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Credit Reports and Credit Scores
November 24, 2004 What Is a Credit Report? A credit report is a report from a credit bureau containing detailed information bearing on credit-worthiness, including the individual's credit history. A typical credit report includes the following: Personal information. ... more...

When Good Credit Marries Bad Credit
November 2, 1998, Revised November 22, 2004 "My fiancee and I are first time buyers and would like to purchase a single family home in New Jersey. He has an outstanding credit report and I have a bad one (collections, ... more...

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Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Credit Report
Credit Report A report documenting the credit history and current status of a borrower's credit standing, detailing a borrowers credit history including payment history on revolving accounts (eg. credit cards) and installment ... more...

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The Top 10 Reasons to Invest in Mutual Funds
Everyone who follows the financial news has heard of mutual funds and knows the stock market has generally risen (with various ups-and-downs) for over 200 years. In fact, by most measures, the stock market has made more money for more people, and done it more reliably, than any other investment ... more...

The Costs of Transforming Your Home into a Buyer's Dream House
Turning your house into the home of a buyer's dreams doesnt have to cost a great deal of money. In fact, armed with some paint and the determination to work hard, most home sellers usually need to invest only about $500 to spruce up their homes for a quick sale.A little paint, inside and out, and ... more...

10 Step Credit Repair Guide
The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies. You can get the credit reporting agencies to help you ... more...

Internet Basics: eCommerce is Like Playing House
Ever play house as a kid? You dont even have to be in a house to play it. You just say, The kitchens over there, and this is the laundry, and heres the garage, and so on. You make it all up in your mind, but none of its really there.You can add stuff whenever you want, and you can decide its the ... more...

Follow Up: It Makes A Difference
A while back the headlight switch on our minivan quit working, so early one Saturday morning we took it to the neighborhood repair shop that has been mailing postcards to us the past three years. They said it would take 90 minutes to check things out.Three hours later we call: still havent gotten ... more...

10 Steps to Creating Your Smalll Business Disaster Plan
I'm a recent Hurricane Rita evacuee and survived the evacuation and the ensuing hurricane. Running from a hurricane isn't something I've ever had to do before, nor is it something I'd ever like to do again. However, as a solo business owner, I'm quite thankful that I have a virtual business. The ... more...

Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan, youve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so its well worth your time to be sure that you understand what your credit report says about you.Even if youre not ... more...

Getting the Best Life Insurance Quote
Your life insurance quote is primarily dependant on a number of personal factors, namely your health, family history, lifestyle and age. Its not possible to physically change any of these factors and you definitely shouldnt lie about any of them when applying for a life insurance quote. However, ... more...

Perfect Storm
Having lived aboard a sailboat for 2 years I was stricken when I saw the movie PERFECT STORM. I know these are things you want to avoid at all costs. Even little storms can play havoc with your life style on a boat.From a world view it looks like we are headed into a perfect storm of world ... more...

WARNING: The Biggest Lie About Compound Interest
Have you wondered why financial experts only tell you certain things about building wealth? Do you think its in their best interest to tell you the absolute truth?LIE: The Magic of Compound Interest: Save $X per month and you can retire RICH.FACT : Compound Interest works only for the very few. The ... more...

Anatomy of an Online Marketing Failure
Wife: "I'm getting sick of these harrassing bill collectors who call me all hours of the night and day."Husband: "I know Sweetheart. I'm going to turn things around financially for us. Bill, down at the office, says that there's lots of money to be made on the Internet. I think I'll go to him for ... more...

Triple Your Profits Easily With The Right "USP"
Convinced you have a fantastic idea for your online business and can't understand why you're not making a big profit yet?If you're seeking your very own Internet fortune and have developed an online business, you know there are a lot of steps involved. You've registered your winning domain name, ... more...

Credit Reports Errors Can Be Costly
In todays society, we cant function without credit. We need it to pay bills, borrow money, and to buy our homes and cars. A luxury of the current age is that credit is often granted easily and quickly, a result of years of automation and refining of record keeping. The glue that holds it all ... more...

Using Credit Cards Wisely
Using credit wisely is a good habit that, with only a little financial education, you can learn quickly. Using credit cards wisely will enable you to save money by avoiding late fees or penalties for exceeding credit card limits. You can even learn how to pay NO interest and have your credit ... more...

Repair Your Credit - The Right Way!
How to Repair a Bad Credit RatingThe Right Way!If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.Once you have a bad credit rating, it might seem like there's nothing that you can do about it but you don't have ... more...


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