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
Blog posts
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Videos
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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
Bad Credit Secured Personal Loans
The possibility of loans, while struggling with a bad credit problems, it's a bit difficult ... and a loan calculator, you can come across lenders offering loans at reasonable rates. These loans ... , sponsorship of the marriage, buying a car, and so forth. In addition, your credit score improves [more...]
Date: 2008-11-23 01:09:37
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
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
Are greedy wolves making government-insured mortgages?
Now that subprime is a dirty word and Wall Street firms are no longer making securities backed by loans to people with low credit scores, brokers and bankers are filling the void with a little help from Uncle Sam. They are making loans ... FHA, which is meant to expand credit to folks of modest means? John Courson, president of industry [more...]
Date: 2009-01-15 11:00:45
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Good Time To Ask About Refinancing Your Mortgage: I Might Save $50,000!
With the rate drop yesterday, mortgage rates are at amazing lows. People in the office are bragging about locking in 4 ... that you’ll be holding the loan longer than that. Here are two breakeven calculators: one and two ... . (Especially if you have a good credit score and a loan-to-value ratio below 90%.) My favorite source [more...]
Date: 2008-12-18 11:53:02
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
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
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
Keep Closing Costs Down
Keep Closing Costs Down January 14th, 2009 | Category: ... costs can vary dramatically for buyers who have identical credit scores, loan terms, and mortgage ... home security bmw diy amplifier wiring sewing aquarium solar flooring auto repair led speaker [more...]
Date: 2009-01-14 11:46:00
SAR #9005
Is Big Oil still manipulating the markets? Ups and Downs: Friday the market continued its January jump, ... , so the Treasury is letting GM, via GMAC, give 0% 60 month loans to unemployed folks with credit scores [more...]
Date: 2009-01-05 13:55:00
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
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
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
Last Mortgage Rate Update of 2008
Mortgage rates are essentially unchanged from what I posted here last week ... : 5.875% (APR 6.553%) VA. Pricing based on credit scores of 620 or better based on loan amounts up to $417,000. VA loan amounts over $417,000 [more...]
Date: 2008-12-26 19:22:20
Reader Question: My student loans went into collections! How do I get it off my credit score?
Reader's QuestionHi FB,A couple of months ago I was denied a student loan deferment and forbearance although I was unemployed and not earning any ... , like Debt Counselling of Canada. They should NEVER CHARGE YOU ANYTHING for their services ... debt shows. [more...]
Date: 2008-12-01 22:11:00
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
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
Mortgage Rates — More Changes Coming Soon!
Mortgage rates have improved but continue to be volatile. Today’s rates are actually up about 0.125% from yesterday ... in order to make sure their loans will be purchased from Fannie without having to absorb the price ... ? Those with 40% down (home equity), 740 plus credit scores with taxes and insurance included [more...]
Date: 2009-01-09 21:22:08
Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan
Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... discharge. Ironically, some those that would not previously qualify for a mortgage do qualify after ... payments. The DTI* (debt-to-income) ratio of this person is 81.25%. Since his credit score is low [more...]
Date: 2009-01-15 00:11:26
Subprime Loans
Subprime loans are probably the one thing that we can put a finger on that has led us to this mortgage disaster ... to individuals who had credit scores well below 680. It was almost as if these subprime lenders were willing to give anyone over the age of 18 with a beating heart a mortgage loan. Sadly [more...]
Date: 2009-01-15 02:59:14
The Lending Lunacy Continues as GMAC Gives Out More Bad Loans
This past week the Treasury used $5 billion of funds from the Troubled Asset Relief Program ((TARP)) to purchase senior preferred equity in GMAC, the financing arm of General Motors (GM). GMAC reacted immediately to deploy the funds by lending to new car buyers with credit scores as low as 621 [more...]
Date: 2009-01-01 11:02:24
It’s been a terrible week
This week has been miserable. player that I back with 8,000 in makeup won’t pay back any of the 2, ... 000 that I loaned to two weeks ago after he scored 2,000 playing live poker and obv didn’t return the message that I left for him x fraudulent charges on credit card x scammed by Player [more...]
Date: 2009-01-16 02:44:02
4th Quarter 2008 Market Report
4th Quarter 2008 Market Report January 15, 2009 at 3: ... and obtaining a loan is harder than ever, even for people with respectable incomes and credit scores [more...]
Date: 2009-01-15 20:02:00
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
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
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
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