Archive for August 30, 2012

Marc Degre leads Credit Repair Team at Angle Planning Concepts

Marc Degre leads Credit Repair Team at Angle Planning Concepts
News from Cape Gazette:

Planning is a big part of doing business. That includes being creditworthy enough to expand operations. Marc Degre, the new head of Angle Planning Concepts’ Credit Repair Team in Dover,  specializes in repairing credit for businesses and individuals. Degre becomes part of a team with more than 70 years experience in the mortgage and financial services industries.

“Marc’s extensive experience in working with businesses over the years in multiple venues provides him an outstanding perspective of every type of client and solution,” said company President John Rowley. “The tight money economy forces us to focus on ways to maximize our clients’ profiles while working with them to improve their credit scores and reduce borrowing costs.”

Angle Planning Concepts, LLC, recently relocated to 31 Saulsbury Road, Dover, to accommodate its growing client base. The business specializes in a comprehensive offering of insurance, mortgage planning, debt settlement and credit repair services. Go to www.AnglePlanning.com for more information.

Marc Degre can be reached at 302-735-7526, or Marc@yourcreditup.com.

…………… continues on Cape Gazette
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Hackettstown man allegedly uses credit card he found for car repair, food spree

Hackettstown man allegedly uses credit card he found for car repair, food spree
News from The Express Times – LehighValleyLive.com:

A Hackettstown man was issued a summons Thursday alleging he used a credit card he found for more than $ 600 in car repairs and food, according to court documents.

Donatillo Romero, 33, of the 200 block of Allamuchy Road, found a credit card that he used to pay for $ 618.85 worth of car repairs, Italian food and a trip to Burger King in the Phillipsburg area, according to court documents.

Romero paid Hai’s Automotive Repair for $ 410 in repairs on July 30, and $ 150 on Aug. 1, according to court documents. He visited and used the credit card at two restaurants in Pohatcong Township on July 28 and 30. He allegedly bought $ 8.85 worth of food at Burger King on July 28, and spent $ 50 at Frank’s Trattoria, according to court documents.

He faces four counts each of theft by deception, forgery, uttering of a forged instrument and one count of fraudulent use of a credit card.

…………… continues on The Express Times – LehighValleyLive.com
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US Home Sales Increase Thanks To Record-Low Mortgage Rates

US Home Sales Increase Thanks To Record-Low Mortgage Rates
News from Daily Markets:

With US home prices now a third lower than they were in their peak in 2006, it’s not surprising that many more houses were sold in July compared to a year ago. During the month of July, new home sales grew 3.6% to a seasonally adjusted annual rate of 372,000 compared to June, and if you compare it to a year ago, home sales rose 25.3%. This rise in home sales is largely due to near-record low mortgage rates.

Not only have home sales prices increased in the last month, the amount of building permits has also gone up, which confirms that builders are optimistic that people will buy more houses. Mortgage applications, on the other hand, have gone down 7.4% in July compared to June.

When purchasing a house, you should make sure you find the lowest mortgage rate available, as that could save you thousands of dollars. Fortunately, mortgage rates are still very low, although they are increasing a little each week, which means that if you want to purchase a house, you should take the plunge sooner than later.

Last week’s 30-year fixed mortgage rates have increased slightly from 3.62% two weeks ago to 3.66% last week, along with 15-year fixed mortgage rates, which also increased 0.01% from 2.88% two weeks ago to 2.89…………… continues on Daily Markets

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Student credit card consolidation – Close the doors on your credit card debt
News from The City Wire:

If your revolving credit card debt is keeping you awake at night, you may be thinking about getting professional debt help. While credit card consolidation can be a beneficial tool to expedite your debt repayment procedure, it can even backfire terribly if you do not watch your steps. Being a student, you have to be extra watchful about your personal finances as your credit score will be checked by your employers in the near future. You must be aware that debts can have a drastic effect on your credit score and therefore, you need to make sure that no wrong steps on your behalf will push you further towards the debt hole. Here are some benefits of credit card consolidation that you may reap.

  • Revised interest rates: The main reason for the increasingly large number of credit card defaults among the students is the outrageously high interest rates. The double-digit unemployment rate is also barring the students from getting jobs that can supply them with money with which they can pay off their credit card obligations. Debt consolidation can easily lower the interest rates on all your debt accounts and therefore you can make affordable repayments, thereby freeing yourself of debt.
  • Revised monthly payments: You can extend the repaymen…………… continues on The City Wire

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Downside of maxing out credit card rewards

Downside of maxing out credit card rewards
News from MSN Money:

This post comes from Gerri Detweiler at partner site Credit.com.

Are you using your credit card to pay for just about everything you can in hopes of maxing out the rewards you earn? While that may be good for your pocketbook, it could be bad for your credit, as our reader “JL Lagistee” is learning. He wrote:

My problem is that I have a rewards card that pays rewards on all purchases, so I charge everything on this card. Consequently my balance on my card is always high. I also pay off all charges in the same month they are charged. So I am never delinquent or miss payments. The credit rating companies downgrade my credit score a couple of points each quarter and never push it up because of this issue.

JL monitors his credit scores through a monitoring service provided by his bank, and he is frustrated with the fact that his scores remain stubbornly average, despite his perfect payment history on this current account. According to the credit monitoring service, the balance on his credit card appears to be the main factor contributing to his mediocre scores.

What can he do?

I spoke with JL by phone and learned that he has only one cred…………… continues on MSN Money

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Creditinfocenter Announces The Release of Their New Credit Repair Series

Creditinfocenter Announces The Release of Their New Credit Repair Series
News from The Herald | HeraldOnline.com:

New article series helps fix negative marks and build positive credit attributes.

— /PRNewswire/ — In this tough economy, the last thing a jobless person needs is a barrier to employment and a poor credit score can be this stumbling block. Mistakes on a credit report can lower a person’s score significantly. In addition, innocent habits by consumers can also lower scores.

In recognition of these problems, Creditinfocenter is announcing their release of a new credit repair article series, designed to help those with poor credit fix negative marks and those with good credit keep their credit score high.

Topics include:

  • The Cost of bad credit – How bad credit impacts more than just your ability to get new loans.
  • How does inaccurate information get on your credit report? – How mistake occurs with information on your credit report and how they can be prevented.
  • How to close a credit card account without hurting your credit score – Closing credit accounts can sometimes inadvertently hurt your score, the article explains how to avoid thi…………… continues on The Herald | HeraldOnline.com

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Glendale Man Sentenced for Credit Cards Skimming Scheme
News from LoanSafe:

(Source: FBI) – ATLANTA—Boris Toumasian, 25, of Glendale, California, who stole credit and debit card information from BP gas station customers and then used the information to create counterfeit cards, withdraw money from the customers’ bank accounts, and buy electronics, was sentenced today by United States District Judge Timothy C. Batten, Sr. to serve five years in federal prison on charges of conspiracy, credit card fraud, and aggravated identity theft. At the conclusion of the sentencing, the judge ordered the United States Marshals to take Toumasian into custody.

United States Attorney Sally Quillian Yates said of the case, “People don’t expect that when they swipe their credit card at a gas station, they are handing over their credit card information to crooks. Identity theft wreaks havoc on its victims, and today’s prison sentence reflects the seriousness of this crime.”

“As advances in technology continue to aid those who prey on unsuspecting members of the public, the Secret Service and its federal, state, and local counterparts will continue to combine their investigative capabilities to pursue the offenders,” said Reginald G. Moore Special Agent in Charge, United States Secret Service-Atlanta Field Office. “As in this case, the…………… continues on LoanSafe

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5 Ways To Boost Your Credit Score 100 Points!
5 Ways To Boost Your Credit Score 100 Points!

If you need help qualifying for a better rate on a loan or getting more credit, instantly increasing your credit score is probably the best way to do so.

You can save you thousands of dollars on your mortgage, auto loan and credit card interest rates just by having a higher credit score. Not only will “5 Ways to Boost Your Credit 100 Points” help you to improve your rating, but it explains where to find valuable resources that provide strategies on how to fight back against credit co

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Creditinfocenter Announces The Release of Their New Credit Repair Series

Creditinfocenter Announces The Release of Their New Credit Repair Series
News from RedOrbit:

August 22, 2012

PHOENIX, Aug. 22, 2012 /PRNewswire/ — In this tough economy, the last thing a jobless person needs is a barrier to employment and a poor credit score can be this stumbling block. Mistakes on a credit report can lower a person’s score significantly. In addition, innocent habits by consumers can also lower scores.

In recognition of these problems, Creditinfocenter is announcing their release of a new credit repair article series, designed to help those with poor credit fix negative marks and those with good credit keep their credit score high.

Topics include:

  • The Cost of bad credit – How bad credit impacts more than just your ability to get new loans.
  • How does inaccurate information get on your credit report? – How mistake occurs with information on your credit report and how they can be prevented.
  • How to close a credit card account without hurting your credit score – Closing credit accounts can sometimes inadvertently hurt your score, the articl…………… continues on RedOrbit

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Savings Account Rate Deal of the Day: Charleston Newspapers Federal Credit …
News from Go Banking Rates:

A savings account is essential in protecting yourself from the unexpected — whether a layoff, medical emergency or urgent car repair. Charleston Newspapers Federal Credit Union in Charleston, WV  arms its members with a deposit account that continues to give at a 0.50% APY interest rate.

Savings Account Terms and Conditions

Depositing into a savings account is required upon joining the credit union. Charleston Newspaper Federal Credit Union members need only to provide an initial deposit of $ 25. Thereafter, depositors are required to maintain at least $ 100 in the account to earn dividends. Interest rates are subject to change without notice and is therefore considered a variable rate.

About Charleston Newspapers Federal Credit Union

The Charleston Newspapers Federal Credit Union serves the community of Charleston Newspapers employees, retirees, and their family members. The institution is owned and operated by its members, and aims to connect depositors and borrowers alike who share the same mindset of “people helping people”.

continues on Go Banking Rates

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Creditinfocenter Announces The Release of Their New Credit Repair Series

Creditinfocenter Announces The Release of Their New Credit Repair Series
News from Sacramento Bee:

/PRNewswire/ — In this tough economy, the last thing a jobless person needs is a barrier to employment and a poor credit score can be this stumbling block. Mistakes on a credit report can lower a person’s score significantly. In addition, innocent habits by consumers can also lower scores.

In recognition of these problems, Creditinfocenter is announcing their release of a new credit repair article series, designed to help those with poor credit fix negative marks and those with good credit keep their credit score high.

Topics include:

  • The Cost of bad credit – How bad credit impacts more than just your ability to get new loans.
  • How does inaccurate information get on your credit report? – How mistake occurs with information on your credit report and how they can be prevented.
  • How to close a credit card account without hurting your credit score – Closing credit accounts can sometimes inadvertently hurt your score, the article explains how to avoid this.
  • Innocent ways you can ruin your credit. – Some borrowers c…………… continues on Sacramento Bee

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Planning to Repair Your Credit?
News from My Loans Consolidated:

August 23rd, 2012 Elisheva Wiriaatmadja

If you are thinking of repairing your credit, make sure you choose the legitimate credit repair company available out there. With the great recession that the world economy is currently facing, everybody seems to be needing a quick credit fix.

But before hiring a company to fix your credit score, make sure you order your credit report first and analyze to see if you actually need any help. If there are not that many blemishes in your report, you may not want to waste your precious time and hard earned money to hire a credit repair company.

However, if you come to the conclusion that your credit score is drowning and you do need help, do your own due diligence and research your options thoroughly. Ask for brochures and read everything there is on the company’s website. Ask questions regarding pricing, services they offer and so on.

Some companies will make a claim that they can raise your credit score in large amount in only a very short time. Please note that it takes a lot of time to have your credit score raised. Their claim is very much not realistic and thus, you should run away.

If you can find any customer reviews on credit repair companies, that would definitely help. Legitimate companies such…………… continues on My Loans Consolidated

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Improve your credit profile

Improve your credit profile
News from News24:

A friend of mine recently asked me how he could improve his credit profile and also get a better rate when he goes to buy a new car. This actually got me thinking as to how many of us know how the banks/lenders function and most importantly how they determine if they grant you credit or not for a house, car, short-term credit, loans etc.

This boils down to personal financial management. Managing your personal finance is extremely important if you are young person just starting out with your career. Managing your finances will ultimately determine the type of lifestyle you live.

Credit scoring is based on 5 things. And for some of us we may not be aware or even know how to manage them. The amount of credit you get and the interest that gets given to you in based on the following:

  • Your Payment History
  • Amounts You Owe
  • Length of Your Credit History
  • Types of Credit Used
  • Your New Credit

You can improve your credit scores by taking a close look at your credit reports and charting a plan of action to improve them.

Improve Your Payment History

It is important to always pay your bills on time. Late payments play a major role in driving down your score. If you have past-due bills now, get current and stay that way. You need to contact your creditors as soon as you know you wi…………… continues on News24

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Hundreds of New Bad Credit Loans Available without Credit Checks
News from Virtual-Strategy Magazine:

Badcredit-loans.net offers consumers across America the simple and easy way to access funds fast. Auto, pay day and personal bad credit loans available online with absolutely no credit check required.

Atlanta, GA (PRWEB) August 22, 2012

Having a poor or even bad credit score used to mean a financial dead end. None of the high street banks and credit unions typically want to lend to borrowers with a weak credit history, and as a result, the very people who tend to need money the most are increasingly being shut out of the credit options and financial products they need.

It’s a growing problem for the millions of Americans who live paycheck to paycheck monthly. With no significant savings of any kind, any type of out of the ordinary expenditure or emergency crisis becomes a financial headache as well. Even with the most careful budget, there are always unexpected situations and without a financial fallback position, life can get very stressful indeed.

A spokesperson for BadCredit-Loans announced today “It’s important that efforts to continue to educate Americans about personal finance and what it means to be a responsible borrower, but at the same time

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North Dakota Rated Best for Credit Conditions; Nevada Worst

North Dakota Rated Best for Credit Conditions; Nevada Worst
News from eCreditDaily.com:

A study of credit conditions by state found that if you live in a more sparsely populated region, it is likely that delinquency rates are lower, credit scores are higher and the jobs picture is much brighter.

But if your state has been hit hard by the foreclosure crisis, credit conditions have yet to improve substantially.

CardRatings.com has issued its list of best and worst states for obtaining and managing credit.

North Dakota, the third smallest U.S. state by population, has the best credit conditions. Nevada has the worse, followed by other states that have seen the highest rates of foreclosures since the housing market collapse.

The list is based on an analysis of the unemployment rate, bankruptcy rate, foreclosure rate, average credit score and credit card delinquency rate of each state.

Here’s the rundown from CardRatings.com:

The 10 best states for credit conditions

1. North Dakota. This state may be the best-kept secret in the country. Can you imagine a place where unemployment is at 3.0 percent, credit scores are strong, and foreclosures rarely happen? All are true of North Dakota. This state had the strongest scores in three of five categories…………… continues on eCreditDaily.com

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US Mortgage Rates Increase Slightly While Still Remaining Low
News from Daily Markets:

Buying and financing a new home is one of the largest expenses we have in our lives, regardless of the city, state or country we choose to live in. Since financing the purchase of a house is one of the main concerns of many US families, getting the lowest mortgage rates in the market will not only save you a lot of money, but will also give you peace of mind by knowing that you’ll be able to pay off the house you want to buy and live in.

Fortunately, for those of you who are looking to refinance your mortgage, the fixed rates are very low, although slightly increasing, and in the last month have even reached the lowest long-term rates since the 1950’s.

According to the mortgage finance company Freddie Mac, the 30-year average fixed-rate mortgages rose from 3.59% two weeks ago to 3.62% last week, although they are still at a relative low, considering that last year, the 30-year fixed-rate mortgages reached an average of more than 5%, with its lowest being 3.91% at the end of 2011.

The 15-year fixed-rate mortgage rates have also gone up slightly from 2.84% two weeks ago to 2.88% last week. The only rate that hasn’t gone up last week is the 5-year ARM which went down to 2.76% from 2.77% two weeks ago, becoming the 5th…………… continues on Daily Markets

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BadCreditCarLoans.us Offers Credit Repair Tips & Car Loans in Palatine, IL

BadCreditCarLoans.us Offers Credit Repair Tips & Car Loans in Palatine, IL
News from Sacramento Bee:

/PRNewswire-iReach/ — Those who have been searching for a lender to find a bad credit car loan in Palatine, IL need to head over to www.badcreditcarloans.us to find an affordable auto loan. The online automobile loan quote service offers free online applications to customers from all over so that they can have affordable monthly payments in a quick process. There is no fee and no obligation at Bad Credit Car Loans, and you can be certain that your information will be safe and secure.

(Photo: http://photos.prnewswire.com/prnh/20120815/CG58040)

On the website you will find everything you need to know about earning a cheap car loan with bad credit. There is an entire section of helpful information that will show you how to improve your credit and another that has frequently asked questions about credit and credit repair. On top of that, customers who refer a friend can earn $ 250 if their friend buys a vehicle.

There is a huge selection of used cars in Palatine, IL on the site that ar…………… continues on Sacramento Bee

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