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 ... ) which will be made tougher by the loss of income. There are many debt consolidation and loan ... back from bad credit and don’t want to let your credit score sink again. Whether you choose to fight [more...]

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

Blog posts (177) | Videos (212)
 

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

check your credit report

Credit record is an asset here in the U.S. I would say that we must really take care of it ... affects my credit score. And I hardly ever use my credit card. I have a friend whose credit rating ... . We should use our credit cards wisely and pay off our debts on time. Otherwise, debts could [more...]

Date: 2009-01-15 20:31:06

What Brought Us to the Brink of Disaster Shall Be Repeated

What Brought Us to the Brink of Disaster Shall Be Repeated Posted by Karen DeCoster at 02:14 PM Hurry to your local GM dealer, ... for you -- and said it would extend credit to buyers with credit scores as low as 621 -- right on the edge of subprime territory. The median credit rating is 723. This is from the Wall Street Journal. I heard [more...]

Date: 2009-01-01 20:14:57

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

Latest News in Credit Repair and Credit Score - Oct 8, 2008

Thumbs up for FICO revision - Baltimore Sun 2 Oct 2008 at 9:17pm F air Isaac Corp ... by the foreclosure wave. Two years ago, a 620 FICO score was … Ulzheimer: Why the ‘Debt Settlement’ Business ... companies offering to cut your debt in half and make one low monthly payment. If you are … Credit Crunch [more...]

Date: 2008-10-08 15:27:58

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

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

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

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 Do I Get Personal Loan With Fair Credit Score But Debt To Income Ratio Is High. I Had Been Declined?

I just got a new job as a nurse, my college loan, car loan, co-signer daughter car loan, mortgage payment, owned a house but no more equity left. my credit score is fair, no late payment. I need immediate financial need to keep me going for the next 6 month. Where can I get quick loan ? [more...]

Date: 2009-09-27 10:51:16

What's going on with GMAC's car loan standards?

Filed under: TransportationFlush with capital from taxpayers, GMAC is lowering its underwriting standards ... loans up to 700. Now credit scores as low as 621 will qualify for some form of GMAC finanncing ... to Equifax, this is an approximate breakdown of Americans' credit scores; 15% of the U.S. population [more...]

Date: 2009-01-02 23:00:00

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

Repair Your Credit Today!

Nowadays, we cannot deny the fact that there is bad credit or what we are considering as incorrect credit ... . 29% of consumers have variances of 50 points or more in their credit scores as reported by each ... statistics of errors in credit reports. Here are the following: 79% of credit reports contain some type [more...]

Date: 2009-01-11 01:34:00

Your Guide to Do It Yourself Bad Credit Repair

by Landon McGehee With each day that passes, a poor credit rating will become more of an expense. Improving your credit score really does pay off ... Commission, which is the government agency responsible for protecting the rights of consumers, tells us in plain English, “Do yourself a favor and save some money. Don’t believe these statements.” This a [more...]

Date: 2008-11-05 11:51:44

Your Guide to Do It Yourself Bad Credit Repair

by Landon McGehee With each day that passes, a poor credit rating will become more of an expense. Improving your credit score really does pay off ... Commission, which is the government agency responsible for protecting the rights of consumers, tells us in plain English, “Do yourself a favor and save some money. Don’t believe these statements.” This a [more...]

Date: 2008-11-04 08:35:48

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

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

How Can REALTORs Find More Buyers, in 2009 ?

I asked this question, on LinkedIn, two weeks ago.  Here's what I heard: Danilo Bogdanovic Real Estate Consultant, Realtor, Blogger, ... his buyers accumulate a down-payment, perhaps working with them to improve their credit score at the same ... out there with great incomes but lousy credit -- more every day. If an investor -- or ordinary [more...]

Date: 2008-12-18 20:14:41

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

N.J. man learns modifying mortgage to cut payments may impair credit rating

by Moe Bedard on September 29, 2009 · 0 commentsin American Nightmare To confuse consumers even more, not all lenders follow the guidelines.That may change on November 1, when lenders can use a new code to report them as a “loan modification under government program.” The code will clarify which borrowers have taken modifications, but because the modification process itself is not streamlined, it won’t be the only worm squiggling out of the can.The bigger impact on credit scores may depend on how [more...]

Date: 2009-09-29 13:48:05

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

Latest News in Credit Repair and Credit Score - Jan 14, 2009

Trailer Report - Edmonton Sun 11 Jan 2009 at 2:00am Share: Daily Newspapers - Toronto Sun - Calgary Sun - Ottawa Sun - Edmonton Sun - Winnipeg Sun - London Free Press - 24 Hours Vancouver - 24 Heures Montreal - Brockville Recorder & Times - Chatham Daily News - Fort McMurray Today - Grande Prairie … Shape up your credit report - The State [more...]

Date: 2009-01-14 08:19:33

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 ... some form of payment. For example a charged off account has likely been sold to a collection agency ... to dispute the item. These include; escalated dispute information requests, debt validation [more...]

Date: 2008-12-28 13:54:55

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

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

HOUSING PUSH FOR HISPANICS SPAWNS WAVE OF FORECLOSURES

For years, immigrants to the U.S. have viewed buying a home as the ultimate benchmark of success ... loans, which carry high interest rates and are tailored to borrowers with low credit scores or few ... multiple cash jobs, but had no savings or established credit history to allow them to qualify [more...]

Date: 2009-01-06 13:19:54

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

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

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

Your Credit Score, Your Sanity

I decided to sign up for credit monitoring at www.myfico ... you for an uncollectable debt, as the original creditor or the assigned collection agency cannot take ... that paying off a collection account will not remove it from your credit report. It will stay [more...]

Date: 2009-01-04 02:41:50

White House Throws GMAC $6 Billion Rescue Line

Remember when the Bush administration was opposed to tapping the $700 billion Wall Street bailout to help Detroit’s Big Three? Fugetaboutit ... from a minimum credit bureau score of 700 two months ago down to a score of 621. From a statement from GMAC President Bill Muir: We will continue to employ responsible credit standards, but will be able [more...]

Date: 2008-12-30 16:29:15

Credit Repair In Four Easy Steps

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... the next highest interest rate. Before you know it, you’ll see substantial credit card debt reduction ... credit repair Attorney says that a healthy credit portfolio includes both the unsecured credit card [more...]

Date: 2008-11-27 12:15:18

How Millions of American Will Lose Their Homes

Posted By: admin| 2009.09.29 The Option ARM crisis has not hit yet. The Option ARM is not a Sub Prime loan!! People with good credit scores and low income have this too. Reckless home purchases and refinances with no long-term goal. **Please note – 61 was assumed to be interest-only payment for this video at 00:15 seconds…so, it should of been 8% fully indexed rate instead of 7%. Doesn’t change much, just that one slide…I caught it too late. [more...]

Date: 2009-09-29 11:11:22

Tips on How to Keep Away From the Credit Repair Path

If you are lucky, you are reading this as one of thousands of Americans who has a stable “good” score on their credit ranking ... . Lately, you may have heard one of dozens of freecreditreport.com commercials advertising how important credit can be, and it is true. While the commercials may be exaggerated, once you get yourself ... [more...]

Date: 2009-01-04 12:50:09

Does It Pay to Re-Finance?

Does It Pay to Re-Finance? Refinancing your mortgage can be an excellent opportunity to save money and get better terms on your home loan ... of re-financing. These situations include when rates of interest drop, when the householders credit ... t be longer than the householder plans to retain the property. Credit Score Improvements [more...]

Date: 2009-01-08 14:49:52

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

myFICO 25% Discount Code

This is just a quick note to let you know that there’s a new discount code out there for myFICO . Unfortunately, it’s only good through September 30th, so you have to hurry. Here’s the scoop… Simply enter promotional code ‘ FinancialHelp25 ‘ to get 25% off your purchase. Thus, if you’re interested in something like FICO Standard , which gives you access to either your TransUnion or Equifax FICO credit score, you can get it for $11.96 instead of $15.95 . [more...]

Date: 2009-09-29 20:45:07

Why would anyone buy a home today?

From MarketWatch: Home buyers advised to look before they leap Fox-Pitt Kelton home-builder analyst Robert Stevenson said Wednesday he thinks this ... or no down payment and shaky credit scores are long gone. For buyers, the big fear is purchasing ... foreclosures, falling home prices, and a tightening credit market — millions more Americans are now [more...]

Date: 2009-01-07 18:21:09

Rapid Credit Rescoring - What it Can and Cannot Do For Your Score

by Cliff Pape Are you worried about qualifying for a loan or just paying too much interest due to inaccuracies on your credit report? There are companies that specialize in rapid credit rescoring which will give you a recalculated score in a couple days. These companies have special relationships with the 3 big credit agencies [more...]

Date: 2009-01-07 20:38:09

Buying the Auto Industry when Everyone’s Selling

Now is not the time to be in the car business. As the stock market plunged in October, car sales followed suit ... the heat. Credit is tight, meaning prospective car buyers will need a better credit score if they want ... , either. Ford Motor Co. execs are predicting industrywide December sales numbers to drop by 35 [more...]

Date: 2009-01-15 19:57:40

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

A Tale of Two Lenders

I’ve talked before about the difference between banks and credit unions ... about my friend who called me up and needed some advice on debt consolidation. She wanted to get all of her credit ... who then made the determination. He didn’t even see a credit score. My question was about the debt [more...]

Date: 2008-10-21 13:02:50

NAR should put its money where its mouth is

I’ve hesitated to post this since I’m not sure how it will go over with other real estate agents (or my boss!). But, why not? ... on that loan will vary, based on your credit score, amount you put down, where you live ... , generating spending, and helping to repair the economy. Problem solved. I’ve got an even better idea [more...]

Date: 2008-12-20 16:35:30

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

myFICO 25% Discount Code

This is just a quick note to let you know that there’s a new discount code out there for myFICO . Unfortunately, it’s only good through September 30th, so you have to hurry. Here’s the scoop… Simply enter promotional code ‘ FinancialHelp25 ‘ to get 25% off your purchase. Thus, if you’re interested in something like FICO Standard , which gives you access to either your TransUnion or Equifax FICO credit score, you can get it for $11.96 instead of $15.95 . Also note that myFICO ScoreW [more...]

Date: 2009-09-29 20:45:07

Minimum FICO Scores are Increasing

Minimum FICO Scores are Increasing January 13th, 2009 One of our major Banks announced that effective this week they will be charging more for ... , mortgages, no, payment, scores, usda, VA, veterans Posted in About Scores and Credit, Loan [more...]

Date: 2009-01-13 16:35:19

Tennessee women to celebrate Day of “Free”dom

Nashville Convention Center transforms into state’s largest life support system for women ... Laughter Yoga, repair a toilet, take care of all those nagging financial obligations (like setting up a living will, a serious budget and a plan of attack to improve your credit score), check [more...]

Date: 2009-01-14 18:00:45

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

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