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Credit cards

Your Credit Report May Be Under Surveillance as November 30 Approaches

September 21, 2009

Are you trying to close your mortgage loan before November 30, 2009 to qualify for the first time home buyer tax credit?
Did your mortgage consultant warn you about your credit and your credit score?  You can bet your loan that lenders will pull your credit report again before you close that loan.  If anything wacky [...]

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Avoid Identity Theft by Keeping Watch on Your Credit and Personal Info

August 31, 2009

Identity theft seems to grow geometrically by the day.  Much of the problem with identity theft is caused by all the various requests for our personal information that are supposedly going to protect us from fraud.   So let’s get this straight.   Company A wants to look at and copy all my information to be certain [...]

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Good Credit Isn’t Rocket Science

May 17, 2009

Your FICO credit score  is the single biggest factor in determining whether you get the best rates for mortgages, loans and credit cards.  This score gives lenders an idea of how well you pay bills, live within your means and manage your debt.
If your score is 740 or above, you’ll get the best rates. Below [...]

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9 Things You Must NEVER Do While You Wait For Your Loan To Close

May 16, 2009

After you apply for a mortgage and you’re told you have been pre-approved, don’t think it’s all smooth sailing to the closing table.  Because YOU might do something to foul things up.  Happens a lot, especially if you were not warned by your loan officer.
Even if you were pre-approved at the beginning, the mortgage approval [...]

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Urgent Warning for American Express Cardholders

May 13, 2009

This is quick and most interesting reading.  More on the AMEX saga.  More that’s hard to believe. 
American Express recently made an announcement of new terms effective  April 2, 2009.  Goes like this: For personal AMEX cards issued in the USA,  in order to obtain or retain an AMEX card, you will have to “agree” that AMEX has your [...]

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