Debt And Bill Consolidation

Debt and bill consolidation is the practice of paying off many loans with one loan ... the chances of missing a payment, which could adversely affect one’s credit score. Sometimes, debtors ... . There can be sizeable gains from reduced interest rates, since credit card interest rates are substantially higher [more...]

Date: 2009-01-16 13:16:08

Blog posts (96) | Videos (167)
 

Borrowing Beyond your Limit can Result in Consumer Debt

Consumer debt has risen to worrying percentages in the past few years ... of the loan, how much the borrower is able to pay back per month, their current credit score ... debt can be acquired in various forms, including through a credit card or a payday loan. There are many [more...]

Date: 2009-01-17 00:24:29

Sometimes, You Gotta Flush Twice.

Obama pieces together economic planObama released a report from his economic team that claimed a $775 billion economic stimulus package he is ... . With no savings account, and a low credit score, they are hardly rich. You're rich when your money ... the minimums on your credit cards, and just the interest on that jumbo mortgage doesn't make you rich [more...]

Date: 2009-01-10 16:09:00

Visa Black Card: 1% Cash Back, 0% APR Balance Transfers, Concierge, and Luxury Gifts

Visa is introducing a new credit card catered to consumers who spend $50,000 or more a year ... for the card. Some who are accepted have average credit scores and low income. This is not what you would [more...]

Date: 2009-01-09 13:00:02

Catching Up

So.  I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]

Date: 2009-01-16 05:41:49

New Site for Financial Info

Just for fun I took the Bills IQ test and passed with flying colors ... they also have info on Credit card debt, a subject that is of vital interest to all investors and home buyers because of how it can impact upon your credit score. I used to think that financial information [more...]

Date: 2008-07-10 05:29:41

Credit Scores and Mortgage Loans: What Is The Minimum FICO Score?

Many people I talk with have had a few issues with their credit in the past.  Maybe an unpaid cell phone bill that went to collections, a few lates on a credit card, some have even filed bankruptcy in the past. Usually, if someone is worried about their credit [more...]

Date: 2009-01-02 09:19:18

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

January 7 - IBM/MSFT Layoff Rumors Remain - Oglivy Cuts 10% - LM Glasfiber Spins 150 Out the Door - Cessna Warns - 400 Less at Barclays - Aloca Sheds 15,200 - EMC Deletes 2400 - Lenovo Erases 2500

                                  Mike: Good day to all ... . The jobs news for today is rather light Challenger Job-Cut Report. with the big news coming ... with credit scores of 500 who don’t have a steady job. Credit cards are drying up for many, which [more...]

Date: 2009-01-07 13:47:48

How Much Is Your Credit Score Costing You?

I hate to say it, but just change your time is no longer sufficient. There was a time when everything you do, good credit to have ensured that all your bills ... , simple decisions you can not pass on your credit card. But why? What is the average consumer, which [more...]

Date: 2009-01-14 13:14:07

How Much Is Your Credit Score Costing You?

I hate to say it, but just change your time is no longer sufficient. There was a time when everything you do, good credit to have ensured that all your bills ... , simple decisions you can not pass on your credit card. But why? What is the average consumer, which [more...]

Date: 2009-01-17 02:31:20

Collector Threatens Jailtime Over Dead Debt [Debt Collectors]

Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... there ridiculous yearly service fees, and monthly account fees in full each month helped boost my credit enough ... but now RSI Claims Process Services is hassling him about a 12-year-old credit card debt [more...]

Date: 2008-10-24 21:04:06

Where's The Happy Medium?

The other day, I noticed that the finance charge on one of my credit cards had gotten a lot higher, ... been more than $1,500), and in the last six months, my salary has increased about $10,000. My credit score hovers somewhere around 700, give or take. I have to wonder: Where's the 'increased risk'?The banks [more...]

Date: 2009-01-15 20:39:00

THE FINTAG NEWSLETTER @ 25 August 2009

FINTAG COMMENT Plastic Ono Bank. Bank of America is having trouble packaging up its credit card receivables and flogging them on. You see, to get a decent FICO score you need debts that are likely to be paid back but BoA seems unable to throw any into the mix. I made the error yesterday of stating Mastercard and Visa were in trouble and rightly so I was shot down for they are payment processors not debt holders. I was using a metaphorical term but it didn't work. [more...]

Date: 2009-08-25 23:35:00

The 5 Million Frequent Flyer Mile Challenge

... weeks thanks to mileage bonuses from new credit cards. If you’re up for it, you can do this too – ... that are worth at least $12,000 to me. I’ve closely monitored my credit score along the way, and the effect [more...]

Date: 2009-01-08 01:38:16

Volcom Coney Island Ls Shirt Black Womenaposs

Do it, and then do it again and again and again. * If someone bids $22 ... on your credit report is going to cost you dearly in your score. ... spiders the most. When you apply for a credit card through moneyeverything. As you know, my ultimate [more...]

Date: 2009-01-16 16:35:14

FREE Report: How to Save Money as a Family

As a special gift to readers of this blog, I’d like to give you this free report on how to save money as a family ... Instantly! Excerpt from report: Paying Down Debt The credit crunch has hurt many consumers who have credit cards.  Due to the fact that the banks are hesitant to lend money unless one’s FICO score is 750 [more...]

Date: 2009-01-09 03:07:08

Blogging Tips

There are three types of bloggers. Those that do it for fun, ... . It is natural that new sites will not rank well for terms like business or credit cards while ... post is about. They then give the keyword a score and compare it to other sites that rank [more...]

Date: 2008-10-10 07:09:51

My Dollar Plan Month in Review - July 2008

I’m a firm believer in setting goals and making plans to achieve your goals. A great way to work your plan is to monitor it at regular intervals ... Quadrant of Personal Finance Blogs. We ended up with a good visionary score, but it looks ... for Your Mid Year Checkup 7 Ways to Payoff Credit Card Debt 12 Tips to Prepare Your Finances for Vacation [more...]

Date: 2008-08-14 13:29:54

Barbara Walters To Interview the Obamas

» read full story Latest News [ ... Walters To Interview the Obamas According to the Hollywood Reporter, Barbara Walters has managed to score ... , what is the best way to show that you don’t care? Another credit card, of course. Sony and Visa [more...]

Date: 2008-11-25 22:47:00

Good, Better, Best...Never Let it Rest

Hey y’all! Happy New Year and all that jazz! I hope everyone had a safe and great New Year’s Eve and Day ... life Cs in English on my report card. Now if you don’t know, a 4 is what you usually need to receive college credit. Best score is a 5.Needless to say my confidence was shook. I pressed on. I worked [more...]

Date: 2009-01-02 16:55:00

Free Credit Report and Scores

It was time to flip Scott’s 0% balance transfers to new cards ... that everything is in order. I’m always on the lookout for another free way to get a copy of our credit report ... Reports Getting Organized: Monitoring Your Credit Report Free Month of Amazon Prime Free Blockbuster [more...]

Date: 2008-12-05 14:29:16

Information Security Literacy

I was browsing around and I incidently stumbled across an article from Wikipedia ... students showed that they had failing scores - that is, they answered fewer than 60 per cent of the questions correctly - on tests designed to measure their ability to choose and manage a credit card [more...]

Date: 2009-01-16 01:48:05

The New Year Creates Fresh Opportunity for Resolving to Reduce Debt

Free Rapid Debt Reducer software and online advice at RapidDebtReducer.com provide big motivation for making a commitment today GROTON, Vt., Jan ... report and score, and put that information to use ... Jolley to the millions of Americans who are struggling with overdue credit card payments, defaults [more...]

Date: 2009-01-16 10:50:23

My BillsIQ Score is 80%

I went to check my BillsIQ to find out my score is, and the result of My BillsIQ Score is 80%. I think it is somewhat good. I don't have any pending debt right now since I don't have any credit cards yet. Though ... them on time. I never even had to file a bankruptcy. But according to my BillsIQ overall score [more...]

Date: 2008-07-16 18:34:09

My BillsIQ Score is 80%

I went to check my BillsIQ to find out my score is, and the result of My BillsIQ Score is 80%. I think it is somewhat good. I don't have any pending debt right now since I don't have any credit cards yet. Though ... them on time. I never even had to file a bankruptcy. But according to my BillsIQ overall score [more...]

Date: 2008-07-16 18:34:09

Short Takes

As part of the 200th anniversary of Lincoln’s birth, ... with the now-famous “four score and seven years ago” — from April 1 to May 30. This version of the 1863 ... Childress has gotten no apology and is disputing the charges on his credit card. I’m no flag waver [more...]

Date: 2009-01-10 03:13:12

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... of resources.Card credit credit score Credit repair forum Providian credit card application Va home mortgage loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian [more...]

Date: 2008-06-24 14:10:35

Is It Better To Have A Mastercard?

by Will Smith In these current times despite a poor credit history it is still feasible for someone to get a credit card from the mass that ... unfortunate people with a poor credit score can see straight away which credit card companies will issue ... currently flood the market. The primary two credit card suppliers normally best to approach first [more...]

Date: 2009-01-16 18:28:18

Which is the bigger problem real estate debt? Credit card debt?

This is one example of why our country is having problems. The following was posted on the web site bankrate.com ... , publisher of the Nilson Report, a payment industry newsletter”. Did I read that right 9.5 credit cards ... scoring model, the number of credit cards a consumer holds is not a factor in the calculation, even [more...]

Date: 2008-10-13 14:55:26

Is it True About Credit Card Limit Cut Backs?

Yep, you bet. Actually, if you haven’t been contacted by your credit card company yet you should be on the lookout for some form of a notice very ... are getting financially hit here. Having a polished track record and an unsmudged credit score isn’t even ... that will outline the new terms of your credit card, including interest rates and credit card [more...]

Date: 2009-01-02 06:03:30

Credit Analyst Warns of Trap for Credit Card Customers

/PRNewswire/ -- "Many people will have their credit scores lowered this year if they're not watchful, know what to do and take action," ... for consumers who are not prepared," said Johansson, speaking recently about credit scores at the Texas Bankers ... said Eddie Johansson, president of Credit Security Group, a leading nationwide credit score [more...]

Date: 2009-01-07 15:01:00

Why Are My Credit Cards Being Canceled?

In today’s economy, credit card companies are changing interest rates at whim (at least until the new credit card laws go into effect…in July 2010 ... . And this could ding your credit score a little bit, which is not something you really want to happen ... by following this simple tip - it helps your credit score and it lets you keep all your available cr [more...]

Date: 2009-01-07 16:59:00

Get a $50 or $100 Gift Card From American Express

If you’re responsible with credit cards and looking for a bonus, ... of your credit score. Opening and closing a credit card in quick succession may affect your credit score ... Membership Rewards points after spending $500 over the first three months. The points [more...]

Date: 2008-10-02 23:50:19

How to Clean up and Get a Higher Credit Score

At the moment, about 30 million credit card users in the United States have low credit score (below 620) ... . Insurance companies, employment firms and even landlords also use this system to check an applicants paying ... . Low numbers in the credit score sheets means slimmer chances for them to obtain loans [more...]

Date: 2008-12-03 07:00:10

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

Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: ... wouldn’t have any problem if my credit card company did things like this. And even the FTC itself doesn’ ... reducing credit limits for people who use a variety of services. These services included, “Direct [more...]

Date: 2008-06-23 16:12:59

Ten for Tuesday (January 13, 2009)

Here’s this week’s Ten for Tuesday. Enjoy! 1. My friend, Lindsay, details how she and her husband are handling allowances. 2 ... , same-as-cash, and no-interest-no-payments. 6. Protect your FICO score as more inactive credit card ... break out the credit cards. 7. The Digerati Life offers up some pointers on preparing for a job [more...]

Date: 2009-01-13 17:39:22

Got Credit Card debt? You may be in luck…

by Rolfe Winkler, CFA If you’re delinquent on your credit card balances, now may be a good time to pay down that debt.  According to an article in the New York Times, in exchange for a hit to their credit score ... years, credit card companies are realizing that some hard-pressed Americans will not be able to pay [more...]

Date: 2009-01-03 01:44:51

How to Repair Your Credit with Credit Cards

Very few people live their entire lives without inflicting any damage upon their credit scores. Whether it be high balances on credit cards, bankruptcy, collections issues or financing troubles, credit problems affect the best of us and are difficult to repair. Fortunately [more...]

Date: 2008-11-26 04:50:00

I’m Hit By The Credit Contraction

A year ago, I was still getting awesome credit card offers promising a year without interest payments and other incentives. My credit score is over 600. Neither my score nor my financial situation has changed much ... credit cards with a cumulative limit of about $100,000. I went $20,000 into credit card debt in 1995 [more...]

Date: 2009-01-01 00:15:56

This Week in Credit: Fees and Scores

adele_D_20090115144535.jpg Getty Images Credit card pop art The bad news: ... . Some good news: Free credit scores might be offered more widely. Keepers of the FICO score Fair ... and have not finalized our suite of products and features at this time. Credit-score watchers, keep us posted [more...]

Date: 2009-01-16 17:57:45

What Can You Expect After a Bankruptcy? The Time Line

Recently, someone called this article to my attention, which extolls the advantages of bankruptcy ... because of BK 4 years to 7 years: Credit score below 680, forget about getting an unsecured credit ... : No credit cards, loans, insurance rate skyrocketed. 1 year to 2 years: No credit cards except secured cards [more...]

Date: 2009-01-09 15:35:08

Secured vs. Unsecured Debt

credit card In speaking to a friend recently about credit cards, mortgages, and personal finance, ... to back it, so the creditor can only attack your credit score and not your home. There are secured credit cards, where you pay a specific amount up front to the creditor, for instance, $500 [more...]

Date: 2009-01-14 12:29:37

Basic Credit Scoring 101 For A Better Mortgage Rate

by Rob Kosberg Credit scoring is becoming more important to mortgage pricing so now would be a terrific time to brush up on your credit education ... balances should hold steady at no more than 30% of the card limit. The credit bureau believes ... is one of the major credit scoring companies. All can learn from the numerous pages of financial tips [more...]

Date: 2008-12-30 08:22:00

9 Reasons for a good credit rating or FICO score

Does my credit rating really matter? That question goes through a lot of people’s heads as they max out their credit card or don’t pay their ... . They check your credit score when you fill out a rental application because they like to know what kind ... kind. Having good credit can mean the difference between homely and homeless! 3. Employment [more...]

Date: 2008-12-22 12:22:27

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