Families of church sex abuse victims suffer wounds, too
COVINGTON, Ky. – Sue was deeply into a peaceful sleep one night, when all of a sudden her eyes popped open and a wave of fear instantly washed over her entire body. Read more on The Kentucky Post
Sex victims’ families suffer wounds, too
Wife of victim in Diocese of Covington sex abuse case speaks out about about impact on family members Read more on WCPO Cincinnati
Should Paul Pierce stay with the Celtics? YEA: Boston is his best-case scenario
I don’t believe I’m actually saying this, but I think Paul Pierce would be a fool to leave the Boston Celtics. An absolute fool. By the time the 2010-11 season begins, Pierce will be 33 years old. And, after this past season, he’s probably beaten up beyond repair. Read more on The Daily Item
Gillard seals mining tax deal
Julia Gillard says the Government and Australia’s big mining companies are ready to “move forward together” after striking a deal on the controversial resources tax. Read more on Australian Broadcasting Corporation
Auto sales in U.S. down 10.8% in June from May
Auto industry sold 983,738 vehicles last month, fewer than many were predicting but up 14.4% from June 2009. The recovery of the auto industry may be heading for a detour. Read more on Los Angeles Times
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www.coastalcreditsolutions.com our mission is to provide consumers like yourself a personalized unbiased financial analysis and then match you with a credit card debt settlement service provider that will assist you in accomplishing your financial objectives. Most of our services are FREE and you are under no obligation to accept offers that are suggested to you. For a free no-obligation consultation from a credit advisor, please call us at 866-205-8370 or fill out the short form just to the right and you will be contacted as soon as possible. Coastal Credit Solutions. Video Rating: 4 / 5
www.KaydemCreditHelp.com Call us (866) 237-0013 You want to fix your credit, looking for a credit repair company that will raise your credit score? Welcome to Kaydem Credit HelpRebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast! What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”… While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better. Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this. One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22. How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on. Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors: 1.) The “High Credit Limit …
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If you are looking into different credit solutions, how can you choose the best one? A key first step is to define your goals and what specific credit solutions you are looking for. Whether you need debt help, credit related loans, or help with your credit report, Bills.com can help you evaluate all possible credit solutions and help you find the best provider for your needs.
Which of the various credit solutions available is best for you will depend on what you are trying to achieve, as well as on your current financial health. Are you a homeowner? Then perhaps the best of the available credit solutions will involve using the equity in your home. Is it credit card debt that is overwhelming you? If so, you will need to decide if your goal is to get out of debt at the fastest speed… or to lower the amount you are paying each month in monthly payments. You will likely want to examine both debt settlement programs as well as debt consolidation programs. Both of these credit solutions have pluses and minuses. Depending on what you wish to achieve, one credit solution approach will be better for you than another.
Generally, credit is organized into three major buckets: 1) Revolving credit: where a consumer borrows money from a lender and pays it back at the end or makes partial monthly payments (e.g. Visa and MasterCard).
2) Charge credit: where the lender provides the consumer with a loan under the presumption that it is going to be paid in full at the end of the month (American Express).
3) Installment credit: occurs when the consumer agrees to finance a debt with monthly payments over a predetermined period of time (e.g. mortgage).
A good credit score The higher your credit score, the better; however, there is no real industry standard. Credit scores range from 350-850. Each creditor/lender judges your credit score differently and takes other factors into consideration when determining your eligibility and/or risk. Typically, anything above 690 is considered a great score. Below a 620 is frequently referred to as “sub-prime.”
The need for credit counseling There is no established debt amount or situation that dictates the need for credit counseling. Whenever you feel overwhelmed by debt, regardless of the amount, and need assistant with your credit debt, credit counseling can help you steer clear of huge financial troubles.
Credit Counseling’s influence on Credit Rating The existing condition of your credit report will influence how credit counseling will affect your credit; however, there is no hard and fast rule regarding credit counseling and your credit. Most creditors will report your usage of a credit counselor while other may not; and there’s no predicting how future creditors will interpret it. Many lenders perceive credit counseling as a consumer “work-out” program. Credit counseling will NOT impact your FICO score.
Unsecured credit cards for bad credit have higher interest rates:
When creditors provide unsecured credit to those individuals with bad credit, the credit issuers face higher financial risks. So, to protect themselves, creditors set higher interest rates and fees for those with bad credit.
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Credit agencies lined up to pinpoint benefit cheats
Credit agencies have been called in by ministers hunting for massive savings in government spending to help slash Britain’s £3bn benefit fraud bill. Read more on Independent
Ypsilanti Area Federal Credit Union to become Washtenaw Federal Credit Union
The Ypsilanti Area Federal Credit Union is changing its name to Washtenaw Federal Credit Union, marking the latest in a series of changes for the region’s financial services industry. The change goes into effect Thursday. It comes after the credit…… Read more on The Ann Arbor News
Improving your credit, or FICO, score by even 50 points can save you hundreds of dollars per month in lower payments. This is because your credit score directly determines the interest rate at which lenders charge you for auto loans, mortgages, and credit cards. A better score can also make you eligible for many special rates and promo offers that you may not even be seeing right now because you are not on the “right” mailing lists due to a less-than-impressive score.
Here are 5 secrets for getting a better credit score faster.
Secret #1: Order you credit reports right away:
There are two reasons to order your credit reports today from all three of the Big Three credit reporting bureaus: finding out your credit score and checking for identity theft. You can get your initial credit report for free on the Internet. And, there are a number of companies online that will monitor your scores, flagging problems and keeping you abreast of sudden changes. Caution: if you find any errors on your report, get them fixed immediately.
Secret #2: Make your payments on time:
A full 35% of your FICO score reflects your payment history. The unfortunate thing about the current system is that you can make 5 years of regular payments but miss one payment and hurt your score by 20 to 50 points, just like that. Be on the lookout for your monthly bills, and make your payments on time, every time. And, if you must be late on a payment, call the relevant lender and ask for a payment extension, giving them your intended date of late payment. This way, they will likely skip reporting the missed payment to your credit agency for the time being.
Secret #3: Do not close multiple accounts within a short period:
When you get on the path to a better FICO score, it may seem wise that you close a few or most of your credit card accounts. However, this can actually be a bad move, since it can result in a poorer debt-to-credit limit ratio (see Secret #4). In fact, it can be a good idea to keep many of your cards open, using one or more of them periodically for small purchases and then quickly paying them down at the end of the payment cycle. In this way, you will show your creditors that you are indeed a trustworthy debtor.
Secret #4: Mind your debt-to-credit limit ratio:
A whopping 30% of your credit score reflects how much you owe creditors or lenders by calculating your debt-to-credit limit ratio. This ratio is calculated simply by dividing your total credit card debt by the total credit limit for all cards you have open. The ratio is always a number between 0 and 1, with numbers below 0.5 being most favorable. To improve your ratio, you can either apply for more cards (but be careful here if you historically do not have strong willpower not to spend) or you can pay down debt. I suggest a bit of both, with more emphasis on paying down debt!
Secret #5: Be wise about transferring your debt among your cards:
It can be tempting when trying for a better FICO score to just keep transferring your credit card debt among different cards, month after month. However, this actually does nothing to reduce your total debt and is not advisable. The exception, of course, is when you transfer debt from higher interest to lower interest cards. This is actually a very good strategy. Just watch out for items like transfer fees and other conditions and take those into account when calculating the benefit of making such transfers.
There are very real monetary incentives to improving your credit score. Try each of these secrets and get a head start on the road to a better score.
A 50-point improvement in your FICO score could save you ,000s in annual debt payments. Improve your score by up to 249 points in 90 days with the Credit Secrets Bible: www.Success-Junky.com
