Your Credit Report Card

Mark Frauenfelder is the co-founder of my favorite sites, Boing Boing (which is a “directory of wonderful things”). Mark’s also a GRS reader. He dropped me a line the other day to tell me about a new project he’s been following. Today, Credit.com is launching a free new online financial tool called Credit Report Card . This tool is designed to provide users with a quick snapshot of their credit reports. [more...]

Date: 2009-09-29 18:00:31

Blog posts (242) | Videos (341)
 

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

Consumer Focused Carnival of Real Estate

September 30th, 2009 The guidelines for this carnival . As always, I arranged the entries that met guidelines into three levels, based upon originality, usefulness to the consumer, and how much thought and effort and research went into an entry. STRONGLY RECOMMENDED We have an Editor's Choice! Four Pillars talks about Pocket Listings . A pocket listing is where the listing agent keeps the listing "in his pocket" rather than putting it on MLS. [more...]

Date: 2009-09-30 13:50:49

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

Bad Credit Car Refinance Options

Your bad credit car refinancing is very easy to do if you act fast after first getting your loan. Once a car loan drops below about 8,000 dollars, it is hard for even people with great credit scores to find refinancing options. Although, when car loans do drop below that 8,000 dollar mark, there are alternative methods of refinancing available so that all monthly bills can be lowered into a range that can be paid easily if income drops unexpectedly. [more...]

Date: 2009-09-29 17:57:47

The Complete List Of Round 2 Magnificent 7, Head To Head

10 Frugal Steps To Help You Survive A Tough Economy by Digerati Life A buyer’s right to do “an additional inspection” by Ardelle DellaLoggia Click ... BUYERS by Roberta Murphy  Credit Scores - Why Your Number Matters by Salt Lake Real Estate Blog: 10 Laws of Moving for Aging Parents and Their Families by Real Sage Advice How a Buyers Agent Can [more...]

Date: 2009-01-16 19:06:17

Has anyone else noticed that if you’re a football manager and you wear a headset, you’re probably a failure? At the very least a huge dork. Anyway, second half about ready to kickoff but first these messages from Free Credit Report dot com and Notorious….Jay Simpson had another good game for W.B.A. in their rout of Boro today. I love [more...]

Date: 2009-01-17 18:23:24

Your Credit Report Scores And Your Future

by Andy Zain In our credit based world, you need to know how to manage your credit report scores effectively and accurately. Information on your reports is reflected in a score, and often when you are applying for a car loan or even just setting up your utilities in a new place the company looks at the number and makes a decision from there. We all know that a poor credit score can prevent you from getting the car or the home that you want. It can cost you in other ways as well. [more...]

Date: 2009-09-26 08:27:25

Need Info About Credit Cards – Read this Publication

When you are looking for a credit card offer you probably want something that will correspond to your needs, not something that is most advertised and popular. Different people have different lifestyles and spending habits, and they want different credit cards which will help in various life situations. If you like travelling or if you just travel a lot make sure you find a credit card offer that provides special bonuses which will considerably enhance your journeys. [more...]

Date: 2009-09-30 10:17:59

Mortgage Delinquencies Rising – Analyst Blog

Two of the main banking regulators, the OCC and the OTS, jointly released data on mortgage performance in the second quarter today, and the news was not good. The report covers 34 million individual first mortgages totaling about $6 Trillion. All types of delinquencies were up, but most distressing was the information about serious delinquencies, or mortgages that are more than 60 days past due. They reached 5.3% of all mortgages, up from 4.7% in the first quarter, an increase of 11.5%. [more...]

Date: 2009-09-30 20:08:12

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

Avoid the Freshman Financial Fifteen

College students have a lot to deal with: New classes, new surroundings, new friends, and adjusting to a new lifestyle away from home.  It’s easy to get wrapped up in the college scene and forget to take care of your finances, but making good decisions early will pay dividends later.  Here are fifteen financial missteps often made by college students and strategies to avoid them. [more...]

Date: 2009-09-30 15:10:57

Reinventing America

America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]

Date: 2009-01-13 09:40:59

Refinancing Your Mortgage With Bad Credit

by Chris Bird So many people are trying to refinance their mortgages today. A lot of people are doing this because they have lost their jobs and are getting less income. The income from unemployment is only a certain amount of what your income is when you are at work. The only problems with trying to refinance mortgage with bad credit is that they are getting turned down either due to lower income or due to having bad credit. Unfortunately, a lot of people have bad credit and can’t get a loan. [more...]

Date: 2009-09-28 13:05:49

Credit score secrets REVEALED

by Ty Crandall Your 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 is designed to help you understand each individual component of your credit score. For even more details on the credit scoring system you can see this article in its entirety at www.PerfectCreditFast.com. [more...]

Date: 2009-09-27 15:13:21

Why would anyone buy a home today?

From MarketWatch: Home buyers advised to look before they leap Fox-Pitt Kelton home-builder analyst Robert Stevenson said Wednesday he thinks this year will turn out to be “a bad time to buy a home” as the U.S. economy loses more jobs ... or no down payment and shaky credit scores are long gone. For buyers, the big fear is purchasing [more...]

Date: 2009-01-07 18:21:09

How Do I Get My Government Credit Report?

How Do I Get My Government Credit Report? by Andy ZainUnder the Fair Credit Reporting Act, you are entitled to ask for, and receive, a free copy of your government credit report once a year. The FCRA serves to promote accurate information, held in privacy, by consumer reporting companiesContained in your credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. [more...]

Date: 2009-09-26 12:05:50

Bailout Scorecard: Giving Thanks

The bailouts keep on coming. The Federal Reserve is busy introducing plans to support the asset-backed securities market, ... that their off-balance sheet funds held scores of bad debts, and they wanted to find a way to offload ... , for the betterment of everyone. Bear Stearns After the company’s stock slumped and its credit-default swaps [more...]

Date: 2008-11-26 10:42:00

Tennessee women to celebrate Day of “Free”dom

Nashville Convention Center transforms into state’s largest life support system for women ... , you can try Laughter Yoga, repair a toilet, take care of all those nagging financial obligations (like setting up a living will, a serious budget and a plan of attack to improve your credit score [more...]

Date: 2009-01-14 18:00:45

Applying Online For Bad Credit Loans

Applying Online For Bad Credit Loans by Chuck LageBad credit is something that most of us have to deal with today. At some point in life you may end up running into some trouble that requires some extra money. Those who have bad credit scores are now able to get the cash that they need without a lot of hassle. Bad credit loans have recently been introduced and there are a few things that you need before you get started. [more...]

Date: 2009-09-27 13:04:19

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

Choosing The Right Bad Credit Loans

Sep 27th, 2009by Chuck Lage. by Chuck LageBad credit is something that most of us have to deal with today. At some point in life you may end up running into some trouble that requires some extra money. Those who have bad credit scores are now able to get the cash that they need without a lot of hassle. Bad credit loans have recently been introduced and there are a few things that you need before you get started. [more...]

Date: 2009-09-27 12:46:25

The Secrets behind the FICO Score

by Ty Crandall Your credit score is the most important number in your life. How much you pay for car and health insurance, car payments, your rent and mortgage payments, house utilities, and even whether you get hired for a job or not, are ALL based on your credit profile and credit score. This article will help you understand each component of your total credit score. For more details on your credit score you can see this article and more at www.PerfectCreditFast.com. [more...]

Date: 2009-09-28 13:26:56

TCI

To read any post together with all comments posted to it by readers, just click on its headline in the right-hand panel under “Archives”. Clicking on a picture will enlarge it for easier viewing. Turks and Caicos Islands Commission of Inquiry. The inquiry ordered by the Foreign Affairs Committee into allegations of corruption in the TCI [more...]

Date: 2009-01-16 20:38:00

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

Victoria Strauss -- Why You Shouldn't Write for Essay Mills

I get a fair number of questions from writers wondering whether essay mills are legitimate freelance markets. My response: Caveat writer. Big time.What's an essay mill? A website where customers can buy term papers, research papers, and/or dissertations, and writers can (theoretically) be paid for writing them. There are scores of these sites [more...]

Date: 2008-12-11 17:15:00

Deal with Credit Before Divorce

by Rob Kosberg When you are about to file for divorce, you know that this is a horrible experience no matter how much you want to do it ... . Legal advice may help with this. Finances should be worked out, if at all possible, before the divorce is completed. Credit reports for each partner need to be secured, examined and fixed [more...]

Date: 2009-01-17 22:06:48

The Brakes Are Not Working In California

The LA Times reports from California. “A record 10% of the nation’s mortgage-burdened homeowners fell behind on their loan payments or were in foreclosure during the third quarter, according to a survey released Friday by the Mortgage Bankers Assn., which said California and Florida were the biggest contributors to the worsening picture [more...]

Date: 2008-12-06 18:15:59

Hillary Clinton Re-Imagined

Hillary Clinton Re-ImaginedHillary Rodham Clinton will serve in a non-partisan role as secretary of state, which may provide her an opportunity to recast her legacy.Hillary Rodham Clinton's confirmation hearing today in front of the Senate Foreign Relations Committee marks a turn in the legacy of a family that has dominated Democratic politics for [more...]

Date: 2009-01-13 20:05:21

The Garrett, Watts Report (September 30, 2009)

    To Our Clients, Colleagues and Friends, What would be better, (a) having one $40 million warehouse line with Bank of America, or (b) having $25 million with the Bank of America and $10 million with Comerica or Flagstar?  Even though (a) is for $40 million and (b) is for only $35 million, we’d probably recommend option (b).  Having two lines is almost always better than having just one, even if the one line is somewhat bigger than the two combined. [more...]

Date: 2009-09-30 18:45:19

Get A Fresh Start After Filing For Bankruptcy

Get A Fresh Start After Filing For Bankruptcy Posted admin in Uncategorized Comments Off Because of a number of problems that can arise, ... . There is credit counseling available when people are overwhelmed with debt and sometimes they even ... to consult with a bankruptcy lawyer, or a credit counseling service at the very least. Many people try [more...]

Date: 2009-01-17 18:00:33

Contrasting recent Oklahoma City and Winnipeg morning radio coverage about education

I had a moment of significant cognitive dissonance this morning driving in to work, listening to the radio. photo credit: rakkasan69 This past Friday morning, for THREE HOURS, I was a minor guest ... them put down with disgust a news report about a school (in the UK, I think) where the school [more...]

Date: 2009-01-07 04:10:21

?There Can Be a Mortgage after Foreclosure

Having a home foreclosed on an individual or couple can be devastating to them personally as well as financially. This blotch on their credit rating stays for quite a few years. They probably think their chances ... rebuilding your credit rating. This needs to be your first priority. Although you’ll probably want [more...]

Date: 2009-01-16 05:17:01

Animal Collective is a Band Created By/For/On the Internet

This is a post about Animal Collective I listen to the Animal Collectives on a weekly basis. I think I ‘like’ them because they are differentiated from ‘traditional music’ and ‘modern indie music.’ When I listen to them, I exist on a higher plane of musical appreciation and consume products for ‘all the right reasons [more...]

Date: 2009-01-14 01:11:55

Subprime Defaults Are Just The Beginning

If you thought we were almost done with the collapse of the mortgage market, you are sadly mistaken. Last night 60 minutes did a piece about the looming wave of mortgage defaults, Alt-A and option ARMs. While, as Scott Wilson outlines below in his guest post on Your Mortgage or Your Life, 60 minutes did not do a fabulous job on this story, [more...]

Date: 2008-12-15 23:37:29

HOLLYWOOD's HOTTEST BUNS: the fine behind of Beyonce; her backside is beyond the realm of bubble perfect; she has a stupid butt!

Beyoncé Giselle Knowles (pronounced /biːˈɑn.seɪ/, born September 4, 1981), commonly known as Beyoncé, is an American R&B singer-songwriter, record producer and actress. Born and raised in Houston, Texas, she enrolled in various performing arts schools, and was first exposed to singing and dancing competitions as a child [more...]

Date: 2009-01-16 04:59:00

Totally Free Credit Report

Because of the emergence of the internet, more businesses can enter the online market easily and since we really don't have any access on knowing ... in providing your credit report but there are some which only do it if you will pay for their services ... This site provides totally free credit report. If you want to know your free credit score regularly [more...]

Date: 2009-01-15 15:06:25

Naughty and Nice

It's undeniably been a busy year for higher education with financial crises, continued student loan controversies, ... followers of the student loan market this year. When credit and asset-backed securities markets froze ... , Pennsylvania, and others are all looking to slash spending on higher education. Student Loan Panic [more...]

Date: 2008-12-18 22:20:06

FAMILY FUN FOR YOUR "STAY-CATION"

In hard times, board games flourish. Lucy Farmer finds out which ones sell best, where they came from and why we love them ... From INTELLIGENT LIFE magazine, Winter 2008 “Do not pass Go, and do not collect £200!” shouts Johnny gleefully, as Milly trundles her brassy boot round to Jail [more...]

Date: 2009-01-02 23:15:50

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

If Scripps loses $15M, what is GCI's hit in Detroit?

Maybe this is why I feel like something big is going on in ominously-quiet Detroit:To start, surely you saw that E.W ... agency, The Detroit News? Remember, the Freep was already bleeding a year ago, well before the credit ... now on a rampage to cut costs anywhere, the Freep and the JOA would be expected to report job [more...]

Date: 2008-12-05 01:45:00

Appraisal Fraud and Industry Standards Described in 2003 Official White Paper-RED FLAGS DESCRIBED IN DETAIL WITH EXCELLENT DIAGRAMS EXPLANATIONS AND DESCRIPTIONS OF BEST PRACTICES

loan_origination_mortgage_fraud_ffiecloan_origination_mortgage_fraud_prevention_response_nelsonRed Flags • Critical loan processing activities, such as  verification of income, employment, or deposit, is delegated to brokers. • Delegated underwriting allowed for correspondents that are new or lack an established track record with the FI [more...]

Date: 2009-01-09 15:33:10

Small-Business Owners Divided on Auto Maker Bailout

Many small-business owners vehemently oppose bailing out Wall Street. But what about Detroit and the Big Three auto makers? ... dealerships (which are struggling mightily right now) to the parts suppliers and repair shops. Of course, these businesses have already suffered immensely from the financial hit the Detroit auto [more...]

Date: 2008-12-03 09:12:00

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

Is Personal Information Property?

Note: This article originally appeared on the Security Catalyst Blog A colleague recently asked me, “When did my personal information become someone’s property?” It’s a question with a vital answer, because if my personal information belongs to someone else, then they can do whatever they want with it [more...]

Date: 2009-01-17 19:59:52

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

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

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

How Do Credit Counselors Help You?

by William Blake It is not unusual for a person to be shouldering much more debt then he actually can handle ... and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? A person with a sizeable debt that is hard [more...]

Date: 2009-01-15 10:32:19

You Need Credit Scores With A Credit Report

By John Rasor the importance of knowing and understanding your credit history and score I recently logged on to annualcreditreport ... that people with bad credit are more likely to file a claim than people with good credit. As a result ... .com to get my once a year free credit report but to my surprise there were no credit scores [more...]

Date: 2009-01-17 19:01:47

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