Helping Yourself Qualify for a Home Loan
There are a fair number of specific helpful suggestions to make in helping you purchase a home. All of them revolve around the loan ... , but if you don't have at least two open lines of credit, a given reporting bureau may not report a score ... thing is to get a credit score above 720. If you're there already, keep doing what you're doing [more...]
Date: 2008-06-20 13:39:52
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Stolen credit card numbers become most popular items for sale on criminal chat channels
Omaha, Nebraska (CaymanMama.com) — Security firm, Symantec gathers the figures of online fraud to ascertain the depth and extent to which cyber ... who specialize in credit card fraud have a credit line of over $5 billion. The news report projects ... attacks and magnetic strip skimmers, are designed to steal credit card information.” The report [more...]
Date: 2008-12-01 17:28:20
Tightening Consumer Credit Standards
According to a Federal Reserve survey of senior loan officers at major banks, ... % of banks report that they’ve been actively lowering credit limits, with just under 40% saying that credit ... 52% of banks reported that they’ve increased the credit score required to secure a line of credit [more...]
Date: 2008-12-29 15:00:51
When you overdraw your checking account does that effect credit??
don't mess with your credit That is exactly what someone plugged into a search engine to get to my site! I love it - bad grammar and all ... , you can bet that your credit score will take a hit. Also, if you use an overdraft line of credit ... the bank is going to report you to the credit agencies. But if, however, you continue doing so every [more...]
Date: 2008-09-10 16:07:32
annual credit report
If you use any kind of electronic commerce--credit cards, atm, on-line bill pay, etc--you must be vigilant in regards to your identity ... (FTC) advises consumers who order their free annual credit reports online to be sure to correctly spell ... just to review and keep up to date with how creditors determine your credit score.This is what the FTC [more...]
Date: 2008-02-19 22:01:00
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
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
second residential mortgage
If you are still confused about what a second residential mortgage loan is and how you can use it to your advantage, you are literally losing money ... mortgage, check your personal credit report to ensure that your credit score has improved. Lenders ... loans.The other type is a “home equity line of credit” or HELOC. The main difference between the two [more...]
Date: 2009-01-14 10:43:37
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
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
Will Credit Cards Become Unfashionable in 2009?
Credit Cards Credit Cards DALLAS, Dec 28, 2008 / FW/ — The Platinum Card has been the fashionista’s BFF for a very long time because how else can ... report their line of credit was decreased. A whopping 44 percent say their line was unchanged; 41 ... Series: Fast track to becoming credit savvy. To view Bankrate’s Financial Literacy 2008, go to http [more...]
Date: 2008-12-28 12:09:15
Credit Card Updates and the Sad State of Affairs
Katybug scored a Chase Continental Mastercard with a huge $1900 credit line. The size of the line is not important but the size of her bonus is ... our credit report clearly shows our South Carolina address. We will send it all off tomorrow ... . Her Citi Aadvantage Platinum Worldcard approval is delayed. They want a copy of a pay stub, phone bill [more...]
Date: 2008-11-30 11:23:59
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
Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-01 20:33:13
Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-20 13:16:13
Potect Yourself From Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-20 13:12:15
Potect Yourself From Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-11 09:32:42
ONE Tip for 2009 - Identity Theft Still Rampant so Sign up for Lifelock.com
I got this email from some very close friends yesterday who were asking to spread the word about their identity thefts: ... in custody. We have had credit card fraud, checks cashed, new accounts opened on line and in stores ... more issues on my credit report before it is over. I am going to have to testify against the woman [more...]
Date: 2009-01-01 19:51:24
Los Angeles Mortgage Rates Report: January 14, 2009
The US Treasury Department has been supporting the mortgage bonds market, in order to keep mortgage rates under 5% ... , their funding line gets filled up. Imagine a funding line (sometimes called a warehouse line of credit) like a big credit card, Normally, a big bank needs, say $100 Billion for its line. The unexpected [more...]
Date: 2009-01-14 06:35:15
No Financials Required - Commercial Lending
If you search the internet for factoring or accounts receivable financing programs you have probably seen many companies claim, ... companies (”factors”) without financial statements. As a small business owner that performs multiple ... for your company without having to prepare a large amount of reports. But can a bank loan or line of credit [more...]
Date: 2009-01-08 01:40:00
TD Rate Down 0.15%
That is the epilogue to the Bank of Canada rates dropping by 0.25% yesterday, so TD again shaves 0 ... back that 0.1% is if they find they are losing income from people with loans or lines of Credit taking ... , I will investigate and report on them). It’s interesting that TD announced their “prime” to be 4.00 [more...]
Date: 2008-10-22 10:40:15
The Early Bird: September 18, 2008
Central Banks Announce $180 Billion Credit Line To Encourage Lending In a move aimed at easing a worldwide credit crunch, the U.S ... of central banks that will, in turn, provide new lines of credit to firms who would otherwise face ... will no doubt take some lumps today following an AP report that notes he's never visited or held official [more...]
Date: 2008-09-18 14:14:03
Credit Card Lenders Clamp Down Hard
Consumers are in a newly austere mood, and those who have lived beyond or at the edge of their means may be forced to retrench whether they want to ... , some can come back to haunt consumers. The result can be a lower credit score, which forces a borrower ... or not. The New York Times reports that credit card issuers are cutting back on their lines [more...]
Date: 2008-10-29 03:50:36
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
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
The Identity Theft Epidemic : What The Experts Aren’t Telling You
Picture yourself walking down the street, all alone. It’s late at night ... , when they could simply use a person’s information to obtain employment, credit cards, and lines of credit ... for several years, and there has been a large public awareness campaign since the FTC Report in September [more...]
Date: 2008-10-18 07:42:48
The Affects of the Fed's Rate Cut on Consumers - December 17, 2008
So what does yesterday’s Fed rate cut mean for the average consumer? In a statement made Tuesday afternoon, Fed Chairman Ben Bernanke confirmed the report ... . It would be here that home-equity line of credit and certain credit cards with variable interest rates [more...]
Date: 2008-12-17 20:49:00
“FINANCIAL FRAUD”
Credit Card it’s just plastic, but when your credit card falls into the wrong hands, it may do more harm than you can imagine ... process.” 3.Know you credit card company’s 24 hours hot line 0 in case you need to report a lost ... of the card) and other account information to anybody. “Your credit card issuer will not call [more...]
Date: 2009-01-16 05:22:37
Who’s At Fault for Economic Crisis - Everyone: Tom Friedman
I would encourage everyone to read Thomas Friedman’s column in the New York Times today. Along those same lines check out PBS’ Now and their report on the credit rating agencies and their role in the financial crisis. The first three grafs: I spent Sunday afternoon brooding over [more...]
Date: 2008-11-26 14:57:32
Jan-10-We are in double digit days already
Very frosty morning today as you can see from the view from my study.Sermon preparation all day today-though I will try and go for a walk later ... . I am pretty sure I have written enough to get hung already. God help us.Not much more to report really ... FOR PURCHASE RIGHT NOW! SECURE ON LINE PURCHASE. ALL DEBIT AND CREDIT CARDS ACCEPTED. Click [more...]
Date: 2009-01-10 08:40:00
Banks Supposedly Will Cut Consumer Credit Card Lines by $931 Billion if Reforms Mandated
There is a rather amusing story at the Financial Times tonight, "Credit card reforms ‘to cost banks billions’". Let's look at the particulars ... that banks will lose $10 billion in interest annually, reduce credit lines by $931 billion, and put ... not get anyone well known for banking expertise to put its name on a self-serving report [more...]
Date: 2008-12-15 01:59:42
New Feature: Cutback Tool Helps You Save On Recurring Monthly Expenses (Or How I Caught WaMu Skimming My Savings)
Looking for a quick, sustainable way to make a positive impact on your bottom line? ... . Several beta testers reported charges of $14.95 for freecreditreport.com, a credit monitoring service ... . If you choose to cut an expense, we’ll show you how long you have to cancel the service before [more...]
Date: 2009-01-14 17:23:46
"Amazon" Thanksgiving Day Parade?
Amazon had it's "best season ever." (results from Macy's 2008 holiday season results have yet to be released) But make no doubt about it ... payable in 2012, along with its bank line of revolving credit. So the "paradigm shift" I've ... . Analysts agreed Amazon's report was good news for the online shopping giant, but they were divided over [more...]
Date: 2008-12-29 17:32:00
Tribune Company Weighing Bankruptcy
Tribune Company is considering whether to file for bankruptcy, according to several news reports out today ... how seriously Tribune is considering bankruptcy, according to a cautiously written report in The New ... . has cash and could draw on an existing line of credit with its senior lenders to pay Monday's bill [more...]
Date: 2008-12-08 20:57:31
A week before Christmas, layoffs spread
POSTED BY STEVEN WEVODAU A growing number of companies are sending workers a grim holiday message: Head for the unemployment line. Aetna Inc ... to report that jobless claims remain near their highest point in 26 years. Economists surveyed by Thomson ... credit makes it harder for them to borrow to fund operations, Behravesh said. The combination means [more...]
Date: 2008-12-18 20:42:08
Information trickle down
UPDATE: 7:45PM NZDT:ODT reporting:ANZ and National Bank have announced they are dropping their fixed-term mortgage rates ahead of the next Official ... fall in line with what the RBNZ does on 29 January.-- UPDATE ENDS RNZ reporting that the S&P credit rating downgrade has affected our dollar. I have always said that credit rating agencies will trigger [more...]
Date: 2009-01-13 22:43:00
It's the Economy, Stupid
The Labor Department today reported that business productivity surged to a revised 4.3 percent annual rate in the second quarter of the year ... measure quality of output.)Higher productivity keeps inflation in check. When companies can produce ... of their lines of credit because the housing bubble has burst. The result? Employers can't sell [more...]
Date: 2008-09-04 12:27:00
Did America Get Punk’d on the Bailout?
Did America Get Punk’d on the Bailout? Posted by James O'Rourke on December 18, 2008 By David Sirota, Campaign for America’s Future ... , the major claims about a credit crisis that justified Congress cutting a trillion-dollar blank check ... false. For instance, take a look at line 1 and line 5 of this December Federal Reserve report on bank [more...]
Date: 2008-12-18 16:01:10
Looks like another financial tsunami is coming!
Photo by Faces of California Photo by Faces of California The deterioration in economic and corporate data continues ... is declining in value) as customers cancel orders. Bank and other supplier credit lines are being cut… ... into Q4-2008. Now its being hit by exposure to Madoff. I just read a research report from a large [more...]
Date: 2009-01-15 04:05:14
Seniors a Favorite Target of Identity Thieves
When seniors get taken advantage of in group homes they may not report it; afraid of being ridiculed, ... in northeast Texas when she received a disturbing American Express bill - The total was over $5K ... in handcuffs. The high end department store where she had blown her victim’s credit line had video [more...]
Date: 2008-12-15 20:41:57
Tron Sequel Will Be In 3-D
As Dom was kind enough to report earlier, the acting line-up for TR0N 2/TRON 2 ... commercial director Joseph Kosinski (whose only IMDB credit was once being attached to the LOGAN’S RUN ... person view from inside a light cycle, which should be pretty spectacular. tron_game_reactor [more...]
Date: 2008-12-21 19:32:27
Sucky Stocks Increase Reverse Mortgage Biz
by Rimj Vanrock I understand the stock market may be down a little. What? Did you say 40%? Well I know it is somewhere around that figure ... : You may consider using a Texas reverse mortgage to invest. Learn first and read this report. Also ... a bunch of money in the market. Is having a bunch of money in a line of credit really going to help them [more...]
Date: 2009-01-06 02:10:17
It’s Payback Time
From the Pioneer Press’ Inver Grove Heights Police Calls: I always heard old people drive tanks, but here’s the proof: Hit-and-run accident: ... for the damage. I guess I should think twice before confronting someone over line jumping: Theft of credit card: A shopper at Best Buy, 1350 50th St. E., called police at 9:45 a.m. Dec. 23 to report a [more...]
Date: 2009-01-16 17:04:42
GM and Chrysler get US$17.4 billion bailout
They’ve done it, the Detroit boys have managed to secure federal emergency loans to execute their plans to stay afloat ... by law, firms must allow the government to examine their accounting books and records, firms must report ... , the healther of the Detroit 3, is still asking for a US$9 billion government line of credit in case [more...]
Date: 2008-12-21 09:09:13
Expensify: A new take on expense reporting
Business travel seems to be one enormous headache, with the long security lines, the new fees for luggage, ... travel is what happens after your return to the office: the dreaded expense report ... your credit card information. They send you a brand new Visa debit card, which you then use [more...]
Date: 2008-09-24 11:30:59
Cut Costs On Your Restaurant Bill – Eat At Home
This is a guest post from Trisha Wagner, a freelance writer for DestroyDebt.com. Destroy Debt is a debt community featuring debt forums ... with staggering debt levels, unemployment and reaching the end of their credit limit. The restaurant ... my son to his favorite restaurant after receiving a good report from daycare. As we got in line [more...]
Date: 2009-01-06 11:00:02
Government help for small business: The key points
Working Capital Scheme - Open to “ordinary-risk” businesses with a turnover of up to &beat500m - Government will guarantee up to 50pc of new and existing working capital credit lines ... Fund - A £50m fund to convert businesses’ debt into justice, announced in the pre-budget report [more...]
Date: 2009-01-16 08:09:09
Refinances Booming? Not As Much As You Think
Discount all the reports you read about Americans lining up to refinance their mortgages and take advantage of the lowest rates ever ... , most often because their credit isn’t good enough or they don’t have sufficient home equity ... These are people who have good credit, who have had been in their homes a long time, people who already [more...]
Date: 2009-01-16 00:46:03
Flextronics Shrs Plunge; Sanmina, Celestica Also Crumble; Report All Three Companies Losing Alcatel Business
If the world is going to cut back buying PCs, cell phones and all other things electronic, ... targets. Credit Suisse’s William Stein lowered his target to $4, from $6, while keeping his Outperform ... billion in revolving credit lines. In an attempt to explain the massive selling in the sock, he says “ [more...]
Date: 2008-11-20 12:12:00
Game Day New York
Game Day New York 6:20 AM Dave Johnson checking in from New York… ... left knee)…full credit to him after a sluggish perioed he worked hard..got back in the line ... Report Posted: January 14th, 2009 under Wizards. [more...]
Date: 2009-01-14 11:36:52
