Credit Report Contents

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... . These are: TransUnion, Equifax, and Experian. It is possible to receive a free copy of the report from each ... ) there will be a credit inquiry to one of the bureaus. If you inquire for yourself, it will be on the re [more...]

Date: 2009-01-15 21:43:13

Blog posts (139) | Videos (195)
 

Credit Repair After Bankruptcy

by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... will not check during an investigation, the mark will not be verified. Congress passed the Fair Credit Reporting Act and this says that the bureaus must remove any item on your report that can not be verified [more...]

Date: 2009-01-07 23:54:48

Want to come upstairs and see my credit score?

When should you do it? On the third date? After meeting her parents? Half-way through the first date? When it just feels right? ... significant other about his or her credit score probably makes you squeamish, but it’s a subject that ultimately unavoidable. Just as you inherit in-laws when you tie the knot, you inherit credit history too [more...]

Date: 2008-08-19 10:00:00

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

Bank Crash - Economics 101

Seen the news lately? Banks closing left and right, the government stepping in to bail some banks out ... . If Mega-Corporations, like banks and mortgage companies, report massive profits this makes politicians look good. The news reports “Stocks are up, banks report growth again.” It makes you feel [more...]

Date: 2008-09-17 12:00:00

Credit Repair

Credit Repair Our good name and reputation are things that we usually care about owing to the fact that no matter what happened in your life if ... about your bad credit score you will get rejection on your loans. A credit report is your score ... be thinking of repairing it. It’s hard to do it but you’ll benefit from having a good credit name [more...]

Date: 2008-09-04 13:19:08

Bank of America to Receive Additional $138 Billion in Government Assistance

The situation must have been rather dire indeed. They did not even wait for the weekend.Its a nice amount of government aid for a single company ... the global credit crunch.Bank of America will absorb the first $10 billion of losses in the pool, of which ... institutions and promote the process of repair and recovery [more...]

Date: 2009-01-16 05:50:00

Watch Out for Possible Credit Card Scams

I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... will be so much better. Currently in the United States, the credit card companies take the burden off customers for any fraudulent activities. What this simply means is that if someone steals my credit card [more...]

Date: 2008-10-30 15:25:07

Five Ways to Get Your Credit Report for Free

I’ve talked at length in the past about how your credit score is determined and why it’s important ... . When we first discovered the problem, we burned through our free credit reports trying to figure ... provides you with access to reports from all three credit bureaus plus your credit score. Just don’ [more...]

Date: 2008-08-29 10:03:53

More About Bad Credit Repair

It may not be possible to provide you with everything you wanted to know about credit repair in this brief article, ... that they have a credit report repair Software and also they will teach you credit repair secrets, for a fee of course. There is a lot of free information here, if you know where to look. Before you take a credit [more...]

Date: 2009-01-10 18:23:12

Bad Credit Unsecured Personal Loans – Credit Score Repair Helps

Bad credit unsecured personal loans can greatly assist you in making ends meet financially.  The one thing that most borrowers worry about when it comes to personal loans is the interest rate.  To lower your interest rate credit score repair greatly helps.  It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]

Date: 2009-09-29 22:33:44

Crunks 2008: The Year in Media Errors and Corrections

Editor’s Note: This site doesn’t accept advertising ... about a British family. In the United States, the Bulletin, a weekly in Montgomery County, Texas ... To Plagiarists Sports writer Rick Reilly deserves credit for having produced work of such brilliance that two [more...]

Date: 2008-12-16 12:01:30

Do you have bad credit?

I don't know how many times I have heard people talking about the reasons they were denied a loan but it seems that one of the common complaints was ... that they probably don't know why they have bad credit and that the report is most likely wrong. A lot ... , then you are almost guaranteed that they will provide you with the credit repair you need to [more...]

Date: 2009-01-07 04:45:00

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, there are laws in place allowing people to mount disputes regarding their credit reports ... goes quickly and efficiently. You just can’t call the credit bureau in disgust and start hollering [more...]

Date: 2009-01-10 08:35:57

Credit Problems?

Have you ever really sat back and thought about what happens in the back round while you go on with your life ... you live it. One of the those items that constantly over shadows you is your credit report. Good, bad ... ! Did you know that 25% of Americans contain errors on their credit report that are serious enough [more...]

Date: 2008-12-02 03:50:00

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. Opportunities Credit Union of Vermont, where reader Rick has his mortgage, told Rick ... Credit Union accessed the bill. Whoopsies. Here's Rick's letter to the Credit Union president, asking [more...]

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

Improving Your Credit

Improving Your Credit January 16th, 2009 Subscribe To Our Feed Your credit file and rating have always been very important to your financial ... to ensure that you keep your credit in check. However, in the current financial climate ... you apply for finance the lender will run a check on your credit to assess whether you are a low or high [more...]

Date: 2009-01-16 21:05:51

The End of the Financial World as We Know It

This is the best article I have seen on describing not the financial crisis, which is a sympton, but the demise of our nation’s value system and lack of leadership. I am in search constantly of “the why” behind this crisis, why people have gotten so greedy at the expense of others, why enough is never enough [more...]

Date: 2009-01-10 14:09:15

Credit Report Problems?

We all know that nobody is perfect. With the imperfections comes financial irresponsibility and as a result your credit report takes a hit. It is bad enough to start taking hits on your report because you know that something is wrong ... fixed. Do you need credit repair? Now we have a company that will do the work [more...]

Date: 2008-08-30 19:34:00

News and Commentary

Children Heavily Represented Among 917 Dead, Say Officialsby Michael Jansen - Irish Times / Common DreamsHealth officials in Gaza said yesterday that the Palestinian death toll since Israel began its offensive against the Strip on December 27th had reached 917 and the number of wounded 4,100 [more...]

Date: 2009-01-14 08:42:00

January 10 2009: Hornswoggled Absquatulation

Russell Lee Tobaccy Candy 1940 Pool hall, Shasta County, California Ilargi: The revolving doors between Washington and Wall Street are swinging like never before. Lawrence Summers and Robert Rubin are the finance powerhouses in the upcoming Obama administration. They were in the exact same place 10 years ago [more...]

Date: 2009-01-10 16:28:00

McKinney, Nader debate

Democracy Now! played some of the questions and answers from the last Presidential debate with McCain and Obama, followed by a two minute reply by Green Party nominee Cynthia McKinney and Ralph Nader The host, Amy Goodman stopped the candidates when they were headed down the way-over-two-minutes path [more...]

Date: 2008-10-20 04:33:33

iPhone 3G Testing Episode 2: Revenge of the Swedes

iPhone 3G radio performed roughly the same as 3G handsets made by Sony Ericsson and Nokia, some ( ... The iPhone using updated 2.0.2 software reported slightly better numbers, but Bluetest indicated ... some dodgy networks with software that may be a little too sensitive to fluctuation, or too conservative [more...]

Date: 2008-08-28 11:55:19

Good Reads

1. From the prolific Bill Easterly in FP: The Poor Man's Burden ... us back to the bad old days. To avoid such a return, we must keep some principles in mind.First, we must ... during the Depression.Second, when changing financial regulations to repair the excesses of the past [more...]

Date: 2009-01-12 14:59:00

Online Credit Reports

Every time you ask for a mortgage, make a payment, ask for a personal loan or use a credit card, the information is recorded in your credit report. A credit report has all kinds of information about your credit status, mortgage or billing ... you should keep a tab on your credit report. Another important reason is to prevent identity thefts [more...]

Date: 2009-01-16 06:17:32

Orchard Bank Credit Card

by Daniel Moskel The Orchard Bank credit card is issued by HSBC Bank. This is a sub prime credit card. They have a unique application process ... payment history on your credit report. This is an important factor when your score is being ... a negative item on your credit report ages four years it has much less impact on your score. We do still [more...]

Date: 2009-01-16 07:34:19

Millions at risk of foreclosure fraud

Angela Carter outside the Chicago home she may lose because, she says, she fell for a foreclosure rescue scam. (Chris Ocken for MSNBC.com) Angela Carter's family has lived for 46 years in the same small two-story home in Chicago, perhaps a 15-minute ride from Barack Obama's adopted Hyde Park neighborhood [more...]

Date: 2008-09-22 09:00:00

How to Remove a Tax Lien From Your Credit

by Matt Douglas If you have a tax lien on your credit report, you should take immediate action to remove it. This is a very bad mark and will lower your score considerably. The first step ... it is not out of the ordinary for incorrect information to be reported on your credit. It is estimated [more...]

Date: 2009-01-15 08:40:48

The Top Franchise Trends For 2009

Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan.  More tips ... business produces goods and services worth over $880 billion yearly (Figures above obtained [more...]

Date: 2009-01-09 07:30:34

Why Bad Credit Report Repair and help you.

by Mary Bush Many people suffer with bad credit. Maybe you lost your job and suffered trouble finding a new one or maybe you came ill and couldn’t ... repair kit. This will be step by step instructions, tips and sample credit repair letters ... is dropping. The good news is that there are matters that can aid with bad credit report repair [more...]

Date: 2009-01-07 21:27:10

Allenism, Taylorism and the Day I Rode the Thundercloud

News flash: I was just interviewed (you can listen here) along with David Allen, the man himself, about this article, by Karen Hammer at KGNU. If any listeners found their way here after the show, welcome to ribbonfarm! If you are interested in having some fun organizing your life, [more...]

Date: 2009-01-08 05:36:19

Looking for Professional Credit Repair?

Let me ask you, how bad is your credit report? How frustrating it is when you try to purchase something like a car, ... to your credit report issues. Need credit repair? Don't hesitate to visit www.ovationcredit.com and ask ... credit report. Have you tried to look for a company that can help you with your problem? If not, well [more...]

Date: 2008-12-10 17:31:34

Laws in Credit Repair

Laws in Credit Repair There are certain laws issued for people that have bad credit and to know these laws is important to protect all those ... Credit Reporting Act (FCRA) protect you from collection agencies and creditors. If you have bad credit ... from your credit report. If it has not these people are in violation. There are several reasons why [more...]

Date: 2009-01-16 23:05:26

Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score. The Fair Credit Reporting Act says that you can dispute any item that you do not believe to be accurate on your credit report. It also says that any item that can not be verified must be removed [more...]

Date: 2009-01-14 19:07:31

Obama's Economic Speech

I've posted his major speeches in full for the past eighteen months. His latest - given today in Toledo, Ohio - continues after the jump ... this week and see that so much of their hard-earned savings have disappeared. The credit crisis [more...]

Date: 2008-10-13 23:32:00

Home Loans essentials for financial rookies

Home Loans essentials for financial rookies August 27th, 2008 Can I buy any house I like with a home loan? ... is presented in your credit report. A credit report is a document stored by a credit bureau that contains ... as possible. What should I do with a bad credit? First of all, you shouldn’t despair if you have bad [more...]

Date: 2008-09-01 03:41:45

Learn To Build and Manage Your Credit, While You’re Young

Everyone tells you that these are the best years of your life ... credit bureaus—Experian, TransUnion, Equifax. Your financial activities dictate your FICO (Fair Isaac ... established credit. Bounced checks mess up your credit report, so use that check-writing feature wisely [more...]

Date: 2008-08-16 03:56:51

French Premier Francois Fillon: We’re on “the edge of the abyss” By Mike Whitney

Dandelion Salad Note: I added the video that Mike Whitney cited ... and removing their money from the banks and money markets which is intensifying the freeze in the credit ... since the Great Depression. It’s madness. If something is not done to increase the flow of credit [more...]

Date: 2008-10-06 23:51:16

180th Carnival of Personal Finance

Hi and welcome to the 180th Carnival of Personal Finance.  This is my first time hosting the Carnival of Personal Finance and I’m excited to do so!    If you are interested in hosting or submitting to the Carnival please check out the website. My name is LAL and I’m a twenty-something DINK writing about my journey to one day live large [more...]

Date: 2008-11-24 14:05:11

Don’t Pay Off Bad Credit

Step three in the “Should I Buy a House Now” series is somewhat of a sidetrack ... towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long time ... your bills on time, that you have good credit.  Paying your bills on time only accounts for 30% to 35 [more...]

Date: 2008-11-11 17:02:59

Secured Credit Cards & Secured Loans Can Help Build Your Credit History

Secured credit cards and secured loans are an alternative to signing up for a regular credit card in order to build your credit history ... and is looking to build up her credit history so she can buy a home in the future. I’ve recently graduated from college with two degrees, no loans, no debt, but no credit. I didn’t take out a credit card [more...]

Date: 2008-08-24 17:12:14

Repair Your Bad Credit Now

Crying on your bad credit record will not provide you the solution you need to make you qualified for the loans you need ... and investigate it to the credit report agencies to see if they can fix the inaccuracies ... . It is very crucial to fix your bad credit record, which is why you repairyourbadcredit.com is offering [more...]

Date: 2009-01-16 13:53:53

Building Credit History

Building your credit history is important in today’s time, especially since the laws are changing ... . To build credit you have to keep constant watch of the activities on your credit report. To obtain ... we have excellent, or at most good credit history. Credit is important to rent, obtain student loans, and apply [more...]

Date: 2009-01-16 07:54:57

More Inactive Credit Cards Being Closed: Protect Your FICO Credit Score

If you haven’t heard already, several large credit card issuers (Chase, Washington Mutual, Citibank, Capital One, HSBC) ... . This is their legal right, but it can also negatively affect your credit score. Here’s why and some steps that you can do about it: How Can Closed Credit Cards Affect My Credit Score? FICO [more...]

Date: 2009-01-07 11:48:09

Another Great Depression

[JR: It took the U.S. government and all the professional(???) ... pondering.The National Bureau of Economic Research reckons that the present recession began in December ... more than 30,000 cuts."The monthly unemployment report is prepared by the Bureau of Labor [more...]

Date: 2009-01-16 19:28:00

Explainer: How the Senate Rescue Bill Is Different

Explainer: How the Senate Rescue Bill Is Different By Ben Pershing Two days after the House failed to pass a financial rescue bill, sending the stock market into free fall, the Senate will take its own shot tonight by voting on a measure with extra sweeteners designed to attract additional votes [more...]

Date: 2008-10-01 17:10:57

Madoff Scam: "He’s a person of integrity..."

A: Waking up this morning here to plenty of news; Senate votes down auto bailout as Harry Reid states "No more talks on auto bailout.. ... 2009 to see many Manhattan based hedge funds close their doors. A report by Morgan Stanley expects [more...]

Date: 2008-12-12 14:24:37

China Announced $586 Billion Stimulus Plan

We have gotten so large to throwing large numbers around in the US thanks to the various Fed facilities that the significance of the Chinese move ... will be deployed over two years. The report in the Wall Street Journal also suggests that some of the spending [more...]

Date: 2008-11-09 20:39:11

Something Very Strange Is Happening

Fraud Daily Wealth: Something very strange is happening in the financial markets ... several months. As bad as things are now, they’ll get much worse. They’ll get worse for the obvious ... income verification, without down payments, and without legitimate appraisals. As bad [more...]

Date: 2008-10-05 18:31:24

Orchard Bank Credit Cards

by Daniel Moskel The Orchard Bank credit card is issued by HSBC Bank. This is a sub prime credit card. This card has a unique application process. When you apply they will match your credit score to one of four sub prime credit cards ... on your report. This is an important factor when your score is being calculated. It makes up approximately [more...]

Date: 2009-01-16 07:32:21

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