Posts tagged "Tax lien"

credit history

A growing number of companies having nothing to do with the business of offering credit (such as insurance companies, cellular phone companies, landlords, and affiliates of financial services firms) are now scrutinizing the data on credit reports and using this information to decide whether to do business with a consumer and how much to charge. FACTA, which was enacted on December 4, 2003, amends the FCRA and requires, among other things, that the three nationwide consumer reporting agencies (CRAs) – Equifax, Experian, and Trans Union – provide to consumers, upon request, a free copy of their credit report once every 12 months. Mierzwinski cites a June 2003 report by the Federal Reserve, which suggests that credit card companies may be hurting their customers — and lowering the customers’ credit scores — by withholding certain information from the major credit bureaus. Fair Isaac provides the credit bureaus with software containing an […]

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Posted by Habsburg - January 3, 2015 at 2:01 pm

Categories: Nonsense   Tags: , , ,

credit karma full credit report

Founded in 2007, Credit Karma made a name for itself by offering consumers a free look at their credit score and then layering easy-to-digest information around that data point. Consumers, the company says, can get their credit score free with just a couple of clicks and also get a credit report for the low, low price of $1. The big credit bureaus, including Equifax (EFX) and Experian (EXPN), have been using the lure of a “free” credit report to coax consumers into these subscription services for a long time. These free yearly credit reports can be requested online at AnnualCreditReport.com. But for anyone who thinks a once-a-year check isn’t enough, there’s good news: Credit-monitoring Web site Credit Karma is offering consumers the ability to examine their TransUnion credit report free of charge any time they want. Even though you can get your TransUnion report for free now through Credit Karma […]

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Posted by Habsburg - November 13, 2014 at 10:30 am

Categories: Nonsense   Tags: , , ,

credit report delinquency

Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Sign up today to receive special offers, access valuable information, and get educational resources to help you manage your credit health. The information in the sections below will help you avoid late payments and credit score damage […]

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Posted by Habsburg - October 11, 2014 at 7:17 pm

Categories: Nonsense   Tags: ,

credit karma lexington law

To this day, I have zero outstanding credit card balances and a solid credit score, but I am still dealing with the impact of my poor decisions over 6 years later. Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. There are companies that are experts in getting negative items off your credit report, so if you are a procrastinator (or just hate dealing with financial things), hiring an expert might make sense. A good secured card will have automatic reporting to the 3 major credit bureaus and if you are responsible with it, you can start getting credit line increases beyond what you put down. If you’ve paid off a debt, but it isn’t showing or there’s incorrect information – simply dispute it with […]

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Posted by Habsburg - October 6, 2014 at 2:15 am

Categories: Nonsense   Tags: , , ,

kim kardashian makeup artist

‘Mornings’ crosses to New York to chat with Kim Kardashian’s make-up artist, Mario Dedivanovic. He reveals his best make-up tips and how he keeps Kim looking consistently flawless. *use an angled brush and apply soft strokes of the pigmented wax to shape and define the brow, then take your small blending brush to apply and set the brow zing’s powder to fill in sparse areas and lock the brows into place. To give Kim’s cheeks a touch of color I first applied Blush in Rose by LORAC to the apples of her cheeks. On the hollow of her cheeks I applied a touch of Bronzing Powder in Laguna by NARS to make her cheeks pop with a soft contour. REMEMBER!! It’s very Important to keep up on your skincare regimen to keep its glamour & to help you have a clean smooth look. DON’T FORGET GIRLS!! It’s very Important to […]

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Posted by Habsburg - July 29, 2014 at 2:34 am

Categories: Nonsense   Tags: ,

credit report derogatory

As a result, such accounts may show up on your credit report as being owed to the collection firm rather than your actual lender. Lenders often sell derogatory accounts to debt collection firms that specialize in collecting past-due debts. When you manage your other accounts wisely, you help to raise your credit score. Unsurprisingly, derogatory accounts hurt your credit score. The fact that you paid it may boost your score, but it won’t erase the derogatory account from your credit history. About 30 percent of your credit score is based on the balances you keep on your accounts. Banks are content to get at least something in return for the outstanding debt, while collection firms make money if they manage to collect on even a fraction of the accounts they acquire. These agreements don’t help your credit score because you’re not actually paying off the debt. Credit bureaus calculate your […]

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Posted by Habsburg - July 5, 2014 at 9:45 am

Categories: Nonsense   Tags: , ,

credit history

A growing number of companies having nothing to do with the business of offering credit (such as insurance companies, cellular phone companies, landlords, and affiliates of financial services firms) are now scrutinizing the data on credit reports and using this information to decide whether to do business with a consumer and how much to charge. FACTA, which was enacted on December 4, 2003, amends the FCRA and requires, among other things, that the three nationwide consumer reporting agencies (CRAs) – Equifax, Experian, and Trans Union – provide to consumers, upon request, a free copy of their credit report once every 12 months. Mierzwinski cites a June 2003 report by the Federal Reserve, which suggests that credit card companies may be hurting their customers — and lowering the customers’ credit scores — by withholding certain information from the major credit bureaus. Fair Isaac provides the credit bureaus with software containing an […]

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Posted by Habsburg - June 15, 2014 at 6:59 pm

Categories: Nonsense   Tags: , , ,

how to buy a house for back taxes

Her articles have appeared in popular magazines such as “Parents” and “American Baby.” She earned a Bachelor of Arts in literature from the University of Central Florida. Check the local newspaper and county courthouse for a list of homes scheduled for tax foreclosure. You can search for additional liens yourself by checking county records or opt to pay for a title report. Look for a real estate attorney or title company that can issue a quick, inexpensive report to reveal hidden liens. If a homeowner is unable to pay his property taxes, the county tax collector forecloses the home. The length of time it takes to record and receive the deed varies among counties. After your payment is received, the county recorder will record the tax deed. If you purchase a home with additional liens on the home, such as an unpaid mortgage loan or IRS lien, you may become […]

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Posted by Habsburg - June 10, 2014 at 2:14 am

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credit report irs

Based on the information in your credit report, lenders calculate your credit score so they can assess the risk you pose to them before they decide whether they will give you credit. The information in your credit report is used to calculate your FICO (the acronym stands for Fair, Isaac and Company) score. Free credit reports do not contain your credit score, although you can purchase it when you request your free annual credit report. Find out how to get your free annual credit report and score. A credit report contains information on where you work and live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Your credit report is based on the bills payments you have missed or been late paying, loans that you have paid off, plus your current amount of debt. (This free report does not count as your annual […]

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Posted by Habsburg - June 7, 2014 at 1:54 am

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credit report changes

Today, if you challenge information with the credit reporting agencies, they are required to perform a reasonable investigation, which almost always includes them going back to the lender or collector and asking them to confirm that what they’re reporting is accurate. Maxine Waters (D-CA) has introduced a bill in the House called the Fair Credit Reporting Improvement Act of 2014. The act would require that bankruptcies be removed from a consumer’s credit report in seven years, and all other derogatory entries be removed after four years. Further, credit scoring systems would have to treat all auto, mortgage, and student loan credit inquiries that occur within 120 days of each other as a single inquiry in the consumer’s score. That means if you settled your defaulted credit card debt or disposed of your home via a short sale, the item would be removed 45 days after the item was updated to […]

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Posted by Habsburg - May 30, 2014 at 11:30 pm

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