July 2009
New York Bankruptcy Lawyers
Tip! Your credit history will be damaged by bankruptcy; it will appear on your credit report for as long as 10 years.
Bankruptcy is person’s legal declaration of being insolvent. Bankruptcy can be a very difficult, complex and complicated legal p...
June 2009
Bankruptcy Records - A Means to Find Out Who Has Financial Problems
Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court.
Bankruptcy records are a resu...
Bankruptcy Explained
Tip! You will also have to prove how well you make payments. Again, lenders will not focus on your credit payment history ending in bankruptcy but rather on the payments that you have made since your filing.
Whether or not we want it to or mean it to, ...
What Does Credit Score Account For?
Tip! When reviewing your credit report, use the above listed areas of evaluation to help raise your credit score.
Any credit you have will be part of your credit report. This includes credit cards, car loans, mortgages and student loans, etc. T...
April 2009
Advantages of Buying a Home After Bankruptcy
Tip! Your creditors can not change their minds at a later date From the date of approval of your Arrangement all interest and charges are frozen. Unlike bankruptcy there is no advertisement of the IVA in a local paper.
After Bankruptcy is discharged
I...
Credit Score Not Needed In Bad Credit Unsecured Personal Loans
Tip! Pay off debts to improve credit scores.
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People having bad credit always find difficulties in borrowing loans, as the lenders are threatened with the premonition of losing their amount. Even lenders find it tougher to lend those bad credit b...
March 2009
Some Important Bankruptcy Information
Tip! Pay all of your bills on time. Bankruptcy is a means to financial recovery.
It seems as if a lot of people are going bankrupt, if you think about it. A lot of famous people, as well as regular citizens. It is not the end of the world, and you can...
Does Debt Settlement Affect Your Credit Score?
Tip! Make every payment on time. This is the most important factor in your credit score rating.
If you’re buried deep in credit card debt, you probably shouldn’t be asking if debt settlement affects your credit score. Instead, you may want...
Bankruptcy - What Types Are There?
Tip! Get a copy of your credit report. Many times (most times) the credit accounts that are absolved with your bankruptcy are not removed from your credit report immediately.
If you feel your debts are out of control, you might be considering bankrupt...
Credit Card Debt Consolidation Can Improve Your FICO Score
Tip! My credit score will drop if I check my credit - Fortunately, this is a myth. If you check your own credit report it doesn’t harm your credit at all.
Debt consolidation can be an excellent way to enhance your FICO and credit score. In fact...
February 2009
Debt Consolidation Loan: An Effective Tool to Build Your Credit Score
Credit Score: A Definitive Guide. Credit Scoring Techniques Based Directly From The Industry’s Standard Of Credit Scoring. The Score That Lenders Use.
Debt consolidation does indeed give you much financial support. However, if it crosses a limit...
What Does Your Credit Report Say About You
Tip! Send your letter by certified mail, return receipt requested so you can document what the credit reporting agency received. Make sure your letter is dated, and don’t forget to keep copies of everything you send.
Years ago as a youngster I re...
Learn How to Avoid Bankruptcy and Become Debt Free!
Tip! In working towards fully understanding how to file for bankruptcy, if you do make the decision to hire a lawyer, you will need to begin an organized search to find the best attorney to meet your needs. Keep in mind that in this day and age there ...
Repair Credit Score: The First Two Steps To Increasing Your Credit Score By 100 Points
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
Need to repair your credit score? Would you like to increase your credit score by 50 to 100 points? If you answered yes, keep reading because you are about to uncov...
The Free Credit Report Scam
Tip! It is possible that a very old credit records cannot be verified because records may no longer exist after 1 or 2 years on credit report.
Every consumer in America has the right to a free credit report once every year by law as of September 2005. ...
January 2009
Why You Should Apply For A Free Credit Report And What To Do If It Is Bad
Tip! Also if you have been denied credit on the basis of information in a credit report, you are entitled to a free copy of your credit report from the credit bureau that supplied the credit report.
A free credit report is exactly what you need if you ...
California Bankruptcy Laws
Tip! The next step in filing for bankruptcy is to determine exactly what assets you have available to you. Your assets include your recurring income from your job, your home and major items of personal property that you might own (including such items...
How To Get A Free Credit Report With The Best Companies
Tip! Education loans are also sanctioned by colleges, universities, and other institutions based on your credit report. So, if your kids are planning to go to college and qualify in professional courses then their whole future will depend on your havin...
Ways to Raise Your Credit Score Fast
Tip! Obtain a copy of your credit score report from one of the three major credit bureau agencies: Equifax, TransUnion or Experian.
Many people have credit scores that are less than perfect. To date, there are ...
Your Credit Score - Improve It In 5 Easy Steps
Tip! If you have paid off all your debt, and your credit score seems to be at a stand still, you might want to make small purchases each month with your credit card and pay them off immediately. Often times the credit bureaus like to see at least some...
December 2008
Loans After Bankruptcy - 4 Ways On How To Get Approved
Tip! For car loans or mortgage loans after bankruptcy, another important consideration is the down payment. If you have enough funds to put down on a car or a house, then finding a lender will not be a problem at all.
While bankruptcy appears on a cred...
Bankruptcy Lawyers - 4 Important Things To Remember Before You Retain One
Tip! Pay all of your bills on time. Bankruptcy is a means to financial recovery.
Most debtors do not consider hiring a lawyer for the obvious reason that they cannot afford to have one. While a debtor is not required to hire a lawyer, it is recommende...
What Is Bankruptcy Chapter 7 Liquidation?
Tip! After filing for bankruptcy, all of your possessions will be in charge of the trustee.
Bankruptcy liquidation also known as Chapter 7 Bankruptcy is a legal process where most if not all of your debt can be eliminated. It may take up to six months....
Free Credit Report Online - Disadvantages
Tip! Many credit card companies will decide whether or not to issue you a credit card with a high limit based on your credit report. If in doubt they may not issue a card at all or issue a card with a very low limit or risk.
There are just as many disa...
November 2008
Home Equity Loan after Bankruptcy - Should You Use a Prime or Subprime Lender?
Tip! The forth factor that needs to be considered on the road to filing for bankruptcy, is to determine whether you will seek professional assistance in the pursuit of a bankruptcy case. Some people do elect to file for bankruptcy on their own without...
