|
|
|
Mike Clover - EzineArticles.com Expert Author
Hello, I would like to consider myself a expert when it comes to your Credit. I am a mortgage lender that understands what most creditors are looking for. I noticed that most had no idea what there credit looked like, nor did they know there credit scores. So I created one of the nations leading resources for general credit information and concerns. I have a passion for helping people undertand there credit worthiness.
[View Mike Clover's Extended Author Bio]
[Display Categories] Sort By [Title] [Newest] [Oldest]
- Social Lending an Alternative to Credit Cards
[Finance] For years, credit card issuers aggressively pursued new borrowers and urged old borrowers to charge more. Mailboxes across the country were filled with new offers, introductory rates, and rewards for getting those cards out of wallets and into use.
- An Urgent Reason to Check Your Credit Report
[Finance:Credit] Credit Card processor Heartland Payment systems recently revealed that cyber thieves had gained access to its system last year - stealing names, card numbers, and expiration dates. Since Heartland processes about 100 million payment transactions per month for 175,000 merchants, the chance that you've been affected is good, if you ever use your credit cards. Heartland's president and CEO Robert Baldwin says the company plans to notify every card holder who was affected - once the final count has been determined.
- Why Banks Have Been Extending More Credit Even As They Clamp Down
[Finance] While credit scores have been dropping, even for consumers with perfect payment histories, and banks are refusing to lend based on those lower credit scores, the amount of money being lent still increased in 2008. How can that be? Both consumers and businesses have been tapping into sources the banks did not expect them to use: previously issued lines of credit.
- Identity Theft Can Steal Your Good Credit Scores and Your Reputation
[Legal:Identity-Theft] With credit scores more important than ever, more and more thieves are turning to identity theft to allow them to do and have the things they want to do and have. And these thieves are bold in their approach to getting their hands on your identity. Once they have a few details like your social security number, date of birth, and address, they can proceed to create their own new identities - as you.
- High Credit Scores Create Happy New Homeowners
[Real-Estate:Buying] Your high credit scores today are the ticket to happy and satisfied homeownership tomorrow! With foreclosures and short sales driving down the price of both pre-owned homes and newly constructed homes - and with interest rates at historically low levels, a high credit score can be your newly paved path to the "American Dream." 4th quarter 2008 figures are coming in now - and while the news is sad for homeowners hoping to sell, it's good for those seeking to buy.
- New FICO Credit Scoring System Could Help Or Hurt You
[Finance] Fair Isaac has announced a 2009 makeover to the credit scoring system that most companies use to determine your credit worthiness. The company says as many as half of all borrowers will see their scores go up or down by about 20 points as a result. One bit of good news is that an occasional missed payment will not carry the detrimental weight it once did.
- How No Credit Can Hurt You
[Finance:Credit] Thought paying cash for everything help you? Think again.
- Average Consumers - FICO Score Too Low For Good Rates
[Finance] Your FICO score determines the interest rate you'll pay for a home mortgage or a car loan - the higher the score, the better the rate offered. But the minimum score to obtain the best rates has gone up, while the average consumer's score has remained static. According to John Ulzehimer of Credit.com, the average credit score is 690. Not long ago, consumers only had a short jump - to 720 - to receive the best interest rates. Many could accomplish that by removing errors and making a few changes in their credit usage.
- Get Your Free Credit Report - Find Out What Everyone Else Knows About You
[Finance:Credit-Tips] It really is kind of scary to realize that strangers can pull your credit report and thus access your credit history - and that they use it to create a picture of your life. All they need is your social security number - and that isn't hard to get any more. From that they can determine many things to some degree of accuracy.
- Pay Your Debts to Raise Your Credit Score
[Finance:Credit-Tips] Sounds simplistic, doesn't it? Just pay down your debts, your credit score will raise, and all will be fine. But if you're in debt, there's probably a reason - such as spending in excess of your income.
- FICO Demystified
[Finance:Credit-Tips] Your lender rattles off the term as if everyone knew exactly what FICO meant. But most of us don't even know what the letters stand for. The first part is simple: The Fair Isaac Corporation.
- Good Credit Saves You Money in More Ways Than One
[Finance:Credit] When you think of needing a good credit score, the first thing that comes to mind is buying a home. Next is buying a car, and third is probably the ability to get a credit card. It's true, a good score will help you in all those areas.
- Your Credit Score May Just Been Lowered
[Finance:Credit] If your credit score was just lowered, how would you find out? There are so many avenues now to get your credit report it's actually pretty easy. But what if it actually was lowered to the point that it would really cost you on loans?
- Parents! You Must Home School Your Children
[Finance] No, I don't mean you need to teach them grammar, math and geography. You can leave those subjects up to the school system and hopefully they'll learn what they need to know with just a little help from you at homework time. I'm talking about a subject that will have far more impact on their lives than knowing the capital of Montana, or the proper conjugation of a verb.
- When Should You Check Your Credit Score Report?
[Finance:Credit] There is a lot of debate out there on when you should check your credit score report. I am sure you have read that you can get your credit report for FREE at annualcreditreport.
- What First Time Home Buyers Need to Know
[Real-Estate:Buying] The hard way always seems to be the better way. I have been told there are two ways to do things in life, "The hard way and the easy way." I think most want to do things the hard way.
- Avoid a Low Credit Score
[Finance:Credit-Tips] With your Credit Score being the doorway to financial health I thought I would give some tips on what to avoid so your credit score is not affected. If your credit score is currently low I guarantee that you are paying too much to your creditors. Any business that is in business for profit is looking for a reason to make money.
- Life After a Foreclosure
[Real-Estate:Foreclosures] Your life during a foreclosure might seem never ending. A foreclosure does affect your credit score report, but the good news is there is life afterwards. If you have fell victim to the Sub-Prim meltdown which caused you to loose your home, I will explain to you how you can recover from this fairly quick.
- Don't Think Identity Theft Can Happen to You - "Think Again"
[Legal:Identity-Theft] During the course of the day you may write a check at the grocery store, charge tickets to a concert, mail your tax returns, rent a car, and apply for a new credit card. Your probably don't think twice when you are doing these type of activities. An identity thief is always watching.
- Need Quick Cash But Your Credit Score is Bad?
[Finance:Loans] Get a quick loan overnight. Learn how.
- How a Co-signer Can Affect Your Credit Report
[Finance:Credit-Tips] Do you want your credit score to plummet, go ahead and co-sign for someone. I personally believe this is a huge problem. With your credit score and credit report being the roadmap to financial health, the question is can you really afford to co-sign for friends and family.
- Common Credit Report Mistakes
[Finance:Credit] Your credit report is not something to be taken lightly these days. It is almost as important as your social security card. There will come a time where your credit report will be required for credit purposes.
- Free Credit Repair
[Finance:Credit-Tips] To repair bad credit might be a mystery to most, but the process is actually quite simple. With all the bad credit out there, you would think there must be something in the water. I know there are different circumstances that cause people to get into trouble, but the mystery to get out of trouble just baffles everyone.
- Why FHA- With Your Credit Score
[Finance] Did you know FHA loans has been around since 1935? That is pretty amazing if you think about it, this type of loan has been around since right after the "Great Depression." Also a added benefit of FHA is that it does not have credit score requirements.
- Get Credit Report Information and Credit Questions On-line
[Finance:Credit] Your credit report is accessible 24/7 on the internet in a few clicks. Equifax just released how the internet is a great resource for accessing anything about your credit. The internet is amazing in regards to how you can get the information you need to fix just about anything.
- Credit Report Affected By Un-Paid Utility Bills
[Finance:Credit-Tips] Thought utility bills would not affect your credit score ? Think again.
- Foreclosure Crisis - Learn What Lenders Don't Want You To Know
[Real-Estate:Foreclosures] Did you know most of the foreclosures taking place now could have been avoided? With all the foreclosures taking place because of adjustable rate mortgages (ARM's), this could have been avoided if the lender had put families in a 30yr fixed mortgage. During the real estate boom, individuals that had less than perfect credit were put into sub-prime loans.
- Top Tips To Help You Secure A Mortgage Loan
[Real-Estate:Mortgage-Refinance] The American dream is to own a home someday. We all have this passion deep down in side. Most Americans don't have the money to pay cash, so they turn to lender to assist with the purchase of there first or second home.
- Credit Report After A Bankruptcy
[Finance:Bankruptcy-Tips-Advice] Your credit report after a bankruptcy will look like a bomb was dropped on it. Your credit score report will be littered with all kinds of derogatory information. Depending on what type of bankruptcy you filed will determine how long it will take to re-establish your credit.
- How Credit Card Debt Can Affect You?
[Finance:Credit] Credit card debt is a increasing problem in the United States. The credit card companies over the last 10 years have been extending credit to everyone. Yes credit cards are necessary for credit reasons, but it is very easy to over extend yourself real quick.
- How 3-1 Credit Reports With Credit Scores Will Better Educate You
[Finance:Credit] A consumer armed with their 3-1 credit report will save more money than one whom does not have any idea what is on it. Creditors love an uneducated consumer when it comes to borrowing money. Did you know a bank can charge a rate between 1% to 4% difference depending on how aware you are of the market and your creditworthiness?
- Proposed Credit Card and Banking Regulations
[Finance] It looks like the government will be getting serious about credit card regulations. The Federal Reserve Board proposed rules to prohibit unfair practices regarding credit cards and overdraft services that would among other provisions, protect consumers from unexpected increases in the rate charged on pre-existing credit card balances. Regulation AA (Unfair Acts or Practices) The proposal would amend Regulation AA to prohibit unfair or deceptive acts or practices by banks in connection with credit card accounts and overdraft services for deposit accounts.
- Remove Collections From Credit Report
[Finance:Credit] To get collections removed from a credit report there is a process to follow. There is also a big misconception out there that you can get collections removed that you owe. Yes you can get collections removed but there is seasoning requirement in order to get them removed.
- Save Money Because Of Good Credit Scores
[Finance:Credit] Good Credit Scores obviously is to pathway to saving money. You are probably asking why, well the answer is on money borrowed. The average American has to borrow money occasionally for different reason.
- Credit Rating Improved in 30 Days
[Finance:Credit-Tips] Did you know you can improve your credit rating in 30 days? Most people don't know what to do to get their rating up quickly. There are some tricks you can do to your personal credit report to increase your credit score with ease.
- FHA Basics
[Finance:Loans] FHA loans are loans that are insured by (HUD) Housing Urban and Development. FHA loans have been around since the 1930's right after the "Great Depression." This was when 4 out of 10 households owned a home.
- With My Credit Score Can I Get A Mortgage?
[Real-Estate:Mortgage-Refinance] Are you wondering if you can get a mortgage with your current Credit Score? I am sure everyone is sick of hearing about the current credit crunch. It is a never ending cycle in the lending industry.
- Fast Free Credit Report Repair
[Finance:Credit-Tips] Credit Report Repair is a huge business currently. There are credit repair companies opening up all over the U.S.
- Rebuilding your Credit Report
[Finance:Credit-Tips] You cannot erase the past credit report issues for usually 7-10 years. With a little work you can rebuild your credit report before all negative information is set to expire. Here is five easy steps to rebuild your credit report.
- I Have No Credit Scores - How Do I Establish Credit Scores?
[Finance:Credit] If you have no credit scores due to being new to the credit arena or you have just been a cash person all your life there is hope for you. There is one sure way to get the credit score calculated in about 4 to 5 months. In this article I will talk about how to establish good credit scores for a healthy credit report.
- Do Credit Inquires Hurt Your Credit Score?
[Finance:Credit] A credit inquiry is an item on your credit report that shows with permission a creditor requested your free credit score report. Not all credit inquiries affect your credit score: You may notice when you pull your credit report there are inquiries on there from a business you are not familiar with. The only inquiry that affects your credit score is the one where you are applying for credit.
- Do You Need Your Credit Scores With Credit Report?
[Finance:Credit] I was real excited after I went to annualcreditreport and got my free credit report. But to my surprise there were no credit scores. I started asking myself since everyone looks at your credit score shouldn't I know what my scores are?
- Even Celebrities Like Liz Mikel Need Identity Theft Protection
[Legal:Identity-Theft] Did you think Identity Theft Protection is unnecessary? Well you might want to think again. Dallas based actress Liz Mikel just found out the hard way that someone had stolen her identity and been having a field day.
- Learn The "Correct" Way To Buy A Home So It's Not A Disaster
[Real-Estate:Buying] Buying a home is the single biggest purchase you will ever make. Surely you want to make sure it s a smooth process. We are a society that likes to touch and feel.
- Why Annualcreditreport With No Credit Scores Is Not Good Enough
[Finance:Credit] Annualcreditreport gives you a credit report free once a year, but they don't give your credit score. I have been a lender for 7 years, and believe me when it comes to getting your loan done everyone looks at credit scores. Your credit score is a bench mark for banks to sell your loan on the secondary market.
- Bad Credit Report Affects Your Children - Learn Why
[Finance:Credit] Bad Credit Reports will affect your children in many ways. First let's start out with the fact that most Americans are blue collar workers. You are working for the system, which is greedy Corporate America.
- Is Bad Credit A Turnoff?
[Finance:Credit] I figured bad credit is always a good subject matter since it is so common in the U.S. I have read that the average credit score in the U.S. is 650. I would be curious to see what the average credit score is right now after all these foreclosures and credit card debt issues. I would be willing to bet the average credit score currently well below 650.
- How Checking Your Free Credit Score Regularly Will Help You Save Money
[Investing] Checking your free credit score regularly will benefit you because your credit changes every 30 days. You are probably asking yourself what do you mean your credit changes every 30 days. Well the creditors you have obligations with re-report your credit status every 30 days usually to all 3 credit bureaus.
- Learn How To Get A Mortgage While In Bankruptcy
[Real-Estate:Mortgage-Refinance] You are probably thinking how in the world can I get a mortgage while in Bankruptcy? Well guess what you can. In this article I will teach you what to do.
- FTC Credit Report Repair FACTS - For Consumers
[Finance:Credit] The FTC claims that Credit Report Repair may be better for you if you do it yourself. You have seen advertisements on TV, local newspapers, internet.
- Your Credit Report During a Divorce - What to Avoid
[Finance:Credit] I have seen credit reports get littered with collections, charge offs, foreclosures, late payments, and just a total disregard for obligations during a divorce. We all know divorce can be a bad experience for anyone that is going through it. There are times where everything is paid on time as well, but the divorce attorney does not know what will affect your credit report in the long run if the divorce decree is not drawn up properly.
- What Type Of Credit Report Do I Need To Get A Mortgage?
[Finance:Credit] We all know your credit report is very important in the decision making process for loans. With the current tightening up in the lending arena, one might ask yourself what is required to buy a house in today's market? During the last 7 years buying a house was fairly easy for just about everyone.
- Free Credit Report - Is It Necessary During Today's Times?
[Investing] Free Credit Reports are plastered all over the place, internet, TV, radio, and mail. The need to know is so important these days because everyone wants to know your credit. The current credit crunch that is taking place is making it tough to get loans, jobs, credit cards, and / or new place to rent.
- ID Theft Basics - How To Protect Yourself
[Legal:Identity-Theft] Current studies show that ID Theft is at epidemic proportions. The Federal Trade Commission surveys estimated that there are close to 9.9 million victims and growing by 2 to 3 million a year.
- Common Credit Mistakes That Affect Your Credit Score
[Finance:Credit] Your Credit Score could be affected by little mistakes made on your part. These mistakes are made all the time, and most don't realize the impact on your credit report and credit score. We have seen these common problems quite often, even though you are providing help for a family member or friend.
- Credit Reports Without Credit Scores Are Useless
[Finance:Credit] It is amazing how just about everyone that provides a service to you these days wants to know your credit risk. Your personal credit is not longer a secret; it's a part of our everyday life. So if all these companies pull your credit, what are they looking at?
- First Time Home Buyers - Tips and FAQs
[Real-Estate:Buying] If you are a first time home buyer, you more than likely don't know what the process is. Most first time home buyers rely on a real estate agent to guide them a long. Here is the advice and tips that will make your home buying experience a good one.
- Free Credit Report - No Credit Card Required - Where To Get One?
[Finance:Credit] Free Credit Report with no credit card required you need to go to annualcreditreport.com once a year. Here is what they don't tell you, when you get your Free Credit Report at annualcreditreport.
- Lending Institutions Tightening Up On Credit Score Requirements
[Finance:Credit] Your credit score could make or break you in 2008. With all the foreclosures and defaults on credit cards, banking guidelines are getting tough. During the "Real Estate Boom" just about anybody could get a loan.
- Credit Report Dispute - How Long Does It Take To Remove?
[Finance:Credit] Correct incorrect information being reported about you on-line. Start disputing with ease. Learn how in this article.
- Credit Cards Messed Up My Credit, Why Do I Need Them?
[Investing] Credit Cards may have been the reason your credit got the way it is. So you decided not to ever have one again. I know credit cards are evil, but they are a necessary evil to establish credit.
- How Chapter 7 and Chapter 13 Bankruptcies Will Affect your Credit Score
[Finance:Bankruptcy] Your Credit Score will be affected whether you file Chapter 7 or Chapter 13. But which is worse? In this article I will discuss the Pros and Cons in regards to how each bankruptcy will affect your personal credit rating.
- Top 10 Reasons to Have Your Free Credit Score Report
[Finance:Credit] Learn what most don't know. Get your Free Credit Score Report today.
- Increase Your Credit Score in 5 Easy Steps
[Finance:Credit] I have learned what it takes to help you increase your credit score over the years, through helping families I provide financing for. We know credit and what determines your scores; get advice in this article so you can start benefiting the financial rewards. Do you have damaged credit, and have wondered what to do?
- Your Access To Free Credit Reports
[Finance:Credit] Free Credit Reports; have you wondered where to get one? There are so many different web sites out there offering this service, since it is so important these days to know what's being reported about you.
- Get Your Credit Score Straight For 08!
[Finance:Credit] Learn how to increase your Credit Score for 2008. Your Credit Score for 07 may have been a little under the weather. Towards the end of the year, we all look at what we have accomplished, and what our new goals are for the New Year. Maybe increasing your Credit Score is one of your goals for 2008.
- Best Credit Report - Tips and FAQs
[Finance:Credit] Do you even know what's being reported about you? Do you have the best credit report, if not learn how you can.
- Your Credit Score Could Affect Your Christmas
[Finance:Credit] Is there a Black cloud over your head at Christmas, because of your Credit? Learn how to save in this article, so your Christmas is bright and sunny.
- I Have No Credit Scores, Can I Get A Mortgage?
[Real-Estate:Mortgage-Refinance] Can I get a mortgage with no Credit Scores? I will discuss how you can in this article.
- What is FICO Score?
[Finance:Credit] Have you ever wondered what a FICO score is ? Well is this article we will discuss what it means, and where it originated.
- What's My Credit Score?
[Finance:Credit] What's my Credit Score, which is the million dollar question? Really, it's the million dollar question. The reason is your Credit Score could cost you millions of dollars over your life time. Your Credit Score could take two different directions, Good or Bad.
- Good Credit Scores or Bad Credit Scores - She May Decide Not to Marry You
[Finance:Credit] Good Credit Scores are pretty much a must these days. It's common these days for someone to ask what your credit scores are, before any commitment is made.
- Why Banks Don't Want You to Know Your Credit Score
[Finance:Credit] Can banks make as much money on someone that knows there Credit Score? The answer typically is no.
- Do I Really Need a Current Copy of My Credit Report?
[Finance:Credit] Years ago, you could not even get access to your Credit Report. Finding out what was being reported about you was a BIG secret. As a matter of Fact, banks did not want you to know. This article discusses why it is so important to know whats on yours.
- Increase Your Credit Score - Insider Secrets
[Finance:Credit] Learn how to increase your Credit Score quick and easy. There are some simple techniques to increase your score. One of techniques out of 7, require rapid rescoring.
- How to Freeze Your Credit Report, and Protect Your Iidentity Immediately
[Legal:Identity-Theft] Red Tape Chronicles has a good guide for how to set up a credit report freeze at each of the three major credit bureaus. Learn how to protect your Identity quick and easy on line.
- High Credit Score Advantages
[Finance:Credit] This is why you need to know you credit score, is your credit score about 720? Everyone seems to realize that having a high credit score is great, but there are even more advantages than most people know. Qualifying for loans tends to be the advantage that most people focus on, but discovering the other advantages might really ignite an interest to work toward a higher score.
- Is Credit Repair A Scam?
[Finance:Credit] In this article we will discuss credit repair, and if it is a scam. If you want to find an industry with a horrible reputation look no further than credit repair. Over the years I have seen countless companies coming to my office wanting me to send all of my applicants for a mortgage who had bad credit to them. Most of them stated the same thing, "I will get it removed."
- Credit Score Mythology
[Finance:Credit] There is so much information out there on improving your credit score that it is hard to know what really works. Because most people never take a class or fully understand the credit system, a host of myths and misinformation has developed regarding the subject.
- What Exactly Do You Get In A Free Credit Report?
[Finance:Credit] In this article we will discuss the misconception of free credit reports. There are lots of advertisements out there saying get your free credit report. But what exactly does a free mean, and what do you get for free? I have personally seen about 3 different types of reports being advertised out there.
- Credit Report
[Finance:Credit] A Credit Report is a snapshot of your current obligations to creditors. These creditors include credit card companies, mortgage companies, banks, and retail stores. Lenders are permitted by law to check your credit report and review it in order to determine whether or not to grant it to you.
- Fixing Credit Report Errors
[Investing] After taking the first step of obtaining a free credit score report, the next most common step to improving your credit score is to correct any errors that might be present. Strangely enough, errors do occur, and it is well worth taking the time to dispel such inconsistencies. You must carefully scrutinize the report in order to correct things like account numbers, names, wrong information, as well as items that are out of date. The last error type is the most common mistake and when corrected can have an important impact on your score.
- Free Credit Score Report
[Finance:Credit] Learn how you can really get a Free Credit Report and Score. A lot of these companies advertise Free Credit Report, but fail to mention you don't get a Credit Score.
- Credit Report Monitoring to Protect Your Identity
[Legal:Identity-Theft] Identity Theft is more of a problem than you think. Just when you thought you were doing everything to prevent this, you suddenly found out you really were not. Identity theft is at an all time high as a result of the digital age of paperless transactions and online databases. Why would anyone want to steal someone's identity? Some people think it is just for the purpose of starting fresh or getting away from their previous life, but the vast majority of identity thieves do it for money.
- Top 5 Ways To Build Killer Credit
[Finance:Credit] Here are some basic rules for building credit, that will help you establish Killer Credit. We as a lender recommend this to our clients all the time, and if they listen, we help them 100% of the time.
- Your Credit Scores Could Cost You Millions Over Your Lifetime
[Finance:Credit] Most probably don't realize how your Credit Scores could really cost you over your lifetime. If you take the time and put on paper like I have in this article, you might be extremely frightened.
- Your Credit Score Could Affect Your Life
[Finance:Credit] There is much information out there concerning your Credit. But what exactly does your Credit mean? In this Article I will discuss three categories. The first is your Credit Score, the second will be your Credit Report, and third will be your entire Credit Report with all 3 Scores.
|
|
|
