Liens

If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

Blog posts (146) | Videos (42)
 

Customer Data Stolen From Express Scripts

If your health insurance was through Uniform Medical Plan at any point between 2004 and 2007, it’s time to get a copy of your credit report and put a temporary fraud alert on your credit file ... below the fold). Even if you aren’t affected by this, it’s a good idea to check your credit report [more...]

Date: 2008-12-07 20:56:29

Priceless

More than half of the whopping $426.9 million Barack Obama has raised has come from small donors whose names the Obama campaign won't disclose ... credited back to a credit card. But the most recent report, filed on Sept. 20, showed a net cumulative ... of $25 donations from a contributor identified as “Will, Good” from Austin, Texas. Mr. Good [more...]

Date: 2008-11-02 17:50:35

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

Bombshell: Obama Neck Deep in Breaking Campaign Finance Scandal

This is a bona fide bombshell. Obama loves to say that 90% (or whatever the phony made-up figure is) of his donors contributed less than $200? ... Will were credited back to a credit card. But the most recent report, filed on Sept. 20, showed a net ... is named Good Will. Mr. Will is from Texas. And we are just getting warmed up. From Newsmax. Read [more...]

Date: 2008-10-01 20:34:24

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

Time To Ask A Lot Of Questions About Obama’s Unreported Campaign Donations

Allahpundit is reporting: Via Andy McCarthy, who sets an example I’ll follow by keeping his own commentary short to get you to read the whole thing: ... back to a credit card. But the most recent report, filed on Sept. 20, showed a net cumulative balance ... donations from a contributor identified as “Will, Good” from Austin, Texas. Mr. Good Will listed [more...]

Date: 2008-10-02 01:24:13

Judgements

A judgment is filed by a lawyer basically suing you for the money owed to the creditor ... , a judgment is a public record on your credit report. How we can help you CreditLawGroup.com provides low ... on credit reports from the three major credit bureaus, Equifax® Experian® and TransUnion [more...]

Date: 2009-01-04 01:00:14

Can Other People Lower My Credit Score?

by Jim Bransby Your personal finances are really tied up with your credit score ... . The good news is that there are many actions you can take to limit the damage to your annual credit report. Credit bureaus keep a lot of information on file, and this information is summarized [more...]

Date: 2008-08-22 13:13:29

Don’t Be Tempted by File Segregation Schemes

Sometimes, credit problems can seem insurmountable ... . Clinics who claim to be able to create a brand new credit identity and a brand new credit report ... and it is not just the credit repair clinic that is breaking the law. It is also illegal for you to obtain an EIN under false [more...]

Date: 2008-11-26 22:56:29

How long does credit repair take?

Filed under: DebtWe've been getting a lot of desperate comments from people who are seeing their credit destroyed as their personal financial lives ... will it take to get a clean credit record? Most of the negatives on your credit report will drop off after ... facing major drops in their credit scores and not able to get new credit in the tight market [more...]

Date: 2008-11-03 21:30:00

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

He Doesn’t Know When to Fold ‘Em

He Doesn’t Know When to Fold ‘Em If this CREW complaint is right, we can credit Johnny for being consistent about one thing, at least; ... . Federal law and Senate rules require all income to be reported on annual financial disclosure reports ... , are gifts that must be reported as income. Knowingly filing a false report is a crime punishable [more...]

Date: 2008-10-10 15:02:48

Why Buyers Should Adopt the Scout Motto

       Be Prepared! Buyers, especially first time home buyers, need to adopt the scout’s motto ... a full credit report and did not send your file to their underwriter for approval. If you are really ... .  Follow their advice.  Many of today’s buyers need to clean up their credit scores in order to obtain [more...]

Date: 2008-07-02 17:47:16

Obama's New School Chief Supported Creating Gay High School in Chicago

**UPDATE** Duncan also tied to Chicago Annenberg Challenge organization employing terrorist William Ayers So, ... quality. So, there is another unsavory aspect of Duncan's connections. Will the media report it? (Photo credit: An AP file photo courtesy of the Cleveland [more...]

Date: 2008-12-16 15:26:58

Update on Fraud

Last month/year I reported on a fraudulent scheme to separate $0.25 from me. Today I got a link to a news item about said fraud. News is slow here ... I closed it, got my money back too, and reported it to the three credit bureaus, stuff to do first ... . But they have two very useful links. Instead, file a dispute with your credit card company [more...]

Date: 2009-01-14 17:49:24

Why Phone Conversations with Bill Collectors is a Bad Idea

A highly trained bill collector knows how to get the most money out of defaulted debtors ... of how I wanted this reflected on my credit report. They would then have to agree with those terms ... . While you are nervously thinking of what to say they are taking notes… updating your credit file [more...]

Date: 2009-01-08 02:36:42

Eleven?

That's the number of questions Caroline Kennedy has answered in her pursuit to secure Hillary Clinton's seat, ... for election to the Senate, Ms. Kennedy would have to file a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages, book deals and the sources of any payments [more...]

Date: 2008-12-23 17:17:00

Obama’s New School Chief Supported Creating Gay High School in Chicago

-By Warner Todd Huston So, how often do you think that the Old Media will mention that Barack Obama’s choice for Secretary of Education, ... unsavory aspect of Duncan’s connections. Will the media report it? (Photo credit: An AP file photo [more...]

Date: 2008-12-16 15:31:45

Tell Us Something We Don't Know: Consumers Deeper In Debt

From the "not news" file comes a report from credit rating firm, Equifax, that consumers are falling more deeply into debt. According to Reuters, Dann Adams,... This is a content summary only [more...]

Date: 2008-12-23 20:47:24

Selling Problems On Ebay And Their Solutions

eBay provides internet users with an online flea market where buyers and sellers from around the world meet to conduct trade ... , they will receive a Final Value Fee credit and a relist credit. Filing an Unpaid Item dispute is the first step toward eBay reimbursing those fees. One can report an unpaid item up to 45 days after [more...]

Date: 2009-01-08 20:10:41

HSBC are thugs (sorry “partners”)

HSBC has gotten a little aggro lately – an analyst dispute widely reported in the FT and other places ... be found here and here amongst dozens of consumer rip-off reports on the web.Bally managed to report ... but they included penalties as per credit cards.  Obviously collection was a problem.  Bally filed [more...]

Date: 2009-01-15 23:27:00

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

Princess Caroline Declines To Reveal Info About Personal Finances

The Caroline Kennedy for Senate story gets more and more interesting ... . Kennedy would have to file a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages, book deals and the sources of any payments greater than $5,000 [more...]

Date: 2008-12-23 15:38:33

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

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

William White: "The facts are so obvious"

Caroline Baum at Bloomberg files this report on the glaring common sense deficiency regarding the destructive nature of asset bubbles that seems to ... and in the 1990s in Southeast Asia.” All these extended credit cycles ended badly. The U.S. economy ... the years, his name gracing these pages on at least three occasions, for some reason always in June [more...]

Date: 2008-12-11 14:49:02

Did Obama Get a “Sweetheart” Mortgage Deal?

Did Obama Get a “Sweetheart” Mortgage Deal? July 10th, 2008 by JAZZ SHAW As reported by The Hill, ... Obama’s home mortgage. Judicial Watch, a conservative legal watchdog group, filed the report after ... such as competitors’ rates, how much of a down payment you make, your credit history, income, and a variety [more...]

Date: 2008-07-10 10:54:54

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

Syaed Ali: The Legal Papers

After the jump you can read the text of the notice of complaint Syaed Ali’s lawyers filed on December 10. But before you do: I like to give credit to the Buffalo News when a story therein inspires ... Ali case: His piece inspired me to be aggravated again that News reporters never credit other news [more...]

Date: 2009-01-16 14:14:23

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

Despite getting details, FTC says ‘file a complaint’

Apparently few --- if any --- of the 950 employees at the Federal Trade Commission listen to radio, feels Grumpy Editor ... to:          Debt collectors or debit collection practices.          Credit reports ... the hypoed-blabber tag. Going to the FTC --- the nation’s consumer protection arm --- for their take [more...]

Date: 2008-09-23 13:14:48

Progress Report #18

Happy New Years Day and a special welcome to readers visiting from FB's blog :)I am really excited about the start of 2009! But first the progress report for December...The Last Credit Card Ever: $21000 Mortgage ... of 'the last credit card ever' later this month.January To Do List set up new office & move all files from home [more...]

Date: 2008-12-31 18:47:00

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

Tales of the Financial Crisis: KKR?s Next Fund Big, but Not Gigantic

Keenan Skelly and Laura Kreutzer, of LBO Wire, file this report on the private-equity fund-raising scene ... . It was 60% invested as of June 30, according to data from longtime investor Washington State Investment ... buyout firms, it has been having trouble dealing with the credit crunch and has had to mark down [more...]

Date: 2008-11-24 21:49:54

Researching Real Estate - Austin, Tx

Researching Real Estate - Austin, Tx Filed under: Anything Goes When researching property in the area, ... . For a foreign national to be eligible, they need to present an International Credit Report, copies ... map search facility for different kinds of Austin, Texas real estate. Sellers can list [more...]

Date: 2008-12-06 19:39:33

Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus

Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... t be from the following 8 States: Idaho, Indiana, Iowa, Maine, Nebraska, North Carolina, North Dakota ... in the past 12 months, * no more than 10 inquiries on your credit report in the last 6 months [more...]

Date: 2008-12-14 14:30:58

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

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

Footnotes to the First Debate

Guest post by DRJ The AP’s Liz Sidoti filed this report on the first debate and here is the section I noticed (emphasis supplied) ... that would reflect credit on the entire Senate and offer the country a better example of political [more...]

Date: 2008-09-27 07:22:13

Stock Market Dictionary - E

EFifth letter of a Nasdaq stock symbol specifying that an issue has not met the reporting date for the company's SEC regulatory filing requirements ... Before TaxesECThe two-character ISO 3166 country code for ECUADOR.ECASee: Export Credit AgencyEDCSee: Export Development Corp.ECGDSee: Export Credit Guarantee DepartmentECNElectronic Communications [more...]

Date: 2009-01-02 16:36:00

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

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

Obama Alters Tax Plan to Rebut McCain

ABC News' Teddy Davis, Hope Ditto, Arnab Datta, and Ferdous Alfaruque Report: Facing criticism from John McCain that his tax plan constitutes " ... ." Goolsbee discussed the change to Obama's universal mortgage credit while debating McCain adviser ... universal mortgage credit is to aid taxpayers who do not itemize when filing taxes. The Obama [more...]

Date: 2008-10-22 01:21:50

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

Daily Market Preview (1/15/09)

1. Foreclosure is 81% more last year Foreclosure filings increased more than 81% last year compared with 2007 and 225% compared with 2006, according to a report from RealtyTrac. More than 861,000 homeowners lost their houses ... before the credit crisis, many were concerned that the business model would not work. As Citi [more...]

Date: 2009-01-15 19:16:28

Top Stock Picks '09: First Banks (FBS.A)

Filed under: Newsletters, Stocks to Buy, Financial Crisis, Best Stocks for 2009 This post is part of a special annual report -- Top Stock Picks '09 ... A (NYSE: FBS-A). "The major response to the credit and market bubble's popping is of course the Troubled [more...]

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

Unknown Caller calling from 949-378-1849 (Irvine, CA)

Jacob reported a Unknown Caller (9493781849 from Irvine area, CA) . The following comments were posted: Received a text message that says "Is your credit card debt $10,000 or more? Our debt relief program can lower your payments immediately. May we please give you a call?" Spammers are now openly hitting the cell phones? Where can I file an official complaint?? Permalink: http://www.numberinvestigator.com/phone/949-378-1849.html [more...]

Date: 2009-10-01 23:19:11

UPDATED: File under 'opposition opportunism' and 'total lack of principle': NDP and Bloc were already in talks to form coalition

CTV is reporting on previous coalition talks between Layton's New Democrats and Duceppe's Bloc Quebecois: ... Ottawa Bureau Chief Robert Fife. Layton held a telephone-conference meeting with his caucus ... to take credit for the possibility of a coalition. "Let's just say we have strategies. This whole [more...]

Date: 2008-11-30 22:32:11

Keep Watch For The Missing Quarter

How secure is yours? How secure is yours? HARRISBURG PA - Internet chat rooms are filling with complaints from credit card customers nationwide ... business with. The company, Adele Services of Melville NY, doesn’t exist, according to a report Sunday ... , however, that as a general rule credit card holders should review their statements every month [more...]

Date: 2009-01-16 10:40:26

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