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

Blog posts (14) | Videos (26)
 

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

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

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

Loose Change: 1/14/09

Getty Images Personal Finance: -Companies aren’t just slashing jobs, they’re also cutting benefits, ... including company matches to charity donations. WSJ -You know those free WaMu credit scores we’ve written about before? Rumor is that they might become a thing of the past. Noooooo [more...]

Date: 2009-01-14 15:01:47

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

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

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

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

Can Businesses Really Check My Credit Report Before Offering Me A Job? [Ask The Consumerists]

Reader Brandon wants to know if those freecreditreport.com commercials are being misleading when they tell you that your credit report can affect where ... , but how is it that they can scare people into checking their credit scores because "it may even [more...]

Date: 2009-01-14 20:53:31

Let the bidding begin: Dick Cheney's writing a book with 'a few scores to settle'

... Ford. In 1989 he became secretary of Defense for Bush I and oversaw two of the larger military ... : He's been in the government/political business long enough to know you rarely get credit for what [more...]

Date: 2009-01-13 04:25:06

Clinton Wants to Know “Am I Doing The Right Thing By Repaying My Debt?”

Clinton 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 ... . Is it true that my credit score will suffer even more by me paying back all of my debt? Will this prevent [more...]

Date: 2008-10-15 19:49:53

Credit Score Disclosure

Pulling a credit score is one of the first things a mortgage planner does before submitting your application to a lender.Once the score is obtained, clients often wants to know what their score is.  What many don’t realize is that mortgage planners generally can’t tell them.Equifax, the main credit bureau in Canada, has very strict rules that restrict brokers from disclosing credit scores to borrowers.  Brokers who violate this policy are subject to termination of their license from Equifax—not [more...]

Date: 2009-09-29 07:06:00

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

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