2009 looms ahead

Do you still make resolutions?  Well here are a few that you might want to think about as 2009 draws closer and a few key dates to make a ... has made it possible for individuals to obtain one free annual credit report from each of the three major ... your rebate check. Review your credit:  you are entitled to a free credit report once a year [more...]

Date: 2008-12-26 17:00:32

Blog posts (239) | Videos (49)
 

Free Credit Report Alert

I recently learned about a credit industry mal-practice, ... in this scam. The FTC website includes information about getting your free annual credit report - please read ... in which people who are trying to get their free credit report inadvertently sign up for a credit [more...]

Date: 2008-10-20 14:24:59

Your Credit Score - What Is A Good Number?

by Christine A. Mathews When you apply for credit, one of the first things a lender will check is your credit score ... are Experian, Equifax, and Trans Union. Each one has it’s own method of deciding what your credit score ... . Mistakes happen, which is why you should review your credit report annually with all 3 credit bureaus [more...]

Date: 2008-12-19 03:43:07

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

Finally got my credit score: 698

I held off getting my free annual credit report until after November 30, ... site refused to give me my report or credit score, vaguely suggested that there "might" be some sort ... out how to unlock my account at Equifax so that I could then access both my free credit report [more...]

Date: 2009-01-13 16:46:00

Free Instant Credit Reports - They Really do Exist

Don’t be fooled! Access to free instant credit reports is not as easy as hundreds of sites would have you believe ... . Yes, since the FTC ruling in 2005 you are entitled to one free annual report from each of the 3 major credit bureaus. But in order to truly get a “free instant credit report” ... [more...]

Date: 2008-12-28 15:05:10

Free Credit Report - A Website Typo Could Be Costly

In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT) ... annualcreditreport.com or which contained the phrase “annual credit report.” Since it is quite easy ... , which made it possible for consumers to obtain a copy of their credit report for free. In fact [more...]

Date: 2008-12-28 05:24:36

An Anonymous Bank Executive Speaks Up

I was tipped off to an article late last month, but I neglected to blog about it right away ... . For some reason, we had (and still have) more credit limit available to us than our annual income ... to check a credit report to see limits. They were definitely enablers when it came to our credit card [more...]

Date: 2008-12-22 06:18:42

Kentucky Needs A New God For Homeland Security

This is in today's Johnson City Press: Kentucky Law Requires Homeland Security to Credit God LEXINGTON, Ky ... , who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear’s administration didn’t credit God in its 2008 Homeland Security report issued last month. “We certainly expect [more...]

Date: 2008-11-30 00:23:51

Can Other People Lower My Credit Score?

by Jim Bransby Your personal finances are really tied up with your credit score ... . The good news is that there are many actions you can take to limit the damage to your annual credit report. Credit bureaus keep a lot of information on file, and this information is summarized [more...]

Date: 2008-08-22 13:13:29

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

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... 3 Vote(s) [more...]

Date: 2009-07-27 15:01:16

Working on Building Credit in Your Name

Being married carries many responsibilities as a couple. One of these responsibilities is applying for loans and credit as a couple ... is to get your free annual credit report. Work with your lawyer to have all joint accounts closed. Transfer ... with high annual fees and interest rates. Find out more from Credit-land.Com. Take your time. Avoid [more...]

Date: 2008-11-28 09:34:19

An Example of What the Credit Bureaus Try to Sell You

experian1 I mentioned yesterday that you can set up a quasi-credit monitoring service for yourself ( ... annual report without a credit score attached to it. This is the link you want. The second image ... ) and the offer is to give you your Experian Credit Score for “only” $5.95″!”. As I said yesterday [more...]

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

Another Unusual Risk

Another Unusual Risk Here’s another risk for companies to consider disclosing in their financial statements: ... of credit cards to the fiscally challenged, has included this risk factor in every quarterly and annual report since its 2005 annual report: “Negative publicity may impair acceptance of our products. Critics [more...]

Date: 2008-08-08 02:28:00

Save Me Jeebus!

Via Sulivan comes this gem. A lawmaker says the state’s Homeland Security office should be crediting God with keeping the state safe. State Rep ... statement or on its Web site. The law passed under former Gov. Ernie Fletcher, who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear’s administration didn’t credit [more...]

Date: 2008-12-02 03:05:06

How Fake Credit Cards are Made

Crime is way up due to the downward spiriling economy ... parting with our cards and will enocurage you to do the same, and please check your credit report. You can do so by requesting your free annual credit report by going here. [more...]

Date: 2009-01-06 16:29:00

Simple & Effective Methods Of Identity Theft Protection

by Paul Wilcox You wouldnt go driving down the highway during rush hour with a blindfold on, would you? Hopefully not ( ... theft for free and by using your common sense. Obtain You Credit Report One of the best things you can do to protect yourself from identity theft is get an annual credit report. You are allowed [more...]

Date: 2008-11-15 20:47:03

Does Anyone But Me Control My Credit?

by Jim Bransby A credit score can be critical to your personal finances ... is that there are many actions you can take to limit the damage to your annual credit report ... without success. Still, few people understand credit scores and what goes into them, and still fewer [more...]

Date: 2008-08-22 12:18:43

linkblog: Jun 25

linkblog: Jun 25 June 26, 2008 – 2:04 am Engagd.com Pull all your APML together and get a clear picture of what gets your attention ... AnnualCreditReport This is a great site to get your free annual credit report from all three reporting agencies. This site is recommended by the FTC. The JavaScript Source: Forms : Clipboard Copy [more...]

Date: 2008-06-26 06:04:57

50 Financial Skills Every Person Needs To Know

Popular Mechanics created a list of 100 Skills Every man Should Know, ... using ABA Routing and bank account numbers. Request and review your free annual credit report ... and/or through Treasury Direct. Read (and understand) a company’s annual report (including [more...]

Date: 2008-10-27 11:00:10

The lifelock

My Wife and I had our computer hacked. We had no idea how much information was compromised ... you get an annual credit report. The best thing, however, is that, if you do find out that your ID ... was to go to their website to find out more information about what they offered. I was impressed enough [more...]

Date: 2008-12-17 02:44:00

Catching Up

So.  I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]

Date: 2009-01-16 05:41:49

God Bless Kentucky

Politicians in Kentucky look to have the unhealthy obsession of feeling compelled to mention God almost nonstop, including in their laws ... or on its Web site. The law passed under former Gov. Ernie Fletcher, who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear's administration didn't credit God [more...]

Date: 2008-12-01 18:52:00

It is soooo coold.. brr. Post Roundup

YEAH! Its melting Creative Commons License photo credit: *Micky The past few days have been extremely cold here in Minnesota, ... With Good Ones Time To Chck Your Annual Credit Report! Problems with Gift Receipts? Debt? What Debt? Mortgage Refinance Rates Continue to Fall The New Frugal Forum @ frugalhacks.com Free Advice [more...]

Date: 2009-01-14 16:21:15

Tuesday, What's Up With Those Forts Posts?, Links

Big Media Matt is in favor of Freight Rail Stimulus, and I am too (Disclosure: I have family who work at CSX) ... Felton's 2008 personal Annual Report Credit crunch effects design process Guardian MVRDV's Gwanggyo ... this on a web page instead of in a feed reader, the website is violating copyright law. [more...]

Date: 2009-01-13 17:24:35

Free Credit Reports Now Available From the FTC

The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) ... ) or by mail by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 ... report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair [more...]

Date: 2008-11-04 19:30:27

Throwing Pennies Down A Drain

Some housing bubble news from Wall Street and Washington ... s first annual report on the credit rating agencies since Congress gave it express oversight in 2006 ... . Today, the SEC released its report on credit rating agencies and their role in the subprime mess. Moody [more...]

Date: 2008-07-09 18:36:25

Buying A Home After Filing Bankruptcy

Buying a house after filing bankruptcy is a real possibility after a year ... be good enough to qualify for a conventional loan. It is also a good idea to check your credit report before applying for a mortgage. You can get an annual free report from any of the three reporting [more...]

Date: 2008-11-23 21:15:25

A-Z real estate vocabulary for home buyers and sellers

Nothing is more fundamental to buying or selling your home than understanding the language that realtors, lenders and others in the industry use ... , origination fee, hazard and mortgage insurance, credit report and appraisal fee. Debt-to-Income ... inspection. Annual Percentage Rate (APR) - The cost of credit expressed as a yearly rate. Bridge Loan [more...]

Date: 2008-12-02 21:05:42

He Doesn’t Know When to Fold ‘Em

He Doesn’t Know When to Fold ‘Em If this CREW complaint is right, we can credit Johnny for being consistent about one thing, at least; ... . Federal law and Senate rules require all income to be reported on annual financial disclosure reports ... , are gifts that must be reported as income. Knowingly filing a false report is a crime punishable [more...]

Date: 2008-10-10 15:02:48

Kentucky Homeland Security Required to Credit Some God

Image via WikipediaJust when you think you've heard it all, ... now? The department's 2008 annual report did not credit his god."This is recognition that government alone cannot ... in passing a law requiring a federally-funded agency to credit his god with protecting the people [more...]

Date: 2008-12-01 11:19:03

Money Hacks Carnival #39

Looks like another another miscue in the Carnival Land ... Transfers Offers posted at Blueprint for Financial Prosperity. Annual Credit Report posted at Identity ... for your participation. carnival Photo by Meagen via Flickr Credit and Debt Five Ways to Help [more...]

Date: 2008-11-20 03:25:15

Kentucky State Law Mandates Mission of Dept. of Homeland Security is to promote Religion

State legislators amended Homeland Security's religious duties to come before all else, ... than others. Under previous Gov. Ernie Fletcher, a lay Baptist preacher, Homeland Security interpreted the law at face value, prominently crediting God in its annual reports to state leaders [more...]

Date: 2008-11-30 01:46:00

Quality Counts Lacks Quality

(Guest post by Stuart Buck) Education Week has released its annual report “Quality Counts, ... , the report reminds me of the old joke (I can’t remember who to credit for this) of a beggar sitting ... get an overall score equal to a state with low spending and high achievement.  But if a school manages [more...]

Date: 2009-01-08 15:20:45

Can Wachovia Do Anything Right?

An analyst at RBC Capital Markets suggests Wachovia cut corners to join the trillion dollar asset club ... loans was 1.24%. In its latest annual report, Wachovia ... to see credit quality in C&I lending deteriorate in tandem with the general economy," wrote [more...]

Date: 2008-08-13 04:36:25

Latin America Grows in Popularity as Trade Partner as Opportunities in Traditional Markets Shrink

According to a 2008 survey by the Economist Intelligence Unit, undertaken on behalf of Atradius, the leading global credit insurer, ... % expect their annual profit growth from the region over that same period to reach 6%. The report ... , with Mexico running a creditable second at 48%. 61% percent of respondents estimate that their annual [more...]

Date: 2008-12-02 07:24:50

Resolutions 2009

I'd like to hear about any resolutions for this year that are on your mind.I admit: nothing specific comes to mind for me.. ... : Protect your identity. Download your free annual credit report (US only). Build your network before [more...]

Date: 2009-01-01 13:21:41

Would Better Disclosure Have Helped WaMu Shareholders?

According to a September 25, 2008 press release from the U.S. Securities and Exchange Commission ( ... largest savings and loan through the fallout of the mortgage and credit crises." The 2007 Annual Report on Form 10-K/A for Washington Mutual, Inc [more...]

Date: 2008-09-26 06:22:29

Three Legislative Proposals That Could Have Major Consequences for Your Finances

J.D. is on vacation. This guest post comes from DR of The Dough Roller, a money management blog ... in a consumer report or any change in a consumer’s credit score, as the basis for increasing any annual ... on Wall Street and in the credit markets lately, one could easily forget about money-related legislation [more...]

Date: 2008-12-18 13:00:42

Headline News - January 7, 2009

Hypercom Appoints Stuart Taylor Vice President, Global Marketing New Mercator Advisory Group Report: Small Business Credit Card 2008 Update: ... in credit card terms Economix Blog - NYTimes.com: Crisis Comparisons: How Bad Might It Get? Laru ... from Credit Cards, Could Save Consumers $500 Million Annually Over Competing Prepaid Cards Get Rich Slowly [more...]

Date: 2009-01-07 13:30:03

Tips on Declaring Bankruptcy

If you know you’re going to declare bankruptcy, there’s probably not much I can say to make you change your mind but there are a few things I can ... to have a ding on your credit report for years to come.  What does this mean?  Kiss the good interest rates goodbye and kiss the annual-fee free credit cards away as well.  You’re most likely going [more...]

Date: 2008-11-29 20:11:42

What’s the Carbon Footprint of my Checking Account?

Crossposted from the Understory RAN released a new report today, “Financing Global Warming: Canadian Banks and Fossil Fuels“, ... , we also launched a new website, climatefriendlybanking.org. The report results are striking ... s largest credit union), would reduce your annual carbon footprint by 1.4 tonnes of CO2, a very meaningful [more...]

Date: 2008-11-20 22:15:55

5 Steps To (NOT) Take If Your Identity Is Stolen

The other day, the Consumerist blog published a piece entitled 5 Steps To Take If Your Identity Is Stolen ... simply uses the data you provide to compile an annual report (the 2006 report was issued ... theft will never, ever work. Because the correct procedures for recovering from existing credit card [more...]

Date: 2008-07-20 06:59:58

Protect From Identity Theft with TrustedID

Identity theft is a rapidly growing crime and there have been several businesses that are ready to help you not be a victim. By putting a fraud alert on your credit report, these ID theft prevention services cause ... credit can be created using your personal information. TrustedID will also supply you with annual [more...]

Date: 2008-12-06 15:58:08

The Law of Money

The Law of Money Posted by DJ Drummond Published: December 22, 2008 - 1: ... cash into Chrysler but chose not to, and GM, which annual reports for the last three years' running ... ; 2. A credit crisis in the banks, as banks are risk-averse to the point that they are making fewer [more...]

Date: 2008-12-22 18:53:56

Is Nortel a Victim of the Global Financial Crisis?

Some would paint Nortel as a company that was on the verge of making a big turn around, but was blindsided by the financial crisis ... at its earnings history. I dug through old Nortel annual reports and tried to resolve all the inconsistencies ... . If only the credit markets were in better shape, Nortel wouldn’t have been forced [more...]

Date: 2009-01-15 05:08:00

NY TIMES: Buffett to Offer Details on Derivatives

Warren E. Buffett has long been an proponent of transparency and a critic of murky financial instruments ... by 2019. On Monday, Mr. Buffett said he would disclose in the next annual report more information ... of companies and stocks with the highest possible credit rating, have tumbled 36 percent since Oct [more...]

Date: 2008-11-25 04:21:48

Not Too Late To Make A Difference This Year

That's it. I am sick and fucking tired of wingnut freakazoids getting credit for being "charitable" ... an even greater disproportion: average annual contributions reported by conservatives were almost double [more...]

Date: 2008-12-26 22:34:00

Prices are right, is it time to buy?

Recent data out from the National Association of Realtors (NAR) shows that its home affordability index (HAI) ... was calculated annually, and in 1973 the HAI averaged 147.8. (It’s highest annual average was 154.8 in 1972 ... years back. Those with weak credit reports or low down payments are finding fewer and more costly [more...]

Date: 2009-01-14 19:28:31

Tribute MasterCard Review

by Daniel Moskel The Tribute MasterCard is often used to help rebuild a low credit score. It is an unsecured bad credit card ... to how much credit you have that is not being used. There will be an annual fee; however every sub ... your application. To get the most benefit on your credit report from your card you should try [more...]

Date: 2009-01-16 08:00:12

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