Credit History
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 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 Freeze and Security Freeze – How They Work To Protect Your Credit History
Credit Freeze and Security Freeze – How They Work To Protect Your Credit History. A credit freeze, also known as a security freeze, is one of the most effective ways to prevent identity theft. Using a credit freeze or security freeze on your credit history can help keep your from having your identity stolen.
Can’t Buy Retirement Property After Co-Signing Daughter’s Mortgage
Title problems occur when a reader co-signs a mortgage with his daughter. When you co-sign a mortgage, future creditors will look at your signature as a guarantee that you will pay the entire loan back, should the other party to the contract not pay his or her payments. Now, the reader can’t buy a retirement property and doesn’t know what to do. It is important to foresee real estate problems like these and plan ahead for your future financial decision. Co-signing a loan is a very big decision, and you should think about your future plans like buying a retirement property.
Strategic Default On Your Mortgage And Other Options When You Need To Move From The Home
If you are underwater on your mortgage and have to move from the home, what are your options? You can try to sell the home. You can rent the home. You can let the home go into foreclosure in a strategic default. You can continue to make the payments. If you can’t sell or rent the home, should you just stop paying the mortgage? And if you have cosigners on the loan, how will your actions in not paying the lender affect them?
Credit Scores And What They Mean To You
We all want a perfect credit score, but very few of us have one. However, a high credit score means that you may have an easier time applying for a loan, getting a credit card or getting better terms on loans and credit cards. But some companies now use credit scores and your credit history to determine whether you should be hired for a job. A high credit score will mean that you will have an easier time in your business and personal finances.
