How To Avoid Bankruptcy With A Consumer Proposal

If you have a job but are unable to make all your minimum payments, let alone actually pay down your debts, you may have wondered if bankruptcy is the only way to get out from under all your debt. There is another option you should consider before bankruptcy, filing a consumer proposal. A consumer proposal is an option for anyone with over $5,000 but less than $250,000 in unsecured debt, or $500,000 per couple. Unsecured debt might include credit cards, lines of credit, loans and even unpaid income tax. [more...]

Date: 2009-09-28 09:00:34

Blog posts (410) | Videos (50)
 

FreeCreditReport.com Review: Not a Free Credit Report

Have you heard of those commercials on TV that talk about “free” credit reports? These services, such as FreeCreditReport.com are *not* truly free. They offer free trials for a limited time (usually 7 days) but they’re actually paid subscription services after the intro period is over. They’re in the business of credit monitoring and tracking your credit standing. Image by Andre Rolim/Getty Images These services exist to help us keep an eye on our credit reports. [more...]

Date: 2009-09-29 04:01:28

Credit Repair The DIY Way

by Bob jones Negative remarks on your credit report can cost you serious money. You do not have to despair though, since it is never too late to make yourself credit worthy again. However, always remember that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate once more. How to Get Started : You should know who the three credit bureaus are and what they are saying about you. [more...]

Date: 2009-09-23 10:40:11

Restoring Your credit Status

by Bob Jones A crucial aspect in maintaining a high credit status is in point of fact the contents of your credit report. The credit report is very much the history of your monetary life, contained in a comprehensive document. The credit report details the credit score, which is a numeric grade typically between 300 and 850. Most lenders use the credit score to help them make their mind up whether you are worthy of credit. Furthermore, the score is also used to conclude your capability of paying a loan. [more...]

Date: 2009-09-29 08:16:24

Mortgage Refinance With Bad Credit Options: Reveal All The Hottest Tips Here!

by Asem Eltaher Among the top ten hot topics of 2008-2009 is the relief for homeowner’s high mortgage payments. Foreclosures at an all-time high and many are getting further behind each month creating a large market for mortgage refinance with bad credit. The Mortgage Banker’s Association states the newest information on foreclosures shows the decline is still pacing downward. The percentage of homeowners facing default can rise higher by 2011, if relief is not available. [more...]

Date: 2009-10-01 09:00:20

Do-It-Yourself Credit Repair

by Bob jones Negative comments on your credit report can cost a lot of money. You do not have to give up though, because it is never too late to repair your credit worthiness. However, bear in mind that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate again. How to Get Started : You should know who the three credit bureaus are and what they are saying about you. [more...]

Date: 2009-09-27 16:11:07

Don’t Use Free Credit Report Services - Get Free Credit Reports Direct from Credit Bureaus

Amazon.de Widgets A Free credit report is the entitlement of every US citizen, and with many more people suffering with debt problems nowadays the first question asked by them is ‘where can i get my free credit report?’Free credit reports are in high demand, this is because the state of the global economy, as i am sure you are all aware, is bad, very bad and has been for some time now and the ramifications of this are that a lot of people who previously had good credit reports have been missing [more...]

Date: 2009-09-25 14:55:10

Mortgage Refinance With Bad Credit: Reveal All The Hidden Secrets Here!

October 1, 2009 | By Asem Eltaher In Finance | by Asem EltaherAmong the top ten hot topics of 2008-2009 is the relief for homeowner’s high mortgage payments. Foreclosures at an all-time high and many are getting further behind each month creating a large market for mortgage refinance with bad credit. The newest data from the Mortgage Bankers Association reveals fewer foreclosures are being reported. Unless there are new strategies for relief the rise could be higher than now by the year 2011. [more...]

Date: 2009-10-01 09:01:06

Credit Repair The DIY Way

Credit Repair The DIY Way by Bob jonesNegative comments on your credit report can cost you serious money. You do not have to despair though, since it is never too late to become credit worthy again. However, always remember that credit repair does not take place overnight. It requires serious dedication and perseverance to start a clean slate once more.How to Get Started: You should know who the three credit bureaux are and what they are saying about you. [more...]

Date: 2009-09-25 20:42:43

Credit Repair The DIY Way

by Bob jones Negative comments on your credit report can cost a lot of money. You do not have to despair though, because it is never too late to repair your credit worthiness. However, remember that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate once more. How to Get Started : You should know who the three credit bureaux are and what they are saying about you. [more...]

Date: 2009-09-25 21:05:30

Go Over All Your Three Credit Reports

September 26, 2009 | By Jesse Hughes In Finance | by Jesse HughesCredits and loans are used by individuals when purchasing their needs. A car loan is applied for to get a car, a mortgage is taken to get a house, a student loan is taken to get an education and a credit card is used to get about just anything else. Cash is barely needed nowadays to purchase your needs.Getting a loan or any other credit for that matter is not so simple. The bank that will issue the credit will not do it blindly. [more...]

Date: 2009-09-26 18:02:55

Find Out How To Repair Your Poor Credit

by Martha Gonzalez For nearly all people in life the major financial purchases like buying a house or a vehicle require credit. Of course, in order to be approved for credit you must have a decent credit score. Life and finances both tend to be less expensive and much easier when you have a good credit score. But what can you do if your credit score is already shot? There are a few steps that you can take to improve and repair your credit. [more...]

Date: 2009-10-01 05:59:50

Credit Card Debt Consolidation Loans will Get You out of Debt Effectively

Amazon.de Widgets Credit card debt consolidation loans will help you to regain control of your debt and avoid filing for bankruptcy. However, you must first look at ways of lowering your debt through negotiating with your creditors. If you, like so many others, are finding that the pressure caused by increasing credit card debt is pushing you towards considering filing for bankruptcy it is probably time for you to start thinking about the damage such a move would cause you.Instead, start looking [more...]

Date: 2009-09-25 15:17:26

Why Is There a Need to Review All Three Credit Reports?

by Jesse Hughes Much of the purchasing made by individuals are done with the use of credits or loans. You get a car through a car loan, a house via a mortgage, your education through educational loans or just about any other need through the use of credit cards. Gone were the days when you had to carry load of cash to buy what you require. Getting a loan or any other credit for that matter is not so simple. The bank that will issue the credit will not do it blindly. [more...]

Date: 2009-09-26 18:02:50

A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part Three Equifax

In the third and final part of this series on getting your free credit report without the not-so-free extras, we’ll be looking at Equifax, one of the trickier credit reporting agencies. 1. Begin by signing onto AnnualCreditReport.com and selecting your state. You’ll be prompted to enter some identifying information, if you haven’t done so already. 2. On the next screen, check Equifax and click “Next.” 3. The information you filled out in step one should carry over to the next screen. [more...]

Date: 2009-09-24 11:49:46

Realize Your Credit Score Plus 3 In 1 Credit Report

Realize Your Credit Score Plus 3 In 1 Credit Report by Sara M Perry3-in-1 credit reports are summaries from all three of the foremost credit bureaus. They cover the financial history collected on one person or group in order to “report their credit worthiness” or in other words, whether or not it is expected that they have the resources and trustworthiness to pay off a new obligation.These reports supply information from the three foremost credit reporting agencies. [more...]

Date: 2009-10-01 11:31:33

How Divorce can Impact Your Credit Report

Divorce is hard enough.  Don’t complicate it by letting it ruin your credit report. Whether you’re considering a separation or filing for divorce, it’s important that you give your credit special attention. Your credit can have a significant impact on your ability to start this new chapter of life with the resources you need.  Here are the things  you need to look out for. In the event of a divorce, the divorce settlement legally covers things jointly owned. [more...]

Date: 2009-09-24 09:15:32

So How Do I Get My Free Copy Of Credit Report Each Year?

by Andy Zain One of the benefits of being an American citizen is that each year we get a little gift in the form of a free copy of credit report. Instead of having to plunk down the five to ten bucks it used to cost per copy, we can get one free annually. We can thank the government for passing the 2003 Fair and Accurate Credit Transactions Act and giving us our little bonus. The three prominent national credit reporting agencies are the most affected by the law passed in 2003. [more...]

Date: 2009-09-25 07:53:49

Great Advice!

Identity Theft is on the rise. The information in this post that I recieved by email has nothing to do with saving money, however, my hope is that this great advise will save you a lot of time and trouble. .1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'. 2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. [more...]

Date: 2009-09-30 11:47:00

Tips on Getting the Best Bad Credit Loan

Copyright (c) 2009 Liz Roberts Usually, people with bad credit history will apply for sub-prime loans. Bad credit loans has higher interest rates and fees because people that apply to this kind of loans are seen as high risk borrowers. if you are one of them, what can you do? Can you still get a loan that has a reasonable rate despite of your credit score. Loans for Bad Credit – Choosing the Best Different lending companies offer varying loans especially for the bad credit market. [more...]

Date: 2009-09-26 05:46:14

Free Identity Theft Monitoring for AAA Members

If you’re an AAA member in California, Hawaii, New Mexico or Texas, you’re suddenly eligible for a free credit monitoring service, provided by Experian. While I was looking through the fine print (a free service for you provided by ConsumerismCommentary.com), I found this, which gave me pause: You are receiving a complimentary credit monitoring membership. Your membership is effective for the period disclosed to you when you received your activation code. [more...]

Date: 2009-09-29 11:56:15

Regain your Identity after a Theft

What to do in the event that you’re identity gets stolen you ask?  It’s pretty easy to fall victim to identify theft and you’re not alone if it occurs to you.  Recent studies and reporting mechanisms have suggested that millions of Americans each and every year fall victim to the occurrence (almost ten million).  So you’re not alone.  There are several steps that you should take following the discovery of identity theft. [more...]

Date: 2009-09-23 13:42:32

Soimething to offend Everyone

Political satire or reality?We will do something a little different in today’s post. Rather that blather about our own political views, let me share with you the contents of an email I received from dear friend and colleague Dr. Jerry. We’ve omitted the illustrations from the original since my technical knowledge is not sophisticated enough to [more...]

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

What REALLY makes up your Credit Score?

What REALLY makes up your Credit Score? by Ty CrandallYour credit score is the magic figure behind most aspects of your life. How much you pay for utilities, mortgage payments or rent, insurance, your car, and even whether you get hired are all dependant of your credit score.This article will assist you with understanding each individual component of your credit score. For extra details on the credit scoring system you can see this article and more at www.PerfectCreditFast.com. [more...]

Date: 2009-09-24 19:14:42

Bankruptcy

Bankruptcy is an individual’s legally declared inability to pay back debt owed to creditors. There are several different types of bankruptcies ... ? Bankruptcy does not look very favorable on your credit report and should be considered a last resort ... on your credit report for 10 years. All other items such as late payments and delinquent accounts stay [more...]

Date: 2008-12-16 03:00:27

Do-it-yourself Credit Repair

There are many consumers which are being lured by companies which promise them to clean their unappealing credit history ... a fraud by creating a new credit identity and report or any illegal undertaking. Customers should ... by the federal law. credit report In order to avoid scams, people should not pay a service fee as long [more...]

Date: 2008-08-23 04:47:53

What Makes Up The Best Credit Reports?

With identity theft and internet crimes being a huge priority right now there has been an industry emerging that is benefitting from all of this ... that have catchy jingles and funny plots to them. But your credit report is not something you want to take lightly because, believe it or not, constant access to your credit report can reflect negatively [more...]

Date: 2008-11-15 04:41:48

Money money money

Hello and welcome to this week’s roundup. Politics got right into full swing again this week following the Christmas break. But first thoughts should turn to the ongoing situation in Gaza. Caron shared the thoughts of a friend. Meanwhile, Stephen Glenn took up Iain Dale’s challenge to see events from an Israeli perspective [more...]

Date: 2009-01-11 18:54:38

Fundamentals to Repairing Credit

by Rob Kosberg People who know they have “bad” credit and are a big “credit risk” are usually aware that something has to change with the way they ... . On a yearly basis, you are able to receive a free report (fee for the credit score) from each ... project. The “credit risk” label is based on your “credit report” and “credit score.” Therefore [more...]

Date: 2009-01-08 23:57:25

FTC Approves Federal Register Notice Announcing Increase in the Ceiling on Allowable Charges Required By Section 612(f) of the Fair Credit Reporting Act

My comment: As we all know it's important to give near bankrupt companies who completely screwed up their business billions of dollars and find ways ... for an additional free disclosure. Under federal law, consumers are entitled to a free copy of their credit report ... an application for credit, insurance, or employment) and consumers request their rep [more...]

Date: 2008-12-15 20:41:14

As I wrote last year, regular checks of your credit report are an important as aspect of fiscal management and under the Fair and Accurate Credit ... , and TransUnion to provide consumers with one free credit report per year. The official website through which ... AnnualCreditReport.com. Thus Americans abroad remain unable to exercise their legal right to [more...]

Date: 2008-12-31 17:23:16

Experian Experts Available to Provide Comment and Insight Into Employment and Credit Reports

Experian Experts Available to Provide Comment and Insight Into Employment and Credit Reports Company provides deeper understanding of how credit impacts consumers’ lives COSTA MESA, Calif., Sept. 23 /PRNewswire/ — Experian , a global information services company, today announced that it is providing a closer look into credit reports for employment purposes and the questions that surround this popular subject by offering interviews with key business experts. [more...]

Date: 2009-09-23 10:23:01

Trying to be Politically Correct.

In North Florida, we called them “Trailers”. In Maryland, I was corrected. They called them “Mobile Homes” ... to know the price ranges. We knew that our credit report would come up as “DANGER, DANGER!” so we figured ... : It seems, Mr. Our-Last-Name, you don’t have a credit report. Mark: Um. What? Salesman: Nothing [more...]

Date: 2009-01-08 15:58:37

Essential Credit Repair You Need Know For Successful Self Credit Repair

Credit Repair The DIY Way . Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY credit repair tips that you can use to get started. [more...]

Date: 2009-09-28 06:50:28

CREDIT REPAIR ESSENTIALS

by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... . On a yearly basis, you are able to receive a free report (fee for the credit score) from each ... (with a copy of the credit report) to any or all, if needed, credit bureaus. Definitely retain COPIES [more...]

Date: 2009-01-03 00:53:28

Slowdown in American Economy Could Be Good for the Environment

In America, consumerism is rampant, no doubt about it. We’ve been bred to buy, buy and keep on buying even if you really don’t need anything else ... U.S. News & World Report Photo credit: Flickr ... . We constantly ‘upgrade’ our stuff. Decades of cheap credit have allowed this monster to continue [more...]

Date: 2008-08-15 13:00:45

Looking Over my FREE Credit Report

Credit Report This past weekend while listening to some local financial talk show on the radio, they mentioned AnnualCreditReport.com ... as my report of choice. Things seemed to be working great — until they forwarded me on to Equifax’ ... it, they weren’t going to display my report. It left a bad taste in my mouth — I felt like I’ [more...]

Date: 2008-11-07 01:16:24

One Way to Protect Against Identity Theft

When information gets stolen, it is used in various ways. Sometimes the thief may use it to drain your bank account, for example ... will not extend credit without first pulling a consumer’s credit profile. If you place a “security freeze” on your credit profile, the reporting agencies are prohibited from releasing your credit [more...]

Date: 2008-09-22 21:10:55

Credit Repair Service - Get Help For Credit Card Debt

by William Blake Credit cards are great, but if not used with common sense and self-control, can easily break your bank and peace of mind ... Commission (FTC) has come up with some safety tips for those of you to choose a credit repair or debt ... credit reports a year. Just contact the three companies who offer this free service ” Equifax [more...]

Date: 2008-11-05 10:42:42

Identity Thieves often Pitch Great Deals to lure their Victims in Quickly.

by: William Roberts Identity theft can impact you as an insurance consumer because insurers often use an individual’s credit score to determine ... of your credit report to determine if any accounts were opened without your consent and request the agency remove inquiries and/or fraudulent accounts stemming from theft. Request a free credit report [more...]

Date: 2009-01-08 01:35:17

FUNDAMENTALS TO REPAIRING CREDIT

by Rob Kosberg People who know they have “bad” credit and are a big “credit risk” are usually aware that something has to change with the way they ... you know they are errors and send this in writing (with a copy of the credit report) to any or all, if needed ... to have excellent credit. For more information check out Rob Kosbergs’ Detailed FREE Report [more...]

Date: 2009-01-03 00:45:05

Fix Your Life In 2009

24 ways to fix your life in 2009 From credit reports to skin care and college tuition to high heels, it’s all here. Friday, January 02, 2009Whew!Last year at this time, we were wondering if it could get any worse.It did. Trouble in the subprime market exploded into an across-the-board rout. The credit crunch evolved into a global financial [more...]

Date: 2009-01-02 18:44:41

Credit report: check yours

Checking your credit reportAccording to the Federal Trade Commission, one in six Americans will be a victim of identity theft this year. It’s more important than ever to make sure you check your credit report often to make sure you are not a victim. It is also easier than ever to check your credit report and the best part, it’s free.A few years ago, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). [more...]

Date: 2009-09-30 19:27:34

Should I Declare Bankruptcy?

One of our readers, Alicia, asked: I have one Credit Card debt with a balance of $15,000 can not pay the Min amount they want like 3, ... is because that is how long a bankruptcy will hurt you on your credit report. Bankruptcy actually stays on your credit report for ten years, but as long as you make your payments on time after the bankruptcy [more...]

Date: 2008-11-19 13:59:48

Identity Theft - Additional Protection for Soldiers on Active Duty

Congress passed the Fair Credit Reporting Act several years ago in an attempt to smooth out some problems in the credit reporting industry ... from a victim and then uses that information to obtain loans or credit in the victim’s name. While ... the damage done to the victim’s credit report. Identity theft can be even more difficult if the victim [more...]

Date: 2008-12-31 07:23:19

THE BEAST 50 MOST LOATHSOME PEOPLE IN AMERICA, 2008

side note: I found this late last night and I enjoyed it so much it kept me up later then I wanted…but was well worth it! Enjoy with your morning coffee! http://www.buffalobeast.com 50. Barack Obama Charges: Beyond a few token acts of bipartisan marketing, Barry’s major duty in the Senate was to avoid legislating, [more...]

Date: 2009-01-11 09:06:30

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

Identity Theft: Even Your Child Is Not Safe Any More

Surprisingly, identity theft has begun to take a whole new turn with identity thieves not even sparing children ... -approved credit card offers. You can check with major credit bureaus such as Equifax, Trans Union ... pickings. Often they only find out once they have applied for admission to a college, asked for credit [more...]

Date: 2008-11-11 14:39:19

Removing Yourself As An Authorized User

Removing Yourself As An Authorized User One of our readers, KR, had this question for us: I tried to call the credit card companies ( ... them if they do not remove your name, and remove the information from your credit report. Make sure ... s totally trashing my credit as he has over 60k in debt. Is there anything I can do about this short [more...]

Date: 2008-11-06 09:45:48

moving your money to a safer bank. *Based on FDIC data from March 2008. ... » Banks and Fraud: Bank of America Better Than Expected? » More Credit Card Customers at Risk ... . Dovetailing nicely with my article on how to freeze your credit record, Ben talked [more...]

Date: 2008-07-16 10:10:35

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