Top 10 Credit Mistakes

Learning the easy steps to repairing your credit can be a big relief and get your financial life back on track. Most children are not trained in how to handle credit by their families other than with vague ... about interest rates, revolving credit and credit scores was often not taught or even understood well by most [more...]

Date: 2009-01-03 21:11:04

Blog posts (472) | Videos (48)
 

How to Dispute Credit After Bankruptcy

by Derrick A. Clayton Bankruptcy can be very harmful to your credit file, but there is a way to fix your credit report and increase your score ... the bankruptcy will be listed as either a “Charge-off” or “BK Liq Reo” on your credit report. The actual ... it was written by a human being. Look closely on your credit report for any mistake the person made [more...]

Date: 2008-11-26 13:38:13

eCommnerce Chargebacks and Remedies

According to a recent report (Oct, 2008) by CyberSource (a leading payment & risk management services company) ... with their bank or credit/debit card provider. Sometimes the consumer dispute is untrue, and their refund claim ... of fraud is not just restricted to the USD4b, but it goes beyond that figure. Another report [more...]

Date: 2009-01-06 07:09:50

FUNDAMENTALS TO REPAIRING CREDIT

by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... . There are 3 credit bureaus: Experian, Equifax, and TransUnion. You are entitled to a free report ... to break down the milestones on the way. The “credit risk” label is based on your “credit report” [more...]

Date: 2009-01-03 00:19:55

Inhofe Plays while the Boxer’s Away

It must be that time of year again. Just like last year, the Minority on the Senate Environment and Public Works (EPW) Commitee (read James Inhofe (R-Exxon)) has just released another "report" somehow proving ... about it anyway. DIGG. Let's make some things clear, we should be outraged about this report. But, [more...]

Date: 2008-12-15 00:00:10

Credit Repair For A Better Life

by Mike Carbeck Repairing your credit is never an easy thing. But, there are several things you can do to get yourself out of debt ... . If you have discrepancies in your credit report, then it is imperative that you get copies of your report and launch a dispute. If the agencies filed a false claim against your credit record, you may be able to sue [more...]

Date: 2009-01-05 21:51:25

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

Deal Or No Deal...The Buck Is A Bust

Oil Curve Steeper Than '99 Shows Possible Gain in '09Jan. 5 (Bloomberg) -- The steepest plunge in crude prices on record may be setting up oil investors for a rally this year, if history is any guide.The so-called forward curve of futures contracts traded on the New York Mercantile Exchange suggests oil will rise 28 percent to $60 [more...]

Date: 2009-01-06 01:28:00

COLD STONE CREAMERY: And That’s How Pepper Spray Swirl Became a Flavor…

  Will Cold Stone Creamery be adding Pepper Spray Swirl as a new flavor?  Or Tazerberry?  Will MACE be the newest mix-in? ... Mall. According to court records, it started with Caldwell, an employee, engaging in a dispute with an assistant manager over her instructions. The original police report said foul language in front [more...]

Date: 2008-11-21 17:45:18

How You Can Remove a Judgment from Your Credit Report

by John Cooper A judgment is also commonly referred to as a default judgment or credit card judgment. This is simply a variation of the same meaning ... to have on your credit and will cause your credit score to be lowered. Often collection agencies will try and win ... on your credit for 7 - 10 years dependent upon the state that court was held in, and [more...]

Date: 2008-12-08 21:24:09

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

Credit Repair - agency credit repair

by Daniel Fox So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? ... is: they don’t. Your creditors report information, the credit bureaus record it, and for most people ... It certainly can’t be because they don’t understand the importance of a high credit score. After [more...]

Date: 2009-01-01 13:02:28

Inhofe Plays while the Boxer’s Away

It must be that time of year again. Just like last year, the Minority on the Senate Environment and Public Works (EPW) Commitee (read James Inhofe (R-Exxon)) has just released another “report” somehow proving that the globe isn’t warming ... , we should be outraged about this report. But, perversely, Inhofe and sidekick Marc Morano merit [more...]

Date: 2008-12-14 03:53:08

I Hate Equifax

I wish I could turn my pure emotion into words on the screen to fully express my hatred for Equifax. It is pure. It is flowing. I. Hate. Equifax. Why I Hate Equifax I’ve recently reminded you to check your annual credit report ... running there has been an issue that results in us not getting her annual credit report. This doesn’ [more...]

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

Debt Validation And Collection Agencies

Under the FDCPA or the Fair Debt Collections Practices Act , you have the right to “debt validation”. This is a demand from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms of the loan and any other pertinent information is correct and accurate. A collection agency must also provide proof that they have the legal right to attempt to collect the debt. [more...]

Date: 2009-09-29 23:06:03

James Warren: The Week in Magazines: Obama the "Self-Entangling Giant" and How to Have Sex During Dinner at a Restaurant

No matter how much he might disdain the George W. Bush presidency, especially when it comes to misuse of executive branch power, Barack Obama may be a "self-entangling giant" who is going down the same perilous path argues no less an initial Obama sympathizer than journalist-historian Garry Wills in the Oct. 8 New York Review of Books . [more...]

Date: 2009-09-28 01:38:20

James Warren: The Week in Magazines: Obama the "Self-Entangling Giant" and How to Have Sex During Dinner at a Restaurant

No matter how much he might disdain the George W. Bush presidency, especially when it comes to misuse of executive branch power, Barack Obama may be a "self-entangling giant" who is going down the same perilous path argues no less an initial Obama sympathizer than journalist-historian Garry Wills in the Oct. 8 New York Review of Books . [more...]

Date: 2009-09-28 05:48:16

How Credit Scoring Works

No matter what you think of Donald Trump (or his hair style) – we can all agree that the man knows a little sumptin sumptin about money ... we all know as a credit score.    The article goes to say that there are “5 ways a person’s credit score is derived.” ... up with the credit score.  According to the article, the breakdown is as follows: 35% - [more...]

Date: 2009-01-06 14:38:42

Gates of Vienna News Feed 1/6/2009

Tuan Jim sends an string of important news articles about the gas pipeline crisis caused by the deadlock between Russia and Ukraine. He notes that the affected countries are dusting off alternative sources of energy — fuel oil and nuclear reactors — for electricity generation.Thanks to AA, Abu Elvis, C [more...]

Date: 2009-01-07 04:50:00

Does Debt Validation Actually Work?

A recent reader at Sample Debt Validation Letter questioned as to whether or not requesting debt validation would prevent a collection agency from pursuing a judgment. Since his debts were nearly past the Statute of Limitations he was hoping to prevent payment and a possible appearance in civil court [more...]

Date: 2008-12-26 04:58:06

Formerly soaring global trade suddenly comes to a halt

Technorati Tags: Baltic Dry Index,Baltic Dry Indices,Ship Chartering,Shipchartering,Voyage Fixtures,Time Charter Fixtures,Panamax,Capesize,Handymax, ... gloom, trade is being choked by the credit crunch, which is drying up routine export financing ... has been abrupt. As recently as 2006, global trade was surging at an annual rate of nearly 10%. This year [more...]

Date: 2008-12-29 13:52:00

What is a bear market rally?

As the global financial crisis plays out, Report on Business writer Richard Blackwell examines and explains the economic outlook and the turmoil in ... credit and stock markets. Here, we answer your questions daily, with the most recent at the top. bearwithpaper188 What is a “bear market rally”? A bear market rally is a significant upward [more...]

Date: 2009-01-08 11:05:51

The Truth About Credit Repair

The Truth About Credit Repair This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling ... throughout the United States that claim they can “fix” your credit reports for a fee. However, they do little and sometimes nothing in most cases to fix your credit reports. What ends up happening [more...]

Date: 2008-06-12 15:30:25

FUNDAMENTALS TO REPAIRING CREDIT

by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... your credit is a work in progress. Contact the credit bureaus in writing with a copy of the report ... Bureaus. There are 3 credit bureaus: Experian, Equifax, and TransUnion. You are entitled to a free [more...]

Date: 2009-01-03 00:20:13

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]

Date: 2009-01-15 03:41:35

Scroll For Updates: New McCain Ad: “Ayers”

Barack Obama and domestic terrorist Bill Ayers. Friends. They’ve worked together for years. But Obama tries to hide it. Why? Obama launched his political career in Ayers’ living room. Ayers and Obama ran a radical “education” foundation, together. They wrote the foundation’s by-laws, together. Obama was the foundation’s first chairman [more...]

Date: 2008-10-09 12:58:31

DrumBeat: June 22, 2008

You. Will. Not. Be. Able. To. Get. Food. - report on trends You. Will. Not. Be. Able. To. Get. Food. Need this be spelled out any more plainly? ... period is soon to be upon us -- be prepared," Bob Janjuah, a credit strategist for the Royal Bank of Scotland, wrote in a report that sent shockwaves through the global financial community. Janjuah [more...]

Date: 2008-06-22 13:52:27

DrumBeat: January 13, 2009

Analysis: Global power demand to languish in 2009 The outlook for energy commodities this year remains grim, says a new report from Merril Lynch ... management, contractor mistakes and Iraqi neglect, U.S. auditors say in a new report similar to many others examining the country's reconstruction. Released Tuesday, the report from the office [more...]

Date: 2009-01-08 01:35:34

What Can You Do if You Have Problem Fixing Your Credit Report?

Have you ever had a problem that just won’t be resolved? The endless phone calls, letters and hours of worry can really start to get to you ... it to the credit bureau. It will be added to your credit report at no charge. The law, through the Equal ... . Often, there are mistakes made on credit reports that are difficult to correct. Perhaps someone [more...]

Date: 2009-01-16 07:34:40

The Importance of GOOD Credit

by Rob Kosberg Perhaps it is time to seriously look into your personal financial situation ... not know about. Negative effects of poor credit: a. Denied car loan b. Denied employment c. Denied health, life ... . We should always be monitoring our credit because it needs to remain GOOD. However [more...]

Date: 2009-01-01 21:38:15

Time to Check Your Credit Reports

  Happy New Year!  As we start 2009, many people are making resolutions, wanting to do things better and differently than they did in the past ... to do.  To get a copy of your credit report from one, two or all three of the credit bureaus ... on credit monitoring. If you want to know your current FICO scores, you can obtain all three [more...]

Date: 2009-01-03 17:05:27

The Gaza War Continues

A collection of articles, accounts, interviews, pictures and reports I’ve seen over the last few days. Pictorial comparison first. Israeli neighborhood bomb shelter. An Israeli neighborhood bomb shelter. A Palestinian bomb shelter. A Palestinian “neighborhood bomb shelter.” Breaking News Reports: Casualties Rise in Gaza Offensive (BBC Middle East) [more...]

Date: 2009-01-05 19:19:13

Starting Over After Bankruptcy

More than likely everyone has heard the word bankruptcy . When you file for bankruptcy it may seem like the end of the world but it’s not ... is that many of the false account reports will fall right off your credit report. You definitely need to check with all the credit reporting agencies and dispute any false credit reports. If you dispute anythin [more...]

Date: 2008-11-25 03:02:53

Less Than the Sum of Their Auto Parts

Being in the auto-parts business these days has a bit of a “gerbil on a treadmill” quality to it ... Credit-default swaps of TRW (green) and American Axle (blue) have widened dramatically. (Source ... , TRW Inc.’s credit-default swaps reflect a cost of $583,000 to insure a similar amount of debt [more...]

Date: 2008-06-25 16:00:33

What should I do to prepare for background checks?

If you are applying for jobs, chances are at least one of your possible new employers will want to run an employment background check on you ... to know all the information that such a background check would turn up. If you have a criminal record ... before they do the background checks on their own. You should also have a recent copy of your credit [more...]

Date: 2009-01-05 11:15:07

Tips About Credit Repair

By Mike Carbeck Many people mistakenly believe that they only need to go through an agency, for any hope of credit repair ... in writing for a copy of your credit report (You are entitled to one free report per year) 2.) A copy ... from another agency, and are not eligible for a free yearly report, you could also receive a letter [more...]

Date: 2009-01-09 08:16:32

p2pnet World Headlines – Sept 30, 2009

Two-Thirds of Americans Object to Online Tracking New York Times About two-thirds of Americans object to online tracking by advertisers — and that number rises once they learn the different ways marketers are following their online movements, according to a new survey from professors at the University of Pennsylvania and the University of California, Berkeley. [more...]

Date: 2009-09-30 21:20:04

p2pnet World Headlines – Sept 30, 2009

Two-Thirds of Americans Object to Online Tracking New York Times About two-thirds of Americans object to online tracking by advertisers — and that number rises once they learn the different ways marketers are following their online movements, according to a new survey from professors at the University of Pennsylvania and the University of California, Berkeley. [more...]

Date: 2009-09-30 18:20:04

Resource War, Investing in Demographics, Bottom for Stocks and Gasoline, Fund Managers and More!

by Addison Wiggin & Ian Mathias Russian dispute turns into European crisis… the first days of a coming resource war? Not Russia’s only problem… Chris Mayer on a global demographic shift Enjoy $1.60 gas — it might soon be gone… the beginning of the end of the gas price crash Survey says: [more...]

Date: 2009-01-06 18:46:45

Mortgage Rates, Scary Jobs Details, Investing in 2009, Russian Gas Dispute, and More!

by Addison Wiggin & Ian Mathias Mortgage rates plunge to record lows… but are they at the bottom? ... to 2009… how to invest amid rife market manipulation If you’ve got money, credit and patience ... 1971, when Freddie Mac started keeping track. Since the peak of the credit crisis in late October [more...]

Date: 2009-01-08 01:36:29

Credit Repair After Bankruptcy

by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... will not check during an investigation, the mark will not be verified. Congress passed the Fair Credit Reporting Act and this says that the bureaus must remove any item on your report that can not be verified [more...]

Date: 2009-01-07 23:54:48

Workfare Isn’t Working

ADVOCATES INSIST TO CITY “But the city welfare agency says it’s doing as well as possible under federal welfare rules ... in helping them avoid sanctions in the first place.” A recent report by the nonprofit group ... a wall. The report suggests that the high sanction rate and poor job placement and retention rates [more...]

Date: 2009-01-06 19:21:10

The Importance of Repairing Your Credit Report - Yourself!

It seems to be common knowledge today that we are living in a society overwhelmed with debt ... to receive a free credit report every year. Americans need to become more aware of what is reported ... firms, which will charge you numerous fees to clean your credit report for you. Typical tactics [more...]

Date: 2009-01-15 01:44:04

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

Fundamentals to Repairing Credit

Fundamentals to Repairing Credit by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will ... on your “credit report” and “credit score.” Therefore, you need to know what those ... bureaus: Experian, TransUnion, and Equifax. One can get a free credit report from each every year [more...]

Date: 2009-01-09 00:28:48

Ominous Overtones For Bridal/Tuxedo Business?

Comments from a former Israeli Ambassador to a Muslim nation in that region. This was e mailed by the Ambassador to my friend who is also a fellow memo reader and friend of the ambassador. The Ambassador lays out a simple case why Hamas is a threat to all nations in the region and why there must be a change in Hamas' ability to rule [more...]

Date: 2009-01-04 17:40:00

Supreme Judicial Court says no new trial for Charlestown 99 murderers

The Supreme Judicial Court today rejected an attempt by Anthony Clemente and his son Damian to get new trials for killing four mobsters in the Charlestown 99 back in 1995. The two argued they should get new trials in part because of a ruling - handed down after their convictions - that would have let them show the jury just what sort of SOBs the [more...]

Date: 2008-09-05 12:17:37

11 July SWJ News, Op-Ed, and Events Roundup

IRAQ Turks Visit, Regional Warming Trend - Tavernese and Robertson, New York Times Turkey’s prime minister visited Baghdad on Thursday, only the second foreign head of a neighboring state to visit Iraq since the American invasion. The visit of Prime Minister Recep Tayyip Erdogan came during a flurry of announcements from Arab countries - including [more...]

Date: 2008-07-11 00:34:15

CREDIT REPAIR ESSENTIALS

by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... the problem. The “credit risk” label is based on your “credit report” and “credit score.” Therefore ... will be the source of this information. There are 3 credit bureaus: Experian, TransUnion, and [more...]

Date: 2009-01-03 00:49:31

Committed to Keeping the Internet a Safe Place

Committed to Keeping the Internet a Safe Place Posted by Adam Palmer under .ORG Community, Domain Names, Internet, Policy, Security 1 Comment ... . If PIR receives a report from law enforcement regarding confirmed child pornography hosted on a .ORG ... .ORG, The Public Interest Registry (PIR) is committed to providing a model for exemplary Registry [more...]

Date: 2009-01-09 16:13:59

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