credit: : Beating Collectors With Credit Repair (blog)

Beating Collectors With Credit Repair

You may encounter a reasonable, mild mannered collector someday, but do not hold your breath. Collectors are trained to be emotionally effective. This means aggressive. They will keep you on the phone as long as they can in an attempt to bend your will to theirs. Their goal is to get money out of you, whatever it takes. Unfortunately, in their effort to dominate, they often step over the line of legality, and hence arises the need for credit repair techniques to neutralize their wayward conduct. [more...]

Date: 2009-09-25 15:17:42

Blog posts (858) | Videos (836)

Effortlessly and Easily Boost Your Credit Score

Many consumers have no clue what a credit score is comprised of. What are they measuring and how does this number correlate to my creditworthiness? While common sense tells us that paying our bills with time to spare is an imperative factor what else is key when it comes to credit scores? [more...]

Date: 2009-09-26 19:22:16

7 Don’ts for Fiscal Freshmen

( This is a guest article by Jack Busch* ) As a student, your financial picture is a bit unique. You have few assets and few hours to devote to a job, thus little income. You have little credit history (good or bad) but some limited access to revolving credit and other loans. Because of this, the years between matriculation and graduation are somewhat of a testing ground for your creditworthiness. Lenders give students just enough rope to hang themselves – and during those crucial four or so [more...]

Date: 2009-09-23 08:59:15

Why Monitoring Your Credit Score Is More Important Than Ever Before

Are you considering the process of repairing your credit? One of the most important things you can do, apart from getting errors and mistakes removed from your credit report, is to keep your credit... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-29 19:25:22

Paying By Credit Card At the Gas Pump and Refusing To Use Cash

Oh great - well I hope this article doesn’t foretell or signify a trend that’s going to be widely picked up by the gas industry in the coming future. While they’ve been one of the most credit card friendly industries in the past, some gas station ... to diminishing profit margins caused by higher gas prices and rising credit card interchange fees. [more...]

Date: 2008-06-25 08:39:47

How to Hedge Against Inflation With a Home Equity Loan

Home equity loans were a large part of the consumer credit expansion that fueled the economy for more than a decade. The housing market bubble drove up housing asset prices, but without refinancing a homeowner couldn’t spend their new found fortune unless they got a home equity line of credit. If you are unaware of the coming wave of inflation that will threaten to unravel the global financial systems, all I can say is wise up or read some of my previous articles . If you are aware of [more...]

Date: 2009-09-29 14:00:00

Bad Credit Repair

Building your credit after repeated interruptions is a constant headache we all want to avoid. In this article I am going to break it on down for you, since there are many sources that will take full advantage of you when the opportunity arise. If you feel bad simply because you can’t meet your bills expectations at the moment they arrive, then you are not alone. The fact is, even the best of us are struggling to meet some expectation that the system has placed on us. [more...]

Date: 2009-07-26 04:52:35

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

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

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... improve by 25% from current levels if credit availability improved.” So investors cheered the news ... that couldn’t be funded through the markets once the credit crunch hit. It is arguably the latter [more...]

Date: 2008-12-30 09:57:00

When you should use a credit repair agency.

Credit has become a very important part of peoples live in todays age. If you have bad credit you are familiar with having closed doors to loans, bank cards, credit cards, car financing and... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-28 18:57:28

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

Top 3 Tips for Qualifying Your Renter / Tenant

What Make A Good Renter? Is a good renter someone with great credit, or large deposit or maybe high income? ... really work and how much do they make. Debt to Income Ratio - While pulling credit can give you an idea of credit score and repayment history, how are you going to judge individuals that have gone [more...]

Date: 2008-10-03 12:59:43

How Bad Is It?: Leveraged Loans at Slowest Volume Since 2002

How Bad Is It? is a Deal Journal feature focused on confirming or debunking the worst fears about the credit crunch ... after the credit crunch hit, investment banks still are facing full trash bags of old leveraged ... of high-yield debt for Canadian telecommunications operator BCE; $4.3 billion for credit-card processor [more...]

Date: 2008-08-20 12:22:00

Don't confuse political consensus with wisdom

We won't know the full story on Iowa's film tax credit for weeks, as investigators look into lax oversight and other problems at the Iowa Department of Economic Development. It may be months before we learn whether Iowa taxpayers will end up paying around $110 million or as much as $300 million in exchange for some temporary jobs in the film industry. One thing is already clear, however: the original bill creating the film tax credit laid the ground for this costly mistake. [more...]

Date: 2009-09-28 16:59:04

P2P Finance Landscape

A sad statement about the priority of the regulatory agencies and their targeting of the few open markets that allows people to lend to people without needing a bank is apparent by the list of P2P vendors actually open and doing business: Lending Club – Made it through the regulatory hoops and is now conducting business by connecting worthy borrowers with lenders. All while Citibank, Bank of America, and Chase are reducing credit lines or even closing credit card accounts. [more...]

Date: 2009-07-05 18:25:20

Rating agencies protest broader oversight

* U.S. House panel eyes more liability for credit raters * Moody's says some fees could be revealed to regulators * Liability change would spur frivolous lawsuits-industry (Adds comments from hearing, context) WASHINGTON, Sept 30 (Reuters) - Moody's Corp (MCO.N) chiefexecutive told lawmakers on Wednesday that his credit ratingfirm may agree to disclose some of its fees to regulators, butopposes a plan to impose greater liability on the sector. [more...]

Date: 2009-09-30 20:16:51

BehindTheMedspeak: Healthcare credit score — just another name for wallet biopsy

Certainly it's more politically correct but they're exactly the same thing ... For Hospitals Credit-reporting bureau Experian PLC said it agreed to acquire SearchAmerica Inc ... and their revenue cycle," said Kerry Williams, Experian's group president of credit services and decision [more...]

Date: 2008-12-10 17:01:16

Pensioners hit by spiralling credit card debts forced to take out loans as energy prices soar

One in four people is approaching retirement with thousands of pounds worth of debt because they cannot meet the rising cost of living ... to pay their bills. The average credit card debt for the age group is now just over £8,000, according ... out the first available credit card in 1967 had expected to pay off their debts by their forties [more...]

Date: 2008-11-23 00:05:36

Thinking for a used car loan is a right idea to save more and pay off your debt quickly

More and more people are searching for auto loans for bad credit . With household debt being at an all-time high, credit ratings keep dropping. Just a few years ago, individuals with low scores found it nearly impossible to be accepted for a car loans. Today, things have changed. Banks and lenders have realized that with the increasing debt, opportunities do exist to not only help consumers get a guaranteed car loan , but to help them rebuild their financial reputation once again. [more...]

Date: 2009-08-26 13:25:27

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... of Autonation, have indicated that auto sales could improve by 25% from current levels if credit ... the credit crunch hit. It is arguably the latter that forced the auto maker to go begging to Congress [more...]

Date: 2008-12-30 09:57:00

8 ways to improve your credit score

8 ways to improve your credit score By Katie McCaskey, Geezeo.com Why? Because it’s harder than ever to get a loan. And the higher your credit score, the better your chances of securing a loan at a good interest rate when you need one. Read More » Cheat Sheet Biggest Loser Club on trimming [more...]

Date: 2008-12-13 00:46:40

Make Sure You Get This One Right

Submitted by Edward Harrison of Credit Writedowns . This post is from Niels Jensen of Absolute Return Partners. I have featured his monthly newsletter a number of times on Credit Writedowns (here’s the link to the last one , hilarious title). Jensen is very good. Visit www.arpllp.com to learn more about Absolute Return Partners and to sign up to receive their free monthly newsletter by e-mail. You can reach them by email at info@arpllp.com . [more...]

Date: 2009-07-05 01:06:00

How I Got Bad Credit

July 31, 2009 | By Frances Lexington In Finance | by Frances LexingtonA few months, I went through some rough moments in my life. I got laid off after the company I worked for went down. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies.My life became a living hell of collection calls and non-stop harassment from debt collectors. [more...]

Date: 2009-07-31 23:37:24

Democrats say Brownback tries to take credit for stimulus project

Democratic leaders in the state Legislature are accusing U.S. Sen. Sam Brownback of hypocrisy over federal economic-stimulus spending for a Hutchinson rail spur, claiming he is trying to take credit for something he opposed.At issue is a news release issued by Brownback’s office last week titled “Brownback applauds infrastructure development in Hutchinson, Kansas,” celebrating a $1.78 million federal grant to help build a rail spur to serve the Salt City Business Park.On Monday, Kansas Senate [more...]

Date: 2009-09-21 22:45:29

Qualifying for a Mortgage

With the $8,000 first-time homeowner’s tax credit deadline approaching, many people are still trying to get in on the deal. If you’re in this boat, don’t assume that just having a down payment is enough (even though it’s a big help). Applying for a mortgage involves a thorough check into your finances to see if you really qualify for a mortgage loan. This process takes time, and waiting to the last minute could cost you the tax credit. [more...]

Date: 2009-09-22 10:00:54

Credit Card Laws and Court Rulings–Have They Helped Consumers?

This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]

Date: 2009-09-25 19:18:38

Choosing Between Chapter 7 and Chapter 13

The current global financial crisis caught many Americans unprepared for a downturn of the scale that has happened. As a consequence, many Americans found themselves in a situation where their financial liabilities far outpaced their ability to keep up without access to easy credit. The tightening of the credit markets in response to the current crisis inevitably led to a radical increase in the number of bankruptcies filed in the United States. [more...]

Date: 2009-09-11 20:55:33

How’s “Cash for Castles” Doing? – Analyst Blog

The $8,000 tax credit for first-time home buyers is going to expire on November 30th. People have to close by that date, which means they really have to agree to buy within the next few weeks. The housing market has begun to rebound a bit, and the tax credit has been part of it. So should Congress extend, or even -- as some are advocating -- expand the program? My answer would be no, certainly no to expansion. [more...]

Date: 2009-09-22 21:02:49

Don't follow Japanese example - stocks are NOT cheap

Thousands of Japanese households are pouring their savings into stocks and other risky investments. It is the last stance of greed. Easy money ... % and corporate bonds may turn out as junk. We are looking at a fundamental shift not only how credit ... , mortgages, credit cards, car loans, etc. Debt is what you are ultimately responsible [more...]

Date: 2008-11-07 15:12:21

Financing Information and services Payday Loans How Can I Get A No Credit Payday Loan BADCREDIT

Date: 2009-09-17 08:10:01

7 Don’ts for Fiscal Freshmen

Date: 2009-09-23 08:59:15

FILING FOR BANKRUPTCY, WILL THEY CLEAR HEALTH LOANS TOO?

Okay so we unequivocally didn’t intend upon all to finish up similar to this, we feel hideous as good as comprehend my mistakes as good as wish to repair them. we only can’t means it anymore. we have a 2 credit cards with a sum of 8,000.00 charged up upon them. we have a loan from collateral a single healthcare as good as a loan from caring credit. So fundamentally dual illness loans. we have a automobile loan as well. I’m in 28,000 low as good as in my EARLY 20’s. [more...]

Date: 2009-09-28 18:18:54

WHAT DO I DO ABOUT AN AUTO LOAN IF THE PERSON THAT COSIGNED FOR ME IS IN HOME HEALTH CARE FACILITY

Author: admin Filed under: Health LoanDate: Sep 26,2009 You compensate a automobile loan. They stranded out their great credit for you. No a single will worry him/her as prolonged as we do not screw it up. If we screw up, we hurt your credit as well as which bad essence will be hassled by a monetary institution. Don’t let which happen. Pay your impost upon time as well as no a single will worry him/her. we goal he/she gets better. [more...]

Date: 2009-09-26 13:09:01

Iowahawk Debates: the Credit Bailout

The subprime mortgage crisis rocked Wall Street again last week, ... like Dave Burge lied to us about their credit histories and collateral, and now we are stuck with bad ... , IOWAHAWK Linda, we both know that credit is the lifeblood of the American economy. But today [more...]

Date: 2008-09-24 15:32:37

When The Bill Collector Calls

A couple of weeks ago I received a very unusual phone call ... , I pulled a copy of my credit report and there was no credit card account bearing that number nor ... . The caller stated that she was calling in reference to my XYZ Bank credit card and asked [more...]

Date: 2008-11-17 11:00:33

Financing Made Possible Online Payday Loans Auto Loans and car Loans And Bad Credit Motorcycle

Date: 2009-09-12 03:08:49

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

Bad Credit Car Loans

The worst case credit scenario for all of us is bankruptcy. I read an article by a bankruptcy attorney once that people’s biggest fear when they’re deciding whether to go through bankruptcy is that they’ll never be able to own a home again and they’ll never be able to buy another car. Those fears aren’t really justified, but it’s true that borrowing for cars and houses is going to get much tougher after you’ve gone through the big BK. [more...]

Date: 2009-08-15 13:17:19

WOULD YOU BE WILLING TO INVEST IN A HIGH RISK LOAN FOR 28.75 % IF YOU KNEW THE PERSON HAD A GOOD JOB?

We have over 80,000 a year as well as we have a bad credit rating since of a illness emanate as well as a small not so intelligent choices. We have been perplexing to get a loan to compensate off all upon a credit (less than 7000.00) not counting a automobile loan (up in FEB 07) as well as a residence (we owe110,000 as well as it is value 135,000, though can’t get a home equity loan in TX b/c of a refiance usually 80% law.) We can means a remuneration of up to 475.00 a month. [more...]

Date: 2009-09-29 00:45:13

Identity Theft Leaves an Uncomfortable Sense of Nakedness

When identity theft occurs, the victim faces an endless paper chase contacting lenders and credit agencies. Even more so, these victims often feel violated, stripped of their privacy, left with an uncomfortable sense of nakedness. Their account balances, credit cards, debts and financial information are compromised and in most cases of identity theft, the thieves have run up bills into the thousands of dollars. [more...]

Date: 2009-09-01 20:35:17

Latest Tips For Using Loan Calculators To Save Money

September 28, 2009 | By John Boone In Finance | by Ann WhittakerImagine the next time you join a discussion about simple loan payment calculators. When you start sharing the fascinating loan calculator facts below, your friends will be absolutely amazed.Financing your dream car and keeping bad credit at bay is as simple as 1-2-3. Financial institutions are increasingly becoming flexible about bad credit personal loan applications. [more...]

Date: 2009-09-28 20:24:26

No Credit Check Payday Loans

For borrowers with a bad credit history, 'no credit check loans' may be the only realistic loan option available when looking to borrow money, as they are relatively easy to have approved. Having bad... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-27 16:59:26

Let me see

Mark Brooks had a Kindle idea which got me thinking: Let me see the percentage of people who have bought a book and actually finished reading it. ( ... of how many times someone has been unfriended. Sort credit card offers based on data from Mint or Wesabe... show me the credit cards with the fewest bankruptcies/financial troubles among recipients [more...]

Date: 2008-07-08 11:06:11

Latest Tips For Using Loan Calculators To Save Money

Date: 2009-09-28 20:24:26

Latest Tips For Using Loan Calculators To Save Money

Date: 2009-09-28 20:24:26

Credit Crisis Prompts Upheaval at Buyout Firms

P.A.I.’s management revolt over the summer shows how private-equity executives are feuding over power, money and strategy after the credit crisis shut off the debt financing used to make acquisitions, Bloomberg News reported. Dominique Megret’s exit from P.A.I. follows the departure this month of Jon Moulton from Alchemy Partners, the London-based firm he founded 12 years ago, after a dispute over investment strategy. [more...]

Date: 2009-09-29 08:53:46

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

Mortgage Refinance – How to get Approval to refinance mortgage?

Amazon.de Widgets Only a few years ago, you could find a mortgage refinance company ready to issue you a loan as long as you had a honest credit score and a first installment. With a touch of paperwork to fill out, speedy credit check and employment confirmation, the keys to your dream house were yours before you knew it. Well, those days have come to an end. [more...]

Date: 2009-07-17 12:09:28

16 months?

Jim Welsh of Welsh Money Management has been publishing his monthly investment letter, “The Financial Commentator”, since 1985 ... of 2007, and more credit losses for banks. In October, he noted that technical weakness in the U.S stock ... Most investors really don’t understand the credit creation process, and as a result, don’ [more...]

Date: 2009-01-05 20:05:11

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