What are your alternatives for filing bankruptcy?

The term ‘bankruptcy’ conjures up an image of someone publicly disgraced and broke ... for long. It will remain on your credit report for nearly 10 years due to which no reputed lender ... as a part of the Insolvency Act of 1986 and is a legally approved debt solution. When you opt for an IVA [more...]

Date: 2009-01-16 08:28:53

Blog posts (772) | Videos (513)
 

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

Over 50% of Mortgage Mods Fail Within 6 Months

The stock market is staging a very peppy rally on the hopes for the Obama infrastructure plan and the auto bailout, ... recent mortgage reports,” Dugan said. “Credit quality continued to decline across the board ... . We have long advocated mortgage modifications as a remedy that banks used fairly freely in the stone ages [more...]

Date: 2008-12-08 17:21:49

Update: who is going into foreclosure?

How do we help people in foreclosure? Or, is the question still, do we help people in foreclosure ... delinquent again within 10 months, according to a Credit Suisse report. A couple of disturbing numbers ... has proved hard to fix: Falling home prices: More than 23 percent of home owners with a mortgage owe [more...]

Date: 2008-10-30 13:41:47

Media Digest 10/23/2008 Reuters, WSJ, NYTimes, FT, Bloomberg

According to Reuters, former Citigroup (C) CEO Sandy Weill may start a fund to invest in distressed financial companies ... Street Journal writes that credit card losses will get worse next year. The Wall Street Journal reported that lay-offs rose sharply in September. The Wall Street Journal reports that Credit Suisse [more...]

Date: 2008-10-23 08:01:23

Money Hacks Carnival #31 — Crisis And Bailout

Well, looks like we are having a rash of carnival crises here ... Your Child A Millionaire! at My Family’s Money. Credit and Debt How to Put a Fraud Alert on Your Credit Report at Military Money Might. How to get out of Debt at Liberta - Freedom. After Debt? at Living [more...]

Date: 2008-09-25 02:51:28

Sunday's NYT: The Drive-by Edition

Throwdown! Frank Rich turns the financial crisis into a movie review, sort of. News you already knew! ... to spell that. Credit report and DNA chart please. Welcome to 2007! The Times discovers ... and stones and names all hurt. "When greed trumps lust, and fraud is more fascinating than [more...]

Date: 2008-12-22 01:03:27

Get a new house with bkr loans, 474007 euro in one day

Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. And of course, each loan and each borrower are different ... in processing the loan, to appraisal and credit-report fees, among others. It is a transfer ... , compare the fees at each mortgage company you’re considering. So how do you find a lender [more...]

Date: 2009-01-15 21:15:03

U.S. Government Default?

Greg Ip reports:Thanks to the advent of credit derivatives -- financial contracts that allow investors to speculate on or protect against default -- we can now observe how likely global markets think it is that Uncle Sam will renege on America's mounting debts. Last week, markets pegged the probability of a U.S. default at 6 percent over [more...]

Date: 2009-01-13 12:36:00

How To Deal With Bankruptcy, a Job Hunt and The Wild Stock Market

I always enjoy going to Ginger’s site — the blog called “Girls Just Wanna Have Funds” ... . Credit Card: How To Dispute An Item On Your Credit Report In the meantime, Dollar Frugal hosts [more...]

Date: 2008-10-08 16:07:31

Just Tricks…No Treats for Friday’s Rates

Mortgage rates continue to trend upwards like mummies crawling out of their graves.  (Sorry…bad reach. Booooo).  October has been terrible for rates! ... and FHA jumbo loans.    We’ll end next week with the goulish Jobs Report.  Most traders should ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-31 19:48:17

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

Free FICO Score At Equifax (No Strings)

Written on 10/02/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... . As you may know, Equifax is one of the 3-primary credit bureaus in the US and its score is used heavily ... (as promotions do), you can also obtain a free credit report at annualcreditreport.com. While it won't give [more...]

Date: 2008-10-02 12:12:54

Widespread Mortgage Refinance (Good Credit Doesn’t Pay)

Mine won’t be one of the three million mortgages expected to get a new deal via The Bailout ... , to have the right numbers on our credit report. AND a month later when every headline ... , and took the best mortgage deal we could get. Who Wouldn’t Take an Adjustable Rate Mortgage? Because [more...]

Date: 2008-10-30 13:35:53

Credit Fraud Protection From LifeLock

Credit Fraud Protection From LifeLock January 15th, 2009 by paule Subscribe To Our Feed Today, ... on your credit bureau report. So if somebody goes to open up a new financial account with your personal ... often trade personal data as a way of making money. By monitoring the usual places were such activities [more...]

Date: 2009-01-15 13:12:48

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

NYC Commercial REIT's Fall

A: What took so long? Did they forget that commercial real estate was under severe pressure just like residential real estate was 16 months ago? ... is a wall street city facing a wall street crisis? What happened? I heard of a report from a Goldman ... "Credit Crunch: Part II": "Holy Batman! Are you guys paying attention to what is going [more...]

Date: 2008-10-14 19:40:52

Tenants tossed, have nowhere to go

Andre Coleman of PWeekly follows up on his story of the tenants of the apartments on North Raymond.   Twenty of the families have moved out as part of a settlement agreement -- agreement to include that landlord Ahmad Nowaid would not report their evictions to credit agencies.  Nowaid claimed [more...]

Date: 2009-01-15 16:18:52

Why Buyers Should Adopt the Scout Motto

       Be Prepared! Buyers, especially first time home buyers, need to adopt the scout’s motto ... a full credit report and did not send your file to their underwriter for approval. If you are really ... .  Follow their advice.  Many of today’s buyers need to clean up their credit scores in order to obtain [more...]

Date: 2008-07-02 17:47:16

HSBC are thugs (sorry “partners”)

HSBC has gotten a little aggro lately – an analyst dispute widely reported in the FT and other places ... be found here and here amongst dozens of consumer rip-off reports on the web.Bally managed to report ... but they included penalties as per credit cards.  Obviously collection was a problem.  Bally filed [more...]

Date: 2009-01-15 23:27:00

The Menace Of Credit Card Debt

Credit card debt can often be crippling and lead to a lot of stress ... . With hassling creditors, a ruined credit report and a threat of looming bankruptcy, it becomes extremely ... . Even students are not immune as people are getting credit cards at an earlier age and falling [more...]

Date: 2009-01-16 08:41:46

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

Downsizing? An admin checklist

It’s never pleasant when companies have to downsize due to a tough economy ... forms, if necessary Delete company computer access Remove access to company credit card ... : Final time/expense report Final paycheck COBRA notice (firms with 20+ employees) Certification of group [more...]

Date: 2009-01-16 17:43:53

US envoy visits Pakistan to dampen tensions over Mumbai attacks

US envoy visits Pakistan to dampen tensions over Mumbai attacks Islamabad - A senior US diplomat arrived in the capital city Islamabad on Monday ... their weight steady, eating a Mediterranean diet, exercising regularly and not smoking, reports ... .. News Just in Catastrophe Losses, Credit Crisis Push Reinsurance Pricing [more...]

Date: 2009-01-05 07:36:01

Ausra: Big Solar Getting Bigger

Ausra, the startup that’s building massive solar thermal plants in the desert and has already raised tens of millions of dollars from Kleiner ... investment tax credit? The CNET report also said that the company would need two project financings next ... for its Series C. In fact a report from CNET had pegged the round at closer to the $100-$150 [more...]

Date: 2008-08-08 16:15:19

New credit score system ready for ‘09

By next spring, two of three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit ... points because of how the new model fine-tunes the variables it uses to evaluate consumers’ credit use [more...]

Date: 2008-12-15 15:07:34

some things on my mind #5

Got some things, that I just feel like sharing, rambling, or ranting about. So here goes: 1. First things first ... your score by being listed on your Mamma's Visa that has a $5K credit limit, well that ain't gonna ... on January 9th. I strongly suggest that you get your copies of all three credit reports asap to see [more...]

Date: 2009-01-16 19:20:00

Sunday Money Madness - Happy New Year!

Happy New Year Everybody! Let’s kick off the first of this year’s roundup with a bang! ... Bureaus Roll Out New Credit Score Formula for 2009. Finance for a Freelance Life asks Got Gift Cards ... @ Saving to Invest. Carnival Of Credit Report Stories Dec 22 @ Lava. Related Posts Sunday Money [more...]

Date: 2009-01-04 13:07:58

Credit information

  The Trump Blog, I thought the information in Trump’s blog would be worthy to share with you ... It is said that inquiries can cost you 3-5 points each time your report is pulled.  If your credit score i ... much of a risk you really are is by using a mysterious number we all know as a credit score [more...]

Date: 2009-01-10 14:20:37

Few following DIAC in Gershon hiring drive

Most large federal government agencies this week said they had no plans to follow the Department of Immigration and Citizenship's lead in hiring a ... recommendations. Razor: Gershon and Tanner Sir Peter Gershon and Lindsay Tanner (Credit: Brian Hartigan) The Gershon report, which has been endorsed as an action plan by Federal Cabinet, found [more...]

Date: 2009-01-15 05:57:02

Sensible Debt Collection

This post has been republished from the SitePoint Tribune #427 ... the client wants a clean credit report to enable them to secure a loan for a house. Be consistent ... : invoice for final payment 30 days later: reminder notice 7 days later: phone call reminder/request [more...]

Date: 2008-12-21 23:14:08

The deregulation and free markets myth

Walter E. Williams destroys the liberal's claim that deregulation and free markets caused the financial meltdown: News media people, ... Times article, "Fannie Mae Eases Credit To Aid Mortgage Lending" (Sept. 30, 1999), reported, "Fannie ... Report (November/December 2008). The Federal Register, which lists new regulations, annually [more...]

Date: 2009-01-15 13:28:18

Becoming a Subprime Society

From MarketWatch: Foreclosures could top 8 million: ... to a recent report. Credit Suisse’s fixed-income research team forecast that 8.1 million mortgages ... Credit Suisse More than 8 million mortgages could go into foreclosure in coming years in the wake [more...]

Date: 2008-12-10 11:35:04

The Public Library Renaissance

By FREAKONOMICS Photo: Victoria Peckham   Fewer people bought books, CD’s, and DVD’s in 2008 than in the year before ...  major-league sports game attendance. As consumer spending recedes in the face of the credit crisis ...  reports that public libraries around the country are posting double-digit percentage increases [more...]

Date: 2009-01-16 14:47:39

Syaed Ali: The Legal Papers

After the jump you can read the text of the notice of complaint Syaed Ali’s lawyers filed on December 10. But before you do: I like to give credit to the Buffalo News when a story therein inspires ... Ali case: His piece inspired me to be aggravated again that News reporters never credit other news [more...]

Date: 2009-01-16 14:14:23

U.S. Bleeding Jobs; Wall Street Doesn't Seem to Mind

On Friday, December 5, 2008 the U.S. Department of Labor reported a sharp loss of 533,000 jobs in the month of November ... to the National Bureau of Economic Research, today's recession began at December 2007. Friday's report ... that reverberated through credit markets has now debilitated the able-bodied worker. Indeed, labor [more...]

Date: 2008-12-09 12:56:06

It Is The Bank of AMERICA After All

Just nationalize the lot of them and end this. Bank of America, the largest U.S. bank, is seeking billions of dollars of government aid after it realized that credit losses ... to report its quarterly results on January 20. "Bank of America appears to be in meltdown," said Anton [more...]

Date: 2009-01-15 16:38:00

MVP Paul Pierce

So, basically Paul Pierce denied any relationship he had with Vaso Shinas, and said he had no idea how she was able to obtain his credit card number. This was humorous to me because it was discovered Vaso Shinas was using his credit card in Lavern ... a police report when this first happened?) Then Detective Salb discovered a charge on Paul Pierce’ [more...]

Date: 2008-06-19 16:21:05

links for 2008-12-14

Causes: Subprime Lending - The Baseline Scenario Why I Think the Multiplier is Large - Arnold Kling Emerging economies: ... - washingtonpost.com The Serious Badness of the 1980's - Twenty-Cent Paradigms Fed Could Remake Credit Card Regulations - washingtonpost.com Report Spotlights Iraq Rebuilding Blunders - NYTimes.com How [more...]

Date: 2008-12-14 08:06:00

BEWARE OF “FORECLOSURE RESCUE” SCAMS

BEWARE OF “FORECLOSURE RESCUE” SCAMS January 16, 2009 By: credit ... the Times reports. The Federal Trade Commission has already sued five companies representing 20,000 ... . What can consumers do? Be wary of companies that charge upfront fees and promise results, an FTC official tells [more...]

Date: 2009-01-16 15:38:28

Credit Suisse Group (NYSE:CS) - The common stock is attractively valued, despite challenging market conditions. Free research report for 3Q 08 results.

In 3Q 08, Credit Suisse Group’s (Credit Suisse) net revenues declined y-o-y, with non-interest income falling well short of our expectations ... report free of charge with free to view access to institutional-quality research on 400 companies ... markets, which eroded trading income and led to higher provisions for credit losses. Nevertheless [more...]

Date: 2009-01-15 17:09:03

Developments in Iraq

The LATreports on developments in Iraq: "With violence reduced drastically, new cars have become the latest must-have for those who can afford it, ... had to fly in pallets stacked with dollars to pay government employees. Some restaurants even accept credit cards these days."While nobody's reporting that all's well in Iraq, improvements are undeniable [more...]

Date: 2009-01-16 15:02:00

Credit Karma Uses Ad Model to Provide Free Credit Information

According to the 2007 Online Banking Report, approximately one in three US adult consumers monitors or checks their credit score in some form or ... the score is usually only free if you enroll in a credit monitoring service. In this margin-rich industry ... . FreeCreditReport.com and TrueCredit.com, the consumer direct sites of Experian and TransUnion [more...]

Date: 2008-11-25 19:39:56

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

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

Bank of America reports $2.39 billion loss

Escalating credit costs forced Bank of America Corp. to report a $2.39 billion fourth-quarter loss Friday, hours after it convinced the government it needed a multibillion-dollar lifeline. [more...]

Date: 2009-01-16 22:44:48

DTCC Claims Lehman Credit Default Swap Worries Overblown, Net Payments Only $6 Billion

Reader Tim sent us a link to a press release from The Depository Trust and Clearing Corporation which says that the net payout on Lehman credit ... has been the prospect of further bank failures resulting from Lehman payouts. DTCC's report, if accurate ... Misconceptions About the Credit Default Swap Market NEW YORK--(BUSINESS WIRE)-- The idea [more...]

Date: 2008-10-12 13:20:22

Bank of America reports $2.39 billion loss

Escalating credit costs forced Bank of America Corp. to report a $2.39 billion fourth-quarter loss Friday, hours after it convinced the government it needed a multibillion-dollar lifeline. [more...]

Date: 2009-01-16 15:16:20

The SEC, Madoff and XBRL

You probably have never heard of XBRL. If you havent, ... to get up to speed on what XBRL can do. XBRL is a version of XML for financial reporting. To the SEC’s credit ... around XBRL. IN addition, there is no reason why every entity that has to report to the SEC [more...]

Date: 2008-12-16 07:10:54

Best Buy: Piper Upgrades; Sees Benefit From Rival’s Pain

Piper Jaffray retail analyst Mitchell Kaiser this morning raised his rating on Best Buy (BBY) ... s near-term prospects; credit research firm Gimme Credit on Friday cut its credit rating ... . Tomorrow morning, Best Buy will report results for its fiscal third quarter ended in November; today [more...]

Date: 2008-12-15 17:36:12

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