Credit Scoring Is About To Change But How And When?

In a nice change of pace, all three credit reporting agencies, Experian, ... the AdvantageScore its own way and will set its own price. However, you will still be able to get one free credit ... Equifax and TransUnion have joined together in developing a new way to score your credit [more...]

Date: 2009-01-15 05:10:40

Blog posts (134) | Videos (169)
 

Credit and Debt Resources [MsMoneyGirl.net Stock Magazine]

T. D. Jakes new book "Before You Do" hints at how soon-to-be couples should sit at the table to analyze each other’s financial situation ... to receive a score and a report from the TransUnion, Experian, and Equifax credit bureaus ... report, Get Your Equifax Credit Report Now! An equifax credit report can be obtained on this link [more...]

Date: 2008-10-15 09:59:37

College Money Tip #5: Get Your (Free) Credit Score

Last week, I took you through all the ways and reasons to track down your free credit report, ... t tell you how… until now. Remember how credit reports are like annoying report cards that show ... recommending Credit Karma - and some of my friends, too. So I decided to finally sign up and see how good [more...]

Date: 2009-01-16 15:41:32

Credit Repair Help - It’s Not As Hard As You Think!

by Mark Alison It’s hard to live with bad credit. You need credit to lease a house or car ... to get your credit back in good standing, some sacrifice should be made. Equifax, Experian, and Trans Union are the three credit reporting agencies that report to FICO. FICO is who keeps your credit score [more...]

Date: 2008-12-28 22:13:40

Get Good Credit if You Want to Buy a Car

In this time of economic uncertainty many are putting off a major purchase such as buying a car. Why incur even more debt? ... a service such as FreeCreditReport ($12.95/month for credit score and monitoring) or myFico ... , but their threshold for extending credit has typically been lower than actual banks. What many don’ [more...]

Date: 2008-10-30 00:43:30

How To Buy A House

There has been a lot written about the mechanics of how to buy a house ... changes are reflected in your credit score, you may be able to apply again and get a mortgage loan ... . But what if you can’t get preapproved? What if you have little income, bad credit or other serious problems [more...]

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

How To Get The Right Credit Score

Imagine that you are going into a lender’s office prepared to apply for and receive a loan ... credit bureaus: Equifax. Experian, and TransUnion. You are shocked when your loan is denied, or maybe ... , 2TransUnion uses the Empirica system, and 3Experian uses the Experian/Fair Isaac system. Despite each credit [more...]

Date: 2009-01-07 21:19:35

Get The Best Home Mortgage Loans

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... . Now, it is entirely up to the lender to give loan approval that is based on the credit scores. In simple terms, to have a no doc loan, your credit score should be very high. Now, if you think low document home [more...]

Date: 2009-01-14 21:01:19

Workable real estate deals may require even more creativity

This is my column for this week from the Arizona Republic (permanent link) ... can help his buyers accumulate a down-payment, perhaps working with them to improve their credit score at the same time. The investor gets a higher purchase price, the buyers get a lower monthly payment [more...]

Date: 2008-12-20 14:25:56

Workable real estate deals may require even more creativity

This is my column for this week from the Arizona Republic (permanent link) ... can help his buyers accumulate a down-payment, perhaps working with them to improve their credit score at the same time. The investor gets a higher purchase price, the buyers get a lower monthly payment [more...]

Date: 2008-12-20 14:24:47

Quality Counts Lacks Quality

(Guest post by Stuart Buck) Education Week has released its annual report “Quality Counts, ... , the report reminds me of the old joke (I can’t remember who to credit for this) of a beggar sitting ... get an overall score equal to a state with low spending and high achievement.  But if a school manages [more...]

Date: 2009-01-08 15:20:45

Latest News in Credit Repair and Credit Score - Dec 24, 2008

Saving American economy from ‘Joe the Debtor’ - New Haven Register 24 Dec 2008 at 3: ... s overall score if a manager or employee attends a food safety course approved by the … Your credit report ... of your credit report — but figuring out just where to go to get it can be tricky because of a proliferation [more...]

Date: 2008-12-24 17:14:31

That Television

Eleanor being gone to her grandparents and the temperature being in the single digits, ... and you know they make great things.There is a website that wants you to get your credit score [more...]

Date: 2009-01-16 21:51:00

How Do I Clean My Credit Score Up? - Tips That Every Credit Card Owner Should Know!

If you want to know "how do I clean my credit score up" then I hope this article can help you get on the road to better financial health. There is no time like the present to start cleaning up your credit report! [more...]

Date: 2009-01-15 17:41:52

Debt Settlement Companies: Friend or Foe?

These days, lots of people are swimming in debt with nowhere to turn, no access to credit, and no liquidity, with their credit scores shot… and they’re wondering what to do next. Someone I know who is in this predicament just recently asked me for some input. I told them that there are various paths to the same end: to get rid of your debt or to reduce it to some extent. [more...]

Date: 2009-09-09 06:49:11

Get The Best Home Mortgage Loans

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... number and loan amount. Then the lender will just check your credit scores to see if you are qualified ... regarding their finances, income, and employment. Now, why are people with very high credit scores [more...]

Date: 2008-12-30 12:04:27

Credit Scores: How Important Are They?

3 years ago, it was possible to get a mortgage even if you had "bad credit". Today, it is very, very difficult to get a mortgage unless you have at least a "good" and sometimes a "great" credit score. 7 Vote(s) [more...]

Date: 2009-09-30 18:49:52

Try getting a loan

by Misha Weidman: I’ve been talking to lenders over the last few weeks to get a sense of the credit crunch from their side of the desk ... have a stash of cash ready to go for your down payment and your credit score better be impeccable – or you’ll ... . Several were loan officers at big retail banks like Bank of America and Wells Fargo. Others were [more...]

Date: 2008-12-20 16:35:30

Cook At Home, Red Lentil Soup: The Roundup

Cook At Home, Red Lentil Soup: The Roundup by SVB on December 7, 2008 in Money Roundups It’s getting chillier these days, ... of dollars from your annual home budget. Credit Karma: Perhaps credit scores are now used in new ... to my reading. Here are a few financial articles of note: The Digerati Life: If you’ve got good credit [more...]

Date: 2008-12-10 02:41:33

Self-Employed Still Getting Denied Home Loans, Despite Easing Market

Entrepreneurs_Home_Mortgage_Woes Entrepreneurs are used to dealing with problems people with steady paychecks often don’t have to worry about ... t get a $500,000 loan for a home in San Francisco, despite having a stellar credit score of 800 ... . Here’s yet another one: getting a home loan. The mortgage-lending crisis that’s frozen so many [more...]

Date: 2008-12-02 14:00:28

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

What's going on with GMAC's car loan standards?

Filed under: TransportationFlush with capital from taxpayers, GMAC is lowering its underwriting standards. The credit crunch and a shortage of cash had pushed the company's minimum FICO score for car ... required credit score below 670 would have allowed 65% of Americans to get a GMAC loan [more...]

Date: 2009-01-02 23:00:00

Right track

Yes. I am getting there. Slowly but surely ... , it is such a good thing for credit companies to offer instant credit score checks for fast and efficient ... is to know and be keen with my earnings and payables. To check credit is one of the good way to be able [more...]

Date: 2008-11-03 00:20:23

Latest News in Credit Repair and Credit Score - Oct 8, 2008

Thumbs up for FICO revision - Baltimore Sun 2 Oct 2008 at 9:17pm F air Isaac Corp ... . The financial crisis is increasingly being felt by … Your credit report :: - Chicago Sun-Times 6 Oct 2008 at 9:45am You’ve got a right to get a free copy of your credit report — but figuring [more...]

Date: 2008-10-08 15:27:58

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

Real Estate: Getting From Where You Are To Where You Want To Be

When I'm driving, and get to busy main streets, I hate turning left onto major streets unless there's a light there ... % financing with a 520 credit score." Three words: Not. Gonna. Happen. But there are alternatives. Seller carry-back or raise your credit score are the first two that come to mind. Given the market right [more...]

Date: 2008-07-20 14:23:38

car loans

car loans Filed under: Autos, Finance, Loans Finding A Car Loans Online If you are interested in getting a car these days you have probably ... problem is where to begin. Firstly you should have some idea of your credit score. There are many ... . I personally use creditexpert.com It allowed me for a small mothly fee to view my credit score [more...]

Date: 2009-01-16 17:21:05

Can homebuyers still get liar loans?

Randy Johnson, president of Independence Mortgage Co ... and they have to like your credit scores, but agree with them ahead of time that you are not going ... professional, graduate degree, self employed for over 25 years. My credit score is over 800. I currently [more...]

Date: 2009-01-16 11:00:49

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

Carnival of Real Estate #117 Winners

Get out of your feed reader and comment on this post- we PROMISE that the ShamWow guy won\'t pop out when you do.. ... , D.C. takes 3rd place for What is My Credit Score and How is My FICO Calculated? Raymond helps ... and gives suggestions as to how to improve scores. In light of a credit crunch, this article is very [more...]

Date: 2008-11-17 20:07:39

HAD LOAN MODIFICATION NOW ARM IS ADJUSTING?

Author: admin Filed under: Health LoanDate: Oct 1,2009 ARM we took w/loan alteration is adjusting each 6 mos. Lender incited us down for refinance since the credit scores have been low. Health problems caused us to get at the back of in alternative bills. Would ti 1-888-995-hope be beneficial in this situation? [more...]

Date: 2009-10-01 17:19:41

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

The Next Batman 3 Villain

The Next Batman 3 Villain Add comments Top Rising Stories Tough Weather At British Open Sends Golf Scores Soaring ... to check it out. Get the full story... Credit Lines FREEZE, But Not For Reverse Mortgages Frozen ... Gusting winds of 30mph and heavy rain sent the average score on the first morning [more...]

Date: 2008-07-18 12:42:13

Stopping Foreclosure Through Lender Mediation

by Tomasheus Privetsky You’ve had more than your share of difficulties in the last few months ... A Workout Of Your Loan If you have missed a few payments, your credit score will drop dramatically; once this data is on your credit report, it will be difficult if not impossible to get a new loan [more...]

Date: 2008-12-19 22:27:21

5 Credit Questions with Fair Isaac’s Barry Paperno

Following my guest post on my good friend JD’s Get Rich Slowly about How to Prepare for Buying a Home, ... it needs to be — particularly if errors on the credit report ... , otherwise known as your credit score, which is probably one of the the most important numbers you need [more...]

Date: 2008-09-23 16:11:34

More Than a Cereal: What You Should Know About ChexSystems

If you’re concerned with your credit score and general financial healthy, you’ve probably heard of Experian, Equifax, and TransUnion ... as the three credit bureaus, you can order your Chex report once a year and if you’ve been denied a bank account because of it in the last 60 days. (You can get free copies of your credit report [more...]

Date: 2008-10-29 14:30:09

Why Monitoring Your Credit Score Is More Important Than Ever Before

Are you considering the process of repairing your credit? One of the most important things you can do, apart from getting errors and mistakes removed from your credit report, is to keep your credit... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-29 19:25:22

Setting Long-Term Goals and Getting There after College

by Landon McGehee I had a relative graduate from college recently, ... that there aren’t any mistakes on it. You can get one free copy of your report once a year by visiting ... . 1. Know your credit score. You will have a credit report once you borrow money from a lender [more...]

Date: 2008-11-05 19:53:11

Chrysler to Offer 0% Financing After New Bailout

The government loaned Chrysler Financial $1 ... to a wider range of credit scores, which means it will be that much easier for people without sterling scores of 700 to buy cars. A score of 620 will be sufficient to get you into a vehicle. Chrysler [more...]

Date: 2009-01-16 21:38:39

7 Deadly Buyer Mistakes to Avoid

by Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-16 20:08:42

7 Deadly Buyer Mistakes to Avoid

By Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-19 10:25:48

How to Avoid the 7 most Critical Home Buying Mistakes

by Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-17 20:27:03

When you overdraw your checking account does that effect credit??

don't mess with your credit That is exactly what someone plugged into a search engine to get to my site! I love it - bad grammar and all ... , you can bet that your credit score will take a hit. Also, if you use an overdraft line of credit ... the bank is going to report you to the credit agencies. But if, however, you continue doing so every [more...]

Date: 2008-09-10 16:07:32

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

Latest News in Credit Repair and Credit Score - Jan 07, 2009

Maligned Arizona defense strong against Falcons - Columbia Missourian 5 Jan 2009 at 11:42pm TEMPE, Ariz ... credit repair solutions. The new online based company http://www.180creditsolutions.com provides a fast ... Your credit report :: - Chicago Sun-Times 5 Jan 2009 at 1:12pm You’ve got a right to get a free copy [more...]

Date: 2009-01-07 17:39:55

Time to Check Your Credit Reports

  Happy New Year!  As we start 2009, many people are making resolutions, wanting to do things better and differently than they did in the past ... to do.  To get a copy of your credit report from one, two or all three of the credit bureaus ... on credit monitoring. If you want to know your current FICO scores, you can obtain all three [more...]

Date: 2009-01-03 17:05:27

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

It's a New Year -- Get a $500 Tax Credit on Energy Savings

Now that 2009 has begun, the opportunity is here to enjoy income tax credits for energy efficient home improvements ... more specifics, see the Energy Star website. Other links: For kids Get your personal energy score [more...]

Date: 2009-01-13 22:43:04

Treasury Warns Against Getting Into Trouble With Debt

Earlier this month the Treasury Department, headed by Henry Paulson, in conjunction with The Advertising Council, ... online video game that attempts to teach the importance of having a good credit score managing debt ... financial future. I love the tagline: “Don’t let your credit put you in a bad place.” In an apparent [more...]

Date: 2008-09-29 16:47:02

It’s time to refinance ~ but is your home worth enough to get that great low rate?

Short sales, Bailouts, Mortgage Reductions…there are all kinds of programs being talked about, ... .  But I have a question.  What about the homeowner who has never missed a payment, has a great credit score ... it would be simple with a history of a lifetime of great credit, right?  Nope.  Not if your home [more...]

Date: 2009-01-17 04:16:58

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