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22nd September 2009
The Fair Housing Act, developed in 1968, is a legal policy that abhors prevention and prohibition on any discrimination for the sale, rent and financing of a housing property, by the owners of the housing and direct providers. These, such as real estate o... Read >
Author: Mary D.16th September 2009
If you’re denied a loan or credit card because you have no credit history, consider establishing one. The best way is to apply for a small line of credit from your bank or a credit card from a local department store. Make sure you list your best financi... Read >
Author: wbdoyle16th September 2009
Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit Report.
It can make a difference of up to 18% in loan repayment costs.
For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, ... Read >
Author: wbdoyle15th September 2009
If you’re an older consumer who has paid with cash all your life, you may find it difficult to open a credit account. That’s because you have “no credit history” of how you paid on credit. If your income has decreased, you may find it harder to ge... Read >
Author: wbdoyle15th September 2009
The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn’t mean all consumers who apply for credit get it: Factors such as income, expenses, debt, and credit history are considerations for... Read >
Author: wbdoyle15th September 2009
Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit Report
It can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-... Read >
Author: wbdoyle11th September 2009
Many of us wonder even if it is this legal to do so. Well, YES, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Disputing items... Read >
08th August 2009
Over the course of the last year, federal laws regarding loan modifications have changed radically. Between the end of George W. Bush’s presidency and Barak Obama’s new administration, federal laws have opened new opportunities for homeowners to ave... Read >
Author: Loan Modification Help Center02nd July 2009
When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. There are many mortgage lenders out their. They will all have something different. Your local newspaper and the Internet are good places to start ... Read >
Author: Robert Bell06th June 2009
The number of federal laws ostensibly designed to protect homeowners and borrowers from predatory or discriminatory lending is mind boggling. With the dozens of laws in place that were supposed to protect people buying homes and regulate the financial ind... Read >
Author: Nick Adama06th May 2009
Lenders who provide mortgage loans on a discriminatory basis may face liability under the Equal Credit Opportunity Act, which prohibits discrimination in credit. The Equal Credit Opportunity Act (ECOA) prohibits a wide array of discriminatory lending on t... Read >
Author: Nick Adama05th May 2009
In the United States, more credit scores means higher opportunities. You are considered lucky if you obtain and maintain high credit scores compared to those who have incurred no credits at all. It is a popular belief that having high credit scores denote... Read >
Author: Juliet Sadler22nd April 2009
FTC Commission was established in 1915 and is headquartered in Washington, D.C. It is headed by five commissioners. This agency was set up to sue businesses who did false advertising and unfair business practices. Numerous measures are undertaken to ensur... Read >
Author: sheldonkalnitsky13th August 2008
What Creditors Look For?
The Three Cs. Creditors look for an ability to repay debt and a willingness to do so and sometimes for a little extra security to protect their loans. They speak of the three Cs of credit: capacity, character, and collateral.
... Read >
Author: World Peace14th July 2008
Building a good credit standing is not easy after a record of financial loss and bad credit experiences. Usually, having an unpleasant credit history cannot be hidden. In fact, it is the very basis why loan providers will approve or disapprove your curren... Read >
Author: rickcrosby01@gmail.com07th July 2008
Under the terms of the Equal Credit Opportunity Act all lenders are required to apply the same credit standards to all customers regardless of race, gender, marital status, religion, national origin, age and several other criteria. The Act does not give a... Read >
Author: Donald Saunders13th June 2008
One of the consequences of experiencing bankruptcy, foreclosure, and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice but ... Read >
Author: articlelink01@gmail.com13th June 2008
Building a good credit standing is not easy after a record of financial loss and bad credit experiences. Usually, having an unpleasant credit history cannot be hidden. In fact, it is the very basis why loan providers will approve or disapprove your curr... Read >
Author: articlelink01@gmail.com13th June 2008
One of the consequences of experiencing bankruptcy, foreclosure, and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice bu... Read >
Author: articlelink01@gmail.com19th March 2008
Building a good credit standing is not easy after a record of financial loss and bad credit experiences. Usually, having an unpleasant credit history cannot be hidden. In fact, it is the very basis why loan providers will approve or disapprove your curren... Read >
Author: articlemarketing01@gmail.com17th March 2008
One of the consequences of experiencing bankruptcy, foreclosure, and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice but ... Read >
Author: articlemarketing01@gmail.com17th March 2008
Building a good credit standing is not easy after a record of financial loss and bad credit experiences. Usually, having an unpleasant credit history cannot be hidden. In fact, it is the very basis why loan providers will approve or disapprove your curren... Read >
Author: articlemarketing01@gmail.com14th March 2008
One of the consequences of experiencing bankruptcy, foreclosure and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice but t... Read >
Author: articlemarketing01@gmail.com13th August 2007
Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit applica... Read >
Author: fdg24th July 2007
A mortgage—whether a first mortgage for a home purchase or a second mortgage for debt consolidation—is a financial product in a competitive market. There are over 19,000 mortgage lenders in the U.S., and there can be variations among them when it come... Read >
Author: Mike Hamel29th June 2007
The laws that deal with discrimination in Real Estate date back to the years right after the American Civil War. These discrimination laws apply to Real Estate investors also.
The American Civil Rights Act of 1866 prohibited discrimination in the renta... Read >
Author: Barry Waxler08th June 2007
Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit applica... Read >
Author: Sean Matteson03rd January 2007
There is a command called the Equal Credit Opportunity Act (ECOA) which watches out for discrimination on:
- Race
- Sex
- Marital status
- Religion
- Age
- National origin
Creditors have the right to ask for this information but not to use it aga... Read >
Author: Martin Rogers30th December 2006
According to the Federal Trade Commission - you see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services.
Do yo... Read >
Author: Michael Saunders17th November 2006
Equal and unequal consumer credit opportunities:
Consumer credit and its necessity:
Every individual requires credit for better lifestyle, purchasing a house, starting a business, re modeling an existing home etc. as all these depends upon credit. T... Read >
Author: Sayan Potter20th January 2006
A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in "second position" on a property that already has a mortgage. There are fixed-rate loans, adjustable-ra... Read >
Author: Mike Hamel
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