http://www.articlealley.com en-us editorial@articlealley.com If you have a credit score below a 580 it might be extremely hard to get a FHA loan in this current lending market. But there are other options when it comes to getting government loan. Even though FHA will insure loans below a 580 credit score the second... http://www.articlealley.com/article_622995_19.html 05th September 2008 One very good reason to get a copy of your credit report and begin working to get your credit score as high as possible is the difference in interest rates you'll pay if you need to buy a new car. Research shows that a borrower with a score under 600 w... http://www.articlealley.com/article_604637_19.html 20th August 2008 It really is kind of scary to realize that strangers can pull your credit report and thus access your credit history - and that they use it to create a picture of your life. All they need is your social security number - and that isn't hard to get any ... http://www.articlealley.com/article_604528_19.html 20th August 2008 Sounds simplistic, doesn't it? Just pay down your debts, your credit score will raise, and all will be fine. But if you're in debt, there's probably a reason - such as spending in excess of your income. If you want to build a good financial reputation ... http://www.articlealley.com/article_603256_19.html 19th August 2008 Your lender rattles off the term as if everyone knew exactly what FICO meant. But most of us don't even know what the letters stand for. The first part is simple: The Fair Isaac Corporation. Sounds mysterious, doesn't it? What the heck is a Fair Isaa... http://www.articlealley.com/article_602243_19.html 17th August 2008 When you think of needing a good credit score, the first thing that comes to mind is buying a home. Next is buying a car, and third is probably the ability to get a credit card. It's true, a good score will help you in all those areas. Not only will it... http://www.articlealley.com/article_601035_19.html 16th August 2008 If your credit score was just lowered, how would you find out? There are so many avenues now to get your credit report it's actually pretty easy. But what if it actually was lowered to the point that it would really cost you on loans? This is where the co... http://www.articlealley.com/article_599983_19.html 15th August 2008 No, I don't mean you need to teach them grammar, math and geography. You can leave those subjects up to the school system and hopefully they'll learn what they need to know with just a little help from you at homework time. I'm talking about a subject ... http://www.articlealley.com/article_599814_19.html 15th August 2008 The hard way always seems to be the better way. I have been told there are two ways to do things in life, "The hard way and the easy way." I think most want to do things the hard way. When it comes to buying a house for the first time, there is process to... http://www.articlealley.com/article_583595_19.html 22nd July 2008 With your Credit Score being the doorway to financial health I thought I would give some tips on what to avoid so your credit score is not affected. If your credit score is currently low I guarantee that you are paying too much to your creditors. Any busi... http://www.articlealley.com/article_577792_19.html 16th July 2008 Your life during a foreclosure might seem never ending. A foreclosure does affect your credit score report, but the good news is there is life afterwards. If you have fell victim to the Sub-Prim meltdown which caused you to loose your home, I will explain... http://www.articlealley.com/article_577276_19.html 16th July 2008 During the course of the day you may write a check at the grocery store, charge tickets to a concert, mail your tax returns, rent a car, and apply for a new credit card. Your probably don't think twice when you are doing these type of activities. An ident... http://www.articlealley.com/article_575125_19.html 14th July 2008 There is a lot of debate out there on when you should check your credit score report. I am sure you have read that you can get your credit report for FREE at www.annualcreditreport.com. Yes you can, but you... http://www.articlealley.com/article_574404_19.html 11th July 2008 If you need some quick cash but your credit score is not allowing you to get money from the bank, don't worry there is help. There is a new wave of loans where you can get loans between $1500 and $15000 deposited to your checking very quickly. If you have... http://www.articlealley.com/article_572203_19.html 09th July 2008 Do you want your credit score to plummet, go ahead and co-sign for someone. I personally believe this is a huge problem. With your credit score and credit report being the roadmap to financial health, the question is can you really afford to co-sign for f... http://www.articlealley.com/article_570182_19.html 06th July 2008 What is all the fuss about paying cash for everything? Isn't that a good thing? If you pay cash for everything doesn't that mean you don't owe anybody? Quite contrary to popular belief this actually hurts you. Let's assume you pay cash for everything and ... http://www.articlealley.com/article_569905_19.html 05th July 2008 Your credit report is not something to be taken lightly these days. It is almost as important as your social security card. There will come a time where your credit report will be required for credit purposes. We see credit reports on a daily basis, and t... http://www.articlealley.com/article_554424_19.html 11th June 2008 To repair bad credit might be a mystery to most, but the process is actually quite simple. With all the bad credit out there, you would think there must be something in the water. I know there are different circumstances that cause people to get into trou... http://www.articlealley.com/article_552918_19.html 09th June 2008 Did you know FHA loans has been around since 1935? That is pretty amazing if you think about it, this type of loan has been around since right after the "Great Depression." Also a added benefit of FHA is that it does not have credit score requirements. Wi... http://www.articlealley.com/article_552222_19.html 06th June 2008 Your credit report is accessible 24/7 on the internet in a few clicks. Equifax just released how the internet is a great resource fore accessing anything about your credit. The internet is amazing in regards to how you can get the information you need to ... http://www.articlealley.com/article_551778_19.html 05th June 2008 Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don't always talk about ut... http://www.articlealley.com/article_549795_19.html 02nd June 2008 Did you know most of the foreclosures taking place now could have been avoided? With all the foreclosures taking place because of adjustable rate mortgages (ARM's), this could have been avoided if the lender had put families in a 30yr fixed mortgage. Duri... http://www.articlealley.com/article_548110_19.html 27th May 2008 The American dream is to own a home someday. We all have this passion deep down in side. Most Americans don't have the money to pay cash, so they turn to lender to assist with the purchase of there first or second home. With all the new guidelines in bank... http://www.articlealley.com/article_547441_19.html 26th May 2008 Your credit report after a bankruptcy will look like a bomb was dropped on it. Your credit score report will be littered with all kinds of derogatory information. Depending on what type of bankruptcy you filed will determine how long it will take to re-es... http://www.articlealley.com/article_547277_19.html 25th May 2008 Credit card debt is a increasing problem in the United States. The credit card companies over the last 10 years have been extending credit to everyone. Yes credit cards are necessary for credit reasons, but it is very easy to over extend yourself real qui... http://www.articlealley.com/article_534735_19.html 11th May 2008 A consumer armed with their 3-1 credit report will save more money than one whom does not have any idea what is on it. Creditors love an uneducated consumer when it comes to borrowing money. Did you know a bank can charge a rate between 1% to 4% differenc... http://www.articlealley.com/article_534008_19.html 08th May 2008 It looks like the government will be getting serious about credit card regulations. The Federal Reserve Board proposed rules to prohibit unfair practices regarding credit cards and overdraft services that would among other provisions, protect consumers fr... http://www.articlealley.com/article_532967_19.html 08th May 2008 Your credit score is everything these days. Maybe you are just one of those individuals that would rather not know what is on your credit report. Let's assume you just got laid off, and now you have to find a job. Guess what employers are doing now, they ... http://www.articlealley.com/article_532043_19.html 08th May 2008 To get collections removed from a credit report there is a process to follow. There is also a big misconception out there that you can get collections removed that you owe. Yes you can get collections removed but there is seasoning requirement in order to... http://www.articlealley.com/article_530904_19.html 07th May 2008 Did you know you can improve your credit rating in 30 days? Most people don't know what to do to get their rating up quickly. There are some tricks you can do to your personal credit report to increase your credit score with ease. In this article I am goi... http://www.articlealley.com/article_527487_19.html 01st May 2008 Good Credit Scores obviously is to pathway to saving money. You are probably asking why, well the answer is on money borrowed. The average American has to borrow money occasionally for different reason. Let's assume you need to buy a car, and you think yo... http://www.articlealley.com/article_527004_19.html 01st May 2008 FHA loans are loans that are insured by (HUD) Housing Urban and Development. FHA loans have been around since the 1930's right after the "Great Depression." This was when 4 out of 10 households owned a home. (FHA) Federal Housing Administration is the sav... http://www.articlealley.com/article_526406_19.html 29th April 2008 Are you wondering if you can get a mortgage with your current Credit Score? I am sure everyone is sick of hearing about the current credit crunch. It is a never ending cycle in the lending industry. The banks loosing up and everything starts to foreclose.... http://www.articlealley.com/article_517186_19.html 14th April 2008 Credit Report Repair is a huge business currently. There are credit repair companies opening up all over the U.S. With all of the credit issues our country faces as a result of foreclosures, high credit card debt, loss of jobs and an economy going into a ... http://www.articlealley.com/article_512793_19.html 08th April 2008 You cannot erase the past credit report issues for usually 7-10 years. With a little work you can rebuild your credit report before all negative information is set to expire. Here is five easy steps to rebuild your credit report. Step 1: Examine the Da... http://www.articlealley.com/article_512246_19.html 07th April 2008 If you have no credit scores due to being new to the credit arena or you have just been a cash person all your life there is hope for you. There is one sure way to get the credit score calculated in about 4 to 5 months. In this article I will talk about h... http://www.articlealley.com/article_509247_19.html 04th April 2008 I was real excited after I went to annualcreditreport and got my free credit report. But to my surprise there were no credit scores. I started asking myself since everyone looks at your credit score shouldn't I know what my scores are? I would assume ther... http://www.articlealley.com/article_507631_19.html 03rd April 2008 A credit inquiry is an item on your credit report that shows with permission a creditor requested your free credit score report. Not all credit inquiries affect your credit score: You may notice when you pull your credit report there are inquiries on ... http://www.articlealley.com/article_507130_19.html 03rd April 2008 Did you think Identity Theft Protection is unnecessary? Well you might want to think again. Dallas based actress Liz Mikel just found out the hard way that someone had stolen her identity and been having a field day. She stars in the NBC show "Friday Nigh... http://www.articlealley.com/article_506501_19.html 03rd April 2008 Secured Credit Cards have many advantages for someone who does not have any credit, or someone with challenged credit. It is hard to do a lot of things without credit cards. In this article I will discuss why you need credit, and if you don't have credit ... http://www.articlealley.com/article_491083_19.html 19th March 2008 The home buying process can be tricky at times. There are definitely some things you need to avoid during this process. I have seen all kinds of nightmares because someone did not listen to their loan officer. I will give some you exactly what not do in t... http://www.articlealley.com/article_490616_19.html 14th March 2008 Checking your free credit score report is probably one of the hottest topics these days. With the average American not being rich, and at times in need of a loan, they need to keep there credit score healthy. There will be situations where someone will ne... http://www.articlealley.com/article_490042_19.html 12th March 2008 Buying a home is the single biggest purchase you will ever make. Surely you want to make sure it s a smooth process. We are a society that likes to touch and feel. Kind of like trying to buy a car, you want to take it for a test spin before you buy. Unfor... http://www.articlealley.com/article_488388_19.html 10th March 2008 Annualcreditreport gives you a credit report free once a year, but they don't give your credit score. I have been a lender for 7 years, and believe me when it comes to getting your loan done everyone looks at credit scores. Your credit score is a bench ma... http://www.articlealley.com/article_487421_19.html 10th March 2008 Bad Credit Reports will affect your children in many ways. First let's start out with the fact that most Americans are blue collar workers. You are working for the system, which is greedy Corporate America. Corporate America does not allow financial freed... http://www.articlealley.com/article_486774_19.html 07th March 2008 I figured bad credit is always a good subject matter since it is so common in the U.S. I have read that the average credit score in the U.S. is 650. I would be curious to see what the average credit score is right now after all these foreclosures and cred... http://www.articlealley.com/article_486100_19.html 06th March 2008 Checking your free credit score regularly will benefit you because your credit changes every 30 days. You are probably asking yourself what do you mean your credit changes every 30 days. Well the creditors you have obligations with re-report your credit s... http://www.articlealley.com/article_485201_19.html 04th March 2008 You are probably thinking how in the world can I get a mortgage while in Bankruptcy? Well guess what you can. In this article I will teach you what to do. Two of the most common bankruptcies among people are Chapter 13 and Chapter 7. Here are there attrib... http://www.articlealley.com/article_473088_19.html 12th February 2008 The FTC claims that Credit Report Repair may be better for you if you do it yourself. You have seen advertisements on TV, local newspapers, internet. All of these credit report repair companies claim the following: * "Credit Problem? No Problem!" * " We... http://www.articlealley.com/article_472034_22.html 11th February 2008 I have seen credit reports get littered with collections, charge offs, foreclosures, late payments, and just a total disregard for obligations during a divorce. We all know divorce can be a bad experience for anyone that is going through it. There are tim... http://www.articlealley.com/article_470241_27.html 07th February 2008