If you are new to the credit game, the initial limits on your credit cards can be low. A credit limit means the maximum amount of money you can charge to your credit card. This includes fees, balance transfers from other cards, and cash advances, as well as the purchases you […]

Popularity: 28% [?]

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Many people are finding out they are “upside down” on their home these days if they bought during the real estate crazy years of 2005-2006.  In addition, many those are not able to afford the payments on their mortgages as interest rates rise. In the metro areas that saw the biggest […]

Popularity: 23% [?]

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 Ever lost sleep over your bills or money problems?  I know I have.   According to a study done by the Harvard Medical School, loss of sleep can cause the following problems:

Learning and memory: Sleep helps the brain commit new information to memory through a process called memory consolidation.
Metabolism and weight: Chronic sleep deprivation may cause […]

Popularity: 19% [?]

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In March, Dennis J. Herrera, San Francisco’s city attorney, sued National Arbitration Firm, (NAF), a for-profit company based in Minneapolis which specializes in resolving claims by banks, credit card companies, and major retailers that contend consumers owe them money. In the suit, Herrera accused the NAF, which handles many firms in California state court, […]

Popularity: 34% [?]

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Among warnings of bank closures and construction and building loans in default, there comes the news of more homes in foreclosure. If I had to point fingers, I would say it’s the investors who drove prices up, mortgage brokers who only looked to their commissions, and the man or woman person who couldn’t […]

Popularity: 20% [?]

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Credit Repair is not difficult, but you can shoot yourself in the foot if you don’t pay attention to a few little things. Here are common mistakes people make which can be easily avoided:

Failing to disputing with the credit bureaus FIRST. In credit repair, always dispute your negatives with the credit bureaus before doing […]

Popularity: 100% [?]

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I know several people with big gaz guzzling trucks and SUVs who are agonizing over whether they should dump their vechicle for a more economical car. But maybe they should do the math first. Not only are car values dropping like a stone, putting many people under water on their car loans, […]

Popularity: 22% [?]

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Many of us will soon be receiving our economic stimulus checks from the IRS, and I for one am looking forward to this needed little “bonus”. To get some extra cash and stretch your tax rebate stimulus a little further, you can “cash in” your stimulus checks at participating merchants for gift cards and […]

Popularity: 28% [?]

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It’s kinda like paying for a movie and being forced to sit through commercials before seeing it. I recently reviewed a client’s purchased tri-merged credit report and noticed something I’d never seen before: there were one to two ads per page on the report. The credit report service will remain nameless. […]

Popularity: 22% [?]

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Due to a settlement resulting from a class-action lawsuit, TU choose to offer pretty much anyone access to their free monitoring service, rather than having to pony up cash. It’s kinda like Microsoft donating “billions of dollars” in free software which costs them little in actual cash (what is the going rate for […]

Popularity: 32% [?]

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