6 Things to Negotiate When Buying a House
Categories: Uncategorized Tags: Air Conditioning, Buying A House, Credit Card Debt, Credit Score, Downstairs, Flickr, Good Time, Home Inspection, House Hunting, Housing Market, Interest Rate, Paint, Plumbing, S Market, Stable Job, Thousand Dollars
Why Was My Credit Limit Lowered?
Jennifer writes in: Yesterday, I received a notice from [my credit card company] that my credit limit had been lowered from $10,000 to $4,000 on my primary credit card. I was immediately worried that my credit had been damaged by identity theft, so I checked it on annualcreditreport.com and there was nothing there at all. I’ve always paid all of my bills on time and my life has been pretty much normal and unchanged for a long time. Why would they make this change? I’m not concerned about reaching my credit limit, but that reduction in my limit does alter… Read the whole article...Categories: Uncategorized Tags: Business Practices, Credit Card Bills, Credit Card Companies, Credit Card Company, Credit Card Industry, Credit Card Issuers, Credit Cards, Credit Rating, Credit Ratio, Credit Score, Debt Ratio, Decade, Downturn, Identity Theft, Long Time, Negative Impact, Typical Scenario
Does a Credit Score Matter to Someone Living a Debt-Free Lifestyle?
Mary writes in: My husband and I have been debt free for seven years. Hooray! We cancelled all of our credit cards in 2001 and paid off our home mortgage in 2002. A few weeks ago, our homeowners insurance premium went up substantially. I called our agent to ask why and he told me that our premium was automatically raised because our credit score was low. I got worried and checked our credit report at annualcreditreport.com (as you suggested before) and found nothing at all on our credit report. So, I called our agent back and told him the story.… Read the whole article...Categories: Uncategorized Tags: Credit Cards, Credit Report, Credit Score, Debt Free, Free Lifestyle, Home Mortgage, Homeowners Insurance, Insurance, Insurance Company, Insurance Premium, New Insurance, Risk Category, Seven Years
Tips To Rebuild Your Credit After Bankruptcy
According to the Wall Street Journal, personal bankruptcy filings are up 32% from 2008. Sometimes, your personal financial situation is so bad, bankruptcy is the only option. While bankruptcy may wipe your financial slate clean, unfortunately, it will also kill your credit score and stay on your credit report for at least 10 years. While filing bankruptcy may hurt your credit for the first few years, you can take steps to rebuild your credit. The first and most important thing to remember is to not to get back in a situation where you end up over your head in debt.… Read the whole article...Categories: Uncategorized Tags: 10 Years, Bad People, Bad Things Happen To Good People, Bankruptcy Credit, Cell Phone Companies, Credit After Bankruptcy, Credit Report, Credit Score, Creditors, Filing Bankruptcy, First Few Years, Health Problems, Jobs, Pay Bills, Personal Financial Situation, Slate, Wall Street, Wall Street Journal
Types of Student Loans and Things You Should Consider
Both federal and private bodies help students pay for their schooling in the form of loan, which is a twenty-first century tool available to every student in need of tuition money. This one-stop panacea assists students especially those from low-income families reach the height of their professional dreams. Student loan interest rate is considerably lower when compared to conventional loans. Best thing about student loan is that you do not have to pay back the loan until after school. Even after college, you still have ample time like six to twelve calendar months to begin paying back the loans and… Read the whole article...Categories: Uncategorized Tags: Credit Score, Department Of Education, Extra Money, Federal Student Aid, Panacea, Student Loan Interest, U S Department Of Education
30% Off FICO Scores at myFICO.com
Want to check your credit score to start off the new year? Here’s a current coupon for real FICO scores and all other credit products at myFico.com. Use the promotional code SURVEY30 to get 30% off and a FICO score for about $11, the best discount currently available: The code is good until December 30th, 2009 (although try it as it may still work even after that date). As a backup, you can also get 26% off with the codes DECEMBER26 or 26UNTIL2010 until 12/31/09. Experian no longer allows Fair Isaac to sell FICO scores to consumers at… Read the whole article...Categories: Money Tags: Consumers, Credit Score, Decisions, Fair Isaac, Fico Score, Fico Scores, Lenders, New Year, Promotional Code
Things to Have Removed from your Credit Report
Categories: Uncategorized Tags: Attempt, Auction, Bankruptcy Credit, Banks, Credit Report, Credit Reports, Credit Score, Lending Institutions, Mortgage Lenders, Mortgage Payment, Mortgage Payments, Period Of Time, Possession