Following Grueling Financial Times You Can Re-establish Your Credit

September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]

Date: 2009-09-29 17:00:00

Blog posts (171) | Videos (72)
 

Bad Credit Unsecured Personal Loans: Feasible Monetary Aid Without Hassles

Getting approval for your loan application form will not be that easy if you are having bad credit problems ... , bank statements along with your past credit report. Once your credibility is established ... . But then, there are still some lenders, who cater to your specific needs and for the same are offering bad credit [more...]

Date: 2008-11-18 03:34:33

Headlines, snapshots and misc. stories of interest

Here are recent stories of interest from around the web. Click on the hotlinked headlines to read more ... interaction.” The Credit Union Brand: What Is It Good For? This Filene report is yet another ... that has a branding problem. Filene’s report shows that most individual credit unions lack any kind of real [more...]

Date: 2009-01-16 15:34:41

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

It is soooo coold.. brr. Post Roundup

YEAH! Its melting Creative Commons License photo credit: *Micky The past few days have been extremely cold here in Minnesota, ... With Good Ones Time To Chck Your Annual Credit Report! Problems with Gift Receipts? Debt? What Debt? Mortgage Refinance Rates Continue to Fall The New Frugal Forum @ frugalhacks.com Free Advice [more...]

Date: 2009-01-14 16:21:15

Protecting Yourself from Identity Theft

Are you being paranoid? Some people consider being paranoid is normal if they deal with anything that involves the share of ... to obtain credit. All causing reputation damage, and most cause financial problems for the victims ... your identity is linked to your credit report - when identity thieves apply for a credit (and of course [more...]

Date: 2008-10-30 03:47:28

Target 800 – Credit Score (pfblogs.org)

Because of an identity theft incident, I subscribe to Equifax's credit monitoring services. While reviewing my credit report for any problem entries, I noticed Equifax is offering Scorewatch free for 30 days. Well – I haven't hit my target of 800, but things aren't bad. Has anyone made [more...]

Date: 2008-08-31 02:04:17

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

Credit Problems?

Have you ever really sat back and thought about what happens in the back round while you go on with your life ... you live it. One of the those items that constantly over shadows you is your credit report. Good, bad ... ! Did you know that 25% of Americans contain errors on their credit report that are serious enough [more...]

Date: 2008-12-02 03:50:00

Credit Crisis Report 10/12/2008 Problems Deepen (MS)(RBS)(HBO)(FNM)(FRE)(GM)(F)

The IMF said that the world banking system faces of meltdown if governments does not take immediate action to support that largest banks ... . Bloomberg reports that Fannie Mae (FNM) and Freddie Mac (FRE) began notifying bond traders ... credit derivatives linked to Lehman Brothers are likely to be higher than anticipated after auctions [more...]

Date: 2008-10-12 11:41:21

Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: ... wouldn’t have any problem if my credit card company did things like this. And even the FTC itself doesn’ ... reducing credit limits for people who use a variety of services. These services included, “Direct [more...]

Date: 2008-06-23 16:12:59

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

Credit Card Horror

The availability of credit for anyone no matter their credit history has caused many financial problems for consumers ... card companies report that at least 20% of consumers have maxed out credit cards ... specific sales pitch or ad. If you have a good credit score, (630 or above), you can usually [more...]

Date: 2009-01-16 23:12:15

Internet Identity Theft: How to Stay Safe

Identity theft is an issue that we all need to take seriously ... out. Another way to prevent identity theft is by monitoring your credit report. Keep an eye ... will have no problem accessing your personal information. He can use it to ruin your credit rating, which [more...]

Date: 2009-01-04 16:50:25

Police refuse to release DNA report

I have to give the Baltimore Police Department credit for great timing ... , they decide that a report detailing problems in the department's DNA lab, which have already led ... is exempt under the Maryland Public Information Act citing a provision that says certain documents [more...]

Date: 2009-01-09 12:06:58

Timeline for Negative Credit History

Commercials that advertise ways to obtain a free credit report often emphasize the importance of doing so because of the serious problems you can run into because of having a negative credit history. A person with a negative credit history will have an impaired ability to borrow money, get a good interest rate, and sometimes even get a good job. [more...]

Date: 2009-01-01 08:19:32

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

10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree

Someone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem ... card accounts, and make sure to keep a copy of your credit cards and the toll free contact numbers ... your credit report once a year from each of the three credit bureaus to make sure [more...]

Date: 2009-01-05 08:56:49

The Continuing Agony Of Identity THeft

by Darren Cason A person that becomes a victim of identity theft is a victim for life ... for up to three months on a credit report, but this achieves little - nothing is removed ... the problem to the police. Their reaction was to ask a few questions and give me a report number [more...]

Date: 2008-12-31 17:26:57

How to Fix Bad Credit and Reduce Stress

All of us have made financial mistakes at one point or another; after all, we are only human. However, the trick here is to not live with the problems that come along when you have bad credit any longer than necessary.All information, regardless if it is good or bad, will stay on your credit report ... [more...]

Date: 2009-09-27 19:17:09

Highlights and Lowlights of BofA’s Earnings Call

Bank of America moved its earnings announcement up to this morning to soothe investors after The Wall Street Journal’s report that BofA would need ... and $27 billion in credit costs. Many of the problems originated at Merrill Lynch, which had a loss ... Goldman Sachs research analysts noted wryly in a research report this morning. BofA CEO Ken Lewis [more...]

Date: 2009-01-16 16:01:30

Ukraine Wobbles As The Financial Ground Beneath It Trembles

The medium-term outlook (for Ukraine) is sensitive to both external developments and policy responses ... 2006 Article IV Consultation Staff Report (February 2007) Ukraine’s economy is in trouble ... market and credit crunchg problems at this point in time (but here, of course, there is no strength [more...]

Date: 2008-10-12 12:15:13

ChexSystems: A Fast Route To Trouble

ChexSystems: A Fast Route To Trouble Not everyone has heard about ChexSystems and, ... , that can be a problem. ChexSystems is a consumer reporting agency, just like Experian, Equifax and TransUnion. Those three are better known, because they report on your credit history and score [more...]

Date: 2008-10-30 15:39:49

How to Report Identity Theft

by Paul Wilcox Identity theft has now become a major problem. It grows more each year and can nearly destroy people in the process ... on your reports and by informing them, you are more likely to recover from this problem with your credit still ... or even people not included here. Notify the Federal Trade Commission (FTC). You can do this via [more...]

Date: 2008-11-09 13:48:37

Which is the bigger problem real estate debt? Credit card debt?

This is one example of why our country is having problems. The following was posted on the web site bankrate.com ... , publisher of the Nilson Report, a payment industry newsletter”. Did I read that right 9.5 credit cards ... scoring model, the number of credit cards a consumer holds is not a factor in the calculation, even [more...]

Date: 2008-10-13 14:55:26

Home Equity ID Theft Ring Points to a Bigger Problem

On Monday, Federal authorities informed the public of a series of arrests where identity theft was used to steal the equity out of homes ... used even contained credit applications, credit reports, and the victims' signatures, according [more...]

Date: 2008-11-28 17:23:00

Credit Craze

Credit Craze Credit Craze, Part 1 Roger Lehman of Merrill Lynch is out with a report on problems at a Merrill Lynch commercial mortgage ... that put it all together and syndicated property ownership to individuals via what are called “tenant ... .) Credit Craze, Part 2 Following are excerpts from a Bloomberg article today by Chris Bourke [more...]

Date: 2008-11-21 18:53:18

Where There's Smoke ...

It's an ordinary part of day-to-day life now, so much so that most people probably don't give it much thought, ... surgeon general, Dr. Luther Leonidas Terry (pictured at left), published a report that cautioned ... health problems is a moral shortcoming.But Dr. Terry, who died in 1985, deserves credit for being [more...]

Date: 2009-01-11 15:33:00

Four at Four: Looking for Cash

Whatever remaining euphoria that existed on expectations for the passage of a mighty bailout package that will cure all bad debts and even ... s not ideal.” Business as usual means looking forward to the jobs report due out in the morning, the lackluster demand for consumer goods, and ongoing credit problems that have reduced borrowing [more...]

Date: 2008-10-02 11:40:00

The Community Report

We hope you are enjoying the new year! As we mentioned in our last update, The M & M Team has made some changes ... some changes) we have elected to upgrade our Community Report. This system will periodically send ... s market may be challenging, particularly for those with credit problems or little saved to put toward [more...]

Date: 2009-01-16 22:42:10

Four at Four: Half Empty?

Annelena Lobb reports: All three major stock indexes fell Wednesday, though not as badly as they did Tuesday. Stocks declined on fear of more credit-related problems emerging, a rally in crude-oil prices ... , after a inventory report showed a draw in gasoline stocks more than three times as large [more...]

Date: 2008-08-13 11:32:00

How to Keep Criminals away from Your Personal Information

by Michael Benifez Identity theft is becoming the fastest growing crime problem in the United States, ... and using the names, addresses, bank account information, credit card numbers, and Social Security ... when an insider, like an employee or a contractor, gets hold of credit reporting information [more...]

Date: 2008-08-10 20:49:04

What’s the deal?

The Pubs are already obstructing the stumulus bill, which ‘Bama was hoping to put in place immediately; ... our way out of it — the ‘liquid’ money that was to calm the credit problems hasn’t really ... Khanna, Matt Corley, Benjamin Armbruster, Ali Frick, and Ryan Powers, The Progress Report January [more...]

Date: 2009-01-05 21:09:51

Consumer Headaches: 15 ways to get help

My two-month-long fight with Qwest, which barring a stroke of luck will no doubt go on a lot longer, ... serious problems that might damage your credit rating or cost you big bucks requires you to roll ... and all sorts of enlightening reports will come up. This is where I learned that Qwest had pulled the “let [more...]

Date: 2008-10-26 02:56:28

Right Under Our Noses: Financial Weapons of Mass Destruction & A Modernized Regulatory Structure...

THE PROBLEMS: Part I “At the heart of this credit crunch mess is something called "derivatives ... financial markets safe and sound, and manipulating accounting rules, credit ratings and financial reports [more...]

Date: 2008-09-23 05:19:24

IVR (Interactive Voice Response) - A Brief Explanation

IVR (interactive voice response) is a telephony technology that allows users to interact with a database through phone keypad or voice commands ... to do things like check bank balances, manage credit cards, check for store hours or locations, or order ... hours. IVR systems are also used to report non-emergency problems to cable or utility services [more...]

Date: 2009-01-17 04:48:05

A Look at LIBOR Shows Bigger Credit Problems on the Horizon

By Keith Fitz-Gerald Investment Director Money Morning/The Money Map Report More than a year ago, even before the subprime-mortgage crisis had revved itself up into the full-fledged credit... Money Morning is here to help investors profit handsomely on this seismic shift in the global economy [more...]

Date: 2008-10-15 20:28:53

Key an Eye on Your Mortgage Payments

In previous decades, when a borrower missed a payment on a mortgage, ... pressure on slow payers. Under new rules, a mortgage lender can ding your credit report every month ... as a check getting lost in the mail. Or it could be a symptom of a bigger problem like a divorce [more...]

Date: 2009-01-11 21:31:36

Credit card defaults up 54% and growing

As if we needed one more problem in the financial market ... available. A report this week from Innovest, a research firm, said banks and other credit card ... . Unfortunately it's very predictable as credit has expanded well beyond the norm in recent years [more...]

Date: 2008-10-16 09:27:01

Recession Gets Worse - The Fix Won’t Kill Ya

Recessions have a ripple effect on countries. Problems that start in one sector quickly spread to another ... and the real estate bubble, is now affecting job (the highest unemployment level in 16 years), credit ... released a report today highlighting the crisis. Here’s the key finding: Nationally, to maintain [more...]

Date: 2009-01-09 22:08:39

He Gets Credit For Candor

He Gets Credit For Candor Jennifer Rubin - 12.18.2008 - 2:56 PM Pro-business groups and conservatives aren’t the only ones, we learn from this report, who see a problem for “card check” legislation in Blago-gate: Gerald ... when the FBI linked a competing union to Gov. Rod R. Blagojevich’s effort to sell Illinois’ U.S. Senate [more...]

Date: 2008-12-18 19:56:56

10 Ways Your Identity Can Be Stolen

Who’s in your wallet? It might be more than a some dead presidents and a few bank logos ... and how.  Check your card statements and immediately report any fraud. Going Phishing - Nearly everyone has gotten an email from X bank or Y credit card claiming there’s a problem, and if you could [more...]

Date: 2009-01-14 16:04:47

Blagojevich woes to cost Illinois money

Blagojevich woes to cost Illinois money Posted December 16, 2008 1:27 PM by Frank James Many people may not know (I didn't until a few minutes ago) that Gov. Rod Blagojevich's problems could potentially cost Illinois taxpayers significant money. How so? A Bloomberg report explains: Fitch Ratings cut the credit [more...]

Date: 2008-12-17 17:28:14

Online finance flaw: Visa responds quickly to reported vulnerabilities

The American Express online flaw I discussed last week led to two interesting sidebars ... sites.To be fair, http://usa.visa.com itself appears to be sound; both Mike and I gave it a cursory ... to rehash all the problems XSS issues in major credit card company sites might cause (PCI [more...]

Date: 2008-12-23 05:56:00

Green Ink: There’s Your Energy Bill, Now Kill It

Green Ink: There’s Your Energy Bill, Now Kill It Posted by Keith Johnson ... a credit crunch for commodities speculators, forcing plenty of oil investors to unwind ... , there are some other problems with the drilling provisions. A new government report details how [more...]

Date: 2008-09-17 12:19:31

US colleges likely to feel the pinch

The estimable Chronicle of Higher Education in the US held a shindig earlier this week with Moody’s Investors Service, ... The potential impacts of the combined credit freeze and recession on some colleges and universities ... . The problem with the mess we’re in at the moment, said a Moody’s report, is that it isn’t going to go away [more...]

Date: 2008-11-14 16:44:12

Williamsburg, NY - Report Cites Problems in Elevator Where Neuman Boy Died Were Tied to Faulty Maintenance by the Building’s Landlord

70 Clymer Street (photo credit NY Times)Williamsburg, NY - The brown elevator door opened shortly before 9 a.m. and two boys on their way to school stepped inside. They were heading downstairs [more...]

Date: 2008-12-01 20:59:37

The Problem With The Housing Market In California

The Press Enterprise reports from California. “For Inland Empire Auction in San Bernardino, ... . Finally, there was the credit crunch. It has all added up to a slow summer for auto dealers ... sales manager for Merle Stone Chevrolet in Tulare. ‘Everything has dropped.’” “‘ Business [more...]

Date: 2008-09-09 21:31:47

Join the United Shareholders of America: The Icahn Plan

One of the biggest problems we face today is the egregious mismanagement and reckless incompetence of many American corporate boards which utterly ... up on my website, the Icahn Report, www.icahnreport.com. It is easy to point fingers at those ... . The credit crisis we find ourselves in is a direct manifestation of board members' lack of oversight. [more...]

Date: 2008-10-07 16:27:58

Corporate Taxation: A Piece of a Large Problem

Do taxes affect multinational decisions as to where multinationals locate for production and/or reporting purposes? ... a residual tax on foreign income, after providing a credit for foreign taxes paid on that same income [more...]

Date: 2008-09-10 20:35:35

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