October 2009
Bad Credit Loans: Where Bad Credit Score is an Accepted Reality
Tip! Do not close old or paid off accounts. These show the credit history length and contribute to higher credit scores.
Whenever you apply for a loan your credit score undergoes a thorough scrutiny. The lender assesses your credibility as a borrower b...
September 2009
Even if you have a Low Credit Score, You Can Still be Considered for Bad Credit Home Loans
Tip! If you have paid off all your debt, and your credit score seems to be at a stand still, you might want to make small purchases each month with your credit card and pay them off immediately. Often times the credit bureaus like to see at least some...
Bankruptcy Questions Answered
Tip! You are not a deadbeat if you file for bankruptcy. Most people file for relief after a life-changing experience, such as a death of a spouse, divorce or job loss or after a serious illness that left them with thousands, if not tens of thousands, ...
August 2009
Business Bankruptcy - A Basic Outline Before You Proceed
Tip! The next step in filing for bankruptcy is to determine exactly what assets you have available to you. Your assets include your recurring income from your job, your home and major items of personal property that you might own (including such items...
New Jersey Bankruptcy Lawyers
Tip! It’s not difficult to file for bankruptcy. It really isn’t.
Under the U.S law, bankruptcy is a legal proceeding that allows a debtor to temporarily or permanently avoid paying his debts. U.S bankruptcy code is meant to provide protect...
July 2009
Bankruptcy Lawyers In California
Tip! Fourth step is optional; you can apply for a mortgage after bankruptcy even with bankruptcy discharged yesterday and just about any time you want.
Bankruptcy lawyers in California can be found by searching the Internet. The client should ensure th...
June 2009
Chapter 7 Bankruptcy Lawyers
Tip! Fourth step is optional; you can apply for a mortgage after bankruptcy even with bankruptcy discharged yesterday and just about any time you want.
Chapter 7 bankruptcy lawyers are a class of lawyers experienced with and specialized in handling Cha...
Chapter 11 Bankruptcy Lawyers
Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court.
Chapter 11 bankruptcy lawyers...
May 2009
Secured Bankruptcy Loans
Tip! Obtain a copy of your bankruptcy and discharge papers from your attorney or the courthouse. This may include a copy fee.
Secured bankruptcy loans are one of the financial options available to those with damaged credit. Borrowing becomes easier, if...
Average Credit Score - Decoding The Credit Myths
Tip! Give yourself time. Time is considered one of the most significant aspects that can help improve your credit score.
The model which is used to find the average credit score is to the advantage of the consumer rather than the commonly used middle s...
Improving Credit Score Through A Bad Credit Auto Loan
Tip! Give yourself time. Time is considered one of the most significant aspects that can help improve your credit score.
In past your loan applications have been rejected, because of your bad credit score. A bad credit score can happen because of vario...
April 2009
Creditors' Committees under Bankruptcy Reform: More Representative?
Tip! You won’t lose everything that you have. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your clothes, household goods, your home and your car (up to a certain value) ...
March 2009
Filing Bankruptcy - 7 Simple Steps For Getting Fast Debt Relief
Tip! Make three copies of the section of papers that list all of the creditors and collection agencies that were included in the bankruptcy - usually this is called the Schedule F.
1fa3
Bankruptcy is the last option any person wants to take. Filing b...
Does a Credit Report Include all Three Credit Scores?
Tip! Many credit card companies will decide whether or not to issue you a credit card with a high limit based on your credit report. If in doubt they may not issue a card at all or issue a card with a very low limit or risk.
With all the advertising to...
Chapter 7 and Chapter 13 Bankruptcy - Choose The Wrong Option and You Could Lose Everything
Tip! You must list all of your debts. Each creditor that you owe money to must be disclosed in your bankruptcy petition.
There are two legal processes in the United States for dealing with your debts. Chapter 7 bankruptcy, also known as “straig...
Credit Card Debt Consolidation Can Improve Your FICO Score
Tip! My credit score will drop if I check my credit - Fortunately, this is a myth. If you check your own credit report it doesn’t harm your credit at all.
Debt consolidation can be an excellent way to enhance your FICO and credit score. In fact...
February 2009
What Does Your Credit Report Say About You
Tip! Send your letter by certified mail, return receipt requested so you can document what the credit reporting agency received. Make sure your letter is dated, and don’t forget to keep copies of everything you send.
Years ago as a youngster I re...
Use Old Credit Cards to Raise Your Credit Score
Tip! If you are sincerely interested in improving your FICO credit score, bankruptcy MUST be avoided! Bankruptcy is more negative than late payments or collection accounts.
The popularity of switching credit card companies has grown in recent years and...
January 2009
Bankruptcy Credit Repair - How To Avoid Scams
Tip! You won’t lose everything that you have. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your clothes, household goods, your home and your car (up to a certain value) ...
December 2008
Am I Entitled to a Yearly Free Credit Report?
Tip! The Credit reporting agency will forward the request to the information provider at which time they will review and investigate the request. If the information cannot be verified, then they must remove it.
If you are like many people all over the...
Obtain Your Absolutely Free Credit Report, No Trial!
Tip! The credit bureau must prove each credit record on your credit report. If this is not possible, it must be stricken from the credit report.
You have an abundance of alternatives when looking for an absolutely free credit report, no trial. Within t...
3 Ways To Improve Your Credit Report and Credit Score
Tip! If the information provider finds that there was no error, you can request that the credit reporting agency send a copy of the disputes with any report that is requested by creditors. You can also provide an explanation of a negative report in 10...
November 2008
Credit After Bankruptcy - What To Expect
Tip! Look into the total cost of fees for your bankruptcy case. It’s best to know the amount of money it is going to cost you.
If you have recently filed bankruptcy, it won’t be long before you are starting to ask yourself, “Ok, now, ...
How Can I Get A Copy Of My Credit Report?
Tip! If you don’t see a creditor or collection agency on the credit report you know for a fact you owe money to, then you need to find any billing statements or collection letters you may have received. These statements and letters will have nece...
