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 want to alter this and once again be ... your credit is a work in progress. Contact the credit bureaus in writing with a copy of the report ... Bureaus. There are 3 credit bureaus: Experian, Equifax, and TransUnion. You are entitled to a free [more...]

Date: 2009-01-03 00:20:13

Blog posts (168) | Videos (11)
 

5 Credit Repair misunderstandings

Amazingly, consumers find more than 13 million inaccuracies on their credit reports each year ... : To get an inaccurate item corrected, you have to in person dispute it with the credit bureaus and allow them 30 ... bureaus through their credit report provider. Quotation reports can be updated in as little as two [more...]

Date: 2008-12-12 19:25:14

Credit and Debt Resources [MsMoneyGirl.net Stock Magazine]

T. D. Jakes new book "Before You Do" hints at how soon-to-be couples should sit at the table to analyze each other’s financial situation ... to receive a score and a report from the TransUnion, Experian, and Equifax credit bureaus ... report, Get Your Equifax Credit Report Now! An equifax credit report can be obtained on this link [more...]

Date: 2008-10-15 09:59:37

Basics of Credit Repair

by Rob Kosberg People who know they have “bad” credit and are a big “credit risk” are usually aware that something has to change with the way they ... project. The “credit risk” label is based on your “credit report” and “credit score.” Therefore ... these reports. There are 3 credit bureaus that supply reports: TransUnion, Equifax, and Experian [more...]

Date: 2009-01-03 00:35:39

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

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

The Diamond Ring and A Few Peculiar Exemptions - What Creditors Cannot Seize

A fellow being chased by creditors would be smart to give his fiancee' an expensive engagement ring ... of applicant * Call industry contacts * Check with landlords and credit references * Obtain a Credit Bureau Report * Review Dun & Bradstreet Reports * Study court records for information [more...]

Date: 2009-01-09 16:21:00

Surviving Financial Infidelity: Assessing the Damage

The ugly truth was out in the open. My wife had committed financial infidelity, and it was time to assess the damage. “How much do you owe? ... t any other surprises. We each got our annual free credit report from all three credit bureaus ... on her report. The only hint was that the company in question had made a single credit inquiry [more...]

Date: 2008-11-25 23:13:51

Use TrustedID to Fight Identity Theft

With the incredibly rapid growth of ID theft, there have been several businesses that have been formed with the distinct objective of battling this crime epidemic. These ID theft prevention companies essentially lock down your credit bureau ... supply you with annual credit reports from all three credit bureaus, so that you can check to see [more...]

Date: 2009-01-08 04:06:14

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

BehindTheMedspeak: Healthcare credit score — just another name for wallet biopsy

Certainly it's more politically correct but they're exactly the same thing ... from both the uninsured and underinsured. Equifax Inc. and TransUnion LLC, credit-reporting bureaus ... data collected by credit bureaus to help hospitals determine whether patients registering [more...]

Date: 2008-12-10 17:01:16

Your Credit Report Still Matters

It may seem that all conventional wisdom and rules we lived by have gone out the window in the face of this chaotic economy ... report from each of the three credit bureaus – Experian, Equifax, and TransUnion – once within every ... report our credit score – a number that is reflective of our ability to make on-time payments [more...]

Date: 2008-11-20 16:13:48

why should i repair my credit

FAQs On credit Part 1 Nowadays, with identity theft rampant and po ibility of data entry errors it’s a high probability that your credit report contai entries that do not belong to you. Incorrect items on your credit report will negatively ... is calculated by the three major credit reporting bureaus (Tra Union, Experian and Equifax [more...]

Date: 2008-10-20 20:39:39

Economic and Investing Forecast for 2009: 10 Charts Showing no Economic Rebound in 2009.

Today the ADP National Employment Report stated that private sector jobs fell by a much larger than expected 693,000 in December.  This report stunned on the downside and is a prelude to the Bureau of Labor and Statistics report which comes out on Friday.  The market also suffered its worst one day since early December.  We’ [more...]

Date: 2009-01-08 08:01:43

Bubble Economics: Did we Learn our Lesson?

Have we really learned our lesson? We must open by addressing the fact that we support all methods and creative fiscal devices promulgated to ... and is currently deteriorating towards the point of hopelessness. December’s job report, released by the Bureau ... of miserable forecasts and wretched housing bust – credit crisis - bear market headlines. All [more...]

Date: 2009-01-12 20:27:00

Questions About Collections? Ask Melissa

Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way.  Consumer debt is not transferable ... the payment.  The agency will report to the credit bureaus that the account is paid, if applicable [more...]

Date: 2009-01-14 13:00:17

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

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 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

Increase Your Credit Score - Use It or Lose It!

In case you did not know, I am a huge Dave Ramsey fan. This guy simply understands what it takes to truly become debt free ... learned a lot. During one of his lecture, he mentioned the fact that since he does not use credit ... not qualify for financing. I understand how the credit reporting bureaus calculate your credit [more...]

Date: 2009-01-02 21:44:16

Bailout interim boost. What do YOU think?

Get out of your feed reader and comment on this post- we PROMISE that the ShamWow guy won\'t pop out when you do... ... reporting to the credit bureaus? Say they could make it retroactive that anyone that’ ... on their credit. Think how many people would miraculously become “credit worthy” again. After [more...]

Date: 2008-11-26 07:06:54

Free Webinar on New FTC Guidelines for Background Checks

The new FTC Identity Theft “Red Flags” guidelines take affect on November 1, 2008.  Are you aware of your obligations under these new provisions? ... of consumer reports must implement procedures to deal with any notices of address discrepancies they receive from a nationwide consumer reporting agency (mainly credit bureaus such as Experian, Equifax [more...]

Date: 2008-10-15 19:09:58

Jack And Gilles

Blow up the Hill... The New Democrats and Bloc Quebecois had a secret plan to form a coalition party well before the opposition's uproar over the ... Leader Gilles Duceppe for a "considerable period of time," reported CTV's Ottawa Bureau Chief Robert ... by a Conservative member. According to the audio tape, Layton appears to take credit [more...]

Date: 2008-11-30 19:53:22

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

Roulette

Roulette Save up to 50% on Roulette. Search over 15,000 sites with one click. Your source for everything under the sun! http://FindStuff.com 100% Free Credit Report Get Your Free Credit Report from the 3 Major Bureaus delivered instantly www.Banks.com Play 100s of casino games online at BetUS Casino . [more...]

Date: 2009-09-28 19:56:54

Weekend Links Roundup

Be Careful Which Gift Cards You Buy! I have a $40 Sharper Image gift card. Sharper Image is closing down all stores ... or worth keeping, like bonds certificates. Get an Absolutely Free Copy of Your Credit Report from All 3 Credit Bureaus at annualcreditreport.com RC presents the way to get 3 free credit reports [more...]

Date: 2008-12-22 13:00:58

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

Market Update 01/19/2009

Market Comment Mortgage bond prices fell last week pushing rates higher despite continued signs of economic weakness ... the credit crisis. Consumer sentiment came in surprisingly better than expected despite headlines ... indicator of the state of our economy. This report, provided by the Bureau of the Census, takes [more...]

Date: 2009-01-16 21:27:51

FTC Delay Does Not Apply to Employers

Yesterday, the FTC announced a 6 month delay in enforcing their “Red Flags” Identity Theft Guidelines ... ve been in touch with the FTC and we now know that this delay only pertains to Financial ... from National Consumer Reporting Agencies (primarily credit bureaus) when conducting background checks [more...]

Date: 2008-10-23 16:11:42

7 Reasons to Use a Mortgage Broker

The House Team Of Mortgage Intellingence asked: For many people, mortgage payments are their single largest expense ... rate guarantee. Preserved credit rating When you shop for a mortgage, there is an accumulation of lender inquiries on your credit bureau report, possibly affecting your credit rating and, ultimately [more...]

Date: 2008-10-30 10:55:19

You should always know…

…what your credit looks like at TransUnion, Equifax and Experian. This is due to the fact that certain creditors may only report to one or two of the bureaus. When you get a copy of your credit report, make sure you get a tri-merge report that lists all three [more...]

Date: 2008-09-06 22:11:54

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]

Date: 2009-01-15 03:41:35

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

Introduction (6)

Creditors like to see evidence of stability, so if any of the following information is not in your report, ... . Again, the credit bureau doesn’t have to add these, but often it will. (See Chapter 4, Sections F and G, for more information on adding positive data to your credit report.) I’ve been told [more...]

Date: 2009-01-12 04:41:40

How and When to Cancel a Credit Card

Update: After feedback from readers, I’ve made some clarifications to this post ... and other agencies report your habits to credit bureaus, organizations that collect this information ... . My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card [more...]

Date: 2008-09-16 12:00:22

BLS BS Exposed: Commercial Bankruptcies Soar

The McClatchy Washington Bureau is reporting Commercial bankruptcies soar, reflecting widening economic woes ... , tighter credit and a reticence among consumers to part with discretionary income. From April ... in California, which logged 3,141 bankruptcies in the second quarter. Texas fielded the next highest number [more...]

Date: 2008-07-20 20:10:33

Update on Fraud

Last month/year I reported on a fraudulent scheme to separate $0.25 from me. Today I got a link to a news item about said fraud. News is slow here ... I closed it, got my money back too, and reported it to the three credit bureaus, stuff to do first ... . But they have two very useful links. Instead, file a dispute with your credit card company [more...]

Date: 2009-01-14 17:49:24

BOSSES RUNNING AWAY IN CHINA

Cao Jun of The Times’ Shanghai Bureau contributed to this report ... of his industrial gas business. Tao owed him $850,000, Mao said, about 60% of his annual revenue. “We cannot pay ... and environmental requirements. When the credit crunch took hold — prompting Western businesses to slash [more...]

Date: 2008-12-18 02:55:20

TrustedID Gives Affordable Identity Theft Prevention Protection

Because of the rapid growing crime of identity theft, several companies have been created to help you fight back. By essentially locking down your credit bureau report, these identity theft protection companies cause financial institutions to contact you before opening up new accounts in your name. They also [more...]

Date: 2009-01-14 19:07:02

The Best ID Theft Prevention For You

The crime of identity theft is a huge and rapidly growing issue ... to do so. You need to make a regular habit of checking your credit bureau report to ensure that there has not been any credit opened in your name without your authorization. If you know what should [more...]

Date: 2009-01-08 17:26:11

A Review of Identity Theft Insurance

Jenny DeRaspe-Bolles asked: Because identity theft is both lucrative and easy to get away with, ... . 2- orders your credit report from all three bureaus, which is automatically delivered to you every ... at all three credit bureaus and essentially makes these alerts permanent. What is a fraud alert? In 2003 [more...]

Date: 2008-11-27 10:00:10

Waiting For the Recession Call

The government’s report on third-quarter economic output should be enough to pinpoint the start of the current recession to sometime in the summer of 2008 at the latest. But the relatively small size of the reported decline — an annualized 0.3 ... Bureau of Economic Research’s Business Cycle Dating Committee, hasn’t weighed in formally yet [more...]

Date: 2008-10-30 14:56:58

What To Do When Your Credit Card Company Won’t Cooperate

One of our readers, Renee, had this question: Mr Credit Card, We make our payments monthly and have not skipped any, ... that cost money.) I recommend starting with Experian since it looks like they are doing a “Free credit ... of Your Credit Report From all Three Credit Bureaus.” if you have any questions about this stage [more...]

Date: 2008-10-23 09:45:41

Debt Management

Debt not only causes stress and worry, but it could also harm your credit rating ... this to the credit bureaus. The negative report in turn has a huge impact on your credibility and your credit score. When deciding whether or not to take on new debt it is important to consider [more...]

Date: 2009-01-16 20:45:59

Credit Fraud Protection From LifeLock

Credit Fraud Protection From LifeLock January 15th, 2009 by paule Subscribe To Our Feed Today, ... on your credit bureau report. So if somebody goes to open up a new financial account with your personal ... often trade personal data as a way of making money. By monitoring the usual places were such activities [more...]

Date: 2009-01-15 13:12:48

Free Credit Reports Now Available From the FTC

The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) ... ) or by mail by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 ... report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair [more...]

Date: 2008-11-04 19:30:27

Weekend Roundup- Xmas Edition

It has been a very busy Christmas season for my family and me, with multiple Christmas parties, school and Sunday school programs, ... #183-The Pre-Holiday Sales Edition, and included my article “Get an Absolutely Free Copy of Your Credit Report from All 3 Credit Bureaus at annualcreditreport.com” My favorites from the COPF: 5 Tips [more...]

Date: 2008-12-22 05:12:25

Even Lawyers Have It Bad

Although this New York Times article gives a good overview of how the economic downturn is affecting legal practices, ... in deals that may be bids for stability. Over all, the Bureau of Labor Statistics reported on Friday [more...]

Date: 2008-11-12 06:49:55

Piracy v. Private Equity: A Comparison

While every kind of legal deal making is down this year, one practice is up: Piracy ... Maritime Bureau’s weekly piracy report. (Who knew?) And they’re making good money — better money ... Images In these upside-down days of credit crisis (and in part because they just sound kind [more...]

Date: 2008-11-19 17:56:35

A LifeLock Review: Protect Yourself From Identity Theft

by Harvey Warmuth These days you really need to understand that there is a good possibility that you might be affected by the crime of identity ... alerts are placed on your credit bureau reports, with the main agencies. You are then contacted [more...]

Date: 2009-01-05 19:34:53

1 - 50 of 168 Posts
Page: First | < Preceding | Next >
0 | 1 | 2