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...

So You Want to Buy a Home?
Taking the plunge into home ownership can be a rewarding step for many first-time home buyers. Before you take the plunge, look before you leap. Homeownership is not for everyone.304 Take into consideration the pluses for renting versus owning: -Monthly costs: renting can be more cost-efficient ... 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...

How To Find a Real Estate Agent
You may be of the opinion that you dont need a real estate agent and that using one will add to the cost of buying your new home.The fact is that a real estate agents fees are typically paid by the seller of the home. So, as a buyer, you can get the services of a professional real estate agent ... more...

Publicity: The Best Things In Life Are... FREEE!
One portion of your marketing plan that you probably don't think about enough is "free publicity".Publicity is an extremely important tool and should be given prominence in any marketing plan.What is publicity?It's getting anyone else besides yourself to talk about you (preferably in a good way) ... 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...

Brand Equity Building - Measuring Brand Value
Measuring brand equity allows a company to establish a baseline and track changes in its brand equity over time. If a company consistently works to improve the strength of its brands, it must trace progress, or risk "flying blind." Changes in a quantitative measurement of brand equity can show the ... more...

Bad Credit Loan and Bad Credit Loans
A bad credit loan will usually carry with it an extremely high interest rate and may require some types of collateral to be pledged as security for the loan. Bad credit loans may also require a co-signer to limit the risk involved with lending money to an individual who has shown poor credit ... 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...

Debt Consolidation: Do It Yourself
Debt consolidation is a big business, especially on the internet. Companies advertise offering to lower your payments by 50% and claim to be nonprofits, giving consumers the idea that it will be cheaper through them. Its not. Many firms offer a debt settlement program in case you are unable to make ... more...