What Is A Good Credit Score For 2012?

Debt collection thugs become helpless when you file a proper Answer with the court. Lawsuits filed by collection agency punks are done on the presumption the sucker (i.e. you) will not respond, or will do so improperly. They want a default judgment, which they get when you do not defend yourself. And, most people do not! Most people feel, "what can you do?" and proceed to do nothing. That is the ...

What Is A Good Range For My Credit Score Number? Why is a credit score so important? Why is everyone so fixated on it like it's a success indicator or a death clock? It is a completely imaginary number that really has no bearing on your credit worthiness or your worth as a human being. It is simply a means by which banks, financial institutions, and other companies use to determine ...

Just before the Congressional CARD act went into effect, I grabbed ahold of my credit card company and got them to make some changes before year end (back in December 2009). They were quietly increasing interest rates, at the time, on new purchases. They were also sticking it to me on PURCHASES I HAD ALREADY MADE! They did it to avoid getting snagged when the CARD act goes into effect. Well, I ...

What You Should Have Done. Before starting, make sure you have done the following... You requested and received your credit report. You have identified the items that you want to dispute. These are items that negatively affect your ability to get credit. You have mailed all 3 credit reporting agencies (Equifax, Experian, TransUnion) a letter identifying each inaccuracy. The credit reporting agencies (CRAs) have responded by mail. What Happens Next? After doing the above, what happens if ...

Earlier this year, April 2010, Bank of America Corp. was doing a great job putting a happy face on a terrible mess and making the skeptics who were calling for its nationalization look out-of-touch. In theory, the bailout funds had been repaid. Investors in the stock (those who got in at the bottom mind you) were making a killing. Government leaders fell all over themselves congratulating each other for rescuing the company and by extension, the economy. It seems the skeptics were right after all and ...

If you’re seeking credit repair help, don’t let anyone befool you by saying that you need to seek the help of a professional for improving your bad credit. The fact is that there is nothing a credit repair company can do to fix your credit score which you cannot do on you own. By taking some simple and dedicated steps on your own, you can save ...

My credit repair experiment began November of 2009. First, get all three (3) credit reports. You must have them if you want to fix your credit. With them in hand, it was time to start fixing my credit. A more formal way to do this is using something like 37 Days to Clean Credit. Since it was not available to me, at the time, let me tell you my story. Having A Party With Credit. Like so ...

Believe it or not, there are a lot of ways to file a complaint against a bank. If you are using a credit card, the process is a little more indirect. But, every credit card is backed by a bank somewhere. So, you may just file a complaint against the bank rather than trying to file one against the credit card company. Why Would Someone Complain About A Bank? There are many ...

The way the credit markets are behaving, a big crash is on the horizon. There are several reasons for this and they are all approaching at the same time. You have a Federal government that is spending far beyond its means to cover its future expenses. The military is spending greatly for wars and bases in many other countries. There are too many loans that are either in default or underwater. Finally, ...

The days of the credit card (and the debit card) are numbered. This is not some alarmist statement (or maybe it is), but the financial institutions are really trying to reduce the amount of credit available to borrowers. Why? It all goes back to the end of subprime. The Credit Bubble. Just after the dotcom bubble, the banks and credit card companies were struggling. The free-wheeling days of internet billionaires and instant millionaires was ...