Why A Credit Score Is Crutial To You
Credit scoring is nothing new, it’s been used for 4 decades. A good credit grade is crucial in our financially forced order ... can be utilised, no matter what location you have in society. From employment chances to purchase a house or a car and gaining a charge card, a person must have a good standing in their credit history [more...]
Date: 2009-01-03 21:05:48
Blog posts
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Videos
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Home loans
by Tom Martens For the vast majority of us, homeownership means a monthly mortgage installment ... this rate, your credit history and credit score are major factors in whether your bank considers ... the best option for you. Administration fees payable every month differs with each loan, so check [more...]
Date: 2009-01-16 14:53:39
Why Is It Essential To Have A Good Credit Score?
by Jason Bishop A healthy credit score is principal in our financially driven order ... don’t recognize that Receiving a good credit history can aid them with employment opportunities, applications for credit cards, buying a new house or even a new automobile. To be able to buy a new [more...]
Date: 2009-01-12 19:41:17
Home loan
by Tom Martens Before starting the homeownership or monthly mortgage installment ; ... to the prime rate set by the Fed. When determining this rate, your credit history and credit score are major ... online home loan calculators on financial or property websites to start working out what your payment [more...]
Date: 2009-01-16 14:42:11
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
Checking Your Credit Score
Most people don’t know their credit score. What does that mean? ... debt. Never close your oldest accounts because they can add valuable history to your credit report. Set ... those that do not. Check your credit report regularly. Keep it free of inaccuracies and mixed [more...]
Date: 2008-12-23 11:58:12
Improving Your Odds of Getting Approved for a Mortgage
by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... on what your financial history is like. If you aren’t sure what it is, get a copy of your credit score and your credit report. Banks look at your credit report and score to determine what their risk is [more...]
Date: 2009-01-09 18:30:22
How to find the cheapest car insurance
Car insurance is a must for all of us that own a luxury vehicle and not only ... on various factors, ranging from age or credit score to driving record. Add to the this equation the high ... , having a good credit score and no negative payment history, will tremendously help you get the cheapest [more...]
Date: 2008-12-04 08:30:29
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
You are taking the Plunge! Tips And Tricks To Rent Your Home for Inauguration 2009 and Beyond!
Contracts? Security deposits? Background checks? Credit history? Who thought renting out your home for a few extra bucks could be so complicated? ... www.YouCheckCredit.com, which costs roughly $15 per report. Credit reports with no score can be hard to read. Get a credit report that is scored, so that you don’t have to guess whether they are cr [more...]
Date: 2008-12-10 20:40:12
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
Senators: credit scores shouldn’t determine insurance rates.
A person’s financial history should not determine how much they pay for auto insurance, say three south central Senators. “If you have a low credit score you pay a higher amount,” said Sen. Oletha Faust-Goudeau ... it so insurance companies could not set premiums based on credit scores. She is co-sponsoring [more...]
Date: 2009-01-15 23:01:51
Breaking the Monthly Payment Mentality
Local car dealerships have been running a blitz of advertisements here in my local town over the last several weeks in an effort to move inventory ... ’t check your credit and measure you based on some score. Since we don’t check your credit, we do ask that you build a credit history with us by paying a $99.00 initial fee, followed by 52 weeks [more...]
Date: 2008-12-18 19:00:04
America's 10 Most Stressful Cities [Most Stressful Cities]
WaMu Begins To Sell Itself ... views, Comment Credit History PRBC Helps You Create A Credit Score From On-Time Rent, Bill Payments Payment Reporting Builds Credit (PRBC) is an alternative credit reporting agency [more...]
Date: 2008-09-18 20:13:47
Tricks To Repair Credit Score History
It seemed like just yesterday when you were eating mom’s home-cooked breakfasts and hitting up dad for occasional gas money ... on your report. If you are applying furiously for tons of credit cards, then this indicates that you may ... of managing money. Credit report repair should start with making timely payments, then working [more...]
Date: 2008-12-01 16:49:08
Tips For Your Credit Report
by Jim Bransby A personas credit score can tell a lot about a person and it can even help someone make life changing decisions ... credit report sites. One site will give you the FICO score which was produced by the group Fair Isaac ... an individual will be able to receive a full report of their credit history and what exactly is showing [more...]
Date: 2008-11-25 15:00:21
Beware of Credit Repair Scams
2009 may go down as the year when more Americans resolve to fix their credit than at any time in history – because high scores are now a requisite ... of finding errors is high. In fact, one in four credit reports contain errors. These include data entry ... on credit card debt, so want to feel very certain that you're going to pay them back before they [more...]
Date: 2009-01-13 04:55:48
How Can Lawsuit Funding May Help To Avoid A Bad Credit
Many lawsuit plaintiffs have financial troubles while they wait for a settlement problem that could make more low their credit level . Credit reports are piled up by firms named credit bureaus that get reports directly from lenders about their customers paying practices. Founded on a debtors history of paying bills and the amount of debt the man has , credit bureaus go with a credit score for each man . [more...]
Date: 2009-09-30 13:20:28
HOUSING PUSH FOR HISPANICS SPAWNS WAVE OF FORECLOSURES
For years, immigrants to the U.S. have viewed buying a home as the ultimate benchmark of success ... loans, which carry high interest rates and are tailored to borrowers with low credit scores or few ... multiple cash jobs, but had no savings or established credit history to allow them to qualify [more...]
Date: 2009-01-06 13:19:54
Real Estate: Buying your first home.
Wondering about buying your first home? Are you ready to move up or down-size??? Have you heard they aren’t making loans any more? ... ???.. In simple terms Lenders want: Stable work history; Two years Employment in the same field is considered ... . Good credit; your credit score needs to be 620 or higher, in most but not all cases. FHA [more...]
Date: 2008-09-23 16:00:42
Fannie Mae Gets Into Short-Term Rental Business
Fannie Mae Gets Into Short-Term Rental Business Posted by Condo Vultures Realty LLC under For Buyers, Regional News, Miami, Bailout, Market, ... Policy that now permits renters – regardless of credit score or payment history – to lease homes ... of the tenant’s lease must be honored by the new owner. Peter Zalewski is a principal [more...]
Date: 2009-01-15 14:44:00
Credit Card Horror
The availability of credit for anyone no matter their credit history has caused many financial problems for consumers ... card companies report that at least 20% of consumers have maxed out credit cards ... specific sales pitch or ad. If you have a good credit score, (630 or above), you can usually [more...]
Date: 2009-01-16 23:12:15
Reader Email: Help Me, I’ve Been Evicted!
Every now and again, I get e-mails from readers asking for advice. I always stress that I’m licensed to give individual financial advice ... . I was a Prosper client in the past, but never was able to get funded. My credit score has dropped and therefore ... as a wheelchair/elevator installer. I am very trustworthy and though my credit history might say [more...]
Date: 2008-07-23 17:31:20
Houses, Credit Reports, Lenders….ACK!
Wondering about buying your first home? Are you ready to move up or down-size? Have you heard they aren’t making loans any more? ... terms Lenders want: *Stable work history; Two years Employment in the same field is considered ... your needs. *Good credit; your credit score needs to be 620 or higher, in most but not all cases. FHA [more...]
Date: 2008-11-08 12:00:06
Daily Links: Trial by Fire Edition
Tim Ferriss, author of The 4-Hour Workweek, has a new television show debuting on The History Channel tonight ... , doing so will ding your credit score, but sometimes that’s better than deeper debt. Also, I have first ... you to check out the show! Here’s a YouTube preview: Meanwhile, you folks have been sending me a lot [more...]
Date: 2008-12-05 00:00:58
ChexSystems: A Fast Route To Trouble
ChexSystems: A Fast Route To Trouble Not everyone has heard about ChexSystems and, ... , that can be a problem. ChexSystems is a consumer reporting agency, just like Experian, Equifax and TransUnion. Those three are better known, because they report on your credit history and score [more...]
Date: 2008-10-30 15:39:49
Eagles stun Giants to advance to 2008 NFC Championship Game.
Donovan McNabb will get another chance to chase that elusive Super Bowl title. Eli Manning threw away his opportunity to defend it ... to get something done, get a spark to make a big play, that’s when we didn’t do our best,” Manning said. Credit ... in the air, and also helped skew the score: This was the first game in NFL history to finish 23-11 [more...]
Date: 2009-01-12 02:56:22
Tribute - Revision
The Tribute MasterCard uses help to rebuild a score of the low credit often. It is a non protected card ... for the years. He/it can help to increase your score. It is because with on time monthly payments you will create a history of the positive payment on your report. There is not a price [more...]
Date: 2009-01-05 11:16:30
The Recent History of Bank Failures
Given last week’s announcement that IndyMac Bank was taken into FDIC receivership, ... : Little Money Bags » How is Your FICO Credit Score Determined? » Help a Reader: CDs ... in the banking industry, you can protect yourself. You might also want to check out my earlier [more...]
Date: 2008-07-17 10:41:22
What Are Adverse Credit Debt Consolidation Loans
Credit history refers to an estimation as to how an individual has preformed when it came to taking loans and their repayments ... a normal score of below 600 is considered poor. This results in adverse credit history. We also ... . On that basis only a score is calculated which is known as credit score which depicts [more...]
Date: 2009-01-10 22:43:36
A Rare Bank Without Defaults
No Credit… No License… No History? No Problem? Even before our current mortgage meltdown, ... of loans - all to customers who have no credit history, zero credit scores, no drivers license and nothing ... default on a loan. And that’s thousands of customers over a 20-year period. How can this possibly [more...]
Date: 2008-12-19 20:22:33
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