Carnival of Real Estate #117 Winners

Get out of your feed reader and comment on this post- we PROMISE that the ShamWow guy won\'t pop out when you do.. ... , D.C. takes 3rd place for What is My Credit Score and How is My FICO Calculated? Raymond helps ... and gives suggestions as to how to improve scores. In light of a credit crunch, this article is very [more...]

Date: 2008-11-17 20:07:39

Blog posts (524) | Videos (412)
 

Can homebuyers still get liar loans?

Randy Johnson, president of Independence Mortgage Co ... and they have to like your credit scores, but agree with them ahead of time that you are not going ... professional, graduate degree, self employed for over 25 years. My credit score is over 800. I currently [more...]

Date: 2009-01-16 11:00:49

Score for Team Dimples!!!!

Oh yeah! Oh yeah!!! Guess who's credit score broke the 700 barrier??MINE!!!!!!!!!!!!CREDIT SCORE = 707YAY!!!!!*ahem*Now back to your regularly scheduled program....... [more...]

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

GMAC to lend money to those with credit scores higher than 700

We already saw how the economy has affected the markets, from real estate and auto industries, to financial institutions ... lending money to people that have a credit score of more than 700, I did not even blink ... . Long gone are the times when 0% down and “no credit needed” loans were widely offered by lenders [more...]

Date: 2008-10-24 21:26:58

How Do I Clean My Credit Score Up? - Tips That Every Credit Card Owner Should Know!

If you want to know "how do I clean my credit score up" then I hope this article can help you get on the road to better financial health. There is no time like the present to start cleaning up your credit report! [more...]

Date: 2009-01-15 17:41:52

Benefits of Acquiring Bad Credit Auto Loans through Sub-prime Car Lenders

Amazon.de Widgets The world economic recession has created a different set of dynamics before the lenders and primers. With pink slips and instability in the job market borrowers are finding it hard to maintain regularity in repayment. Unavailability of unsecured loans has also added to their worries. This is no less a turbulent time for lenders too. With increased number of bad credit borrowers they are forced to relax their good credit score while approving new loan plans. [more...]

Date: 2009-09-29 07:45:12

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

Got Credit Card debt? You may be in luck…

by Rolfe Winkler, CFA If you’re delinquent on your credit card balances, now may be a good time to pay down that debt.  According to an article in the New York Times, in exchange for a hit to their credit score ... years, credit card companies are realizing that some hard-pressed Americans will not be able to pay [more...]

Date: 2009-01-03 01:44:51

Right track

Yes. I am getting there. Slowly but surely ... , it is such a good thing for credit companies to offer instant credit score checks for fast and efficient ... is to know and be keen with my earnings and payables. To check credit is one of the good way to be able [more...]

Date: 2008-11-03 00:20:23

Home loan

by Tom Martens Before starting the homeownership or monthly mortgage installment ; ... to the prime rate set by the Fed. When determining this rate, your credit history and credit score are major ... online home loan calculators on financial or property websites to start working out what your payment [more...]

Date: 2009-01-16 14:42:11

Sunday Review #32 - From Financial Planning To Turning Your Financial Life Around!

#fullpost{display:inline;} ... to score Your Free Credit Score: Is There Such A Thing?Financial Ramblings: If you are planning a budget check out this list of 19 FREE Personal Budgeting Spreadsheets.Money and Values: Here is some great [more...]

Date: 2008-08-11 07:26:00

Breaking the Monthly Payment Mentality

Local car dealerships have been running a blitz of advertisements here in my local town over the last several weeks in an effort to move inventory ... ’t check your credit and measure you based on some score. Since we don’t check your credit, we do ask that you build a credit history with us by paying a $99.00 initial fee, followed by 52 weeks [more...]

Date: 2008-12-18 19:00:04

Weekly Carnivals and Roundup

This week I participated in multiple carnivals. Also next Monday I’ll be hosting the carnival of Twenty-Something Finances ... this week MoneyNing asks does credit card spending limit affect your credit score?  I have heard ... .  Please submit a post here, and come back on Monday to check it out.  Also please leave a comment [more...]

Date: 2008-11-14 17:00:48

Credit Scoring Is About To Change But How And When?

In a nice change of pace, all three credit reporting agencies, Experian, ... the AdvantageScore its own way and will set its own price. However, you will still be able to get one free credit ... Equifax and TransUnion have joined together in developing a new way to score your credit [more...]

Date: 2009-01-15 05:10:40

GMAC: Three Key Questions

By James Kwak I’m a little late to the GMAC bailout story, but after reading all the newspapers and blogs I usually read, ... that GMAC will start lending to anyone with a credit score above 620, down from their previous minimum of 700. (The median credit score in the U.S. is 723.) [more...]

Date: 2009-01-01 11:25:17

GMAC Now Officially Requires 700-Plus FICO Score For New Car Loan [Financiapocalypse]

The Financiapocalypse continues. We just received a copy of an e-mail that went out at GMAC, the lending arm jointly owned by GM and Cerberus, ... : you'll now need a minimum 700 credit bureau score to get a car loan at dealer invoice or below from GMAC ... consumers who have a minimum 700 credit bureau score, with an advance rate equal to or less than [more...]

Date: 2008-10-13 22:20:00

Check Credit.

In my opinion, owning credit cards are advantageous in these difficult economic times..but ONLY if you are a responsible and disciplined user ... or loan makers, there’s this site that can help you know your score. This credit report is based ... transaction that involves credit activities. At checkcredit.pro, you’d be able to request instant [more...]

Date: 2008-11-06 10:11:14

Racing the Clock on DPA Programs: Will The Dems Save the Day?

I had some fun, yesterday, with a report about the down payment assistance ban and the First-Time Homebuyer Tax Credit ... credit score of 620. Compliance to the underwriting guidelines then, could make DPA programs, or 100 ... that the Tax Credit might be collateral for a “tax refund loan”, thereby, facilitating the need [more...]

Date: 2008-08-28 04:26:04

What Can You Expect After a Bankruptcy? The Time Line

Recently, someone called this article to my attention, which extolls the advantages of bankruptcy ... because of BK 4 years to 7 years: Credit score below 680, forget about getting an unsecured credit ... : No credit cards, loans, insurance rate skyrocketed. 1 year to 2 years: No credit cards except secured cards [more...]

Date: 2009-01-09 15:35:08

Housing: Who Got Rich? Who’s to Blame?

Cross-posted by Maggie at Maggie’s Notebook Who do we blame for today’s housing crisis, subprime loans and the Fannie Mae and Freddie Mac debacle? ... credit programs for immigrants…. With these advances in technology, lenders have taken advantage of credit-scoring models and other techniques for efficiently extending credit to a broader spectrum [more...]

Date: 2008-09-17 19:51:39

Should You Walk Away From Your Home?

(source) Despite the struggle, most responsible homeowners don’t think twice about whether they should make the mortgage payment each month ... back from bad credit and don’t want to let your credit score sink again. Whether you choose to fight ... package. Why refinance (if you have equity) or pay the guy who wrote your original mortgage to take [more...]

Date: 2008-12-03 22:29:29

Cook At Home, Red Lentil Soup: The Roundup

Cook At Home, Red Lentil Soup: The Roundup by SVB on December 7, 2008 in Money Roundups It’s getting chillier these days, ... of dollars from your annual home budget. Credit Karma: Perhaps credit scores are now used in new ... to my reading. Here are a few financial articles of note: The Digerati Life: If you’ve got good credit [more...]

Date: 2008-12-10 02:41:33

Tightening Consumer Credit Standards

According to a Federal Reserve survey of senior loan officers at major banks, ... % of banks report that they’ve been actively lowering credit limits, with just under 40% saying that credit ... 52% of banks reported that they’ve increased the credit score required to secure a line of credit [more...]

Date: 2008-12-29 15:00:51

Three Money Mistakes Made by Newlyweds

The average newlywed doesn’t have a lot of money, ... , new car, nice furniture, etc. I had recently paid off my credit cards and my credit score ... but this doesn’t stop them from renting or buying expensive homes or using credit to furnish [more...]

Date: 2009-01-05 16:46:52

Catch Up For Cheap Auto Insurance

Monday, January 12, 2009 Wondering, when do I have my own car ? After so long I used to catch public transportation, now I'm want for my own vehicle ... No matter how bad is my credit score or excellent credit, theautofinder.com could guide me into find [more...]

Date: 2009-01-12 05:51:00

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

Are You Saving Enough In Your 401-k Retirement Accounts? See How You Compare

US News and World Report recently conducted a survey of 401-k participants and broke them down by age group, job tenure, and asset allocation ... ® Credit Score Estimator Related posts:Use a Credit ... ?  Check out the full story on US News and World Report’s site. © Own The Dollar - This posting [more...]

Date: 2009-01-07 16:48:56

From the Archives (June 8th - July 5th)

Here are some of my favorite FCN articles from a year ago the past few weeks: ... for a Successful Moving Sale » Five Reasons you Should Care About your Credit (FICO) Score » The Limits of Frugality » $700 in Credit Card Bonuses (Anyone Can Apply) And here’s what was going [more...]

Date: 2008-07-07 03:35:10

Setting Long-Term Goals and Getting There after College

by Landon McGehee I had a relative graduate from college recently, ... that there aren’t any mistakes on it. You can get one free copy of your report once a year by visiting ... . 1. Know your credit score. You will have a credit report once you borrow money from a lender [more...]

Date: 2008-11-05 19:53:11

Clean Up Your Credit and Save $100,000

What if I told you there’s a potential $100,000 smackaroos in it for you for just sticking with me for another three minutes? Here’s how: Clean up your credit score. Seriously, I’m not going to harp on about how stellar credit means paying less interest on loans, qualifying for lower insurance premiums, and sailing through things like landlord and employment background checks. You know that already. Instead, I’m going to let cold hard cash do the talking. [more...]

Date: 2009-09-22 07:22:31

Reader Question on Unused Credit Accounts

First off, I don’t give out financial advice because I’m not an advisor ... your mind. A strategy you might want to try is to get a credit score report and then close ... check my credit report and found that I have five credit cards open that I have not or never used [more...]

Date: 2008-06-12 13:21:22

Use Your Inactive Credit Cards At Least Once A Year

I just got a letter from Washington Mutual / Chase telling me that they have closed my credit card account with them effective November 14th, 2008 ... Providian) which helps your credit score and it also gave me a free FICO score update each month. Doh ... like a more reasonable response. The easy solution is to remember to use each of your credit cards [more...]

Date: 2008-12-06 17:32:34

How to Set New Year’s Financial Resolutions You Can Keep

(source) Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s ... goals. So start by finding out where you currently stand with a credit report from CreditReport.com or Equifax. If your credit score is lower than 700 due to some outstanding debt, see [more...]

Date: 2009-01-02 19:55:16

How to Set New Year’s Financial Resolutions You Can Keep

(source) Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s ... goals. So start by finding out where you currently stand with a credit report from CreditReport.com or Equifax. If your credit score is lower than 700 due to some outstanding debt, see [more...]

Date: 2009-01-02 19:55:16

General Motors Fights Uphill Battle with Double Edged Sword

Shortly after the U.S. government lent the Big Three $17 ... GMAC increased its minimum required credit score to 700. This compared to the median credit score [more...]

Date: 2008-12-31 09:33:29

Daily Links: Chocolate Chip Cookies Edition

My wife isn’t a big blog reader. She reads my sites and the sites of our friends, but that’s about it ... featuring five signs you’re living beyond your means. Is your credit score less than 600 ... You have to own a credit card,” people always say, “if you ever want to rent a car.” But is it true? Jim [more...]

Date: 2008-07-23 23:47:28

Latest News in Credit Repair and Credit Score - Jan 07, 2009

Maligned Arizona defense strong against Falcons - Columbia Missourian 5 Jan 2009 at 11:42pm TEMPE, Ariz ... credit repair solutions. The new online based company http://www.180creditsolutions.com provides a fast ... Your credit report :: - Chicago Sun-Times 5 Jan 2009 at 1:12pm You’ve got a right to get a free copy [more...]

Date: 2009-01-07 17:39:55

How New College Graduates Must Handle their Finances

by Landon McGehee I had a relative graduate from college recently, ... . 1. Know your credit score. You will have a credit report once you borrow money from a lender or have a creditor that reports to one of the three major credit bureaus (Equifax, Experian [more...]

Date: 2008-11-12 15:35:58

America's 10 Most Stressful Cities [Most Stressful Cities]

WaMu Begins To Sell Itself ... views, Comment Credit History PRBC Helps You Create A Credit Score From On-Time Rent, Bill Payments Payment Reporting Builds Credit (PRBC) is an alternative credit reporting agency [more...]

Date: 2008-09-18 20:13:47

Mark Your Calenders - Credit and Bankruptcy Lunch and Learn

Copyright RealCentralVA.com, LLC. If you are not reading this at RealCentralVA.com the site you see is likely stealing content ... ? · How much will bankruptcy cost? · How do I get credit after bankruptcy? · How do I improve my credit score? · Can I buy a house after I filed bankruptcy? View Larger Map Limited Seating [more...]

Date: 2009-01-08 14:00:01

Secured vs. Unsecured Debt

credit card In speaking to a friend recently about credit cards, mortgages, and personal finance, ... to back it, so the creditor can only attack your credit score and not your home. There are secured credit cards, where you pay a specific amount up front to the creditor, for instance, $500 [more...]

Date: 2009-01-14 12:29:37

Get Good Credit if You Want to Buy a Car

In this time of economic uncertainty many are putting off a major purchase such as buying a car. Why incur even more debt? ... a service such as FreeCreditReport ($12.95/month for credit score and monitoring) or myFico ... , but their threshold for extending credit has typically been lower than actual banks. What many don’ [more...]

Date: 2008-10-30 00:43:30

Finding The Right Credit Repair Service

If you're dealing with bad credit, you know that it can be really difficult to get a loan ... score. A credit repair service starts by looking at your credit report. Once they see ... to lenders and others who use your credit report to determine your trustworthiness will pay close attention [more...]

Date: 2009-01-11 20:51:20

September's Best of FIRE Finance - 2008

... from Wells FargoBest Gas Credit Cards (Popular)myFiCO Credit Score Watch - 30 Days FREE Trial Promotion$100 ... 2008. Check out the Top 100 Personal Finance Blogs - Ranked By Traffic. PF Articles Popular [more...]

Date: 2008-10-06 16:23:53

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

Afternoon Edition of Friday’s Rates

Today stocks are rallying based on the events that were announced this morning: ... with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 ... @ 1 Pt:  6.875% (APR 7.550%)   by 0.875% to rate FHA.  Pricing based on credit score of 620 [more...]

Date: 2008-09-19 20:09:31

Review of Lexington Law Firm

by John Cooper Lexington Law is headquartered out of Salt Lake City, Utah. They are a credit repair firm ... , you do not have to live with a low credit score ... . There are over 400 employees and 22 credit attorneys. Their business started in 1991 [more...]

Date: 2009-01-15 00:15:45

Credit Drying Up For U.S. Small Biz

Reuters: As losses mount at American banks and the pain of the credit crisis spreads from housing and finance to the broader economy, many small companies complain it is increasingly difficult to obtain loans. Tighter credit could ... Development Center in Texas. “They are demanding higher credit scores and want more collateral before [more...]

Date: 2008-07-29 14:07:46

Ten for Tuesday (January 13, 2009)

Here’s this week’s Ten for Tuesday. Enjoy! 1. My friend, Lindsay, details how she and her husband are handling allowances. 2 ... , same-as-cash, and no-interest-no-payments. 6. Protect your FICO score as more inactive credit card ... break out the credit cards. 7. The Digerati Life offers up some pointers on preparing for a job [more...]

Date: 2009-01-13 17:39:22

Bing ads to warn of online scams

Microsoft on Tuesday began serving up scam warnings with Bing search results for topics such as fixing credit scores or rescue from home foreclosure that are prime material for online cons.Microsoft worked with the US Federal Trade Commission (FTC), Postal Inspection Service, and Western Union to provide public service announcements (PSAs) in the form of advertising posted on relevant Bing results pages.“We believe this program can help fight back against scams by reminding consumers to exercise [more...]

Date: 2009-10-01 05:21:31

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