Sunday Money Roundup - My Cluttered Life Edition.

Boxes, Boxes, Boxes for as far as the eye can see. Don’t you hate when you are packing to move and then you realize you need something that you ... her first credit card because she needs to build up her credit history and credit report. Wish ... in the Festival of Frugality #129 this week, hosted over at my friend Money Ning. My post “29 Free [more...]

Date: 2008-06-15 14:00:40

Blog posts (193) | Videos (178)
 

Timeline for Negative Credit History

by William Blake Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious ... even get a good job. Fortunately, a negative credit report is not permanent and thus can be made better. After seven years, the majority of the undesirable contents of a negative credit report [more...]

Date: 2008-12-20 08:42:43

You are taking the Plunge! Tips And Tricks To Rent Your Home for Inauguration 2009 and Beyond!

Contracts?  Security deposits?  Background checks?  Credit history?  Who thought renting out your home for a few extra bucks could be so complicated? ... www.YouCheckCredit.com, which costs roughly $15 per report.  Credit reports with no score can be hard to read.  Get a credit report that is scored, so that you don’t have to guess whether they are cr [more...]

Date: 2008-12-10 20:40:12

If It's My Credit Report, Why Can't I Fix It Or Always Have It For Free?

For all the concerns people have about internet search, privacy and "all that info Google knows about us," ... -- it's just some company that chooses to report my credit history without my consent or cooperation. Nevertheless ... , to see the actual number listed, I'd need to request a copy of my credit report, and that would [more...]

Date: 2008-11-20 18:34:10

Negative Credit History Timeline

by William Blake Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious ... even get a good job. Fortunately, a negative credit report is not permanent and thus can be made better. After seven years, the majority of the undesirable contents of a negative credit report [more...]

Date: 2008-12-29 13:50:17

Improving Your Odds of Getting Approved for a Mortgage

by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... on what your financial history is like. If you aren’t sure what it is, get a copy of your credit score and your credit report. Banks look at your credit report and score to determine what their risk is [more...]

Date: 2009-01-09 18:30:22

4 Free Reports With Your Personal Insurance, Employment, and Tenant History

Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) ... of information contained in private corporate databases. But in addition to credit information ... report free every rolling 12-month period. Insurance Claims History If you would [more...]

Date: 2008-06-04 11:08:42

Checking Your Credit Score

Most people don’t know their credit score. What does that mean? ... debt. Never close your oldest accounts because they can add valuable history to your credit report. Set ... those that do not. Check your credit report regularly. Keep it free of inaccuracies and mixed [more...]

Date: 2008-12-23 11:58:12

America's 10 Most Stressful Cities [Most Stressful Cities]

WaMu Begins To Sell Itself ... views, Comment Credit History PRBC Helps You Create A Credit Score From On-Time Rent, Bill Payments Payment Reporting Builds Credit (PRBC) is an alternative credit reporting agency [more...]

Date: 2008-09-18 20:13:47

Recognizing a Credit Repair Scam

by David Wada Companies target consumers with poor credit histories all the time, making promises to fix their credit report so they can get their dream car, a bigger home, health ... is, these companies cannot deliver an improved credit report using the ‘unique’ tactics they promote [more...]

Date: 2009-01-16 04:06:09

Buying A House? Check Your Credit History Now

A lot of my friends are thinking about buying, or have already bought, a home this summer ... each year, which means there’s a uncomfortable chance your credit report will have something wrong ... your claim. Check your credit history for free at the government mandated AnnualCreditReport website [more...]

Date: 2008-06-06 17:53:23

Free Credit Reports

When I started blogging I became more aware about making transaction in the internet ... . They copy or stole the codes of your credit cards. The owner of the card has no idea ... reports and your credit history rating. You can do this online. It’s so easy and fast, plus hassle-free [more...]

Date: 2009-01-10 05:08:00

Free Credit Reports Through the Generations, Part I

Finances are something that often change dramatically over a lifetime ... no matter what stage of our life we are in is our credit report. Once we begin our lives as consumers making financial decisions, the history of these decisions is played out on our credit report [more...]

Date: 2008-10-28 17:19:20

Dome, death and history......

An extra credit report: Some years ago James got mad at Dome for reporting things not in line with his views, the correct view ... hold his breath until he turned blue. And BlueNC was founded. The history of North Carolina is full of interesting stories like this. Visit your public library today and ask for books on North [more...]

Date: 2008-10-09 14:51:02

Credit Repair Agencies - is it a scam ?

It is important to have a good credit history in difficult economy.  It is especially important if you are buying or refinancing a house ... fix for creditworthiness.  You can improve your credit report legitimately, but it takes time ... is that negative, yet legitimate info can stay on your credit report for 7-10 years, under federal law [more...]

Date: 2009-01-05 03:36:53

Ovation Credit Services

Credit history is very significant for us to apply and get loans for our vehicles,house etc ... with your credit report repair and to assist you in overcoming the bad credit,they are working ... .It is very important for us to maintain an proper credit profile.But it is quite common [more...]

Date: 2009-01-05 17:39:46

Running Criminal Background Checks Explained

by Glen Pearson Ever wondered what went on in someone’s past, but it wasn’t appropriate to ask them? ... about a given person, and may include their criminal record, address history, credit report, marriage ... You might have thought about having a background check done instead. Doing this can tell [more...]

Date: 2009-01-04 10:38:51

Skepticism About Fighting Terrorists With Data Mining

According to the New York TImes, the British government is considering setting up a database of all phone, email, ... for advertising and credit card reporting agencies, it has much less success predicting the behavior ... a consumer's credit history with the history of millions of consumers to predict a person's [more...]

Date: 2008-10-24 18:01:59

Mortgages In Arizona For Canadian Citizens Still Available

This week, we were asked by a few people whether or not it was still possible for a Canadian citizen to get financing on an investment property in ... 75% Loan-to-Value International credit report required Verification of mortgage history on primary ... bank statements Picture ID (Drivers license, coy of passport) If self employed, last 2 years Canadian [more...]

Date: 2008-10-17 03:46:05

Beware Long-Term Cardholders With Perfect Payment Histories, Your Credit Lines May Be Slashed [Credit Cards]

Oliver paid off his Citibank platinum card on time, in full, every single month since 1989, ... up on his credit report. Oliver writes: I’ve been a Citibank Platinum cardholder since 1989 – that’s longer ... gleefully informs me that: “Sir, due to some recent negative information on your credit report we’ve [more...]

Date: 2008-07-20 19:00:00

Sandisk Clip 1GB MP3 Player - $9.99

Hello and welcome to Village Towne Landing, the tri-county area’s premier apartment community for young professional singles! ... a criminal background check, credit history report, Homeland Security background check, drug screening, employment verification, and college transcript report. IDs should be issued within three weeks [more...]

Date: 2009-01-14 06:00:45

New Year’s Financial Resolutions

Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... report and affect your credit history.4. Contribute the maximum to a retirement savings plan ... , come with fees and interest rate charges that are usually higher than your credit card purchases [more...]

Date: 2009-01-09 05:34:00

Beware of Credit Repair Scams

2009 may go down as the year when more Americans resolve to fix their credit than at any time in history – because high scores are now a requisite ... of finding errors is high. In fact, one in four credit reports contain errors. These include data entry ... on credit card debt, so want to feel very certain that you're going to pay them back before they [more...]

Date: 2009-01-13 04:55:48

"The Largest Credit Contraction in History is Here"

"There was a report from Mish’s Global Economic Trend Analysis * who in turn was commenting on a report from Martin Weiss who publishes research at his Money and Markets site. Weiss takes a look at the Flow of Funds report for Q1 published by the Fed. Weiss’s conclusion: The first quarter brought the greatest credit collapse of all time. Open Market Paper: Instead of growing as it had in almost every prior quarter in history, it collapsed at the annual rate of $662.5 billion. [more...]

Date: 2009-07-12 01:58:00

Turning No Credit Into Great Credit In Just 8 Months

by Jim Bransby We all deal with having to start our credit history from zero at some point in time ... for a house and a car, and I needed all three credit agencies to report that my credit was excellent ... , I tried to apply for a credit card, only to find out that no one would extend me credit because [more...]

Date: 2008-08-26 15:20:30

Tricks To Repair Credit Score History

It seemed like just yesterday when you were eating mom’s home-cooked breakfasts and hitting up dad for occasional gas money ... on your report. If you are applying furiously for tons of credit cards, then this indicates that you may ... of managing money. Credit report repair should start with making timely payments, then working [more...]

Date: 2008-12-01 16:49:08

Interview the Expert: FHA Loans

October 21, 2008 Today begins a periodic series of posts spotlighting an interview with a local expert on topics related to the housing market ... on your credit report altogether. FHA also allows those buyers who have  literally no credit history ... + years and in that time has seen it all. She specializes in first time homebuyers, does a little credit [more...]

Date: 2008-10-21 21:39:12

Monty Python/Tolerance/Inclusion/Exclusion/How Obama Got Elected?/Economy/Education/Maria Shriver/Barbara Walters/Philanthropy and more..

Advertisement: Tolerance and Inclusion except for any true to their beliefs A lesson in tolerance from an 8th Grader in Illinois-" ... turned the experiment into a report for her history class and got extra credit?" Christian prayer group ... of all points of view. Boy am I wrong. Imagine if gays were in the streets of a town in Texas praying [more...]

Date: 2008-11-24 18:39:42

Do You Know Who My Da Was?

Ok its time that Old Knudsen jumped in and called a spade a spade ... as if he is looking to the past for tips and hints on how to get the country out of the trouble it is in. Many presidents think history is a credit report and repeat the old blunders which is why we are in yet [more...]

Date: 2009-01-11 20:09:00

September 30th, 2008 - Help Stop Debt Harassment, Learn Your Rights!

Obtaining credit can be fairly simple. If you have a steady job, an acceptable debt-to-income ratio, and no history of serious credit delinquency, you can obtain more credit than you’ll probably ever need. But many in Pennsylvania face the flip ... of Disputed Information on a Credit Report Cost: Single Steps Strategies Members [more...]

Date: 2008-09-29 05:38:41

Credit Card Horror

The availability of credit for anyone no matter their credit history has caused many financial problems for consumers ... card companies report that at least 20% of consumers have maxed out credit cards ... specific sales pitch or ad. If you have a good credit score, (630 or above), you can usually [more...]

Date: 2009-01-16 23:12:15

Running a Criminal Background Check Can Be Very Revealing

by Glen Pearson Are you curious about someone’s past? ... any criminal records, credit reports, previous addresses and more. Naturally, there is a cost ... , such as credit or criminal history, will not show up. Give it a shot, it’s free. In the event [more...]

Date: 2009-01-02 22:27:30

ChexSystems: A Fast Route To Trouble

ChexSystems: A Fast Route To Trouble Not everyone has heard about ChexSystems and, ... , that can be a problem. ChexSystems is a consumer reporting agency, just like Experian, Equifax and TransUnion. Those three are better known, because they report on your credit history and score [more...]

Date: 2008-10-30 15:39:49

FHA Streamline Refinance: Some Changes Effective January 1, 2009

This site is primarily focused on providing information for originators of FHA loans, ... unless the house has lead paint. FHA does not require a credit report, but some lenders may require ... history for the last 12 months (or the length of time the mortgage has been held). HUD’s Credit Alert [more...]

Date: 2008-12-15 17:40:38

What Determines Your Home Mortgage Loan Qualifications

When underwriters consider your home loan application and credit history, they generally look for 6 basic factors ... asking for. Get an Equifax 3-in-1 Credit Report Now! Liquid assets – Loan processors also want to see ... process. The more borrowers understand about their credit, the better they can maintain (or improve [more...]

Date: 2008-12-30 15:28:20

Children and identity theft

OK, so we know that overall identity theft is falling, ... is an interesting one. Rarely do parents or guardians consider the possibility that their child may have a credit history, and thus few will check to see whether their child has a credit report under their name [more...]

Date: 2008-11-18 21:07:16

4 Essential Tenant Screening Steps

by Linda Rolandis In today’s world, crime affecting landlords directly is at an all time high, ... , false credit reports, and criminal activity. Tenant screening is an essential endeavor to ensure ... also include information pertaining to the tenant’s credit history and/or their ability to make [more...]

Date: 2008-11-26 01:08:57

Goodwill Adjustment Letters

If you’ve ever gotten an insufficient funds fee or a over-the-limit penalty fee or a late payment penalty fee, ... like you to consider removing the negative payments from my credit report. I have been a very happy ... ), you can employ this strategy in a vareity of places… including your credit history [more...]

Date: 2008-11-12 12:52:21

Free Credit Report 3-in-1

A good reputation and credible name is something that we all want in our life ... of your credit history online from three major bureaus where the lenders get their basis for approving ... with a bad record or worse a bad credit reputation. Sometimes even if we don’t have loans [more...]

Date: 2008-11-16 14:30:00

Things to Consider Before Availing Car Loans

Everyone has a dream to own a car. Cars have become a basic need in our life ... interest rates, a secured loan is a good option • Get hold of your credit report to avoid the chance ... to keep your property at risk, then go for unsecured loans. Many people having poor credit history [more...]

Date: 2009-01-16 11:53:13

The Perfect Storm

Article written for Paragon's 4th Quarter 2008 Newsletter by Dave Young, president ... markets in modern history. A severe credit crisis, overseen by inept incoming and outgoing politicians ... a report in December stating that stocks are 60 percent undervalued. How did we do? Considering [more...]

Date: 2009-01-07 22:07:06

Why banks shouldn't be given government help.

Banks are the property of their shareholders, and may act in accordance with the best interests of their shareholders in mind ... of my payment history. I have never missed a payment. When you pull up a TransUnion credit report ... from a bank recently. You may have heard about banks calling in lines of credit. Essentially [more...]

Date: 2008-12-19 19:18:31

Houses, Credit Reports, Lenders….ACK!

Wondering about buying your first home? Are you ready to move up or down-size? Have you heard they aren’t making loans any more? ... terms Lenders want: *Stable work history; Two years Employment in the same field is considered ... your needs. *Good credit; your credit score needs to be 620 or higher, in most but not all cases. FHA [more...]

Date: 2008-11-08 12:00:06

Where Any Sale Is A Prized Event

The Associated Press reports on Florida. “Al Ray is so strapped for cash, the only time he eats out is on Wednesday or Sunday, ... of their income or more on housing costs, according to 2007 data released Tuesday by the U.S. Census Bureau ... $250,000 a year and had an impeccable credit history.” “Then he lost his job. Provost missed one $10,500 [more...]

Date: 2008-09-23 13:38:07

RICHARD RYDZE SPEAKS....AND MORE STILLER NEWS

One of the most under-reported stories in Pittsburgh sports history has to be the case of Dr ... with the team in 2007. I distinctly remember a report that he had purchased $150,000 of HGH on a credit card, which probably didn't look good given today's touchy atmosphere on that topic. Today, ESPN [more...]

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

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

Tories versus loan companies

Tory Housing Spokesman Grant Shapps recently published a report entitled Pay-Day for Loan Sharks which complains that companies lending small sums of ... between companies without losing their credit history and this will force down rates.If Shapps ... 10,000% APR. The big conclusion here is that lack of competition in the Payday credit market [more...]

Date: 2009-01-09 12:08:03

A ‘Credit Cycle Bust’ That Cannot Be Stopped

This is no ordinary downturn. After the biggest credit bubble in history, we face a correction on an unimaginable scale. Make no mistake about it: This is a credit-cycle bust that the government cannot stop. The losses ... is an excerpt from Bill Bonner and James Davidson’s crisis report, How to Survive and Prosper [more...]

Date: 2008-12-05 18:45:23

Tuesday links: cash on the sidelines

There is a lot of cash on the sidelines.  (Bloomberg.com) “Confidence is a fragile commodity.”  (FT.com) ... of index volatility.”  (Daily Options Report) High yield bond spreads have come in…a little bit ... scenarios for 2009.  (Infectious Greed) The global credit crisis as history.  (Real Time Economics [more...]

Date: 2008-12-30 19:16:38

Did Obama Get a “Sweetheart” Mortgage Deal?

Did Obama Get a “Sweetheart” Mortgage Deal? July 10th, 2008 by JAZZ SHAW As reported by The Hill, ... Obama’s home mortgage. Judicial Watch, a conservative legal watchdog group, filed the report after ... such as competitors’ rates, how much of a down payment you make, your credit history, income, and a variety [more...]

Date: 2008-07-10 10:54:54

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