D. Other Publishers

A number of publications from non-Nolo publishers have a wealth of information beyond what is in this book. The Ultimate Credit Handbook, by Gerri Detweiler (Plume Books), covers everything you’d want to know about credit ratings, credit cards, completing credit applications, protecting your credit privacy and many other topics. Surviving Debt: A Guide for Consumers, by National Consumer Law Center. NCLC is a nonprofit organization that normally publishes books to assist lawyers. [more...]

Date: 2009-09-24 02:03:01

Blog posts (314) | Videos (44)
 

Credit Card Banks 'Rate-Jack' Customers

It arrived in Rich Stevens' mailbox a few weeks ago: the notice that Citibank had "rate-jacked" the Visa cards belonging to him and his wife. Some credit card holders have seen their interest rates go up dramatically, a practice called ... , he said. Stevens said he did not know why the rates had soared; his credit rating is great. [more...]

Date: 2008-12-19 19:31:17

Sovereign Debts: Let the Downgrades Begin!

Making good its warning, the US credit rating agency Standard & Poor's downgraded the credit rating of Greece amidst a deteriorating economic ... the government's ability to improve its budget position through better tax collection and higher property or income taxes is offset by the rising cost of debt servicing and public pressure for additional [more...]

Date: 2009-01-15 11:27:00

How To Eliminate Rising Credit Card Interest Rates

By Jim Vrana Interest rates for credit cards keep rising, even after most all other interest rates are falling. These high interest rates, and the debt that causes them, can be eliminated altogether. Beginning until July 2010, new credit card regulations become effective which are designed to protect [more...]

Date: 2009-01-02 02:02:32

Mexico May Avoid Credit Rating Downgrade, JPMorgan Says

Mexico may stave off a credit- rating downgrade, JPMorgan Chase & Co. said. “From our conversations with the rating agencies, they appear to be giving Mexico the benefit of the doubt and will likely wait to see what components of the fiscal reform are approved by Congress,” JPMorgan analysts led by Joyce Chang wrote in a report to clients. [more...]

Date: 2009-09-29 16:44:07

Posts about Foreclosures as of July 12, 2009

The Benefits to Restoring Your Credit Rating Can Last A Lifetime – bestonlinecarfinance.com 07/12/2009 by Darrell Price If you have ever gone through a bankruptcy, suffered a devastating foreclosure or applied for a loan and have been turned down, you know the importance of having clean credit. If you are looking to repair your credit and increase your rating, the process can be a little overwhelming at first. This article will hopefully give you a starting point. [more...]

Date: 2009-07-12 12:03:55

Fed to rule soon on sweeping credit card changes

Sunday December 14, 3:11 am ET By Carson Walker, Associated Press Writer Fed might end surprise credit card rate hikes but restrict credit to high risk borrowers SIOUX FALLS, S.D. (AP) -- Credit card companies could no longer boost interest rates on existing account balances if the Federal Reserve adopts new rules as written at a meeting [more...]

Date: 2008-12-14 20:23:19

Credit Card Processing Rates – The Big Six

September 27, 2009 | By Anne Torres In Finance | by Anne TorresIf you’re new to the merchant services industry, you’ll find that there is a very high level of competition going on among its participants. In choosing an account provider, one usually goes for the one that offers the lowest credit card processing rates. However, things may not be that simple as the merchant will need to have a good understanding of these rates and how they play a role in the way an account will be handled. [more...]

Date: 2009-09-27 09:46:29

Reasons People Badly Need Credit Protection

by Jean Nicholson There have been a lot of misconceptions about credit protection which is a grave blunder! Many people believe that this is only for those who have financial problems. In reality, the people who have no financial liabilities are more vulnerable targets of identity theft. A person who does not have any existing record of accountabilities has high credit rating and certainly qualifies for loans or credits. Whatever is the result, initial ranking shall be imposed. [more...]

Date: 2009-09-28 17:49:09

Things I Learned When I Refinanced My Home

Some days I feel like a home refinancing expert. I’ve refinanced my home twice in the last three years to take advantage of attractive interest ... , I called my local banks, credit unions, and savings and loan companies. I also checked interest rates ... to the interest rates on many credit cards. In addition to looking for a lower interest rate, people [more...]

Date: 2009-01-15 01:31:07

Bogus and Scam Credit Counseling Groups Become Target Of Florida Legal System

TALLAHASSEE, FL - Attorney General Bill McCollum today unveiled his office’s latest consumer protection initiative in the form of a coordinated ... , all of which were purportedly offering debt relief services including credit counseling, credit repair, debt management, and credit card rate reduction services. “As more Floridians facing financial [more...]

Date: 2008-10-21 05:39:01

Great Importance of Credit Protection for Your Identity

by Jean Nicholson There have been a lot of misconceptions about credit protection which is a grave blunder! Many people believe that this is only for those who have financial problems. In reality, the people who have no financial liabilities are more vulnerable targets of identity theft. A person who does not have any existing record of accountabilities has high credit rating and certainly qualifies for loans or credits. In rare cases, banks do ocular inspections. [more...]

Date: 2009-09-29 20:13:09

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

Debt Managment and Debt Consolidation Loans For Bad Credit

Amazon.de Widgets What is debt consolidation but a way to financial freedom with positive actions to bring about resolutions of high interest rates, late fees, over the credit line fees, etc. and see ones balances decrease instead of increase with positive impact on the credit rating. The question is frequently asked by consumers who find that answers to accumulating debt are on the wire and something has to be done. [more...]

Date: 2009-09-22 05:45:34

Off Topic: Trouble Rocks Major Newspapers

Updated: These are dark days for the media business, with many traditional media owners caught in the intergalactic shift to online from off ... Mountain News. Even before that, the Chicago-based credit ratings firm Fitch, which rates the debt ... and music companies here. The problem is, we’re probably kidding ourselves if we think that by embracing [more...]

Date: 2008-12-08 22:10:00

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

UAE banks assigned negative outlook

Financial Times: Moody’s Investors Service, the credit rating agency, has placed the United Arab Emirates banking sector on a negative outlook, ... . However, the credit rating agency added that UAE banks generally enjoy strong economic fundamentals, were ... . ... Tightening credit conditions, liquidity constraints, a collapse of regional equity markets [more...]

Date: 2009-01-15 16:23:15

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

Forex - Markets are quiet ahead of ECB rate decision – analysts expect a 50bp cut

Forex News and Events: All eyes are riveted on the ECB announcement today, ... projections. The S&P reduced Greece’s sovereign credit rating and placed Ireland, Spain and now Portugal’s credit ratings under review. Furthermore the unconfirmed news that Ireland was seeking IMF aid [more...]

Date: 2009-01-15 12:16:41

I, Ireland

What happens when a triple-A rated sovereign government's credit rating is cut? Quite a lot of unpleasant things really. Sovereign rating transitions - at the top end of the scale - are always extremely messy affairs. Losing a triple-A rating matters much more than losing a double-A rating for any institution.... [more...]

Date: 2009-01-14 10:00:37

How to Repair Derogatory Credit on Joint Credit Accounts

Whether you were recently divorced or decided to partner up with someone on a financial venture that went sour, chances are your credit worthiness and credit rating have taken quite the beating. There are many reasons that consumers fall behind or quit making their monthly credit installments all together [more...]

Date: 2009-01-04 04:45:10

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

PIGS? omg! (FT/Aplphaville)

If it wasn’t so serious, this would be amusing. Except - it isn’t ... , a public service union leader has warned members that the International Monetary Fund could be brought ... . From FT/Alphaville What happens when a triple-A rated sovereign government’s credit rating [more...]

Date: 2009-01-15 09:54:13

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

Get Your Credit Report

One of the most important things a person can do to make sure their credit and financial health is in top notch shape is to make sure they stay on ... Ways To Improve Your Credit Rating Credit Card Debt Will Lead To Bankruptcy if not Careful Tips ... top of what's going on with their credit report. If you haven't taken a look at yours [more...]

Date: 2009-01-10 20:22:41

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... out your credit card number online when you were making a purchase. It is possible that some unscrupulous ... on credit as long as you can pay for it eventually. Aside from cleaning up your credit, build a savings [more...]

Date: 2009-01-15 03:41:35

What took them so long?

From the Free Press…. Another of the nation’s leading credit rating agencies has downgraded the City of Detroit’s credit rating to junk bond status, Mayor Ken Cockrel Jr. said today. Advertisement [more...]

Date: 2009-01-15 22:23:13

S&P cuts Greece’s credit rating

Greece on Wednesday became the first big western European economy to have its credit ratings downgraded since the start of the financial crisis because of rising fears over its ballooning public sector debt. Standard & Poor's decision to cut ... the eurozone over the public finances of the weaker economies as they take on record levels of debt. Marko [more...]

Date: 2009-01-15 00:07:00

Use the Plastic to Repair Your Credit Rating

People are always looking for the shortest path to solve their personal finance problems ... and knowledge play important roles. Repair your credit rating, get out of debt Poor or below average ... in most cases, people recklessly apply for cash advances or use credit card financing without knowing [more...]

Date: 2008-09-24 09:31:39

Consolidation Loan Choices Make Choosing Easier

by Daniel Atolben Debt consolidation loans were created solely as a means for putting all the debt together, or consolidating it, ... takes your debt total, and through many different types of loans, can, with the appropriate credit ... with the highest credit rates. Home equity loans are also valuable to a consumer interested in debt [more...]

Date: 2008-12-25 14:11:33

Scotiabank offers some finacial advice for Canadians

These are some of the items that Scotiabank has offered to Canadians in order to improve their financial situation ... such as higher rate department store and other credit cards. Inform yourself about interest rates and options ... have a financial plan, now is the time to get one that emphasizes debt management and map out your short [more...]

Date: 2009-01-09 09:57:00

How to Eliminate Rising Credit Card Interest Rates

Beginning until July 2010, new credit card regulations become effective which are designed to protect consumers against arbitrary increases in interest rates and other unfair practices. There should be doubts however, if these new rules will really help at all. Why would these doubts exist? [more...]

Date: 2009-01-06 18:24:10

Winners and Losers from Current Economic Situation.

In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]

Date: 2009-01-13 06:40:00

Is Debt Consolidation The Right Choice For You?

by William Blake Debt consolidation means to combine several small debts into one single payment per month in order to lower monthly payments or high interest rates. Typically, consumers will consolidate credit card debt, medical bills ... rate and create payments that are more manageable. Keep in mind that for debt consolidation [more...]

Date: 2008-10-27 12:23:33

Membership Has Fewer Rewards

For credit card-carrying Americans, the latest news from the economic crisis is good, then bad, then good again ... they had to, since credit card companies raised their interest rates even as personal income ... . Credit card and collections companies have started to accept that many Americans are flat broke [more...]

Date: 2009-01-14 19:00:18

Rating cannot be construed as a substitute for an exhaustive audit or a fraud detection

Sep 26, 2009Accounting, Audit The credit crisis has exposed weaknesses in many financial intermediaries. How can rating agencies ensure their views are more accurate and unbiased?  Despite due diligence, there is always scope for improvement. Credit rating agencies (CRA) do not carry out a separate audit but takes cognisance of the information available from annual reports, submissions from management, secondary sources and opinions from lenders/ investors. [more...]

Date: 2009-09-26 05:31:47

Financial Relief Available for Active Military Members

If you are a military service member called to active duty, ... the debt. "The average credit card rate is over 12%, so cutting your rate in half ... to get out of credit card debt much faster" says Bill Hardekopf, CEO of LowCards.com and author [more...]

Date: 2008-10-31 16:16:29

Dow Chemical: Time to Sweet-Talk Moody?s

The Wall Street Journal’s Ana Campoy writes this dispatch about the ratings providers’ wariness of Dow Chemical’s $15 ... , says Moody’s lead chemical analyst John Rogers. His agency and S&P cut Dow’s credit rating ... an investment grade rating to this company if it had short-term debt of $11 (billion) to $12 billion [more...]

Date: 2009-01-09 14:36:00

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

Debt relief Deals “attack on the confidence of consumers”

How’d you to your monthly credit card payments and loans - guaranteed? ... said Carol creditors can lower their interest rates. Carol, who can pay their credit card, mortgages ... rate or reduce the amount you are liable. But beware! Some of these programs are debt relief Scams [more...]

Date: 2008-07-18 10:38:03

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 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

Are your APR’s increasing and you have no clue what is happeneing

Credit card issuers have large amounts of power over us, and it seriously is ludicrous. They have the right to significantly jack up our interest rates, lower our credit limits, and even share personal information on us. Credit card sign up applications are extremely one-sided and only benefit one party, the credit card organization. Most consumers are under the misconception that these are legal documents they are putting their name on, but that isn’t the situation whatsoever. [more...]

Date: 2009-09-06 13:11:38

S&P's Puts Spanish Sovereign Debt On Ratings Watch Negative

Spain yesterday became the third euro zone country within a week to be warned by rating agency Standard & Poor's that its credit rating ( ... finances.The gap in bond yields between the benchmark German bunds and the sovereign debt of Spain ... fallen.One year ago the financing of Spanish government debt was barely more expensive than [more...]

Date: 2009-01-13 10:11:00

S&P's Puts Spanish Sovereign Debt On Ratings Watch Negative

Spain yesterday became the third euro zone country within a week to be warned by rating agency Standard & Poor's that its credit rating ( ... finances.The gap in bond yields between the benchmark German bunds and the sovereign debt of Spain ... fallen.One year ago the financing of Spanish government debt was barely more expensive than [more...]

Date: 2009-01-12 22:13:00

Debt Consolidation: Now’s the Time

By: Catherine Brock The Roman Empire fell in 476, and the Berlin Wall came down in 1989 ...  out your debts and their respective rates. With the help of a credit card payoff calculator, compute the total ... to combat inflationary pressures. Domino effect If interest rates do rise, credit card debt and debt [more...]

Date: 2008-06-23 15:08:21

S&P's Puts Spanish Sovereign Debt On Ratings Watch Negative

bond+spreads+2.png - Spain yesterday became the third euro zone country within a week to be warned by rating agency Standard & Poor's that its credit rating (currently the highest - AAA) is under threat from the deterioration in public finances being produced by the government's attempt to support the banking system and put [more...]

Date: 2009-01-15 15:12:32

No Credit Mastercard

In these current times in spite of a poor credit rating it is still feasible for an individual to obtain a credit card from the multitude that presently exist. Nonetheless, individuals who are now in a poor credit situation will learn ... a no credit mastercard. In reality the primary question is regarding which one you should choose [more...]

Date: 2009-01-15 20:41:42

Saying Goodbye To Your Credit Cards

September 5, 2008 A situation that anyone would withdraw of their way to not be in is possibly standing knee-deep in a pool of rotten credit card ... cancellation; it is simply because several credit card companies will actually raise your interest rate ... you are with your finances, your credit card use in particular. T was better said that it looks [more...]

Date: 2008-09-05 06:02:39

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