2009 looms ahead

Do you still make resolutions?  Well here are a few that you might want to think about as 2009 draws closer and a few key dates to make a ... has made it possible for individuals to obtain one free annual credit report from each of the three major ... your rebate check. Review your credit:  you are entitled to a free credit report once a year [more...]

Date: 2008-12-26 17:00:32

Blog posts (557) | Videos (44)
 

Beware of “Fishy” Emails…. Protect Yourself Against Identity Theft

By:  LINDSEY O’NEILL, ESQ. I get them all the time - those pesky emails that appear to come from my bank, credit card company, ... confidential information so they can run up bills on your credit cards, take out loans, obtain new credit ... fraud alerts on your credit files. Monitor your credit files and account statements closely. • Report [more...]

Date: 2009-01-02 13:42:02

Cashing In On Free Credit Reports

Nothing in life is free… and this especially holds true online ... credit report. You can obtain a copy by visiting (affiliate link) or have it done during tenant ... credit report offer? Simple, you make your prospective tenants get a free credit check before applying [more...]

Date: 2008-12-13 08:02:52

Ten steps to take before buying a home

I found this entry from back in March, 2005. It’s useful information, especially now as we enter the fall market ... more down at losing, depending on the type of mortgage you end up getting.) 5. Get your credit in order. Obtain a copy of your credit report. (Definitely do this - do it online if you want it done, fast [more...]

Date: 2008-08-26 19:00:25

Why Can’t I Get That Low Mortgage Rate Advertised?

There is a perfect storm in the mortgage market right now.  Those who do not need credit can obtain it while those that do need credit cannot obtain ... was submitted and the appraisal and credit report came back within two weeks and the loan went [more...]

Date: 2009-01-05 00:51:01

Was Palin's SSN published on Web?

Part of vice presidential candidate and Alaska Gov ... routinely appear on reports anyone could obtain on their neighbor or their nanny. A report ... after Democratic staffers obtained Republican Senate candidate Michael Steele’s credit report [more...]

Date: 2008-09-05 09:00:00

Post-Holidays Ideal Time to Check for ID Theft

We know, we know: that stack of bills on your kitchen table can’t possibly have a bright side. Right? ... . Request a Credit Report Unless you’re planning on requiring one for another purpose (such as a loan) within the next 12 months, now is also a good time to order a credit report. (You may obtain [more...]

Date: 2009-01-17 00:30:01

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

Getting Rid Of Bad Credit

By Michael Benifez Today's credit crisis is resulting in a more difficult road for consumers to getting a loan and obtaining good rates ... . 1: Obtain a copy of your credit report. You can't repair something you don't know is broken. Once ... . If your credit rating is less than stellar, you can pretty much guarantee you're not going to get the best [more...]

Date: 2009-01-03 08:21:18

Take A Peek At My Lending Tree Home Refinance Offers

Here’s a sneak peek at some that were offered to me when I signed up on their website ... on your credit report, obtaining your score only. This shouldn’t lower your credit score, so don’t worry ... with no points. I have a high 700’s credit score so I feel confident I’ll get a better offer than any [more...]

Date: 2009-01-16 06:48:36

Debt consolidation v IVA?

Why do people consolidate their debts or enter into IVAs (Individual Voluntary Arrangements)? ... ’s credit rating, and probably make credit harder to obtain and more expensive. It’ll stay on their credit report for six years, although this won’t really be an issue for the first five of those [more...]

Date: 2009-01-08 18:23:38

Payday Loan Up To 1000

The funds may be obtained despite a problematic credit report. You will be submitting name address, phone numbers, bank account ... % of the loan applicants are qualified enough to obtain finance in this field, as you will be giving ... crunch anymore. Bad credit cash advances that are required to pledge any security which drastically [more...]

Date: 2009-01-16 19:31:55

Moving Forward: Debt Consolidation

Moving Forward: Debt ConsolidationMany Americans are feeling the pinch of the tumultuous economic times that we now find ourselves embroiled in ... not be allowed to damage your credit report and your ability to obtain a home loan. It is easy ... of homeownership, there are alternatives. Credit card debt that often accumulates during difficult financial [more...]

Date: 2009-01-08 22:38:03

Get The Best Home Mortgage Loans

by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... to obtain this loan, you must have a good credit report. Unfortunately, not all lenders are equal ... or no documentation but just by looking at a very good credit report, they reason that an applicant wouldn’ [more...]

Date: 2009-01-04 08:16:22

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

Maybe Someday We Can Be Like That

Wow. Europeans actually have elected officials who look out for their privacy interests! ... allowing law enforcement and security agencies to obtain private information — like credit card ... Ocean. The potential agreement, as outlined in an internal report obtained by The New York Times [more...]

Date: 2008-06-28 10:59:03

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

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

Sound Advice from a fellow EBA: How to Get The Best Deal in a Buyers Market

I came across a blog post today written by an EBA peer in Nashville entitled "Buying Real Estate - How to Get The Best Deal in a Buyers Market ... is in your plans...be sure to arrange for it ahead of time. Be sure to obtain a copy of your credit report and correct any mistakes...NOW! If you plan to live in the home as your primary residence [more...]

Date: 2009-01-07 22:25:00

Taking Home Mortgage Loans

by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... and loan amount. The lender will then base loan approval solely on credit scores. In order to obtain ... with little or no documentation but just by looking at a very good credit report, they reason [more...]

Date: 2009-01-02 16:59:45

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 Does Bankruptcy Affect Your Credit Score?

For many consumers facing high levels of debt, bankruptcy may seem like the only available option ... clients will see this blemish on their credit report for up to seven years, but the implications don’ ... , as it can be hard to obtain credit, even with a clean slate. After the bankruptcy declaration [more...]

Date: 2009-01-08 02:16:12

Home Mortgage Loans Tips

by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... . But in order to obtain this loan, you must have a good credit report. Unfortunately, not all lenders ... to present the mortgage company. But there are also ways for you to obtain a loan with minimal documents [more...]

Date: 2009-01-02 16:49:29

Taking Home Mortgage Loans

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... loan approval solely on credit scores. In order to obtain a no doc loan, you must have a very high ... at a very good credit report, they reason that an applicant wouldn’t just do anything bad to tarnish [more...]

Date: 2008-12-31 15:42:48

The truth about collection accounts.

by JR Rooney The debt collection industry is a billion dollar industry. According to Rapid Recovery Solution, Inc ... the account or legal action is taken against you. Collection agencies obtain the following information to develop a strategy to collect money owed: name, address, credit report, credit application [more...]

Date: 2008-12-17 08:13:34

Voodoo Correlations in Social Neuroscience

The end of 2008 brought us the tabloid headline, Scan Scandal Hits Social Neuroscience ... to obtain their results.Edward Vul, the first author, deserves a tremendous amount of credit (and a round ... took place, and later obtained a self-report measure of how much distress the subject had experienced [more...]

Date: 2009-01-05 13:30:00

My financial resolutions for 2009, #5 in a series

Editor’s note: We asked our resident money experts to share their financial resolutions for the year ahead. Here, the fifth in our series: I’ve resolved to obtain and examine a free copy of my credit report as often as I can. Federal law gives everyone the right to a copy of their report from each [more...]

Date: 2009-01-09 01:10:49

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

It’s unanimous, Web application security has arrived

It’s unanimous. Web application security is the #1 avenue of attack according to basically every industry data security report available ( ... credit card transactions.5. They install backdoors that "beacon" periodically to their command ... , Hardware Security Modules (HSMs), and processing applications in an effort to obtain credit card [more...]

Date: 2008-12-26 20:00:00

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

Chrysler LLC To Idle Plants For A Month

The credit crisis continues to adversely affect the North American market, with reports that new car buyers are continuing to find it difficult to obtain credit to finance their new car purchases. As... Click through to The Motor Report for the full article. [more...]

Date: 2008-12-18 10:01:47

Fed Watch: More Easing Expected

Today, the Fed lowered the target interest rate to 1%. Will the Fed lower the target rate even further if things don't improve? ... of households and businesses to obtain credit. Any other assessment would have been surprising ... s durable goods report is no exception, with nondefense, nonair capital goods declining 1.4 [more...]

Date: 2008-10-30 06:21:53

Malaysian pair admit NZ credit card fraud spree

A retired Malaysian police officer and his wife, both residents of Singapore, are being held in custody for sentence after admitting 63 charges of credit card fraud in New ... -sentence reports, and the police asked for time to obtain victim impact statements from retailers [more...]

Date: 2008-11-20 10:32:55

Mysterious credit card charge may have hit millions of users

Source: Boston Globe - Several Internet complaint boards are filled with comments from credit card customers from coast to coast who have noticed a ... out whether an illegally obtained credit card number will work before making a bigger charge, or they’re ... at the moment. The Better Business Bureau in Louisville reports that, at least so far, those [more...]

Date: 2009-01-09 03:56:32

ChryCo CEO Denies No Free Credit (Report Dot Com Baby)

In an email to the troops , Chrysler CEO Bob Nardelli's denying The Wall Street Journal report that ChryCo's re-fi of $30b of short-term, car-loan-backed debt may not go down. If that happens– I mean, doesn't happen– Chrysler [more...]

Date: 2008-07-22 16:36:40

Millions Affected by Small Fraudulent Charges Nationwide

Internet complaint boards have been busy and credit card fraud departments are scratching their heads ... is trying to find out whether an illegally obtained credit card number will work before making a bigger charge, or they’re trying to rip off tiny amounts from tons of people.” So far, most reports [more...]

Date: 2009-01-13 18:00:58

Heir Advance

Heir advance is a term used to describe a cash advance using inheritance assets as collateral ... . The majority of heir advance funding sources require a current credit report for the individual seeking ... is appointed to oversee the estate and perform certain duties. In cases where heirs elect to obtain [more...]

Date: 2009-01-08 00:02:47

Top 10 Tips For a First Time Home Buyer

by katie George If you have just started the process of looking for a home on the Tampa real estate market, ... to make certain that your credit report is accurate and in order. You also need to make certain ... you actually begin looking for a home. 5. Limit the number of people you obtain advice or opinions [more...]

Date: 2008-12-30 10:11:57

From Ralph, a blogger . . .

Two Amusing Dumb Crooks Stories The Press-Enterprise 1/6/2009 SAN BERNARDINO Man arrested in identity theft case A Compton man was arrested ... a home, vehicle and credit cards using the dead boy’s name, the report said. —John F. Berry ... Friday in San Bernardino while attempting to obtain a birth certificate of a 4-year-old boy [more...]

Date: 2009-01-07 05:50:15

Getting the Paperwork Started for a Home Purchase

The resolve to buy a home is both thrilling and worrying ... , but you will obtain your reward for excellent preparation when the loan process and closing progress goes smoothly and without incident. The first step in this process is getting a copy of your credit report [more...]

Date: 2008-12-23 02:04:31

Credit Repair – What to Do When You Become The Identity Theft Victim

Life as an Identity Theft Victim could be stressful and intimidating ... your checks have been stolen and used, and obtain a copy of their report to forward to your bank ... . Stressful as you need to ensure that all financial and credit accounts are in order or closed [more...]

Date: 2009-01-05 13:57:11

Current Event: Beware, Cellphones Attacks Next

Devy Pranowo and Xia (My) Cam A report from the Georgia Tech Security Center predicts that botnets were likely to hit mobile phones sometime soon ... private information. For example, attackers can easily obtain social security number or credit card [more...]

Date: 2009-01-08 02:28:58

Debt Grants Provide Debt Relief

Numerous federal and private debt grants are available for you to obtain in order to reduce or eliminate your debt right away ... grants, so it will never end up on your credit report. If you’re asking yourself why you’ve never [more...]

Date: 2009-01-05 16:54:45

Debt Grants Provide Debt Relief

Numerous federal and private debt grants are available for you to obtain in order to reduce or eliminate your debt right away ... grants, so it will never end up on your credit report. If you’re asking yourself why you’ve never [more...]

Date: 2009-01-03 23:23:42

Blogging Boom Faces Gov’t Blockages (Helen Clark - IPS News)

Helen Clark published her article in relation to the new blogging regulation for Vietnam last Friday ... it and helped obtain the venue though my network.  The Barcamp Saigon organizers ran the event.  Want to make sure they get the credit here, not me :-) Other Press Reports on the Blog Regulation Edit [more...]

Date: 2008-12-22 06:57:23

MICROCAPITAL STORY: Malawian Microfinance Institutions Accused of Profiteering - Blue Financial Services and Izwe Lose Government Backing

The Malawian Civil Servants Trade Union (CSTU) has asked the government to rethink its recent decision to cease guaranteeing loans obtained from ... . There are currently nine MFIs in Malawi which report to the Mix Market, but Blue Financial Services and Izwe ... it was reported in The Nation Online that Blue Financial Services offers credit at [more...]

Date: 2009-01-12 14:56:31

PNG budget goes for growth despite financial crisis

The Papua New Guinea Government handed down a PGK7.6 billion (approx.US$3 billion) budget for 2009 yesterday ... and telecommunications. PNG’s Standard and Poor’s credit rating was upgraded in 2007 to B+ for long-term foreign ... impact on service delivery, with anecdotal reports suggesting many districts were unable even to obtain [more...]

Date: 2008-11-19 05:44:00

4th Quarter 2008 Market Report

4th Quarter 2008 Market Report January 15, 2009 at 3: ... and obtaining a loan is harder than ever, even for people with respectable incomes and credit scores [more...]

Date: 2009-01-15 20:02:00

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

Colliding Bubbles, US Unemployment, the Credit Crisis and Oil Price Surge

Dandelion Salad By John Mauldin www.marketoracle.co.uk Jun 07, 2008 Unemployment Jumps to 5 ... Dunne and Doug Henwood of The Liscio Report noted, the gain was all from local governments ... use’, you must obtain permission from the copyright owner. [more...]

Date: 2008-06-18 13:11:25

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