How to Resolve Credit Bureau Reporting Errors

Photo courtesy of neoliminal A couple months ago my wife and I started a passive search for a new home ... idea to check your credit report to make sure things are being reported correctly.  Inaccuracies ... on a new home. Skeletons In Your Credit Closet? Often times consumers have legitimate, negative [more...]

Date: 2008-10-23 11:00:30

Blog posts (35) | Videos (12)
 

No Fee Mortgages Coming Soon

Buying a home, especially for the first time, can be a daunting experience. There are endless credit checks, bank checks, employment checks, appraisals and more paperwork ... . It just isn’t possible to obtain a mortgage without a credit check or an appraisal of the property [more...]

Date: 2009-01-15 11:26:00

second residential mortgage

If you are still confused about what a second residential mortgage loan is and how you can use it to your advantage, you are literally losing money ... mortgage, check your personal credit report to ensure that your credit score has improved. Lenders ... loans.The other type is a “home equity line of credit” or HELOC. The main difference between the two [more...]

Date: 2009-01-14 10:43:37

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

Paycards

For employees not wishing to receive a check (because of problems of encashment or security), several banks offer payroll ATM cards ... about the mechanics of the program. Companies can require direct deposit as a condition of employment ... s free checking, discounted mortgage or home loans, free credit card programs, or other promotions [more...]

Date: 2008-12-30 07:29:01

Money for nothin’, chicks for free?

Ahhh, January. Playoffs and payoffs. The henhouse gets a little crowded when more than a few of the credit chickens come home to roost ... the check as income, even though it was…last year. That’s what debts are like. Like the credit card bill ... s like for people who buy everything with credit cards, don’t pay them off, and end up just making minimal [more...]

Date: 2009-01-15 15:34:08

Buying A House? Check Your Credit History Now

A lot of my friends are thinking about buying, or have already bought, a home this summer ... each year, which means there’s a uncomfortable chance your credit report will have something wrong ... your claim. Check your credit history for free at the government mandated AnnualCreditReport website [more...]

Date: 2008-06-06 17:53:23

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

Many Realtors Miss The Days Of The Housing Bubble

The Warwick Beacon reports from Rhode Island. “With statewide home sales down by 5 percent from last year and the median single-family home price ... re looking for has decreased.” “The old ways of no credit check loans have given way to solid ... in here and say, ‘oh my credit is good, but when I check it, it’s far from good.’ And these people [more...]

Date: 2008-09-03 14:28:17

Qualifying for an FHA Home Loan

If you’re in the market for a home or looking to refinance, you might want to check into an FHA home loan ... of you’ve maintained good credit in the mean time. It’s also easier to use gifts to cover ... loan limits in your area, check out this calculator [more...]

Date: 2008-08-13 13:29:02

Credit Repair Secrets

Millions of Americans who lost their homes in the foreclosure crisis are now in dire need of credit repair ... to do so. Your first port of call is to check your free credit score with Experian, TransUnion and Equifax ... . Bankruptcy can cause a low credit score by shedding 300 or more points off; not to mention [more...]

Date: 2008-12-28 18:57:05

Property Mangement Companies - What to look for

We haven’t fully given up selling our house, but we’ve entered into a contract with a property management company ... of your for rent home Tenant screening, including background and credit checks Rental contract [more...]

Date: 2009-01-14 12:02:41

Mort Zachter: A Fruit-Cake Box Resolution

I'm going to let you in on a dirty little journalism secret. Sometimes, we overcompensate ... Prize for Creative Nonfiction. So if you haven't had a chance to check out his story, I suggest ... , and because of credit cards and home equity loans, they end up spending way more than they should [more...]

Date: 2009-01-09 14:07:52

GA Real Estate Search ----- (9/8/2008) thru (12/16/2008)

homes forlease in albany ga tennessee cabins owner financing cherokee countygeorgia tax forclosed properties subdivision hall county ga. bank owed houses in alpharetta.com lease griffin ga land for sale blairsville county ga www ... gainesville rentas de warehouse en nj u.s.a homes for rent with no credit check in gwinnett county [more...]

Date: 2008-12-17 20:48:32

The Ultimate Pandemic: Identity Theft

If you’ve ever been a victim of identity theft, you know first hand the stress and problems it can cause ... only and not online. 4.  When paying bills with a check, especially credit cards, write ... . 6.  Make photocopies of your license and credit cards.  Keep your social security card at home.  Also [more...]

Date: 2009-01-15 15:24:48

How to Avoid the 7 most Critical Home Buying Mistakes

by Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-17 20:27:03

From Renter to Home Owner

If you are considering purchasing a home in Huntsville Alabama, ... you hundreds of dollars a month and thousands over time. Check your credit reports to make sure ... you are ready for home ownership. First, you need to think about your employment situation [more...]

Date: 2008-11-11 15:40:32

The Best Airline Rewards Credit Cards

It’s our last week of vacation and we’ll be heading home this weekend ... updated so you can bookmark it and check back in the future. Airline Rewards Credit Cards Gold ... credit cards! I’m a big fan of frequent flier miles. We used miles for our honeymoon to Hawaii [more...]

Date: 2008-07-18 13:29:37

How to Prepare for Buying a Home

This is a guest post from Jim, my friend and colleague at Blueprint for Financial Prosperity ... t change your job. This won’t necessarily affect your credit score (some banks will do a hard credit check, which negatively affects your score) but it will give the lender headaches when they try [more...]

Date: 2008-09-03 12:00:29

We Need Our Money, Sears!

We ordered a refridgerator from Sears before we moved in to our new home ... and ordered a second fridge. Sears will NOT credit a debit card back automatically, they send checks ... in two days. It has now been over a week. We have taken our complaint to the better business bureau [more...]

Date: 2009-01-14 17:00:00

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

21 ways to save on groceries

Welcome Denver Post readers! If you like what you read, please subscribe for a regular dose of Cheap Like Me. We all know the bad news: Food prices have been going up as employment, home values and credit ... , you can receive extra coupons in the mail that make a big difference.3.    Check prices [more...]

Date: 2009-01-14 10:06:17

7 Critical Home Buying Mistakes to Avoid

by Rob Kosberg 1. They Do not have their Credit checked early ... like. It is extremely important to have a lender run a tri-merge credit report. A tri-merge is a report ... of the three. You would be surprised what is and what isn?t on your credit report. It?s important [more...]

Date: 2008-07-17 16:41:38

Running a Criminal Background Check is Amazingly Simple

by Glen Pearson Are you curious about someone’s past? ... it is easy to find the information you seek, right from the privacy of your own home. There could ... include credit history, any criminal history, previous addresses and more. Naturally, there is a cost [more...]

Date: 2009-01-06 09:54:26

My 2008 Annual Spending

Here's my attempt at figuring out where all my money went this past year:2008 IncomeNet income from day job: $37,976.50 (gross income was $70,974 ... : $721.95Money transferred from savings: $10,376.25Amtrak refund: $160Random check from storage place ... Sports Club: $896.40 (1.3%)Home Equity loan: $1,266.36 (1.8%)DH's credit card: $2,026 (3%)Savings [more...]

Date: 2008-12-31 14:53:00

Buying A Home After Filing Bankruptcy

Buying a house after filing bankruptcy is a real possibility after a year ... be good enough to qualify for a conventional loan. It is also a good idea to check your credit report before applying for a mortgage. You can get an annual free report from any of the three reporting [more...]

Date: 2008-11-23 21:15:25

Obama Taking a Page from Gohmert?

President-elect Barack Obama is calling for tax cuts to be a large portion of an economic stimulus plan ... -withholding rules, rather than through a rebate check as with the previous stimulus plan enacted last year, so that workers would see an immediate increase in their take-home pay. The $500 tax credit [more...]

Date: 2009-01-05 17:00:21

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

Getting Your Finances In Check For a Coconut Creek Home Purchase - Part I

jority of people, buying a home is no easy feat especially when it comes to finances ... for a mortgage at all. Review your report with all three major credit bureaus, Experian, Equifax ... you took a look at your credit report? If you haven't reviewed it recently, now is the time [more...]

Date: 2008-12-22 20:42:59

The Business of Scams - Resources

The $50 million ponzi scheme of Bernard Madoff is just the latest financial scam that has cheated those investors who would look for high returns ... are: 1. Check scams 2. Advance fee lenders 3. Mortgage Foreclosure Rescue scams 4. Illegitimate credit repair & debt negotiation services 5. Work at home and fraudulent employment opportunities [more...]

Date: 2009-01-09 17:37:36

Things I Learned When I Refinanced My Home

Some days I feel like a home refinancing expert. I’ve refinanced my home twice in the last three years to take advantage of attractive interest ... , I called my local banks, credit unions, and savings and loan companies. I also checked interest rates on the Internet. One year later, while checking on the Internet I found a rate of 4.375 percent [more...]

Date: 2009-01-15 01:31:07

“Living beneath your means”

While most of America was busy trading home equity for a TV, RV, and SUV, I was busy renting apartments and driving an economy car ... times or bad. If you can’t stop using your credit card, get rid of it. An easy check to see [more...]

Date: 2009-01-06 15:36:19

Assessing Your Debt Situation (5)

mprove your gas mileage by tuning up your car, checking the air in the tires and driving less—carpool, work at home (telecommute) ... be a last resort. Always look to raise money from nonretirement resources first. Taken From : Credit Repair by Attorneys Robin Leonard and Deanne Loonin [more...]

Date: 2009-01-17 05:00:12

State investment tax credits

I didn't get to hear Governor Pawlenty's state of the state speech (I might watch it tonight after I get home from a late meeting) ... , and neglected oversight, this truth remains: While government can commission public works, write checks [more...]

Date: 2009-01-15 22:14:10

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

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