Mugged While Sleeping...leads to Credit Repair

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You Have No Credit...Have A Job & Want To Buy A Home
By: Dale Rogers | 03/08/2006 | Mortgage
Many working people in the U.S. have no established credit, but want to own their own home. This article will deal with a strategy to use Alternative Credit and other sources to build a credit file for hand underwriting from a willing lender. Somehow, rent, car insurance, groceries, phone, cell, water, sewer, medical, car repairs and gasoline gets paid every month. They are making money but it's now showing up anywhere. This will show a way that this market segment can get a home loan, even an undocumented worker.

Prevent Identity Fraud When Using Credit Cards
By: Jeremy Zongker | 23/05/2006 | Advice
Don't wait until your identity has been "stolen" to worry about it. Identity fraud is a severe crime with serious repercussions that can take months or even years for victims to repair, not to mention hundreds to thousands of dollars.

Early Warning Signs of Debt Problem
By: Alexander | 03/07/2008 | Credit
How serious are your debt problems? The spectrum of possibilities ranges from negligible to severe. The fact that you bought this book indicates that debt is something you are concerned about. As you read this chapter and review the most common signs of debt problems, consider that the more signs that apply to you, the more serious your situation is.

How Will the New Federal Reserve Bank Interest Rate Cut Affect Most Consumers in About a Year or Two.!??
By: Mike Samadi | 06/04/2008 | Loans
Since the Government is claiming- it is protecting taxpayers. And the Central Bank (Fed. Reserve-in short, “FED”) (Mr. B.) is claiming that the team is doing whatever necessary to keep the economy at a float; they are missing one major point; the “Consumers’ future.”

Not All Debt is Bad
By: Alexander | 31/05/2008 | Credit
So you are in debt-who isn't these days? We live in a society that encourages people to go into debt. Credit card commercials tell us that a trip to Jamaica is just what we need, regardless of whether we can afford it. (That's what your gold card is for, right?) Loan brokers want us to borrow up to 125 percent against our home equity. Even the federal government just had its first balanced budget in a generation and now faces the enormous task of paying off over trillions of dollars in debt.

Good and Bad Deals in Credit Cards
By: Alexander | 03/07/2008 | Credit
More of Wayne's Story Wayne, who you met in Chapter 6, after reviewing all of the possible credit card types and options, has decided that he wants to get both a Visa and a Master Card

What the Rich Know That You Don’t
By: Alexander | 31/05/2008 | Credit
Becoming intelligent with money requires more than just getting out of debt. It also means making your money work for you instead of you working for it. It means earning interest instead of paying interest. It means buying assets instead of liabilities.

Seven Tips to Avoid Identity Theft
By: Dewey Kearney | 11/10/2007 | Business
According to the FBI identity theft is the fastest growing crime in the United States and is probably going to get worse as technology grows. Identity thieves rob more than 500,000 Americans every year. Your credit can be damaged, and fixing it can cost you hundreds of dollars and take hundreds of hours of your time. You might become a victim if you don’t take steps to protect yourself!

Got a Question? Ask.

Interest only Loan
By: logantazman | 23-07-2008
We have a interest only loan and the payments are due to increase in November of this year.  We are trying to refinance our loan from a conventional loan to an FHA, our mortgage lender is Country Wide whom advertises "no closing cost, no downpayment" but when we call CW they give us the run around.  What other mortgage company can provide us with so help?

Title Insurance
By: Candy | 23-07-2008
What benefit does Title Insurance give to the homeowner?  If mortgage is being reinstated, should the homeowner have to pay to have the title work done even though they have been paying for the title insurance every month?  Attorney is claiming that homeowner will have to pay to have title recorded.

Recession and Refinance
By: noahandlea | 23-07-2008
In this period of recession with home mortage rates drop, remain the same or go up in general? I am wondering if this is a good time to refinance a variable mortage with a high rate?

Obligations to stay
By: Liz | 23-07-2008
We had our housed refinanced in March. Now we need to move out of state. We had signed a paper about living in the house a year. This wasn't planned and we really have a good opportunity. Can this become a problem if we move while the house is on the market? I have money enough to cover the mortgage for over about two years. We hope to sell it soon. Would this be something we just shouldn't mention?

40 year A R M
By: James Logan | 23-07-2008
coWhat does the mortgage bill currently in legislation do for someone with a bad loan to help keep them from foreclosure?

Is no credit good or bad?
By: iamarealperson2 | 23-07-2008
If I have no credit at all, then what do I have to do to establish my credit?

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Get Student Credit Cards for Extra College Expenses
By: Devora Witts | 23/07/2008
There have been lately offers for students that feature specially designed credit card packaged for college students. These credit cards offer a combination of financing, flexibility, security and control so student can feel comfortable about managing their finances and at the same time obtaining the benefits that credit cards provide.

100% Equity Financing for Home Improvements
By: Devora Witts | 23/07/2008
It is possible to obtain financing up to 100% of your property’s market value with your mortgage balance and a home equity loan for home improvements combined. With this money you can start that long postponed home improvement project and turn your home into your dreamed home within a short period of time.

Credit Repair: How to Handle a Collector
By: Jim Kemish | 23/07/2008
If you are contacted by a collector you should know your rights. A nationally recognized consumer advocate and credit repair expert offers some useful advice about dealing with collectors, and coming out ahead.

Pick a Credit Card, Any Credit Card
By: Andy Adams | 23/07/2008
Getting a credit card in the midst of a credit crunch may seem possible but there are still many different cards with differnet offers so which one should you pick?

6 Steps to Minimize Your Credit Card Debts and Maximize Its Rewards
By: Ashley Jane Summers | 23/07/2008
All of us can get excited with the promise to earn more or get rewarded from our credit card spending. Credit cards with reward programs are definitely great but every reward credit card holder must also be aware of how to avoid its dangers and how to use it to their advantage. True, if you don’t use your reward credit card wisely, you can get easily stuck in credit card debts. Nevertheless, there are ways to minimize the risks and maximize your rewards. Let’s talk about these steps one by one.

Credit Cards Combat Rising Petrol Prices
By: Christian Ward | 23/07/2008
The cost of fuel has spiralled this year, but you can help offset this by taking out the right type of cashback credit card.

How To Get A 0 APR Credit Card
By: Gordon Goodfellow | 23/07/2008
If you have ever wondered how to get a 0 APR credit card? There are lots of ways, but some are better than others. This article examines what you should be looking out for as well as some things to avoid.

Check, Monitor, & Maintain Your Credit Score
By: Thomas Boston | 22/07/2008
Checking and maintaining your credit score is one of the most important financial actions you can take as a consumer. This article goes over the importance of these actions.

More from Dale Rogers

Little Known Government Program Can Help First Time Homebuyers Get Housing With Little Money
By: Dale Rogers | 29/05/2007 | Real Estate
Where do you start? A Washington D. C. issued memo came out of the blue indicating the formally allowed homebuyer assistance plans would not stand as practiced. The foreclosure rates had soured in this segment of the market and it was thought by the “know it all” bureaucrats that they would just eliminate it. Glass half full or half empty? If you have 5% or higher FHA loans going into foreclosure is it prudent to throw the baby out with the bath water or would it be better to coach up.

Mortgage Lenders are Dropping Like Flies With Their Little Legs Turned Up and Kicking
By: Dale Rogers | 23/05/2007 | Investing
The whole key for Bob, or any other contrarian, is to make lots of offers based on a valued analysis. If you don’t get the deal let someone else take the hit. There is desperation in the market place and it IS a BUYER’S MARKET. The professionals tune out the bad financial news and move out of the living room and put some serious cash to work. A year ago sellers would laugh bottom feeder buyers out of town. No one is laughing now.

When Banks are Left to Their Own Devices…consumers Get the Hosed
By: Dale Rogers | 18/05/2007 | Credit
Desperate for money, Jack contacts a money guy referred by his cousin Jerry for a temporary loan. The “VIG” is 25% per week. This is excessive and is an example of loan sharking. This is a criminal act. The terms are clear and it’s all spelled out with verbal communication. Pay as agreed or else.

There Was This Guy Banging on the Door… Inquiring About Lis Pendens Foreclosure Action on His Home
By: Dale Rogers | 15/05/2007 | Mortgage
This had been quite a turn of events for Bobby, a single dad, recently divorced with full custody of his two boys. His ex-wife had taken off with a new love found on the Internet. She said it was real love this time. During the strain of the divorce and loss of half the household income things began to slide into disarray. The latest salvo was receipt of the Lis Pendens action served by a “friendly” process server with a phony smile. A week after service there was a long line of “investors” and other inquires by mail all about “saving” Bobby from his plight.

Achieve a Bad Credit Auto Loan Without Signing your Life Away
By: Dale Rogers | 20/04/2007 | Loans
Bad auto loans are very common nearly a quarter of Americans are credit-challenged. If you have bad credit or even no credit, you should have little problem of getting into a car. There are thousands of bad credit auto loans issued everyday in the U.S. There are specific banks or lenders that provide loans for those whom are credit-challenged, these banks are called subprime lenders. There are several factors, and criteria that may be needed to get a bad credit auto loan such as money down/collateral, proof of income, and of course credit history.

Lender’s Get Aggressive to Help Borrowers That are at Default Status on Their Mortgages
By: Dale Rogers | 17/04/2007 | Loans
The front pages are dominated with stories of the foreclosure onslaught. Those who can be helped out of their situation now have some options, which didn’t exist a few years ago. Some borrowers are so far gone with their financial situation, many times based on circumstances perhaps out of their control, the only answer may be to try a “short sale” (where the lender will accept less than what is owed), “deed in lieu of foreclosure” (where the borrower gives back the property to avoid foreclosure) or sell it (if the borrower has some equity) or allow the foreclosure proceeding to go to it ultimate conclusion. If the borrower has committed to staying in the property and fighting through the difficult period of pending foreclosure many lenders and their servicing agent are offering possible solutions.

Less Than 1% of Identity Thieves are Prosecuted…what are the Chances of Beating a Ring of Scammers
By: Dale Rogers | 13/04/2007 | Credit
The ink on recent headlines is still wet and not yet dry announcing the hacking loss of thousands of credit card information records from T.J. Maxx and Marshall’s. As featured on a recent Dateline NBC expose’ by Brian Hansen the identity thieves do not require the actual card, just the information. As Brian Hansen demonstrated with one of the “tracked” cards, the card was gone in seconds and major purchases were being made all over the world in a matter of minutes…

Willie Sutton is Now Back not as a Bank Robber But as a Modern Day Identity Thief
By: Dale Rogers | 29/03/2007 | Credit
Willie Sutton was one of the more prominent bank robbers in American history. During his long career he had robbed close to 100 banks from the late 1920s to 1952. He was known as “Slick Willie” or “The Actor”. As a master of disguise the FBI files show that Sutton disguised himself as a mailman, policeman, telegraph messenger, maintenance man and a host of other disguises. Willie Sutton was on the newly created list of the FBI’s Top Ten Most Wanted Fugitives in 1950.