Can't Get a Loan? Your Bank May Have Declared You Dead

Can't Get a Loan? Your Bank May Have Declared You Dead

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Can't Get a Loan? Your Bank May Have Declared You Dead
dispute credit report Thousands of consumers are finding that they can't get a loan from banks each year due to a major error found on their credit reports. What is this massive mistake? According to recent reports, the Social Security Administration …
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Home Equity Loan vs. Line of Credit

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Home Equity Loan vs. Line of Credit
Every year, millions of people set goals and resolutions to become more fit. Many of these aspirations have to do with losing weight, eating better, or just becoming a healthier person in general. This year, Kohler Credit Union is paving the way for people like you to become fit… when it comes to your finances […]
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OCC Fines HSBC Bank $35 Million Over Credit Card Add-Ons

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OCC Fines HSBC Bank $35 Million Over Credit Card Add-Ons
April 13 — HSBC will pay a $35 million fine and offer restitution for allegedly charging customers for credit monitoring services they didn't receive under a settlement with a federal regulator. The Office of the Comptroller of the Currency found the …
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First-Time Home Buyers Guide: Getting A Mortgage When You Have No Credit

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First-Time Home Buyers Guide: Getting A Mortgage When You Have No Credit
For example, a first-time home buyer may not be able to show the same stable work history that a more experienced buyer can show; and a first-time home buyer not have as much money saved. But, perhaps, the biggest difference between a first-time home …
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US comptroller fines HSBC Bank USA $35 million over credit-monitoring product

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US comptroller fines HSBC Bank USA $35 million over credit-monitoring product
WASHINGTON The U.S. Office of the Comptroller of the Currency on Wednesday said it had fined HSBC Bank USA $35 million and ordered the bank to make restitution to harmed customers. The office said that between January 2004 and May 2012 …
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What Is a Credit-Builder Loan?

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What Is a Credit-Builder Loan?
Read More. What Is a Credit Score? How a Better FICO Score Leads to Better Retirement · The Best Personal Loans for Good Credit. We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe …
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I Have Ridiculously Bad Credit. Can I Get a Credit Card?

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I Have Ridiculously Bad Credit. Can I Get a Credit Card?
Most negative information stays on your credit report for seven years (bankruptcy may remain on your report for up to 10 years). And the sooner you start establishing and maintaining solid lines of credit, the sooner you can improve your credit score …
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Does the Graying of American Debt Mean Millennials Can't Get a Loan?

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Does the Graying of American Debt Mean Millennials Can't Get a Loan?
Millennials have stayed away from large segments of consumer lending, from the auto market to residential real estate. With the cost of college spiking beyond inflation and incomes, student loans seem all but unavoidable, pushing other consumer debt …
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How to Get a Loan After Bankruptcy

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How to Get a Loan After Bankruptcy
Yes, a bankruptcy is going to damage your credit score. But, “assuming you don't get into more trouble after the bankruptcy, your score is actually rebounding from the time you file,” Paperno said. And having all those debts discharged may make you …
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BMO Harris Bank Releases Tips on How to Improve Your Credit Score

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BMO Harris Bank Releases Tips on How to Improve Your Credit Score
(SOURCE BMO Harris Bank) — As part of BMO Harris Bank's ongoing commitment to financial literacy and Helping Make Money Make Sense, BMO Harris is providing weekly financial tips. This week's tip offers steps to improve your credit. Just like a top …
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I Have Huge Medical Bills and Gambled Away My Savings. Can I Still Declare …

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I Have Huge Medical Bills and Gambled Away My Savings. Can I Still Declare …
It's unlikely you could file for a Chapter 7 bankruptcy—that's when, with certain exemptions, you turn over what assets you have to pay what debts you can, the remaining debts are discharged, and you get a new financial start. You'll almost certainly …
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Toronto's York Spadina Subway Extension can't be completed without more money

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Toronto's York Spadina Subway Extension can't be completed without more money
A media tour participant takes photographs Friday at the entrance to the York University subway station. The station is one of six new terminals along the Toronto-York Spadina subway extension currently under construction.
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Moving bank accounts is as easy as A-B-C: How to boost your savings or reduce …

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Moving bank accounts is as easy as A-B-C: How to boost your savings or reduce …
Switching your current account could make life much easier if your existing bank isn't offering you a good deal or service. Choosing a new account and moving everything may seem a daunting prospect, but the current account switching service has made it …
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Is There a Student Loan Gender Gap?

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Is There a Student Loan Gender Gap?
The escalating cost of higher education makes it difficult to avoid borrowing for college and, once on the books, student loans are very rarely discharged in bankruptcy. … A good credit score can help you qualify for better rates on a new loan. You …
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Parents need to be aware of student loan pitfalls

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Parents need to be aware of student loan pitfalls
The CFPB analysis found that many lenders don't include a specific credit score floor necessary for releasing a co-signer. The lack of these specifics “raises questions about whether lenders … Another complicating factor is that many private student …
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Step by Step: SmartBiz Loan Application in Real Time

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Step by Step: SmartBiz Loan Application in Real Time
No minimum credit score, but the average FICO score among borrowers is 705. At least two years in business, though the average is 10 years. No minimum revenue requirement, but … This is a standard practice when getting a major loan (i.e., a business …
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Can I Really Get an Auto Loan During or After a Bankruptcy?

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Can I Really Get an Auto Loan During or After a Bankruptcy?
If you are in an open bankruptcy or have had one recently discharged, you might feel like you couldn't be approved for an auto loan even if you tried. Yes, it's going to bring down your credit score and it will be on your credit report for ten years.
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Be aware: Consumers have been targeted by credit repair scams

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Be aware: Consumers have been targeted by credit repair scams
If you are planning to buy a house, lease a car or even get a new job, your credit score matters. Scammers … You contact the company, and they promise to remove past credit mistakes, such as late payments or a bankruptcy, from your credit report …
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Your Bankruptcy Score May Be Behind That Refused Loan

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Your Bankruptcy Score May Be Behind That Refused Loan
While you can purchase your credit score through one of Canada's credit bureaus, there is no way to purchase your bankruptcy score. In fact, most people do not even know that such a score exists. However, it may be the reason why you have been turned …
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Kemp tells lawmakers 'bad guys' don't have Georgia voter data

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Kemp tells lawmakers 'bad guys' don't have Georgia voter data
Fort also questioned why Kemp's office was offering only one year of credit monitoring and credit restoration to Georgia voters. “The bad guys are going to wait a year and use that information,” Fort said. Kemp responded that he's confident “bad guys …
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5 tips for tackling your student loan costs

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5 tips for tackling your student loan costs
Remember that mistakes can follow you for years: Negative items on your credit report – including missed payments, accounts sent to collections and bankruptcy – remain there for a period of 7 to 10 years, or indefinitely in the case of delinquent …
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Not alone with loan debt: LSS offers student loan debt counseling

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Not alone with loan debt: LSS offers student loan debt counseling
If you don't manage student loan debt, it can have a negative effect on an individual's credit score, just like credit card debt, said Katie Eastman, financial counselor at the LSS office in Brainerd. The government can garnish wages and bank account …
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Have a strategy in place for 2016

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Have a strategy in place for 2016
This was a real wake-up call to protect yourself from identity theft and fraud. There are a number of ways to help protect yourself from these crooks, but there is no bulletproof solution. You'll want to check your credit card and bank statements more …
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Just Approved: Rapid rescoring helps homebuyers secure jumbo loan

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Just Approved: Rapid rescoring helps homebuyers secure jumbo loan
However, the two remained financially sound during it and made all the right moves in the two years following bankruptcy. The couple hoped a Jumbo lender could help them secure their next purchase, but their 718 credit score fell well below the …
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What can I do if I have no credit history?

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What can I do if I have no credit history?
What can I do if I have no credit history? Consumer expert Jessica Gorst-Williams explains how to establish a credit history if you don't already have one. Tips on how to improve your credit score. If you do not have a history shown on a credit file …
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Survey: 14% Of Consumers Can't Tell You Their Credit Score

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Survey: 14% Of Consumers Can't Tell You Their Credit Score
Whether you're getting auto insurance, leasing a car, or buying a new home, the better your credit, the better your "deal". High credit scores can save you good money. Low credit scores, though, aren't all so terrible — especially because even small …
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How home or car loan EMIs impact your credit score

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How home or car loan EMIs impact your credit score
It is aptly said that "if you think nobody cares that you are alive, then start missing one of your car or home loan EMI". It sounds phoney for our life but very true for a healthy financial life. Our month-on-month loan-related EMI payments (home …
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