What's In Your Wallet - Hopefully, Debt Free Credit Cards
Improving ones credit score is one of the few areas of life where doing nothing can be tremendously productive. Once the items causing negative impact on the credit report have ended, the simple passing of time does wonders for one’s credit score. While the advantage of improving your score with the passing of time comes in the form of non-existent effort, the disadvantage comes in that time must take its own course. Even those with the best of credit cannot buy more time or speed the passing of time. Generally the date used to trigger the passing of time in this context starts with the date of the last activity of the account. Interpretation and misuse of this rule accounts for many reporting errors. For example if a person last made a payment on a charge card in 1995 and in 1999 a new entity buys the account and begins to report it the new entity the credit reporting bureaus may treat the initial reporting as the date of the new entity. But in reality the date of the last activity of the debtor’s point of view came in 1995 with the last payment. “Last activity” for purposes of credit reporting means the debtor’s last activity, otherwise by re-selling accounts or re-generating some new phantom activity the creditors reporting can be extended in perpetuity. To maintain the accuracy of records that should be dropped from account through passage of time, usually seven years as I referred to earlier, individuals should know the exact date of the last activity and have records for proof.
What's In Your Wallet - Hopefully, Debt Free Credit Cards
He was a long-time Capital One customer with excellent credit and he resented the bank treating him like a bum. When I called Capital One, which is among the largest credit-card issuers in the nation, the company said it was raising ...
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A “Sour Sixteen” Thoughts on the Real Estate Markets
Capital One (closing Greenpoint), Countrywide (layoffs), Accredited, HSBC’s US mortgage unit, and more. Who has lost money? Who has decided to pony up more? Carlyle ponies up, Bank of China, speculators including Annaly, and many others ...
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Late August Linkfest: Week-in-Review
Bank of America Corp. and Capital One Financial Corp. recently raised fees and interest rates for some of their credit-card customers. And this month, Citigroup Inc.'s CitiFinancial Auto started charging higher auto-loan rates for ...
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Paper Losses
The recent problems stem from a different brand of paper, backed not by the good name of a big company, but by assets, such as mortgages or credit-card receivables. Mostly held off-balance-sheet by bank-sponsored "conduits", ...
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ATM and Credit Card fees during foreign travel
Seventh, pay off what you owe on the credit card as soon as you are back home. No need to replace the bank fees with interest payments! My own solution to the fourth bullet point was a Money Market account at CapitalOne. ...
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Dealwatch: Subprime meltdown
The company's CFO Gary Perlin points out in a Forbes article that Capital One has $25 billion of highly liquid securities, some of which come from its acquisitions of North Fork and Hibernia and $9 billion of "AAA" credit card funding ...
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Late August Linkfest: Week-in-Preview
Who ever files first (Credit card, auto finance, doctors, etc.) has first priority. That makes the mortgage loan itself unsecuritized -- and worth a lot less -- due to the increased risk of loss of collateral. ...
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Credit card scam!
Needless to say, I called Capital One and their fraud unit had already put a "hold" on my card and it doesn't appear much damage was done. Moral of the story, reserve just one credit card for Internet purchases. ...
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What's In Your Wallet - Hopefully, Debt Free Credit Cards
Along with the information, the local credit reporting company receives a numerical score. The score represents a composite of the borrower's credit history, employment, ability to save, and so on. The most famous of these scores is known as the FICO score, which was a model developed by the Fair-Isaacs Company a number of years ago. It is believed that the Beacon and TransUnion scores are really scoring information provided by the Fair-Isaacs Company, but have been tweaked somewhat by the other bureaus. That is partly true, but what most people don't know is that, with information streaming into their credit file almost everyday, the scores can change daily. That is why someone can apply for a mortgage with one company today and have a FICO score of, say, 717, and apply with another lender a week later and that score can be higher or lower, depending on the information received at the repositories in the interim.
Related keywords: credit free kit repair, improve credit history, self help credit repair
More articles:
Crunching the Credit Crunch
Credit Repair: Beyond the Fair Credit Reporting Act (Benton Evening News)
Woman pleads guilty to stealing from employer (Baltimore Examiner)
How to reestablish credit.
Step-by-step guide to better credit (Orange County Register)