Finance

Sep 30 2017

Why Is There Information on My Credit Report That Is Not Mine? #secure #credit #cards

#my credit report # Find out why your credit report might contain debts and other information that are not yours. A recent study indicated that roughly 80% of credit reports are inaccurate. At least 25% contain errors so important that it may impact credit decisions. It’s hardly surprising, then, that your credit report might contain inaccurate personal information, including information about debts that do not belong to you, addresses and names that are not yours, and more. Here are some common mistakes, why they happen, and what you can do to fix them. Incorrect Personal Information outdated or incorrect employment …

Sep 25 2017

Are there HARP Loan Disadvantages and Dangers? #personal #loans #bad #credit

#harp loan program # Check HARP Refinance Rates Are there HARP Loan Disadvantages and Dangers? Dustin Meshberger Some have contacted us asking about some of the disadvantages and dangers of the HARP Loans program.  We were at first taken aback by this because some people viewed this program as a “too good to be true” government program.   Many were jaded and suspect that the government was willing to help the common homeowner with their mortgage and keep them in their homes.  After we spoke with them, those who qualified have never been happier.  Most homeowners are taking advantage of today’s …

Sep 9 2017

Is There Sales Tax on a Vehicle Trade? #scrap #cars #for #cash

#used car trade in value # Other People Are Reading Resources To find out about your state and area’s tax rules and charges, call your state motor vehicle department or visit its website. Or ask the dealership you’re purchasing from. Dealers are authorized to collect all applicable state taxes, motor vehicle fees and inspection or emissions costs. You may find that your state recognizes your trade-in as a tax deduction, which you can use to your advantage when budgeting or determining a loan amount. You may not have to provide as much of a down payment as you originally thought. …

Sep 8 2017

Your Credit Report – What s On It and How Does It Get There #how #do #you #get #a #credit #score

#how do you get your free credit report # That s not a problem for positive entries, but negative comments by your creditors can affect your buying power for several years. If the comments are accurate, they can stay on your report for seven years. Bankruptcies can remain on your report for ten. Personal Information on Your Credit Report These items are not used to evaluate your credit history. They are gathered from information you give to your creditors. Full name and variations of it (such as maiden names) Social security number Birth date Current and previous addresses Current and …

Sep 1 2017

Jersey Shore summer rentals are still out there #auto #rental #deals

#jersey shore house rentals # Jersey Shore summer rentals are still out there — if you’re flexible For beachgoers just now starting to search for a Jersey Shore rental property to call home for a week or more this summer, realtors say flexibility is key. If you wanted the six-bedroom, four-bathroom oceanfront home in Lavallette listed by Birchler Realtors for the first week of August, it’s not available then. Same goes for a two-bedroom, two-bathroom oceanfront condo in nearby Ortley Beach. But last week, both properties were still not booked for the last week of August. “I wouldn’t say we …

Aug 25 2017

800 Credit Score: Secrets of How To Get There (And Above! ) #how #do #i #get #a #credit #card #with #no #credit

#getting your credit report # 800 Credit Score: Secrets of How To Get There (And Above!) by CreditCardGuru So, is 800 considered an excellent credit score? Well according to 2011 data from FICO, 18.3% of consumers have FICO scores between 800 and 850. So, while the 800-and-over club is exclusive, it s not unattainable. But how do you get there? If you re curious about how to achieve an 800 credit score, you should go straight to the source. MyFICO.com – This is Fair Isaac and Company s (FICO) site for consumers. Yes, the site actively markets FICO s credit …

Aug 24 2017

Is there anyway of getting a truly free FICO score #tenant #credit #check

#truly free credit score # Is there anyway of getting a truly free FICO score? Susie Dresh Answered Last The Only Official Website is annualcreditreport.com The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The three companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free credit report. The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know …

Aug 22 2017

Are There Car Loans for People with Bad Credit? #auto #zone

#auto loan # Are There Car Loans for People with Bad Credit? Advertiser Disclosure September 19, 2013 by Gerri Detweiler In many parts of the country, a car or truck is a necessity. Unless you ve managed to save enough to pay cash for your next vehicle, you ll have to get an auto loan. But what if your credit is bad? Can you even get a loan? There are car loans for people with bad credit, but you need to be careful when shopping for one to make sure you aren t overcharged. If you re looking for a …

Aug 2 2017

There Are 3 Major Credit Scores You Should Know #cars #for #people #with #bad #credit

#3 credit scores # There Are 3 Major Credit Scores You Should Know You may have heard someone mention that there are “3 credit scores.” What they mean by this is that there are three main credit reporting agencies that collect data and subsequently sell credit reports and scores. These bureaus include Equifax, Experian, and TransUnion. And if these credit scores are packaged and sold in one credit report, which they often are, it s considered a tri-merge credit report. A tri-merge credit report includes 3 credit scores from the aforementioned credit reporting agencies, giving you a great overview of …

Jul 28 2017

Detroit Is Auctioning Off Incredible Old Homes For $1, 000, But There s A Big Catch (PHOTOS) #affordable #houses #for #rent

#houses for cheap # Detroit Is Auctioning Off Incredible Old Homes For $1,000, But There’s A Big Catch (PHOTOS) Kate Abbey-Lambertz National Reporter, The Huffington Post Want to buy an incredibly cheap house in Detroit? You’re in luck — just make sure you read the fine print first. A new program introduced by Mayor Mike Duggan Monday addresses one of Detroit’s largest problems — thousands of vacant and blighted houses — by auctioning off some of the nicest ones to people who want to live in a Detroit neighborhood. (Scroll down to see a a slideshow of the properties.) The …

Jul 24 2017

Are there any credit cards for people with no credit history? #car #credit

#credit cards for people with no credit history # Are there any credit cards for people with no credit history? Fortunately, there are some available credit cards for people with no credit history. To protect them, many credit card companies deny applications of individuals who have bad or no credit. The good news is that some companies will give you a chance, and even if they don’t, there are other options for building up your credit. Use the FREE credit card chaser  tool on this page to help you find the best credit card for your needs! Although it may …

Jul 5 2017

Is it really cheaper to buy a car online? When you buy a car online is there a drop off in service from the dealer (Car Buying True Market Value (TMV)) #used #vans

#buy car online # tony78 05/29/08 11:43 am PST Edit Answer (for another -12 minute) My feelings on buying a car on the internet are this. The internet is a good place to start and and try and get a good price and once you find the car you want you could negotiate a deal on line, but at some point you have to physically go into the dealer and pickup the car and that is where the real buying experience starts. Now on line you may be able to read about the cars features, specs, performance and handling, but …

Jul 4 2017

Is there a way to rent a car without a credit card? travel automobile rental #property #rentals

#ρεντ α ψαρ # Is there a way to rent a car without a credit card? Sure, for most large rental companies. You need a bank debit card with a good bit of cash padding. They’ll take out some hundreds of dollars ($300? $500?) and return it when you return the car. posted by cmiller at 10:02 AM on November 15, 2007 Alamo has no problem with a debit card if you have an airline ticket. I’ve actually done this with no problem. Also a lot of local rental places will allow it if you give them a deposit. My …

Jul 4 2017

Guaranteed credit cards: is there such a thing? #credit #card #help

#guaranteed credit card #Do guaranteed credit cards exist? iStock.com/GerbertAndrey AFTER a recession induced break ‘guaranteed’ credit cards are once again beginning to slip through UK letterboxes. The siren call of pre-approval is likely to draw in more than a few consumers but do guaranteed credit cards actually exist? Short answer No. Long Answer Pre-approved credit card offers aren’t actually offering guaranteed credit cards: ‘guaranteed’ implies that you’re 100% certain to be accepted. Yet no credit card actually offers guaranteed approval, all providers will expect you to undertake a credit check before you’ll be considered, which means that your application could …

Jun 11 2017

Are There Car Loans for People with Bad Credit? #auto #insurance #calculator

#auto loan # Are There Car Loans for People with Bad Credit? Advertiser Disclosure September 19, 2013 by Gerri Detweiler In many parts of the country, a car or truck is a necessity. Unless you ve managed to save enough to pay cash for your next vehicle, you ll have to get an auto loan. But what if your credit is bad? Can you even get a loan? There are car loans for people with bad credit, but you need to be careful when shopping for one to make sure you aren t overcharged. If you re looking for a …

Jun 11 2017

Claudia Buck: There really is a ‘free’ credit score #barclaycard #credit #card

#truly free credit score # Claudia Buck Credit reports are free; credit scores will cost you. That used to be the mantra, but it’s changing. From banks to auto lenders to personal finance websites, there are places where you can get your credit score for free. A growing number of banks, auto lenders, credit card companies and consumer sites are providing consumers with free access to their credit scores. “If your goal is to get a credit score, you don’t have to pay for something to get it,” said Greg McBride, spokesman for Bankrate.com. Last fall, Barclays bank was one …

May 31 2017

Your Credit Report – What s On It and How Does It Get There #how #do #you #get #a #credit #score

#how do you get your free credit report # That s not a problem for positive entries, but negative comments by your creditors can affect your buying power for several years. If the comments are accurate, they can stay on your report for seven years. Bankruptcies can remain on your report for ten. Personal Information on Your Credit Report These items are not used to evaluate your credit history. They are gathered from information you give to your creditors. Full name and variations of it (such as maiden names) Social security number Birth date Current and previous addresses Current and …

May 25 2017

Is there a subprime auto loan bubble? #calculate #auto #loan

#subprime auto loans # Is there a subprime auto loan bubble? Vehicle Sales agreement with pen (Photo: Getty Images/iStockphoto) Subprime mortgage lending shouldered much of the blame for the last financial crisis. Now some observers are concerned that a recent jump in subprime auto loans could also mean disaster for markets. According to the Federal Reserve Bank of New York. the number of auto loans made to borrowers with credit scores below 660 has nearly doubled since 2009 – a much greater increase than in any other loan type. Other studies find repossessions climbing as well. Will these trends precede …

May 19 2017

Quick and Easy Cash? There s Nothing Easy About Payday Loans #personal #loans #for #students

#quick easy loans # Quick and Easy Cash? What Are Payday Loans? Payday loans are small, short-term loans with extremely high interest rates. The lender gives you cash and you either write a personal check payable to the lender for the amount you want to borrow, plus a fee, or you authorize an electronic withdrawal from your checking account on the due date. The loans are for short periods of time: one to four weeks. Fees charged for payday loans are usually a percentage of the amount borrowed or so much for every $100 you borrow. If you extend or …

May 16 2017

Is there a difference between US and Canadian FICO. myFICO® Forums #best #deals #on #credit #cards

#canadian credit report # There are the so-called “classic” FICO scoring formulas for EQ, TU, and EX that we get here. Well, not EX any more, but you know what I mean. These are the formulas used by mortgage lenders. There are also “industry-enhanced” FICO scores, one set tweaked for the credit card industry and another for the auto loan industry. These have a different score range. Back when WaMu was alive, they had some CC’s that reported the credit-card-enhanced TU FICO score, with a 900 limit. This caused enormous hoo-hah around here when members were arguing about what their …

May 11 2017

Is There Any Benefit to Refinancing My Car? #alternative #student #loans

#refinancing car loan # Is There Any Benefit to Refinancing My Car? Many people wonder whether or not it is beneficial to refinance my car loan. The simple answer is yes. Refinancing can save you hundreds, maybe even thousands over the life of your auto loan. The point of refinancing is so that you can get a better interest rate on your loan. Lowering your interest rate by even one single percentage point can result in huge savings. Remember, car loans are normally more than three to six years in term length and all those months of interest add up. …

Apr 29 2017

So How Many Consumer Reporting Companies Are There? #free #credit #report #for #military

#credit report companies # So How Many Consumer Reporting Companies Are There? Ed note: The Consumer Financial Protection Bureau (CFPB) announced yesterday that they adopted a rule to begin supervising larger consumer reporting agencies, which include what are popularly called credit bureaus or credit reporting companies. This is the first time these companies will be supervised at the federal level. This blog post, originally published on the CFPB blog. explains what this will mean for consumers. You may know about the three biggest nationwide credit reporting companies: Experian, Equifax, and TransUnion. But did you know that there are other companies …

Apr 13 2017

Quick and Easy Cash? There s Nothing Easy About Payday Loans #absa #loans

#quick easy loans # Quick and Easy Cash? What Are Payday Loans? Payday loans are small, short-term loans with extremely high interest rates. The lender gives you cash and you either write a personal check payable to the lender for the amount you want to borrow, plus a fee, or you authorize an electronic withdrawal from your checking account on the due date. The loans are for short periods of time: one to four weeks. Fees charged for payday loans are usually a percentage of the amount borrowed or so much for every $100 you borrow. If you extend or …

Mar 28 2017

Why Is There Information on My Credit Report That Is Not Mine? #credit #score #monitoring

#my credit report # Find out why your credit report might contain debts and other information that are not yours. A recent study indicated that roughly 80% of credit reports are inaccurate. At least 25% contain errors so important that it may impact credit decisions. It’s hardly surprising, then, that your credit report might contain inaccurate personal information, including information about debts that do not belong to you, addresses and names that are not yours, and more. Here are some common mistakes, why they happen, and what you can do to fix them. Incorrect Personal Information outdated or incorrect employment …

Dec 4 2016

Why Is There Information on My Credit Report That Is Not Mine? #online #credit #cards

#my credit report # Find out why your credit report might contain debts and other information that are not yours. A recent study indicated that roughly 80% of credit reports are inaccurate. At least 25% contain errors so important that it may impact credit decisions. It’s hardly surprising, then, that your credit report might contain inaccurate personal information, including information about debts that do not belong to you, addresses and names that are not yours, and more. Here are some common mistakes, why they happen, and what you can do to fix them. Incorrect Personal Information outdated or incorrect employment …

Nov 11 2016

There Are 3 Major Credit Scores You Should Know #credit #card #reviews

#3 credit scores # There Are 3 Major Credit Scores You Should Know You may have heard someone mention that there are “3 credit scores.” What they mean by this is that there are three main credit reporting agencies that collect data and subsequently sell credit reports and scores. These bureaus include Equifax, Experian, and TransUnion. And if these credit scores are packaged and sold in one credit report, which they often are, it s considered a tri-merge credit report. A tri-merge credit report includes 3 credit scores from the aforementioned credit reporting agencies, giving you a great overview of …

Nov 10 2016

Is there a difference between US and Canadian FICO. myFICO® Forums #annual #free #credit #score #no #credit #card

#canadian credit report # There are the so-called “classic” FICO scoring formulas for EQ, TU, and EX that we get here. Well, not EX any more, but you know what I mean. These are the formulas used by mortgage lenders. There are also “industry-enhanced” FICO scores, one set tweaked for the credit card industry and another for the auto loan industry. These have a different score range. Back when WaMu was alive, they had some CC’s that reported the credit-card-enhanced TU FICO score, with a 900 limit. This caused enormous hoo-hah around here when members were arguing about what their …

Oct 24 2016

Are There Car Loans for People with Bad Credit? #car #payment

#bad credit car loan # Are There Car Loans for People with Bad Credit? Advertiser Disclosure September 19, 2013 by Gerri Detweiler In many parts of the country, a car or truck is a necessity. Unless you ve managed to save enough to pay cash for your next vehicle, you ll have to get an auto loan. But what if your credit is bad? Can you even get a loan? There are car loans for people with bad credit, but you need to be careful when shopping for one to make sure you aren t overcharged. If you re looking …

Oct 2 2016

Are there HARP Loan Disadvantages and Dangers? #debt #calculator

#harp loan program # Check HARP Refinance Rates Are there HARP Loan Disadvantages and Dangers? Dustin Meshberger Some have contacted us asking about some of the disadvantages and dangers of the HARP Loans program.  We were at first taken aback by this because some people viewed this program as a “too good to be true” government program.   Many were jaded and suspect that the government was willing to help the common homeowner with their mortgage and keep them in their homes.  After we spoke with them, those who qualified have never been happier.  Most homeowners are taking advantage of today’s …

Oct 2 2016

Are There Debt Consolidation Loans for Bad Credit Profiles? #grants

#bad credit debt consolidation loans # Are There Debt Consolidation Loans for Bad Credit Profiles? A debt consolidation loan can be a great tool for people with bad credit to help them get their finances back on track. By combining your existing bills into one new, monthly payment, you ll be able to pay off most of your debts and work on becoming debt-free for the long term. But if you re one of the many consumers with bad credit, you may be wondering whether you even qualify for a consolidation loan. As with any loan, your credit affects the …

Oct 2 2016

Is There Sales Tax on a Vehicle Trade? #remote #control #car

#used car trade in value # Other People Are Reading Resources To find out about your state and area’s tax rules and charges, call your state motor vehicle department or visit its website. Or ask the dealership you’re purchasing from. Dealers are authorized to collect all applicable state taxes, motor vehicle fees and inspection or emissions costs. You may find that your state recognizes your trade-in as a tax deduction, which you can use to your advantage when budgeting or determining a loan amount. You may not have to provide as much of a down payment as you originally thought. …