Take A Peek At My Lending Tree Home Refinance Offers

Here’s a sneak peek at some that were offered to me when I signed up on their website ... on your credit report, obtaining your score only. This shouldn’t lower your credit score, so don’t worry ... with no points. I have a high 700’s credit score so I feel confident I’ll get a better offer than any [more...]

Date: 2009-01-16 06:48:36

Blog posts (134) | Videos (169)
 

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

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

Are You Thinking About Declaring Bankruptcy?

by Elma Evvie Declaring bankruptcy is one of the most difficult decisions and should never be taken lightly ... of before ou begin declaring bankruptcy that you may or may not know. 1. Your Credit Score: Your credit score is extremely important when it comes to getting new loans or even trying to get a job [more...]

Date: 2008-12-01 12:58:15

Credit Repair In Four Easy Steps

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... these bills so I’m not going to even look at them.” At www.annualcreditreport.com, you can get a free copy ... . First of all, checking your credit score is the only way to get real. Often, we spend months [more...]

Date: 2008-11-27 12:15:18

Will carrying a credit card balance through month end hurt your credit score

As I vaguely mentioned in my $100,000 by Age 30 year end recap post my wife and I are starting to save for a house we want to build down the road ( ... and research. One thing that I want to start preparing for is upping my credit score to get it as high as possible to make sure that I would qualify for the best rates. My credit score is not bad [more...]

Date: 2009-01-16 06:00:12

Types of Credit Repair Services

Types of Credit Repair Services December 31st, 2008 Subscribe To Our Feed Unfortunately, the world is set up to encourage borrowing ... loan, you’ll need an unsecured credit card and a lender to get by. Americans with credit scores from 300 to 700 are all wondering how they can boost their credit scores to that much-coveted 850 [more...]

Date: 2008-12-31 20:38:00

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

What Can You Expect After a Bankruptcy? The Time Line

Recently, someone called this article to my attention, which extolls the advantages of bankruptcy ... because of BK 4 years to 7 years: Credit score below 680, forget about getting an unsecured credit ... : No credit cards, loans, insurance rate skyrocketed. 1 year to 2 years: No credit cards except secured cards [more...]

Date: 2009-01-09 15:35:08

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

Will Credit Repair Enhance Your Plunging Credit Score?

As lending rules get stricter by the day, an increasing number of consumers are desperately looking for ways to improve their credit ratings ... but nevertheless accurate entry on the client’s credit report. This technic exploits a provision ... or out-of-date information from their credit report. This technic works under the premise [more...]

Date: 2008-12-08 07:00:23

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

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

I Guess Our Mortgage Is Officially Considered Small

As a follow up to the post I wrote a few days ago about the new consumer protection laws and the possibility that thrift stores would have to stop ... scores until now.  We went to the annual credit report site and picked Experian.  Credit scores were $5.95 each, and the credit report is free (we normally just get the free report).  We got my husband’ [more...]

Date: 2009-01-09 08:15:42

Finally got my credit score: 698

I held off getting my free annual credit report until after November 30, ... site refused to give me my report or credit score, vaguely suggested that there "might" be some sort ... out how to unlock my account at Equifax so that I could then access both my free credit report [more...]

Date: 2009-01-13 16:46:00

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... as to how much of your available credit you’re using. According to Yahoo! Finance columnist Liz Pulliam Weston, “if your credit card issuer slashes your credit limit — which is increasingly likely [more...]

Date: 2008-12-29 21:48:19

Firm Cries Foul on Credit Reporting, Mortgage Loans

Nearly one in two borrowers is plagued by medical collection accounts that are lowering their credit scores and limiting their ability to get a ... mortgage, said mortgage and credit expert Rodney Anderson, of Rodney Anderson Lending Services, in a press release Monday. When the Federal Reserve announced its plan to invest up to $600 billion in ... [more...]

Date: 2008-12-08 16:04:24

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

Fico And Tri-merge Credit Scoring

Credit score information is somewhat of a mysterious commodity. It’s interesting that the average person doesn’t understand how it works ... year via telephone. Get online and perhaps find a site that supplies your credit report and find ... . For example, do you know when you first started to build credit? The first thing I applied [more...]

Date: 2008-07-18 02:51:54

Five Ways to Get Your Credit Report for Free

I’ve talked at length in the past about how your credit score is determined and why it’s important ... . When we first discovered the problem, we burned through our free credit reports trying to figure ... provides you with access to reports from all three credit bureaus plus your credit score. Just don’ [more...]

Date: 2008-08-29 10:03:53

Finding The Right Credit Repair Service

If you're dealing with bad credit, you know that it can be really difficult to get a loan ... score. A credit repair service starts by looking at your credit report. Once they see ... to lenders and others who use your credit report to determine your trustworthiness will pay close attention [more...]

Date: 2009-01-11 20:51:20

I’m Hit By The Credit Contraction

A year ago, I was still getting awesome credit card offers promising a year without interest payments and other incentives. My credit score is over 600. Neither my score nor my financial situation has changed much ... credit cards with a cumulative limit of about $100,000. I went $20,000 into credit card debt in 1995 [more...]

Date: 2009-01-01 00:15:56

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

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

Top Ten Credit Repair Tips

by katie George Starting Your Credit Repair Project Credit Repair is not hard. Take the time to plan your effort and the results will be fantastic ... important with new cards which are weighed extra heavily by the credit scoring model. Get a Couple ... . Here is a list of our favorite credit repair tips. Try them together, or pick the ones that look [more...]

Date: 2009-01-06 12:21:39

Top Ten Credit Repair Tips

by katie George Starting Your Credit Repair Project Credit Repair is not hard. Take the time to plan your effort and the results will be fantastic ... important with new cards which are weighed extra heavily by the credit scoring model. Get a Couple ... . Here is a list of our favorite credit repair tips. Try them together, or pick the ones that look [more...]

Date: 2009-01-03 18:13:04

Basic tips for improving your credit score

1094832_credit_crunch.jpg Around the holidays, many folks turn to credit for at least some of their holiday shopping ... use Equifax, but have pals who do like MyFICO. You can also get one free credit report a year from Annual Credit Report, but it won’t be so in depth as a paid site. Do you have any handy credit score [more...]

Date: 2008-11-19 20:36:47

Dealership Scams The Credit Score Scam

(Blog News and Information) httpwwwdealerfraudorgnews20080923dealershipscamsthecreditscorescamThis scam is ridiculous at best This is when the finance manager tells you that your credit score is lower than it really ... to avoid Just get your own copy of your credit report from Equifaxcom and bring it with you...... [more...]

Date: 2008-09-24 08:49:17

Will a short sale hurt my credit score?

When I meet with homeowners who are struggling with their mortgage are maybe behind on payments and have no equity in their home, ... get this question - “Will a short sale hurt my credit score? And if so, by how much?” I have been doing ... or foreclosure on one’s credit report. I recently came across some great information provided by a mortgage [more...]

Date: 2009-01-15 20:14:24

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

Does Anyone But Me Control My Credit?

by Jim Bransby A credit score can be critical to your personal finances ... without success. Still, few people understand credit scores and what goes into them, and still fewer know how they can affect them. You might be doing everything in your power to get the highest credit [more...]

Date: 2008-08-22 13:18:37

GMAC Now Officially Requires 700-Plus FICO Score For New Car Loan [Financiapocalypse]

The Financiapocalypse continues. We just received a copy of an e-mail that went out at GMAC, the lending arm jointly owned by GM and Cerberus, ... : you'll now need a minimum 700 credit bureau score to get a car loan at dealer invoice or below from GMAC ... consumers who have a minimum 700 credit bureau score, with an advance rate equal to or less than [more...]

Date: 2008-10-13 22:20:00

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

Mark Your Calenders - Credit and Bankruptcy Lunch and Learn

Copyright RealCentralVA.com, LLC. If you are not reading this at RealCentralVA.com the site you see is likely stealing content ... ? · How much will bankruptcy cost? · How do I get credit after bankruptcy? · How do I improve my credit score? · Can I buy a house after I filed bankruptcy? View Larger Map Limited Seating [more...]

Date: 2009-01-08 14:00:01

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

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

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

Free Credit Report and Scores

It was time to flip Scott’s 0% balance transfers to new cards ... that everything is in order. I’m always on the lookout for another free way to get a copy of our credit report ... Reports Getting Organized: Monitoring Your Credit Report Free Month of Amazon Prime Free Blockbuster [more...]

Date: 2008-12-05 14:29:16

Declaring Bankruptcy

by Elma Evvie Deciding whether or not to declare bankruptcy can be one of the most difficult decisions ... : When you apply for a loan or even get a job if your credit score is bad then that can influence them to deny ... ; then it is going to leave a bad mark on your credit report for seven years. If you are struggling and barely [more...]

Date: 2008-12-30 12:44:30

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

Top 10 Credit Mistakes

Learning the easy steps to repairing your credit can be a big relief and get your financial life back on track. Most children are not trained in how to handle credit by their families other than with vague ... about interest rates, revolving credit and credit scores was often not taught or even understood well by most [more...]

Date: 2009-01-03 21:11:04

Tribute MasterCard Review

by Daniel Moskel The Tribute MasterCard is often used to help rebuild a low credit score. It is an unsecured bad credit card ... to how much credit you have that is not being used. There will be an annual fee; however every sub ... your application. To get the most benefit on your credit report from your card you should try [more...]

Date: 2009-01-16 08:00:12

Get a $50 or $100 Gift Card From American Express

If you’re responsible with credit cards and looking for a bonus, ... of your credit score. Opening and closing a credit card in quick succession may affect your credit score ... Membership Rewards points after spending $500 over the first three months. The points [more...]

Date: 2008-10-02 23:50:19

Bing Ads Warn About Online Scams

If you’re looking for information on how to fix your credit score through Microsoft’s search engine Bing , you might get warned that many of the links you’ll encounter are, in fact, scams. It’s a new campaign devised to protect users from getting scammed; Microsoft worked with the US Federal Trade Commission (FTC), Postal Inspection Service, and Western Union to provide public service announcements (PSAs) in the form of ads on Bing results pages. [more...]

Date: 2009-09-30 09:11:02

Bing Ads Warn About Online Scams

If you’re looking for information on how to fix your credit score through Microsoft’s search engine Bing , you might get warned that many of the links you’ll encounter are, in fact, scams. It’s a new campaign devised to protect users from getting scammed; Microsoft worked with the US Federal Trade Commission (FTC), Postal Inspection Service, and Western Union to provide public service announcements (PSAs) in the form of ads on Bing results pages. [more...]

Date: 2009-09-30 09:11:02

Do To 2009

I'm getting more and more stressed about being "homeless". I've been trying to figure out how to get my credit report ... " which check your credit every month and automatically debits your credit card. Thanks but no thanks. The above site is the way to do it for free.Unfortunately, the way that a so-called "credit score [more...]

Date: 2008-12-28 17:20:00

How To Earn 300,000 Frequent Flyer Miles in 5 Weeks

November last, you might remember this post about the Omni 10k Flyaway offer, where you earn 10, ... if you do get approved, it brings down your credit score a little bit. Third, no one is suggesting ... for new credit cards, some of them come with free mileage bonuses. What Guillebeau did was to sort [more...]

Date: 2009-01-15 09:05:29

Tips For Buying New Car

Most people can not plop down the cash to buy a new car outright. That means most of us finance new vehicles ... the finance guys at a dealer claim they have an “official” report that grossly undercuts your credit score ... online, or getting a loan from your bank. That last option is worth a serious look. Most dealers [more...]

Date: 2009-01-05 05:02:50

Bing Ads Warn About Online Scams

If you’re looking to fix your credit score through Microsoft’s search engine Bing, you might get warned that many of the links you’ll encounter are, in fact, scams. It’s a new campaign devised to protect users from getting scammed; Microsoft worked with the US Federal Trade Commission (FTC), Postal Inspection Service, and Western Union to provide public service announcements (PSAs) in the form of ads on Bing results pages. [more...]

Date: 2009-09-30 09:15:08

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

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