Adverse Credit Mortgages - Home Loans For People With Poor Credit
Mortgage lenders offer many financing options for people with adverse credit. For those who dont qualify for an A loan, you can use a B, C, or D loan to finance the purchase of your home.These home loans offer short-term financing until your credit score improves and you can qualify for an A loan ... more...

How Your Credit Rating Influences You and How to Check It
You might not know it, but every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit reference agencies are Experian, Equifax, and Trans Union. They will ... more...

Tax Records - What You Should Keep And For How Long
Many taxpayers are confused about how long they should keep tax records. The term "tax records" refers to your tax returns and the documents that support the information in the returns. These documents can include receipts, bank statements, 1099s, etc. If you are one of the unlucky few to be ... more...

Credit Repair Myths and Facts
There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary. Negative items can be removed from your credit report and you can do it yourself. One does not need a credit repair expert or law firm to do it either. While the credit world can ... more...

Your Credit Score
Credit scores: all lenders use credit scores to determine interest rates and credit limits.The credit scoring system was developed in the early 1950's. However, it was not widely utilized until the early 1980's, when it was overhauled by Fair, Isaac & Company. At that time the 3 major credit ... more...

Free Credit Report - Really
2005 marks the year that consumers will be able to get a free credit report each year. The roll out of the Fair and Accurate Credit Transaction Act signed into law by President Bush actually began last December 1. If you didn't know about it, don't worry. You haven't missed the boat. Not everyone ... more...

How to Read a TransUnion Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

FHA Home Loan and FHA Home Loans
FHA home loans have basic requirements that must be met before qualifying for an FHA loan. FHA home loan requirements are standards that allow first time homebuyers the opportunities to meet mortgage qualifications. FHA home loans are easier to qualify for than conventional loans offered by lending ... more...

Home Equity Lines of Credit - the Basics
A Home equity line of credit is a loan which is similar to a credit card. These often have a very low interest rate (In most cases even lower than home equity loans). A Home equity lines of credit acts as a form of revolving which your home equity services.For example,-You take out a Home Equity ... more...

Bad Credit Home Loan To Get You Out Of Debt
A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as ... more...

Does It Matter Whether You Have Good or Bad Credit?
This is a very hot topic of discussion in the world of credit cards. It starts with what leads to a good or a bad credit and goes on to talk about the importance of good/bad credit.Have you been defaulting on your credit card payments thinking that it doesn't matter much? Well you haven't been ... more...