Do it yourself Credit Repair

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. Round up all credit reports, bill payment and credit card records, loan and mortgage records [more...]

Date: 2009-01-14 23:18:56

Blog posts (102) | Videos (185)
 

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

Debt consolidation

As with most Americans there are few things as bad as being deep in debt ... card consolidation. I will need to get the payment on my credit cards back where I can afford to pay ... . Debt Consolidation is one option that I am looking at and I will need to make up my mind quickly [more...]

Date: 2009-01-08 01:39:30

Housing Good News

December 12, 2008 Here’s a piece of good news about the foreclosure mess and the overall bad housing market ... will struggle when the adustable rate (ARM) adjusts in the future. . Further good news on the credit card front – Another friend of mine fell 2 months behind on credit card payments. He had a 5 to 15 year [more...]

Date: 2008-12-13 01:52:23

No, honest, Bill Clinton swears he's really for Obama -- and a female president someday

After weeks of diddling and dawdling doing the statesman-like work expected of ex-presidents combating hunger, disease and other bad things, ... , including rising credit card debt and home foreclosures, the former president said: "Look [more...]

Date: 2008-10-02 14:43:57

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

Acronyms to watch for: Roubini supports Hillary's HOLC, not RTC/RFC solutions to financial crisis

Here’s a litmus test for whatever Congress comes up with as they huddle with the finance boiz over the weekend: HOLC good, RTC/RFC bad ... , credit cards, auto loans and student loans) while their assets (values of their homes and stocks [more...]

Date: 2008-09-20 19:22:53

Why Internet Marketers Love The Global Recession!

Internet marketing experts are thriving today as never before; ... out the storm on credit. Credit card companies are lowering limits and/or raising the interest rates ... -to-Consumer business is just as bad, if not worse. Millions of jobs have evaporated in the past year alone [more...]

Date: 2008-12-31 05:02:24

2008 Debt

Our homeowners insurance company decided to cover all our expenses for the new A/C unit at our house ... that I hope to get this weekend, best news of all NO CREDIT CARDS! All paid with CASH! Click ... I have some bad news to report, the balance on the CITI Premier Pass card is up this month. The current [more...]

Date: 2008-12-31 06:27:58

Why stop with capping payday loans? Banks are just as bad.

Obviously, banks have better lobbyists than payday lenders, why else can someone who has no problem charging $37 ... than $300, yet, credit card balances can be several thousand dollars. Which is worse, missing a payment on a credit card and having your interest rate go from that low intro rate of 15.9% to 29 [more...]

Date: 2008-06-07 13:02:45

Debts..yikes how do i overcome it

It is a human psycology that we spend more than we earn ... , I AM DEBT FREE!!! I thought I was going to have to spend my entire life paying off credit card bills ... for you to start saving money and get out of debt. Even if you have bad credit, debt consolidation [more...]

Date: 2008-09-02 20:03:23

I’ve Become a Victim of the Credit Crunch

I already knew the credit card companies considered me a deadbeat, but I didn’t think I was that bad.  Sheesh ... be at the moment.  I think that’s bull ish.  But I don’t carry a balance, so I can’t really get mad. 4. Navy Federal Credit Union Platinum Visa Limit: $20,000 Thoughts: Always nice to have a credit union [more...]

Date: 2009-01-08 11:12:43

Personal Loans for Scary Times

The Excorist and The Texas Chainsaw Massacre combined aren't as scary as the current economy ... consolidation, credit card and personal. Better yet, they offer customers quick, no hassle loan ... , there are no application fees, and they offer nationwide services. If you find yourself in a bad credit [more...]

Date: 2008-10-06 13:40:25

Charity Requests

The new year usually results in a lot of bad moods. It's understandable -- this is the time of year when most folks begin diets, quit smoking, give up alcohol, return to the grind of the day job, see the balance on their credit cards soar ... it's January, and everyone is in a bad mood, and many of you are also being flooded with requests [more...]

Date: 2009-01-09 05:00:00

Stack: A lifeline for those niche indie magazines

Here's a great take on the online magazine subscription site. It used to be the sign of a clueless publisher - a website with nothing but a credit card form ... ' magazine Electric Sheep, counterculture bible Arthur and Bad Idea, which bills itself as 'the magazine [more...]

Date: 2009-01-09 19:15:40

The Big Bank Job: The Insanity of the $700 Billion Giveaway by Michael Hudson

Dandelion Salad Sent to me by Jason Miller from Thomas Paine’s Corner. Thanks, Jason ... will get rid of their bad mortgages, and also their bad car loans, furniture time payments, credit-card loans [more...]

Date: 2008-09-28 10:05:07

8 Bad Things You’re Teaching Your Kids About Money

This is a guest post from Jonathan, one of the writers at Master Your Card ... readers to get out (and stay out) of credit card debt. If you’re a parent then you probably ... something. Once they understand this they might actually start turning the lights off when they leave [more...]

Date: 2008-11-28 16:34:36

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking ... stem from our financial habits. Bad financial habits lead to overspending, too much debt, a house [more...]

Date: 2009-01-14 13:00:09

Yet another credit card offer

Well, either the economy isn’t as bad as its cracked up to be or Wall Street doesn’t care that I was out of work for two months. I got an offer for a Discover card in the mail today. [more...]

Date: 2009-01-14 03:24:20

Goldman Sachs Predicts Loan Losses Will Top $2 Trillion

Despite all the hoopla about stimulus plans and bailouts rescuing Americans’ home equity and retirement accounts, ... — the losses that investors and financial institutions are potentially sitting on from bad loans… ... of $780 billion. Add in losses from commercial real estate, credit cards, auto debt and business [more...]

Date: 2009-01-15 23:05:05

Financial Plan for 2009

This year has been a rocky year for me.  The stock market took a tumble.  I never did find a full time job to replace my income ... more next year without cutting off circulation to my legs. While paying off my credit card debt, I need ... . Ideally, I’d love to eliminate $13,000 of my bad debt in 2009.  It’s possible if I find another [more...]

Date: 2008-12-30 13:00:52

CR Retirement Survey: Planning ahead may be just as risky as rewarding

The Press - January 12, 2009 In the wake of big investment losses, ... on entertainment. About one-third have cut their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt [more...]

Date: 2009-01-13 22:42:30

Bullets?

This crazy mobile admin interface won’t let me do bullets, at least not automatically. So this will probably be a confusing, discombobulated post. ( ... t touch my credit cards so I don’t have to worry about I’d theft, and what they did steal is just “stuff” ... ! Just totally crazy kids… Makes me feel bad for their regular teacher! -when I was in the [more...]

Date: 2009-01-15 18:11:58

Making a list, checking it twice…

Ah, I do love making resolutions. I generally revise them on a monthly basis – goals are good! – but here's a snippet of what I'm plotting for 2009 ... some more friends who enjoy playing board games. 7. Part ways with the credit card, for good. Learn to love ... the fact that this resolution is already off to a bad start. 11. Catch up the number of [more...]

Date: 2009-01-02 14:26:51

Show me the money

A good friend and entrepreneur was chatting with me on her phone, while in the post office checking her mail ... . She also includes information on how to make a payment online with a credit card. On the due date ... . A recent study found that businesses wrote off $152.5 billion in bad debt in 2007, based on IRS [more...]

Date: 2008-07-15 13:24:04

Lala Land

Blink and you may miss another government bail-out, loan guarantee, federal plan to alleviate a bad or unwise mortgage, a suggestion for more government funds for a more aggrieved constituency, or credit-card relief proposal, etc. All this is said to be smart and necessary, given that we are told that the problem [more...]

Date: 2008-12-16 00:47:41

A La Carte (1/7)

On Our Watch Ray Ortlund has six valuable suggestions on how to combat the shocking biblical illiteracy that exists in the church today ... I almost feel bad linking to this as the deal somehow just seems wrong. But here it is. "If you sponsor a child online today and make your first month's payment by credit or debit card, you'll receive [more...]

Date: 2009-01-07 13:27:00

Great Creepy CRM video

I found this brilliant CRM video on Michael Seaton’s blog “The Client Side” and thought it was too good not to re-post ... . The problem is that its not all make-belief. Credit card companies, grocery food chains ... by this video.  Smart technology doesn’t make a company bad, bad people do. [more...]

Date: 2009-01-16 03:28:05

Farewell 2008

Every new year gets me thinking… So what have I done this year? Did I get anywhere? How was it? ... of jobs outside of academia, and two full credit cards… and a painting not to mention a slightly uneasy ... it behind me.  Age 35. I guess all things considered, I am not doing too bad. But I wonder, what does [more...]

Date: 2009-01-16 02:54:41

One-Stop Shopping Calamity

The news that Citigroup is considering selling half its Smith Barney brokerage unit to Morgan Stanley is seen as evidence that Sandy Weill's plan for ... from one financial institution. Credit cards, checking accounts, mortgages, brokerage services ... a one-stop financial shop is officially dead. But the financial supermarket is the bad idea [more...]

Date: 2009-01-12 18:00:00

New Congress Looks To Add Mortgage Debt To Bankruptcies - BIG MISTAKE

Congress So we have finally flushed most of the bad debt out of our system in 2008 ... modify other unsettled obligations, such as credit card debt. While the housing market downswing ... problem on the horizon is that Congress is back in session today. Instead of looking at 2009 [more...]

Date: 2009-01-06 14:51:56

Rebuild your nest egg - 17 moves to secure your future now

Consumer Reports - January 2009 When bad investments happen to good people, there's only one thing to do short of weeping: Turn to Plan B ... and household goods. About 20 percent have paid off most or all of their credit-card debt ... and making choices we'd hoped to avoid. We might have to work harder to slash debt, cut spending [more...]

Date: 2009-01-13 22:42:30

Bailout Gets More Costly Due to “Bipartisan” Deal; Foolish Limits on Foreclosure Should Be Removed

Liberal Congressional leaders have apparently reached a deal with the Bush Administration on the principal elements of a $700 billion bailout of the ... student loans, car loans, credit card debt and any other ‘troubled’ assets held by banks.” ... have stuck taxpayers with 100 percent of all losses on any bad loan or mortgage, but not the profits [more...]

Date: 2008-09-28 20:34:55

BANKS FACE ANOTHER BAD YEAR IN 2009

Rising loan losses, the threat of more regulation and tougher competition adds up to another year of poor profits for banks BY DAVID ELLIS ... a significant deterioration in the health of their credit cards and home equity loan portfolios ... and business loans are starting to surface as well. “There is loan quality deterioration across [more...]

Date: 2008-12-22 15:14:10

Ohio School Funding Has Me Seeing Red Today, Literally

It’s no wonder school funding in Ohio makes folks see red. What I got in my mailbox today, did, literally ... today from the Ohio Department of Taxation. This bad boy is all orange, red and scary. One minute you’ ... . We’re just trying to get the credit card balance back to zero after Christmas. The Four Horseman [more...]

Date: 2009-01-10 20:24:00

Host Unlimited Bandwith - The Good And The Bad

It seems that almost everyone you come across has their own web page ... wishing to conduct business on line, you should think about such things as shopping carts, credit card ... on the web, you should seek advice from someone technically competent to guide you on what’s needed to effect [more...]

Date: 2009-01-15 14:28:07

BABY STEPS TO ‘PEACE-OF-MIND’ FINANCIAL MENTAL HEALTH

BABY STEPS TO ‘PEACE-OF-MIND’ FINANCIAL MENTAL HEALTH January 15th, 2009 No Comments 1) Begin to pay off all revolving credit cards. House mortgage and car loans can be factored into monthly financial obligations. 2) Put your “ ... for what you have. Gratitude can cure cancer and bad attitudes. 5) Ask someone every day, “What can I do for you?” 6) [more...]

Date: 2009-01-15 17:55:16

Medical debt adding to credit crisis and economic problems

For me this is one of the most disgraceful aspects of the Republican control in America ... led them to amass a pile of credit card debt and forced them to refinance the mortgage on their house ... where someone either went into debt or feared going into debt so opted for no health care or a bad [more...]

Date: 2008-10-30 05:57:01

Bank Loan Stats: The Good, The Bad & ........

The Federal Reserve's survey of loan quality for U.S. commercial banks is in. Bottom line, it's still all about residential housing delinquencies and charge-offs, which remain ugly and are killing the banks. Surprisingly to some, credit card delinquencies and losses are holding up reasonably well, [more...]

Date: 2008-11-19 02:12:16

A perfect storm: the UK’s next banking crisis

The UK has recently undergone a banking crisis, the reasons for which have been much analysed, ... are predominantly made up of credit card debt against households which are breaking all records for indebtedness ... potential in profitable times    All of this means banks are facing wave upon wave of bad debt [more...]

Date: 2009-01-06 12:31:36

Consolidating Debt

With the bad market now, a lot of people turn to get help to consolidate debt ... or pay off credit card bills. By the way, various programs are available for consolidating debt ... that is applicable to you. Technorati Tags: Debt,Consolidation,Credit Problem [more...]

Date: 2008-09-18 19:32:03

Obligatory Look Ahead at 2009

Now that I’m high on accomplishment, time to voice my intentions for 2009. Money ... that last credit card. Fully fund my Roth IRA for 2008. Determine how and where it’s prudent to combine ... I spend and where it goes. I hope and expect that this year will be the year that I go from bad-debt [more...]

Date: 2009-01-05 01:05:56

Is It A Good Or Bad Thing That So Many Companies Are Going Out Of Business?

What exactly will 2009 bring us in terms of businesses closing down for good? ... $2.56 trillion in consumer debt, with the average household’s credit card debt amounting to $8,565 ... filing for bankruptcy or are already in it, so we won’t know if some of them make [more...]

Date: 2009-01-06 14:00:00

Avoid Payday Loan

If you spend more than you earn on a regular basis, it is a bad practice ... to borrow a loan, so you can save 15-30 USD by not paying the loan interest! • Use your credit card ... companies often make use of your needs and leads you into the debt trap. The most obvious drawback [more...]

Date: 2008-12-04 12:36:55

Life After Debt

By Alphonso Smith Bad credit hangs over your head like a deadly guillotine. Although it can be all comsuming, it can be overcome ... desirable credit, you may have given up on ever getting an unsecured credit card. The truth is that bad credit and bankruptcy do not necessarily deprive a person from obtaining a credit card [more...]

Date: 2008-12-15 20:03:13

If you've got $13,000 in bad credit card debt, ask for help!

bank of j. Or at least stop adding to it :) One of my friend's bf had been going slowly under in credit card debt for years now, ... bad it actually was. He was $13,000 in credit card debt, spread across 3 cards with interest rates ... me want to vomit when i heard that...can you imagine? it's one thing to have a lot of debt [more...]

Date: 2008-08-28 15:57:30

Evil Credit Card Tricks

It was really interesting reading the comments in my Why You Should Never Live on Cash post. Many of you understood what I was talking about ... to avoid them. Do Not Pay Until 2010 This one is a classic. You’re offered a credit card with a free ... Cards are evil mindset. When it comes down to it, it’s not the Credit Card that is bad, it’ [more...]

Date: 2009-01-02 23:32:16

Breakaway from Bad Credit!

No more bad credit! Outtadebt.com has helped thousands of people just like yourself get out of high interest rate credit card debt and other high interest monthly payment loans through their bill consolidation loans. One type is through ... type of loan , in a sense, compared with the popular credit card that everyone seems to have nowadays [more...]

Date: 2008-11-27 17:51:51

Credit card debt and a bad market are hurting debtors

Recently here in the superpower country the United States of America we are sensing the full blown result of what a economic slump can do ... in unsecured credit card debt are also the ones who are going through the most hardships. People should ... . These methods include the world renowned consumer credit counseling (CCCS), credit card debt settlement [more...]

Date: 2008-12-14 16:07:23

Credit card debt and a bad market are hurting US residents

Today here in the great country the United States of America we are sensing the full blown end product of what a economic slump can do ... in unsecured consumer credit card debt are also the ones who are going through the most problems. People ... about to get out of debt. These methods include the world renowned credit counseling, credit card debt settl [more...]

Date: 2008-11-05 00:02:15

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