Real Estate Matters: Hating your loan modification? It could be worse

Real Estate Matters: Hating your loan modification? It could be worse

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Real Estate Matters: Hating your loan modification? It could be worse
Unfortunately, I am stuck with one of the worst monster mega banks for my loan modification. When I applied for the modification, they classifying me as “delinquent” while they were processing my application. Finally, they lowered my interest to 5 …
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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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The Real Tax Nightmare May Be on the Way

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The Real Tax Nightmare May Be on the Way
There are other things you should do continually to protect yourself from identity theft. I call them the three Ms. Minimize Your Exposure. Be covetous of your personally identifiable information online, in person and on the phone. Be circumspect about …
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Your Webcam Could Be Spying on You and You Can Stop It

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Your Webcam Could Be Spying on You and You Can Stop It
If the past year has taught consumers anything, it's that identity thieves, fraudsters and scammers are on the prowl, going after any information they can use to make a buck. But the intrusions don't stop there. If the thought of being the unwitting …
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Could A New Credit Scoring System Affect Your Ability To Borrow?

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Could A New Credit Scoring System Affect Your Ability To Borrow?
Recently I wrote about how your bankruptcy score, a rating that predicts the likelihood that you'll become insolvent, could affect your ability to borrow. This rating, just like your credit score, is created by Equifax and TransUnion and is based on …
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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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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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Jay Peters Zodiac Publishing Announces Real Cash Secrets Club Newsletter

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Jay Peters Zodiac Publishing Announces Real Cash Secrets Club Newsletter
Topics include "The truth about Government seized and surplus cars and homes", "The secret to getting paid for mailing letters" as well as "How to protect yourself from identity theft for free" and much more. Another gift members receive is the "Real …
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Jay Peters' Zodiac Publishing Announces Real Cash Secrets Club and Newsletter

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Jay Peters' Zodiac Publishing Announces Real Cash Secrets Club and Newsletter
Topics include, "The truth about Government seized and surplus cars and homes," "The secret to getting paid for mailing letters" as well as "How to protect yourself from identity theft for free" and much more. Another gift members receive is the "Real …
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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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How your kid could become a victim of identity theft

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How your kid could become a victim of identity theft
Other warnings may come in the form of mail sent to the children, Velasquez says, such as solicitations for loyalty programs. • React when there is a breach. If a data breach affecting a child occurs, parents should initiate free credit monitoring for …
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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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How Mega-Breaches Could Literally Kill You

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How Mega-Breaches Could Literally Kill You
It was not very long ago that information shared with your doctor was sacrosanct, at the same remove from exposure as utterances made under the protection of an attorney-client relationship or pillow talk in a spousal bed. That may no longer be the …
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Your Credit Score: After College, It's the One Grade That Matters Most

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Your Credit Score: After College, It's the One Grade That Matters Most
How to Improve Your Credit Score With a Few Simple Steps. 5 Things You Don't Know About Your Credit Score. How to Strengthen Your Credit Score. Personal Finance: Understanding 3 Credit Scores. How to Understand Your Credit Report and Credit Score.
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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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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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Money Matters: Organizing your tax information

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Money Matters: Organizing your tax information
Most Americans loathe tax season. Collecting documents, filling out forms and sending money to Uncle Sam. It's not an enjoyable process. But, it's got to be done. If you want to make next year's tax season easier, start getting organized now. Shari …
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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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The Surprising Reason Why Your Facebook Profile Could Hurt Your Credit Score

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The Surprising Reason Why Your Facebook Profile Could Hurt Your Credit Score
It can get you fired, put the kibosh on being hired, and, now, may even present a road block for securing a car loan or line of credit. Credit-rating companies have started looking at consumers' Facebook profiles for clues about their creditworthiness.
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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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Could free credit checks be a scam?

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Could free credit checks be a scam?
Jessica Gorst-Williams ». Related Partners. Help protect yourself from Identity Fraud with CreditExpert. In Jessica Investigates. Tips on how to improve your credit score · Free Experian credit report – no contract needed · Find an independent …
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Tyrion Lannister Is The Real King Of "Game Of Thrones"

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Tyrion Lannister Is The Real King Of "Game Of Thrones"
Obsessive Game of Thrones fans know that to watch the show is to be blown away by its vastness — especially in regard to its cast. After constantly wondering how much time the actors are actually on screen as the show whips around its huge world, …
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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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Beware the poor credit score that could be an own goal if you want a loan

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Beware the poor credit score that could be an own goal if you want a loan
Notch up a credit score of 961 or better and you are in the “excellent” category, according to Experian, the UK's biggest credit reference agency. Score 881-960 … Secondly, they might have a history of bad debts – missed payments etc – or even a …
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