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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...

HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

credit report errors insurance problems rating lenders related definitions

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...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

More about credit report errors insurance problems rating lenders

Home Loans Repair Credit Errors in Three Days!
Most consumers are aware that a history of paying bills late or not at all can hurt ones ability to obtain a loan. All financial transactions are recorded by three credit bureaus and offered to lenders upon request in the form of a credit report. That report contains the all-important credit ... more...

How Healthy Is Your Credit
Theres only one way to discover the health of your credit. You need to examine your credit report. Your credit report is your consumer identity that potential lenders will use to judge your credit worthiness.Use these tips to give your credit profile the tune-up it needs for 2004.Tip #1- Check ... more...

Everywhere You Go, Your Credit Report Will Follow
Ever write your name in freshly poured concrete? Years later you come back, and there it is etched for every one to read. Credit reports mark your financial history like initials cast in concrete. Credit reports are more fluid since information about you gets added through your entire life. ... more...

My Credit Affects My Car Insurance Rate?
You probably know that lenders use information in your credit report to determine if they'll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or auto ... more...

Credit And Debt Relief--A One Stop Solution
Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking for. The interior was sunny and bright, with a newly remodeled kitchen, spacious bedrooms, and the perfect little study area to set up her ... more...

A One Stop Financial Solution
Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking for. The interior was sunny and bright, with a newly remodeled kitchen, spacious bedrooms, and the perfect little study area to set up her ... more...

Make Sure Your Credit Report Is Correct to Improve Your Interest Rates And Lower Insurance Premiums
Did you know that you could make sure to get the best rates on your auto and homeowners insurance simply by having a good credit score.Additionally a great credit score will allow you to get the best interest rates on your credit cards, car loans and even your home mortgage. With interest rates as ... more...

Credit Repair - Understanding The Basics
What is Credit?Credit means that you are using someone else's money to pay for things. It also means that you are making a promise to repay the money to the person or company that loaned you the money.Whenever a person applies for a loan, mortgage, a credit card or for any other purpose for which ... more...

Big Brother Knows What's in Your Credit Report - How About You?
Whether you are aware of it or not, credit bureaus have been keeping tabs on you and how you use credit. When it's time for you to apply for a mortgage, credit card, or personal loan, your credit report is what lenders look at to decide to approve you or not.Information about you is collected and ... more...

Home Equity Loan Refinance - 3 Things to Know Before Refinancing Your Equity Loan
You can refinance your home equity loan for lower rates, just like with any other type of credit. Improving your credit and shopping for rates ensure that you will get the best financial deal. Researching lenders couldnt be easier with rates and terms offered online for easy comparison.1. You Can ... more...

Can You Really Repair Your Bad Credit?
There are several steps involved in correcting credit errors.1). Order your credit file from each of the three major credit bureaus (Experian, Equifax, and Transunion), not through a reseller. If you order your credit file from a reseller, you will not be able to initiate a dispute. It is important ... more...


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