Repossessed Car Owners Shocked After Being Sued By Car Lenders

The latest in reality shows is Operation Repo, a team of “highly paid professionals” in the San Fernando Valley of California who repossess ... $2000. According to the Fair Credit Reporting Act, an auto loan deficiency debt can remain on a credit report for seven years. States have different statutes dealing with the amount of time [more...]

Date: 2008-12-29 15:51:27

Blog posts (584) | Videos (60)
 

Conducting Pre-employment Background Checks

With the infinite amounts of information being passed on the Internet today, ... records, credit records and many more. Under the Fair Credit Reporting Act (FCRA), some background check ... credit card frauds are happening in the information superhighway at an alarming rate. Though a lot [more...]

Date: 2009-01-16 18:24:08

4 Free Reports With Your Personal Insurance, Employment, and Tenant History

Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) ... of information contained in private corporate databases. But in addition to credit information ... report free every rolling 12-month period. Insurance Claims History If you would [more...]

Date: 2008-06-04 11:08:42

Learn To Build and Manage Your Credit, While You’re Young

Everyone tells you that these are the best years of your life ... credit bureaus—Experian, TransUnion, Equifax. Your financial activities dictate your FICO (Fair Isaac ... established credit. Bounced checks mess up your credit report, so use that check-writing feature wisely [more...]

Date: 2008-08-16 03:56:51

5 Credit Questions with Fair Isaac’s Barry Paperno

Following my guest post on my good friend JD’s Get Rich Slowly about How to Prepare for Buying a Home, ... it needs to be — particularly if errors on the credit report ... , otherwise known as your credit score, which is probably one of the the most important numbers you need [more...]

Date: 2008-09-23 16:11:34

New credit score system ready for ‘09

By next spring, two of three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit ... points because of how the new model fine-tunes the variables it uses to evaluate consumers’ credit use [more...]

Date: 2008-12-15 15:07:34

Data Mining and Credit Profiling: How Lenders Lure You to Borrow

Although responsibility for every penny of debt ultimately rests with the borrower, ... the Fair Credit Reporting Act. But Equifax and its rivals started offering new sets of unregulated [more...]

Date: 2008-10-28 12:00:54

Things I’d Like to Post About Today …. (112108)

….. But I Don’t Have Any Time For: CNS News — “Catholics Who Vote for Freedom of Choice Act (FOCA) ... pct (of) jobs in ‘09.” Absent a sea change to fair, balanced, competent reporting, I support nine ... yet another reference to “choked credit” in the AP article I linked to in my “Couldn’t Help [more...]

Date: 2008-11-21 13:39:41

Poll: 11 percent say Bush will be remembered as above average president

The news comes the latest poll from the Pew Research Center ... at least a fair amount of credit for preventing more terror attacks." The report provides a fairly ... . A bright spot for Bush: "In the final year of his presidency, even as his approval rating [more...]

Date: 2008-12-19 21:57:25

A Child’s Chances of Success in Life Still Depend on Family Income

A child’s chances of success in life still depend on family income, according to new research ... schools. Mr Clegg said: “This expert analysis shatters the idea that Britain in 2009 is a free and fair society. “Martin Narey and his colleagues deserve enormous credit for a report that cannot [more...]

Date: 2009-01-14 09:30:22

There are two conditions that must be met

by Rem The term ‘real estate short sale’ is being bandied about more and more as of late ... a foreclosure on the credit report. On the other hand, a truly savvy investor can take advantage ... are experiencing what is fair to call a market meltdown. It is because the market is so inhospitable [more...]

Date: 2009-01-07 21:25:24

How to Hide Debt with Pension Accounting

Pensions involve promises made to employees that if they work for the company over some minimum period of time, ... terms, and it should report the fair value of the assets held in the pension plan. Among other things ... the firm properly and accurately. Pension accounting takes credit for being one of the most difficult [more...]

Date: 2009-01-14 06:38:47

Amy Winehouse is a terrorist target

90107x4_winehouse_a_b-gr_01 In February’s Vanity Fair, ... of this terrible report, but do the terrorists know they’re targeting someone who is already intent on killing herself? Amy Winehouse is shown on vacation on 1/7/08 (photos without the rugby guy; credit [more...]

Date: 2009-01-09 20:42:20

Karl Rove has nice things to say about whom? (His initials are B.O.)

John McCain, of course. But also Barack Obama. The GOP political strategist and Fox News commentator who guided George W ... have more to report on Rove's remarks. -- Leslie Hoffecker Photo credit: Getty Images ... . Bush into two terms in the Te Karl Rove offers a fair and balanced assessment of Barack Obama's [more...]

Date: 2008-07-28 05:00:35

If you rattle the begging bowl do it with dignity

From the FT’s report on the implications of devolving policing and justice ... . We are not prepared to put up the money.” No doubt there’s a proper financial case to be made. Fair enough ... for normal behaviour. To give them credit Peter Robinson, Martin McGuinness and Nigel Dodds adopt [more...]

Date: 2008-11-21 17:04:38

If It Stops Moving, Subsidize It

Naturally, now that government plans to intervene in the economy with a massive stimulus package, everyone wants their “fair” share. Robert D ... that wouldn’t be there otherwise.  A new report by the Information Technology and Innovation ... grid. And a Silicon Valley petition calls for a tax credit for companies that spend more than 80 [more...]

Date: 2009-01-06 03:15:11

AUDIO: Frank Beckmann hosts Michigan Messenger

Give the conservative talk show host Frank Beckmann credit for having Michigan Messenger on the air Tuesday to discuss reporter Eartha Melzer’s report on Republican Party plans to use foreclosure lists in challenging voters on Election Day. We may often disagree with WJR-Detroit’s local morning radio host but he held a feisty but fair [more...]

Date: 2008-09-18 18:11:19

Palin’s $2,500 jacket

Last week the Frock Report told us about Cindy McCain’s Republican convention outfit.  Vanity Fair calculated that the outfit cost  $300,000 ... or that she is paying for expensive clothes this early on in the campaign.” Picture credit: AP [more...]

Date: 2008-09-17 14:06:43

Bee beauty contest from the land of milk and honey

There are cat shows and dog shows, even ferret shows. And during county fair season, there are plenty of chances to pick the best pig, cow or rabbit ... , Babylon & Beyond, comes a report about such a competition held at a boutique honey farm ... contestants. -- Steve Padilla Photo credit: Dvorat Ha'Tavor [more...]

Date: 2008-09-09 20:37:47

Greenlight Capital Re: Strong Downside Protection Due to Einhorn's Skill

INVESTMENT THESIS — STRONG DOWNSIDE PROTECTION An investment in Greenlight Capital Re (GLRE) ... fair value at $18-24 per share, based on the analysis presented in this report. 39-year-old David ... the bursting of the Internet bubble in 2001-02 and the ongoing U.S. credit contraction and recession. Also [more...]

Date: 2009-01-04 09:40:38

RSS Usage is Much Higher than 11%

I just caught the writeup Steve Rubel did on a recent Forrester report on consumer adoption of RSS. Steve (based off the Forrester report) ... interested, so if you accept the premise of the survey, then RSS usership has a fair amount of growth ... and there are far more users in the mainstream who utilize RSS on a daily basis than the survey gives credit [more...]

Date: 2008-10-21 05:04:53

Senate 'Bailout' Opens Door to Ending 'Fair Value' Accounting

Among the 451 pages of provisions contained in the Senate-approved Emergency Economic Stabilization Bill of 2008, which the House will debate today, ... , which allow companies and financial institutions to report the value of their assets on the price ... that have no market value have worsened the credit crisis, and changing them has been a priority for [more...]

Date: 2008-10-02 20:00:00

Unknown annoying caller calling from 925-429-5083 (Concord, CA)

Frog88 reported a Unknown annoying caller (9254295083 from Concord area, CA) . The following comments were posted: Three calls today on my cell phone. No message, no ID. When concatenating all the complaints, it seems that these people sometimes "Hallmark TravelPulaski Tickets", another times a "Credit Repair Bureau", yet another a "Refinance Broker") are using the phone numbers "farmed" at the Alameda County Fair in Pleasanton in May 2009. I whish they would stop calling even after 6 months. [more...]

Date: 2009-10-01 20:20:09

McCain, Machiavelli -- spoke too soon edition

A reader provides an apparently authoritative report from The Hill that Phil Gramm has now stepped down as co-chair of the McCain campaign ... campaign appeared to credit. This reminds us never to rely on information from Robert Novak. If may ... , don't expect McCain's economic policies to get any more fair or more sensible. [more...]

Date: 2008-07-19 01:02:38

Getting Naked

Just wanted to make sure you were paying attention because this is an important topic. What’s the likelihood that public companies are being destroyed by millions of shares of stock that don’t exist? Today, the SEC held a hearing about short-selling, which is essentially betting that a company’s shares are overvalued. Georgetown finance professor James Angel explained the benefits on the Marketplace Morning Report : AMY SCOTT: Angel says short-sellers provide a service. [more...]

Date: 2009-09-30 19:21:56

Açaí: Examining the Environmental Impact and Worker’s Conditions

Photo credit: iateapie It’s amazing to see just how much power some celebrities hold over the masses. They can create the latest trends and sway public opinion with just a few sentences. In the case of Oprah and her sidekick Dr. Oz, turning açaí berries from a Brazilian food into a household name was simple. Background Information Açaí (pronounced ah-sah-ee) berries are the small, dark purple fruit of a type of palm tree that grows primarily in the Brazilian rain forest. [more...]

Date: 2009-09-29 20:40:42

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

At Webb's Junta Love-In, Cont.

Credit to Kurt Campbell. At today's Burma hearing he acknowledged that State has handled the Burma policy review very poorly. Last Friday, two senior state officials briefing Hill staff on the results ran into a buzz saw of complaints over the process State used in rolling out their review. The policy was disclosed to foreign governments in New York by Secretary Clinton before anyone on the Hill had a hint as to what was going on. [more...]

Date: 2009-09-30 22:30:51

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

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

Restoring Your credit Status

by Bob Jones A crucial aspect in maintaining a high credit status is in point of fact the contents of your credit report. The credit report is very much the history of your monetary life, contained in a comprehensive document. The credit report details the credit score, which is a numeric grade typically between 300 and 850. Most lenders use the credit score to help them make their mind up whether you are worthy of credit. Furthermore, the score is also used to conclude your capability of paying a loan. [more...]

Date: 2009-09-29 08:16:24

Restore Your FICO Score – Part Three

In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other ways that you can quickly see a big jump in your score. After you have the collections on your account either settled or verified, double check to make sure that they were removed from your credit report. [more...]

Date: 2009-09-30 00:20:38

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

Cautious Home Buyer Wants To Rent With An Option To Buy

O ne of the more popular blog posts that our readers have enjoyed is called “ What Sellers Should Know About Lease Purchase Agreements ” and it was posted back in March of this year. The reason that I wrote the article about alternative home selling processes is that I suspected that market conditions and the glut of homes would require different solutions in the coming years. Those times are definitely upon us. [more...]

Date: 2009-09-29 11:49:33

Recent Tweets from the BARN

CLICK HEREto hear parts of these stories inside theBARN’s Morning Ag News with NAFB Broadcaster Brian AllmerNational Ag News for October 1, 2009Sponsored by the American Farm Bureau Federation“September Pork Loses Climb”U.S. hog producers lost around 46-dollars per hog during September. According to experts at Iowa State University, that’s the largest per animal loss in the string of monthly losses that have now gone on for two years. [more...]

Date: 2009-10-01 11:45:02

Text of Kerry-Boxer Clean Energy Jobs and American Power Act, The Senate's Cap-and-Trade Climate Legislation

A SUMMARY OF THE CLEAN ENERGY JOBS AND AMERICAN POWER ACT AS INTRODUCED September 30, 2009 SECTION 1 . SHORT TITLE ; TABLE OF CONTENTS . This Act may be cited as the “Clean Energy Jobs and American Power Act”. Sections 2. Findings. Describes the impacts of climate change and the benefits of transitioning to a clean energy economy. Section 3. Economywide Emission Reduction Goals. Establishes targets for reducing global warming pollution. Section 4. Definitions. [more...]

Date: 2009-10-01 12:11:00

Obtaining Your Own Personal Instant Approval Credit Card

by Chris Channing The idea of an instant credit card doesn’t seem so safe at first glance. After all, there is plenty of debt in the world, and much skepticism for new financial ventures that comes with it. Instant credit cards are offers in which can tell you if you are approved in seconds- and are lenient on who may apply. The approval process for an instant approval credit card, surprisingly, isn’t going to be as simple as the title would imply. [more...]

Date: 2009-09-30 11:09:19

Your opinions requested! Plus Year 2, Week 30 Results: 1.9 oz of plastic waste.

Here's the weekly tally. But please read down to the bottom of the page. I have an Announcement, a Survey, and a Discount Coupon for you ... Direct, Safeco Insurance, credit card company, and Financial West Group. I think I've been doing ... of us outside Canada cannot even view it via the web site. Any Canadian Fake Plastic Fish readers care to watch [more...]

Date: 2009-01-12 19:44:00

Speak No Bias: The Times Only Concedes ‘Insufficient Tuned-in-ness’

Poor Clark Hoyt. He has the toughest job in journalism. As public editor of the New York Times, it is his job to explain away the Gray Lady’s bias.Whenever the Times doesn’t report a bad-news-for-the-left story or mangles a hit piece on a conservative he’s there to tut-tut, but never under any circumstances will he concede the error is due to political bias.He was tapped this past weekend to explain away the non-coverage of ACORN by the Times. [more...]

Date: 2009-09-29 07:18:25

Realize Your Credit Score Plus 3 In 1 Credit Report

Realize Your Credit Score Plus 3 In 1 Credit Report by Sara M Perry3-in-1 credit reports are summaries from all three of the foremost credit bureaus. They cover the financial history collected on one person or group in order to “report their credit worthiness” or in other words, whether or not it is expected that they have the resources and trustworthiness to pay off a new obligation.These reports supply information from the three foremost credit reporting agencies. [more...]

Date: 2009-10-01 11:31:33

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Reinventing America

America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]

Date: 2009-01-13 09:40:59

Seattle Times… stupid or dishonest?

There’s yet another Republican campaign finance scandal brewing in Washington state, one with the potential to lead to felony charges, ... his TV ads on credit, an arrangement that now appears to amount to at least a half a million ... . But Reichert’s media credit card, that’s a clear violation of FEC rules: If you loan money [more...]

Date: 2008-10-21 16:14:04

What to do now there’s no jobs

Submit this story to: TwitterDiggGoogle BookmarkStumbleUponDel.icio.usTechnoratiHuggReddit Marese: don’t be a sheep! I volunteered to work on a farm because there was no chance of a job in my part of America after I graduated.  In the 1950s, 20-somethings went on a European tour. In the  1960s we dropped out.  In the 1970s we protested, and in the 1980s we got a job. The 1980s then stayed with us right up until the credit crunch. [more...]

Date: 2009-09-30 10:28:02

My 2009 Mini Q

Over the last several weeks I???ve received numerous questions from Sovereign Society subscribers, including individuals who frequent this daily blog. As we start 2009, I thought this would be an ideal forum to collect some of these important questions and attempt to give you my best conclusions. I can???t reprint all of these inquiries; yet I?? [more...]

Date: 2009-01-05 14:43:07

Credit Repair Company

by Brent Hansen Bad credit history can bar one from getting a job, getting a loan, obtaining a lease or even in securing credit. Several people look for ways through which they can repair their credit in order to obtain or secure the credit they are looking for. This is because most of the lenders consider the credit history to be accurate and the best means that can help in judging an individual especially for prompt payments. [more...]

Date: 2009-09-30 12:07:14

Soimething to offend Everyone

Political satire or reality?We will do something a little different in today’s post. Rather that blather about our own political views, let me share with you the contents of an email I received from dear friend and colleague Dr. Jerry. We’ve omitted the illustrations from the original since my technical knowledge is not sophisticated enough to [more...]

Date: 2009-01-14 00:17:00

Nader v. Obama

Part 11 (”The Anti-Reagan”). The daily videos involved are from NeverFindOut.org, a project of Let Freedom Ring (donation link is here) ... . In 2005, he was ranked to the left of such notable fiscal conservatives such as Chuckie “Free Credit Report” Schumer, Joe “Plagiarists ‘R Us” Biden, Robert “KKK” Byrd , John Francois Kerry, Ted “ [more...]

Date: 2008-10-30 15:45:25

“Taking a Spin in Social Media” with Metanomics on Second Life

Source: Taking a Spin in Social Media: Building a Virtual Advantage in Online Communities TRANSCRIPT OF METANOMICS INTERVIEW WITH CHRIS ABRAHAM METANOMICS: TAKING A SPIN IN SOCIAL MEDIA: BUILDING A VIRTUAL ADVANTAGE IN ONLINE COMMUNITIES SEPTEMBER 30, 2009 ANNOUNCER: Metanomics is brought to you by Remedy Communications and Dusan Writer’s Metaverse. ROBERT BLOOMFIELD: Hi. I’m Robert Bloomfield , professor at Cornell University ’s Johnson Graduate School of Management. [more...]

Date: 2009-10-01 16:31:51

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