Improve Your Credit Score

We have been getting a lot of calls from this certain bank where my brother has applied for a loan ... you maintain a good credit score. But be sure to remove credit report errors so you would ... some of you can relate, and if there is one thing that could make everything stop, it is to improve credit score [more...]

Date: 2009-01-10 02:25:22

Blog posts (122) | Videos (133)
 

Building Credit Repair

Building Credit Repair Building credit is more important now than it has ever been. If you have bad credit, it is often hard to get an apartment, a loan for a home, or any form ... is to apply for credit cards that offer no annual fees. Also, make sure the cards have low interest [more...]

Date: 2008-12-21 05:14:09

How Fast Can You Get A Home Loan After Bankruptcy?

One of our readers, Desiree, had this question: Is there any possibility of getting a home loan sooner than 2 years after a bankruptcy discharge? ... in bankruptcy”. If it doesn’t, then it is still counting against your credit score each month. Challenge Any ... reports, the credit bureaus will freeze your credit score until the dispute is resolved [more...]

Date: 2009-01-06 16:28:19

Things you may want to know before submitting a package

What is happening today in mortgage lending:As of Jan 24th Du will be updated. The up date will now show the correct county limits ... will not get an ineligible just because the loan amount is exceeded. Non Traditional Credit will now require that the credit bureau provide Names and address of the trade line being verified. As of Jan [more...]

Date: 2009-01-16 15:20:00

The Ins and Outs of FHA Loans

If you are interested in purchasing a home, you will find that there are many different financing options available to you ... perfect credit, you may be able to get approval for an FHA loan even if you have been turned down ... , you can still obtain an FHA loan just two or three years after filing if you have maintained good [more...]

Date: 2008-12-31 13:57:36

Back in Action

Okay, the holiday’s are over, and it is time to get back to work ... to the loan amount (”LTV” or Loan-to-value in mortgagespeak), credit score, points paid, and how long ... back in November the Fed has started to purchase mortgage backed securities in an attempt force [more...]

Date: 2009-01-06 21:58:39

Beware of Credit Repair Firms: But Don’t throw the baby out with the bathwater

Most of the credit repair, TILA audit, Loan mod etc firms are incompetent, perhaps dishonest, and definitely misleading. BUT SOME ARE ON THE LEVEL ... a fee in advance of performing services to amend credit reports.  According to the FTC’s press release ... . CHECK IT OUT. GET REFERENCES — REAL REFERENCES. FTC Sues “Credit Repair” Firms for Misleading [more...]

Date: 2008-11-16 15:26:24

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

Unsecured Loans No Credit Check: Easily Accessible Finance

Generally to get before loan approval credit report is verified by lenders. But considerin... [more...]

Date: 2009-01-01 13:44:00

Bankruptcy Nation

Bankruptcy Nation by Steven D Fri Oct 10th, 2008 at 04:53:54 PM EST The failure of the financial and credit markets is not just a cause for pain ... , as more and more businesses are unable to get the credit lines and other loans from their lenders [more...]

Date: 2008-10-10 21:23:42

How to Build Credit So You Qualify for a Home Loan

My husband and I are completely debt free right now ... a loan. What should I do to make sure that we don't get dinged for having no credit? (A problem ... he chose to go completely credit card less during college after discovering he could not handle them [more...]

Date: 2008-10-05 18:57:19

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

The loan money i$ out there…….

Qualifying for a mortgage is not nearly as easy these days as it was just a couple of years ago, ... . All of us can get copies of their credit reports from each of the three major reporting companies at no charge ... before the subprime-loan-market collapse and the worldwide credit freeze. Still, mortgages [more...]

Date: 2009-01-15 17:02:23

Get The Best Home Mortgage Loans

by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... to obtain this loan, you must have a good credit report. Unfortunately, not all lenders are equal ... or no documentation but just by looking at a very good credit report, they reason that an applicant wouldn’ [more...]

Date: 2009-01-04 08:16:22

Mortgages In Arizona For Canadian Citizens Still Available

This week, we were asked by a few people whether or not it was still possible for a Canadian citizen to get financing on an investment property in ... 75% Loan-to-Value International credit report required Verification of mortgage history on primary ... bank statements Picture ID (Drivers license, coy of passport) If self employed, last 2 years Canadian [more...]

Date: 2008-10-17 03:46:05

Get a new house with bkr loans, 474007 euro in one day

Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. And of course, each loan and each borrower are different ... in processing the loan, to appraisal and credit-report fees, among others. It is a transfer ... , compare the fees at each mortgage company you’re considering. So how do you find a lender [more...]

Date: 2009-01-15 21:15:03

The Best of August 2008

August was a great month here at FiveCentNickel, thanks in large part to contributions from readers such as yourself ... for Your Car-Buying Dollar Quicken 2009 Discounts Five Ways to Get Your Credit Report for Free ING ... Qualifying for an FHA Home Loan A Peek Inside Our FNBO Direct Online Savings Account Is Your Credit Union [more...]

Date: 2008-09-02 03:01:56

Facts and Insights About Experian Credit Report

by Ray Lam Correcting inaccurate information is a task that is frustrating, costly and can continue for a lifetime, ... your current report and click on the “Dispute Information?”. Get free credit report from Experian by asking ... their credit report to know its current content, especially before applying for a loan, for employment [more...]

Date: 2008-07-20 20:36:17

Search Out Valuable Information About Dr. Phillips Homes For Sale

Bank owned homes, a good deal?brbrIf a property does not sell at auction, ... payment. The actual amount depends on what kind of loan you get and how good your credit [more...]

Date: 2009-01-08 03:03:04

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

Instant decision unsecured loans- Sort your financial problem without any security

If you are going through from financial crisis or cash shortage and urgent unexpected expenses arise, bad credit loans will help you to overcome from these circumstances. These loans are easy to apply and also it’s easy to get instant access. The borrowed funds can be utilized to meet nay and every [more...]

Date: 2009-01-13 12:56:21

How to Clean up and Get a Higher Credit Score

At the moment, about 30 million credit card users in the United States have low credit score (below 620) ... . Insurance companies, employment firms and even landlords also use this system to check an applicants paying ... . Low numbers in the credit score sheets means slimmer chances for them to obtain loans [more...]

Date: 2008-12-03 07:00:10

Make big budget problems into small ones

Jen bares her spending issues in this post. It’s a good post to read because it illustrates how one should try to get hold of a big issue ( ... ) 2. Student Loans 3. Interest owing on our Line of Credit (where that $20k is sitting) Now, even ... about what is truly non-negotiable, or you need to look at how to renegotiate your non-negotiables (e.g. [more...]

Date: 2009-01-17 03:14:01

Irresponsible Borrowing Means Wary Creditors

Irresponsible Borrowing Means Wary Creditors Posted in January 17th, 2009 Category: ... Credit Going out to secure a loan can be a difficult experience at the best of times. make money online This is more so when you have managed to get yourself a history of bad credit [more...]

Date: 2009-01-17 05:24:44

Payday loan, emergency cash money

Applying for a loan and getting it in your hands has a lot of gap in between ... a post-dated check that you pay in advance to the lender. This serves as a security for the loan ... , depending on your income. The repayment term is usually a week to a month. If you have a bad credit [more...]

Date: 2009-01-03 00:33:35

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

Instant Cash Loans: Get Financial Security Right When You Need

For handling your emergencies you can get the instant cash loans ... options by following which it will be quite stress-free. Credit checking system is not at all being [more...]

Date: 2009-01-13 12:56:21

The Big Bank Job: The Insanity of the $700 Billion Giveaway by Michael Hudson

Dandelion Salad Sent to me by Jason Miller from Thomas Paine’s Corner. Thanks, Jason ... will get rid of their bad mortgages, and also their bad car loans, furniture time payments, credit-card loans [more...]

Date: 2008-09-28 10:05:07

Helping Yourself Qualify for a Home Loan

There are a fair number of specific helpful suggestions to make in helping you purchase a home. All of them revolve around the loan ... , but if you don't have at least two open lines of credit, a given reporting bureau may not report a score ... thing is to get a credit score above 720. If you're there already, keep doing what you're doing [more...]

Date: 2008-06-20 13:39:52

Help! Poor Black People Are Stealing the Election from Rich White Guys

By Lloyd Hart You may have noticed over the last week the word acorn or to be more exact A.C.O.R.N ... practices in minority neighborhoods - a deliberate practice of banks not providing equal access to credit ... loans from mortgage companies and banks who saw the future and were desperate to get rid [more...]

Date: 2008-10-11 21:55:03

Repairing Your Credit Is Possible

Know your rights and be eligible for any type of loan ... from them in a polite way. That’s all there is to it. Get Your Credit Report You have the right to ask for one report per year, free. And even though the bureau may charge you a fee, it is never [more...]

Date: 2008-12-11 17:59:54

Winter Haven, Florida: Get FHA Downpayment Loans from Immediate Family

With Downpayment Assistance Programs (DPAs) ... will give homebuyers a “mini bailout” of sorts to pay back their folks! As part of HR 3221, qualified ... credit authorized by this bill when they receive their refund.  This is really a pretty sweet deal! FHA [more...]

Date: 2009-01-08 04:53:56

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

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

Free Credit Report 3-in-1

A good reputation and credible name is something that we all want in our life ... of your credit history online from three major bureaus where the lenders get their basis for approving ... with a bad record or worse a bad credit reputation. Sometimes even if we don’t have loans [more...]

Date: 2008-11-16 14:30:00

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

Ultimate Debt Guide - Get Out of Debt With Debt Consolidation?

by Ash Ford How to get out of debt by not filing for bankruptcy or by signing up to a long-term debt relief plan which has the potential to push you ... and be in over your head with loans, credit cards, car payments, mortgages etc. Finding a way out isn’ ... truth about the credit card game is clear to me now and you’ll learn why numerous people remain [more...]

Date: 2009-01-15 02:47:14

Smaller banks still making loans

Boston Globe reports on local conditions for small businesses: Even as consumer loans become harder to get, ... executives report a continued flow of borrowing by small businesses, despite the credit crisis ... many small businesses in Massachusetts report they are still able to borrow money.In Franklin [more...]

Date: 2008-12-02 10:00:00

Fed opens up new loans for car dealerships

In addition to the $17.4 billion loan program announced by the Bush administration last week, ... small-business and consumer lending. The program — called the Term Asset-Backed Securities Loan Facility, or TALF — is intended to help small businesses and consumers get credit. What it means [more...]

Date: 2008-12-24 13:30:53

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

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

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

Canada follows U.S. with auto aid package

By Frank McGurty TORONTO (Reuters) - Canada will follow the United States in providing C$4 billion ($3.3 billion) in emergency loans to the Canadian arms of Detroit’s ailing automakers to keep them operating ... consumers to get credit to buy cars. The federal government will provide C$2.7 billion in short-term loans [more...]

Date: 2008-12-20 17:46:37

Barack Obama Draws 100,000 to St. Louis Rally

Wow. This is impressive no matter your political persuasion ... have disappeared. The credit crisis has left businesses large and small unable to get loans, which [more...]

Date: 2008-10-19 04:51:44

Get Out of Debt Fast With The Ultimate Debt Guide

by Ash Ford The Ultimate Debt Guide is a system that uncovers how you can become debt free without signing up to a long-term debt relief plan or ... into debt and be overwhelmed with credit cards, loans, mortgages, car payments etc. Discovering a way ... . What are you looking for? Is it authoritative information on debt consolidation? debt consolidation [more...]

Date: 2009-01-15 02:49:47

The auto bailout saga has just begun

1. Congress bails out Detroit to the tune of $17.4 billion.And "of course", if GM gets a loan, GMAC should access Federal funds via the U.S. commercial banking system. From Bloomberg:GMAC will transfer at least 25 percent of the mortgage ... event” in ResCap credit-default swaps, GMAC said. A succession event could erode the value of those [more...]

Date: 2008-12-27 13:51:00

Get a new home with bkr loan, 201029 euro in less than a week

And of course, each loan and each borrower are different ... , to appraisal and credit-report fees, among others. Brokers work with many mortgage bankers and, as a result ... . A mortgage is the pledging of a property to a lender as a security for a mortgage loan [more...]

Date: 2009-01-11 18:32:15

No Fax Payday Loans-But Are They Hard To Get?

by Jacob Williams Frequently there is a circumstance in which you will run into an unanticipated expense ... , and employer. Some companies do not even require a credit check. This means even if you have bad ... to furnish information on your bank account, employment, income, and identification. You will also need [more...]

Date: 2009-01-16 17:49:40

New Year’s Resolution - Get Out Of Debt

I thought I’d share a little story with you on New Year’s Resolutions ... is to finally get out of credit card debt”. I wasn’t sure we were going to be able to accomplish it, since ... been able to pay off our car loan. It’s a good feeling to know that our only debt is our mortgage [more...]

Date: 2009-01-16 20:10:12

Small Business Loans Can Help You Write Your Success Story

Scene one: you’re sitting on your office desk surrounded with files and work overload, you’re thoroughly frustrated. You work hard and get paid ... , credit history, equity, presence of collateral. The primarily things will be your ability to repay [more...]

Date: 2009-01-03 08:07:30

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