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

Those songs from a certain misleading ad campaign sure are catchy – and I don’t just mean that their melodies are hooky and infectious. The main catch from this supposed freebie website  (which shall not be named so as not to introduce any possible confusion with the only FTC authorized vendor of free annual credit reports) is that while the credit report is free, the “credit monitoring” service certainly isn’t.Aand it’s no walk in the park to cancel it either. [more...]

Date: 2009-07-27 10:54:03

Blog posts (819) | Videos (799)
 

Equities play catch up with credit

Good Evening: What started as trouble with subprime mortgage loans almost two years ago has now spread out and infected credits of all sorts, save the U.S. government. Perceptions about the credit-worthiness of Uncle Sam will take time ... credit markets. Whether this adjustment in the relative prices of credit and equity take place [more...]

Date: 2008-11-20 05:30:37

City Forests seeks $3m carbon credits profit

| Sourced From Odt.co.nz |Dunedin City Council-owned City Forests is targeting a revenue boost of up to $3 million this financial year from sales of carbon credits, possibly to international interests.Of its total 16,100ha forestry holdings, about one-third are eligible under the Kyoto agreement to produce carbon credits, City Forests chief executive Grant Dodson said, when contacted, yesterday.“Our objective is to gain our carbon credits from Maf (the Ministry of Agriculture and Forestry) in [more...]

Date: 2009-10-01 18:00:25

Following Grueling Financial Times You Can Re-establish Your Credit

September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]

Date: 2009-09-29 17:00:00

Opting For Bad Credit Refinance Is Like Walking On Thin Ice

by Angus Guy Ignorance and indiscipline are the two main detractors who are responsible for destroying our once green credit rating and bringing us to despair to suffer the ignominy of ending up with a Bad Credit rating. Along with this come a host of other problems related to a bad credit history. In the earlier days no bank or lending institution would consider it safe to lend to someone such a history. [more...]

Date: 2009-10-01 10:28:09

Following Complex Financial Times You Can Rebuild Your Credit

Upgrading credit after a interval of monetary hardships, bankruptcy, repossessions or other monetary strain that blemishes any credit report can be scary and baffling. For most people these are times of hideous strain. But times change and situations change so don't let the relief than comes when the wages and money get back in line be overshadowed by the tribulations left on the credit report. [more...]

Date: 2009-09-30 14:11:53

Best Prepaid Credit Card – What To Look For

September 27, 2009 | By Dan Moskel In Finance | by Dan MoskelYou may have heard of these and asked, “why are they called credit cards if you receive no credit?” To answer that question and many others, let’s look at them in detail.Nearly all of the major issuers offer these. The concept is very simple. Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail. It looks identical to a regular one typically with a Visa or MasterCard logo. [more...]

Date: 2009-09-27 18:13:10

Learn How A Divorce Can Upset Your Credit Report

September 28, 2009 | By Mike Jones In Finance | by Kevin LynchConsiderably too many marriages end in divorce these days. Sadly the splitting up of a marriage is not only an emotional battle but it all too often has a hugely negative outcome on your finances also. Frequently there are folks who have been responsible and trustworthy with their credit for years who end up with major tribulations following a divorce. Divorce is one of the foremost causes of problematic credit for many persons. [more...]

Date: 2009-09-28 10:26:54

Benefits of Acquiring Bad Credit Auto Loans through Sub-prime Car Lenders

Amazon.de Widgets The world economic recession has created a different set of dynamics before the lenders and primers. With pink slips and instability in the job market borrowers are finding it hard to maintain regularity in repayment. Unavailability of unsecured loans has also added to their worries. This is no less a turbulent time for lenders too. With increased number of bad credit borrowers they are forced to relax their good credit score while approving new loan plans. [more...]

Date: 2009-09-29 07:45:12

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Forgiven Debt Isn't Really Forgiven At All

By Kate Luther If you've been struggling with the rest of the economy, chances are you've been forced to rethink your financial priorities. And as a result, credit cards are often the first thing to go. The good news is that once you get behind, many credit card companies will offer to "settle" your account, some for as much as just 40% of your original balance. And if you're looking at a large chunk of credit card debt, making it go away for 40% of its value sounds like a pretty good deal. [more...]

Date: 2009-09-22 13:00:09

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Credit default swaps threaten newspaper cos.

As if Google weren't menace enough, newspaper companies are finding themselves undermined by another modern innovation: the credit default swap. In the cover story for the The Deal magazine published Monday, Richard Morgan tells about the dire situation Gannett Co. (NYSE:GCI) finds itself in after nearly three-quarters of bondholders, hedged with credit default swaps, declined an exchange offer that expired May 5. Thanks to the CDSs, they stand to get a better payoff if Gannett defaults. [more...]

Date: 2009-06-23 16:03:58

Credit Crisis Watch: Gaining Positive Traction

In order to gauge the progress being made to unclog credit markets and restore confidence in the world’s financial system, ... in this “Credit Crisis Watch” review, one can ascertain to what extent the various central bank liquidity ... of the credit crisis in August 2007. 14-jan-1.jpg Source: StockCharts.com Importantly [more...]

Date: 2009-01-14 13:30:49

Easy No Credit Check Loans

September 20, 2009 | By Preston West In Blogging | For those people with low credit scores or low wages, “No Credit Loans”, are an excellent alternative. Although this loan is linked with much higher interest rates it is an option for those with few choices. Because the loans are usually paid back over a shorter amount of time the huge interest rate may not be a deterrent to borrowing funds. For people that need quick cash for a short term, this could be ideal. [more...]

Date: 2009-09-20 22:50:50

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

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

Save your identity, have Credit Report

A credit report holds the most personal and vital information anyone can have. The information contained in the report influences crucial decisions on loans, insurance coverage, employment—even housing. Although this information is supposed to remain top secret and extremely confidential (according to the Federal Fair Credit Reporting Act—FCRA), it’s relatively easy for anyone to get their hands on these personal records. [more...]

Date: 2009-05-23 06:09:47

CIBIL frequently asked questions (FAQ) and answers

Sep 15, 2009General Info Q.1 What is CIBIL?CIBIL – India’s first credit information bureau- is a repository of information, which contains the credit history of commercial and consumer borrowers. CIBIL provides this information to its Members in the form of credit information reports.Q.2 Who owns CIBIL?CIBIL’s equity was held by State Bank of India, Housing Development Finance Corporation Limited, Dun & Bradstreet Information Services India Private Limited and Trans Union International Inc. [more...]

Date: 2009-09-15 02:03:33

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

Clean Up Your Credit and Save $100,000

What if I told you there’s a potential $100,000 smackaroos in it for you for just sticking with me for another three minutes? Here’s how: Clean up your credit score. Seriously, I’m not going to harp on about how stellar credit means paying less interest on loans, qualifying for lower insurance premiums, and sailing through things like landlord and employment background checks. You know that already. Instead, I’m going to let cold hard cash do the talking. [more...]

Date: 2009-09-22 07:22:31

How To Find A Reputable Credit Repair Company To Help You Fix Your Credit

More people seem to be looking to companies that offer credit restoration these days. As people are waking up in the aftermath of an economy and mortgage crises that seems to have affect tens of millions of Americans, credit repair seems to be a high priority. This is the only way to move forward. [more...]

Date: 2009-10-01 09:42:26

MBIA’s CDO Misadventures Continue (Commercial Real Estate Edition)

Monoline insurers were last year’s story, but I have a prurient interest in some of the smoldering hulks of the credit crisis. Readers may recall that in January-Feb of last year, seemingly imminent demise of monolines looked to be ready to set off financial armageddon, since monoline (and AIG) credit enhancement was critical to a lot of structured credit instruments. [more...]

Date: 2009-10-01 03:03:47

MBIA’s CDO Misadventures Continue (Commercial Real Estate Edition)

Monoline insurers were last year’s story, but I have a prurient interest in some of the smoldering hulks of the credit crisis. Readers may recall that in January-Feb of last year, seemingly imminent demise of monolines looked to be ready to set off financial armageddon, since monoline (and AIG) credit enhancement was critical to a lot of structured credit instruments. [more...]

Date: 2009-10-01 04:03:47

How to Fix Bad Credit and Reduce Stress

All of us have made financial mistakes at one point or another; after all, we are only human. However, the trick here is to not live with the problems that come along when you have bad credit any longer than necessary.All information, regardless if it is good or bad, will stay on your credit report ... [more...]

Date: 2009-09-27 19:17:09

Beating Collectors With Credit Repair

You may encounter a reasonable, mild mannered collector someday, but do not hold your breath. Collectors are trained to be emotionally effective. This means aggressive. They will keep you on the phone as long as they can in an attempt to bend your will to theirs. Their goal is to get money out of you, whatever it takes. Unfortunately, in their effort to dominate, they often step over the line of legality, and hence arises the need for credit repair techniques to neutralize their wayward conduct. [more...]

Date: 2009-09-25 15:17:42

More Trouble Ahead

by hilzoy From the Washington Post: "Consumers are increasingly unable to pay off their credit cards, ... credit, the latest downturn to whack Americans after the housing slump and mortgage meltdown ... a spike in credit card loans going bad, putting further pressure on already-stressed balance sheets [more...]

Date: 2008-10-22 02:21:35

Why Monitoring Your Credit Score Is More Important Than Ever Before

Are you considering the process of repairing your credit? One of the most important things you can do, apart from getting errors and mistakes removed from your credit report, is to keep your credit... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-29 19:25:22

N.J. man learns modifying mortgage to cut payments may impair credit rating

by Moe Bedard on September 29, 2009 · 0 commentsin American Nightmare To confuse consumers even more, not all lenders follow the guidelines.That may change on November 1, when lenders can use a new code to report them as a “loan modification under government program.” The code will clarify which borrowers have taken modifications, but because the modification process itself is not streamlined, it won’t be the only worm squiggling out of the can.The bigger impact on credit scores may depend on how [more...]

Date: 2009-09-29 13:48:05

Tax Credit for Breakfast

Dave's newly announced policy is another welcome help for small businesses, it is not a business subsidy so much as a tax credit, a temporary (only for the duration of the recession) £2,500 tax credit for new created jobs. It will however ... , has loads of qualifications and caveats, requiring small businesses to call their accountant [more...]

Date: 2008-11-11 10:21:50

Cortera launches first community for small business credit repor...

Boca Raton, Florida and DEMOfall 2009, San Diego, California (PRESS RELEASE – September 26, 2009) — Cortera™, a community-driven business information company, today unveiled the Cortera Credit Exchange™, http://www.cortera.com, a new online service that, for the first time, blends business credit report data with user generated payment experience reviews and ratings from companies’ business partners. read more [more...]

Date: 2009-09-26 11:00:53

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... improve by 25% from current levels if credit availability improved.” So investors cheered the news ... that couldn’t be funded through the markets once the credit crunch hit. It is arguably the latter [more...]

Date: 2008-12-30 09:57:00

"There is a Credit Crunch"

Tyler Cowen does some digging and concludes: I still cannot agree with Alex and Bryan: ...I remain stubborn in my belief that there is a credit crunch. Here is one report: How is trade ... ." The trouble is that credit ... has evaporated... Here is another report. Here are other reports [more...]

Date: 2008-10-25 20:08:00

Ris Low, a beauty queen, resigns after lingerie fraud - ?

I thought I will never be more confused by the intricacies of English than I already am. But this news item simply disabused me of this, obviously erroneous, notion. Local media last week reported she was sentenced to two years of probation for stealing credit cards and spending $5,642 on lingerie, cell phones and meals at fancy restaurants. So, when you steal a credit card and use it to purchase stuff, the kind of fraud (and, probably, the punishment) depends on what you purchase. [more...]

Date: 2009-10-01 14:31:00

Interesting Reads 26 Sep 2009

Here is a video of Buffet praising a Chinese suit company I found this week. I thought this was pretty interesting because it looks like Buffet doesn’t wear any other suits these days, so their suits must be really good or at least really good value for money. On to some other great posts this week: Savings Account Rates: The Latest on High Returns @ The Digerati Life Credit Monitoring Services check your credit report @ The Smarter Wallet Understanding Marginal Tax Rates @ M is [more...]

Date: 2009-09-26 14:05:47

Looking for Info About Credit Cards - Check Out this Publication

I don’t know who you are, but I bet you’ve heard at least once in your lifetime of the convenience and effectiveness of credit cards and how they are easy to get. They are advertised everywhere, you are agitated to get one anywhere you go, you receive credit card offers in your mailbox, you hear [more...]

Date: 2009-10-01 17:31:40

Rating agencies protest broader oversight

* U.S. House panel eyes more liability for credit raters * Moody's says some fees could be revealed to regulators * Liability change would spur frivolous lawsuits-industry (Adds comments from hearing, context) WASHINGTON, Sept 30 (Reuters) - Moody's Corp (MCO.N) chiefexecutive told lawmakers on Wednesday that his credit ratingfirm may agree to disclose some of its fees to regulators, butopposes a plan to impose greater liability on the sector. [more...]

Date: 2009-09-30 20:16:51

Rating cannot be construed as a substitute for an exhaustive audit or a fraud detection

Sep 26, 2009Accounting, Audit The credit crisis has exposed weaknesses in many financial intermediaries. How can rating agencies ensure their views are more accurate and unbiased?  Despite due diligence, there is always scope for improvement. Credit rating agencies (CRA) do not carry out a separate audit but takes cognisance of the information available from annual reports, submissions from management, secondary sources and opinions from lenders/ investors. [more...]

Date: 2009-09-26 05:31:47

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... of Autonation, have indicated that auto sales could improve by 25% from current levels if credit ... the credit crunch hit. It is arguably the latter that forced the auto maker to go begging to Congress [more...]

Date: 2008-12-30 09:57:00

Money Management: PT Money

It's week 3 of our series of Money Management by Personal Finance Bloggers , and today we're talking to PT Money of the blog of the same name. Previous interviews: Moolanomy , No Debt Plan , ToughMoneyLove and Gen X Finance . How do you spend: cash, debit or credit? I use my debit card most of the time. For bigger purchases or for travel I will use my credit card. I do this is to get the points. I don't really carry cash. Although, I sometimes wish I did. I think it might make me spend less. [more...]

Date: 2009-10-01 13:01:05

8 ways to improve your credit score

8 ways to improve your credit score By Katie McCaskey, Geezeo.com Why? Because it’s harder than ever to get a loan. And the higher your credit score, the better your chances of securing a loan at a good interest rate when you need one. Read More » Cheat Sheet Biggest Loser Club on trimming [more...]

Date: 2008-12-13 00:46:40

Racing the Clock on DPA Programs: Will The Dems Save the Day?

I had some fun, yesterday, with a report about the down payment assistance ban and the First-Time Homebuyer Tax Credit ... credit score of 620. Compliance to the underwriting guidelines then, could make DPA programs, or 100 ... that the Tax Credit might be collateral for a “tax refund loan”, thereby, facilitating the need [more...]

Date: 2008-08-28 04:26:04

Debt Settlement Companies: Friend or Foe?

These days, lots of people are swimming in debt with nowhere to turn, no access to credit, and no liquidity, with their credit scores shot… and they’re wondering what to do next. Someone I know who is in this predicament just recently asked me for some input. I told them that there are various paths to the same end: to get rid of your debt or to reduce it to some extent. [more...]

Date: 2009-09-09 06:49:11

Tax Credit Extension Needed to Guard Against Real Estate Decline

RISMEDIA, October 2, 2009—According to a recent survey of real estate agents, the first-time homebuyer tax credit has been extremely successful in stimulating  the housing market and the overall economy. However, the overwhelming majority of agents polled, see challenges for real estate if the tax credit is allowed to expire on Nov. [more...]

Date: 2009-10-01 20:56:56

BehindTheMedspeak: Healthcare credit score — just another name for wallet biopsy

Certainly it's more politically correct but they're exactly the same thing ... from both the uninsured and underinsured. Equifax Inc. and TransUnion LLC, credit-reporting bureaus ... data collected by credit bureaus to help hospitals determine whether patients registering [more...]

Date: 2008-12-10 17:01:16

Add Your Comment:

« PreviousEBITDAR: the pirate's financial metric Next »The Fed's Wall Street pay fix A bolder approach to credit-rating agency reform Posted by Barbara KiviatFriday, September 18, 2009 at 11:55 am 7 Comments • Trackback (2) • Related Topics:investingregulation Yesterday the SEC rolled out a bunch of new rules and proposals meant to purge conflict of interest and ineptitude from the credit-ratings agencies—that group of companies whose greatest hits include considering Enron investment-grade [more...]

Date: 2009-09-18 15:55:25

Fraud Alerts Offered By Credit Monitoring Services

by Jean Nicholson The role of credit monitoring services is to combat that deadly disease which has infested the corporate level already. In terms of identity theft protection, it has gained popularity these days especially on the corporate level. The apprehension of executives to be victimized by the phenomenal crime of all times has strengthened the employment of this special service group to battle such malignant disease. [more...]

Date: 2009-09-28 15:56:46

Credit Card Laws and Court Rulings–Have They Helped Consumers?

This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]

Date: 2009-09-25 19:18:38

La. looking at carbon credits

| Sourced From Theadvertiser.com |NEW ORLEANS — Louisiana, scene of one of the biggest environmental reconstruction projects in U.S. history, could become a major player in emerging cap-and-trade markets by selling “carbon credits” tied to the restoration of its Mississippi River delta.At least that’s the hope of Republican Gov. [more...]

Date: 2009-09-26 20:00:25

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