What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

Blog posts (141) | Videos (96)
 

Circuit City to close 567 remaining US stores

Circuit City, unable to work out sale of company, will close 567 remaining US stores Michael Felberbaum and Vinnee Tong Associated Press Bankrupt ... by this outcome.” The company had been seeking a buyer or a deal to refinance its debt, but the hobbled credit market and consumer worries proved insurmountable. Negotiations for an acquisition went [more...]

Date: 2009-01-16 20:40:40

Credit Repair Can Make Your Life Simpler

by Dina Salinas Having 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: 2009-09-26 12:54:46

Countrywide Home Loans is killing me

First a little history: November 16, 2007 I had major surgery and my employer let me go on my first week home on disability ... , and executive employment can be hard to find. I lived off credit for 9 months increasing my debt to a crisis ... yet they assigned the data to only one of the loans causing more delay (they kept saying [more...]

Date: 2009-01-17 20:06:52

Easy No Credit Check Loans

by Justin Finn No credit check loans are easier than one may think to obtain. For those of you with bad credit this may be the only type of loan that you will be able to get. You can get no credit check loans and rebuild your credit at the same time by paying it one time, every time. With these types of loans, bad credit does not affect your chances of getting the loan, nor does it hurt your credit rating as most of the time they are not reported to the credit agencies. [more...]

Date: 2009-09-29 17:16:25

Friday: “You MUST pay the rent!” “But I CAN’T pay the rent.”

Suburban Guerrilla has this visual depiction of the consequences of Simon LeGree’s wage policies over the past 4 decades ... through some liquid assets in order to get back on my feet before I saddled myself with credit card debt and I still think this was the right decision.  I only charge hotels and flights on my credit [more...]

Date: 2009-01-09 12:57:58

No Credit Check Loans

by Justin Finn No credit check loans are easier than one may think to obtain. For those of you with bad credit this may be the only type of loan that you will be able to get. You can get no credit check loans and rebuild your credit at the same time by paying it one time, every time. With these types of loans, bad credit does not affect your chances of getting the loan, nor does it hurt your credit rating as most of the time they are not reported to the credit agencies. [more...]

Date: 2009-09-28 19:06:42

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

Deadline’s today as O.C. property tax collection off $145 million

Deadline Day! First installment of the 2008-09 property taxes are due today. And if you haven’t paid yet — you are not alone! ... are also taking a ‘wait-til-the-last-minute’ approach, our collections are not as bad these numbers seem to reflect.” Rodenhuis notes another ominous trend for the overall economy: “Credit card [more...]

Date: 2008-12-10 08:11:03

Five Things That a Generation X Financial Planner Did, That You Can Too

This is a guest post from Jeff Rose, an Illinois Certified Financial Planner(TM) and co-founder of Alliance Investment Planning Group ... student loan and credit card debt at ease.  Luckily, I stumbled into a career as a financial ... students graduate with a combination of student loan and credit card debt. Most of us are just kind [more...]

Date: 2009-01-14 15:45:19

Late surge puts O.C. property tax payment up $141 million

Orange County’s Tax Collector reports that a late surge in payments has put the county $141 million ahead of last year’s property tax collections ... more days of heavy mail, too. Credit-card charges don’t clear until Monday. I’m very pleased ... all the economic turmoil? Chriss: Small business had it bad in 2006 and 2007. It was a stealth recession. [more...]

Date: 2008-12-13 06:54:44

Fishy

Got a call the other day from an unknown number so I let it go to voice-mail ( ... .  I haven't filled out an "application" for anything lately except a balance transfer for a credit ... out - at a "talent" company, thanking me for my application and asking me to call them back real soon [more...]

Date: 2009-01-15 20:25:02

Bailout Fatigue Sets In

attorneygeneral.utah.gov Just as troubled borrowers are poised to become the next likely recipients of government help, ... mortgage-loan modifications — the anger over bailing out borrowers has been growing. Taxpayers ... saying, ‘I didn’t buy a house I couldn’t afford. I didn’t take out a home equity loan [more...]

Date: 2008-12-09 18:38:11

Man loses $150,000 in Nigerian scam

A Leamington man has fallen prey to international scam artists who strung him along for more than a year with the ... . Rempel said he borrowed $55,000 from an uncle in Mexico and his parents gave him $60,000 on credit ... things will work out, but it doesn’t. It’s a very bad feeling. I had lots of friends. “I never [more...]

Date: 2009-01-17 04:25:04

The Breakdown of the World Money Machine

A bad year…and 2009 doesn’t look much better…the worldwide financial crunch is affecting everyone… 2008 will go down as the worst year for investors ... s the first priority. I have to feed them…and buy medicines and fertilizers…even though nobody is buying ... money because they can’t get good prices for their cows…and can’t get credit from the bank [more...]

Date: 2008-12-30 20:49:57

Green Your City Breaks

When you think of eco-travel, visiting the world’s biggest cities is not usually what springs to mind. You might think of volunteering on an organic farm, camping in a yurt or tipi in the Welsh valleys, or staying in an eco-lodge in Australia’s Daintree rainforest. But a weekend trip to New York, Paris or Melbourne? Not so much [more...]

Date: 2009-01-13 12:00:54

Things to Consider If You Can't Afford Your Payment

I read a lot of the info. you have on your web page ... thank you. I don't live in San Diego so I'm not looking for a home. What I am trying to decide is whether to sell or refinance. I live in DELETED. My mortgage payments are now approx. $2,400. I cannot afford to refinance into a fixed rate mortgage or interest only [more...]

Date: 2008-12-28 15:23:29

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]

Date: 2009-01-15 03:41:35

Pocket Profile: The Finance Buff

This week we spoke with The Finance Buff. His blog was named the Best Finance Blog for People Ready to Save or Invest by the CEO of Wesabe ... percentile! Credit Card Debt: None. Top percentile! What are your two favorite financial products? Why ... : Greater than 90% of Americans. Rent/mortgage: 34% of Americans pay more in rent. Credit Score: Don’ [more...]

Date: 2009-01-15 17:07:27

Buying a House - Can Anybody Do It?

Anybody can buy a house. There are several ways: you may need to fix your credit to get financing, or find a real estate investor to buy a house ... that there is no way you can afford it. It could be crushing blow. This could lead to bad feelings ... and bills. You need to know the amount of money you have to make payments on a home. Remember [more...]

Date: 2009-01-17 10:30:29

2007 Vs 2009

“The 14 Biggest Differences Between Investing NOW & Investing Pre Dec 2007” ... shortfalling properties, low yields and bad credit scores 2) Pre 2007: People were talking about growth ... in this 14) Pre 2007: Mortgage rates would change slowly, incrementally & infrequently. Cred [more...]

Date: 2009-01-16 14:06:40

Polyamory

“Perhaps our greatest acts of violence are reserved not for those experiences that are most foreign to us but for the ones that are closest to the ... can lead to plenty of hurt when they go bad, and it seems reasonable to assume that polyamory could ... getting hurt is that they’ve had some bad experiences in the past and haven’t fully recovered yet [more...]

Date: 2009-01-03 05:45:18

Shock & Awe! - NOI Gets Bombed

Noah and I have been talking ad nauseam about the imminent threats to the New York City land market, ... of the tentacles of the credit debacle going back quite a stretch. We opined over and over that job losses ... of the bad news, but sprinkled in with the positive sound bites are some honest comments [more...]

Date: 2009-01-09 00:25:02

Top 10 at 10: MAF warned last year (by Carter); PGC and Jacks Point; Norris attacks Kiwibank; Dilbert

Here are my top 10 links from around the Internet over the last couple of days. My apologies to regular readers disappointed by the non-appearance of the Top 10 at 10 yesterday and today’s late appearance. I was simply swamped with the news, tips and interviews from the Crafar story, where the wider economic and financial implications are now becoming apparent. [more...]

Date: 2009-10-01 00:26:58

Why Starting a Business in a Bad Economy Is a Great Idea

By now, you’ve probably heard all the warnings about operating a business in the current economic climate ... m going to give you reasons why not only operating, but starting, an online business in a bad economy isn’t such a bad idea… Low relative costs Let’s not dance around this fact: your brick [more...]

Date: 2009-01-15 17:10:54

Spare part

the nasty side of human nature a few days ago, it is only fair that I redress the balance when I am reminded of the good side of people ... and adult gripesIt wasn’t just the credit crunchThe blunder of WoolworthsIdentity crisisThe beginning ... who have spoken to me about Woolworths have blamed the credit crunch and / or the government for the demise [more...]

Date: 2009-01-15 00:44:08

Why You Should Never Live On Cash

From Now On, You’ll Learn To Live On Cash If you’ve ever watched the show, Till Debt Do Us Part, then you’ll know that the host, Gail Vaz-Oxlade, ... or parents will tell you the same thing - Credit Cards are bad, learn to live on cash. While this maybe ... Cost You Money Whenever possible, I will charge everything I buy on a Credit Card. The main [more...]

Date: 2008-12-30 00:19:00

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

GBTV #484 | GeekBrief.TV

Shownotes: After we quit our day job at Extra Space to do Geek Brief full time, we moved to the familiarity of our home town ... you!) On the flight back home, we decided to go forward with our dream to buy a bus and travel to all 50 ... disasters. We got great advice from them about buses and got serious about buying one. At the time [more...]

Date: 2009-01-05 02:51:59

The Year in 2008 PE-Backed Bankruptcies

Jennifer Rossa, of Private Equity Analyst, files this look back at some of the more notable bankruptcies of buyout-backed companies and some of the ... and wiping out some $650 million of Apollo’s equity. The home products retailer originally planned ... issues they raised that we can expect to see again in the coming months. Private Equity Analyst [more...]

Date: 2008-12-29 15:13:15

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

“We can put light where there’s darkness, and hope where there’s despondency in this country ... S. Bernanke, chairman of the Federal Reserve, laid out the latest terrifying news: The credit markets ... easy credit, consumers who took on mortgages they could not afford and Wall Street chieftains [more...]

Date: 2008-12-21 16:01:46

When will housing bottom?

I saw a chart in the european WSJ today on my flight to Berlin that showed housing sales are now lower than they were 20 years ago and with the ... spectrum). If its costs $2000 per month to rent a home for your family and the same home can be bought for $200,000, then it might cost less to purchase the home than rent it. And even if the bad [more...]

Date: 2008-12-24 11:22:24

A very stupid stimulus bill?

Why not just be honest and say that the stimulus bill is simply a chance to pass a lot of government policy changes? ... tax credit for each new job created by private companies.Another key priority of the new administration was preserved, though. The summary calls for a tax credit of $500 per worker and $1,000 per [more...]

Date: 2009-01-16 02:12:00

Is the other shoe about to drop?

According to a December 14, 2008 segment of 60 Minutesentitled “The Mortgage Meltdown, ... is that most of the air has already leaked out of this bubble, but the bad news is that another, perhaps ... option ARM” mortgages. (See below for a brief explanation of each.) Credit Suisse estimates [more...]

Date: 2009-01-16 23:43:00

Former TV news presenter Ed Mitchell on how alcoholism and debt left him sleeping rough

Link:http://www.guardian.co.uk/lifeandstyle/2009/jan/15/question-time-ed-mitchellHannah Pool Former ITN television news presenter Ed Mitchell, ... . It was thousands and thousands of small, subconscious bad decisions, influenced mostly by alcohol ... been juggling what must have been 25 credit cards to keep things going.How did you get to 25 cards [more...]

Date: 2009-01-16 08:14:00

Relaxing Over the Weekend

Relaxing Over the Weekend » By Brainey on Jan 17, 2009 in Entertainment | 0 Comments ... of putting extra money down on our credit card debt.  But since we missed the opportunity to celebrate ... , but I will have to try and find the time to check out things on the computer when she isn’t looking [more...]

Date: 2009-01-17 16:34:53

Trends for 2009: Charles Hugh Smith

p2pnet news view Freedom | P2P:- “Oh you lucky, lucky Boing Boing readers,” says Richard Metzger in a guest post, going on: “I have a gift and I think it’s pretty special: For those of you unaware of the work of Charles Hugh Smith you are about to meet one of the finest thinkers and writers in America today [more...]

Date: 2009-01-02 18:04:29

5 Best and Worst Addictions to Cultivate During 2009

Sour economic times surface the uglier facets of human nature: Crime, penury, and addictions. We’ll all feel the need to soothe away the pain of collapse for the foreseeable future. Luckily, there are beneficial ways to play out pain-induced compulsions–and less productive ones [more...]

Date: 2008-12-29 12:51:15

Satan Has A 350 Credit Score

By John Rasor indulgence, greed and envy can take over and send your credit in a downward spiral. The lowest credit score you can have is a 350 ... , gluttony and being a debtor with outright disrespect to the creditor can earn you a bad credit rating. I have personally never seen a 350 credit score but supposedly they do exist. If you have bad cred [more...]

Date: 2009-01-16 22:01:48

Clearing Out the Overbuilding Hangover in California

Patrick S. Duffy is a principal with MetroIntelligence Real Estate Advisors, a division of Beacon Economics. He has been working in the home building industry for 20 years. He’ll be contributing regular analysis of the market in California for the Developments blog. (Read his full bio.) [more...]

Date: 2009-01-15 11:05:00

50 Ways to Budget Travel and Save Money on Vacations

Wouldn’t you want to travel more often without breaking the bank? What if I told you that instead of planning one family trip a year, you can go twice with the same budget? If you are at all interested, read on to find out how you can do simple things to save money next time you go on vacation! Airfares [more...]

Date: 2009-01-15 14:00:17

Real Estate investing and bad credit reports

by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit reduces the opportunities of these things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]

Date: 2008-12-25 10:33:44

Renting Beautiful Homes

Many people have beautiful homes because, over the years, they have added so much to their homes because they love the homes so much ... because they do not have good enough credit to get mortgages and it may be your only solution ... . The problem is, right now, the real estate market is very bad and a home there was bought years [more...]

Date: 2009-01-17 20:18:29

These Latin American Countries Will Thrive In 2009

The brutal market sell-off in emerging markets has led many to doubt their importance in the global economy. But Horacio Marquez says the ‘right’ countries in Latin America will thrive in the New Year. Top of the class is Brazil, but Horacio also sees good opportunities in Chile and Mexico [more...]

Date: 2008-12-15 12:34:10

A gentle introduction to Unqualified Reservations (part 2)

We have swallowed the red pill, which now makes its way to the stomach. The coating dissolves. The rotor spins up and the device begins to operate. Inside, the sodium-metal core remains intact.And we begin the treatment. Again, our goal is to detach you - by "you," of course, [more...]

Date: 2009-01-15 11:44:00

Do Over

Okay, so. Usually I have pretty pictures here for y’all.  I have some today, too, but they’re on my phone, and apparently, when it’s going to be a Very Bad Day, one of the things I do is forget my phone charger in Iowa when i’m a bazillion states away [more...]

Date: 2009-01-16 04:24:59

In Dreier Saga, Filings Describe “Devastating Effect” on Dreier LLP

Getty Images PURCHASE, NY - JUNE 30: ... that a credit revolver and term loan extended to the firm are in default, as of November 1, upon ... of New York City law firm Dreier LLP, had been arrested and charged in Canada for impersonating another [more...]

Date: 2008-12-10 14:18:51

Guinevere will now have less money

When I was in 11th grade, my English teacher, who we'll call Mr ... of not needing to pay back student loans. This same job ... in college, and I credit (or blame, depending on how you look at it) Mr. Z for that. I've always [more...]

Date: 2009-01-14 08:16:36

The Effect Of Credit Card

by Mike Carbeck If you’re looking to get a credit card, be sure to go over the terms with a fine-toothed comb ... card while you’re in debt is a bad idea, as it will likely only lower your credit rating, making ... . If you don’t understand the financial details of the credit card offer, you are risking [more...]

Date: 2009-01-14 11:03:30

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