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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...

Lies Mortgage Shoppers Hear
    December 2, 2002, Revised July 16, 2004 "I am about to shop the market for the mortgage I need to finance my home purchase.  Is there a danger that people won?t tell me the truth?  Any lies I should look out for in particular ... more...

federal home mortgage credit information california score housing market related definitions

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...

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...

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How To Place Yourself in the Secure Society
Identity theft has become the fastest growing criminal activity in the 20th Century, replacing illegal drug sales. For the perpetrators, it offers the highest profit margin with the least risk. In fact, according to one expert, it is estimated that fewer than 1-in-700-identity crimes actually ... more...

California Farm Loan
If you live in California, you know that farming still plays an important role in the Californian economy. With nearly 40 million residents, the Golden State still has farms producing a wide variety of agricultural products. Indeed, California is a leader in the production of wine and cheese; ... more...

Debt Negotiation Vs. Debt Management
Debt negotiation and debt management/consolidation both help consumers pay off their debts through two different approaches. Each affects your credit score, payoff period, and taxes differently. Before choosing either options, be sure you understand the long term consequences of each debt ... more...

Housing Bubble, Interest Rates, Timber Costs; What Has Changed?
What has really changed in the housing market with regards to timber dumping from Canada, lumber costs since the Professional Building Magazine issue in Sept. 2001. How is this affecting the housing market or the predicted housing bubble burst which was suppose to cripple the economy. We have seen ... more...

Fanning the Flames of the Diabetes Epidemic
INTRODUCTIONIt is my pleasure to introduce to you, a new Diabetes Prevention Education, Public Relations Campaign established under the name Fannie Estelle Hill Grant, started by me, Lyndia Grant-Briggs, after the loss of my mother who succumbed to Type 2 Diabetes on Christmas Day, December 25, ... more...

The Advantages of Buying a Home
Buying a Home is at the heart of the American Dream. It can bring happiness and provide a solid foundation for you and your family. It has many benefits, but the following three in particular Tax BreaksWhen compared to other investments, few can generate the healthy and long lasting tax breaks that ... more...

Asset Searching for Recovery Actions - The Decision Maker's Tool Part 2
In Part One of this article we took a look at some minimum recommendations for asset searches as a recovery medium. This discussion is based on the assumption that an asset search has already been determined to be sanctionable by, for example, a loan in default, a judgment that has been rendered, a ... more...

Learn The 15 Debt Elimination Steps You Must Take Immediately!
What Everybody Needs To Know...Learn The Truth About Debt Elimination!Here`s how we have been taught to charge, charge, charge and promised Easy monthly payments by advertisers who seduce us into debt. So its no accident that the credit, finance and loan companies end up with most of our money, ... more...

Seven Key Tax Deductions for the Self Employed
As a sole proprietor, its wise to familiarize yourself with the some key deductions that may reduce your tax bill for 2004.Small-business consultants generally recommend that you hire an accountant to prepare your tax returns, payroll and financial statements. But you should also meet with your ... more...

Escrow Accounts, Do You Absolutely Need One?
With escrow accounts the money for your home insurance and property tax is added to your monthly mortgage payment and is paid out each year. With that said, you may think that having an escrow account takes the responsibility off your shoulders because the bank will make the payment for you each ... more...

Boom or Bust
For those looking to invest in the real estate marketkeep your eyes on the headlines. According to the Federal Deposit Insurance Corp. (FDIC), the number of areas across the U.S. with real estate booms shot to 55, increasing by nearly two-thirds last year. The FDIC warns, these booms may be ... more...


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