Credit Karma’s Credit Simulator (and Other Credit Tools)

Last April, I went to Finovate Startup in San Francisco ... you can get, free credit scores from them. It’s important to realize that a credit score is different from a credit ... -track with the credit score explanation.  I meant to report that Credit Karma won Best in Show [more...]

Date: 2008-10-28 14:13:56

Blog posts (524) | Videos (412)
 

Fundamentals to Repairing Credit

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 ... . On a yearly basis, you are able to receive a free report (fee for the credit score) from each ... project. The “credit risk” label is based on your “credit report” and “credit score.” Therefore [more...]

Date: 2009-01-08 23:57:25

How To Fix Your Credit Score

One of ten Americans face the problem of having terrible credit scores or credit reports. If your one of them and are searching for a program to repair your credit, and are a few good solutions for you to look into. Post Excerpt from: BecomingWhoYouWantToBe . Click "read article" to see complete version. Looking for more information on business, success and careers? Visit our affiliate sites: Health Wealth & Happiness and Finding My Passion in Life . [more...]

Date: 2009-09-21 21:35:41

Start Improving Your Credit Score Today

If you want to borrow money from a lender, you’ll quickly learn how important your credit score is ... all still fall within a similar range. Sometimes, credit scores go by the name of FICO scores. Fair Isaac ... your loan based on what they find. A bad credit score can also mean you’ll only be offered loans [more...]

Date: 2009-01-16 00:46:34

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

An AP Stats Lecture

Because yesterday's hearing ran so late, I missed my AP stats class. Here is the way I would explain what went on to my students ... has a credit score, called a FICO score (FICO is an acronym for Fair, Isaac Company, the name of the leading credit scoring firm). Oversimplifying, let us say that a credit score of 660 is the cutoff [more...]

Date: 2008-12-10 14:20:10

Personal Finance Links - Aug 30 (pfblogs.org)

Nickel talks about Five Ways to Get Your Free Credit Report for Free. It is important to keep track of your credit score ... . With identity theft on the rise, your credit score is always in danger. A damaged credit score can prevent you from purchasing a home or car. Here’s some of the ways nickel ... ... [more...]

Date: 2008-08-30 12:01:34

Credit Analyst Warns of Trap for Credit Card Customers

/PRNewswire/ -- "Many people will have their credit scores lowered this year if they're not watchful, know what to do and take action," ... for consumers who are not prepared," said Johansson, speaking recently about credit scores at the Texas Bankers ... said Eddie Johansson, president of Credit Security Group, a leading nationwide credit score [more...]

Date: 2009-01-07 15:01:00

A Good Rredit Score For Loans

Most of us have already received some form of credit score without his knowledge ... or Experian. Make sure all items in duplicate such damage to your credit score. Until these basic tips ... . Please credit score if you borrow money or pay money from your bank, and could be a mobile phone [more...]

Date: 2008-10-30 12:15:48

Weekend Reading: August 24, 2008

I’m going to keep this round up nice and short since my family isn’t doing so well with cold and fever running rampant ... closer before forming your opinion. Credit Report Versus Credit Score at Free From Broke – A nice primer that distinguishes credit report from credit score. 4 Things That We Can Do to Fix Our National [more...]

Date: 2008-08-24 04:31:38

How Fast Can You Get A Home Loan After Bankruptcy?

One of our readers, Desiree, had this question: Is there any possibility of getting a home loan sooner than 2 years after a bankruptcy discharge? ... in bankruptcy”. If it doesn’t, then it is still counting against your credit score each month. Challenge Any ... reports, the credit bureaus will freeze your credit score until the dispute is resolved [more...]

Date: 2009-01-06 16:28:19

Improve Your Credit Score

We have been getting a lot of calls from this certain bank where my brother has applied for a loan ... you maintain a good credit score. But be sure to remove credit report errors so you would ... some of you can relate, and if there is one thing that could make everything stop, it is to improve credit score [more...]

Date: 2009-01-10 02:25:22

Credit Nexus : Get 3-in-1 Free Credit Report

Posted on Wednesday, January 14, 2009 No Comments Labels: affects my credit score, improve credit score, ... one website that teach you how to remove credit report errors? One thing is sure, first time I realize ... remove credit report errorsCredit Card - is a part of a system of payments named after the small [more...]

Date: 2009-01-13 20:04:00

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

8 ways to improve your credit score

8 ways to improve your credit score By Katie McCaskey, Geezeo.com Why? Because it’s harder than ever to get a loan. And the higher your credit score, the better your chances of securing a loan at a good interest rate when you need one. Read More » Cheat Sheet Biggest Loser Club on trimming [more...]

Date: 2008-12-13 00:46:40

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

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... of resources.Card credit credit score Credit repair forum Providian credit card application Va home mortgage loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian [more...]

Date: 2008-06-24 14:10:35

Improving Your Odds of Getting Approved for a Mortgage

by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... on what your financial history is like. If you aren’t sure what it is, get a copy of your credit score and your credit report. Banks look at your credit report and score to determine what their risk is [more...]

Date: 2009-01-09 18:30:22

Are You Thinking About Declaring Bankruptcy?

by Elma Evvie Declaring bankruptcy is one of the most difficult decisions and should never be taken lightly ... of before ou begin declaring bankruptcy that you may or may not know. 1. Your Credit Score: Your credit score is extremely important when it comes to getting new loans or even trying to get a job [more...]

Date: 2008-12-01 12:58:15

How to Rebuild Your Credit

Is your credit score low? Are you drowning in debt? Follow these steps to get on the path to rebuilding your credit. 1 ... your credit score even lower. Get every past due account below the maximum limit. 2. Examine ... negatively impacted your credit or been referred for collection. This will help stop any new judgments [more...]

Date: 2009-01-14 08:44:13

This Week in Credit: Fees and Scores

adele_D_20090115144535.jpg Getty Images Credit card pop art The bad news: ... . Some good news: Free credit scores might be offered more widely. Keepers of the FICO score Fair ... and have not finalized our suite of products and features at this time. Credit-score watchers, keep us posted [more...]

Date: 2009-01-16 17:57:45

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

FreeTripleScore.com Will Cost You $30 Per Month [Rip Offs]

United Airlines said it would listen to feedback from customers about its proposed plan to ax hot meals for coach passengers on international ... any commercial" cable nets (by which we mean G4). Freetriplescore.com warns you that your credit score ... " credit report website you should ever use is AnnualCreditReport.com. For free credit scores [more...]

Date: 2008-09-02 18:19:37

Would Knowing Your Credit Score Make You a Better Borrower?

This time it’s not a bait and swtich. You may be familiar with Freecreditreport.com ... State Employees Credit Union is giving its online banking and credit customers access to Scores ... . The company promises a  ”free” credit score upfront and hits you with enrollment in a $15/month [more...]

Date: 2009-01-16 18:49:19

Protecting Your Good Credit

It’s safe to say that if you have built a good credit score, you’d like to keep it that way. Who wouldn’t? There are a few simple things to remember when you are maintaining your credit score. Even though ... enough to make you forget about your credit score completely. Don’t fall into this bad habit [more...]

Date: 2009-01-16 12:00:11

I Guess Our Mortgage Is Officially Considered Small

As a follow up to the post I wrote a few days ago about the new consumer protection laws and the possibility that thrift stores would have to stop ... scores until now.  We went to the annual credit report site and picked Experian.  Credit scores were $5.95 each, and the credit report is free (we normally just get the free report).  We got my husband’ [more...]

Date: 2009-01-09 08:15:42

Will carrying a credit card balance through month end hurt your credit score

As I vaguely mentioned in my $100,000 by Age 30 year end recap post my wife and I are starting to save for a house we want to build down the road ( ... and research. One thing that I want to start preparing for is upping my credit score to get it as high as possible to make sure that I would qualify for the best rates. My credit score is not bad [more...]

Date: 2009-01-16 06:00:12

Credit Scores for the Ages

It’s funny how sometimes a post will take on a life of it’s own within the comments…such is the case with my recent interview of Jillayne Schlicke ... with the new year approaching…the comments have turned into a discussion of credit scores.  Most likely ... to go up as banks and conforming paper sold to Fannie and Freddie will raise minimum credit score [more...]

Date: 2008-11-08 18:15:24

Friday’s Rates

Mortgage rates continue to be very volatile.  They are improved from last week’s rate report yet higher than the low point (mid 5’s for 30 year) ... properties).  The conforming rate quote below is based on owner occupied with a mid-low credit score ... .  Pricing based on credit score of 620 or better [more...]

Date: 2008-09-12 21:26:07

Why Is It Essential To Have A Good Credit Score?

by Jason Bishop A healthy credit score is principal in our financially driven order ... don’t recognize that Receiving a good credit history can aid them with employment opportunities, applications for credit cards, buying a new house or even a new automobile. To be able to buy a new [more...]

Date: 2009-01-12 19:41:17

How to Raise My Credit Score

A common question many people have is how to raise their credit scores ... score is just a bunch of statistics! Get a copy of your credit report and scan for any errors ... it down! When you have an account with no negative reports, it looks good on the credit report. Don’ [more...]

Date: 2009-01-16 07:26:13

Reminder: 9 Months of Free Credit Scores + Monitoring

One of the three major credit bureaus, TransUnion, lost a $75 million class-action lawsuit a while back, ... unlimited daily access to your TransUnion credit report and credit score, as well as e-mail alerts when something changes. This is a good way to know when someone is pulling your credit report [more...]

Date: 2008-09-11 11:20:31

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... as to how much of your available credit you’re using. According to Yahoo! Finance columnist Liz Pulliam Weston, “if your credit card issuer slashes your credit limit — which is increasingly likely [more...]

Date: 2008-12-29 21:48:19

Real Estate investing and bad credit reports

by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . If you are trying to apply for an apartment complex the landlords may take a look at your credit score ... reasons as to why having a good credit score is very important in today’s world. However [more...]

Date: 2008-12-25 10:33:44

Five Ways to Get Your Credit Report for Free

I’ve talked at length in the past about how your credit score is determined and why it’s important ... . When we first discovered the problem, we burned through our free credit reports trying to figure ... provides you with access to reports from all three credit bureaus plus your credit score. Just don’ [more...]

Date: 2008-08-29 10:03:53

Get a $50 or $100 Gift Card From American Express

If you’re responsible with credit cards and looking for a bonus, ... of your credit score. Opening and closing a credit card in quick succession may affect your credit score ... Membership Rewards points after spending $500 over the first three months. The points [more...]

Date: 2008-10-02 23:50:19

Mortgage Rates — More Changes Coming Soon!

Mortgage rates have improved but continue to be volatile.  Today’s rates are actually up about 0.125% from yesterday ... properties).  The conforming rate quote below is based on owner occupied with a mid-low credit score ... ?  Those with 40% down (home equity), 740 plus credit scores with taxes and insurance included [more...]

Date: 2009-01-09 21:22:08

How to Prepare for Buying a Home

This is a guest post from Jim, my friend and colleague at Blueprint for Financial Prosperity ... t change your job. This won’t necessarily affect your credit score (some banks will do a hard credit check, which negatively affects your score) but it will give the lender headaches when they try [more...]

Date: 2008-09-03 12:00:29

What Are Benefits Of Good Credit?

By Darren Cason Most people know that if you have a good credit score, you get good interest rates and better offers on new loans and credit ... requirements. Many apartment managers, landlords, and those who offer leases will check your credit ... the credit report is only to verify past employment, but often the credit score is considered as part [more...]

Date: 2009-01-10 12:00:16

Senators: credit scores shouldn’t determine insurance rates.

A person’s financial history should not determine how much they pay for auto insurance, say three south central Senators. “If you have a low credit score you pay a higher amount,” said Sen. Oletha Faust-Goudeau ... it so insurance companies could not set premiums based on credit scores. She is co-sponsoring [more...]

Date: 2009-01-15 23:01:51

What Are Adverse Credit Debt Consolidation Loans

Credit history refers to an estimation as to how an individual has preformed when it came to taking loans and their repayments ... a normal score of below 600 is considered poor. This results in adverse credit history. We also ... . On that basis only a score is calculated which is known as credit score which depicts [more...]

Date: 2009-01-10 22:43:36

The Credits Secrets Bible Can Help Your Credit Score

Credit is a necessity that we all need. But if it is abused or overextended, you could end up in a bad situation. Credit cards and loan debt is at an all time high and people are looking for ways to repair a damaged credit rating. A product called Credit Secrets Bible (CSB) is now available from the Consumer [more...]

Date: 2009-01-11 14:35:09

Will a short sale hurt my credit score?

When I meet with homeowners who are struggling with their mortgage are maybe behind on payments and have no equity in their home, ... get this question - “Will a short sale hurt my credit score? And if so, by how much?” I have been doing ... or foreclosure on one’s credit report. I recently came across some great information provided by a mortgage [more...]

Date: 2009-01-15 20:14:24

Selecting From These Monthly Magnificent 7 For Round 2.

Pipe in if you want. LarThese are the final monthly nominees to compete to go on to round two ... For A Mortgage When One Spouse Has A Low Credit Score  By Searchlight Crusade: here are several ... must qualify, credit score-wise. The way around this is a quitclaim to the spouse who has a good [more...]

Date: 2009-01-15 10:19:45

Easy No Credit Check Loans

September 20, 2009 | By Preston West In Blogging | For those people with low credit scores or low wages, “No Credit Loans”, are an excellent alternative. Although this loan is linked with much higher interest rates it is an option for those with few choices. Because the loans are usually paid back over a shorter amount of time the huge interest rate may not be a deterrent to borrowing funds. For people that need quick cash for a short term, this could be ideal. [more...]

Date: 2009-09-20 22:50:50

Bankruptcy Is Not The End

During economic downturns such as the one we are experiencing, ... this sounds like a good option, one downside would be that your credit score will be lowered, perhaps ... settlement, will also bring down your credit score, but you gain lower payments and eventual freedom [more...]

Date: 2009-01-15 03:32:03

Understanding Corporate Credit

by Mary Bush One of the most common misconceptions relating to corporate credit is that it works just like personal credit ... credit rating and score. So paying your bills on time and not having a high balance on available sources ... . Do you know what is on your business credit report? At least once a year you should be examining it very [more...]

Date: 2009-01-04 09:38:22

How do I cancel FreeCreditReport.com?

The following post in our Reader Question series is an actual user submitted question ... a free Experian credit report and credit score when you sign up for a seven day free trial of three ... t necessarily mean you should cancel after you have received your free credit report and score [more...]

Date: 2009-01-10 21:43:17

Weekend Links - I Want a Volkswagen Bus edition

Today, my wife and I drove 7 hours from nearly San Deigo back to our home in San Francisco ... , a post based on the US economy, zombies, and the girl in the photo. True Credit review - how I use the credit score & credit report monitoring service from Money Smart Life offers many reasons [more...]

Date: 2008-07-21 05:37:39

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