Free FICO Score At Equifax (No Strings)

Written on 10/02/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... . As you may know, Equifax is one of the 3-primary credit bureaus in the US and its score is used heavily ... (as promotions do), you can also obtain a free credit report at annualcreditreport.com. While it won't give [more...]

Date: 2008-10-02 12:12:54

Blog posts (760) | Videos (549)
 

Widespread Mortgage Refinance (Good Credit Doesn’t Pay)

Mine won’t be one of the three million mortgages expected to get a new deal via The Bailout ... , to have the right numbers on our credit report. AND a month later when every headline ... , and took the best mortgage deal we could get. Who Wouldn’t Take an Adjustable Rate Mortgage? Because [more...]

Date: 2008-10-30 13:35:53

Money Hacks Carnival #39

Looks like another another miscue in the Carnival Land ... Transfers Offers posted at Blueprint for Financial Prosperity. Annual Credit Report posted at Identity ... for your participation. carnival Photo by Meagen via Flickr Credit and Debt Five Ways to Help [more...]

Date: 2008-11-20 03:25:15

NYC Commercial REIT's Fall

A: What took so long? Did they forget that commercial real estate was under severe pressure just like residential real estate was 16 months ago? ... is a wall street city facing a wall street crisis? What happened? I heard of a report from a Goldman ... "Credit Crunch: Part II": "Holy Batman! Are you guys paying attention to what is going [more...]

Date: 2008-10-14 19:40:52

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

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

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

What’s the Carbon Footprint of my Checking Account?

Crossposted from the Understory RAN released a new report today, “Financing Global Warming: Canadian Banks and Fossil Fuels“, ... , we also launched a new website, climatefriendlybanking.org. The report results are striking ... s largest credit union), would reduce your annual carbon footprint by 1.4 tonnes of CO2, a very meaningful [more...]

Date: 2008-11-20 22:15:55

Downsizing? An admin checklist

It’s never pleasant when companies have to downsize due to a tough economy ... forms, if necessary Delete company computer access Remove access to company credit card ... : Final time/expense report Final paycheck COBRA notice (firms with 20+ employees) Certification of group [more...]

Date: 2009-01-16 17:43:53

US envoy visits Pakistan to dampen tensions over Mumbai attacks

US envoy visits Pakistan to dampen tensions over Mumbai attacks Islamabad - A senior US diplomat arrived in the capital city Islamabad on Monday ... their weight steady, eating a Mediterranean diet, exercising regularly and not smoking, reports ... .. News Just in Catastrophe Losses, Credit Crisis Push Reinsurance Pricing [more...]

Date: 2009-01-05 07:36:01

Ausra: Big Solar Getting Bigger

Ausra, the startup that’s building massive solar thermal plants in the desert and has already raised tens of millions of dollars from Kleiner ... investment tax credit? The CNET report also said that the company would need two project financings next ... for its Series C. In fact a report from CNET had pegged the round at closer to the $100-$150 [more...]

Date: 2008-08-08 16:15:19

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

some things on my mind #5

Got some things, that I just feel like sharing, rambling, or ranting about. So here goes: 1. First things first ... your score by being listed on your Mamma's Visa that has a $5K credit limit, well that ain't gonna ... on January 9th. I strongly suggest that you get your copies of all three credit reports asap to see [more...]

Date: 2009-01-16 19:20:00

Credit information

  The Trump Blog, I thought the information in Trump’s blog would be worthy to share with you ... It is said that inquiries can cost you 3-5 points each time your report is pulled.  If your credit score i ... much of a risk you really are is by using a mysterious number we all know as a credit score [more...]

Date: 2009-01-10 14:20:37

Few following DIAC in Gershon hiring drive

Most large federal government agencies this week said they had no plans to follow the Department of Immigration and Citizenship's lead in hiring a ... recommendations. Razor: Gershon and Tanner Sir Peter Gershon and Lindsay Tanner (Credit: Brian Hartigan) The Gershon report, which has been endorsed as an action plan by Federal Cabinet, found [more...]

Date: 2009-01-15 05:57:02

Sensible Debt Collection

This post has been republished from the SitePoint Tribune #427 ... the client wants a clean credit report to enable them to secure a loan for a house. Be consistent ... : invoice for final payment 30 days later: reminder notice 7 days later: phone call reminder/request [more...]

Date: 2008-12-21 23:14:08

Becoming a Subprime Society

From MarketWatch: Foreclosures could top 8 million: ... to a recent report. Credit Suisse’s fixed-income research team forecast that 8.1 million mortgages ... Credit Suisse More than 8 million mortgages could go into foreclosure in coming years in the wake [more...]

Date: 2008-12-10 11:35:04

The Public Library Renaissance

By FREAKONOMICS Photo: Victoria Peckham   Fewer people bought books, CD’s, and DVD’s in 2008 than in the year before ...  major-league sports game attendance. As consumer spending recedes in the face of the credit crisis ...  reports that public libraries around the country are posting double-digit percentage increases [more...]

Date: 2009-01-16 14:47:39

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

U.S. Bleeding Jobs; Wall Street Doesn't Seem to Mind

On Friday, December 5, 2008 the U.S. Department of Labor reported a sharp loss of 533,000 jobs in the month of November ... to the National Bureau of Economic Research, today's recession began at December 2007. Friday's report ... that reverberated through credit markets has now debilitated the able-bodied worker. Indeed, labor [more...]

Date: 2008-12-09 12:56:06

MVP Paul Pierce

So, basically Paul Pierce denied any relationship he had with Vaso Shinas, and said he had no idea how she was able to obtain his credit card number. This was humorous to me because it was discovered Vaso Shinas was using his credit card in Lavern ... a police report when this first happened?) Then Detective Salb discovered a charge on Paul Pierce’ [more...]

Date: 2008-06-19 16:21:05

links for 2008-12-14

Causes: Subprime Lending - The Baseline Scenario Why I Think the Multiplier is Large - Arnold Kling Emerging economies: ... - washingtonpost.com The Serious Badness of the 1980's - Twenty-Cent Paradigms Fed Could Remake Credit Card Regulations - washingtonpost.com Report Spotlights Iraq Rebuilding Blunders - NYTimes.com How [more...]

Date: 2008-12-14 08:06:00

BEWARE OF “FORECLOSURE RESCUE” SCAMS

BEWARE OF “FORECLOSURE RESCUE” SCAMS January 16, 2009 By: credit ... the Times reports. The Federal Trade Commission has already sued five companies representing 20,000 ... . What can consumers do? Be wary of companies that charge upfront fees and promise results, an FTC official tells [more...]

Date: 2009-01-16 15:38:28

Developments in Iraq

The LATreports on developments in Iraq: "With violence reduced drastically, new cars have become the latest must-have for those who can afford it, ... had to fly in pallets stacked with dollars to pay government employees. Some restaurants even accept credit cards these days."While nobody's reporting that all's well in Iraq, improvements are undeniable [more...]

Date: 2009-01-16 15:02:00

Credit Karma Uses Ad Model to Provide Free Credit Information

According to the 2007 Online Banking Report, approximately one in three US adult consumers monitors or checks their credit score in some form or ... the score is usually only free if you enroll in a credit monitoring service. In this margin-rich industry ... . FreeCreditReport.com and TrueCredit.com, the consumer direct sites of Experian and TransUnion [more...]

Date: 2008-11-25 19:39:56

Expensify: A new take on expense reporting

Business travel seems to be one enormous headache, with the long security lines, the new fees for luggage, ... travel is what happens after your return to the office: the dreaded expense report ... your credit card information. They send you a brand new Visa debit card, which you then use [more...]

Date: 2008-09-24 11:30:59

Can Wachovia Do Anything Right?

An analyst at RBC Capital Markets suggests Wachovia cut corners to join the trillion dollar asset club ... loans was 1.24%. In its latest annual report, Wachovia ... to see credit quality in C&I lending deteriorate in tandem with the general economy," wrote [more...]

Date: 2008-08-13 04:36:25

Bank of America reports $2.39 billion loss

Escalating credit costs forced Bank of America Corp. to report a $2.39 billion fourth-quarter loss Friday, hours after it convinced the government it needed a multibillion-dollar lifeline. [more...]

Date: 2009-01-16 22:44:48

DTCC Claims Lehman Credit Default Swap Worries Overblown, Net Payments Only $6 Billion

Reader Tim sent us a link to a press release from The Depository Trust and Clearing Corporation which says that the net payout on Lehman credit ... has been the prospect of further bank failures resulting from Lehman payouts. DTCC's report, if accurate ... Misconceptions About the Credit Default Swap Market NEW YORK--(BUSINESS WIRE)-- The idea [more...]

Date: 2008-10-12 13:20:22

Bank of America reports $2.39 billion loss

Escalating credit costs forced Bank of America Corp. to report a $2.39 billion fourth-quarter loss Friday, hours after it convinced the government it needed a multibillion-dollar lifeline. [more...]

Date: 2009-01-16 15:16:20

The SEC, Madoff and XBRL

You probably have never heard of XBRL. If you havent, ... to get up to speed on what XBRL can do. XBRL is a version of XML for financial reporting. To the SEC’s credit ... around XBRL. IN addition, there is no reason why every entity that has to report to the SEC [more...]

Date: 2008-12-16 07:10:54

Best Buy: Piper Upgrades; Sees Benefit From Rival’s Pain

Piper Jaffray retail analyst Mitchell Kaiser this morning raised his rating on Best Buy (BBY) ... s near-term prospects; credit research firm Gimme Credit on Friday cut its credit rating ... . Tomorrow morning, Best Buy will report results for its fiscal third quarter ended in November; today [more...]

Date: 2008-12-15 17:36:12

Resolutions 2009

I'd like to hear about any resolutions for this year that are on your mind.I admit: nothing specific comes to mind for me.. ... : Protect your identity. Download your free annual credit report (US only). Build your network before [more...]

Date: 2009-01-01 13:21:41

Win A Sony Vaio

Fancy winning a Sony Vaio Laptop & a one year subscription to McAfee Internet Security? ... your credit report for free while your there, bargain. Click here for details ... . All you have to do is log in to credit expert  before the 13th February to be in the prize draw [more...]

Date: 2009-01-16 01:22:21

Peak Oil: Are Oil Prices Destined to Rise Again?

Crude oil futures continued down on Friday, spooked by the dim outlook for the U.S. economy ... investment in oil exploration and production, Credit Suisse says in a new report. Right ... , as Shell has already announced with Canadian tar sands. If oil stays around $60 a barrel, the funding [more...]

Date: 2008-10-31 16:31:46

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

Opening Comments January 15 2009

Prices of Treasury coupon securities maintain a robust tone as economic reports continue to manifest weakness and credit concerns are unabated ... American firm Morgan Stanley. Nissan will cut production of autos in February and March at an annual [more...]

Date: 2009-01-15 12:30:55

Friday’s Rates following the Rescue/Bail Out

There have been so many factors that typically influence the direction of mortgage rates over this past week, it’s amazing.  Just this morning we had another dismal Jobs Report with a greater loss than expected ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-03 21:29:05

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

S.J.Res. 5: A joint resolution relating to the disapproval of obligations under the Emergency Economic Stabilization Act of 2008 ... authority to spend $350 billion to revive sluggish credit markets. CBO: Troubled Asset Relief Program (TARP) Report CBO is required by law to report semiannually on OMB’s assessment of expenditures under [more...]

Date: 2009-01-16 19:13:29

Three Legislative Proposals That Could Have Major Consequences for Your Finances

J.D. is on vacation. This guest post comes from DR of The Dough Roller, a money management blog ... in a consumer report or any change in a consumer’s credit score, as the basis for increasing any annual ... on Wall Street and in the credit markets lately, one could easily forget about money-related legislation [more...]

Date: 2008-12-18 13:00:42

Center For Responsible Lending Burning, Payday Loans Unscathed

The CRL is burning… With each passing day, payday loans become more popular with consumers in need of a temporary cash bump ... higher. Witness this recent story from the Credit Union Times‘ David Morrison. He reports in “Sandler Mortgage Lending Controversy ... [more...]

Date: 2009-01-16 22:12:37

Hey John and Barack: Tell Us the Name of Your Treasury Secretary!

I need to give credit to the various radio stations I report for who made great suggestions about how we should be making economic decisions ... be, and then ask them to debate. What a novel idea! The voting public will be exhibiting a high act of trust [more...]

Date: 2008-10-02 01:30:58

Volcom Coney Island Ls Shirt Black Womenaposs

Do it, and then do it again and again and again. * If someone bids $22 ... on your credit report is going to cost you dearly in your score. ... spiders the most. When you apply for a credit card through moneyeverything. As you know, my ultimate [more...]

Date: 2009-01-16 16:35:14

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

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

"The Largest Credit Contraction in History is Here"

"There was a report from Mish’s Global Economic Trend Analysis * who in turn was commenting on a report from Martin Weiss who publishes research at his Money and Markets site. Weiss takes a look at the Flow of Funds report for Q1 published by the Fed. Weiss’s conclusion: The first quarter brought the greatest credit collapse of all time. Open Market Paper: Instead of growing as it had in almost every prior quarter in history, it collapsed at the annual rate of $662.5 billion. [more...]

Date: 2009-07-12 01:58:00

FOX Spreads The 'B' Mutilation Hoax

Permalink • Comments (View) Sat Oct 25, 1:31 AM Pacific FOX Spreads The 'B' Mutilation Hoax You have to give FOX some credit. They'll report anything -- anything -- to help John McCain win an election: YouTube link Bookmark and share (Digg, reddit, and more) [more...]

Date: 2008-10-25 09:07:28

iMPACT! (Jan 15 09)

NEWS: |411M| The following report is from 411Mania with full credit going to Randy Harrison… “ We start the show out with highlights from the ... the microphone and talks about how there have been many great families in history with men that would [more...]

Date: 2009-01-17 03:24:22

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

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