’s Barry Paperno

Following my guest post on my good friend JD’s Get Rich Slowly about How to Prepare for Buying a Home, ... , otherwise known as your credit score, which is probably one of the the most important numbers you need ... ? Barry Paperno: Prior to joining Fair Isaac in 1995, I served as Operations Manager with Experian [more...]

Date: 2008-09-23 16:11:34

Finding Out Your Credit Report And Credit Score

I was watching that web cast of Suze Orman just yesterday and boy did that open up some interesting moments such as that restaurant owner that is ... that web cast made me realize that a lot of people actually don’t know how to obtain their credit scores/credit reports. Figured it would be better to talk about that first since there was a discount [more...]

Date: 2009-01-16 08:02:39

Do-it-yourself Credit Repair

There are many consumers which are being lured by companies which promise them to clean their unappealing credit history ... as the company has not yet completed the service. According to Credit Repair Organization, any ... of these companies would do nothing to improve their customers’ credit background and would eventually [more...]

Date: 2008-08-23 04:47:53

Totally Free Credit Report.

If you are a credit card or a bank account holder, your bank agent might have discussed or mentioned about the Bankers of the Association of the Philippines’ Negative Credit List where history of delinquent loan and credit due payors ... delinquent credit accounts. And having a records with such adversely affects one’s future banking [more...]

Date: 2008-11-20 05:18:46

Your Free Credit Score: Is There Such A Thing?

What’s the big deal about credit scores? Since credit scores are recognized as predictors of future bill paying ability, the better your rating, ... your financial standing. Really, who wants to wade through credit report paperwork when a number can tell all? While your credit report is a record of all your credit-related activities, your score [more...]

Date: 2008-07-16 01:28:24

How to Safely Build Your Credit History

I’ve heard from several high schoolers and early college students asking for advice on how to build up their credit history in a safe and ... years - a credit report is just a detailed listing of this information. There are three companies ... in your credit report. The most common type of credit score is the FICO score. While the exact formula [more...]

Date: 2008-09-23 20:00:35

Why Your Credit Score Is So Important To Your Ability To Borrow

Your credit information may be of no use to you. If you’re not planning on buying a house or renting an apartment, buying a car, taking out a loan, paying for college or getting a new credit card, then you won’t need to worry about getting ... you are and where you need to be financially. Bad Credit To improve your credit information, you’ll need [more...]

Date: 2009-01-17 13:04:13

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret ... : A reader has a quandary about gift certificates given out as gifts. No Credit Needed enjoys spending ... company, I feel oddly reassured… Recent Carnivals Shop For Groceries Online, Not Paying Off Credit Cards [more...]

Date: 2008-07-16 23:00:00

Credit Reports can be a Teaching Tool

by Rob Kosberg All of us have probably been informed that our credit report is a very important document ... on each report, locate any and all errors. It is up to each individual to monitor his/her own credit ... credit. We can obtain copies of our credit report for free, on an annual basis, from the three major [more...]

Date: 2009-01-17 15:18:02

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