Off to the beach… Roundup

This is what I am doing right now… Hopefully by the time you are reading this, I am sitting on the beach ... enough? Get your credit report in 4 steps How to sell your house fast in this market Get the best ... a change. I will try to check email/comments/ forums/ etc at least daily. But no promises [more...]

Date: 2008-09-27 14:27:52

Blog posts (618) | Videos (55)
 

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

How to Raise My Credit Score

A common question many people have is how to raise their credit scores ... score is just a bunch of statistics! Get a copy of your credit report and scan for any errors ... it down! When you have an account with no negative reports, it looks good on the credit report. Don’ [more...]

Date: 2009-01-16 07:26:13

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

Those songs from a certain misleading ad campaign sure are catchy – and I don’t just mean that their melodies are hooky and infectious. The main catch from this supposed freebie website  (which shall not be named so as not to introduce any possible confusion with the only FTC authorized vendor of free annual credit reports) is that while the credit report is free, the “credit monitoring” service certainly isn’t.Aand it’s no walk in the park to cancel it either. [more...]

Date: 2009-07-27 10:54:03

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

The bounce becomes a dose of reality.

The business world is finally waking up to the realism that Gordon Brown and Alastair Darling do not have what it takes to get this country's economy ... . Small business are folding, because they cannot get credit, because of the reluctance of the government ... , they report that "Only 28 per cent of respondents said they were confident in the Prime [more...]

Date: 2009-01-09 09:30:00

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

Reader Question on Unused Credit Accounts

First off, I don’t give out financial advice because I’m not an advisor ... your mind. A strategy you might want to try is to get a credit score report and then close ... check my credit report and found that I have five credit cards open that I have not or never used [more...]

Date: 2008-06-12 13:21:22

Obama Named Gun Salesman Of The Year

Hope! Change! People buying massive amounts of guns and ammo! “It’s credit where credit is due,” (the link is getting slammed, so keep trying) ... , January 6, the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) issued a notice [more...]

Date: 2009-01-17 00:30:33

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

P2P Lending Double Whammy – SEC and Credit Crunch

Peer-to-peer lending sites like British-based Zopa are starting to reflect the weakness cutting through the global economy. Their U.S ... with the Big Banks’ experiences was that the average credit score of the delinquent pool is getting ... . operations will now be handed over directly to their Credit Union partners, rather than remain [more...]

Date: 2008-10-16 19:43:02

Project Uncensored

By David Swanson Project Censored has released a valuable new book called "Censored 2009: The Top 25 Stories of 2007-08" ... was more responsible for it, not on who should get the most credit for it. Then they reported that huge numbers ... credit rather than blame for a vote that, for once, matched the will of the public. Small [more...]

Date: 2008-10-01 16:16:11

I Hate Equifax

I wish I could turn my pure emotion into words on the screen to fully express my hatred for Equifax. It is pure. It is flowing. I. Hate. Equifax. Why I Hate Equifax I’ve recently reminded you to check your annual credit report ... running there has been an issue that results in us not getting her annual credit report. This doesn’ [more...]

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

Malawi ranked 132nd out of 183 countries in economic survey

The World Bank’s Doing Business (DB) 2010 Report has position Malawi as number 132 out of the 183 ranked economies in the world. The report measures a set of regulations affecting ten stages of a business’s life, namely starting a business, dealing with construction permits, employing workers, registering property, getting credit, protecting investors, paying taxes , trading across borders, enforcing contracts and closing a business. [more...]

Date: 2009-10-01 16:37:46

Emily’s List: Model behavior edition

Today is the birthday of English supermodel Kate Moss, Hungarian model Michelle Wild and British fashion model Lauren McAvoy ... -up of the best credit card-related blog posts. Celebs love credit cards too 1. Get Rich Slowly finally took the time to read his 63-page credit card agreement and found something he wasn't expecting. Models [more...]

Date: 2009-01-16 14:30:59

09 01 09 New York TimesWith the recession in full swing, the nation’s employers shed 524,000 jobs in December, the government reported Friday, ... than who gets credit for it. Asked at a news conference whether he was worried that some lawmakers ... others think it is too small, he said he was open to consultations with Congress.But the president-elect [more...]

Date: 2009-01-09 18:12:59

Flipswap invests $14 million to help recycle used electronics

Flipswap, who claim to be the leading solution in electronics trade-ins, has announced that HGEN Partners, ... in dumpsters ending up in landfills each year.  By offering mobile customers instant credit ... .  Flipswap provides a way for users to recycle their old handsets while getting credit toward the purchase [more...]

Date: 2008-11-12 13:59:33

Why Do You Do Your Own Homework?

Since the internet came along it is almost impossible not to find someone else to do your homework, and gladly at that ... , but they have one other thing going for them to give them material to act like condescending a-holes online ... so you can get the answers IN LONG FORM no less for your homework and get perfect credit. So…why [more...]

Date: 2009-01-12 02:53:05

Debt Consolidation Loans: Provides You Information About Your All-Financial Quarries

Debt consolidation is where people with multiple debts seek help from professionals who offer them a loan that will consolidate their loans into one ... in a devastating bankruptcy which most of us wish to avoid. Bankruptcies can stay on your credit report ... become more unaffordable, they end up defaulting on a few payments and their credit report gets [more...]

Date: 2009-01-08 14:50:52

What is my fico score?

The following post in our Reader Question series is an actual user submitted question ... of Equifax’s credit monitoring service. You get your Equifax FICO score as well as all three bureaus’ credit reports plus 3-bureau credit monitoring and some other goodies. It’s a great service so you may [more...]

Date: 2009-01-14 18:46:28

Helper In Getting Credit Cards

Every day we receive invitations or pre-approved credit card applications in the mail or emails. All these credit companies are offering different benefits and there are a lot of hidden ... . Is there such a way that we can make our life easier with regards to credit card applications. Yes [more...]

Date: 2008-07-14 02:20:47

Five ways readers can save on books

NEW YORK (AP) — One budget line Wendy Li isn’t watching even in this tight economy is her spending on books. That’s because she uses PaperbackSwap ... to high food and gas prices. Start swapping If you’ve got books to barter, check out sites ... you’re willing to trade. Every time you mail a title out, you get a credit or point, which [more...]

Date: 2008-11-21 22:49:38

LOVE NOTES TO LEO

"Ubiquitous" TyposLeo, buddy—our residents can’t thank you enough for providing us with the definition of “ubiquitous” in your recent Web site ... , you get 50% credit since you spelled it correctly once and blew it the second time. And, it’ ... skills? Aren’t you overdue for a trip to visit our fair city? It would be great if you popped your head [more...]

Date: 2009-01-10 12:46:00

damn, i'm good

PART ONEI have spent ALL MORNING (and into the afternoon) trying to call a credit union to get a competing loan on this house nailed down ... . Niiiiiice. So I find out how to quicken up the process (we close a week from tomorrow) and then gird ... for it at closing.) . . . . third, uhm, well, look. Mr. B. has talked to the folks at the Navy Credit Union [more...]

Date: 2009-01-14 21:34:00

It should come as no surprise that the power companies have undue power in Arkansas. They want a poison-spewing coal-fired plant, they get 'it ... is that some states have made it easier for homes and businesses to generate electricity and to get credit ... , expensive power plants. Here's a snippet from a blog item on a Stateline.org report on states [more...]

Date: 2008-06-18 10:44:02

Listen to this awesome news!!!

I don't know if you remember, but a sweet but desperate reader wrote in saying that her student loans went into default and she wanted to know how to ... into collections! How do I get it off my credit score?My heart immediately sank, but I wrote back a short post ... and it is now officially OFF my credit report..thank God! It turns out that they mailed [more...]

Date: 2009-01-03 18:08:00

Mortgage Market Week in Review

So, it’s Friday again and what has this week been like for the mortgage world? Well, it’s certainly not been boring, that’s for sure! ... that the government will actually have to bailout Fannie and Freddie. The credit markets get nervous ... that what they did was a big fat nothing. I’ve done a fair amount of reading and studying of Bernanke [more...]

Date: 2008-08-08 15:17:35

Fundamentals to Repairing Credit

Fundamentals to Repairing Credit by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will ... on your “credit report” and “credit score.” Therefore, you need to know what those ... bureaus: Experian, TransUnion, and Equifax. One can get a free credit report from each every year [more...]

Date: 2009-01-09 00:28:48

Recalls of the Week

Its a New Year with new beginnings. I wish everyone a safe and happy year. God knows we all could use it. I ended my New Year with a bang...sort of ... for a full credit toward purchase of a new crib. As an aside, it bothers me that they do not refund your money, but instead give you a credit to get another Jardine crib. I would suggest you insist [more...]

Date: 2009-01-08 23:58:47

Credit Karma’s Credit Simulator (and Other Credit Tools)

Last April, I went to Finovate Startup in San Francisco ... you can get, free credit scores from them. It’s important to realize that a credit score is different from a credit ... -track with the credit score explanation.  I meant to report that Credit Karma won Best in Show [more...]

Date: 2008-10-28 14:13:56

Hurry, hurry, and don't look at the fine print

(Wes Vernon, RenewAmerica analyst) - If Congress seriously wants to come to grips with the underlying causes of the credit crisis, ... , we may get our "instant gratification," without getting a long-term solution... [more...]

Date: 2008-09-25 05:56:32

Verizon is a Dishonest Company!

My husband bought me a blue tooth for Christmas. I did not like it, it hurt my ear ... me I can get a check, but it will take 4 to 6 weeks to reach me or I could get credit. Again I voice ... and go to a store close to my employment. I waited 30 min's on line so I could be told again they also don't [more...]

Date: 2009-01-14 06:33:13

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

The Great Crash of 2008

If this isn't a Great Crash I don't know how to define one. Stocks were down another 7 percent today ... have they gone on strike? Not because of the difficulty of getting credit. Most consumers can barely ... , 2007 (the National Bureau of Economic Research now tells us) was the first on record in which median earnings [more...]

Date: 2008-12-01 22:28:00

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

Van Jones Testifies on Green Collar Jobs, Makes Complicated Things Seem Simple

I’ve written about how much of a relief it is that adults have been put back in charge of our energy policy ... will be in the history books. 100 years from now students will study this Congress, and they will ask ... on credit cards. Lets get back to building rather than borrowing in the United States. … [more...]

Date: 2009-01-16 04:26:25

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

Credit Card Payoff Calculator with Excel

, every little web applet pretty much to determine how long something as “simple” as paying off a credit card seems to be laced with spyware or less ... (b2,-b4,b1) 6 Years to resolve                                =b5/12 And voila, instant credit card ... and go further into the whole. So, that being said, how do we get a calculator for credit card [more...]

Date: 2009-01-16 21:35:36

soon, but not now.

Although I have no plan of getting another credit card after all the things that I’ve been through, I am still hoping that one day, ... for most. In my case anyways, I am still making my way to improve credit score since, I have lost most ... my payables completely, still, everything has this effects or has affects my credit score. Sad [more...]

Date: 2009-01-15 17:28:10

Sound bites galore on today's presidential trail

It was a good day for good lines from the stump. The Ticket already sent kudos Barack Obama's way for a well-turned variation of a famed Ronald ... -- Bob Casey of Pennsylvania -- coined the barb, Biden said. But he gets credit for delivering ... up for free automatic and instant alerts of every new Ticket item with gusto sped directly to your cell. [more...]

Date: 2008-10-09 01:03:31

Get Out of FreeCreditReport.com’s “Triple Advantage”

FreeCreditReport.com is the heavily advertised company that offers “free” credit reports ( ... reminder to check your bank and credit card statements at least once a month so charges like this don ... in mind that the place to get truly free credit reports, three times per year (once from each bureau [more...]

Date: 2008-07-25 18:29:44

Miles Rewards

The husband told me few days ago that his miles awards to anywhere in the US or Asia has been doing nice. And we can prolly use that anytime ... for our vacation. www.megacredit.com So, I might get a new credit card that has a miles rewards cards. I have that before but I simply discontinued it due to a very high per annual fee. Now, that the [more...]

Date: 2008-10-29 03:03:40

Market Gains Don't Impress Stockbroker Photos [The Panic Of '08]

Asian and European stock markets are posting gains of 4 to 10 percent this morning thanks to a coordinated effort among ... was aimed at the wrong target. Purchasing mortgage securities from banks wouldn't do anything to kick-start lending and get credit flowing again, they said. Rather, banks would use the proceeds [more...]

Date: 2008-10-13 12:20:58

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

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

How To Get Your Free Government Credit Report

Under the Fair Credit Reporting Act, you are entitled to ask for, and receive, a free copy of your government credit report once a year. The FCRA serves to promote accurate information, held in privacy, by consumer reporting companies [more...]

Date: 2009-09-24 11:08:43

US Fails to Protect Against the Living Dead & Other Dangers

The week of August 7th, 2008 the amount of malicious spam a single computer user received finally overtook health and product spam. Meant to exploit holes in your operating system, get credit card information from you, or simply ... for American Progress and the Center for Democracy and Technology have released a report which shows [more...]

Date: 2008-08-13 18:56:59

Comic-Con Forecast: Hot, Crowded and Geeky

SAN DIEGO -- Like Clark Kent ducking into a phone booth, Comic-Con International is about to get super ... credit for firing up the buzz machine that led to Iron Man's superheroic box office numbers. "Comic ... ? You can still score one on Craigslist if you're willing to cough up the big bucks.) The lines to pick [more...]

Date: 2008-07-24 03:51:26

Bush and the War in Iraq

George W. Bush does not get the credit he deserves for keeping our nation safe from terrorism since 9/11 ... disappointment.’For many historians -- not allowing a little history to pass before rendering judgment -- this makes him a ‘failed president.’ In a 2006 survey of 744 history professors, 82 percent [more...]

Date: 2009-01-17 02:39:00

BREAKING KNEES!!! The Internet May Go Dark Just As "Kneegate" Negates Pats' Season!

*Pardon me as I rehash the obvious, perhaps even use some of the same jokes you've already seen/heard - I haven't been in tune with the national ... the "One" part of that "18 and..." mantra. But I won't take credit for Tom Brady realizing the law ... us all: 1. If the Pats do well, Bill Belichick will get MORE credit. We all know it's his fault [more...]

Date: 2008-09-06 13:50:37

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