FreeCreditReport.com Review: Not a Free Credit Report

Have you heard of those commercials on TV that talk about “free” credit reports? These services, such as FreeCreditReport.com are *not* truly free. They offer free trials for a limited time (usually 7 days) but they’re actually paid subscription services after the intro period is over. They’re in the business of credit monitoring and tracking your credit standing. Image by Andre Rolim/Getty Images These services exist to help us keep an eye on our credit reports. [more...]

Date: 2009-09-29 04:01:28

Blog posts (159) | Videos (103)
 

Restoring Your credit Status

by Bob Jones A crucial aspect in maintaining a high credit status is in point of fact the contents of your credit report. The credit report is very much the history of your monetary life, contained in a comprehensive document. The credit report details the credit score, which is a numeric grade typically between 300 and 850. Most lenders use the credit score to help them make their mind up whether you are worthy of credit. Furthermore, the score is also used to conclude your capability of paying a loan. [more...]

Date: 2009-09-29 08:16:24

Obamunism Kills What is Left of the Economy

As night follows day : New companies will be crucial to the strength of any economic recovery. Businesses in their first 90 days of life accounted for 14% of hiring in the U.S. between 1993 and 2008, according to the Bureau of Labor Statistics. But this recession is taking a particularly heavy toll on business creation, as sources of small-business funding dry up… And why are sources of small business funding drying up? Two things: 1. [more...]

Date: 2009-09-29 04:52:39

Know the Basics of Buying a Home

When it feels about time to stop renting and time to purchase a home there are a few basic things that you should understand. Here are the steps you will need to take in order to make purchasing a home more than just a dream. First, get a copy of your credit report and clean up your credit record as much as possible. This will help you when it is time to get a loan from the bank. Second, go to your bank. Talk to a loan officer and tell them you want to buy a house. [more...]

Date: 2009-09-29 19:52:42

Your Credit Report Card

Mark Frauenfelder is the co-founder of my favorite sites, Boing Boing (which is a “directory of wonderful things”). Mark’s also a GRS reader. He dropped me a line the other day to tell me about a new project he’s been following. Today, Credit.com is launching a free new online financial tool called Credit Report Card . This tool is designed to provide users with a quick snapshot of their credit reports. [more...]

Date: 2009-09-29 18:00:31

Strategic Reality Dictionary

– New from Autonomedia – Konrad Becker’s Strategic Reality Dictionary is being launched on September 29 at Eyebeam in New York – an excellent occasion to publish the preface. . Phantasmagoric Systems . “Information is indeed ‘such stuff as a dreams are made on.’ Yet it can be transmitted, recorded, analyzed and measured,” remarked Karl Deutsch in his 1963 book The Nerves of Government . [more...]

Date: 2009-09-28 21:31:25

Recent Tweets from the BARN

CLICK HERE to listen to the BARN’s Morning Ag News as heard on participating BARN Affiliate Radio StationsNational Ag News for September 29, 2009 Sponsored by the American Farm Bureau Federation“Chinese File Another Trade Complaint” China has started investigating complaints that American chicken products are being dumped in China and are unfairly benefiting from subsidies. Chinese companies say U.S. [more...]

Date: 2009-09-29 13:52:54

No surprise here; FBI and likely other federal agencies abuse the use of National Security Letters. Support the JUSTICE Act unless the Republicans can do better.

I have been railing against the Patriot Act (which is anything but) since its passage and I physically protested same back when AG Ashcroft visited Salt Lake City in circa 2003. Numerous provisions of that Act signed into law by the SOB (Son Of a Bush) were and remain egregious. The Patriot Act assailed our rights on so many fronts, not the least of which was broadening the use of National Security Letters (NSL). [more...]

Date: 2009-09-28 19:56:34

Synthetic man

Susan Crane’s book on Ritual, Identity and Clothing During the 100 Years War has a chapter on “Talking Garments” ... . Who we are is represented by electronic entries on databases, card-sized pieces of plastic and of course, biometrics ... in 2007 for overstaying her visa, slipped back in. She has been barred from returning for five years [more...]

Date: 2009-01-08 01:37:08

Fayetteville, North Carolina - Death Investigation- Briarcreek Place

On Thursday afternoon, September 24, 2009, Fayetteville Police were called to a home at 2182 Briarcreek Place in reference to a well being check.After failed attempts to make contact with the occupant of the residence, the Fayetteville Fire Department made forced entry into the residence and located a deceased female.The female has been identified as 60-year old Elizabeth Johnson of the same address.At this time, Ms. [more...]

Date: 2009-09-28 19:29:16

Discover How To Make The Best Deals With Original Creditors

By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]

Date: 2009-09-29 01:02:09

Bank of America smashes Acorn

Acorn has taken some huge hits from the money givers that fund their activities legal and otherwise.   The next after Census Bureau, Senate, House of Representatives and other Governmental Organizations, now have Bank of America who apparently used them or worked with them in predatory loans that were such a problem for the country that caused the collapse of U.S. [more...]

Date: 2009-09-29 06:05:34

Free shredding Jan. 24 in Tacoma

Free shredding Jan. 24 in TacomaAttorney General sues Colfax couple for equity skimmingProtect yourself from e-mail hijackers and spoofersAGs reach deal to debug Dell’s customer serviceVirtual credit cards may give online shoppers peace of mind ... Reports Consumer World Content Bottom Graphic contact the webmaster privacy [more...]

Date: 2009-01-16 01:33:05

What to do if a retailer goes bankrupt

From the Better Business Bureau As a result of the declining economy, the number of retailers closing their doors has increased substantially, ... Bankruptcy law is specific regarding who will benefit first in the case of a retailer’s liquidation ... . Customers who paid with credit cards, though, may be able to dispute the charge with the credit card [more...]

Date: 2009-01-04 14:12:16

Verifying Internet Information

Dear Alyice,I do a lot of Internet research and am wondering how I can be sure of the reliability of information presented on websites ... mainstream media, reports, statistics, etc.?Sometimes false information leaks out (think tabloids ... better off not using it.Is the information purchased or given to the website free of charge?While many [more...]

Date: 2009-01-15 19:27:00

TIM SALES TIPS: When to Tell the Truth

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ January 15, 2009 Dear Reader, In last month’s newsletter I discussed not letting your body (breath, clothes, speech, etc.) distract your prospect because they will be thinking about those things instead of the information you’re delivering [more...]

Date: 2009-01-15 13:09:06

Gates of Vienna News Feed 1/4/2009

The overwhelming evidence of global warming continues to accumulate — as does the level of ice and snow in Greenland’s central ice cap, which increases at a rate of about two inches a year.Shhh! Don’t tell Al Gore…Thanks to Abu Elvis, Barry Rubin, C. Cantoni, heroyalwhyness, JD, Lexington, LN, RRW, VH, and all the other tipsters who sent these in [more...]

Date: 2009-01-05 04:27:00

Lithuanuan firm engaged witchcraft in debt collection

In these difficult times for creditors, a Lithuanian debt collector is offering an unconventional service to retrieve arrears: witchcraft ... or other companies,” said Amantas Celkonas, director of the Skolu Isieskojimo Biuras, or debt ... and I will do whatever I can to help people,” she said. Local pundits, however, ridiculed the agency’s move. “ [more...]

Date: 2009-01-15 17:02:00

Emotional, financial and legal advice on surviving redundancy

Keep calm Remember you're not alone Redundancy can be a devastating, sometimes brutal, experience but it's not your fault. "You aren't responsible for the vagaries of the western economic cycle. You didn't start the credit crunch in your own backyard," says Phillip Hodson, a fellow of the British Association for Counselling and Psychotherapy [more...]

Date: 2009-01-08 14:45:20

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

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

A Look at Recessions and their Impact on Librarianship

Image courtesy of Flickr user RayBanBro66 Given the constant flood of reports comparing our current economic recession with past major recession events including the Great Depression, I want to explore the historical patterns of employment rates and salaries for librarians at times of recession and the role of libraries during recession events [more...]

Date: 2009-01-14 11:00:34

The Lexington Comair Crash, Part 22: Return of the Bluegrass Conspiracy – Hard Rain in the Balkans, Black Clouds Over D.C. (A)

By Alex Constantine(2006/Repost)A whale of a scandal threatens to swallow some half-dozen governments around the world. The English and the Saudis are already having fits over it. The latter have actually gone so far as to threaten the termination of all diplomatic relations with the UK if investigators there expose certain ... inconvenient facts [more...]

Date: 2009-01-15 01:41:00

Could It Be ….. Recovery? If So, Hurry Up Already

I’m starting to like this 78-day presidential transition period more and more. That’s because in another 30 days or so, the economy might ( ... up monthly cash flow. Many others will be cash-out refis where the cash received at settlement will be used to make major puchases or pay down other debt. The idea that there has been some kind of “ [more...]

Date: 2008-12-18 17:29:55

First Draft Of Stimulus Package

SUMMARY: AMERICAN RECOVERY AND REINVESTMENT Action and Action Now! The economy is in a crisis not seen since the Great Depression. Credit is frozen, consumer purchasing power is in decline, in the last four months the country has lost 2 million jobs and we are expected to lose another 3 to 5 million in the next year [more...]

Date: 2009-01-15 23:03:30

DrumBeat: December 18, 2008

Oil drops 9 pct as demand outlook overshadows OPEC NEW YORK (Reuters) - U.S. crude prices dropped more than 9 percent to $36 a barrel Thursday as slumping demand and swelling U.S. inventories offset OPEC's record supply cut agreement. The Organization of the Petroleum Exporting Countries on Wednesday agreed to cut output by 2 [more...]

Date: 2008-12-18 13:42:11

Financial Forecast for 2009, Considering Resource Limitations

In this post, I consider some major issues contributing to our current financial problems, before making a financial forecast for 2009. These are 1 ... from the bottom: Layer 1. Household Debt (Mortgages, auto loans, credit card debt, student loans ... debt-based financial system operating. 3. Where we are now, and the role reduced resources [more...]

Date: 2009-01-06 15:10:32

Property Mangement Companies - What to look for

We haven’t fully given up selling our house, but we’ve entered into a contract with a property management company ... that take care of  “land lording” and marketing your rental house for you.  They do this in exchange ... of your for rent home Tenant screening, including background and credit checks Rental contract [more...]

Date: 2009-01-14 12:02:41

Gates of Vienna News Feed 1/6/2009

Tuan Jim sends an string of important news articles about the gas pipeline crisis caused by the deadlock between Russia and Ukraine. He notes that the affected countries are dusting off alternative sources of energy — fuel oil and nuclear reactors — for electricity generation.Thanks to AA, Abu Elvis, C [more...]

Date: 2009-01-07 04:50:00

Rough going ahead

“Over the next 12 months, markets could experience sharp volatility swings ... analysis and see where his take on things can be of benefit to this industry’s bottom line. Information ... be put to good use by truckers large and small to help navigate the tricky economic waters [more...]

Date: 2009-01-14 19:19:52

Home Ownership Is Flat Throughout The Recession – So, Who Is Getting Foreclosed On Then?

The national home ownership rate fell to 66.6% in 2008, its lowest rate in six years. The home ownership rate peaked at 67.3% in 2006. That data comes from the American Community Survey, which was released Monday by the U.S. Census Bureau .  The survey broke down the decline in home ownership statistics by race.  The decline was 0.88% for blacks to 45.6% home ownership level. Hispanics experienced a similar decline, down 0.80% to 49.1%. [more...]

Date: 2009-09-29 12:00:00

Dicing With Debt

Dicing With Debt Posted in January 15th, 2009 Category:Debt Relief Britons are taking on record levels of mortgage and credit card debt, with figures released last year showing that UK personal debts far out weigh that of our European neighbours. For those in need of help with financial problems then the Citizens Advice Bureau [more...]

Date: 2009-01-15 07:42:47

Let Your Inner Winner Shine

Here are few steps to make us reach our dreams a step closer by having the right mind-set and attitude. 1. Be passionate This is one of the moving factor to make us achieve our goals. When we set our self to what is comfortable then we become reticent and accepting to what is available and that can be limiting [more...]

Date: 2009-01-15 05:22:01

North Dakota’s Population Grows For Third Straight Year

After years and years of losing citizens it appears as though North Dakota’s moderate population trend turn-around may be here to stay. The United States Census Bureau today released the 2008 population estimates. It shows a growth of 3,577 people in North Dakota. The data also shows there was a net inmigration between [more...]

Date: 2008-12-23 03:37:58

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

Nations Top Firearms Salesman Announced

Nations Top Firearms Salesman Announced on the eve before the opening of this years SHOT Show in Orlando Florida ... of business slumps that have befallen the automotive and housing industries. It’s credit where credit is due. Mr. Obama has consistently voted against individual rights to firearms, appointed a re [more...]

Date: 2009-01-14 11:57:24

October Hysteria in Hindsight

October Hysteria in Hindsight By Casey B. Mulligan Casey B. Mulligan is an economist at the University of Chicago. After Lehman failed and “credit markets froze” in the second half of September 2008, many people ... . As a presidential candidate, Barack Obama said that “the credit market is seized up and businesses [more...]

Date: 2009-01-07 11:30:18

Today in Palestine! ~ Headlines January 14, 2009 ~

US cancels Israel arms shipment over Greek objections The US military has to had to cancel a planned shipment of munitions from a Greek port to a US warehouse in Israel due to objections from Athens, a Pentagon spokesman said on Tuesday. "I think the Greek government had some issue with the offloading of some of that shipment in their country and [more...]

Date: 2009-01-15 14:18:00

IS AN ASSOCIATE’S DEGREE WORTHLESS?

I have an associates grade in fundamentally zero, only often ubiquitous preparation crap, ... in the bureau or even being the assistant during the bank…..are they for genuine, or have been they only ... the year, as well as we have 96 credit hours during the village college. hey, nola, do we occur [more...]

Date: 2009-01-15 14:00:10

Dorgan, Conrad And Pomeroy Take Credit For Census Jobs

Those of us from North Dakota are so used to our opportunistic politicians trying to take credit for every good thing that happens that it hardly ... announced today that the U.S. Census Bureau is looking for North Dakotans to help gather data in North ... Bureau plans on creating 3,700 temporary jobs in North Dakota . More information about Census 2010 [more...]

Date: 2009-01-13 18:29:33

We Need Our Money, Sears!

We ordered a refridgerator from Sears before we moved in to our new home ... and ordered a second fridge. Sears will NOT credit a debit card back automatically, they send checks ... in two days. It has now been over a week. We have taken our complaint to the better business bureau [more...]

Date: 2009-01-14 17:00:00

NEWS WIRE: Uganda: Interest rates still high despite competition

Source: Daily Monitor. Original news wire here. Competition for customers and space in urban areas heightened, this year, ... by Bank of Uganda, United Bank for Africa (UBA) and Equity Bank from Kenya which bought 100 per ... shop in Kampala last year and Global Trust Bank from Nigeria. Equity’s takeover widened [more...]

Date: 2009-01-15 05:01:33

Prevent Identity Theft From Happening to You

What is Identity Theft? It is the theft of your personal information, such as social security number, driver’s license number, credit card and bank account numbers, mother’s maiden name, and more, with the intent to obtain credit and credit cards from banks and retailers, steal money from the victim’s existing accounts, apply for loans, [more...]

Date: 2009-01-15 13:42:35

New Year's Day Economic Potpourri

Heading into the new year, the news is finally slowing down. Here are a few headline news reports of interest from the past couple days.Massive Layoffs Coming For MicrosoftMicrosoft getting ready to lay off 17% of staffThe rumor that Microsoft was set to lay off people on January 15th, 2009 is no longer a rumor but a fact [more...]

Date: 2009-01-02 00:46:00

Retail Sales Tank

Click for a larger imageThanks to Calculated Risk for the chartFrom Bloomberg:Sales at U.S ... of credit led Americans to cut back on everything from eating out to car purchases.The 2.7 percent ... as estimated ... this is the first year over year loss since 1992 when the Census Bureau started [more...]

Date: 2009-01-14 15:16:00

Review of Lexington Law Firm

by John Cooper Lexington Law is headquartered out of Salt Lake City, Utah. They are a credit repair firm ... . What else should I do to repair my credit? We suggest you open a new revolving line of credit ... . There are over 400 employees and 22 credit attorneys. Their business started in 1991 [more...]

Date: 2009-01-15 00:15:45

Erase Bad Credit

by John Cooper If you have bad credit there is hope ... 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. Recent [more...]

Date: 2009-01-14 18:52:30

An Example of What the Credit Bureaus Try to Sell You

experian1 I mentioned yesterday that you can set up a quasi-credit monitoring service for yourself ( ... mentioned that the Credit Bureaus, agitated at being forced to provide free reports to mere consumers ... annual report without a credit score attached to it. This is the link you want. The second image [more...]

Date: 2009-01-15 13:00:15

Fox News Panelists Excoriate NYT's 'Mortgage Bonfire' Hit Piece on Bush

The roundtable on Monday night's Special Report with Brit Hume on FNC was not kind to the New York Times's hit piece on Sunday's front page ... Mac (as Times Watch noted yesterday). Nina Easton, Washington bureau chief of Fortune magazine ... Standard; Nina Easton, Washington bureau chief of Fortune magazine; and the syndicated columnist Charles [more...]

Date: 2008-12-23 15:14:08

[Solid Puff Piece] Goldman Research Note Clouds Manhattan

On Thursday there was a widely viewed and discussed research letter by Goldman Sachs covering the Manhattan housing market. Lockhart Steele at Curbed first reported it on Thursday, followed by the WSJ on Friday. I thought Lock broke it down thoroughly — Curbed style — and there was nothing more to it [more...]

Date: 2009-01-13 05:43:04

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