101-credit-debt-finance-resource

How To Get A Free Credit Report

2009-09-12T18:59:00.001-07:00

Did you know that you can get a free credit report?

Here is an excellent article that gives simple directions on how to get your free credit report…. keep reading.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Visit www.101-credit-debt-finance.com for more info on Credit Reports.

The Surge of Media Debt Sales of $18.3 Billion Signal More Mergers

2009-09-11T22:23:00.000-07:00

Signs of a recovering economy? It seems that the debt brokers and bouncing back.....see more for the story

Media Debt Sales of $18.3 Billion Signal More Mergers (Update2) - Bloomberg.com: "Media Debt Sales of $18.3 Billion Signal More Mergers (Update2)
Share | Email | Print | A A A

By Sarah Rabil and Gabrielle Coppola

Sept. 11 (Bloomberg) -- News Corp., owner of Fox television, Discovery Communications Inc. and other media companies raised almost $4 billion in debt sales last month, a sign that thawing credit may open the door for takeovers.

The surge in issuance compares with nothing in July and zero a year earlier. It brings total bond sales by U.S. media companies to $18.3 billion in 2009, more than all of 2008, and lets companies repay maturing debt or finance growth."

Curt sent you a Bankrate.com story link!

2009-05-04T10:14:00.000-07:00

This story link was sent to you by Curt.

Curt's comments: If you've had many financial changes in the last year and you've not checked your credit history standings, perhaps getting your latest credit report will reveal your most current credit score. Any incidents such as mortgage interest rate adjustments or new loans could impact your score. Find out your credit score now....

You can read this story on Bankrate.com at http://www.bankrate.com/brm/news/debt/20090427-debt-adviser-bad-score-a1.asp

A washingtonpost.com article from: curtd.marketing@gmail.com

2009-04-25T11:56:00.001-07:00

As the economic crisis continues, you need to pay attention to your credit card accounts. Depending on your circumstances with your credit card such as the amount of debt you have, credit card companies are closely looking at the amount of debt you have in your cards. They are also looking at your credit scores. Take a look at the following article to see what I mean, then go to this website and get your credit report. Click Here

Taking a Swing At the Bullies Behind the Plastic

By Michelle Singletary

President Obama's meeting with the top credit card issuers reminds me of a principal calling the playground bully into his office.

To view the entire article, go to http://www.washingtonpost.com/wp-dyn/content/article/2009/04/25/AR2009042500122.html?referrer=emailarticle

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10 Tips To Manage Your Frequent Flier Miles

2009-04-18T14:27:00.001-07:00

There have been some changes in the way airlines are trying to attract your business. Here are some tips to make your airline travel more convenient…..

10 tips to manage frequent flier miles

Newsday - ‎21 hours ago‎

Some airline-branded credit cards award 2 miles or points for every dollar spent on the partner airline and 1 mile or point for a dollar spent everywhere ...

For more information about credit debt or finance information just visit this website…More Credit Information

Interesting Article - Tips to Raise Your Credit Score

2009-04-17T11:26:00.001-07:00

Hello Credit Tips,

Your friend, Curt considered the following article
interesting and wanted to send it to you:

Tips to Raise Your Credit Score
By Candy L Dihel

Do you know what your credit score is? Is it low, high, average? If you credit score isn't as good as it should be start taking steps today to raise your credit score, and get control of you finances.

http://ezinearticles.com/?Tips-to-Raise-Your-Credit-Score&id=1506243

Message from Curt:
Want a huge tip to get your credit ratings shooting through the roof?

Check out this article.....

How Does A Student Become A Poor Student?

2009-04-16T23:14:00.001-07:00

While it is important to get the news of our students who are getting into credit trouble, the real source of the problem begins early on in life with the family. By teaching children the value of respecting money, the problem of students becoming heavily in debt when they graduate can be minimized.....

Increasing credit debt plagues students
Cosumnes Connection (subscription) - Sacramento,CA,USA
Students find themselves using their credit cards not only for food and iPods, but also to help pay for tuition and textbooks. Experience with credit debt ...

FWD: JPMorgan reports better profit than forecasts

2009-04-16T22:51:00.000-07:00

This message was forwarded to you by curtd.marketing@gmail.com.

Comment from sender:
It's always good news when a major bank can report profits than what it has forecated...

Because we are in a deep recession and high unemployment, getting a glimmer of hope in the banking world is great news...

Get the full story...

This article is from The Star Online (http://thestar.com.my)
URL: http://biz.thestar.com.my/news/story.asp?file=/2009/4/17/business/3713488&sec=business

__________________________________________________________________________

NEW YORK: JPMorgan Chase & Co reported better-than-expected first-quarter profit yesterday, as improved investment banking performance offset an increase in losses from credit cards and other consumer debt.

The results come as a deepening recession and rising unemployment forced the bank to set aside more money against losses in its consumer banking business.

Its shares fell slightly to US$32.30 from US$32.56 in pre-market trading on Thursday, after first-quarter profit to common shareholders fell 33% to US$1.52bil.

The bank set aside US$10bil against credit losses, almost twice the amount it put aside a year earlier.

While the bank has largely avoided the losses and writedowns on complex debt securities and subprime mortgages that hurt other banks in 2008, it is heavily exposed to consumer credit and chief executive Jamie Dimon has warned that rising unemployment will hurt the bank's consumer businesses in 2009.

"It is reasonable to expect additional increases to credit reserves if the economic environment worsens," said Dimon in a statement.

Offsetting rising credit card and mortgage losses, however, JPMorgan's investment bank reported profit of US$1.6bil, up from a loss of US$87mil a year earlier, on an increase in debt underwriting and strong credit, emerging markets and rates trading activity.

Analysts on average expected the second-largest US bank to earn 30 cents a share, with forecasts ranging from 11 cents to 45 cents a share, according to Reuters Estimates. —Reuters

<a href="http://hosted.ap.org/dynamic/fronts/BUSINESS?SITE=MYPSP&SECTION=HOME" target="_blank">Latest business news from AP-Wire</a>

__________________________________________________________________________
Your one-stop information portal:
The Star Online
http://thestar.com.my

Copyright © 1995-2009 Star Publications (Malaysia) Bhd. All rights reserved. Reproduction in whole or in part in any form or medium without express written permission of Star Publications is prohibited.

How to Stop Debt Collectors From Calling You, the Legal Way!

2007-10-20T14:23:00.000-07:00

Here is an excellent way to stop debt collection companies from calling you.

According to this updated article from the FTC it states that as long as you have a dispute in writing, by law the debt collector must stop calling you until the dispute has been verified in writing.

So if you are trying to payoff any of your credit cards, loans or retail credit accounts you are protected from the annoying telephone calls!

Just be sure that you are in dispute with the creditor or credit reporting agency. How do you do that?

Call your creditors of any inconsistencies or inaccuracies and submit your dispute. The same goes for the credit reporting agencies. There are always inaccurate information that needs to be clean up because of the transfer of information from human error.

Read this short report for clarity on stopping your creditors from calling you:

For Your Information: October 9, 2007
FTC Advisory Opinion: Debt Collectors May Inform Consumers That Collection Efforts Have CeasedThe Federal Trade Commission has issued an advisory opinion clarifying when the Fair Debt Collection Practices Act allows a debt collector to notify a consumer that it has ceased trying to collect a debt.

....Then get you credit report here: Get Equifax Score Watch Now!

Thanks for viewing,
Curtd
www.101-credit-debt-finance.com

2007-10-19T06:53:00.000-07:00

Well it's Friday.

For most of us who labor through the weekdays, we look forward to this day. We have the weekend to look forward to, are you one of them?

If not, sorry. Or maybe your Friday starts on Saturday or whatever day of the week.

Maybe you don't have any Fridays because you're working 7 or 8 days a week!

Speaking of which....why are you doing it?

....Extra income for the family, trying to buy your first new house or trying to payoff those debts?

Well if you're trying to payoff those debts I can certainly understand.

If you're frustrated on how to start paying off those debts you need a plan or strategy.

For starters here is an article that can get you on the right track....Check it out:

Fix Your Debt Issues With Credit Counseling
By Advisor
It is understandable that you may be confused as to where you should start and what sort of professional help you should get but the most important thing is that you start somewhere immediately. You could either approach a credit repair ...

And for more tips and advice that will accelerate your debt problems vist my site at
www.101-credit-debt-finance.com
Have a wonderful WeekEnd!

Curtd

2007-10-15T07:22:00.000-07:00

Autumn is finally here and the weather is changing out here in Northern California.

That means we need to take extra precaution in wet weather.

As you may or may not know, California drivers don't know how to drive in the rain so traffic literally comes to a halt if someone has a flat tire or the CHP has pulled someone over the side.

This causes miles of back up!

This brings to mind about the health of our financial status today.

How backed up are you? Have you been paying your bills on time or are you slowly getting behind?

It's best to take stock on review your financial situation. The holidays are coming, more stress on the finances and don't forget, employers find this an idea time to layoff their workers.

Don't get caught off guard.

However, if you are really in a pinch perhaps this article that I found may give some light at the end of your financial challenges...check it out:

Is Declaring Bankruptcy An Ideal Option For Debt Relief?
By glasstun(glasstun)
That is why declaring bankruptcy as a way of debt relief is not an intelligent move. In fact, it is a very disgraceful action that leaves a permanent black mark on ones credit report and character. Therefore, debtors resort to it as a ...

Thanks for viewing and if your need to find an excellent Debt Relief service.

Go here to CuraDebt for a free consultation.

Curtd
www.101-Credit-Debt-Finance.com

Check Cards: 4 Things You Must Avoid

2007-10-08T21:44:00.000-07:00

Check Cards: 4 Things You Must Avoid

Check Cards otherwise known as debit cards are very popular. Most double as a credit card and/or debit ATM card.

Do you have one? I do.

When they first came out I hated them because it was difficult to balance my checking account. I didn't understand how to use the card.

After all, the money withdrawn to pay for a transaction is instantly deducted from your checking account.

Keeping track can really be a challenge if you don't record your purchases.

I eventually got used to managing my money so I would not over spend. Let's face it, if all the money you have is in your checking account the misuse of your check card can easily start a series of overdrafts and create a big mess you don't want to be involved in.

Here are 4 terms you must be familiar with to avoid a disaster, they are:

Account overdraft
Blocking
Transaction limits
PIN versus signatures

I vaguely recognized these terms when I first read them myself so don't feel bad.

Here is an informative article on the subject of check cards.

Check it out here:

Beware debit card problems -- "...Overdrawing your checking account and hitting daily usage limits are just two problems."

Thanks for viewing,

Curtd

Don't forget to visit my website at www.101-credit-debt-finance.com

Can Brain or Spinal Injuries Be A Cause For Bankruptcy?

2007-10-06T19:37:00.000-07:00

...Interesting link to brain and spinal injuries can cause bankruptcies.

This caught my attention as I never specifically thought that these types of medical conditions would cause bankruptcy, they just seem so unrelated.

But according to this article 3% of all brain or spinal injuries ended up in bankruptcy.

It's no wonder as the cost of medical treatment is sky high especially if you are without adequate health insurance. It can literally wipe out your savings or retirement!

Do you have enough savings to whether the storm for a catastrophic medical event?

Get more details here:

Brain or Spinal Injury Linked to Increased Bankruptcy Rates - Newswise (press release)
3 Oct 2007

"..Brain or Spinal Injury Linked to Increased Bankruptcy RatesNewswise (press release) - Oct 3, 2007"Bankruptcies may be the 'tip of the iceberg' of medical impoverishment, most of whic..."

Thanks for viewing.

Curtd
101-Credit-Debt-Finance.com

Forced Savings...Soon to be a Law??

2007-10-02T22:26:00.000-07:00

Would You Agree To A Law That Will Force You To Save??

That's news to me. I just read an article that soon a law will force employees to participate in forced savings.

What would you do if you are forced to save money for your future?

On the one hand it is a good idea, however, what if your income obligations cannot truly support the idea of a forced savings....

Again, this is a new law, what are your thoughts?

Check out the article....

New 401(k) Law Helps Companies Force Employees Into Saving

By author on Investing

Take a look at this article from Smart Money about a new law that will allow companies to set employees up for automatic contributions to their 401(k) accounts. It will also allow a company to automatically increase an employees contributions to a 401(k) each year up to a certain cap percentage.

Thanks for viewing,
Curtd

BTW, don't forget to get more credit improvement ideas.
CLICK HERE

Warning! Don't Seek a Debt Relief Program Until You Read This!

2007-09-30T21:23:00.000-07:00

Are you considering a debt relief program to consolidate or lower your bills?

Consider some thoughtful tips that this article I stumbled upon is suggesting.

It's a great read...Check it out:

5 Credit Relief Tools, and 1 Argument Against Debt Consolidation
7 Sep 2007 by Drew Johnson

Whether it’s because of reckless spending, sickness, death or divorce, at some point in our lives we will be faced with financial problems. Here are 5 easy-to-remember debt relief tools that can help you better control your finances and ...

Thanks for viewing,

Curtd

BTW, Do you need more credit debt finance tips? CLICK HERE

How to Flood Your Pocket With Wads of Cash...the Easy Way!

2007-09-29T23:02:00.000-07:00

...Well may be not wads of cash but definitely a significant savings, how?

Budgeting the household expenses can be such a drag. Feels almost like having a rope around your neck.

I've been budgeting seriously for about 2 years now and I have to say that it's actually working. I have cut back on lots of little things like buying snacks...especially those impulsive kinds of snacking.

I've cut out those expensive trips to Starbucks or Peets Coffee. (Going to those places is like shopping at a Cosco...have ever noticed they deliberately place all the snack junk towards the check out stand? So as you are waiting with your cart to pay, you're standing next to a big pallet of beef jerky or the special on your favorite chocolate candy!)

I digress...

But the reality to my success is actually cutting out all the small things...I've noticed that I have extra change, so I just put it away.

One of the biggest culprits in spending money is at the grocery store. Do you find yourself counting and adding how much you are spending? I do.

A couple of posts back I talked about buying in $30 units and that has helped me a lot.

I just read an interesting article about how this one person goes grocery shopping.

Check it out, I think you'll enjoy it:

Grocery Budget Undergoing Overhaul
By paidtwice
It is clear from the results of this month that the grocery budget needs an overhaul. Which actually, is understandable. My three year old eats more every day it seems, my 11 month old is starting to eat enough to actually add to our ..

Thanks for viewing,
Curtd
Do you want more tips on saving money? Visit here: 101-credit-debt-finance.com

The Secret Ingredient to Winning That Job!

2007-09-28T06:18:00.000-07:00

Did you know that now employers will check your credit report to determine if you are the right person or you will be a risk to their company?

So you think that you've got what it takes to get that job. After that super great interview you're feeling on top of your game.

You're thinking you have aced that interview...said the right things to impress the interviewer. You know you'll be hired.You feel it in your gut...

Wait a minute, not so fast!

You see, there is one more important step after all the grueling interviews. They hand you a sheet of paper, a document that requests that they review your credit report. Of course at the bottom you sign off on and you request to get a copy of that report to.

The employer can determine that if your credit history show unusual spending patterns such on time or late payments. They can see how consistent are the lates. How many credit lines did you open, did you abuse these credit lines by not paying on time...

They can get into the psychology of their potential candidate.

If you look great in that history showing responsible actions in paying on time, you're probably an excellent candidate.

But if you are consistently late, have a terrible score and show that you have history of not paying your bills on time, don't bet on the farm that you'll get hired.

So what's the Secret Ingredient???...You guessed it.

Get current on your credit report.

So don't wait, do it now.

Thanks for viewing,

Curtd

BTW, here's how to grab your Free Credit report

Secrets to Pulling Gobs of Money Out of Thin Air!

2007-09-26T06:02:00.000-07:00

How to Pull Money from Thin Air....

Yes this sounds like some sort of Houdini thing. But think about it for a moment, it can be done.

You see, if you are on a tight budget or need to be on a budget to save your money then a little creativity ('Thin Air') can save you quite a bit of your hard earned money.

I recently made a big purchase, I bought a new car. By the time I added the new car payment and increased car insurance....Ouch!

So...How much can you save??

well that's really up to you. I am on a tight budget so my mind is always thinking (your mindset) of ways I can cut back on my spending.

Now I only have only so much money left over for myself, which is not very much.

So what am I doing?

I have created a system that seems to be working for me. You should create a system that works for you too.

What I did was divided my left over living expenses into $30 units. For me it seems that $30 is the average expense I use, such as buying gas or going to the grocery or taking my son to the movies.

Now for you it might be different, you just need to find out your units of spending.

The idea behind this is to limit the number of units you spend each week.

Make a real goal and stick to it.

The other motivator is to review your check book and start dumping all the unnecessary things that you buy such as buying coffee at Starbucks, going to the movies every week or magazine subscriptions...You get the picture right?

By doing this you've created extra money out of thin air!

Remember, you've got to create a system and you got to start now.

Here is a great article to put things into perspective if you are seriously in the mindset to save money.

Check it out....

Cash slips between cracks -- Nearly half of Americans lose track of at least $2,340 each year.

Thanks for viewing,

Curt

BTW, for more ways to save money visit: 101-credit-debt-finance.com

Home Ownership in 2 Simple Steps

2007-09-25T07:20:00.000-07:00

Although this might sound too good to be true the following article sheds light to anyone considering homeownership in today's housing market.

There are two important elements in considering buying your first home:

1) Know the condition of your credit history and score.

2) How much savings do you have.

Read this next article for details......

Repair, build credit before getting realtor, lender
Howard University The District Chronicles (subscription) - Washington,DC,USA
We pay $1250/month now in rent, we just paid off a few collections, have credit scores below 600 and very little savings. I would like to know how we can ...
See all stories on this topic

Thanks for viewing,

Curt
www.101-credit-debt-finance.com

How to get the Upper Hand in Home Buying

2007-09-23T15:05:00.000-07:00

Are you planning to buy your first house?

One of the most important steps to deciding if you are ready to buy your first house is to get your credti report.

Reviewing your credit report will give you an idea on how great or how poor your credit is. You certainly want to know what your credit score is too.

Your score will determine what types of mortgage programs and rates you can qualify. So before you talk to a mortgage lender, get your credit report.

...Oh by the way, here is a great article that covers some other important details in preparing for a mortgage.

Check it out....

Open House: Improving credit score helps home buying

What's the most effective way to obtain the best possible home mortgage in today's market? That's the question asked by many home buyers — and owners wanting to refinance their existing mortgage.......

Thanks for viewing,

Curt
Get the scoop on improving your credit
at 101-credit-debt-finance.com

How to Eliminate Your Debt in 7-1/2 Years

2007-09-20T21:16:00.000-07:00

Being in debt is not a fun place to be.

I know that I don't enjoy it. It's all consuming. Very restrictive to one's life style. Do you know what I mean?

I hate counting my money but I know that is very necessary...after all I have bills to pay, need to eat and pay for gas!

Oh and the other thing I do is avoid looking at my check book balance.

I know, sounds crazy but I hate the fact of watching my money slowly or quickly disappear.

But that's all changing.

A few months ago I decided to make changes in the way I spend my money.

This decision really manifested within my life, inside my head.

The best action I took was to have a strategy, a plan. Why? Because that's the starting place to how you can begin eliminating your debt.

Here is a plan if you don't have one, that will guarantee eliminating your debt in 7-1/2 years. Just go here:

http://www.101-credit-debt-finance.com/debt-elimination.html

Thanks for viewing,

Curt

Stop Gettng Ripped Off on Auto Insurance....

2007-09-19T09:50:00.000-07:00

I don't know about you but my car insurance is out of control. Just one year ago my rates were reasonable...or so I thought.

But I moved in September of 2006 not thinking that my insurance would be affected. When renewal time came rolling around..Ouch!! My new bill was 30% higher!

Well now I'm shopping....if you're in the same situation here are some great tips on helping you to find the best auto insurance online.

Thanks for viewing.

Curt
http://www.101-credit-debt-finance.com/

Check out the tips here....

Car Insurance Tips That Will Save you Big Bucks
PR-GB.com (press release), Bulgaria - Sep 7, 2007
On the best insurance comparison websites, you can even talk with insurance professionals and get more tips on saving money on your car insurance (see link ...

Suffering from Debt Overload? Here's a simple....

2007-09-18T06:55:00.000-07:00

Suffering From Debt Over Load?

Getting in control of your debt at first seems impossible and almost always painful. So painful that we often turn the other cheek to avoid the pain.

Are you in debt denial? If so, here's an excellent article on steps to pull your self out of your dispair....

The Debt Samaritans
Motley Fool UK, UK - Aug 28, 2007
If you fill in the debtline's Personal Budget Sheet (or The Fool's Statement of Affairs) you can work out the difference between your income and your ...

I hope you find this helpful....

Curt
http://www.101-credit-debt-finance.com/

Are Homeowners the Only Target in the Sub Prime Fallout?

2007-09-15T21:07:00.000-07:00

Here is an interesting story on the sub-prime mortgage fallout. Not only does it affect homeowners caught with those hybrid adjustable loans that are leading sub prime foreclosures but Wall St. as well.

Check it out now.....

Telegraph.co.uk
From the Rockies to Northern Rock: how bad debt infected the worldTelegraph.co.uk, United Kingdom - 4 hours agoThe funds held them through complex financial instruments known as collaterised debt obligations (CDOs), which had been used to parcel up portions of all ...

Curtd
http://www.101-credit-debt-finance.com/

101 Credit Debt Finance - Credit Report

2006-08-21T02:15:00.000-07:00

101 Credit Debt Finance - Credit Report: "HOW TO CLEAN UP YOUR CREDIT REPORT!

Mistakes in Your credit history can cost you money or your job...if you don't become diligent.

A credit report is a history of your credit as reported by creditors you currently are using or have used in the past.

Did you know that the results can be inaccurately reported? Now you can learn to take actions to correct your credit score but you need to have copies of your history."