Any “Public Records” listing in your Equifax, Experian or TransUnion credit report will seriously lower your credit scores. Although the “Account Summary” section of your credit reports may contain negative information such as late payments or collections, more serious delinquencies will be listed in the “Public Records” area of your credit files. Public Records In …
Federal laws dictate what personal information about you can – and can’t – be included in your credit reports from Equifax, Experian and TransUnion. Here’s a rundown of what to expect. Personal Information – Make Sure It’s Letter Perfect The top part of your credit report contains a condensed set of personal facts about you …
What Personal Information is Included in Your Credit Files Read More »
Regardless of whether you pull a credit report from Equifax, Experian or TransUnion, all credit files contain information that can be summarized into five categories: Personal Information The top part of your credit report contains a condensed set of personal facts about you – the totality of which is extremely important in establishing your unique …
Lots of people say they “can’t” save money. But I don’t believe that. Simple Strategies to Save More Money I want to challenge you to save more, by looking at various areas where you’re spending money – and thinking of creative ways to slash costs. Start with the following suggestions: Save on Your Current Housing …
The tough economy has forced many people to get back to the financial basics – including doing something that most individuals dread: budgeting. If you don’t yet have a budget, or if your current budget is constantly out of whack, take heart in knowing that you’re not alone. In fact, 70% of all Americans don’t …
When it comes to setting financial priorities, it’s all about planning and crossing some major “to do’s” off your list as early as possible …. this way you start off the New Year on the right foot and you score some big financial victories early on … to keep you motivated and on track all …
If one of your personal or financial goals is to get out of debt this year – or at least eliminate your debt as soon as possible – now is a great time to get started. Becoming debt-free takes work. But it doesn’t have to be an overwhelming chore. Simply following proven strategies below to …
After owning your home for some time, you might start to consider whether or not you should refinance your mortgage. If interest rates have dropped considerably as they have in recent years, or if your credit has improved dramatically, it’s possible you might be able to get a much better deal on a new mortgage …
When you think about the assets you own, does your house immediately spring to mind? It should, if you made any down payment on the house. That down payment – whether it was from funds out of your own pocket or money secured elsewhere – represents equity in your house. Your equity in a home …
Excerpted from Your First Home: The Smart Way to Get It and Keep It Proven Strategies to Slash Your Property Tax Bill Almost everyone hates to pay taxes, and it doesn’t matter whether they’re federal income taxes, state taxes, or local taxes on the house you own. Americans dread property taxes more than any other …
Missing mortgage payments isn’t the only way you can lose your home. Falling behind on your property taxes – no matter whether you owe thousands or just a few hundred dollars – also puts you at risk of foreclosure. In fact, tax lien foreclosures take place every day in America. When you don’t pay property …
Can I Lose My Home Because of Overdue Property Taxes? Read More »
If you need a loan, especially a mortgage, we all know that your application will be viewed more favorably if you can demonstrate a good savings track record, and show that you have great credit. But did you also know that, just like there are tangible and intangible ways you can impress a banker, there …
A subscriber to my newsletter went to Half.com, a division of Amazon.com and ordered a book. When she got her Discover card statement, she found a bogus charge described as Amazon.com. She wanted to know what to do. This sounds like a case of identity theft (i.e. use of your credit card number without your …
What To Do When You Are a Victim of Identity Theft Read More »
One of my lucky readers just got $5,000 from a family member — not for her, but for her young daughter’s college education. Her question: what to do with it? My answer: Put it in a 529 Plan. A 529 Plan is a state-sponsored college savings program. In my opinion, these are hands-down the single …
One of my newsletter subscribers had a question about how to best dispute a medical debt. She found out that a collection account for $1,879 appears on her Equifax credit report, based on a $2,000 surgery she had back in 2004. This individual (who is also unemployed) said she’d paid monthly on the bill at …
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