A credit report will include credit accounts, public records, credit inquiries and any statements of dispute. You should check your credit history at least once a year to keep tabs on your finances and make sure no one has stolen your identity. Everyone is entitled to one free report a year from each of the three credit reporting agencies. (You can get your free credit report at AnnualCreditReport.com.) Learn more about what your credit report says about you.
ARM Mortgage Rates Increase
What can you do when the introductory rate on your adjustable rate mortgage (ARM) is expiring? You need to understand what index your ARM mortgage is tied to and how the rate will change after the introductory period. You can then decide whether to refinance your ARM mortgage with a different interest rate.
Negotiating Repayment Of Credit Card Debt
Negotiating repayment of credit card debt can impact your credit score and your tax bill. One problem with offering credit card companies less than what you owe them is that you may have a hefty tax bill because the IRS views the settlement as "phantom income." If you negotiate and settle with your creditors, be prepared to pay the tax bill the following year. You should also - as part of your final agreement - get the credit card company to report your balance as "paid as agreed" or "paid in full."
Today’s Ilyce Glink Show
I don't know about you, but I'm still stuffed from Thanksgiving. Or perhaps I'm stuffed from the two plates of leftovers I ate last night for dinner. ...
Credit Report Hurt By Inaccurate Charge-Off
Inaccurate reporting of information on your credit report can seriously damage your credit score. However, sometimes the circumstances are reported wrong on your credit report. If a dispute goes on for a year or more, and the leasing company sells your debt to a collections agency and charges off the wear and tear amount that you failed to pay, then it is a charge off. You can dispute the way debt is reported by filing complaints with the credit reporting bureaus and other agencies. Make sure to report your complaints in writing to the credit companies.
OptOutPrescreen.com
Ever wonder why, after you've applied for a loan, you start getting calls from creditors offering you a competing loan? That's because credit reportin...
I’m On Vacation This Week
I may post once or twice from Colorado, but for the most part, I'll be taking in the mountain air, hiking, biking and doing non-technical things. Whe...
How To Raise Your Credit Score
Repairing your credit history and score takes time and patience, but will be worth it at the end. If you're paying your bills on time and paying down debt, your credit score should start to rise within a year and even more in two years. Part of your credit score hinges on not having any late pays as well as managing your credit over the long haul.
Going Through Underwriting
We are opening up our tents and setting up shop at ThinkGlink.com Over the next few weeks, you'll be able to see the new look and feel of ThinkGlink...
Ilyce Glink on WSB Radio – January 29, 2006
Ilyce starts the show by talking about "good faith estimates" and continues a discussion on mortgage fraud. Ilyce then takes calls on topics from "cleaning up" a credit report to establishing credit.
Removing Accounts From Credit Report
Often you will see old accounts on your credit report. There may not be any harm in having old and inactive accounts still being reported on your credit report. If there is a discrepancy on your credit history you can go to the three credit reporting bureaus and file an online dispute.