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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...

mortgage tax home loan credit information score house real 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...

Second Mortgage, Home Equity Loan
Second Mortgage, Home Equity Loan A secured loan (mortgage) that is subordinate to another loan against the same property. More specifically, the second loan in sequence. Generally, second mortgage hass a higher interest rate and with shorter terms than a ... more...

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Experience the Benefits of Applying for a Home Equity Loan
There are many services on the market today for you and your family. Get a free quote and youll see why applying for a home equity loan is worth your while! There are many great uses for a home equity loan. You can use a home loan for debt consolidation of high interest credit cards, education for ... more...

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 Bad Credit Loans - Exploring FICO Scores
An individuals credit score is a number that ranges from 850 (perfect) to 300 (very poor) and is used by financial institutions to judge the level of risk of a borrower. Lending institutions use credit scores to determine interest rates and credit limits for a borrower. A borrowers credit score is ... more...

Property Investment - What Future For the Biggest Bubble of All Time?
The Economist magazine published a special report in this months issue entitled House Prices After The Fall. Some might call it pessimistic, alarmist, nonsense or worse but only the foolish would choose to ignore the research that comes out of a think-tank with the kind of resources that this ... more...

Real Estate Tax Incentives
Lower Your TaxesTax incentives for real estate investors can often make the difference in your tax rates. Deductions for rental property can often be used to offset wage income. Tax breaks can often enable investors to turn a loss into a profit.For which items can investors get tax breaks? You ... more...

The Art of Stoozing to Make Money from Credit Cards
Make Money from StoozingStoozing, this is a sophisticated method of making money from credit cards that offer 0% introductory periods, the method requires cast iron discipline in never spending on the cards.But, I hear you all ask - what is stoozing and can I do it?Stoozing, in the simplest terms ... more...

Can Your Home or Business Weather a Fire?
Imagine arriving at your home or business only to find it burned to the ground. For too many people, that scenario is a frightening reality. To just about any home or business owner, a fire is the most detrimental of all disasters. Charred remains of furniture, equipment and personal belongings ... more...

How To Be the Ultimate American Consumer
Feel like a lemming lately? Ready to follow the crowd into the great plunge of Ultimate American Consumerism? Just in case you need a little help, here is a tongue-in-cheek look at how to continue the process of becoming the Ultimate American Consumer!1. Always spend right at the level of your ... more...

Financing Purchase of a Business
Should you decide to buy an existing business, several factors enter into consideration of how to finance it. Let us discuss the most important of these factors.The amount of capital required.Nearly all sales of small businesses are, strictly speaking, merely sales of the assets of the business. ... more...

How Do I Prepare for Retirement?
When the day finally arrives, will you be ready? What do you need to do? How do you need to prepare? Well, if you are over 10 years from retirement, then just sock away tons of money in your 401k for now. This article is focusing on people a little closer to retirement.So you are about 10 ... more...


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