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

Blog posts (40) | Videos (18)
 

Is Your Credit Application Affected By Your Job?

The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many ... of people who manage okay and are able to maintain a good credit rating, it still may not be good enough [more...]

Date: 2008-12-01 14:29:30

Washington Post Death Spiral Watch (Joe Stephens Edition)

Outsourced to Nate of FiveThirtyEight.com: FiveThirtyEight ... of the borrower. According to current rate quotes from myFICO.com, a borrower with very good credit can expect a mortgage rate about 30 basis points better than someone with pretty good credit, and a borrower [more...]

Date: 2008-07-06 19:46:28

Start Loans For A Clean Future

Thousands of Americans buy their daily trip to the debt ... was in a precarious situation regarding the credit debt and low credit ratings would not be able ... credit histories, so a good credit score is not necessary [more...]

Date: 2009-01-05 00:43:48

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

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

Refinances Booming? Not As Much As You Think

Discount all the reports you read about Americans lining up to refinance their mortgages and take advantage of the lowest rates ever ... , most often because their credit isn’t good enough or they don’t have sufficient home equity ... These are people who have good credit, who have had been in their homes a long time, people who already [more...]

Date: 2009-01-16 00:46:03

Use Online Surveys To Build Customer Trust And Loyalty And Thrive During The Recession

The ongoing financial crisis and talk of recession has left a lot of Internet marketers worried about whether they will be able to stay in business ... . Social network marketing sites, email, instant messaging and Skype all offer the Internet marketer ... with products first is not a great way to raise your credit rating with your prospects. One good way [more...]

Date: 2008-11-19 17:54:53

Mortgage Interest Rates Hit New Lows

Mortgage interest rates are sitting at about the lowest they have ever been. The averaged 30-year fixed rate loan is hovering at about 4.97% and the average 15-year loan is sitting at just 4.25% as of the week of September 25 th , 2009. These banner rates will be available to consumers with good credit scores, have significant home equity, and know how to shop around for the best deal. If you meet this criterion, it’s an absolutely great time to refinance your loan. [more...]

Date: 2009-09-30 17:45:59

Does The Most Common Refinance Problem Have A Solution?

What is the problem? It’s the shrinking value of your little bungalow ... . They have a 6.25% mortgage rate. They still have good credit, the same employment, and want to lower ... on your mortgage payment is a good thing. Check with us or a trusted loan officer to determine [more...]

Date: 2009-01-06 15:57:19

The Warning Signs Were There

Everyone knew that this was a possibility, but everyone - Democrats and Republicans - went along with the idea, ... those banks to extend home mortgages to individuals whose credit is generally not good enough ... more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings [more...]

Date: 2008-09-26 12:45:00

Tips on Declaring Bankruptcy

If you know you’re going to declare bankruptcy, there’s probably not much I can say to make you change your mind but there are a few things I can ... to have a ding on your credit report for years to come.  What does this mean?  Kiss the good interest rates goodbye and kiss the annual-fee free credit cards away as well.  You’re most likely going [more...]

Date: 2008-11-29 20:11:42

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

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

Interesting Reads 26 Sep 2009

Here is a video of Buffet praising a Chinese suit company I found this week. I thought this was pretty interesting because it looks like Buffet doesn’t wear any other suits these days, so their suits must be really good or at least really good value for money. On to some other great posts this week: Savings Account Rates: The Latest on High Returns @ The Digerati Life Credit Monitoring Services check your credit report @ The Smarter Wallet Understanding Marginal Tax Rates @ M is [more...]

Date: 2009-09-26 14:05:47

Is It Time to Refinance?

Is It Time to Refinance? Written by Credit Karma January 9th, 2009 at 7:09 AM CST 2 comments Rates are going down ... of the Federal Reserve’s and Treasury’s efforts to bolster home prices, un-freeze the credit markets ... refinancing: Have Good Credit. There are no more subprime mortgages. Most likely subprime mortgages [more...]

Date: 2009-01-08 17:50:03

Finding the Right Lender

.fullpost{display:inline;}By Mary BushOften when people think of applying for a loan, they consider only the terms of the loan, ... credit rating, and aren't seeking huge sums, you will likely be eligible for an unsecured loan at a standard financial institution. If you have good credit, but are looking for a very large amount, you may [more...]

Date: 2009-01-10 08:41:00

Don’t Pay Off Bad Credit

Step three in the “Should I Buy a House Now” series is somewhat of a sidetrack ... towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long time ... your bills on time, that you have good credit.  Paying your bills on time only accounts for 30% to 35 [more...]

Date: 2008-11-11 17:02:59

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

Upgrade Your Automobile with Low Rate Auto Loan

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... of the annual percentage rate and also on the terms of a loan./ppSecondly, credit score of a person puts ... to assume that your statement as to your good credit is accurate./font/divpAre you thinking of buying [more...]

Date: 2009-01-11 12:16:13

Borrowing future growth

By Fester: Today's employment and unemployment numbers were ugly. The unemployment rate went to 6 ... . Some credit the short term rebate check stimulus. but there is another reason that sounds very plausible for this good number despite all of the labor, income, and credit market problems. Dave Altig [more...]

Date: 2008-09-05 19:20:39

It is soooo coold.. brr. Post Roundup

YEAH! Its melting Creative Commons License photo credit: *Micky The past few days have been extremely cold here in Minnesota, ... With Good Ones Time To Chck Your Annual Credit Report! Problems with Gift Receipts? Debt? What Debt? Mortgage Refinance Rates Continue to Fall The New Frugal Forum @ frugalhacks.com Free Advice [more...]

Date: 2009-01-14 16:21:15

Find Out Here Useful Knowledge - Finding Secure Auto Loans Website

You can find online car loans everywhere. But before you punch in important personal information, make sure that you’re on a good secure site ... . You can take it with no penalty if the dealer offers a better loan rate. Check out credit unions, banks ... -related expenses. Don’t forget to verify your credit record. Order a copy of your credit report [more...]

Date: 2008-11-16 19:08:43

8 ways to improve your credit score

8 ways to improve your credit score By Katie McCaskey, Geezeo.com Why? Because it’s harder than ever to get a loan. And the higher your credit score, the better your chances of securing a loan at a good interest rate when you need one. Read More » Cheat Sheet Biggest Loser Club on trimming [more...]

Date: 2008-12-13 00:46:40

Mortgage Rates Fall to Record Lows

Rates are at their lowest level in decades, but mortgages remain elusive for most homeowners and hopeful buyers January 15, 2009, ... that the government would buy up to $500 billion of mortgage-backed securities backed by Fannie Mae, Freddie Mac ... as homeowners with good credit and equity in their homes—an unusual combination these days—rush to lock [more...]

Date: 2009-01-16 13:41:00

Fed Predicts Economic Decline in 2009 Despite Obama

Minutes from the December 16th Federal Reserve meeting have been released and 2009 is not going to be a good year for you ... , and restrictive credit conditions were likely to continue to hinder household spending over the near term” ... rates to record low levels. U.S. auto-manufacturers suffer as Ford and GM report December sales down [more...]

Date: 2009-01-08 18:59:25

Credit Fears Ease

Credit fears ease…  Chuck’s thoughts from the road… India cuts rates… China growth slows, but is still 9%… And Now… Today’s Pfennig! Good day…And welcome to what should be another volatile week in the markets. Credit worries eased ... that the credit markets may be calming down a bit after the government moves to shore up the big international [more...]

Date: 2008-10-20 14:34:28

Widespread Mortgage Refinance (Good Credit Doesn’t Pay)

Mine won’t be one of the three million mortgages expected to get a new deal via The Bailout ... , to have the right numbers on our credit report. AND a month later when every headline ... , and took the best mortgage deal we could get. Who Wouldn’t Take an Adjustable Rate Mortgage? Because [more...]

Date: 2008-10-30 13:35:53

Good Time To Ask About Refinancing Your Mortgage: I Might Save $50,000!

With the rate drop yesterday, mortgage rates are at amazing lows. People in the office are bragging about locking in 4 ... . (Especially if you have a good credit score and a loan-to-value ratio below 90%.) My favorite source [more...]

Date: 2008-12-18 11:53:02

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

Fed Watch: More Easing Expected

Today, the Fed lowered the target interest rate to 1%. Will the Fed lower the target rate even further if things don't improve? ... of households and businesses to obtain credit. Any other assessment would have been surprising ... s durable goods report is no exception, with nondefense, nonair capital goods declining 1.4 [more...]

Date: 2008-10-30 06:21:53

Ripples from Chase. Banks in the news, and not in a good way

Here is a job listing just in time for all those great folks at Chase Chase’s exit from wholesale left brokers searching the rate sheets in their ... up-front fees for application, credit report and appraisal with the thinking being “once a customer writes a check, even for a nominal amount, they are motivated to stay put”. And successful [more...]

Date: 2009-01-15 14:34:13

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

Payday Loan Harassment

Make a good chance from no fax payday loans. The need for another 15 days. Technology has changed the way of people’s thinking ... to avoid further charges as well as your employment with a poor credit histories while approving ... harassment post-dated check from that company. The rate of interest debt! This can be really helpful [more...]

Date: 2009-01-08 05:56:13

Barriers and Problems Refinancing a Home Mortgage in 2009

My quest to refinance my home mortgage continues. Rates are around 5.00% with no points for a 30 year fixed, last I checked ... based on LVT ratio, credit score, and loan type. For instance, take someone with a 95% LVT, good ... Fannie Mae and Freddie Mac underwriting guidelines must have an LTV ratio of 80% or less. Higher LTV [more...]

Date: 2009-01-14 11:00:51

The Reality of The Good Cars We Are Building Today. Read On.

Too often the conventional wisdom in the looming credit crisis and the request of The Big 3 for a federal loan has been that it’s all Detroit’s ... independent survey on initial quality? Did you bother to read the Consumer Report that rated Ford on par [more...]

Date: 2008-12-23 00:09:27

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

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

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

Obtain Helpful Recommendations About Orlando Realtor

Part I Step 1: Spiff up your credit Good credit can lower your mortgage interest rates, potentially saving you hundreds of dollar a month ... . Order a credit report (usually free online). You can dispute any mistakes, but the most important thing is to build up good credit from here out. Lenders want clients who can pay bills on ... [more...]

Date: 2008-12-31 00:00:10

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