Credit
Have No Credit History After Living Abroad
If you now have no credit history after living abroad for some time, you need to work to build your credit history back in the US. Q: I am an American citizen who has lived the last 25 years in …
Credit Fraud or Identity Theft Suspected
Here are some steps you should take if you suspect credit fraud or identity theft with an elderly relative. Q: I have the power of attorney for my grandmother who lives in Texas. I, however, live in Atlanta. I’ve input …
New Year’s Financial Resolutions for 2012
We all should have New Year’s Financial resolutions to help guide us in 2012 and improve our financial health during these financial hard times. Are you tired of thinking about your finances? The Great Recession has had a lasting impact …
Alternative Credit Report Available Now
For people without a credit history but a desire to build their credit, a new law allows you to create an alternative credit report and use that report in a credit application. Q: In our local paper you stated that …
Option For People Looking to Build Their Credit History with eCredable
I recently joined the advisory board for a new company called eCredable. This company reports credit accounts under the same federal and state guidelines as the national credit bureaus, but the consumer is the one that is in charge of the report. …
How Will Foreclosure Affect My Credit Score
Q: I was recently divorced and bought a home. However, I have a rental property in an area which is quite depressed and where crime has increased. Homes in that area are now selling for about $15,000 and there are …
What Can A Credit Counseling Agency Do For You
Q: I am hoping that you can help!!! We have contacted so many people and everyone tells us the same thing. My wife and I make too much money for them to help us. There are so many issues and …
Car Buying and Leasing May Affect Credit Scores
Q: I recently traded in an old lease vehicle for a new one. The payment is slightly lower on the new car than it was on the old car. When they ran my credit score, it was 747. How much …
How to Get a Mortgage Now
Here’s what mortgage lenders look for when considering a borrower for a mortgage loan. Mortgage lenders look at tax returns, credit scores, credit history and more when granting mortgage loans. When applying for a mortgage, you need cash on hand, a good credit history, tax returns, a steady salary for a mortgage lender to look at. To get a mortgage now, homeowners must disclose personal financial information. Here’s how to get a mortgage now.
Credit Debt, Unemployment Affect Holiday Consumer Spending
Credit debt and unemployment affect holiday consumer spending. Consumer spending this holiday shopping season will be affected by credit debt and unemployment. Holiday shoppers consumer spending habits affected by credit card debt and unemployment this holiday shopping season. Credit card companies say the decrease in holiday consumer spending is creating a “credit winter.”
