Credit Scoring Is About To Change But How And When?
In a nice change of pace, all three credit reporting agencies, Experian, ... the AdvantageScore its own way and will set its own price. However, you will still be able to get one free credit ... Equifax and TransUnion have joined together in developing a new way to score your credit [more...]
Date: 2009-01-15 05:10:40
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ChexSystems: A Fast Route To Trouble
ChexSystems: A Fast Route To Trouble Not everyone has heard about ChexSystems and, ... , that can be a problem. ChexSystems is a consumer reporting agency, just like Experian, Equifax and TransUnion. Those three are better known, because they report on your credit history and score [more...]
Date: 2008-10-30 15:39:49
Is Securitization Coming Back?
In a nutshell, yes, but not in the way the industry hopes. In a Financial Times article. Gillian Tett files a somewhat dumbfounded report from the European Securitization Forum in Cannes ... depends on credit enhancement. That can be accomplished three ways: overcollateralization, credit [more...]
Date: 2008-06-06 06:06:29
Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan
Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... (unless creditors report incorrectly). By filing simple dispute letters with the three credit bureaus ... a bankruptcy. How is that possible? An example of this is Dave Olson (a fictional character). He [more...]
Date: 2009-01-15 00:11:26
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
The Law of Money
The Law of Money Posted by DJ Drummond Published: December 22, 2008 - 1: ... cash into Chrysler but chose not to, and GM, which annual reports for the last three years' running ... ; 2. A credit crisis in the banks, as banks are risk-averse to the point that they are making fewer [more...]
Date: 2008-12-22 18:53:56
Sandisk Clip 1GB MP3 Player - $9.99
Hello and welcome to Village Towne Landing, the tri-county area’s premier apartment community for young professional singles! ... a criminal background check, credit history report, Homeland Security background check, drug screening, employment verification, and college transcript report. IDs should be issued within three weeks [more...]
Date: 2009-01-14 06:00:45
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
IATSE's Tom Short redraws illustrators and designers
The long arm of Tom Short continues to reach its way across the International Alliance of Theatrical Stage Employees, ... run deep between illustrators and set designers, and the art directors to whom they report. All three ... , illustrators have complained about art directors taking credit for their work and hiring non-union [more...]
Date: 2008-10-04 02:21:51
Three Steps to Landing the Perfect Apartment [Apartments]
If you're convinced that renting makes more sense than buying, ... . In most cases the landlord may still run their own credit report and require you to fill ... . The key to their plan: preparedness. The post suggests bringing a printed-out credit report [more...]
Date: 2008-09-30 16:00:00
2008 Top Financial Web Sites
Kiplinger recently released their top picks for 2008 best investing and financial services web sites ... will cost you $159 per year for a premium membership. Credit reports: AnnualCreditReport.com. Forget copycat sites. This is the official Web site where you can get a free report from each of the three [more...]
Date: 2008-12-03 01:50:29
2008 Top Financial Web Sites
Kiplinger recently released their top picks for 2008 best investing and financial services web sites ... will cost you $159 per year for a premium membership. Credit reports: AnnualCreditReport.com. Forget copycat sites. This is the official Web site where you can get a free report from each of the three [more...]
Date: 2008-12-03 01:50:29
Could It Be ….. Recovery? If So, Hurry Up Already
I’m starting to like this 78-day presidential transition period more and more. That’s because in another 30 days or so, the economy might ( ... to be a flock of refi applications. At a minimum, most of these will lower monthly payments and free ... freeze” on credit to worthy borrowers has struck me as absurd for the three months. The reported [more...]
Date: 2008-12-18 17:29:55
Four at Four: Half Empty?
Annelena Lobb reports: All three major stock indexes fell Wednesday, though not as badly as they did Tuesday. Stocks declined on fear of more credit-related problems emerging, a rally in crude-oil prices ... , after a inventory report showed a draw in gasoline stocks more than three times as large [more...]
Date: 2008-08-13 11:32:00
Today’s best mortgages: How to Qualify
by Mortgage Wizard Equity With the majority of the country in a declining real estate market the amount of equity you have in your home plays a ... on your credit report such as cell phone, gas, and groceries. Assets A borrower’s liquid assets ... . They look at the three major bureaus (Experian, Equifax, and Transunion). Some creditors only report [more...]
Date: 2009-01-02 21:56:12
Obama Takes Early Lead in Early Voting
Announcing a presidential poll that actually matters! Unlike hypothetical polling — Who might you vote for in three months? ... early voting in key states like Nevada. (Credit: Obama Flickr) Pew reports today that among people ... saying they back Obama. When the sample is narrowed to those most likely to vote, Obama leads by 53 [more...]
Date: 2008-10-28 19:55:43
Closing Comments January14 2008
Prices of Treasury coupon securities catapulted higher today as the very weak retail sales report as well as a renewal of credit concerns sparked a ... nd extend just three months into the robust 11 ¼ 2/15/15 and pick up 58 basis points. If one travels out [more...]
Date: 2009-01-14 21:04:08
Widespread Mortgage Refinance (Good Credit Doesn’t Pay)
Mine won’t be one of the three million mortgages expected to get a new deal via The Bailout ... , to have the right numbers on our credit report. AND a month later when every headline ... , and took the best mortgage deal we could get. Who Wouldn’t Take an Adjustable Rate Mortgage? Because [more...]
Date: 2008-10-30 13:35:53
Old Debts Under $100 Don't Matter Under FICO '08 [Fico]
An update to how the new FICO '08 scoring system got revamped this year: Collection ammounts where the original debt was under $100 will be totally disregarded, MarketWatch reports . Back in Feb we reported that they would still be taken into account but only matter less. Also, FICO'08 has been rolled out to all three credit bureaus since last month. Before it was only being tested at one and there was some disagreement over whether all the bureaus would accept it. [more...]
Date: 2009-09-24 17:00:00
Deciding You Don't Want A Particular Mortgage Loan
I have questions to ask you about the loan for house ... three days of the date she ran your credit report, not to mention the Truth In Lending Advisory [more...]
Date: 2009-01-06 14:49:52
Three From Atlantic Yards Report
Atlantic Yards Report With $5B in NYC development on hold or dead, could union accord with contractors jump-start projects? ... -commercial banker: Don't bail out America's "credit-drunk" commercial landlords and real-estate bankers [more...]
Date: 2008-12-27 14:53:11
Who’s At Fault for Economic Crisis - Everyone: Tom Friedman
I would encourage everyone to read Thomas Friedman’s column in the New York Times today. Along those same lines check out PBS’ Now and their report on the credit rating agencies and their role in the financial crisis. The first three grafs: I spent Sunday afternoon brooding over [more...]
Date: 2008-11-26 14:57:32
Roche Cutting Hundreds of Manufacturing Jobs
We hate to bring out the layoff ax again so soon, but the legions working for drug companies seem to be shrinking by the day ... jobs, the WSJ reports. The cuts will take place over the next two to three years, and come on top ... credit crunch and questions about price. Speaking of cuts, Hunziker said the majority of cost savings [more...]
Date: 2009-01-16 13:30:42
U.S. Banks Refuse to Detail How They’re Spending Federal Bailout Money
After receiving hundreds of billions of dollars in taxpayer-funded federal bailout money, the biggest U.S ... up right now, and we’ll send you an important new report for free: “The Three Best Investments in Asia ... . Some of those buyouts deals are being done in markets as far away as China. Meanwhile, credit remains tight [more...]
Date: 2009-01-06 15:56:33
Afternoon Reading: An Auto Bailout and CEO Commuters
Give Detroit’s Big Three credit, they at least learned from one past mistake ... U.S. News & World Report. But there might be another reason for the secrecy: “The only hybrid vehicles [more...]
Date: 2008-12-02 09:46:00
Bottoming Signs
Bottoming Signs Here and there are some small signs that the economy is at least bottoming — a crucial stepping ... continues to expand its balance sheet.Additionally, the credit freeze continues to thaw. The three-month ... stone to meaningful recovery.For example, the ISM non-manufacturing services report released today [more...]
Date: 2009-01-07 23:49:00
Why the $700 Billion Bailout Bill Will Fail US Taxpayers
My sister lives in a landmark building in Coral Gables, Fla. There was a fire in one apartment in the building ... you an important new report for free: “The Three Best Investments in Asia.” ... was that the banks would get the money, which they could then turn around and lend to keep the credit [more...]
Date: 2008-12-15 14:51:15
Second, and Possibly Third, Stimulus on the Way as Unemployment Poses Next Major Hurdle for the Economy
With gross domestic product plummeting and the jobless rate at a 14-year high, U.S ... have been reluctant to admit that this cycle, unlike 1998’s credit crisis, is imbedded in the real economy ... send you an important new report for free: “The Three Best Investments in Asia.” [more...]
Date: 2008-11-12 15:23:47
Other districts join Grand Rapids in search for ways to help failing students meet state standards
Comstock Park High school students who find failing grades on their report cards next month will have three weeks to make up the work and gain credit. It is another new approach as local districts [more...]
Date: 2008-12-29 10:40:39
LEED certified buildings on the rise!
Adobe headquarters in San Jose received three platinum LEED ratings Photo credit kqedquest According to the US Green Building Council (USGBC) ... building by the numbers report (.doc warning): By 2009, 82% of corporate America is expected ... $30-$40 billion annually by 2010 With that in mind it was great to see the report that AMD’s Lone [more...]
Date: 2009-01-14 18:16:45
LEED certified buildings on the rise!
Adobe headquarters in San Jose received three platinum LEED ratings Photo credit kqedquest According to the US Green Building Council (USGBC) ... building by the numbers report (.doc warning): By 2009, 82% of corporate America is expected ... $30-$40 billion annually by 2010 With that in mind it was great to see the report that AMD’s Lone [more...]
Date: 2009-01-14 18:16:45
Bank of Canada overnight rate statement
From the BoC Web site: OTTAWA – The Bank of Canada today announced that it is lowering its target for the overnight rate by three-quarters of a ... to encourage credit flows, although it will take some time before conditions in financial markets ... inflation than had been projected at the time of the last Monetary Policy Report in October. Several [more...]
Date: 2008-12-09 14:04:00
What does Paulson want?, the "Cliff Notes"
Reuters published a handy summary of Paulson's bail out proposal along with the counterproposals by Democrats and Republicans : ... but not limited to banks, thrifts, credit unions, broker-dealers and insurance companies. If deemed need(sic ... the secretary's decisions. The secretary would report to Congress within the first three months and then twice [more...]
Date: 2008-09-23 13:17:49
Flextronics Shrs Plunge; Sanmina, Celestica Also Crumble; Report All Three Companies Losing Alcatel Business
If the world is going to cut back buying PCs, cell phones and all other things electronic, ... targets. Credit Suisse’s William Stein lowered his target to $4, from $6, while keeping his Outperform ... billion in revolving credit lines. In an attempt to explain the massive selling in the sock, he says “ [more...]
Date: 2008-11-20 12:12:00
Contrasting recent Oklahoma City and Winnipeg morning radio coverage about education
I had a moment of significant cognitive dissonance this morning driving in to work, listening to the radio. photo credit: rakkasan69 This past Friday morning, for THREE HOURS, I was a minor guest ... them put down with disgust a news report about a school (in the UK, I think) where the school [more...]
Date: 2009-01-07 04:10:21
Bank of Canada drops Interest Rate by .75%
Bank of Canada Cuts Interest Rate The Bank of Canada today announced that it is lowering its target for the overnight rate by three-quarters of a ... to encourage credit flows, although it will take some time before conditions in financial markets ... inflation than had been projected at the time of the last Monetary Policy Report in October. Several [more...]
Date: 2008-12-09 17:19:05
Saturday news briefing 12.6.08
UC Merced medical school faces long odds – Victims of the credit crunch and fiscal crisis, ... of Medicine, too, will face its own form of foreclosure as the state budget crisis worsens fast ... -- A report due in January from three nationally known medical consultants will help determine [more...]
Date: 2008-12-06 17:20:39
Unbylined AP Report: Krugman ‘Opposed Bailout’
Krugman The Associated Press can’t even get it right in a three-paragraph item about a White House ceremonial event ... are the first and third paragraphs from the story (link probably will not work after about a week): Three ... 23, Krugman, to his credit, objected to Paulson’ [more...]
Date: 2008-11-25 18:06:51
Islamic Bonds Issuance Suffered Drop of 56 Percent in 2008, Following Confusion Over Shariah Laws, Impact of Credit Crunch
The value of Sukuk, or islamic fixed-income securities, issued last year tumbled 56 percent last year to $14.9 billion, according to a report by Standard and Poor's. Sukuk have emerged over the past three ... from the fallout in global credit markets, the increase in borrowing costs and the subsequent [more...]
Date: 2009-01-14 17:41:20
Tuesday Morning Dept of Leadership Elections
Here’s your Mike Duncan, Kentucky, attacking George W. Bush over his handling of the Iraq war. Seriously. Video and everything. ... at a Texas strip club. On an airport credit card. Former director Michael Gobb was one of those three ... just teach for a change? H-L Failed to report it? The investigators were made very aware [more...]
Date: 2009-01-06 12:35:54
Global Markets Nosedive as Credit Crisis Washes Over Europe
Major indices around the world plunged yesterday (Monday), as the credit crisis picked up momentum in Europe and markets in Asia began bracing for a deep ... report for free: “The Three Best Investments in Asia.” Indices around [more...]
Date: 2008-10-07 14:45:35
Jonathan Kay on censorship, press councils and hate speech: Three observations on Richard Moon's CHRC report
Lots of knowledgeable people have already weighed in on Richard Moon's report to the Canadian Human Rights Commission on the regulation of hate ... from that marquee conclusion, the report also contains some other interesting nuggets, a few of which I'd like to touch on here: (1) Give Richard Moon credit: He is the first person (to my knowledge [more...]
Date: 2008-11-25 18:16:00
Barack “Obama goes around claiming he’s going to cut the taxes of 95 percent of the public, which is literally impossible” since “40 percent of American taxpayers don’t pay any income tax,”
On Tuesday’s CBS Evening News, Anthony Mason looked at how the Obama and McCain tax plans would impact three Ohio families, ... , replied: “Relief.” Chutzpah because, as Mason only noted later (and deserves credit for doing so unlike ... proceeded to report how the Beachams would benefit more from Obama than McCain since they “would see [more...]
Date: 2008-09-15 12:26:30
Three Legislative Proposals That Could Have Major Consequences for Your Finances
J.D. is on vacation. This guest post comes from DR of The Dough Roller, a money management blog ... in a consumer report or any change in a consumer’s credit score, as the basis for increasing any annual ... on Wall Street and in the credit markets lately, one could easily forget about money-related legislation [more...]
Date: 2008-12-18 13:00:42
Global Investing Roundups Wednesday, November 26th, 2008
Consumer Confidence Climbs; Home Prices Record Plunge; Troubled Banks on the Rise; Oil Falls 7%; Slim’s Bank Buys Citi Stock; D.R ... for” 2009, a Credit Suisse Group AG (CS) report said. Source: Global Investing Roundups Wednesday ... , according to the S&P Case-Shiller Home Price index, which posted a 16.6% drop for the three [more...]
Date: 2008-11-26 13:12:23
Fortune Frowns on Lying CEOs
Fortune Frowns on Lying CEOs Topics: corporations | ethics Source: Fortune, January 6, 2009 ... on pikes," reports Fortune magazine's Roger Parloff. "The question for the courts ... losses" on the company's credit default swaps portfolios less than three months before they posted [more...]
Date: 2009-01-16 03:45:33
McCain Tax Jab Overlooks His Own Proposal
ABC News' Teddy Davis, Rigel Anderson, and Hope Ditto Report: John McCain is stepping up his assault on Barack Obama's tax plan ... the following litany of refundable tax credits favored by Obama: (1) a "make-work-pay" credit of up to $500, (2) a universal mortgage credit of 10% of mortgage interest, (3) three different extensions [more...]
Date: 2008-10-17 02:16:31
Unbylined AP Report: Krugman 'Opposed Bailout'
Krugman The Associated Press can't even get it right in a three-paragraph item about a White House ceremonial event ... are the first and third paragraphs from the story (link probably will not work after about a week): Three ... . On September 23, Krugman, to his credit, objected to Paulson's [more...]
Date: 2008-11-25 18:02:45
2008-09 Quarterly Report - Q1
Believe it or not, we’re already one-quarter of the way through the regular season ... First Quarter Report. (all stats and records through Sun. Dec. 7th) Top Storyline. Nothing could ... . photo credit: Men’s Health The Impact of the Longer Three. To all those coaches who said they didn’ [more...]
Date: 2008-12-08 22:47:38
Audit of California Avocado Commission uncovers at least $1.5 million in questionable spending
During the three-year audit period, 18 employees used commission credit cards to pay for purchases including meals, flowers, luxury spa services and clothes from high-end retailers, the report says. Something has been rotten at the state agency behind a splashy $7-million annual marketing blitz on television [more...]
Date: 2009-01-10 08:00:00
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