Your Credit Score is About to Become More Valuable

Your credit score is about to get a boost in value, at least as long as it is reasonably good. Because of the current economic crisis, many lenders are tightening their lending requirements, and having a higher credit score will make it easier for you to get a loan in this environment. Why [more...]

Date: 2008-09-30 11:44:27

Blog posts (177) | Videos (212)
 

Free Credit Report: Accessing Your No Cost Beacon Score

Your credit report credit score is basically a representation of your finances and in many cases your net worth ... is more important than ever before. Getting a loan for a home, business or ever a vehicle has become ... with their criteria for approving loan applications [more...]

Date: 2009-01-07 20:30:34

Credit Scoring Rules are Changing (again)

Not too long ago, FICO changed its credit scoring formula.  Remember when it changed the way it handled “authorized” users?  Well guess what? ... . If your credit card issuer slashes your credit limit…you could see your scores plunge, regardless of whether ... have few open, active accounts. Because more credit card issuers are shutting down unused [more...]

Date: 2008-12-30 13:00:02

Good Credit Report Score

Good Credit Report Score December 20th, 2008 Subscribe To Our Feed Bankruptcy is an option but the laws have changed and it is not always the ... what you are getting yourself into. Credit card debt consolidation companies must be of concern ... there are some ways of credit card debt relief. There are no instantaneous solutions [more...]

Date: 2008-12-20 06:19:18

Why Is It Essential To Have A Good Credit Score?

by Jason Bishop A healthy credit score is principal in our financially driven order ... your credit history recently, then you must take measures to repair the trouble rapidly ... don’t recognize that Receiving a good credit history can aid them with employment opportunities [more...]

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

Checking Your Credit Score

Most people don’t know their credit score. What does that mean? ... on your pay habits and the amount of debt you have. Paying your bills on time, keeping balances low on revolving debt and avoiding excessive inquiries can really help improve your credit score [more...]

Date: 2008-12-23 11:58:12

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 ... , payment history, and the types of credit you currently have. So let’s take a look at the various factors in more depth, and what percentage of your credit score they will generally represent. Payment [more...]

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

FICO Expands Availability of Credit Score

Imagine if you could log onto your online banking account and click on a feature that not only tells you your exact credit score for free each month, ... of credit decisions each year, including more than 75 percent of U.S. mortgage loan originations”), “Scores ... Campbell, chief operating officer at Fair Isaac. Typically, customers will see the same [more...]

Date: 2009-01-15 20:01:41

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

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

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

Credit Score Checkup

Earlier this year I checked my credit report and score with one of the big three reporting bureaus. My score at the time was a 696 ... s one reason why I’m so motivated to bring my debt down. In 1 or 2 more years I want to refinance my 7/1 ARM ... faith phone call to collect the debt. I had no idea I was being billed and it’s not my fault [more...]

Date: 2008-12-11 15:48:31

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

Mid-Holiday Roundup

Here we are, halfway between Christmas and New Year’s. Our holidays started with a relaxing Christmas Eve followed by an enjoyable Christmas morning ... Reasons Why Credit Unions Kick Ass @ pfBlueprint List of 50 Largest Mutual Fund Companies @ GenXFinance ... Dollar Journey New FICO Credit Scoring System in 2009 @ Credit Addict Credit Cards Made a Little [more...]

Date: 2008-12-29 06:05:13

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret. Gen X Finance reminds us that market conditions shouldn’t derail our investment strategies. With the current damage the market has done to our portfolios, can we really avoid being fair-weather investors? [more...]

Date: 2008-07-16 23:00:00

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 set premiums based on credit scores. She is co-sponsoring the measure [more...]

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

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

Discussing How Foreclosure Affects Your Credit Report

bankruptcy credit report Whether you’ve foreclosed or opted for a short sale, your credit report can show a poor score of as low as 380 ... Credit Counseling Service. “They’re going look at a foreclosure more seriously than ... , as you can steadily improve your credit score over the next few years by taking a few measured steps [more...]

Date: 2009-01-08 04:06:14

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

What to do if you’ve been turned down for a loan

Turned Down For a Loan?  Improve Your Loan-Ability! This article was written by Becky House, Education Manager for American Financial Solutions. For more information about credit scores, budgeting or managing your debt, visit MyFinancialGoals.org or contact Becky at 1.800.894.3946. Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. [more...]

Date: 2009-09-26 14:37:00

What to do if you’ve been turned down for a loan

Turned Down For a Loan? Improve Your Loan-Ability! This article was written by Becky House, Education Manager for American Financial Solutions. For more information about credit scores, budgeting or managing your debt, visit MyFinancialGoals.org or contact Becky at 1.800.894.3946. Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. [more...]

Date: 2009-09-26 14:37:00

Debt Consolidation: Will It Help Me?

We are in uncertain economic times.Many are falling behind in mortgages, student loans, car payments and credit card payments ... clearly explains what bankruptcy, debt consolidation, third party credit counseling and debt settlement ... will negatively affect your credit score and cause an increase in credit card interest rates.One of the best [more...]

Date: 2008-11-30 20:48:00

Loose Change: 1/15/09

houdini_CV_20090115092637.jpg Getty Images Personal Finance: -How to shop for legitimate, nonprofit credit counseling. SecretsForMoney ... -Members of the Pennsylvania State Employees Credit Union will be trailblazers in the free credit-score front. It’s an expansion of the “Scores on Statements” program. WSJ -Along with college [more...]

Date: 2009-01-15 14:30:54

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

Unbiased Road Map to Free Credit Report: Ordering Your Free Credit Score

Your credit rating is basically accurate picture of your bank account and in many cases your net worth ... state of the economy, a good credit score is more important than ever before. Getting a loan [more...]

Date: 2009-01-07 01:46:13

Debt Settlement Companies: Friend or Foe?

These days, lots of people are swimming in debt with nowhere to turn, no access to credit, and no liquidity, with their credit scores shot… and they’re wondering what to do next. Someone I know who is in this predicament just recently asked me for some input. I told them that there are various paths to the same end: to get rid of your debt or to reduce it to some extent. [more...]

Date: 2009-09-09 06:49:11

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

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? ... . If you have a good credit score, but can foresee rougher roads ahead, maybe you should consider debt consolidation ... appear to be a larger payment, in fact you are paying a lower payment to each individual company [more...]

Date: 2009-01-16 03:45:25

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 ... collection accounts in which the original debt was less than $100. This is a big victory [more...]

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

How to Get Out Of Debt

One of the most frustrating financial situations for a consumer is carrying unnecessary debt ... you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score, especially ... credit card debt, experience emotional stress that can make it difficult to enjoy other areas [more...]

Date: 2008-05-03 02:32:47

Debt Consolidation – Helps You Improve Your Credit Score

Whenever people are surrounded with debts, they depend only on professionals who have some knowledge in this field to let them get out of their ... their credit score by applying for a debt consolidation and their monthly payment also gets lowered ... by reading books that are related to finance and implementing it in their real life. Debt [more...]

Date: 2009-01-16 02:06:32

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

More Inactive Credit Cards Being Closed: Protect Your FICO Credit Score

If you haven’t heard already, several large credit card issuers (Chase, Washington Mutual, Citibank, Capital One, HSBC) ... . Some credit repair experts say it does, others disagree. However, if someone does a manual review ... are currently closing millions of consumers’ credit cards without prior warning due to inactivity [more...]

Date: 2009-01-07 11:48:09

Why Are My Credit Cards Being Canceled?

In today’s economy, credit card companies are changing interest rates at whim (at least until the new credit card laws go into effect…in July 2010 ... . And this could ding your credit score a little bit, which is not something you really want to happen ... by following this simple tip - it helps your credit score and it lets you keep all your available cr [more...]

Date: 2009-01-07 16:59:00

Credit Scoring - Does it Matter?

If the borrower has a satisfactory credit history and the ability to pay timely payments, ... is ordered by the lender and the credit reporting agency establishes a score to help a potential lender ... o Adverse Public record information o Evidence of collection accounts o Recent delinquent [more...]

Date: 2008-12-21 12:10:33

GM Loosens Credit Restrictions

In a rare instance of seeing an immediate impact on consumers from federal bailouts, GM’s financing arm, GMAC, ... of providing credit to buyers, including an agreement with Midwestern credit unions. The new requirements ... will lower its credit requirements from a credit score of 700 to one of 621 to secure car loans [more...]

Date: 2008-12-30 16:13:12

How and When to Cancel a Credit Card

Update: After feedback from readers, I’ve made some clarifications to this post. My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card can have on your credit score. My recent two-part series on responsible credit card use (Five [more...]

Date: 2008-09-16 12:00:22

Tips On Ways To Increase Your Credit Score

Applying for credit is the best thing to do if you do not have cash on hand to pay for it ... is the primary cause of this problem, you should learn to spend cash only on the essentials. This means ... of the others. The objective here is to be debt free. When that takes place, you can cancel some of them [more...]

Date: 2009-01-14 18:09:04

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

Need a Free Credit Report?

If there is one thing I have learned over the years regarding my finances, I am always on the look out for anything that affects my credit score ... your overall score down. They will even give you a free copy of your 3 bureau report so you can identify any potential errors and have them fixed. If your score is not that great and you want to improve cr [more...]

Date: 2009-01-05 02:31:25

Real Estate: Getting From Where You Are To Where You Want To Be

When I'm driving, and get to busy main streets, I hate turning left onto major streets unless there's a light there ... % financing with a 520 credit score." Three words: Not. Gonna. Happen. But there are alternatives. Seller carry-back or raise your credit score are the first two that come to mind. Given the market right [more...]

Date: 2008-07-20 14:23:38

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

Want to come upstairs and see my credit score?

When should you do it? On the third date? After meeting her parents? Half-way through the first date? When it just feels right? ... credit report is not during the honeymoon. Having the conversation about money and debt ... significant other about his or her credit score probably makes you squeamish, but it’s a subject [more...]

Date: 2008-08-19 10:00:00

Free Credit Report

With all the previous talks about financial freedom, even taking steps towards being free of debts, ... free credit report. This will enable you to get hold of what your running credit score is and allow ... and get started. It is always best to choose a free credit score than to have to pay [more...]

Date: 2009-01-15 04:32:07

Tips On Ways To Increase Your Credit Score

Applying for credit is the best thing to do if you don’t have cash on hand to pay for it ... . If there are, notify the crediting agency where you got this from and send them the supporting documents ... is to be debt free. When that takes place, you can cancel some of them and keep two or three [more...]

Date: 2009-01-15 17:51:46

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

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

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

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

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

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