You’re a new parent, you’re looking for a name for you new son. What better idea than to carry on the family name than to name your son after you. So little Johnny Jr. is born and you live a life of blissful pride as you watch your namesake grow and mature. “What a beautiful and enduring legacy we have created, right dear?” WRONG! So What’s The Problem? The problem is the credit reporting bureaus are extremely automated and if a name that is very similar and has other similar characteristics, … [Read more...]
Wealth is oozing from your pores!
You say that you are not smart financially. I say that you are wealthier than the average Joe and I will show it to you. If you take a close look at a financial advisor, you will see that they struggle with everyday bills. They have student loans and house payments. Many of them even have credit card debt! You, like they, have wealth. You just need to find it. You have wealth that you may not even realize. Your wealth, like your dreams, is different than your friends or neighbors. Some of these … [Read more...]
How to Detect and Avoid Credit Repair Scams
Back when life was much simpler, when credit was in the form of a firm handshake and the person’s word that they will repay the loan, the terms FICO (Fair Isaac Corporation), CROA (Credit Repair Organizations Act), FCRA (Fair Credit Reporting Act), among others, would have seemed like a foreign language. All anyone needed to do to “fix” their credit or to gain credit in those days was to “appear” credit worthy. In the early days of credit, a person’s credit worthiness was determined by the … [Read more...]
The 6 Simple Steps To Repairing Your Own Credit
So you’ve obtained your free credit report that is allowed to you once per year via www.annualcreditreport.com and discovered that there are serious errors on your credit report. You have scoured the Internet in search for help from companies and law firms who charge a hefty fee to correct your credit. A fee such as $99.00 to start a service on top of $99.00 per month until your credit is corrected (which could take upwards of one year!) So What Do You Do Now? Load up your printer ink and buy … [Read more...]
Dealing With Your Personal Finance Holiday Hangover
Ahhhh the New Year is up on us! 2012 here we come! Now that your Christmas/Hanukkah/Kwanzaa/Winter Solstice gifts are unwrapped, the fruit cake from Aunt June is put away to age for the rest of eternity, you finally have a moment of clarity! Holy crap! I have credit card bills on their way. I have to pay for all of these merry festivities now! Not to fret, we’re here to make some sense of it for you, and to give you some guidance so that you don’t go as crazy as “Cousin Eddie” standing in the … [Read more...]
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