7 Reasons to Use a Mortgage Broker

The House Team Of Mortgage Intellingence asked: For many people, mortgage payments are their single largest expense ... rate guarantee. Preserved credit rating When you shop for a mortgage, there is an accumulation of lender inquiries on your credit bureau report, possibly affecting your credit rating and, ultimately [more...]

Date: 2008-10-30 10:55:19

Blog posts (41) | Videos (12)
 

Questions About Collections? Ask Melissa

Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way.  Consumer debt is not transferable ... the payment.  The agency will report to the credit bureaus that the account is paid, if applicable [more...]

Date: 2009-01-14 13:00:17

Customer Data Stolen From Express Scripts

If your health insurance was through Uniform Medical Plan at any point between 2004 and 2007, it’s time to get a copy of your credit report and put a temporary fraud alert on your credit file ... below the fold). Even if you aren’t affected by this, it’s a good idea to check your credit report [more...]

Date: 2008-12-07 20:56:29

Considering Credit Counseling?

by Rob Kosberg Although repairing your own credit is highly recommended, it is sometimes beyond what you believe to be our capability ... questions. You’re going to want to find out how the process may affect your credit report, debt ... you will find an abundance of agencies with magical sounding claims about fixing your credit [more...]

Date: 2009-01-11 17:38:53

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

Free Isn’t “Free” When It Comes to Protecting Your Identity

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... Alerts for you every 90 days. A fraud alert is a “flag” placed on your credit report that notifies ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]

Date: 2008-06-19 18:31:05

Why Protecting Your Identity is Not Necessarily Free

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... Alerts for you every 90 days. A fraud alert is a “flag” placed on your credit report that notifies ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]

Date: 2008-06-19 18:55:50

DrumBeat: December 12, 2008

U.S. Northeast Heating-Oil Delinquent Bills Top $100 Million (Bloomberg) -- Heating-oil dealers in the U.S ... -credit debt that is ranked in credit-reporting agencies and that affects their credit directly,” [more...]

Date: 2008-12-12 13:55:16

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

Free Credit Report

Most individuals only think of credit scores if they are applying for loans ... score by keenly monitoring the credit ratings and identifying any problems and discrepancies in the process. In addition, the site also gives idea to people about the factors affects my credit score [more...]

Date: 2008-12-31 02:11:23

Nothing is Free When It Comes to Protecting Your Identity

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... in Fraud Alerts on your credit report. 2. Do Not Call or Mail Lists - Another way to protect your identity ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]

Date: 2008-06-19 18:15:14

How Does Bankruptcy Affect Your Credit Score?

For many consumers facing high levels of debt, bankruptcy may seem like the only available option ... clients will see this blemish on their credit report for up to seven years, but the implications don’ ... , as it can be hard to obtain credit, even with a clean slate. After the bankruptcy declaration [more...]

Date: 2009-01-08 02:16:12

Chrysler LLC To Idle Plants For A Month

The credit crisis continues to adversely affect the North American market, with reports that new car buyers are continuing to find it difficult to obtain credit to finance their new car purchases. As... Click through to The Motor Report for the full article. [more...]

Date: 2008-12-18 10:01:47

Recession Gets Worse - The Fix Won’t Kill Ya

Recessions have a ripple effect on countries. Problems that start in one sector quickly spread to another ... and the real estate bubble, is now affecting job (the highest unemployment level in 16 years), credit ... released a report today highlighting the crisis. Here’s the key finding: Nationally, to maintain [more...]

Date: 2009-01-09 22:08:39

Credit Bankruptcy - Essential Information

Someone once said that bankruptcy is essential in order for capitalism to survive ... s credit rating is affected by bankruptcy, with Chapter 7 (basic liquidation) being kept on report ... if they know that this action will remain on their credit record for a long period of time. Even from the beginning, debtors [more...]

Date: 2009-01-16 00:24:18

UAE's Loan Quality To Worsen: Moody's

Source : The Business Times, January 15, 2009(DUBAI) ... the past four to five years,' John Tofarides, a Dubai-based Moody's analyst said in a report. 'These factors will negatively affect the credit environment over the next 12 to 18 months.' UAE's small [more...]

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

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

Cynosure Revenues Fall, as Expected

Cynosure released preliminary fourth quarter results this week: the company expects revenues of $25 million to $26 million; ... had been profitable for eight consecutive quarters, but will report a $2.2 - $2.7 million loss in Q4 ... affected by the economic downturn and tightening credit markets. It’s disappointing but not unexpected [more...]

Date: 2009-01-16 16:36:48

How You Can Remove a Tax Lien

With a tax lien on your credit report your score will be dramatically affected. You should take action to erase this mark from your report. [more...]

Date: 2009-01-15 08:38:51

Pitfalls of Bad Credit Credit Cards

Having lousy FICO scores, as we all know, affects our ability to pull out loans ... you for what you’ve done, they’ll report you to credit rating ... . As for the lending companies that do accept our request to borrow money, the rates [more...]

Date: 2008-12-27 14:35:46

Music Notes: September 23, 2008

Brendan Canning talks new video, next BSS album. Pitchfork Cat Power, Smashing Pumpkins, Death Cab, Wilco, Norah Jones, Jack Johnson, ... Jagger to present report to European Commission. Paste You think the Rolling Stones are old? Check ... credit crunch affect music? The Guardian U.S. TV network airs audio of ex-Blink 182 drummer Travis [more...]

Date: 2008-09-23 08:29:55

A LifeLock Review: Protect Yourself From Identity Theft

by Harvey Warmuth These days you really need to understand that there is a good possibility that you might be affected by the crime of identity ... alerts are placed on your credit bureau reports, with the main agencies. You are then contacted [more...]

Date: 2009-01-05 19:34:53

Free Webinar on New FTC Guidelines for Background Checks

The new FTC Identity Theft “Red Flags” guidelines take affect on November 1, 2008.  Are you aware of your obligations under these new provisions? ... of consumer reports must implement procedures to deal with any notices of address discrepancies they receive from a nationwide consumer reporting agency (mainly credit bureaus such as Experian, Equifax [more...]

Date: 2008-10-15 19:09:58

Malawi ranked 132nd out of 183 countries in economic survey

The World Bank’s Doing Business (DB) 2010 Report has position Malawi as number 132 out of the 183 ranked economies in the world. The report measures a set of regulations affecting ten stages of a business’s life, namely starting a business, dealing with construction permits, employing workers, registering property, getting credit, protecting investors, paying taxes , trading across borders, enforcing contracts and closing a business. [more...]

Date: 2009-10-01 16:37:46

John Pugsley: Exposing Some of Stealth Investing’s Energy Secrets

Ongoing education, excellent connections and a wealth of experience combine to give John Pugsley, editor of Stealth Investor, ... Report: Your Stealth Investor focuses primarily on mining and energy, correct? John Pugsley: Lately ... of this credit meltdown; while it affects the debt markets, the real values are in things that human [more...]

Date: 2008-10-20 14:09:59

Mortgage Rates January 15, 2009

The Producer Price Index (PPI) came out and reflected virtually no inflation on the wholesale side of things ... payment, 740 credit scores, and verifiable income and assets. Rates vary based on borrower profile ... of this report will likely have a significant affect on the markets. I would say that today is a good [more...]

Date: 2009-01-15 20:03:13

DrumBeat: January 14, 2009

DrumBeat: January 14, 2009 Obama energy goal hard to meet: Bodman WASHINGTON (Reuters) ... in energy prices, but this would not affect its $2.3 billion credit facility, the independent oil ... (Bloomberg) — Crude oil fell after a U.S. government report showed that stockpiles climbed [more...]

Date: 2009-01-16 17:22:13

This Week in Background Checks: Week of 10/13/08

Have you missed TWIB Notes?  Okay, pretend you did.  Sorry we haven’t done this in a while ... of credit reports when conducting background checks in California.  This was a surprising turn ... Updates The FTC “Red Flag” Guidelines take effect November 1, 2008.  Among those affected are any [more...]

Date: 2008-10-17 17:36:34

DrumBeat: January 14, 2009

Obama energy goal hard to meet: Bodman WASHINGTON (Reuters) ... prices, but this would not affect its $2.3 billion credit facility, the independent oil and gas ... (Bloomberg) -- Crude oil fell after a U.S. government report showed that stockpiles climbed [more...]

Date: 2009-01-14 13:55:13

ECONOMISTS FEAR ONSET OF HISTORICAL FISCAL CRISIS FOR STATES

The moribund economy is drying up tax revenues more dramatically than expected, forcing 22 states, including California, ... in a report this month. Economists and other observers fear the numbers may signal the onset of a historic ... : Rising layoffs are cutting into payroll taxes. The credit crisis and housing slump are affecting [more...]

Date: 2008-10-19 17:45:46

Timothy Geithner: Obama's Teflon Treasury Secretary

by James Pethokoukis, USA News & World Report Who is Timothy Geithner that upon news of his impending nomination by Barack Obama, ... and Freddie play in the subprime mortgage bubble?" "What role has government policy played in creating the housing and credit crisis?" "How does tax policy affect economic growth?" "What should [more...]

Date: 2008-11-26 16:32:17

JPMorgan temporarily stops foreclsures

Are they being nice or just plain practical?JPMorgan Chase the nation's largest bank and one of its biggest mortgage lenders, ... . The global credit crisis, which began with subprime mortgages, increasingly appears to be affecting a wider range of consumer loans and, according to a report published by First American CoreLogic Friday [more...]

Date: 2008-11-02 09:41:00

Corporate Taxation: A Piece of a Large Problem

Do taxes affect multinational decisions as to where multinationals locate for production and/or reporting purposes? ... a residual tax on foreign income, after providing a credit for foreign taxes paid on that same income [more...]

Date: 2008-09-10 20:35:35

Orange Finance the final failure of 2008

Orange Finance has announced that it has frozen debenture redemptions and stopped paying interest while its trustee decides whether to call in receivers, according to a report in the NZ Herald. This is the 44th finance industry failure in New Zealand during this credit crunch, and takes the total amount of investor funds affected [more...]

Date: 2008-12-31 20:41:34

Sterling Exchange Rate Forecast

This report will focus on the outlook for Sterling, and how further interest rate cuts by the Bank of England this week may affect the pound ... rate, with the country's largest mortgage lender, Halifax, reporting a 16.2 percent annual decline ... since the recession of the early 1990s. The credit crunch has led to thousands of job cuts in many [more...]

Date: 2009-01-05 08:54:00

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

Millions Affected by Small Fraudulent Charges Nationwide

Internet complaint boards have been busy and credit card fraud departments are scratching their heads ... is trying to find out whether an illegally obtained credit card number will work before making a bigger charge, or they’re trying to rip off tiny amounts from tons of people.” So far, most reports [more...]

Date: 2009-01-13 18:00:58

NACUBO: The FTC's Red Flag Rule Identity Theft Prevention Rule May Affect Colleges

The National Association of College and University Business Officers notes that the FTC's Red Flag rule likely applies to colleges ... of consumer reports must develop reasonable policies and procedures when they receive notification from a credit agency that there is an address discrepancy. Second, that financial institutions [more...]

Date: 2008-09-26 17:00:00

Liens

If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

Credit Nexus : Get 3-in-1 Free Credit Report

Posted on Wednesday, January 14, 2009 No Comments Labels: affects my credit score, improve credit score, ... one website that teach you how to remove credit report errors? One thing is sure, first time I realize ... remove credit report errorsCredit Card - is a part of a system of payments named after the small [more...]

Date: 2009-01-13 20:04:00

Best Credit Repair - Outdated Credit Fixing Techniques

Having bad credit report affects you in all financial aspects of your life, there is strongest reasons then, justifying a credit fixing as soon as you can, you will get the benefits of lower interest rates on all kind of loans you apply for. However, there some important points to take in consideration when you ... [more...]

Date: 2008-12-27 19:00:59

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