credit report
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 …
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 …
Annual Credit Report Review and Score
If view your free annual credit report and review it, it’s good but it may be differ somewhat with the report pulled by a mortgage broker or lender. Q: I am an avid reader of your column and have been …
Seller Financing Options On Sale To Daughter
If you’re planning to sell your home to a family member, you need to evaluate your options before using seller or owner financing options. Q: A few months ago, I purchased a Fannie Mae HomePath home at a great value …
Loan Modification Hell Starts With Trial Loan Modification
Loan Modification Hell starts with the signing of the trial loan modification papers with a lender. Q: I just began a loan modification trial period in September for a period of 4 months with a major bank. I am a …
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. …
Fraud Alert and Security Freezes on the Clark Howard Show
On today’s Clark Howard Show, Earl called in and said his wife’s purse had been stolen. He wanted to put a credit freeze on her credit history. I thought he might also want to file for a 90-day fraud alert. …
How To Buy A House After Foreclosure
Q: My husband and I lost our home to foreclosure in October, 2007 after my husband lost his job. We really want to become homeowner’s again and were wondering about the benefits of signing up with one of the non-profit …
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 …
