Is Using Credit More Expensive? Not Always

One of the biggest things that anti-credit proponents like to hold up is that using credit is more expensive. But is it really? ... save you money - a lot of money. Using your good credit score to help you leverage your debt ... interest, and I get to keep the discount. Keep Up Your Credit Score - Never charging more than [more...]

Date: 2009-01-05 13:14:47

Blog posts (148) | Videos (31)
 

Credit Repair After Bankruptcy

by Matt Douglas With a bankruptcy mark on your report your score will be lowered considerably ... . The Fair Credit Reporting Act says that any mark that can not be verified by the bureau must ... . However there is hope, you can remove this mark and by building some positive credit [more...]

Date: 2009-01-04 12:44:30

Redland, the Wades, and the armies of compassion: Part 5 ... by gimleteye

.fullpost{display:inline;}"It is a joy to be here with members of the armies of compassion. I'm really glad you're here and I appreciate your inspiration to our fellow citizens. I believe you are a constant reminder of the true source of our nation's strength, which is the good hearts and souls of the American people [more...]

Date: 2009-01-01 17:57:00

Leverage Your Good Credit! Don’t Let Good Credit’s Rewards Pass You By

If you’ve got good credit, you’ve got a lot of leeway when it comes to dealing with credit card companies. Why not leverage your good credit? ... that open when you have a credit score above 700. If you want to use these tactics, and you aren’t sure what your credit score is, you can check it by visiting myFICO.com or sites that yield free credit [more...]

Date: 2008-10-16 14:59:54

DrumBeat: November 13, 2008

Kingdom stands vindicated after IEA report on Ghawar Pushing his peak oil theory, ... indeed for the global energy balance. ...The IEA report on Ghawar, when seen in the above ... sector has run smack into a credit crisis, probably a recession as well, and almost all industry [more...]

Date: 2008-11-13 13:52:27

Cliff Pape Gives Credit Tip at RICH Club in Houston (Video)

Cliff Pape at the RICH Club in Houston, TX. “The Golden Account” Credit Tip of The Week Key to 850 credit score In reaching a credit score of ... you achieve an 800 credit score. One of the best strategies is to obtain two to four “Golden Accounts” in your credit report. Too Many Open Revolving Accounts If you have too many open revolving [more...]

Date: 2009-01-08 22:49:43

2009: Adapt, Improvise, Overcome

Just finished watching "Heartbreak Ridge" for the umpteenth time.Gunny Highway's motto came to mind in reading this article, sent by Spartacus, on what financial maven Karl Denninger saw in 2008 and sees in 2009:Where We Are, Where We're Heading (2009)Let's score [more...]

Date: 2009-01-01 03:21:00

GMAC Lowers Credit Score for Consumers

In an effort to move the $6 Billion in hand outs from the Federal Government, GMAC has lowered the credit score it uses to approve borrowers.  The median score across America is 721.  GMAC had lowered its required credit rating just two months ago, to a below the median score of 700.  But in an effort to keep Americans hooked on credit [more...]

Date: 2009-01-03 00:07:02

In The News Today

Jim Sinclair’s Commentary Israel makes a major miscalculation. Pakistan goes nuclear Turkey is a victim. It is all percolating ... in a pine forest near Ankara. The former dispute appears to be resolved for the moment. Ukraine [more...]

Date: 2009-01-14 17:47:33

End Game

This is my 603rd and last column for pbs.org. If you want to continue reading my work, please visit http://www.cringely ... know what's happening. Free converter boxes are sold out, which ought to be good, but expected DTV sales have not met [more...]

Date: 2008-12-16 15:01:01

Improve Your Credit Score: Determine Your Creditworthiness

Sure, the economy may be flailing, but learning to preserve and maintain your creditworthiness and improve your credit score is still extremely ... be floundering. Send Away for Your Credit Report - for Free! Are you interested in seeing what’s on your credit report and determine your creditworthiness for yourself? It’s easy [more...]

Date: 2009-01-16 09:18:45

A 700 Credit Score Doesn’t = Good Credit

There’s more to a credit report than a score.You can have good income and a 700 credit score (which is about average) and still not qualify for a mortgage.  The reason is that lenders generally look for one key factor: repayment history.Suppose, for example, that you have a 710 credit score but only one credit account. [more...]

Date: 2009-09-23 07:10:00

What is the FICO number that is considered PRIME?

The following post in our Reader Question series is an actual user submitted question ... is and what the term prime means as it relates to credit scoring and lending. A FICO score is a three digit number that is determined by calculating various factors in your credit report. FICO scores range [more...]

Date: 2009-01-14 17:50:30

GMAC Restricts Financing To Credit Scores Over 700

Gmac_logo170 The credit crunch has already been affecting the automotive market for months, ... by GM, is restricting consumer auto financing to those with a credit score of 700 or above. Those are consumers who are considered to have very good credit. They’re also looking to limit contracts [more...]

Date: 2008-10-14 14:23:25

GM posts 45 percent drop in October sales

[ GM sold 2.11 million vehicles in the third quarter, while Toyota's sales for the period fell 4 percent to 2.24 million ... its October U.S. sales plummeted 45 percent because of weak consumer confidence and tight credit ... percent in October as low consumer confidence and tight credit combined to scare customers away [more...]

Date: 2008-11-03 19:16:36

What's going on with GMAC's car loan standards?

Filed under: TransportationFlush with capital from taxpayers, GMAC is lowering its underwriting standards. The credit crunch and a shortage of cash had pushed the company's minimum FICO score for car ... required credit score below 670 would have allowed 65% of Americans to get a GMAC loan [more...]

Date: 2009-01-02 23:00:00

You, your dog, and good company! (SF)

You, your dog, and good company! (SF) — admin @ 12:15 am Who: You, your dog, good company. There’ve been 7-12 people each time lately ... of the city and find that Bernal is too far across town (or if you want to check out something new), check it out! ======================================================= ************** A Good Credit [more...]

Date: 2009-01-16 08:15:03

Chattel Mobile Home Financing and Refinancing Guidelines

Mobile home loan products are offered to qualified applicants to purchase a new or employd mobile home, or, ... land such as a park Minimum 660 credit scores and above Debt to income ratio cannot exceed 45% Housing ratio cannot exceed 34% Minimum 700 credit score for debt consolidation refinance Home [more...]

Date: 2009-01-03 08:07:30

What Sort of Loan Can I Get? (October 2008)

Having had two separate very qualified buyers ask me if they could get a loan in the last two days was kind of an eye opener to all of the hype out ... to get real estate loans, despite having good credit, a good income, and a substantial down payment [more...]

Date: 2008-10-23 13:44:13

How do I start my own business?

How do I start my own business? STARTING AND GROWING A BUSINESS IN THE NEW DIGITAL ECONOMY Come up with a good idea? Mull it over, refine it, sleep on it, and then, and only then, decide to give it a green light or a red light depending on what your gut says [more...]

Date: 2009-01-14 23:39:15

GMAC Is Taking Your Bailout Tax Dollars and Lowering Its Lending Standards

In a scene reminiscent of a time before the recession, GMAC, the lending arm of General Motors, ... ? According to Equifax: 15% of the U.S. population has a credit score below 600 35 ... car loan applicants.  GMAC recently announced that that it would lower the minimum credit score [more...]

Date: 2009-01-06 13:30:45

The End of Friedmanite Economics By Mike Whitney

Dandelion Salad By Mike WhitneyOctober 16, 2008 “Information Clearinghouse” “We are in the midst of a major historic turning point, ... into “systemically important” banks so they could resume lending and reduce stress in the credit [more...]

Date: 2008-10-17 14:26:40

Transcript: DICK Cheney on Fox News Sunday | The Exit Interview | December 21, 2008

(Source: CQ Transcriptswire) Editor’s Note: This portion of the show transcript contains only the Cheney interview. Mr. Chris WALLACE: Mr ... s package basically extends a line of credit to the companies for a specified period of time and also [more...]

Date: 2008-12-21 20:13:21

Music Theory

Diablo Valley CollegePleasant Hill, CATheory I: Introduction to Music Theory and Musicianship (Music 122-1313)Spring 2009Dr. Mark AlburgerOverviewCourse InformationUnit Credit:5, Grade Code SC - grade or credit / no credit. Please decide before Week 6.Prerequisites:None.Location:M-127.Meeting Times:MTWTh 12:30-1:45pm [more...]

Date: 2009-01-16 14:13:39

Jumbo Prime ‘Walk Away’ Loans - More Downgrades Coming

Mr Mortgage is a 20-year mortgage banking veteran, specializing in wholesale and correspondent sales and sales/operations management and bringing ... housing, mortgage and credit meltdown’ and company-specific events. He owns and is the primary [more...]

Date: 2008-12-10 16:51:11

GMAC Leaves Californians With Few Car-Loan Options

Gmdealer GM's financing arm has decided to restrict loans to only customers with the best credit, due to the destabilization in the economy and the tightening of the credit market. Only car buyers with a credit score of 700 or higher will qualify for a car loan. The state of California [more...]

Date: 2008-10-21 19:00:16

Credit Score Rating Scale

by William Blake The credit score rating scale is a confusing numeric system to understand ... is anything above 700. With an excellent credit score you will be offered the lowest interest rates ... . How Your Score Is Composed Many factors go into to composing your credit score. Credit [more...]

Date: 2009-01-15 09:14:59

What Credit Card Should I Go For Citi Bank Or Bank Of America?

I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why? [more...]

Date: 2009-09-29 04:54:34

EVEN AFTER $14 BILLION IN TARP CASH, DETROIT REMAINS ON LIFE-SUPPORT

(Ford's 2010 Mustang Shelby GT500 will boast 540 horsepower and 510 lb.ft of torque along with a new gearbox ... on the bailout sidelines, but is still pushing for a TARP "line of credit" if they need it, which they probably [more...]

Date: 2009-01-08 10:18:12

Low Mortgage Rates to Spur New Wave of Defaults

Mr Mortgage is a 20-year mortgage banking veteran, specializing in wholesale and correspondent sales and sales/operations management and bringing ... housing, mortgage and credit meltdown’ and company-specific events. He owns and is the primary [more...]

Date: 2008-12-30 12:00:56

How Badly Can Right Wing Democrats Hurt Obama? Like Nick Lampson

Only one Democratic congressman can be The Worst, unless there's an exact tie. Or unless you can't agree how to measure worst ... unity score" for 2008 is 56%, far worst than even the most reactionary and chickenshit nominal Democrats [more...]

Date: 2008-10-31 18:30:00

Some Advice

Here's one of those emails that goes round and round ... but this one is kind of useful. ( ... her handbag was stolen. Her handbag, which contained her cell phone, credit card, wallet...  etc [more...]

Date: 2009-01-13 21:04:00

The POR Economy: I Had NO Idea How Poor

The POR Economy: I Had NO Idea How Poor In early July, I welcomed readers to the POR (Pelosi-Obama-Reid) Economy: ….. House Speaker Nancy Pelosi, presidential candidate Barack Obama, and Senate majority leader Harry Reid aren’t merely talking the economy down; they’re taking it down. …. [more...]

Date: 2008-10-20 12:06:33

How To Repair Bad Credit Fast!

Recently I was applying for a loan and needed to increase my credit score. I needed to get above 650 to qualify for the rate I wanted. My current score was 590. I was able to repair my bad credit fast and got my score to 700 in less than 60 days. [more...]

Date: 2009-09-14 17:24:31

Fix Housing First Proposal, What is it and Will it Work?

Fix Housing First Logo It’s an era marked by unprecedented government intervention, corporate bankruptcies, ... Mac and Fannie Mae, $150 billion for A.I.G., $25 billion for more efficient vehicles, $700 billion [more...]

Date: 2009-01-07 07:21:25

Suze Orman’s 2009 Action Plan

Suze Orman outlined her 2009 Action Plan today on the Oprah Show ... have credit card debt. Improve your FICO score. The higher the number the better (850 is the highest ... . Ways to improve your FICO score: 1) Pay more than the minimum payment on each credit card. 2) Pay [more...]

Date: 2009-01-08 01:40:03

News and Views

Israel Rains Fire on Gaza With Phosphorus Shellsby Sheera Frenkel and Michael Evans - The Times Online (UK) ... to the edges of Gaza City and the Palestinian death toll topped 500, the tell-tale shells could [more...]

Date: 2009-01-06 11:53:00

$2 Gas Doesn’t Mean Problem Solved

America Loses if Pickens Takes a Powder Just over a week ago, T ... s had barely an effect on the credit markets.  $700 billion is about 10% of the entire annual economy [more...]

Date: 2008-11-25 15:00:17

Know more about the average credit score

Know more about the average credit score January 17th, ... credit score, then you don’t have to wonder anymore. According to studies conducted by Experian, a credit reporting and credit agency, the national average credit score is 680. Your score determines [more...]

Date: 2009-01-17 04:56:10

Andrew Lloyd Webber (b. 1948)

Andrew Lloyd Webber (b. March 22, 1948, South Kensington, London, UK) is the son of Jean Hermione (Johnstone) ... comprising a medley of tunes from the show, and the score reflects some of Lloyd Webber's early influences [more...]

Date: 2009-01-16 14:13:39

Net Worth: December - 2008 Ends w/ a bang, Hallelujah!

Up $4k - not a bad way to start the year, eh? ... off all credit card debt: 100% A+ bustaroo! I actually accomplished this twice - once in the first [more...]

Date: 2009-01-06 14:44:19

Check out BBC NEWS | Europe | Austria and the Haider factor: Special report

Click Here BBC NEWS | Europe | Austria and the Haider factor: Special report "Looking Unto Jesus"Hebrews 12:2A Good Credit Score is 700 or Above. See yours in just 2 easy steps! [more...]

Date: 2009-01-16 18:33:00

Pfizer Layoffs 2009: New Details Emerge and Rumors Abound

Abstract: Pfizer has announced a new round of layoffs ... announced 700 layoffs in France, particularly the sales force at its Paris headquarters (MarketWatch [more...]

Date: 2009-01-14 16:03:27

Warren praises Obama for inviting homosexual bishop (OneNewsNow.com

Warren praises Obama for inviting homosexual bishop (OneNewsNow.com) "Looking Unto Jesus"Hebrews 12:2A Good Credit Score is 700 or Above. See yours in just 2 easy steps! [more...]

Date: 2009-01-16 18:13:00

Local car dealers excited by Federal bailout of GMAC

GMAC mostly handles car loans for GM.  Due to the “credit crisis” GMAC tightened their lending standards over the last couple of months so that you could only finance a new car if your credit score was 700 or higher.  Note that 58% of Americans have a credit score of 700 or higher. The Federal Government got involved and used six billion [more...]

Date: 2009-01-06 01:26:57

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

GMAC Now Officially Requires 700-Plus FICO Score For New Car Loan [Financiapocalypse]

The Financiapocalypse continues. We just received a copy of an e-mail that went out at GMAC, the lending arm jointly owned by GM and Cerberus, ... : you'll now need a minimum 700 credit bureau score to get a car loan at dealer invoice or below from GMAC ... consumers who have a minimum 700 credit bureau score, with an advance rate equal to or less than [more...]

Date: 2008-10-13 22:20:00

GMAC to require 700+ credit score for auto loans

GMAC to require 700+ credit score for auto loans Read More Discuss (19)E-Mail Just a few years ago when credit was easy to come by and the housing market was over inflated, it wasn’t rare to see an average earner rolling around in a luxury car that should [more...]

Date: 2008-10-13 22:39:53

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