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
Blog posts
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Videos
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Getting Rid Of Bad Credit
By Michael Benifez Today's credit crisis is resulting in a more difficult road for consumers to getting a loan and obtaining good rates ... . 1: Obtain a copy of your credit report. You can't repair something you don't know is broken. Once ... . If your credit rating is less than stellar, you can pretty much guarantee you're not going to get the best [more...]
Date: 2009-01-03 08:21:18
Tips a Home Owner Should Know Before Refinancing
by katie George Mounting debt has many homeowners considering refinancing their mortgage for the purpose of cashing out the equity to consolidate ... your real estate mortgage finance needs. Get a copy of your most recent credit report, preferable ... information on your credit report. A good clean credit report will get you the best interest rate on [more...]
Date: 2008-12-29 22:15:15
The Importance of GOOD Credit
by Rob Kosberg We all should know that good credit is a “must have ... to get a loan, a mortgage, credit card depends on a good credit rating. Our “Credit Score” is most ... FREE Guide on Maintaining and Repairing your Credit [more...]
Date: 2009-01-03 12:23:01
What Are Benefits Of Good Credit?
By Darren Cason Most people know that if you have a good credit score, you get good interest rates and better offers on new loans and credit ... requirements. Many apartment managers, landlords, and those who offer leases will check your credit ... the credit report is only to verify past employment, but often the credit score is considered as part [more...]
Date: 2009-01-10 12:00:16
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
Useful Tips When Choosing Credit Cards
Chances are you have received your share of “pre-approved” credit card offers in the mail, some with low introductory rates and other perks ... that require no application. Annual Percentage Rate: The APR is a measure of the cost of credit ... , shop around to get the best deal. Credit Card Terms: A credit card is a form of borrowing that often [more...]
Date: 2008-12-29 08:11:57
Choosing a Credit Repair Firm
Credit repair is a million dollar industry with a lot of scams. Finding a loan with poor credit isn’t hard, getting a decent interest rate can be. When you clean up your credit report you end up saving hundreds, if not thousands, of dollars ... guide and your 3-in-1 credit report; Whichever way you decide to go, here are just a few tips [more...]
Date: 2009-01-15 18:49:38
Top 10 Credit Mistakes
Learning the easy steps to repairing your credit can be a big relief and get your financial life back on track. Most children are not trained in how to handle credit by their families other than with vague ... about interest rates, revolving credit and credit scores was often not taught or even understood well by most [more...]
Date: 2009-01-03 21:11:04
Will Credit Repair Enhance Your Plunging Credit Score?
As lending rules get stricter by the day, an increasing number of consumers are desperately looking for ways to improve their credit ratings ... but nevertheless accurate entry on the client’s credit report. This technic exploits a provision ... or out-of-date information from their credit report. This technic works under the premise [more...]
Date: 2008-12-08 07:00:23
Bad Credit Repair Tips & Advice
When it comes to trying to get a new car or a new house, there is nothing worse than having bad credit. Poor credit ratings show that you were extended credit and you either charged ... person that is going to be able to help with your credit score so do not wait any longer. The time [more...]
Date: 2009-01-16 00:22:09
Debt Consolidation Loans For Bad Credit Dont Get Stung
It isn’t uncommon these days for consumers to be facing problems meeting their monthly payment obligations on loans and credit cards ... and have seen their good credit ratings suffer because of it. At this point they may be looking for a way ... things in mind to protect yourself from becoming a victim: Be Confident Your credit score may [more...]
Date: 2009-01-14 03:04:51
Fed “Shock & Awe,” What 0% Means, 2008 Pay Raises, Controversial Auto Survey and More!
Fed saves us from ourselves… details of the historic FOMC decision… Dan Amoss and James Turk on the implications of 0% interest rates… Dollar gets ... to further support credit markets and economic activity.” “This announcement,” Dan Amoss wrote ... metals.” In anticipation of this “shock and awe” rate decision, Dan helped his Strategic Short Report [more...]
Date: 2008-12-18 19:08:51
The New China, Bush Asks for TARP, 2009 Oil Surprise, Buy Turkmenistan and More!
by Addison Wiggin & Ian Mathias Chinese exports dive; oil imports, money supply and leverage rise… sound familiar? Bush asks for rest of $700 billion TARP… S&P says USA’s credit rating getting shaky Dan ... . Unfortunately, the model was still dependent on mass consumption in the West. Without credit-fueled [more...]
Date: 2009-01-08 01:36:29
Obama talks stimulus. He hopes you are listening
The spate of retailers reporting devastating December sales this morning provided a nice backdrop for President-elect Obama's speech in Virginia ... that lower interest rates aren't getting the job done because credit markets are screwy and that tax ... , the National Bureau of Economic Research and the Brookings Institution. He argued that fiscal [more...]
Date: 2009-01-08 18:11:11
Don’t Let Rates Get You, Lock It Posted By : rateempire
Don’t Let Rates Get You, Lock It Posted By : rateempire When interest rates begin to go up on mortgages, ... Citigroup. Energy shares fall with another decline in oil. Treasury yields drop. Fix your 5 biggest money mistakes You can’t control the stock market or fix the credit crunch, but there’s still plenty [more...]
Date: 2009-01-16 18:19:09
A Trillion Dollars Ain't What it Used to Be
There is a report floating around arguing that with the collapse of the consumer credit market, ... markets without causing rates to get squirrely. That strikes me as an awfully simplistic view of things. First, there is a reason why consumer credit has gone south, and that plays back into debt [more...]
Date: 2008-12-23 20:17:00
Timeline for Negative Credit History
Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious problems you can run into because of having a negative credit history. A person with a negative credit history will have an impaired ability to borrow money, get a good interest rate, and sometimes even get a good job. [more...]
Date: 2009-01-01 08:19:32
Hudson City Savings Bank CD Rates
Hudson City Savings Bank CD Rates Mandatory 401K Withdrawals Suspended? ... Account Financing a Car Purchase Online Banking Getting a Copy of Your Credit Report Imperial ... of America 3 Month CD Rate Get $50 from TradeKing FDIC List of Troubled Banks and the Texas Ratio [more...]
Date: 2008-12-14 14:16:18
I-Card Movement Gets Boost From Equifax
081113_infocard Credit rating giant Equifax released an digital information card for verifying age Thursday, ... go a long way towards eliminating the potential for fraud or identity theft in online transactions ... the Information Card Foundation, a consortium of tech companies including big names like Google, Microsoft [more...]
Date: 2008-11-13 21:26:24
Credit Nexus: Free credit report.
Credit is the provision of resources (such as granting a loan) ... about your credit score.You also will get to know how to remove credit report errors, basically by three ... Creditnexus you can have a report with a complete overview of your credit history rating [more...]
Date: 2009-01-09 14:20:00
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 Scores & Car Loans
Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]
Date: 2009-10-01 05:00:30
SBFC Law Group Does Wonderful Credit Repair
by Garth Dillon It’s just a fact that more people today then ever before are being left licking their wounds with bad credit. It’s the recession/depression or what ever you want to call it. The real bad deal of it all, is that as soon as the economy turns around, you will be back in the game, so your bad credit rating will be a burden. Only Frauds Claim They Can Get Rid of Bankruptcy Don’t spend a dime on some service that tells you they can wholly restore your credit. [more...]
Date: 2009-09-23 07:48:12
Credit Scores & Car Loans
Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]
Date: 2009-10-01 05:00:30
NFP: Even Worse Than Reported
Over the past few years, we have railed at the prettyfied numbers that come out of BLS regarding NFP job creation and the unemployment rate ... of aberrational, credit-driven economic growth was hidden from the public view. Many (tho not all) of Wall Street ... now in a full blown recession, and the Housing and Credit crisis getting worse, it hardly semed [more...]
Date: 2008-12-08 11:34:50
Working on Building Credit in Your Name
Being married carries many responsibilities as a couple. One of these responsibilities is applying for loans and credit as a couple ... is to get your free annual credit report. Work with your lawyer to have all joint accounts closed. Transfer ... with high annual fees and interest rates. Find out more from Credit-land.Com. Take your time. Avoid [more...]
Date: 2008-11-28 09:34:19
Will carrying a credit card balance through month end hurt your credit score
As I vaguely mentioned in my $100,000 by Age 30 year end recap post my wife and I are starting to save for a house we want to build down the road ( ... and research. One thing that I want to start preparing for is upping my credit score to get it as high as possible to make sure that I would qualify for the best rates. My credit score is not bad [more...]
Date: 2009-01-16 06:00:12
One Simple Way of Consolidating Credit Card Debt
Debt is something that has to be managed, and can easily get out of control if you’re not careful ... to a credit card that has a lower annual interest rate. For instance, you may have two or three credit cards ... . Credit card debt in particular is among the most burdensome financial problems for consumers [more...]
Date: 2009-01-08 00:02:16
Posts about Mortgage Market Report as of January 14, 2009
Flagstar Bank 12 to 14 month Promo CD Rate - monitorbankrates ... Online Banking Getting a Copy of Your Credit Report Islamabad An overview of housing in Pakistan ... your personal credit report to ensure that your credit score has improved. Lenders … . Read this article [more...]
Date: 2009-01-14 12:23:49
Population Health Management Journal Summary For Your Perusing Pleasure
It's that time again! The December 2008 issue of Population Health Management, ... with a $15 gift certificate incentive for completion followed by a $300 credit for their health ... to get a 60% baseline participation rate. There was a follow up survey in 2005. This report focuses [more...]
Date: 2009-01-12 00:28:00
David Cameron's speech to the CBI
David Cameron has set out the Conservative approach to dealing with the recession in a speech to this morning's CBI conference ... of a fiscal stimulus in the Pre Budget Report – had decided not to. We have consistently argued ... rates, monetary action must mean radical new measures to actually get credit flowing through [more...]
Date: 2008-11-24 11:58:39
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
U.S. House considering Irving's bailout idea
President-elect Barack Obama this week wrangled with lawmakers over the release of the second half of federal ... when credit markets are hurting their chances of selling bonds that finance such initiatives. "We should be able to get affordable interest rates as we've done in the past but the credit market [more...]
Date: 2009-01-15 00:18:53
GMAC Now Officially Requires 700-Plus FICO Score For New Car Loan [Financiapocalypse]
The Financiapocalypse continues. We just received a copy of an e-mail that went out at GMAC, the lending arm jointly owned by GM and Cerberus, ... : you'll now need a minimum 700 credit bureau score to get a car loan at dealer invoice or below from GMAC ... consumers who have a minimum 700 credit bureau score, with an advance rate equal to or less than [more...]
Date: 2008-10-13 22:20:00
Buzz Out Loud 861: Ice blue and the hot breaths
We've got a host of Black Friday news today, like Apple retail stores matching online promotions; Sony still refuses to lower the price on the PS3, but they will let you get a PlayStation credit card and a $150 discount (along with whopping interest rates, of course, so pay that sucker off right away, mmkay?); and Nintendo has a couple of new [more...]
Date: 2008-11-26 19:49:00
CD Calculator
CD Calculator AIG Bank High Yield Money Market Account eBank 1 Year Certificate of Deposit Rate Bank of Internet 3 ... a Car Purchase Online Banking Getting a Copy of Your Credit Report Imperial Capital Bank CD Rates [more...]
Date: 2009-01-04 20:48:14
0.5%, here we come: Jobs data cement view on Fed cut
With today’s awful October employment report, markets believe with near 100% certainty that the Federal Reserve will cut its benchmark short-term ... the credit crisis and keep the economy from a catastrophic collapse. Over the last five days ... pegged to the prime would get a rate cut. That would include many borrowers with home equity credit [more...]
Date: 2008-11-11 00:19:07
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
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
Parents Universal Resource Experts (Sue Scheff) Identity Theft and Teens
Source: Connect with Kids“If they’ve managed to get a hold of your Social Security number and take out credit card applications in your name, ... the problem.”– Suzanne Boas, president, Consumer Credit Counseling ServiceIdentity theft is an ever-increasing threat for all consumers -- one that could damage your credit ratings and cost you thousands [more...]
Date: 2008-10-18 12:59:00
Auto Refinancing Loan – Tips For Getting A Cheaper One
Current economic situation is forcing several car borrowers start thinking about refinancing their vehicles, ... to offer lower interest rates on your application. Having Less Than Perfect Credit While you can find auto loan approvals regardless of your credit score, you will be paying higher interest rate [more...]
Date: 2009-01-02 12:40:11
Is Denver's real estate market beginning to turn?
Is Denver's real estate market beginning to turn? Jan ... Statistics December 2008 Buyers are in the catbird seat again this month, that is, if they can get a mortgage. Prices take a slide but credit is still tight even though rates are the best they've [more...]
Date: 2009-01-13 00:33:00
Why Can't You Ever Make On-Time Payments?
By Tisha Tolar How frustrating is it to pay all of your bills each month when you finally get a minute to sit down and take care of things, ... -free life, with a much-improved rating of credit. Since no one method works for every single person or financial circumstance, here is a check list of questions to get you thinking about your money [more...]
Date: 2009-01-12 22:28:05
Riding the global economic crisis in Singapore
Author: Shandre Thangavelu, National University of Singapore and ANU Despite an average growth rate of nearly 8 per cent from 2004 to 2007, ... companies to get access to credit facilities, the Singapore government announced a S$2.3 billion loan facility for local companies (including SMEs) through its business financing scheme on 21 November 2008 [more...]
Date: 2009-01-05 04:15:28
Today’s best mortgages: How to Qualify
by Mortgage Wizard Equity The amount of equity you currently have your is a large factor when determining if you qualify for the best mortgage rates ... . (excluding utilities and other miscellaneous debts that do not get reported to the credit agencies [more...]
Date: 2009-01-04 20:51:44
When Borrowing Is A Good Thing (Part 2)
When Borrowing Is A Good Thing (Part 2) I posted recently my analysis of the pay cash vs ... % APY--not even close. Furthermore, my credit union has a minimum $500 balance to get CD rates [more...]
Date: 2009-01-10 22:25:15
Back to Risk Aversion
Japanese yen rallies… Renminbi stumbles… A very tough data week in store… Rate cuts all around the world… And Now… Today’s Pfennig! ... boys” Paulson and Bernanke, to get this credit market crisis unlocked, the longer it will take before ... that make the official call on a recession the NBER (National Bureau of Economic Research [more...]
Date: 2008-12-01 13:43:14
Small Bizs Feeling the Chill
The New York Times: Some small companies say they are no longer able to get loans from newly cautious banks as credit tightens across the country, ... credit — at 30 percent a year. Mr. Snyder does not want to borrow much at that rate. “ ... , the Census Bureau reports, and they outpace large companies in generating new jobs. Photo by Kevin Moloney. [more...]
Date: 2008-10-07 15:08:55
GMAC limits loans to buyers with 700+ FICO rating
Filed under: Car Buying, GMIf you're in the market for a new car, you'd better get your credit score in order first ... to consumers with a credit score of over 700. That number is up from the 71% average ... . Auto lending units are looking for top tier customers right now, and GM's captive credit arm [more...]
Date: 2008-10-14 12:52:03
