Following Complex Financial Times You Can Rebuild Your Credit

Upgrading credit after a interval of monetary hardships, bankruptcy, repossessions or other monetary strain that blemishes any credit report can be scary and baffling. For most people these are times of hideous strain. But times change and situations change so don't let the relief than comes when the wages and money get back in line be overshadowed by the tribulations left on the credit report. [more...]

Date: 2009-09-30 14:11:53

Blog posts (157) | Videos (108)
 

Debt Consolidation Loans: Provides You Information About Your All-Financial Quarries

Debt consolidation is where people with multiple debts seek help from professionals who offer them a loan that will consolidate their loans into one ... in a devastating bankruptcy which most of us wish to avoid. Bankruptcies can stay on your credit report ... become more unaffordable, they end up defaulting on a few payments and their credit report gets [more...]

Date: 2009-01-08 14:50:52

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

Credit Bankruptcy - Essential Information

Someone once said that bankruptcy is essential in order for capitalism to survive ... s credit rating is affected by bankruptcy, with Chapter 7 (basic liquidation) being kept on report ... if they know that this action will remain on their credit record for a long period of time. Even from the beginning, debtors [more...]

Date: 2009-01-16 00:24:18

How Does Bankruptcy Affect Your Credit Score?

For many consumers facing high levels of debt, bankruptcy may seem like the only available option ... clients will see this blemish on their credit report for up to seven years, but the implications don’ ... , as it can be hard to obtain credit, even with a clean slate. After the bankruptcy declaration [more...]

Date: 2009-01-08 02:16:12

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

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

Bankruptcy and Buying a Home

Filing bankruptcy is a stressful time in a person’s life ... are now offering home loans for those who have a bankruptcy on their credit report. Some lenders will even ... . The loss of a job, unexpected medical bills, and overwhelming credit card debt are just a few [more...]

Date: 2009-01-03 08:57:46

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

FTC shuts down O.C. debt-negotiation scam

The Federal Trade Commission said today it has shut down an Orange County debt-negotiation business that instead of helping consumers resolve their ... their bills. The result: Interest on customers’ debts grew, leading to lawsuits, bad credit reports ... bills, drove them to bankruptcy. The FTC charged that Homeland Financial Services LLC of Santa [more...]

Date: 2008-09-25 23:09:42

Tribune Company Weighing Bankruptcy

Tribune Company is considering whether to file for bankruptcy, according to several news reports out today ... how seriously Tribune is considering bankruptcy, according to a cautiously written report in The New ... . has cash and could draw on an existing line of credit with its senior lenders to pay Monday's bill [more...]

Date: 2008-12-08 20:57:31

The Menace Of Credit Card Debt

Credit card debt can often be crippling and lead to a lot of stress ... . With hassling creditors, a ruined credit report and a threat of looming bankruptcy, it becomes extremely ... . Even students are not immune as people are getting credit cards at an earlier age and falling [more...]

Date: 2009-01-16 08:41:46

Weekly Carnivals

So this week I’m starting a turbotax giveaway.  Subscribe to my RSS or Email feeds in the left sidebar, and EMAIL me the secret word; ... of Money Stories 12-22-08 Carnival of Credit Report Stories 16th Carnival of Bankruptcy and Debt 12-20-08 Carnival of Financial Planning 2nd Everything Credit Carnival I admit to not really reading [more...]

Date: 2009-01-04 20:35:39

Avoiding Bankruptcy

Avoiding Bankruptcy completely would be best for anyone considering the options, however in some cases, ... to attain a loan again, for example, and it will in fact stay in big red letters on your credit report ... would be speaking with a credit counselor. They have the ability in helping you possibly consolidate [more...]

Date: 2009-01-16 02:11:52

Credit Markets Overstate Sears Bankruptcy Risk

Credit markets estimate the probability of Sears Holdings (SHLD) going bankrupt at 26%, according to a December 22nd Credit Suisse research report entitled, “ ... ) are at 1%-2% each. While Sears’s operating results have clearly deteriorated, pegging a Sears bankruptcy [more...]

Date: 2008-12-23 11:21:31

Banks? Credit Quality Expected to Worsen

Kerry E. Grace reports: Although government support has buoyed U.S ... s bankruptcy caused the credit markets to seize up in September. The ratings agency also expects ... . banks, the industry will likely experience overall credit quality deterioration at least through [more...]

Date: 2009-01-06 09:09:00

Could Your Local Mall Be Going Bankrupt?

Could Your Local Mall Be Going Bankrupt? Posted by BK Dallas on 7 Jan, ... $27 billion in commercial loans in Texas are at risk for default in 2011 because of the credit ... 2009 in Bankruptcy According to a report released by Foresight Analytics LLC and Trepp LLC [more...]

Date: 2009-01-07 20:53:38

Bankruptcy reform *now*!

David Sirota:Back in December, I published a newspaper column looking at a little-noticed Federal Reserve Bank report showing that the Bankruptcy ... facing foreclosure or otherwise delinquent on their payments. Credit Suisse now estimates that 8.1 ... into delinquency within six months.Voluntary mortgage modifications do not work in part because many [more...]

Date: 2009-01-12 20:35:29

Credit Suisse implicated in latest US major media failure

Minneapolis, Minnesota, US and Zurich, Switzerland (GenevaLunch) - Credit Suisse has been named as one of the largest creditors in the chapter 11 bankruptcy filing ... been published. The Irish Times in December reported that Credit Suisse remains one of the world’s best [more...]

Date: 2009-01-16 22:53:49

Bankruptcy Issue; Privacy and Third Parties

Never underestimate the value of attending a conference ... credit unions and other creditors for discrepancies in credit reports.  The problem stems from the way ... .  You get to pick up great tips from smart people, like Andy Keeney, a credit union attorney [more...]

Date: 2008-11-10 15:44:30

Random Weekend Reader

SINCE I’M BROKE and the economy has been tanking I’ve been perusing a lot of economics blogs ... , ways to avoid medical bankruptcy, and how to write letters to fix your credit report. Cons: many [more...]

Date: 2008-10-19 00:46:18

New York City Bankruptcy Lawyer amp; Attorneys - Chapter 7

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... is that it will stay on your credit report for ten years. Obviously, this makes applying for new credit less favorable, although there are too many factors involved to say that conclusively./pdiv style [more...]

Date: 2009-01-11 16:15:36

In Credit Default, AMI Skirts Bankruptcy Filing

As part of its quarterly financial report, American Media Inc. said it is has again extended its loan payment, which was originally due September 25, until January 26. The payment was previously [more...]

Date: 2009-01-12 14:46:24

Declaring Bankruptcy

by Elma Evvie Deciding whether or not to declare bankruptcy can be one of the most difficult decisions ... : When you apply for a loan or even get a job if your credit score is bad then that can influence them to deny ... ; then it is going to leave a bad mark on your credit report for seven years. If you are struggling and barely [more...]

Date: 2008-12-30 12:44:30

Tips on Declaring Bankruptcy

If you know you’re going to declare bankruptcy, there’s probably not much I can say to make you change your mind but there are a few things I can ... to have a ding on your credit report for years to come.  What does this mean?  Kiss the good interest rates goodbye and kiss the annual-fee free credit cards away as well.  You’re most likely going [more...]

Date: 2008-11-29 20:11:42

What are your alternatives for filing bankruptcy?

The term ‘bankruptcy’ conjures up an image of someone publicly disgraced and broke ... for long. It will remain on your credit report for nearly 10 years due to which no reputed lender ... as a part of the Insolvency Act of 1986 and is a legally approved debt solution. When you opt for an IVA [more...]

Date: 2009-01-16 08:28:53

Buying A Home After Filing Bankruptcy

Buying a house after filing bankruptcy is a real possibility after a year ... be good enough to qualify for a conventional loan. It is also a good idea to check your credit report before applying for a mortgage. You can get an annual free report from any of the three reporting [more...]

Date: 2008-11-23 21:15:25

Finding a Bankruptcy Attorney in New Hampshire

People living with debt that they can’t handle have a few options to choose from ... for 10 years until it ages off your credit report. Combined with the cost and potential loss ... . They can contact a debt or credit counsellor and try to work out a debt settlement plan [more...]

Date: 2009-01-16 00:28:49

New blame emerges for mortgage crisis

Researches from the Federal Reserve Bank of New York have issued a report blaming the 2005 bankruptcy reform act for our current mortgage crisis ... . They say that the legislation, (which forced more well-to-do households, filing for bankruptcy, to file under Chapter 13 instead of Chapter 7), took the risk away from credit card lenders, shifting it [more...]

Date: 2009-01-13 22:03:02

How To Deal With Bankruptcy, a Job Hunt and The Wild Stock Market

I always enjoy going to Ginger’s site — the blog called “Girls Just Wanna Have Funds” ... . Credit Card: How To Dispute An Item On Your Credit Report In the meantime, Dollar Frugal hosts [more...]

Date: 2008-10-08 16:07:31

Told Ya

Oh, go on, we earned it! David Sirota: Please forgive me for saying it ... left to pay the mortgage. The Fed’s report estimates that the bankruptcy bill is causing 32,000 ... and boost the economy. They told us that a trillion-dollar Wall Street bailout would solve a credit crisis [more...]

Date: 2008-12-15 12:22:16

Bankruptcy

Teresa Sullivan et al's book, As We Forgive Our Debtors (1989, see Chap 8, specifically) ... -earner females in the bankruptcy sample. Domowitz and Sartain do not report any effect of gender ... points out that women were not even guaranteed credit in their own names until 1970 (or 1974 [more...]

Date: 2009-01-12 16:47:18

Dan Gainor on Fox News, Discusses Decline of Media

Vice President for the Business & Media Institute, Dan Gainor, spoke with Gretchen Carlson, host of "America's News HQ," ... , as reported in the paper Dec. 7. The Times said its credit rating from Standard & Poor's recently ... bankruptcy and cut jobs in many print news bureaus. [more...]

Date: 2008-12-10 15:32:25

Investment Banks Hoist on 2005 Bankruptcy Law Changes Petard

Investment banks? What investment banks, says the alert reader ... to pull funds from the Federal Reserve more readily. The Financial Times report that the changes ... about having credit exposure and can start curtailing certain types of activities and close accounts [more...]

Date: 2008-10-31 14:00:01

Today's Financial Markets News - Jan-14-09

By The Greek - Economy & Markets:Visit the front pages of Wall Street Greek and Market Moving News to see our current coverage of economic reports ... tough holidays; Nortel (NYSE: NT) files for bankruptcy; S&P threatens downgrades for much of Europe ... was canceled in Europe on several possible factors. Sovereign credit downgrade threats against several [more...]

Date: 2009-01-14 18:00:00

Ditched And Left To Rot In Florida

The Tampa Tribune reports from Florida. “Ernie Harpster fell behind on his mortgage payments last year. The lender filed a foreclosure lawsuit ... payment meant I didn’t have to file for bankruptcy because I could pay other bills, like credit cards [more...]

Date: 2008-10-05 14:26:40

Lehman, Metavante and the ISDA Master agreement

On Monday, FT Alphaville remarked upon a report by Finance Asia on a ruling in a US bankruptcy court that, as we put it, "may turn out to be something of a game-changer" as far as the world of credit derivatives was concerned. In short, past assumptions regarding counterparties' ongoing obligations to bankrupt swap partners appeared to have been torn up.... [more...]

Date: 2009-09-30 11:50:12

Private Equity: It?s Not a Downturn, It?s a Decimation

Private-equity mavens like to describe the credit crisis as a “perfect storm” or “financial tsunami, ... . Their report’s message: take cover. The consultants expect 50% of all companies backed by private-equity ... prices. Thomson Reuters data show that the number of bankruptcy filings by pending or current financial [more...]

Date: 2008-12-23 12:03:00

Housing in O.C. beach towns slumps, sales off 28%

Analysis of MDA DataQuick’s November report shows the county’s beach-close communities are clearly being challenged by a credit crunch and a ... project New five-diamond golf resort is ultimate in indulgence Bankruptcy sought for ocean-view homes [more...]

Date: 2008-12-22 08:24:51

Is the 6-month Stock Market Rally About to End?.

by Bob Chapman Global Research October 1, 2009 The G-20 Pittsburg Summit ended last Friday. Their official statements made for some novel and interesting reading. We were informed that the group could by working together could manage a transition to a more balanced pattern of global growth. Tending to domestic demand as private savings increase. It is obvious to us this cannot work. We are seeing increased savings and decreased consumption. The IMF as well agrees with these policies. [more...]

Date: 2009-10-01 17:54:55

A Mahatma rally!

"Earth provides enough to satisfy every man's need, but not every man's greed." – Mahatma Gandhi. Whether one should be greedy at this stage is a BIG question after such a stunning rally. We’ve come a long way in a year. The journey from the brink of Great Depression has been spectacular. The moot point is where do we go from here? The fact that so many people have missed the rally could ensure that the bulls maintain an upper hand. [more...]

Date: 2009-10-01 04:03:00

Could Goldman Sachs Share GM’s Fate?

Investment banks have gotten fat off the land since 1982, when the great U.S. bull market got its start. Their business has multiplied many-fold, and their earnings have soared into the stratosphere, to a level far higher than any other sector. Now, JPMorgan Chase & Co.  (NYSE: JPM ) has issued a report suggesting that investment-banking returns on capital will be sharply down over the next few years. Perhaps this will be only a moderate downturn. [more...]

Date: 2009-10-01 18:38:32

Could Goldman Sachs Share GM’s Fate?

Investment banks have gotten fat off the land since 1982, when the great U.S. bull market got its start. Their business has multiplied many-fold, and their earnings have soared into the stratosphere, to a level far higher than any other sector. Now, JPMorgan Chase & Co.  (NYSE: JPM ) has issued a report suggesting that investment-banking returns on capital will be sharply down over the next few years. Perhaps this will be only a moderate downturn. [more...]

Date: 2009-10-01 18:38:32

The Battle Continues

The rally may end any day, but it didn’t end yesterday. Stocks rose 127 points, as measured by the Dow. Oil closed at $66. Gold rose $2.50. We said we were doing some serious thinking this week. Maybe it is the season. But more and more, our thoughts become grayer. Less black. Less white. Less hard. Less soft. A few years ago, it looked to us as though the world financial system had gone to war. We cheerfully awaited the victory parade. We figured Mr. Market would whup the feds good and hard. [more...]

Date: 2009-09-29 18:37:13

The Battle Continues

The rally may end any day, but it didn’t end yesterday. Stocks rose 127 points, as measured by the Dow. Oil closed at $66. Gold rose $2.50. We said we were doing some serious thinking this week. Maybe it is the season. But more and more, our thoughts become grayer. Less black. Less white. Less hard. Less soft. A few years ago, it looked to us as though the world financial system had gone to war. We cheerfully awaited the victory parade. We figured Mr. Market would whup the feds good and hard. [more...]

Date: 2009-09-29 18:37:13

Buy a student car loan without any difficulty

Amazon.de Widgets Cars are becoming a necessary part of every individual’s life. Becoming owner of the car is a dream of every body whether it is office employee or business men. Even a student would want it for his personal needs. By having his own car saves lot of time in traveling and one does not have to wait to go to the place he thinks. Every possibility of getting a student car loan from the market. You must have face to face meeting with the lenders for driving away your dream car. [more...]

Date: 2009-09-29 10:14:45

PERSS ENCOUNTER WITH PM HIGHLIGHTS, DIRE NEED FOR NEW VISION FOR ETHIOPIA - By Genet Mersha

In the wake of his ‘involuntary anointment’ as chief executive of the state and the ruling party, Prime Minister Meles Zenawi has once again shifted to a high gear with a new five-year term securely under his belt. Although his decision was not unexpected, the 360 degrees shift of from the spring, winter, summer and beyond of his oft-expressed decision to quit his job as prime minister has not gone unnoticed. Owing to that, the prime minister has encumbered himself with expectations. [more...]

Date: 2009-10-01 14:45:04

Corporatism is King

by cjmac53@aol.com I wanted to follow up my post from yesterday on the FDIC with a couple of related links that I think are relevant as far as the big picture on the economy is concerned.  Alex’s comment on that post led me to do a quick search of the banks that had closed when the S&L crisis finally came to a head.  The link is to an article from the New York Times that was written in 1988, and I about fell off my chair reading some of the things that ocurred and the analysis of the [more...]

Date: 2009-10-01 09:21:00

Is Obama Fulfilling ACORN’s Agenda?

Here is a copy of ACORN’s so-called People’s Platform , via the Internet Archive’s Wayback Machine, which we first posted back on October 16, 2008 . As is noted below, this platform was updated in 1990 in Chicago, which was just two years before Mr. Obama began to work for the organization via Project Vote and as a trainer for their "power" seminars. Note how many of ACORN’s demands are being accomplished by Mr. Obama since he has assumed office. [more...]

Date: 2009-10-01 04:00:00

Posts about Obama Health Care Failure as of October 1, 2009

Conference call: Tim Pawlenty and the Freedom First PAC - hotair.com 10/01/2009 We had an opportunity to talk with Minnesota Governor Tim Pawlenty to discuss the launch of his Freedom First PAC.  Pawlenty says that he’s worried that freedom is being corroded by a “tyranny of a creeping bureaucracy.”  Pawlenty wants to re-elevate the principles of freedom and liberty, including an effort to educate people on their value and to impact current policy.  Pawlenty plans a particular effort to [more...]

Date: 2009-10-01 12:59:05

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