New Year, Better Credit Score: Post 3

stockxpertcom_id12723501_size0-743295.jpg So FICO has branded you with a not-so-desirable credit score and you have made the resolution to bring ... month.  Remember also, not all debt is bad.  Items like mortgages and car loans on your credit report ... and see if they will take the late payment off so it doesn’t show up on your credit report [more...]

Date: 2009-01-10 15:55:57

Blog posts (331) | Videos (273)
 

Terry Andrews on "Changes for US Foreign Policy?"

nq77gy5g671mn6ge Piano Chords http://7.mixkkyb.com/3d Elegant Wholesale Home Decor http://4.sypxhqvgw.com/18 Pikes Peak Council http://1 ... ://0.frejnuzz.com/21 Wedding Phrases http://9.uslrjsvkd.com/n Bad Credit Commercial Mortgage http ... http://6.iqyudjo.com/1f Obra In Health Care http://9.bhbtdrcj.com/2m Yamaha Golf Cart Dealers In Ga [more...]

Date: 2008-12-09 23:13:58

Refis

On the eve of the closing for my refinancing, I notice this from the W$J: ... their monthly mortgage payments on account of the fact that they have bad credit. Wouldn't ... can't meet the credit hurdles and won't get approved. My friend and mortgage broker told [more...]

Date: 2009-01-15 16:42:15

Save My House

Save My House There is an attorney-based loss mitigation company with over 20-years of in-depth experience with foreclosure laws ... hardship that makes paying their mortgage impossible We can even help homeowners who have: Bad credit ... Every reason that disqualified a borrower for a refinance qualifies them for a loan modification [more...]

Date: 2009-01-15 13:55:19

Homes vs Stocks

So whats the difference between being underwater on a mortgage and underwater on a stock ? ... to live somewhere. On top of everything, my credit was bad enough, I didn’t want to make it any worse ... and then explain that those with homes worth less than their mortgages shouldn’t feel bad about breaking [more...]

Date: 2008-11-11 20:57:20

Andrew W. Smith: How kinder, gentler lending caused the Panic of ‘08

Blogger Andrew W. Smith lives around Tulsa, Oklahoma, but has deep roots in Nova Scotia ... ." Sloganeering has been a handy stand-in for understanding of this credit crisis. "Crony capitalism," "neocons ... which had approved that bad mortgage was not much bothered by the borrower being a bad risk, so long [more...]

Date: 2008-10-23 07:01:01

Liens

If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

Residential Mortgages (part 1)

Donna Elizabeth Lewczuk asked: a residential mortgage in today’s market can seem like a daunting task ... lending institutions, even for those with bad or less than perfect credit. There is also often ... or not you are self-employed and have verifiable income or if you have a bad credit history will also determine [more...]

Date: 2008-11-18 15:54:42

Socialism Is Everywhere

by hilzoy In a stunning reversal, John McCain today endorsed the redistribution of wealth: " ... do, and that's go in and buy out these bad mortgages, give people mortgages they can afford, stabilize home values and start ... : "He will commit a $5,000 tax credit for each and every customer who buys a zero carbon emission [more...]

Date: 2008-10-29 05:48:29

Leituras

“The Goal Is Freedom: Theory and Crisis” de Seldon Richman What might be even more distressing than the current buildup of the corporate state in ... banks’ bad mortgage-backed securities, it will inject liquidity into the credit markets and improve ... through promotion of easy home-buying and implicit guarantees to lenders and underwriters, including [more...]

Date: 2008-10-13 08:43:21

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

What is a second mortgage?

For many of us, money can get tight every now and then. We have felt the pinch, and many are feeling it now ... is repaid in a single reduced monthly installment. No matter how bad one’s credit history is, getting ... for you.  A second mortgage refinancing not only gives convenience, but also saves you money. [more...]

Date: 2009-01-14 04:24:16

'Islamic Finance' Spreads to U.S. Heartland

DETROIT: Big financial institutions have been battered by mortgages gone bad ... , credit default swaps and the like. "When you look at the economic crisis we're in, if you were to follow [more...]

Date: 2009-01-15 13:23:00

Mortgage Loans

There are times when we were not able to fulfill our dreams at the right time ... and it is very vital to move a single day in this planet.Many people with bad credit are affected by financial problems a lot.Since most lenders will not sanction loans for people with bad credit [more...]

Date: 2008-10-15 00:28:17

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

Bailout Passes Senate

Senate votes 74-25 to approve the measure in a dramatic desk roll call vote. The infamous twenty-five are listed here ... highway caused by bad mortgage loans,” Alexander said. “This should get economic traffic moving again and restore confidence so that Americans can get auto, student, mortgage, business, and farm credit [more...]

Date: 2008-10-02 02:31:10

Bryan Ellis On Subject-To Real Estate Investing: 7 Big Problems

Bryan Ellis On Subject-To Real Estate Investing: 7 Big Problems Posted By Bryan Ellis on @ 1: ... ever wanted a way to buy an unlimited number of properties without using your own credit ... to the seller’s mortgage, but it’s a very bad policy to give a seller this impression. Instead, make [more...]

Date: 2008-12-01 13:46:57

TOPWRAP 1-More economic pain seen in 2009, govt’s to pump up aid

Investors said good riddance on Wednesday to one of the worst years on record and prayed that massive government rescue plans will pull the global ... -term as bleak economic reports roll in, signalling more bankruptcies, bad debts and layoffs through ... struggling to pay off mortgages and credit card bills. “It has been a shocking year, hardly anything [more...]

Date: 2008-12-31 05:44:34

BREAKING: Washington Mutual seized by feds, biggest bank failure in US history

WSJ:In what is by far the largest bank failure in U.S. history, federal regulators seized Washington Mutual Inc ... after it got caught up in the booming part of the mortgage business that made loans to people with bad credit, known as subprime borrowers. Troubles spread to other parts of WaMu's home loan portfolio [more...]

Date: 2008-09-26 02:41:42

FHA Mortgage Lenders

Applying for a home loan for first time mortgage borrowers can be a daunting and treacherous task ... from a lender to a FHA. If we have bad credit, no credit, or simply not sufficient income to put ... . An alphabet soup family of difference is used: FHA, HUD, VA, and some-more can report a loan [more...]

Date: 2009-01-14 13:31:28

Obama on McCain on buying up bad mortgages

Here’s Obama’s response to McCain’s mortgage buy-back proposal: Senator McCain and I had a chance to talk about this the other night in Nashville ... those loans to make a quick buck. We have to act to fix our broken economy and restore the credit ... with the financial crisis, and that was to have the government – meaning taxpayers – buy up bad [more...]

Date: 2008-10-10 12:44:04

You know, maybe “vulgar” libertarians have a point on this one?

By Thoreau I don’t claim to understand all of the intricacies of the mortgage crisis, ... directly or indirectly through various financial instruments) the risk of too many bad mortgages ... , and then it will be harder for people to get credit, whether for consumption or starting new businesses or going to school [more...]

Date: 2008-09-24 04:27:15

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

Small US bank goes Islamic, rides storm

Small US bank goes Islamic, rides storm January 16th, 2009 Signs of things to come? Kuwait Times: Big financial institutions have been battered by mortgages gone bad. But a tiny ... out some of the activity that got Western finance in trouble - subprime mortgages, credit default [more...]

Date: 2009-01-16 16:12:27

Associated Press Shills for Shari'a Banking

Associated Press Shills for Shari'a Banking The year is just two weeks old, ... have been battered by mortgages gone bad. But a tiny Michigan bank is getting attention in the industry ... in trouble — subprime mortgages, credit default swaps, and the like. "When you look at the economic [more...]

Date: 2009-01-17 16:10:33

Iowahawk Debates: the Credit Bailout

The subprime mortgage crisis rocked Wall Street again last week, ... like Dave Burge lied to us about their credit histories and collateral, and now we are stuck with bad ... , IOWAHAWK Linda, we both know that credit is the lifeblood of the American economy. But today [more...]

Date: 2008-09-24 15:32:37

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]

Date: 2009-01-01 10:19:52

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]

Date: 2009-01-06 08:22:54

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]

Date: 2009-01-05 15:03:54

Obama Proposes Moratorium on Foreclosures

While Senator John McCain is urging the government to buy bad home loans, ... against foreclosures and an $800 mortgage tax credit per year for homeowners who fail to itemize ... , the Hope for Homeowners. The program encourages homeowners to apply for refinancing [more...]

Date: 2008-11-14 13:02:58

Concerns Of Home Buyers

by James Weekson There are many who want to purchase a home, but are scared after hearing all of the talk about how nobody is lending money and for people with a bad credit rating that of course means there is no way of obtaining a mortgage. First of all, there will always be a company around that will lend money and even though high end banks often restrict the amount lent out and to whom they lend money to, there are always other options available. [more...]

Date: 2009-09-27 17:36:13

Mortgage Chatter for the last day of July: Covered bonds, Pres. Bush signed the bill - now what?

“People need good lies. There are too many bad ones.” So chimed in Kurt Vonnegut ... . of Colorado. Mercury’s lenders pulled their line of credit after Mercury failed to meet loan requirements ... if the mortgages go bad, the bank must step in to ensure that bond holders get their interest. Put another way [more...]

Date: 2008-07-31 12:19:55

9 Dividend Stocks At Risk From Pension Plan Deficits

Lynn Carpenter says pension fund deficits could be a major threat to dividend payments ... ’s hand wringing. Because just when you thought the financial news had exhausted all the bad stuff ... this year. It has nothing to do with mortgages or credit markets - it’s about pension funds in trouble [more...]

Date: 2008-11-07 13:51:33

Concerns Of Many Home Buyers

by James Weekson There are many who want to purchase a home, but are scared after hearing all of the talk about how nobody is lending money and for people with a bad credit rating that of course means there is no way of obtaining a mortgage. First of all, there will always be a company around that will lend money and even though high end banks often restrict the amount lent out and to whom they lend money to, there are always other options available. [more...]

Date: 2009-09-28 07:45:51

Man Feels Opportunities Credit Union Screwed Him Over For $125 []

This will come as a serious blow to a number of our commenters, but we have a bad story about a credit union. Gasp, shock, horror, it's true ... Credit Union accessed the bill. Whoopsies. Here's Rick's letter to the Credit Union president, asking ... . Opportunities Credit Union of Vermont, where reader Rick has his mortgage, told Rick [more...]

Date: 2008-09-12 20:47:02

Consider loan payment protection insurance

Consider loan payment protection insurance January 9th, ... taken into account when you apply for any type of credit whether it is a loan, mortgage, credit card ... have to be maintained regardless of the fact of whether your circumstances change. The bad news [more...]

Date: 2009-01-09 06:57:30

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

USA: Finance the Islamic way at Michigan bank

DETROIT (AP) — Big financial institutions have been battered by mortgages gone bad ... also rules out some of the activity that got Western finance in trouble — subprime mortgages, credit [more...]

Date: 2009-01-14 17:04:00

Bailout Nation: "If we bail out Detroit, where do we stop?"

The unprecedented government takeover of Fannie Mae and Freddie Mac has ushered in a new era of government intervention in corporate ... is a bad credit risk -- the corporate equivalent of a subprime borrower looking for a huge mortgage ... billion in low-interest loans, the L.A. Times reports. There are also whispers on Wall Street [more...]

Date: 2008-09-11 00:30:25

Finance the Islamic way at small US bank

DETROIT: Big financial institutions have been battered by mortgages gone bad ... also rules out some of the activity that got Western finance in trouble - subprime mortgages, credit [more...]

Date: 2009-01-14 12:54:00

U.S. Government Should Publish All Mortgages It Buys

It appears that the United States government is going to purchase hundreds of billions of dollars worth of bad mortgages in an effort to prevent the ... -- affected directly by failing mortgages, decreasing home prices, and the accompanying social problems ... of the Bear Stearns High-Grade Structured Credit Strategies Master Fund. This fund is a classic [more...]

Date: 2008-09-24 22:11:26

Help a Reader: Money Trouble

Here's a question a reader recently left here: My job closed up I worked for 25 yrs. My new job, I took a $15,000 pay cut a year ... my mortgages on time and never late on card payments, credit score of 735 and a ratio of 95-100%. I’ ... . I'm a single dad, divorced for 7yrs, raising my two kids on my own. Stuck in bad mortgage where [more...]

Date: 2008-09-29 19:45:22

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

$700 Billion for Disastrous Financial System Bailout

Bush is seeking $700 billion to buy “bad mortgages” in the largest bailout in history ... they are truly worth, drying up markets for mortgages and resulting in “frozen” credit markets. But even [more...]

Date: 2008-09-20 16:53:01

Topics In First Time Mortgages Explained

Topics In First Time Mortgages Explained Posted By Chris Channing on @ 11:30 pm by Chris Channing When it comes time to buy a house or vehicle, ... locations. Having a bad credit score often hinders many from even attempting to obtain a mortgage loan. This shouldn’t be a deciding factor, since many lenders these days expect most to have a less [more...]

Date: 2008-10-21 04:30:38

Explaining the financial crisis to a nation of third graders

They're sure talking about "root cause" a lot these days in Washington, though, with only a few exceptions such as Ron Paul (R-Texas) ... assumption that home values would continue to rise, led to excesses and bad decisions. Many mortgage ... or not the U.S. financial system is so fundamentally flawed - based on a credit expansion which [more...]

Date: 2008-09-25 04:20:00

2nd Mortgage Rate

2nd Mortgage Rate August 12th, 2008 Subscribe To Our Feed Do you own a home? ... . Applying for a home equity loan can be quick and painless. Even with bad credit, it may still ... or to purchase a car? Right now, mortgage rates are at the lowest they have been in decades [more...]

Date: 2008-08-12 14:23:58

Lala Land

Blink and you may miss another government bail-out, loan guarantee, federal plan to alleviate a bad or unwise mortgage, a suggestion for more government funds for a more aggrieved constituency, or credit-card relief ... that there were no Americans who chose to rent until they could pay a suitable sum as a down payment, or bought [more...]

Date: 2008-12-16 00:47:41

Waldman On Thinking Clearly About Expenditures & Investments

Last week we ran a post displaying several graphs of the 2008 bailout vs other government projects ... a security derived from a mortgage or credit card loan made two years ago.” Click Here To Read Steve ... of the credit crisis? Risk or Conservative BehaviorPaul Krugman’s Thoughts About ThinkingGood and Bad [more...]

Date: 2008-12-03 16:00:36

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