6 Step To Improve Your Credit Score Now
Your credit score is probably the single most important number in your financial life ... who hasn't? Lenders aren't that much different. Pay Down Debt 30% of your score is based on the how much [more...]
Date: 2008-12-02 17:06:27
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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": ... loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian business ... and score Home improvement loan maine Debt consolidation services Credit report credit score [more...]
Date: 2008-06-24 14:10:35
On Credit Cards and Free Credit Reports.
Finally I was able to pay online my credit card dues yesterday. It’s not that I’m short on funds (since my bill is just a few hundred bucks) ... credit reports. If there are corrections, they should notify the agency to remove credit report ... . I know that paying on time affects my credit score so I always try oblige to my hubby’s reminder. Sometimes [more...]
Date: 2009-01-15 06:40:58
Three Money Mistakes Made by Newlyweds
The average newlywed doesn’t have a lot of money, ... credit cards like it’s their last day on earth. I don’t meddle in other people’s affairs, however ... , new car, nice furniture, etc. I had recently paid off my credit cards and my credit score [more...]
Date: 2009-01-05 16:46:52
Your Credit Score is Costing you Money
by Rob Kosberg There is a mystery among us. It’s called a CREDIT SCORE and is something that many of us don’t understand and may not even know ... credit risk,” we need to repair our credit. It is possible that some of us are in for a surprise ... aware that that a “low” score will result in difficulty obtaining a mortgage, credit card, and car [more...]
Date: 2009-01-15 09:32:20
Fix Bad Credit
by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]
Date: 2009-01-14 19:07:31
Making Sense of Your Credit Report
by William Blake If you are trying to do the smart thing and take a look at your recent credit report, ... score. There is also credit card counseling services ... you will be extended any credit with a good rate of interest, if you were looking for a debt [more...]
Date: 2008-10-03 16:23:30
Credit Repair After Bankruptcy
by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... a new revolving line of credit such as a credit card. This will help you build some positive credit ... of available credit to debt. It may not be the most ethical [more...]
Date: 2009-01-07 23:54:48
Read More Information About IVA inside this Blog Publication
One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]
Date: 2009-09-27 21:55:32
Keeping Your Mortgage Interest to a Minimum
When it comes to buying a home and taking out a mortgage, the fact is that the interest you pay will likely be your biggest expense ... things you may not have thought of. Before applying for a loan, many people close credit card ... their lowest interest rates for those with the very best credit scores and credit histories [more...]
Date: 2009-01-15 02:50:33
Sexually Transmitted Debt: Eewww!
By Nora Dunn commingling You can contract more than just disease by sleeping with the wrong person…watch out for sexually transmitted debt, ... up on it; there is no blood test for this one. Your bank book and credit score though: they will bear ... aside, they shared many things, including Scott’s credit card, Scott’s credit rating, and Scott’s cash [more...]
Date: 2008-10-23 02:42:47
Do you need Credit repair?
In these hard economic times, the credit cards seem to get a little more use than usual ... to improve credit scores, or repair credit. It can't hurt to read and get information if you think ... recently was Repair Your bad Credit, it looked to have a ton of info on the subject. I find it helpful [more...]
Date: 2009-01-13 21:48:00
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 ... . This product is important for anyone who is sick of the debt collection calls and is feeling the burden [more...]
Date: 2009-01-11 14:35:09
Bad credit mortgages
by Mary Bush A bad credit loan mortgage is a way of purchasing a house, even with a poor credit score ... Consolidation News Best Tips to Manage and Eliminate your Credit Card Debt ... interesting residential property acquisition program. No credit is needed, no banks are involved, and most [more...]
Date: 2008-12-22 16:39:25
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
How Credit Repair Services Can Help You Be Debt Free
a credit repair business Unfortunately, the world is set up to encourage borrowing ... techniques, end collector calls and teach people how to reduce debt. Debt consolidation credit ... loan, you’ll need an unsecured credit card and a lender to get by. Americans with credit scores [more...]
Date: 2008-12-15 21:41:26
January 7 - IBM/MSFT Layoff Rumors Remain - Oglivy Cuts 10% - LM Glasfiber Spins 150 Out the Door - Cessna Warns - 400 Less at Barclays - Aloca Sheds 15,200 - EMC Deletes 2400 - Lenovo Erases 2500
Mike: Good day to all ... with credit scores of 500 who don’t have a steady job. Credit cards are drying up for many, which prohibits those with marginal credit from purchasing with credit cards. Homes are no longer ATMs [more...]
Date: 2009-01-07 13:47:48
soon, but not now.
Although I have no plan of getting another credit card after all the things that I’ve been through, I am still hoping that one day, ... for most. In my case anyways, I am still making my way to improve credit score since, I have lost most ... my payables completely, still, everything has this effects or has affects my credit score. Sad [more...]
Date: 2009-01-15 17:28:10
The Bad Credit Hotel Online Game
Are you suffering from too much debt? If so, then maybe you need to spend a night at the Bad Credit Hotel ... inside it? What is a credit score and where is it based? Information about credit counseling ... . It hopes to teach young people about responsible credit card use and educate them regarding debt [more...]
Date: 2008-11-23 18:14:40
Suze Orman’s Free Book - Fixing Your Finances in 2009
Barack Obama’s speech warning of devastating unemployment levels and a lengthy recession was no surprise to most Americans ... to do this year. For example, the general Credit advice for 2009 is: Make it a priority to pay off your credit ... to get your FICO credit score above 720. Be very careful where you turn to for help with credit card debt [more...]
Date: 2009-01-09 13:29:00
Types of Credit Repair Services
Types of Credit Repair Services December 31st, 2008 Subscribe To Our Feed Unfortunately, the world is set up to encourage borrowing ... loan, you’ll need an unsecured credit card and a lender to get by. Americans with credit scores ... ll learn how to permanently stay out of debt and rebuild a positive credit history through [more...]
Date: 2008-12-31 20:38:00
Best Student Credit Cards
Best Student Credit Cards by jim on December 27, 2008 With the new FICO score rules removing the impact of piggybacking, ... cards are that the limits are low but you can still fall very deep into debt. Only spend that which [more...]
Date: 2008-12-27 17:09:34
The Secrets Of How To Consolidate Debt
If you find yourself facing a mountain of monthly payments and see your outstanding loan balances hovering at the exact same amount for months or ... consolidation method is to transfer high-rate credit cards to a lower-rate card. However, consumers ... even years, you may be wondering how to consolidate debt in a way that protects your credit score [more...]
Date: 2009-01-15 01:32:23
Credit Scoring Is About To Change But How And When?
In a nice change of pace, all three credit reporting agencies, Experian, ... simpler and easier for both consumers and credit providers. If you’ve applied for a credit card ... Equifax and TransUnion have joined together in developing a new way to score your credit [more...]
Date: 2009-01-15 05:10:40
Where Can I Find Debt Consolidation Information - And How Can I Get Started?
Millions of people find themselves in debt every year ... consolidate debt” and so forth. Depending on the state of your credit rating or credit score ... with you and your creditors to find solutions. Often a credit card company will agree to reduce the amount [more...]
Date: 2008-12-31 00:24:32
Tony Writes In “I Have Too Much Debt On My Credit Cards”
Tony wrote to me through the GetOutOfDebt.org site asking for advice ... your credit score and credit report then you need to think about repaying your debt without going into a credit counseling program. The basic techniques you need to follow are to develop a budget [more...]
Date: 2008-10-07 20:37:46
Debt Reduction is more Important than Your Credit Score
If you are a baby boomer with a pile of consumer debt, you are not alone ... those with significant credit card debt to worry about. According to a report from the New York ... it) is a willingness to negotiate some of that debt away without regard to its effect on your credit score [more...]
Date: 2009-01-04 00:34:49
Confessions of a Subprime Lender by Richard Bitner
Title: Confessions of a Subprime Lender Author: Richard Bitner Publisher: John Wiley & Sons Books (2008) Here’s why the mortgage mess happened: If you had a Target credit card with a $100 maximum ... had a credit score of 580 (considered very low) you qualified for 100% financing! 100% financing [more...]
Date: 2009-01-15 11:00:32
Fix Bad Credit
by John Cooper If you have a low credit score contrary to popular belief you do not have to just wait seven years for your credit report to ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account [more...]
Date: 2008-12-24 10:55:40
FreeCreditReports360 US
Ratings For This Site Rating: ★★★★★ About This Site What is a Credit Score? ... that measure many variables in your credit report such as payment history, public records, and debt ... out your creditworthiness before you: * Apply for a loan * Buy a car * Apply for a credit card * Apply [more...]
Date: 2009-01-07 02:28:54
Is Using Credit More Expensive? Not Always
One of the biggest things that anti-credit proponents like to hold up is that using credit is more expensive. But is it really? ... save you money - a lot of money. Using your good credit score to help you leverage your debt ... With A Cash Back Credit Card - My favorite method for this works especially well when you shop online [more...]
Date: 2009-01-05 13:14:47
Credit Repair Tips and Tricks
The best part about finding a third party credit counselor to tackle your credit repair is that you won’t feel so alone ... a larger portion of your available credit. Last off, look at getting what is known as “good debt,” ... , you should work at boosting your score to at least 700. Reduce your credit card balances down [more...]
Date: 2008-11-24 18:27:25
What You Can Do To Keep Your Credit Score Afloat
Are you ready for a fresh financial start this year? Here are a few easy ways to spring clean your credit score, and begin today to pay down your debt ... or not you are searching for new credit. Every department store card you apply for reflects as a negative [more...]
Date: 2008-04-29 21:58:58
I got 78% C
I just took a Bills IQ test to see if we're financially fit and I got a score of 78 % C.! ... . :) I also realized that loans and credit card payments must indeed be paid on time, if not interests ... be the last resort if we're not careful with our paying our loans and credit card on time. But it is a good [more...]
Date: 2008-07-24 01:08:00
Does Your Credit Score Matter?
Almost every other day I see those goofy commercials on TV for your free credit report ... this information doesn’t help. In reality, most lenders are more concerned with your debt-to-income ratio than ... is actually calculated). If you have a large amount of revolving unsecured debt (primarily credit cards [more...]
Date: 2008-11-26 23:03:58
Financial Goals for 2008: Reviewing Our Progress
A year ago I wrote up a list of financial goals for 2008. Today, I thought I’d take a look back at them and see how we did ... on our credit scores. As far as account consolidation goes, we still have a number online savings ... successful, in that we dropped down to two main credit cards (Amex Blue Cash and Chase Freedom) while [more...]
Date: 2009-01-02 22:28:10
Citigroup: Bowing to the Inevitable
Citigroup’s (NYSE:C) move to spin off its Smith Barney brokerage unit into a joint venture with Morgan Stanley’s (NYSE:MS) ... of operations in scores of countries, the notion that having a consumer credit card operation under a common ... some of the international banking units and transaction processing. We note that HSBC has publicly [more...]
Date: 2009-01-14 19:02:24
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 ... or Equifax. If your credit score is lower than 700 due to some outstanding debt, see if you can get those bills paid off as early in the year as possible. Pay the credit cards with the highest interest [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 ... or Equifax. If your credit score is lower than 700 due to some outstanding debt, see if you can get those bills paid off as early in the year as possible. Pay the credit cards with the highest interest [more...]
Date: 2009-01-02 19:55:16
If you are unable to payoff…
…your credit card debt short-term, consider asking your creditor for an increase in credit. By decreasing the ratio of your balance to the credit limit will be taken to account in most credit scoring models. [more...]
Date: 2009-01-10 17:35:36
How Much Is Your Credit Score Costing You?
I hate to say it, but just change your time is no longer sufficient. There was a time when everything you do, good credit to have ensured that all your bills ... , simple decisions you can not pass on your credit card. But why? What is the average consumer, which [more...]
Date: 2009-01-14 13:14:07
Collector Threatens Jailtime Over Dead Debt [Debt Collectors]
Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... of limitations on the debt has well passed and threatening to send a debtor to jail is a violation of Federal law ... but now RSI Claims Process Services is hassling him about a 12-year-old credit card debt [more...]
Date: 2008-10-24 21:04:06
Becoming Debt Free
Becoming Debt Free Posted By William Blake on @ 9: ... balances, especially credit card debt, experience emotional stress that can make it difficult to enjoy ... more for the items you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score [more...]
Date: 2008-11-18 21:10:43
A Guide to Repairing Your Credit Score
by Mary Bush In the United States, as well as many other countries, ... for skipping a payment, it may come back to haunt you later. Keep your credit card payments at a level ... . Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates [more...]
Date: 2009-01-01 08:28:50
A Guide to Repairing Your Credit Score
by Mary Bush In the United States, as well as many other countries, ... for skipping a payment, it may come back to haunt you later. Keep your credit card payments at a level ... . Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates [more...]
Date: 2009-01-02 22:12:26
A Guide to Repairing Your Credit Score
by Mary Bush In the United States, as well as many other countries, ... for skipping a payment, it may come back to haunt you later. Keep your credit card payments at a level ... . Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates [more...]
Date: 2009-01-10 08:35:57
THE FINTAG NEWSLETTER @ 25 August 2009
FINTAG COMMENT Plastic Ono Bank. Bank of America is having trouble packaging up its credit card receivables and flogging them on. You see, to get a decent FICO score you need debts that are likely to be paid back but BoA seems unable to throw any into the mix. I made the error yesterday of stating Mastercard and Visa were in trouble and rightly so I was shot down for they are payment processors not debt holders. I was using a metaphorical term but it didn't work. [more...]
Date: 2009-08-25 23:35:00
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 a risk criteria anytime you apply for a personal loan, credit card, or auto loan [more...]
Date: 2008-10-02 12:12:54
Mary Lou Writes In And Wants To Know “Why Does My Credit Score Keep Going Down?”
Mary Lou wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy ... on one credit card and $7,300 on my car for a total of $12700. In January 2008, I owed over $26000 [more...]
Date: 2008-10-09 21:13:13
Take the Bills IQ Test
I just took the Bills IQ test. I didn't get a very good score. My overall score was a 63%, which is actually a D ... to consider Debt consolidation. By paying off high interest credit cards first I could be closer to achieving Debt relief. I also learned that I really should have some sort of plan with my finances. I guess [more...]
Date: 2008-07-22 14:55:00
