Understanding Credit Score Ratings

By William Blake The credit score rating scale is a confusing numeric system to understand ... on your credit report. Also having a lot of outstanding debt with large balances and/or high rates ... That You Need Credit counseling is readily available free of charge to any who desire to better [more...]

Date: 2009-01-05 14:21:43

Blog posts (31) | Videos (21)
 

Credit Services

October 1, 2009 | By Sara Bernard In Finance | by Sara BernardThe recent economic downturn and financial crises have left many people with destroyed credit. Some credit repair companies are making outrageous claims that they can instantly repair credit. You need understand what these credit repair companies intend!If you want to start a credit repair process, the first thing you should do is find your credit report. It is widely available online due to a new law. [more...]

Date: 2009-10-01 21:25:56

How To Repair Your Credit If You File Bankruptcy

Debts are piling up. Bills are coming in. Collections agencies are phoning and sending you certified mail demanding money ... income than your past financial predicament. A bankruptcy will show up on your credit report ... to make sure that the bankruptcy discharge also shows on the credit report so creditors understand [more...]

Date: 2008-10-27 15:03:50

President’s Advisory Council: Tips to Managing Your Money in Challenging Times

AN IMPORTANT MESSAGE FROM THE PRESIDENT’S ADVISORY COUNCIL ON FINANCIAL LITERACY “We believe that the current economic crisis underscores the need ... controlyourcredit.gov. Also, to protect against identity theft, get a free copy of your credit report ... in Challenging Times 1. Understand how your bank or credit union account is insured. The Federal [more...]

Date: 2008-12-16 15:58:07

Dr Boyce Black Money: Credit Bureaus Part 2

Dr. Boyce Watkins www.BoyceWatkins.com As part of our series on understanding credit scores, we can now move into more of the nitty gritty ... way to improve your credit score. How do I correct an error on my credit report? The law protects consumers who feel that their credit report has errors on it. Anything you believe [more...]

Date: 2008-10-13 12:08:05

How To Repair Your Credit If You File Bankruptcy

Debts are piling up. Bills are coming in. Collections agencies are phoning and sending you certified mail demanding money ... income than your past financial troubles. A bankruptcy will show up on your credit report for up to 10 ... sure that the bankruptcy discharge also shows on the credit report so creditors understand [more...]

Date: 2008-10-13 06:23:15

Countrywide Sends Fraud Alert Letters: 'Your Info May Have Been Sold' [Countrywide]

A Countrywide customer emailed to tell us he received a unpleasant surprise in the mail today: ... on to say they will give you 2 years of Triple Advantage credit report monitoring for free ... understand why temporary free credit monitoring is always the go-to remedy every time a company [more...]

Date: 2008-09-09 22:57:49

Does Anyone But Me Control My Credit?

by Jim Bransby A credit score can be critical to your personal finances ... is that there are many actions you can take to limit the damage to your annual credit report ... without success. Still, few people understand credit scores and what goes into them, and still fewer [more...]

Date: 2008-08-22 12:18:43

How’s My Credit? - Tips To Understanding Your Credit Score

by Christine A. Mathews When you apply for credit, one of the first things a lender will check is your credit score ... . The three major credit bureaus (Equifax, Experian, and Trans Union) all have their own way ... your credit report from each one, as sometimes mistakes are made. When that happens, you should [more...]

Date: 2008-12-20 22:07:30

Final Insult: Thieves Steal Deceased’s Identity

When 23-year-old Zal Chapgar of Bluebell, PA passed away, his family was understandably devastated ... ? Credit report representatives who talked to The Inquirer said what the Chapgars experienced may ... when they began receiving phone calls from credit card companies, including financial giants Amex [more...]

Date: 2009-01-15 05:49:41

50 Financial Skills Every Person Needs To Know

Popular Mechanics created a list of 100 Skills Every man Should Know, ... using ABA Routing and bank account numbers. Request and review your free annual credit report ... and/or through Treasury Direct. Read (and understand) a company’s annual report (including [more...]

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

How To Guarantee Approval For Business Loans

by katie George Understanding the requirements for loan approval and other additional variables that you can alter in order to increase your ... loan you need to show a clean credit report. If you are planning to start a new business ... into your credit report. The easiest way is of course to pay everything on time, without missing payments [more...]

Date: 2008-12-31 19:56:13

How To Guarantee Approval For Business Loans

by katie George Understanding the requirements for loan approval and other additional variables that you can alter in order to increase your ... loan you need to show a clean credit report. If you are planning to start a new business ... into your credit report. The easiest way is of course to pay everything on time, without missing payments [more...]

Date: 2008-12-28 09:25:30

Understanding Corporate Credit

by Mary Bush One of the most common misconceptions relating to corporate credit is that it works just like personal credit ... credit rating and score. So paying your bills on time and not having a high balance on available sources ... . Do you know what is on your business credit report? At least once a year you should be examining it very [more...]

Date: 2009-01-04 09:38:22

Understanding Corporate Credit

by Mary Bush One of the most common misconceptions relating to corporate credit is that it works just like personal credit ... credit rating and score. So paying your bills on time and not having a high balance on available sources ... . Do you know what is on your business credit report? At least once a year you should be examining it very [more...]

Date: 2009-01-03 22:23:56

What Determines Your Home Mortgage Loan Qualifications

When underwriters consider your home loan application and credit history, they generally look for 6 basic factors ... asking for. Get an Equifax 3-in-1 Credit Report Now! Liquid assets – Loan processors also want to see ... process. The more borrowers understand about their credit, the better they can maintain (or improve [more...]

Date: 2008-12-30 15:28:20

Wesabe introduce labs and cutback tools

Wesabe just keep the good stuff coming - ok I admit I am a fan but they are worth it ... |Wesabe blog several beta testers reported charges of $14.95 for freecreditreport.com, a credit monitoring service they understandably thought was actually free (let’s see…wouldn’ [more...]

Date: 2009-01-14 23:25:46

New regulation and the GAO

rdan GAO has a report on regulation deficiencies of financial markets: ... participants—such as nonbank mortgage lenders, hedge funds, and credit rating agencies—some of which ... difficulty understanding new and increasingly complex retail mortgage and credit products. • Fourth [more...]

Date: 2009-01-15 10:00:01

A-Z real estate vocabulary for home buyers and sellers

Nothing is more fundamental to buying or selling your home than understanding the language that realtors, lenders and others in the industry use ... , origination fee, hazard and mortgage insurance, credit report and appraisal fee. Debt-to-Income ... inspection. Annual Percentage Rate (APR) - The cost of credit expressed as a yearly rate. Bridge Loan [more...]

Date: 2008-12-02 21:05:42

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

Wildfires Cause Cooling in Arctic

wildfire image credit: Getty Images/NASA Wildfires in Alaska and Canada Had Net Cooling Effect Proving that climate science can be anything but intuitive, researchers report that large wildfires could have a net cooling effect. Led by Robert ... and Canadian wilderness in 2004. The work is credited with creating a better understanding [more...]

Date: 2008-07-23 14:23:49

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

Security

"The ultimate security is your understanding of reality." -H ... Federal Trade Commission (FTC) reports that identity theft happens to nearly 10 million ... either by new credit cards being opened under your name or thieves gaining access to existing [more...]

Date: 2008-09-09 05:48:00

Joe Klein's Ignorance of Tax Code

It is frustrating that many reporters throughout this campaign continue to lack a basic understanding of the U.S. tax system and tax policy in general, yet many report on it as if they hold CPAs or Ph.Ds. (See ... with an insufficient tax credit--$2500 for individuals and $5000 for families (the average cost per family for health [more...]

Date: 2008-09-11 04:00:00

Understanding Sun's Business - Q1 Results

We announced our earnings today, and put specifics around our preannouncement from a week ago ... , which reflected a dramatic slowing in the US and Europe, and the effects the credit crisis is having ... for investors and analysts, we've added a new management report to our quarterly updates [more...]

Date: 2008-10-30 21:46:37

Good Bank, Bad Bank: The Rich Win Again

So let’s see if I understand this brilliant brain fart correctly…Citigroup (C) and Bank of America (BAC) ... . What a fun game.Citigroup Reports $8.3 Billion Loss, Split Into Two Businesses: “Citigroup Inc. posted an $8.29 billion fourth-quarter loss, completing its worst year, as the credit crisis eroded [more...]

Date: 2009-01-16 13:40:00

Sucky Stocks Increase Reverse Mortgage Biz

by Rimj Vanrock I understand the stock market may be down a little. What? Did you say 40%? Well I know it is somewhere around that figure ... : You may consider using a Texas reverse mortgage to invest. Learn first and read this report. Also ... a bunch of money in the market. Is having a bunch of money in a line of credit really going to help them [more...]

Date: 2009-01-06 02:10:17

BAILING OUT A LIFESTYLE?

I need to admit from the get-go that my understanding of economics is best exemplified by the look on my accountant's face sometime between his ... sheet, bring a film in under budget and discern that a financial report from a Canadian producer ... as smart as the guys on Wall street who thought up all kinds of fancy debt instruments and easy credit [more...]

Date: 2008-11-13 06:22:41

How to Write Letters to Fix Your Credit Report

Credit letters While I went through bankruptcy, I forced myself to understand what impact the credit score and report had on my life ... my report that shouldn’t have been there. Cic also has a interesting write up on the ‘secrets ... ) for contacting debt collectors and original collectors. Credit Reporting agency Dispute letter (though [more...]

Date: 2008-08-11 19:56:17

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

Interesting Reads 26 Sep 2009

Here is a video of Buffet praising a Chinese suit company I found this week. I thought this was pretty interesting because it looks like Buffet doesn’t wear any other suits these days, so their suits must be really good or at least really good value for money. On to some other great posts this week: Savings Account Rates: The Latest on High Returns @ The Digerati Life Credit Monitoring Services check your credit report @ The Smarter Wallet Understanding Marginal Tax Rates @ M is [more...]

Date: 2009-09-26 14:05:47

31 Results