Credit Karma’s Credit Simulator (and Other Credit Tools)

Last April, I went to Finovate Startup in San Francisco ... you can get, free credit scores from them. It’s important to realize that a credit score is different from a credit ... -track with the credit score explanation.  I meant to report that Credit Karma won Best in Show [more...]

Date: 2008-10-28 14:13:56

Blog posts (503) | Videos (335)
 

Fundamentals to Repairing Credit

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 ... . On a yearly basis, you are able to receive a free report (fee for the credit score) from each ... project. The “credit risk” label is based on your “credit report” and “credit score.” Therefore [more...]

Date: 2009-01-08 23:57:25

Free Online Credit Scores

Credit scores are scores that show a person’s financial creditworthiness ... ). Every person can get his/her credit report from each one of the credit bureaus: Experian, Equifax ... , based on whether he has repaid his previous loans satisfactorily. In other words, a credit report [more...]

Date: 2008-12-24 21:06:39

How To Fix Your Credit Score

One of ten Americans face the problem of having terrible credit scores or credit reports. If your one of them and are searching for a program to repair your credit, and are a few good solutions for you to look into. Post Excerpt from: BecomingWhoYouWantToBe . Click "read article" to see complete version. Looking for more information on business, success and careers? Visit our affiliate sites: Health Wealth & Happiness and Finding My Passion in Life . [more...]

Date: 2009-09-21 21:35:41

Start Improving Your Credit Score Today

If you want to borrow money from a lender, you’ll quickly learn how important your credit score is ... all still fall within a similar range. Sometimes, credit scores go by the name of FICO scores. Fair Isaac ... your loan based on what they find. A bad credit score can also mean you’ll only be offered loans [more...]

Date: 2009-01-16 00:46:34

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Your Credit Score is Key When Financing a Car

Credit Score I did a tele-seminar recently for a group of women and they asked so many questions about car loans, credit scores and how to qualify for the best loan I thought I would pass on these great tips from Aware. Taking Steps to Boost Your Credit Score According to a consumer survey conducted [more...]

Date: 2008-12-09 22:34:49

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

An AP Stats Lecture

Because yesterday's hearing ran so late, I missed my AP stats class. Here is the way I would explain what went on to my students ... has a credit score, called a FICO score (FICO is an acronym for Fair, Isaac Company, the name of the leading credit scoring firm). Oversimplifying, let us say that a credit score of 660 is the cutoff [more...]

Date: 2008-12-10 14:20:10

Personal Finance Links - Aug 30 (pfblogs.org)

Nickel talks about Five Ways to Get Your Free Credit Report for Free. It is important to keep track of your credit score ... . With identity theft on the rise, your credit score is always in danger. A damaged credit score can prevent you from purchasing a home or car. Here’s some of the ways nickel ... ... [more...]

Date: 2008-08-30 12:01:34

Credit Analyst Warns of Trap for Credit Card Customers

/PRNewswire/ -- "Many people will have their credit scores lowered this year if they're not watchful, know what to do and take action," ... for consumers who are not prepared," said Johansson, speaking recently about credit scores at the Texas Bankers ... said Eddie Johansson, president of Credit Security Group, a leading nationwide credit score [more...]

Date: 2009-01-07 15:01:00

A Good Rredit Score For Loans

Most of us have already received some form of credit score without his knowledge ... or Experian. Make sure all items in duplicate such damage to your credit score. Until these basic tips ... . Please credit score if you borrow money or pay money from your bank, and could be a mobile phone [more...]

Date: 2008-10-30 12:15:48

It’s Your Credit - What Is A Good Credit Score?

posted by colin1234 by Christine A. Mathews When you apply for credit, one of the first things a lender will check is your credit score ... have. The three major credit bureaus (Equifax, Experian, and Trans Union) all have their own way of determining ... your credit report from each one, as sometimes mistakes are made. When that happens, you should [more...]

Date: 2009-01-02 08:41:44

Weekend Reading: August 24, 2008

I’m going to keep this round up nice and short since my family isn’t doing so well with cold and fever running rampant ... closer before forming your opinion. Credit Report Versus Credit Score at Free From Broke – A nice primer that distinguishes credit report from credit score. 4 Things That We Can Do to Fix Our National [more...]

Date: 2008-08-24 04:31:38

Why A Credit Score Is Crutial To You

Credit scoring is nothing new, it’s been used for 4 decades. A good credit grade is crucial in our financially forced order ... can be utilised, no matter what location you have in society. From employment chances to purchase a house or a car and gaining a charge card, a person must have a good standing in their credit history [more...]

Date: 2009-01-03 21:05:48

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

Improve Your Credit Score

We have been getting a lot of calls from this certain bank where my brother has applied for a loan ... you maintain a good credit score. But be sure to remove credit report errors so you would ... some of you can relate, and if there is one thing that could make everything stop, it is to improve credit score [more...]

Date: 2009-01-10 02:25:22

Basic Credit Scoring 101 For A Better Mortgage Rate

by Rob Kosberg Credit scoring is becoming more important to mortgage pricing so now would be a terrific time to brush up on your credit education ... balances should hold steady at no more than 30% of the card limit. The credit bureau believes ... is one of the major credit scoring companies. All can learn from the numerous pages of financial tips [more...]

Date: 2008-12-30 08:22:00

Bad credit risk, bad driver?

This is a good year for drivers in California. Way back when in 1988, Proposition 103 received more than enough support from voters to pass ... . Add in lack of consistency in employment and multiple lines of credit getting close ... insurance quotes , check out your credit score and, if necessary, repair the score. The Fair Credit [more...]

Date: 2009-01-06 12:06:34

Credit Nexus : Get 3-in-1 Free Credit Report

Posted on Wednesday, January 14, 2009 No Comments Labels: affects my credit score, improve credit score, ... one website that teach you how to remove credit report errors? One thing is sure, first time I realize ... remove credit report errorsCredit Card - is a part of a system of payments named after the small [more...]

Date: 2009-01-13 20:04:00

Credit Score Rating Scale

by William Blake It is important to improve or protect your credit scores ... . If your scores are below 450 it will be almost impossible for you to obtain any type of loan or credit ... system that is used to determine a persons credit scores. But it is helpful to try to understand [more...]

Date: 2009-01-06 14:23:22

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

8 ways to improve your credit score

8 ways to improve your credit score By Katie McCaskey, Geezeo.com Why? Because it’s harder than ever to get a loan. And the higher your credit score, the better your chances of securing a loan at a good interest rate when you need one. Read More » Cheat Sheet Biggest Loser Club on trimming [more...]

Date: 2008-12-13 00:46:40

Free Credit Report

Most individuals only think of credit scores if they are applying for loans ... score by keenly monitoring the credit ratings and identifying any problems and discrepancies in the process. In addition, the site also gives idea to people about the factors affects my credit score [more...]

Date: 2008-12-31 02:11:23

How to Clean up and Get a Higher Credit Score

At the moment, about 30 million credit card users in the United States have low credit score (below 620) ... . Insurance companies, employment firms and even landlords also use this system to check an applicants paying ... . Low numbers in the credit score sheets means slimmer chances for them to obtain loans [more...]

Date: 2008-12-03 07:00:10

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... of resources.Card credit credit score Credit repair forum Providian credit card application Va home mortgage loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian [more...]

Date: 2008-06-24 14:10:35

How Real Estate investors can deal with bad credit reports

by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . If you are trying to apply for an apartment complex the landlords may take a look at your credit score ... a good credit score is important in today’s world. However, what do you do if you happen [more...]

Date: 2008-12-29 21:20:55

Improving Your Odds of Getting Approved for a Mortgage

by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... on what your financial history is like. If you aren’t sure what it is, get a copy of your credit score and your credit report. Banks look at your credit report and score to determine what their risk is [more...]

Date: 2009-01-09 18:30:22

Are You Thinking About Declaring Bankruptcy?

by Elma Evvie Declaring bankruptcy is one of the most difficult decisions and should never be taken lightly ... of before ou begin declaring bankruptcy that you may or may not know. 1. Your Credit Score: Your credit score is extremely important when it comes to getting new loans or even trying to get a job [more...]

Date: 2008-12-01 12:58:15

How to Rebuild Your Credit

Is your credit score low? Are you drowning in debt? Follow these steps to get on the path to rebuilding your credit. 1 ... your credit score even lower. Get every past due account below the maximum limit. 2. Examine ... negatively impacted your credit or been referred for collection. This will help stop any new judgments [more...]

Date: 2009-01-14 08:44:13

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

This Week in Credit: Fees and Scores

adele_D_20090115144535.jpg Getty Images Credit card pop art The bad news: ... . Some good news: Free credit scores might be offered more widely. Keepers of the FICO score Fair ... and have not finalized our suite of products and features at this time. Credit-score watchers, keep us posted [more...]

Date: 2009-01-16 17:57:45

Online Auto Loan Applications

Tip! The first step is to find out what your credit situation really looks like. With a credit score, also known as a (FICO score) ... invariably has to approve a credit check authorization, which allows the loan-providing institution to verify his credit status. This will not apply in cases where the applicant has a bad credit [more...]

Date: 2008-12-28 22:15:58

New threats to credit scores

New threats to credit scores A revised FICO formula will kick in soon, and the balances you carry will matter more than ever ... new year despite weak data The first economic report of 2009 shows the worst manufacturing reading ... dispute won’t cause shortages in Europe. The Optimality of Uniform Pricing in IPOs: An Optimal [more...]

Date: 2009-01-02 19:19:15

Free Credit Report and Scores

Free Credit Report and Scores January 14th, 2009 Subscribe To Our Feed Are you kind of person that is regularly updated about the state of your credit report? such thing has become very important nowadays, considering the current ... moves need to be taken with care, a credit report checking could save you problems in the near future [more...]

Date: 2009-01-14 14:47:36

FreeTripleScore.com Will Cost You $30 Per Month [Rip Offs]

United Airlines said it would listen to feedback from customers about its proposed plan to ax hot meals for coach passengers on international ... any commercial" cable nets (by which we mean G4). Freetriplescore.com warns you that your credit score ... " credit report website you should ever use is AnnualCreditReport.com. For free credit scores [more...]

Date: 2008-09-02 18:19:37

Would Knowing Your Credit Score Make You a Better Borrower?

This time it’s not a bait and swtich. You may be familiar with Freecreditreport.com ... State Employees Credit Union is giving its online banking and credit customers access to Scores ... . The company promises a  ”free” credit score upfront and hits you with enrollment in a $15/month [more...]

Date: 2009-01-16 18:49:19

Protecting Your Good Credit

It’s safe to say that if you have built a good credit score, you’d like to keep it that way. Who wouldn’t? There are a few simple things to remember when you are maintaining your credit score. Even though ... enough to make you forget about your credit score completely. Don’t fall into this bad habit [more...]

Date: 2009-01-16 12:00:11

I Guess Our Mortgage Is Officially Considered Small

As a follow up to the post I wrote a few days ago about the new consumer protection laws and the possibility that thrift stores would have to stop ... scores until now.  We went to the annual credit report site and picked Experian.  Credit scores were $5.95 each, and the credit report is free (we normally just get the free report).  We got my husband’ [more...]

Date: 2009-01-09 08:15:42

Will carrying a credit card balance through month end hurt your credit score

As I vaguely mentioned in my $100,000 by Age 30 year end recap post my wife and I are starting to save for a house we want to build down the road ( ... and research. One thing that I want to start preparing for is upping my credit score to get it as high as possible to make sure that I would qualify for the best rates. My credit score is not bad [more...]

Date: 2009-01-16 06:00:12

Credit Scores for the Ages

It’s funny how sometimes a post will take on a life of it’s own within the comments…such is the case with my recent interview of Jillayne Schlicke ... with the new year approaching…the comments have turned into a discussion of credit scores.  Most likely ... to go up as banks and conforming paper sold to Fannie and Freddie will raise minimum credit score [more...]

Date: 2008-11-08 18:15:24

Friday’s Rates

Mortgage rates continue to be very volatile.  They are improved from last week’s rate report yet higher than the low point (mid 5’s for 30 year) ... properties).  The conforming rate quote below is based on owner occupied with a mid-low credit score ... .  Pricing based on credit score of 620 or better [more...]

Date: 2008-09-12 21:26:07

Why Is It Essential To Have A Good Credit Score?

by Jason Bishop A healthy credit score is principal in our financially driven order ... don’t recognize that Receiving a good credit history can aid them with employment opportunities, applications for credit cards, buying a new house or even a new automobile. To be able to buy a new [more...]

Date: 2009-01-12 19:41:17

How to Raise My Credit Score

A common question many people have is how to raise their credit scores ... score is just a bunch of statistics! Get a copy of your credit report and scan for any errors ... it down! When you have an account with no negative reports, it looks good on the credit report. Don’ [more...]

Date: 2009-01-16 07:26:13

Reminder: 9 Months of Free Credit Scores + Monitoring

One of the three major credit bureaus, TransUnion, lost a $75 million class-action lawsuit a while back, ... unlimited daily access to your TransUnion credit report and credit score, as well as e-mail alerts when something changes. This is a good way to know when someone is pulling your credit report [more...]

Date: 2008-09-11 11:20:31

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

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... as to how much of your available credit you’re using. According to Yahoo! Finance columnist Liz Pulliam Weston, “if your credit card issuer slashes your credit limit — which is increasingly likely [more...]

Date: 2008-12-29 21:48:19

Real Estate investing and bad credit reports

by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . If you are trying to apply for an apartment complex the landlords may take a look at your credit score ... reasons as to why having a good credit score is very important in today’s world. However [more...]

Date: 2008-12-25 10:33:44

Credit Score - An Introduction

Tip! Closing unused accounts is a negative strategy to raising one’s credit score ... in the data bases of the big three credit reporting agencies - Equifax, TransUnion and Experian ... . Factually, fewer open accounts with the same amount of debt ultimately reduces a credit score [more...]

Date: 2008-12-24 13:17:45

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

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