12 Common Credit Report Myths

12 Common Credit Report Myths In these troubled economic times, when discussing Newport Beach Real Estate with customers, ... . Bad news comes off in seven years. 12. I can always pay someone to fix or repair my credit ... the topic turns to loans, which of course, turns into a conversation about credit scores. Banks [more...]

Date: 2008-10-26 00:29:45

Blog posts (119) | Videos (122)
 

Credit Repair Attorney: How to Decide if You Need One to Clean up Negative Items

Cleaning up past mistakes on a credit report is not a pleasant experience. There are basically two ways of going about the credit repair process.Many people decide first to fix their own credit only to discover the process is much more involved than they expected. This is because they are trying to save a few dollars by going the inexpensive route. Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. [more...]

Date: 2009-09-03 00:59:38

All You Wanted to Know of Bad Credit

Martin Henderson is in a fix these days. Because of his failure to repay a loan he had taken a few years back, ... . If not, then they report the matter to the credit reference agencies. Credit reference agencies ... the judgement irrevocable. Individual voluntary arrangements are another form of bad credit [more...]

Date: 2009-01-01 04:58:12

Fixing Your Credit Is Not A Guessing Game

confused If you have bad credit, correcting the problem may feel like an overwhelming task ... aspect of your report. The credit score shows your report on a continuum that usually ranges ... . Understanding what happened, how it impacted your credit, and eventually improving your credit [more...]

Date: 2008-11-28 11:00:35

Thinking of credit repair? Think twice

You’ve probably heard ads promising to fix bad credit ... having money trouble. No one can remove accurate negative information from anyone’s credit report ... to the FTC’s brochure titled Credit Repair: How to Help Yourself, here’s how to tell if the company [more...]

Date: 2008-11-03 12:06:26

How Women Can Fix Their Credit Before Applying for a Job: Part 2 — Debt and Budgeting

a guest post by Michelle Dunn (www.bizchicksrule.com) ... I ran into a bad situation and turned to a credit counseling service that was a scam and I spent money ... — Earlier today, we talked about credit reports and credit scores. Now, let’s talk about managing [more...]

Date: 2008-09-18 16:25:41

3rd Wave of Foreclosure Hits The Jobless

People With Traditional Mortgages Who Have Lost Their Jobs Are Now Facing Foreclosure (CBS) ... up. With a government job, good credit, and a 30 year fixed rate loan on her southern California house, Judy ... swept up are not greedy investors, or people who got in over their heads with bad loans, reports CBS [more...]

Date: 2008-11-29 06:00:20

What do you think about deflation?

The economy just might be on the way to “fixing” itself, if it doesn’t destroy itself first ... more businesses could go under. Bad. Of course, in the long term, lower profit points could mean ... their credit, etc. That would be good. The New York Times reports that construction on new houses [more...]

Date: 2008-11-19 15:22:55

Fixing the Unemployment Outlook

by The Mogambo Guru Mish Shedlock at globaleconomicanalysis.blogspot.com has looked at the latest Z1 Flow of Funds report, and found that "$7 ... of 2008, is also as bad as it looks, then "roughly $10 Trillion in household wealth ... !), PLUS give me a tax credit (which is cash in my pocket!) for, oh, say, 10% of what I spent, as a sort [more...]

Date: 2009-01-02 20:04:08

Report: Massive FBI database set to quadruple in size

Flashback: EU Plans Massive Surveillance Panopticon That Would Monitor “Abnormal Behavior” | US Police to get access to classified military intelligence | Obama Backs Extending Patriot Act Spy Provisions | US Federal Judge Tosses Telecom Spy Suits | Showdown in NSA Wiretap Case: Judge Threatens Sanctions Against Justice Department | NSA Surveillance Exploding, Americans Wiretapped Beyond Congressional Limits | Put NSA in Charge of Cyber Security, Or the Power Grid Gets It | Following [more...]

Date: 2009-09-23 20:03:31

Michael Moore: Interview of “Capitalism: A Love Story”

Thanks to Radical Eyes for suggesting this interview, which appeared on Democracy Now, and is available in audio.Guest: Michael Moore, Academy Award-winning documentary filmmaker. His latest film, Capitalism: A Love Story, opened in New York and Los Angeles yesterday. It opens nationwide on October 2nd.JUAN GONZALEZ: It was a year ago today when President George W. Bush gave a primetime address urging Americans to support the $700 billion bailout of Wall Street. [more...]

Date: 2009-09-27 16:29:27

Best Way To Improve Your Credit Score After Bankruptcy

by Jack Bronson The attitude towards bankruptcy is changing gradually today. As more and more people go for bankruptcy filings, it is no more looked at as something negative. When the debtor is unable to pay back his or her loans they go for bankruptcy filing. This is basically telling the court that he or she does not have any resources to payback one?s debts. Both individuals and companies are allowed to file bankruptcy in the federal court. [more...]

Date: 2009-09-25 14:16:12

AEI Interns’ Transcripts in Date Order: Their Own First Draft of History

First of all, I want to reemphasize everything Laurie just said. This is not a new threat, and this is not a threat we did not know about. Saddam Hussein has, in many ways, openly dreamed of mass death in the United States. He has shared his dreams with his nation and the world many times. We also know he has actively planned to do so many times, and Laurie’s book is a rather convincing argument that he is active and successfully implemented plans to do so as well. [more...]

Date: 2009-09-28 08:30:21

In The News Today

Jim Sinclair’s Commentary This is an article written by Ron Paul that fits in nicely with our discussion this evening on the USA’s need for China and if the Administration’s advisors can see that need is as critical as it is. The Wall Street types who have no economic plan for the USA even up to a year away cannot work with or even understand a nation whose planning goes out a century. All they want to do is sell them OTC derivatives. [more...]

Date: 2009-09-21 23:55:00

Home Loans - Repair Credit Errors in Three Days!

Most consumers are aware that a history of paying bills late or not at all can hurt one’s ability to obtain a loan. All financial transactions are recorded by three credit bureaus and offered to lenders upon request in the form of a credit report. That report contains the all-important credit score, which determines whether or not the borrower is a good risk for a loan. If you have a poor payment history, you could be out of luck when you try to obtain a loan. [more...]

Date: 2009-09-24 18:14:12

How To Obtain A Mortgage Loan Modification To Prevent Foreclosure

In today's economic environment, mortgage foreclosure hurts everyone. The homeowner's credit score is destroyed and, most importantly, they are forced out of their homes causing them to lose everything they put into the property. The homeowners' neighborhood loses as property values decline, crime rates go up, and the tax base evaporates. And the lenders lose because the cost of foreclosure is extremely high and they must report foreclosures as non-performing assets. [more...]

Date: 2009-09-28 15:17:38

Some Debt Relief Scams, Credit Relief Fraud, Detect Debt Relief Scams

by Lianne Gaines Individuals with rising debts can reap important benefits from debt relief programs. These programs are designed to help people who are drowning in debt. Yet, finding a program and negotiating the terms of the plans could affect each individual’s monetary condition differently. In order to free yourself from debt, you should pick a debt relief program that meets your particular requirements. For instance, debt negotiation is a common debt relief program. [more...]

Date: 2009-09-24 12:56:54

Bankruptcy Repair Strategy That Will Improve Your Credit Score

by Jack Bronson The attitude towards bankruptcy is changing gradually today. As more and more people go for bankruptcy filings, it is no more looked at as something negative. When the debtor is unable to pay back his or her loans they go for bankruptcy filing. This is basically telling the court that he or she does not have any resources to payback one?s debts. Both individuals and companies are allowed to file bankruptcy in the federal court. [more...]

Date: 2009-09-25 14:12:53

Qualifying for a Mortgage

With the $8,000 first-time homeowner’s tax credit deadline approaching, many people are still trying to get in on the deal. If you’re in this boat, don’t assume that just having a down payment is enough (even though it’s a big help). Applying for a mortgage involves a thorough check into your finances to see if you really qualify for a mortgage loan. This process takes time, and waiting to the last minute could cost you the tax credit. [more...]

Date: 2009-09-22 10:00:54

President Obama And Congressional Liberals Get An ‘F-’ On Economy

The bad economic news keeps rolling in this weekend as we learn a generation of young people may have permanent scars as a result of the failed liberal stimulus bill and its moronic reliance on government jobs programs to lift this nation out of the Great Recession: The unemployment rate for young Americans has exploded to 52.2 percent — a post-World War II high, according to the Labor Dept. [more...]

Date: 2009-09-27 15:27:01

In The News Today

Barrick and its OTC Short of Gold Derivative Obligations: I am asked constantly how Barrick can cover all their hedges. The answer is quite simple. Barrick does not have to buy one ounce of gold. You buy your way out of hedge contracts with paper money. The simple question is what does the long side want to release the obligation in light of future possible profits on the position? What a hell of a needlessly expensive mess. [more...]

Date: 2009-09-30 19:48:55

Bankruptcy Repair ? The Only Sure Way To Improve Credit Score

by Jack Bronson Bankruptcy has become something common these days. In has become a day to day happening as the fact is now understood by all. It is just a situation in which the debtor is unable to pay back the loan money to the creditor. Everything has become very simple. All that has to be done is to file bankruptcy in the federal court. Anyone, both creditor and the debtor, can do this. The creditor can demand more money from the debtor if he / she files bankruptcy first. [more...]

Date: 2009-09-25 15:07:29

Bankruptcy Repair ? The Only Sure Way To Improve Credit Score

by Jack Bronson Bankruptcy has become something common these days. In has become a day to day happening as the fact is now understood by all. It is just a situation in which the debtor is unable to pay back the loan money to the creditor. Everything has become very simple. All that has to be done is to file bankruptcy in the federal court. Anyone, both creditor and the debtor, can do this. The creditor can demand more money from the debtor if he / she files bankruptcy first. [more...]

Date: 2009-09-25 14:52:27

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

No surprise here; FBI and likely other federal agencies abuse the use of National Security Letters. Support the JUSTICE Act unless the Republicans can do better.

I have been railing against the Patriot Act (which is anything but) since its passage and I physically protested same back when AG Ashcroft visited Salt Lake City in circa 2003. Numerous provisions of that Act signed into law by the SOB (Son Of a Bush) were and remain egregious. The Patriot Act assailed our rights on so many fronts, not the least of which was broadening the use of National Security Letters (NSL). [more...]

Date: 2009-09-28 19:56:34

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]

Date: 2009-01-14 13:00:09

Credit Repair Can Make Your Life Stress Free

by Dina Salinas For most people, having bad credit would be like the end of the world. People rely on credit for even the simplest transactions in this modern world. If you have bad credit, then simplify your life with a credit repair that is within reach. If you’re having financial issues, chances are that creditors already know. They can tell by the way you handle your credit, the way you pay it, etc. For instance, if you are changing your credit pattern or taking cash advances. [more...]

Date: 2009-09-27 18:08:52

When you should use a credit repair agency.

September 22, 2009 | By Timothy Gates In Finance | by Timothy GatesI always tell people to fix their own credit and use a credit repair agency in last case. But there are times that you need to use a credit repair agency. If you credit have to many negative items or if you already tried to fix your credit on your own once without success. Now the reason for you to use a credit repair agency, is not because you can do it yourself but because a credit repair will do it in a faster manner. [more...]

Date: 2009-09-22 09:39:58

Debt Consolidation - What you will Need to Know

Amazon.de Widgets These days with the ever-increasing amount of personal debt spiralling out of control debt consolidation loans are becoming more popular.Making several different repayments to creditors each month can often becoming confusing and the odds of forgetting about one or missing a payment on one increase with the more outstanding debts you have.Consolidating debts into one easy loan means you only have one repayment to worry about each month. [more...]

Date: 2009-09-23 19:15:46

Credit Card “Debtors Revolt” Has First Success

The Federal Reserve “System” has led to a great downfall of a great country; our country, which used to be free, with liberty and justice for all.  That was before the Constitutionally contemptuous Federal Reserve Act of 1913, which flies in the face of law as written in Article 1 Section 8 of the Constitution where We The People ‘borrowed’ our authority, given to us by our creator, to the U.S. [more...]

Date: 2009-09-23 14:06:13

Credit Repair Can Make Your Life Simpler

September 25, 2009 | By Dina Salinas In Finance | by Dina SalinasHaving bad credit can be a nightmare for most, because we live in a world that is fast-paced, costly, and always requires credit. It goes without saying, credit repair can make your life simpler if you’ve had some problems with your credit.The manner in which you use the available credit at your disposal is plain for creditors to see when they check your credit score. [more...]

Date: 2009-09-25 12:07:32

Blocking, Tackling & Running: Leveraging a Crisis Into Real Change

There's a fairly well known cartoon of two scientists working out a problem on a chalkboard covered with complex equations and down in the circle is a little circle with the key step inserted in small print - "and then a miracle occurs". Wouldn't it be nice if we could take the same short-cut to fixing the horrendous shopping list of significant [more...]

Date: 2009-01-16 20:07:11

Media Matters: Conservative media peddle a raw deal

The conservative punditocracy that has spent the past eight years propping up a president who gave us an illegitimate war and leaves us with an almost unimaginably bad economic crisis apparently grows weary of defending this spectacular failure of a president. And so they have begun to shift their efforts to an easier task: trying to turn [more...]

Date: 2009-01-10 00:09:02

Simplify Your Life With A Credit Repair

Simplify Your Life With A Credit Repair by Dina SalinasHaving bad credit can be a nightmare for most, because we live in a world that is fast-paced, costly, and always requires credit. It goes without saying, credit repair can make your life simpler if you’ve had some problems with your credit.If you’re having financial issues, chances are that creditors already know. They can tell by the way you handle your credit, the way you pay it, etc. [more...]

Date: 2009-09-23 07:07:44

GWAS Latte Post

Your regular dose of Monday morning snippets to read, click and skip over with brekkie and a cuppa...Crunch month... and we're not talking Kellogg's ... shaping up as a crunch month for many families as Christmas credit card bills fall due, report Jessica Irvine and John Huxley in The Sunday Telegraph. Credit card company slashes limits! In a case [more...]

Date: 2009-01-11 20:00:00

The Shadow Gold Price

“The Shadow Gold Price” Paul Brodsky & Lee Quaintance run QB Partners, a private macro-oriented investment fund based in New York.” ~~~~ Conclusions: Spot Gold is fundamentally cheap versus its intrinsic monetary value by a factor greater than 10 Stocks are empirically very cheap versus the current quantity of paper money bank reserves [more...]

Date: 2008-12-10 13:00:25

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

LUNCH BREAK UPDATE

EDIT - Not really lunch anymore... this is what happens when my day happens....Work goes on, hours go by, and here I am... but will finish my "lunch" now to complete this post. ------------------------------- Because I know you have all just been dying to find out how I'm doing with my 1/2 Marathon Training, [more...]

Date: 2009-01-15 22:19:38

Economic Potpourri December 13, 2008

Once again news is flying out of every corner at record speeds. Here are a few headline news reports of interest from the past couple days ... in March than they are now. This is a bad decision by Citadel.Natural Gas Falls on Demand Concern After Auto Bailout RejectedNatural gas futures in New [more...]

Date: 2008-12-13 22:34:00

No end in sight

I feel bad for the next President with respect to our current economic prospective ... that it would “fix our economic woes” - a bailout that gave these financial institutions approximately 50% of the United States GDP, without any strings attached or requirements supposedly to “free up credit [more...]

Date: 2009-01-09 22:31:00

So here is a summary for cleaning up your

22 Sep, 2009In: Business So here is a summary for cleaning up your credit report so you can fix credit history. What will happen is if you continue to show on-time payments, they will continually be reported by the credit card agencies and that will improve your credit. I severely do grasp mortgage after bankruptcy. If you want to learn how to buy a home after bankruptcy, he shoots first start to learn how to fix your credit first. [more...]

Date: 2009-09-22 03:06:41

Loose Lips Daily: Recycle Your Campaign Signs!

As much local politics as humanly possible. Send your tips, releases, stories, events, etc. to lips@washingtoncitypaper.com. Good morning, and happy penultimate legislative meeting day. A special LL note to former campaign honchos: You have two days to remove all of your political signs from public space! [more...]

Date: 2008-12-02 14:03:26

Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... payment history and improve your ratio of debt to available credit. In sum do not wait to repair ... : For more credit repair tips or to read a review of Lexington Law a suggested credit repair service [more...]

Date: 2009-01-14 19:07:31

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

WaMu’s New $1 million 5-year 1% Balloon Loan (mod) - $878 Per Month!

1/5/09 - EFFECTIVE IMMEDIATELY - Modified Loans are Ineligible For Fannie/Freddie Refi’s, while FHA MAY Be Eligible ... for conforming loan financing.” All Sorts of Consequences This has all sorts of consequences ... . In my experience, most mods result in one of more of their definitions of ‘restructured.’ A restructured loan [more...]

Date: 2009-01-12 17:52:15

Credit Report Contents

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... to monitor his/her own credit profile, fix errors, and repair personal credit. About the Author ... ) there will be a credit inquiry to one of the bureaus. If you inquire for yourself, it will be on the report [more...]

Date: 2009-01-15 21:43:13

Recommended Free DIY Credit Fixing Website

My friend, Dean, has a website on how to fix your own credit. It’s pretty detailed because it’s what he did himself, for free, to fix his own credit ... . However, it can’t hurt if your score is a 750 to clean up the bad items on your credit report ... website for credit reports, not an ad or affiliate.) My advice is to do everything via fax so you only [more...]

Date: 2008-12-29 15:44:54

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

Transcript: President George W. Bush Final Press Conference - January 12, 2009

(Source: White House Press Office) 9:17 A.M. EST THE PRESIDENT: Thank you. Tapper. We have been through a lot together. As I look through the room, I see Jake, Mike, Herman, Ann Compton. Just seemed like yesterday that — that I was on the campaign trail and you were analyzing my speeches and my policies [more...]

Date: 2009-01-12 20:41:57

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