Free Annual Credit Report - What's Your Score? » Credit Score

Freedom to Cover New Territory

Stacey Williams — Wed, 21 Jul 2010 09:46:44 +0000

Maybe you’re not that bad. Dust yourself up a little bit and you’re ready to go into new territory. Many of us have been on a fixed road, a now familiar road, or a well-worn road that is wearing out it’s welcome. We haven’t taken to many chances when it comes to exploring new territory that we, might actually enjoy.

“Cell Phone” FreeCreditReport.com commercial

Stacey Williams — Sat, 17 Jul 2010 09:57:10 +0000

The Freecreditreport.com band finds out that even a cell phone is hard to get when you have bad credit. LYRICS: Wanted to get myself a new cell phone So I could hear myself as a ringtone Who knew the store would go And check my credit score? Now all they let me have is this dinosaur! Hello hello hello, can anybody hear me? I know I know I know, I should have gone to freecreditreport.coooom! That’s where I shoulda gone, Coulda got my knowledge on. **Free credit score and report with enrollment in Triple Advantage.**

Are Your Credit Score Or Credit Problems Keeping You From Investing In Real Estate?

Stacey Williams — Thu, 15 Jul 2010 18:16:13 +0000

Do you have poor or no credit? Have you been turned down for a real estate loan? Are you interested in real estate investing but don’t have the credit score or the cash that lenders require? If you have one of these problems then real estate investing is still possible, but you may have to be a little creative. There are several ways that you can invest in real estate without having to use your credit score or cash.

One of these ways is to find a partner who will meet the lending requirements. This could be someone who has the credit score or the down payment that you require. It may be as simple as having a cosigner for a loan. Another way is to flip a house using a double closing. This method is usually not preferred by lenders, and some will not even consider a loan if there is a double closing. Some lenders also have seasoning requirements, and these requirements basically require the seller to own the property at least six months before the sale. This is not a law, however, and many lenders do not have these requirements. There is nothing illegal about finding a buyer for real estate and then finding real estate for sale that meets the needs of the buyer. This is usually done with the purchasing funds being put into escrow. The real estate investor profits to the amount of the price difference in the selling price and the purchasing price without ever using any of their own funds, and there are no checks on the investor’s credit.

Subprime financing is another method available to real estate investors whose credit scores are not high enough or who may not have the required down payment. There are national lending companies who normally will provide a loan for up to seventy percent of the value of the property without verifying a down payment or needing high credit scores. The interest rates on these loans may be a little higher because of the risks involved for the lender.

A lease option is another great way to invest in real estate no matter what your finances or credit score are. This involves finding real estate for sale and then having the owner sign a lease stating all the relevant facts. The lease should specify that you have the right to purchase the specific property for the intended length of time for the specified amount. You then go out and find a buyer for the property within the lease time frame. None of the money is from your pocket and your credit is never even checked. You make the price difference between the buying price and the selling price.

No matter which method you use to invest in real estate with no credit checks or money down, it is possible to invest in real estate with these issues.. Don’t let these two things stop you from your investment potential. You simply need to be a little more creative to find a solution to your investing obstacles.

Personal Finances & Money Management : How to Check a Credit Score Free Online

Stacey Williams — Tue, 13 Jul 2010 17:55:08 +0000

Check a credit score free online by visiting myfico.com or myfreefico.com, filling out the appropriate information and browsing the credit information. Identify fraudulent activity on a credit report withhelp from a registered financial consultant in this free video on credit reports. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC

How can I raise my credit score after bankruptcy? I had a bankruptcy discharged, can I rem the accts included?

Stacey Williams — Sat, 03 Jul 2010 10:25:43 +0000

I filed for bankruptcy (chapter 7) a year ago and successfully had it discharged. I’m in teh process of rebuilding my credit and I pulled my credit report and all the creditors included in the bankruptcy have my accounts listed as “bankruptcy” which is destroying my credit score. Is there any way I can have those accounts removed since they are all closed and were included with the bankruptcy? Does anyone have any tips on rebuilding my credit? My score is currently 530 and I would like to raise it to the average but it seems like it hasn’t been going anywhere. What can I do?

Get Free Credit Score – Lower it Today – Learn the Secrets Tricks

Stacey Williams — Sat, 26 Jun 2010 22:03:05 +0000

It is always good to know what your credit score is and how to protect it. Most people have some knowledge about there credit but it is always good to know how your credit score directly affects your ability to get a loan.
More Information on getting : Debt Relief Today
Your credit score is basically a numerical number that the credit agencies assign to a person based on there past credit performance. If you pay your debts on time and do not carry high balances then you will have a high credit score. But if your credit cards are maxed out and you are late every month then you will have a lower score.
Learn How to Get a : Government Grant Now
Banks and other lenders will use a persons credit score to determine whether or not they can qualify for a loan. This is the only way the know if you are a person who is low or high risk. When you get your first credit card you will likely not have much credit so you may only qualify for a low credit amount or if someone cosigns for you then you may be eligible to have a higher credit card or loan balance.
Businesses and government agencies will also use your credit score to determine what your past credit history is to see if you are reliable. You may be applying to get a mobile phone or maybe you are applying for a new job and they check to see what your credit score is to help determine if you are a good candidate.
There are 3 major credit bureaus and they are, Equifax, Transunion and Experian. These agencies will keep your credit history on file and it is important that you know what your score is at all times and you should make sure it is accurate. These agencies get regular reports from the places that you have credit with. They will send the information if you have made your payments on time or if you have defaulted on a loan.
Each year you can get your credit report for free from these agencies. All you need to do is contact them and ask for a copy of your credit report. When you receive it then you can check to make sure that all items on your report are accurate. If there are items that seem to be on your report in error you should dispute it with that agencies and then it is there responsibility to verify the item.

How to Raise Your Credit Score 100 pts in 45 days

Stacey Williams — Fri, 25 Jun 2010 04:53:12 +0000

John Franco with Aggressive Credit Restoration Services will give you 9 strategies in improving your fico score. To receive a Free Credit Repair Booklet call 661.310.1514.

How to Read Your Credit Score Rating Scale- About Your Score

Stacey Williams — Mon, 21 Jun 2010 15:57:49 +0000

www.bestonlinereport.com Keeping track of your credit is important! Get smart about your credit score rating scale! How many scores does your credit report show? You can easily see how changes you make will improve your score! Put a lock on your credit score scale- Try bestonlinereport.com for free today!

Credit Score 101, Do’s and Dont’s

Stacey Williams — Mon, 14 Jun 2010 05:51:06 +0000

A credit score is an indicator of how likely you are to default on a loan or credit card. Your credit score is determined by a combination of the following:

How Will Credit Card Debt Settlement Affect My Credit Score?

Stacey Williams — Thu, 10 Jun 2010 05:30:59 +0000

You may have viewed commercial advertisements promising a solution to hopeless debt. Ads typically make statements such as “You can reduce your debt by as much as 60%” or “Break free of debt in six months or less.”
While these statements reflect the truth, they fail to mention how debt settlement might affect your credit rating. The process of debt settlement is typically explained in a clear way, promising to reduce the overall debt through skillful creditor negotiations. Some of these agreements could be temporarily reflected in a negative way through the major credit bureaus.
Natalia Osorio Editor of the “Credit Card Debt Counseling” website — http://www.CreditCardDebtCounseling.biz — pointed out;
“…When a consumer calls a debt reduction company, they will be asked for the names of each creditor and the current outstanding balance. Then, a reduced amount is calculated and estimated, which includes a lower all-inclusive monthly payment. All payments are made to the settlement company rather than the creditor. During the first four to six months of the agreement, a majority of the payments go into the company’s pocket in the form of fees or settlement charges. All subsequent payments are held in escrow until it grows to a larger amount, at which point a settlement counselor will call the creditors and negotiate for a lower settlement…”
It would seem that taking the settlement route is the best option. After all, who wouldn’t want to have their balances reduced to less than half of the original amount? But, because you have stopped paying your creditors all together, a few temporary negative remarks will be placed on your credit bureau, but only until the negotiation process is complete. These few remarks are easily removed simply by asking the creditor to do so.
It is important for the consumer to monitor their credit reports during and after the negotiation process. Otherwise, negative remarks could remain on your credit report. On the other hand, once the debt is paid your accounts will reflect positively, a much better option than not paying them at all. Temporary inconveniences are a small price to pay for getting completely out of debt.
“…In some rare cases consumers are required to pay taxes on any negotiated debt. If the debt is an exceptionally large sum, and if other legal factors are in place, then the consumer might be required to pay a small amount of taxes on the forgiven debt. There are numerous and atypical circumstances which must be in place for this to occur, factors which do not usually apply to the average consumer…” N. Osorio added.
Further information about trusted and reputable companies for credit card debt settlement by visiting; http://www.CreditCardDebtCounseling.biz