2009 looms ahead
Do you still make resolutions? Well here are a few that you might want to think about as 2009 draws closer and a few key dates to make a ... has made it possible for individuals to obtain one free annual credit report from each of the three major ... your rebate check. Review your credit: you are entitled to a free credit report once a year [more...]
Date: 2008-12-26 17:00:32
Blog posts
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Videos
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Beware of “Fishy” Emails…. Protect Yourself Against Identity Theft
By: LINDSEY O’NEILL, ESQ. I get them all the time - those pesky emails that appear to come from my bank, credit card company, ... confidential information so they can run up bills on your credit cards, take out loans, obtain new credit ... fraud alerts on your credit files. Monitor your credit files and account statements closely. • Report [more...]
Date: 2009-01-02 13:42:02
Cashing In On Free Credit Reports
Nothing in life is free… and this especially holds true online ... credit report. You can obtain a copy by visiting (affiliate link) or have it done during tenant ... credit report offer? Simple, you make your prospective tenants get a free credit check before applying [more...]
Date: 2008-12-13 08:02:52
7 Deadly Buyer Mistakes to Avoid
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: 2008-07-16 20:08:42
7 Deadly Buyer Mistakes to Avoid
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: 2008-07-19 10:25:48
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
Free Credit Repot From NEXUS
There are some advantages that can be taken from free credit report, ... prevents you make credit card score fixation. More about this report is required by the lender ... , is used to obtain the mortgage and also ask you to show your credit report when want to load their value [more...]
Date: 2008-10-09 09:28:38
Ten steps to take before buying a home
I found this entry from back in March, 2005. It’s useful information, especially now as we enter the fall market ... more down at losing, depending on the type of mortgage you end up getting.) 5. Get your credit in order. Obtain a copy of your credit report. (Definitely do this - do it online if you want it done, fast [more...]
Date: 2008-08-26 19:00:25
Why Can’t I Get That Low Mortgage Rate Advertised?
There is a perfect storm in the mortgage market right now. Those who do not need credit can obtain it while those that do need credit cannot obtain ... was submitted and the appraisal and credit report came back within two weeks and the loan went [more...]
Date: 2009-01-05 00:51:01
Free Credit Report - A Website Typo Could Be Costly
In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT) ... annualcreditreport.com or which contained the phrase “annual credit report.” Since it is quite easy ... , which made it possible for consumers to obtain a copy of their credit report for free. In fact [more...]
Date: 2008-12-28 05:24:36
September 30th, 2008 - Help Stop Debt Harassment, Learn Your Rights!
Obtaining credit can be fairly simple. If you have a steady job, an acceptable debt-to-income ratio, and no history of serious credit delinquency, you can obtain more credit than you’ll probably ever need. But many in Pennsylvania face the flip ... of Disputed Information on a Credit Report Cost: Single Steps Strategies Members [more...]
Date: 2008-09-29 05:38:41
Was Palin's SSN published on Web?
Part of vice presidential candidate and Alaska Gov ... routinely appear on reports anyone could obtain on their neighbor or their nanny. A report ... after Democratic staffers obtained Republican Senate candidate Michael Steele’s credit report [more...]
Date: 2008-09-05 09:00:00
Post-Holidays Ideal Time to Check for ID Theft
We know, we know: that stack of bills on your kitchen table can’t possibly have a bright side. Right? ... . Request a Credit Report Unless you’re planning on requiring one for another purpose (such as a loan) within the next 12 months, now is also a good time to order a credit report. (You may obtain [more...]
Date: 2009-01-17 00:30:01
Timeline for Negative Credit History
Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious problems you can run into because of having a negative credit history. A person with a negative credit history will have an impaired ability to borrow money, get a good interest rate, and sometimes even get a good job. [more...]
Date: 2009-01-01 08:19:32
Getting Rid Of Bad Credit
By Michael Benifez Today's credit crisis is resulting in a more difficult road for consumers to getting a loan and obtaining good rates ... . 1: Obtain a copy of your credit report. You can't repair something you don't know is broken. Once ... . If your credit rating is less than stellar, you can pretty much guarantee you're not going to get the best [more...]
Date: 2009-01-03 08:21:18
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
Simple & Effective Methods Of Identity Theft Protection
by Paul Wilcox You wouldnt go driving down the highway during rush hour with a blindfold on, would you? Hopefully not ( ... theft for free and by using your common sense. Obtain You Credit Report One of the best things you can do to protect yourself from identity theft is get an annual credit report. You are allowed [more...]
Date: 2008-11-15 20:47:03
Debt consolidation v IVA?
Why do people consolidate their debts or enter into IVAs (Individual Voluntary Arrangements)? ... ’s credit rating, and probably make credit harder to obtain and more expensive. It’ll stay on their credit report for six years, although this won’t really be an issue for the first five of those [more...]
Date: 2009-01-08 18:23:38
Payday Loan Up To 1000
The funds may be obtained despite a problematic credit report. You will be submitting name address, phone numbers, bank account ... % of the loan applicants are qualified enough to obtain finance in this field, as you will be giving ... crunch anymore. Bad credit cash advances that are required to pledge any security which drastically [more...]
Date: 2009-01-16 19:31:55
Moving Forward: Debt Consolidation
Moving Forward: Debt ConsolidationMany Americans are feeling the pinch of the tumultuous economic times that we now find ourselves embroiled in ... not be allowed to damage your credit report and your ability to obtain a home loan. It is easy ... of homeownership, there are alternatives. Credit card debt that often accumulates during difficult financial [more...]
Date: 2009-01-08 22:38:03
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
Protecting Yourself from Identity Theft
Are you being paranoid? Some people consider being paranoid is normal if they deal with anything that involves the share of ... to obtain credit. All causing reputation damage, and most cause financial problems for the victims ... your identity is linked to your credit report - when identity thieves apply for a credit (and of course [more...]
Date: 2008-10-30 03:47:28
Find Out More About Business Loans
If you try to get a business loan during a time in which the economy and market isn’t as steady as it was a few years ago, ... of your personal tax returns, pay stubs and have a credit report pulled. ... to obtain a new business loan without showing anyone a business plan, you are either lucky [more...]
Date: 2008-12-31 07:32:09
Explore criminals
There is an interesting site called www.SentryLink.com where you can find the records of dangerous criminals and order a Criminal Background Check ... a criminal Background Check for employment purposes, the Fair Credit Reporting Act requires you to obtain ... background check is a comprehensive Criminal Check showing felonies, misdemeanors, sex offenses [more...]
Date: 2008-12-11 13:18:40
Maybe Someday We Can Be Like That
Wow. Europeans actually have elected officials who look out for their privacy interests! ... allowing law enforcement and security agencies to obtain private information — like credit card ... Ocean. The potential agreement, as outlined in an internal report obtained by The New York Times [more...]
Date: 2008-06-28 10:59:03
Time to Check Your Credit Reports
Happy New Year! As we start 2009, many people are making resolutions, wanting to do things better and differently than they did in the past ... to do. To get a copy of your credit report from one, two or all three of the credit bureaus ... on credit monitoring. If you want to know your current FICO scores, you can obtain all three [more...]
Date: 2009-01-03 17:05:27
Free FICO Score At Equifax (No Strings)
Written on 10/02/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... . As you may know, Equifax is one of the 3-primary credit bureaus in the US and its score is used heavily ... (as promotions do), you can also obtain a free credit report at annualcreditreport.com. While it won't give [more...]
Date: 2008-10-02 12:12:54
Sound Advice from a fellow EBA: How to Get The Best Deal in a Buyers Market
I came across a blog post today written by an EBA peer in Nashville entitled "Buying Real Estate - How to Get The Best Deal in a Buyers Market ... is in your plans...be sure to arrange for it ahead of time. Be sure to obtain a copy of your credit report and correct any mistakes...NOW! If you plan to live in the home as your primary residence [more...]
Date: 2009-01-07 22:25:00
Taking Home Mortgage Loans
by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... and loan amount. The lender will then base loan approval solely on credit scores. In order to obtain ... with little or no documentation but just by looking at a very good credit report, they reason [more...]
Date: 2009-01-02 16:59:45
Don’t Be Tempted by File Segregation Schemes
Sometimes, credit problems can seem insurmountable ... . Clinics who claim to be able to create a brand new credit identity and a brand new credit report ... and it is not just the credit repair clinic that is breaking the law. It is also illegal for you to obtain an EIN under false [more...]
Date: 2008-11-26 22:56:29
How Does Bankruptcy Affect Your Credit Score?
For many consumers facing high levels of debt, bankruptcy may seem like the only available option ... clients will see this blemish on their credit report for up to seven years, but the implications don’ ... , as it can be hard to obtain credit, even with a clean slate. After the bankruptcy declaration [more...]
Date: 2009-01-08 02:16:12
Home Mortgage Loans Tips
by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... . But in order to obtain this loan, you must have a good credit report. Unfortunately, not all lenders ... to present the mortgage company. But there are also ways for you to obtain a loan with minimal documents [more...]
Date: 2009-01-02 16:49:29
Taking Home Mortgage Loans
by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... loan approval solely on credit scores. In order to obtain a no doc loan, you must have a very high ... at a very good credit report, they reason that an applicant wouldn’t just do anything bad to tarnish [more...]
Date: 2008-12-31 15:42:48
The truth about collection accounts.
by JR Rooney The debt collection industry is a billion dollar industry. According to Rapid Recovery Solution, Inc ... the account or legal action is taken against you. Collection agencies obtain the following information to develop a strategy to collect money owed: name, address, credit report, credit application [more...]
Date: 2008-12-17 08:13:34
Voodoo Correlations in Social Neuroscience
The end of 2008 brought us the tabloid headline, Scan Scandal Hits Social Neuroscience ... to obtain their results.Edward Vul, the first author, deserves a tremendous amount of credit (and a round ... took place, and later obtained a self-report measure of how much distress the subject had experienced [more...]
Date: 2009-01-05 13:30:00
My financial resolutions for 2009, #5 in a series
Editor’s note: We asked our resident money experts to share their financial resolutions for the year ahead. Here, the fifth in our series: I’ve resolved to obtain and examine a free copy of my credit report as often as I can. Federal law gives everyone the right to a copy of their report from each [more...]
Date: 2009-01-09 01:10:49
The Identity Theft Epidemic : What The Experts Aren’t Telling You
Picture yourself walking down the street, all alone. It’s late at night ... , when they could simply use a person’s information to obtain employment, credit cards, and lines of credit ... for several years, and there has been a large public awareness campaign since the FTC Report in September [more...]
Date: 2008-10-18 07:42:48
MVP Paul Pierce
So, basically Paul Pierce denied any relationship he had with Vaso Shinas, and said he had no idea how she was able to obtain his credit card number. This was humorous to me because it was discovered Vaso Shinas was using his credit card in Lavern ... a police report when this first happened?) Then Detective Salb discovered a charge on Paul Pierce’ [more...]
Date: 2008-06-19 16:21:05
It’s unanimous, Web application security has arrived
It’s unanimous. Web application security is the #1 avenue of attack according to basically every industry data security report available ( ... credit card transactions.5. They install backdoors that "beacon" periodically to their command ... , Hardware Security Modules (HSMs), and processing applications in an effort to obtain credit card [more...]
Date: 2008-12-26 20:00:00
Why Buyers Should Adopt the Scout Motto
Be Prepared! Buyers, especially first time home buyers, need to adopt the scout’s motto ... a full credit report and did not send your file to their underwriter for approval. If you are really ... . Follow their advice. Many of today’s buyers need to clean up their credit scores in order to obtain [more...]
Date: 2008-07-02 17:47:16
LifeLock CEO Hacked?
LifeLock CEO Hacked? June 25, 2008 – 3:08 pm Let me first start this post off by saying this - LifeLock Works! ... loan did not even try to verify the true identity of the thief. No credit report was pulled ... Yes, someone was able to obtain a $500 payday loan using Todd Davis’s SSN. However, the check [more...]
Date: 2008-06-25 20:08:42
Chrysler LLC To Idle Plants For A Month
The credit crisis continues to adversely affect the North American market, with reports that new car buyers are continuing to find it difficult to obtain credit to finance their new car purchases. As... Click through to The Motor Report for the full article. [more...]
Date: 2008-12-18 10:01:47
Obtain Helpful Recommendations About Orlando Realtor
Part I Step 1: Spiff up your credit Good credit can lower your mortgage interest rates, potentially saving you hundreds of dollar a month ... . Order a credit report (usually free online). You can dispute any mistakes, but the most important thing is to build up good credit from here out. Lenders want clients who can pay bills on ... [more...]
Date: 2008-12-31 00:00:10
Fed Watch: More Easing Expected
Today, the Fed lowered the target interest rate to 1%. Will the Fed lower the target rate even further if things don't improve? ... of households and businesses to obtain credit. Any other assessment would have been surprising ... s durable goods report is no exception, with nondefense, nonair capital goods declining 1.4 [more...]
Date: 2008-10-30 06:21:53
Malaysian pair admit NZ credit card fraud spree
A retired Malaysian police officer and his wife, both residents of Singapore, are being held in custody for sentence after admitting 63 charges of credit card fraud in New ... -sentence reports, and the police asked for time to obtain victim impact statements from retailers [more...]
Date: 2008-11-20 10:32:55
Mysterious credit card charge may have hit millions of users
Source: Boston Globe - Several Internet complaint boards are filled with comments from credit card customers from coast to coast who have noticed a ... out whether an illegally obtained credit card number will work before making a bigger charge, or they’re ... at the moment. The Better Business Bureau in Louisville reports that, at least so far, those [more...]
Date: 2009-01-09 03:56:32
How To Package A Commercial Loan
Commercial loans are a different beast than typical residential transactions ... will work. You will also need the customary paperwork for a loan, 1003, credit, preliminary title report ... . As such, they require a different presentation and package when looking to obtain a commercial [more...]
Date: 2008-11-15 15:27:07
ChryCo CEO Denies No Free Credit (Report Dot Com Baby)
In an email to the troops , Chrysler CEO Bob Nardelli's denying The Wall Street Journal report that ChryCo's re-fi of $30b of short-term, car-loan-backed debt may not go down. If that happens– I mean, doesn't happen– Chrysler [more...]
Date: 2008-07-22 16:36:40
Millions Affected by Small Fraudulent Charges Nationwide
Internet complaint boards have been busy and credit card fraud departments are scratching their heads ... is trying to find out whether an illegally obtained credit card number will work before making a bigger charge, or they’re trying to rip off tiny amounts from tons of people.” So far, most reports [more...]
Date: 2009-01-13 18:00:58
Heir Advance
Heir advance is a term used to describe a cash advance using inheritance assets as collateral ... . The majority of heir advance funding sources require a current credit report for the individual seeking ... is appointed to oversee the estate and perform certain duties. In cases where heirs elect to obtain [more...]
Date: 2009-01-08 00:02:47
