Credit clean-up

"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... on your credit report. Credit repair companies can negoitate a repayment plan and might even get fees removed ... of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit [more...]

Date: 2008-10-27 19:40:13

Blog posts (533) | Videos (195)
 

Recognizing a Credit Repair Scam

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * Before they provide any credit repair services, the company wants [more...]

Date: 2009-01-16 06:24:58

Don’t let Credit any Credit Card Company Keep you Down

by Denzel Abintenk Unfortunately it is very normal for people to get themselves into severe debt using their credit cards that they require the ... and quickly find yourself in exactly the same position again. Credit card debt is a vicious circle, once ... of a credit repair company might seem like a good idea however it will almost certainly damage [more...]

Date: 2009-01-14 20:27:27

Does Mobile Marketing Infringe on Your Privacy?

Naturally, privacy watchdogs answer the question in this post title with a resounding “Yes! ... a new car recently, and went on the mobile phone looking for a lower-interest credit card,” said Jeff ... to know that? Marketers for fast food companies, car insurance companies or credit card companies? It’ [more...]

Date: 2009-01-13 22:52:51

Identify Credit Repair Scam in 6 Ways!!

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * The company wants you to pay for credit repair services before [more...]

Date: 2009-01-16 06:23:45

Bad Credit Doesn’t Mean No Credit

by Chris A Smith Just because you need help with your credit report does not mean you are automatically excluded from getting a new line of credit. Each lending institution, be it a credit card company or a bank, has it’s on rules regarding the granting of credit and often times these can vary greatly from institution to institution. Usually, the company offering the best rates and terms is more conservative than others and will consider the entire credit history of an applicant. [more...]

Date: 2009-06-08 12:30:05

Credit Line Profiling: Right or Wrong?

From NPR: Credit card companies are trying to cut the credit lines of many customers ... . They interviewed two people with Countrywide loans who had also received unwanted credit cuts. One of those men ... in the mail, saying their credit limits have been cut. American Express is one prominent example of companies [more...]

Date: 2008-10-28 15:54:52

Tort - Defamation - Wrongful Discharge - Consumer Protection Statutes

A former director of national accounts for a company that provided credit screening and customer leads to car dealers, who claims he was unfairly blamed when the company lost clients after it turned off its credit screening to boost leads during a market downturn, cannot sue for defamation for the general manager’s alleged directive to “blame it on Craig” if dealers asked about the bad leads, but he may sue for additional alleged statements about blaming the filter deactivation on plaintiff, his [more...]

Date: 2009-08-24 11:52:59

What Does “Late” Really Mean? Beware of Sneaky Credit Card Fees

I spend a lot of time watching and listening to financial news reports; and since we’re officially in a recession, ... debts low and paying bills on time. However, it appears that credit card companies have found a way to mess with their reliable, responsible clients. Credit card companies can pretty much bet [more...]

Date: 2008-12-16 15:04:11

The Importance of Repairing Your Credit Report - Yourself!

It seems to be common knowledge today that we are living in a society overwhelmed with debt ... is “Credit Repair Companies”. There are several different websites, many of them claiming to be law ... used by these credit repair companies are bombarding collection agencies with letters, asking them [more...]

Date: 2009-01-15 01:44:04

Debt Negotiation Programs

Get Yourself Out of Debt You should be cautious of claims from so-called credit repair clinics ... , your ability to get credit. That’s why many states have laws regulating debt negotiation companies ... . Many companies appeal to consumers with poor credit histories, promising to clean up credit [more...]

Date: 2009-01-11 12:34:30

Russia and Georgia - An Economic Mistake

A recent Wall Street Journal article titled “Borrowing Costs Increase Sharply for Russian Firms” lays out ... significantly for Russian borrowers, as reflected by sovereign and corporate-credit spreads, which ... companies with low credit risk scramble for funding. Now add to this the fact that Russia seems [more...]

Date: 2008-09-02 01:55:51

tips to get out of it

There are many reasons for people to face court actions, one of the many are financial cases, being submitted to court are because of bad credit. be it from credit card companies to other financial institutions, sometimes people tend ... rebuild their credit card! by providing Debt Counseling and debt referral by Suze Orman Tips [more...]

Date: 2009-01-14 13:06:08

How liberal organizations sell out

What does Martin Luther King Jr. Have to Do With Payday Loans? Recently, the president of the Southern Christian Leadership Conference (SCLC) ... ? Not when you consider that late last year, subprime credit card and payday loan company CompuCredit ... of the credit crisis on minority homeowners. But, he didn’t voice support of pending legislation [more...]

Date: 2008-08-14 00:19:11

Credit Repair

Having a good credit reputation is necessary for an individual to be able to have his loans easily approved ... , you should learn how to manage your credit score. Although some credit card companies offers a little ... is Aaacreditguide.com. The site has in depth topics about rebuilding your credit and removing bad credit. A good [more...]

Date: 2008-09-05 04:07:00

Time for A Trip to the Mall

Andrew Leonard: There’s only one shopper with a purse large enough to make a difference in this kind of mess — and that’s the U.S. government ... cards, and digging themselves even deeper into debt at a time when credit card companies are raising ... t have any credit card debt, you’re gainfully employed, and you are staring at a $499 price tag [more...]

Date: 2008-12-02 15:17:43

G. Avoid Credit Repair Clinics

You’ve probably seen ads for companies that claim they can fix your credit, qualify you for a loan or get you a credit card. Their pitches are tempting, especially if your credit is bad and you desperately want to buy a new car or house. Avoid these outfits. Many of their practices are fraudulent, deceptive and even illegal. Some have been caught stealing the credit files or Social Security numbers of people who are under 18, have died or live in out-of-the-way places like Guam or the U.S. [more...]

Date: 2009-07-23 09:02:39

You Can Legally Erase Your Credit Card Bill From Your Credit Card Company

American consumers can now legally and ethically discharge 50% of their debts that they owe to their financial institution. Not many Americans have been made aware of this fact because their CC company only wants them to pay the minimum payment each and every month and thus steal away their wealth from them pennies at a time so they go unnoticed.Last 5 posts by When Do You Apply For a Law Suit Loan? [more...]

Date: 2009-08-11 06:00:53

Why Your Credit Rating Is Important

by Steve Collins Credit ratings, at their most straightforward, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:27:43

Your Tax Dollars At Work: Why The Government Will Never Recover The $700 Billion Bailout Cost!

For 2 weeks the Bush Administration and Democratic and Republican leadership in the house have driven fear into the American public, predicting calamity and depression if a government intervention of the credit markets did ... companies to lower credit standards to offer loans to low-income or poor-credit buyers) and deregulation [more...]

Date: 2008-10-04 12:00:00

Do you know how to repair credit?

by Lee Beattie Credit repair companies must provide this in a written contract that also spells out just what services are to be performed, ... anything to fix your credit. Credit repair is the action of sending out letters to the credit reporting ... or repair credit from bad to good. Negative credit costs you extra thousands and there appears [more...]

Date: 2008-10-06 09:05:21

A Simple Explanation of What Went Wrong

I read this interesting Brookings paper yesterday, titled "A Brief Guide To Fixing Finance ... to the financial crisis: 1. The bubble in home prices, fueled by the ready availability of credit, resulted ... companies, and hedge funds) that issued “credit default swaps” contracts (CDS) that insured the CDOs [more...]

Date: 2008-09-24 16:15:00

Your Credit Rating And You

Credit ratings, at their most straightforward, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain? [more...]

Date: 2009-01-17 22:54:06

Profiting from Payday Loans in 2009

On an otherwise normal evening in 1964, a woman known as “Miss Witness” received a disturbing telephone call from alleged loan shark Frank Sacco ... . Prices are still crashing - currently sitting about 35% below a year earlier. Credit is nearly frozen. Banks and credit card companies alike are buckling down and leaving very little money free [more...]

Date: 2009-01-16 19:38:12

Your Credit Rating Is Important

by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:53:50

High Yield Spreads at Everest Proportions

One would think that given the 10%+ gain in equity markets that we would have seen some relief in the high yield credit market ... treasuries, companies with less than investment grade credit, will not get funding unless they are willing to pay upwards of 20% interest per year. Too bad those credit card offers aren't coming in the mail [more...]

Date: 2008-10-13 23:45:44

Finding County Marriage Licenses

by Jason Voxly Maybe you are dating someone and think they are hiding something ... the system. You do have to be careful and check into the companies before giving them your credit card ... with a legit company. It is a rare situation that you will receive bad information [more...]

Date: 2009-01-17 22:43:42

Saving on Education Related Expenses

Saving on Education Related Expenses With all the other demands placed on your budget, finding room for one more expense may seem impossible ... your limit- this shows up on your credit report and gives your credit card company an excuse to charge ... , major, GPA, location, etc. Don’t feel limited by your current or past academic scores- you’ [more...]

Date: 2009-01-11 14:47:52

Your Credit Rating And You

by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:41:15

Credit Card Companies Cutting Credit, Rewards; Upping Interest Rates.

Wall Street gets a bailout, regular old Americans see their available credit decrease, their interest rate go up, ... a bad thing in the long run; but right now with people getting laid off, grocery prices skyrocketing, and small businesses trying to make ends meet, is it a good or a bad thing to cut off credit [more...]

Date: 2008-10-29 16:00:06

What Is Wrong With This Picture?

They’re tossing our money into a black hole and they KNOW it: Dec. 18 (Bloomberg) — Federal Reserve Chairman Ben S. Bernanke is basing hundreds of billions in emergency lending on credit ratings from companies ... and lent $631.8 billion under eight credit programs, most of which require appraisals of short-term [more...]

Date: 2008-12-19 14:53:38

Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: reducing credit limits for people who use a variety of services. These services included, “Direct ... counselors, automobile tire retreading and repair shops, bars and night clubs, pool and billiard [more...]

Date: 2008-06-23 16:12:59

Truth About Merchant Accounts !!!!

Truth About Merchant Accounts !!!! January 16th, 2009 If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting! ... . Credit card holder’s have the right to call their credit card company and dispute a transaction ... to set-up credit card processing for their business, they overlook the fact that they are entering [more...]

Date: 2009-01-16 20:15:16

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

Year 2, Week 27 Results: .6 oz of plastic waste.

I failed to notice last week that another 6 months had gone by since the inception of Fake Plastic Fish ... and found out that while they don't currently offer paperless billing, Safeco plans to go paper-free within the next 6 months) and two from Chase credit card company containing my new credit card and paper [more...]

Date: 2008-12-22 22:34:15

Downsizing? An admin checklist

It’s never pleasant when companies have to downsize due to a tough economy ... forms, if necessary Delete company computer access Remove access to company credit card ... : Final time/expense report Final paycheck COBRA notice (firms with 20+ employees) Certification of group [more...]

Date: 2009-01-16 17:43:53

Free Credit Score Online!

Credit Score is an important factor considered by creditors, money lenders and other financial institutions ... a good credit score: The Potential lenders, banks, credit card companies and employers measure ... not be under this misconception that a bad or poor credit score will always remain poor. You can improve [more...]

Date: 2009-01-14 10:33:46

Fast Credit Repair Tips

Many companies and programs are offering fast credit report tips, however they often come with a hefty price tag ... , you can increase your credit score rather quickly. In some cases the results can be a couple days, but within 30 days significant improvements can be made. Original text: Fast Credit Repair Tips [more...]

Date: 2009-01-15 18:01:59

Always Use Caution When Using 0% APR Credit Card Offers

Amazon.de Widgets There is nothing wrong with chasing offers of 0% credit cards, in fact many people have benefited greatly from doing just that, but did you honestly expect the credit card companies to allow this card jumping to continue indefinitely?Offers of 0% credit cards have been around for quite a few years now; they are a successful marketing ploy by the credit card industry aimed at stealing customers from competitors and were an overnight success with a public that was fed up of paying [more...]

Date: 2009-09-30 22:17:04

Keep Watch For The Missing Quarter

How secure is yours? How secure is yours? HARRISBURG PA - Internet chat rooms are filling with complaints from credit card customers nationwide ... : File a dispute immediately with your credit card company; Call Pennsylvania’s Bureau of Consumer ... business with. The company, Adele Services of Melville NY, doesn’t exist, according to a report Sunday [more...]

Date: 2009-01-16 10:40:26

Collection Agency calling from 571-431-1958 (Washington, VA)

Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]

Date: 2009-09-25 19:53:49

Credit Repair Help - Here’s How To Start Right Now!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult. It’s hard to repair your credit and it makes life difficult to have bad credit ... coffees. We need to then know what’s in your credit report. There are three credit card companies [more...]

Date: 2009-01-05 11:03:01

Remove NCO Financial From Your Credit Report

by Justin Hutto NCO Financial is a collection agency. They collect for retail, financial services, healthcare and other industries ... bureaus. Another option is to hire a professional credit repair company ... is your legal way of telling the credit bureaus that you are disputing the accuracy or validity [more...]

Date: 2008-10-02 16:12:02

Media Digest 12/1/2008 Reuters, WSJ, NYTimes, FT, Bloomberg

Newspaper According to Reuters, US car sales are expected to be down sharply for November ... that the GM (GM) board is reviewing the firm's turnaround plan. Reuters writes that credit card companies will cut available lines of credit by $2 trillion over the next 18 months. Reuters reports [more...]

Date: 2008-12-01 08:45:43

Fraud enablers, customer non-knowledge and more

Could we maybe sell you the same thing twice? Or more? Don’t companies know anything about their customers? ... . To make a long story short, I bought stuff from the merchant who used Payson as their credit card ... inquiries, so I called my credit card company. Alas, they cannot do anything as their customer [more...]

Date: 2009-01-14 20:34:02

I’ve Become a Victim of the Credit Crunch

I already knew the credit card companies considered me a deadbeat, but I didn’t think I was that bad.  Sheesh ... Federal Credit Union Platinum Visa Limit: $20,000 Thoughts: Always nice to have a credit union ... Platinum Priority Visa Limit: $50,000 Thoughts: Since this incident, BofA has been on my shyt list [more...]

Date: 2009-01-08 11:12:43

President Obama to the Aid of Americans Suffering from Debt Apply For Your Government Grant Now

Author : Lindsy Emery It is no secret that the economy is in dire need of a jumpstart With so many out of work, taking cuts in pay, losing homes, cars and having bills that they can no longer afford to meet, Americans are turning to our government for financial help Under the guidance of Barack Obama, our federal government is responding Bills have been introduced that better monitor and control the interest rates and fees credit card companies are allowed to charge Financial institutions [more...]

Date: 2009-09-30 15:50:29

An Inside Look at Blueprint: Split, Finish and Track It

As we mentioned earlier , Chase has rolled out some new financial tools to help you track your finances and conquer your credit card debt. All in all, these simply amount to fancy ways of looking at your balance – but as anyone who regularly reads personal finance blogs knows by now, the road to a debt free (or at least a manageable amount of debt) is paved with discipline moreso than breaks from credit card companies. Blueprint offers Chase customers some flashy systems for motivating yourself. [more...]

Date: 2009-09-18 11:55:09

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 and credit limits dropped. Visa, MasterCard, et al., also are responding to the worsening economy [more...]

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

How to Get Your Free Credit Report

September 5, 2009 | By Wendy Polisi In Finance | by Wendy PolisiThere is a lot of misleading information available today, especially online, regarding getting access to your credit report. Some of this misleading information is the product of the credit reporting agencies themselves, which are for-profit entities. There are also many independent companies that will obtain your credits reports for you, for a hefty fee.None of these services are really required for American citizens and residents. [more...]

Date: 2009-09-05 08:32:01

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