Credit Karma — P2P No Bank

Are You Financially Prepared for Disaster?

November 20th, 2008 — , Financial Emergencies, Lenders, auto repairs, credit card, credit score, credit scores, disasters, emergency fund, emergency funds, emergency home repairs, emergency loan, enough money, financial disaster, financial preparedness, financial stability, hurricane, loans, losing your job, mortgage, natural disaster, personal finance, rainy day fund, tank, thousands of dollars from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Are you financially prepared for disaster? Answering this question may not be as easy as it seems, because there are a lot of different considerations that go into preparing yourself for one of many different disasters that can occur. For example, are you financially prepared to handle a natural disaster like a floor or a [...]

Is a Recession Really On the Way?

November 19th, 2008 — , bailout, consumer spending, credit karma, economic trouble, financial analysts, foreclosures, great depression, guidepost, holiday season, home loans, housing market, incentives, leaves, new home buyers, new homes, one question, recession, stock market, tax revenues, vicious cycle, warning signs from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

After the failed bailout measure and the subsequent tanking of the stock market, concern grew over whether or not a recession is really on the way. For those who remember the 1974 economic tumble, the signs are eerily familiar and disturbing that we may in fact be going down that road again. Let’s take a [...]

Tips for Students and Credit Repair

November 18th, 2008 — , College Students and Money, Credit Cards, Lenders, car loans, college students, credit, credit card debt, credit card debt reduction, credit card payment, credit history, credit karma, credit report, credit reports, credit score, credit scores, credit worthiness, debt reduction services, financial obligations, financial trouble, hassle, home loans, inquiries, mistake, payment history, personal finance from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

There are stories all over America right now that are talking about college students finding themselves in severe debt. These students find it impossible to tell their parents and are overwhelmed. They are completely unaware of the fact that there ways to come back from debt and bad credit. Rather than seek help, they simply [...]

0% Interest Rate Credit Cards for the Holidays

November 17th, 2008 — , 0 introductory apr, 12 months, College Students and Money, Credit Cards, american express, american express gift cards, bonus, budgeting, cash back program, chase platinum visa card, consumers, credit cards with 0 apr, credit karma, credit scores, creditcards, economy, freedom, holiday season, holiday shopping, kind american, loans, personal finance, platinum visa card, rewards program from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

The peak holiday shopping period is right around the corner. In a tough economy, any saving is a nice bonus so we compiled a list credit cards with 0% APR for 6 or 12 months on new purchases to help consumers stretch their Holiday shopping dollars. Combined with the 0% APR, the rewards and cash [...]

Roundup: The Economy and Holiday Shopping

November 16th, 2008 — , Credit Crunch, american banker, balance transfer credit cards, cnn, cnn money, consumerist, credit card debt, credit cards debt, credit karma, credit news, debt consolidation, financial waters, free christmas, happy rock, irs tax, la times, layaway plan, new car financing, personal finance, roundup, wal mart, wall street journal from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Another edition of Credit Karma’s roundup is ready for reading. Below you’ll find links to blog and news articles on the economy, credit scores, credit cards, debt, and Credit Karma. Thrown in are some links for Holiday shopping for those looking to navigate this season’s financial waters.
National Credit News:

Credit crunch? [...]

Five Tips to Help You Ride Out the Credit Crunch

November 14th, 2008 — , Credit Crunch, american consumers, bad debts, checkbook, credit karma, credit score, credit scores, debt, disaster, diversification, downsizing, economic crisis, emergency fund, emergency loan, five tv, least three months, little bit, paycheck, personal finance, possessions, proactive measures, ready source, satellite television, two cars from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

If you are worried about your financial state in the current credit crunch, there are a few steps that you can take to ensure that your money is safe. Instead of passively worrying about disaster striking, you’ll be taking proactive measures that could pay off if the economy worsens. Here are five great tips to [...]

What is a Good Credit Score?

November 13th, 2008 — , Lenders, car loan, cars, credit, credit karma, credit report, credit score, credit scores, department store credit, home repair loan, interest rates, loans, medical bills, money, percentage rates, personal finance, store credit cards, what is considered good credit from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Most people know what a credit score is, but not really what it means or is all about. What qualifies as a good credit score? Some people consider a good credit score to be 720+, but this is classified as above average credit, or “very good credit”. Most people do not have a credit score [...]

Should You Pay Down Your Debts?

November 12th, 2008 — , banks, cards, consumers, credit karma, credit report, credit score, credit scores, debt, debts, increments, interest rates, money, monitoring service, mortgage, naught, open accounts, personal finance, personal loan, risk, scenarios, struggle from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

One of the biggest issues that many consumers face is figuring out how much debt they should be carrying. As Americans struggle with mounting debts, the focus has shifted towards paying them down and getting them under control. While there are many benefits to paying off your debt, there are a few things to keep [...]

Credit Crunch has Deep Impact on Holiday Shopping

November 11th, 2008 — , Credit Cards, Credit Crunch, In the News, budgeting, cash alternatives, checkout systems, consumer spending, consumers, credit, credit karma, damper, economy, fourth quarter, holiday season, holiday shopping, holiday spending, improved control, index results, merchants, payment options, quarterly survey, respondents, shoppers, shopping, three months, ugly head from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

The impact of the credit crunch is already rearing its ugly head as far as holiday shopping is concerned, because projected consumer spending online is remaining steady at $100 to $250 dollars on average. According to the eBillme Online Spending Index, a quarterly survey that is designed to examine online spending by consumers, the credit [...]

Roundup - The President Edition

November 9th, 2008 — , american banker, bank survey, card debt consolidation, christian science monitor, credit card debt, credit card debt consolidation, credit karma, credit news, debit cards, debt financing, debt money, election president, fico credit score, geezeo, news new york, personal finance, president elect, reading pleasure, roundup, smart life, sun news myrtle beach, wall street journal from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Credit Karma welcomes our new president. This years election brought out a lot of voters to the polls. Congratulations on winning the election President-Elect Obama, we hope your next four years in office exceed your expectations.
While voting was going on so was a lot of news on the economy and credit. Below are several links [...]

There is Still Money Available for Lending

November 7th, 2008 — , Credit Crunch, In the News, Lenders, bank and trust, bank statements, credit, credit scores, debt to income ratio, economy, federal housing administration, home mortgage, housing, lending institutions, loan applicants, loans, mortgage applications, payroll stubs, poor credit score, reins, score two, thresholds, twelve months, vegas valley, wells fargo, wells fargo bank from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

There is still money available to be lent out, but in order to get it, people buying homes and businesses must have good credit or plenty of equity. Despite all of the talk surrounding the credit market which is supposedly completely frozen, it is still possible for consumers to pick up big ticket loans all [...]

Credit Crunch Negatively Impacts Buyers of Detroit 3

November 6th, 2008 — , Automobile, Car, Credit Crunch, asian markets, automaker, cash purchases, chevrolet dodge, credit, credit customers, credit karma, credit situation, detroit automakers, domestics, economy, gas price, headwind, intense challenges, median household income, pickup trucks, price fluctuations, price tags, rapid decline, retail market, share performance, united states market from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Only 42 % of United States consumers who purchased a new car or a new truck during the past 90 days chose one that was made by Detroit companies, which is a grand decrease from 47 % a year ago. This is a rapid decline that was more than likely aggravated not only by the [...]

Balance Needed As Credit Card Rules Experience Change

November 5th, 2008 — , 50 million, Credit Cards, american consumers, balance transfer, balance transfers, credit card balances, credit card debt, credit card holders, credit card offers, credit karma, debt, federal reserve, forty years, gasoline, life preservers, personal finance, rapid pace, real incomes, status symbol, teaser rates, trillion, wallet, worldwide financial crisis from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Over the past forty years or so, credit cards have taken a place as fixtures in the average American consumer’s wallet. Unfortunately, with the worldwide financial crisis along with increased pressure for regulation in Washington, the lending system is beginning to see reshaping in ways that is making credit not only harder to get, but [...]

Credit Crunch Pushes Consumers to Overcome Debt

November 4th, 2008 — , Credit Crunch, In the News, Lenders, automobile repairs, consumers, credit, credit counselors, credit karma, credit markets, credit report, credit risk, credit scores, debt, debt levels, debt trap, debts, economy, expenditures, home repairs, mortgage refinances, period of time, personal finance, plan of attack, poor credit score, stable life, workable strategy from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

There are many consumers out there that want to get out of debt and become homeowners, either for the first time, or once again. But before these people can qualify for the lending that they need, they absolutely must find ways to raise their credit scores. In order to raise a credit score, these consumers [...]

Bad Economy Hits Credit Card Companies and Consumer Credit Scores

November 3rd, 2008 — , Financial, Get A Loan, Misc from Credit Karma @ Prosper Blog: Prosper, the online marketplace for people-to-people lending

In anticipation of the downturn in the economy, many credit card companies are reducing credit lines, denying more credit card applications, and increasing interest rates. For example, in the coming weeks America Express is raising interest rates 2-3 point in anticipation of higher charge-off in a bad economy. At Credit Karma, where we monitor over [...]

Roundup: Day of the Dead

November 2nd, 2008 — , american banker, bad credit debt consolidation, boise idaho, consumer commentary, credit card debt, credit card nightmare, credit card scams, credit karma, credit news, credit score, debt money, fico score, great depression, honest advice, money tips, newsday, play with words, press democrat, press republican, roundup, secured cards, wall street journal from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

There is much to read in this edition about the economy and credit. The photo for this edition was chosen because of the news headlines of a shrinking economy. We hope you appreciate the play with words and photos. Have a great weekend - we’ll see you for a new week of posts starting tomorrow.
National [...]

Credit Crunch Affecting Car Dealers

October 31st, 2008 — , Automobile, Car, Lenders, auto dealerships, auto makers, banks, car dealerships, consumers shop, credit, credit scores, current state, economy, inventories, loans, local auto, new car loan, personal finance, poor credit, profits, purchasing a new car, special offers, tips for buying a car from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Because of the problems facing our economy, most consumers are finding it difficult to obtain the lending that they need for things like purchasing a new car. However, what consumers are failing to understand is that the auto makers and car dealerships are experiencing the exact same issues relating to the economy, and are just [...]

What Consumers Can Learn From the Bank Crisis

October 30th, 2008 — , In the News, bank crisis, banking, bellwether, business tycoons, credit karma, driving force, economists, economy, entire world, financial crisis, financial storm, financial turmoil, global economy, learning experience, lehman brothers, luxury home, luxury yachts, no doubt, personal finance, superpower, true influence, unprecedented level, wall street bubble, world economy from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

The financial turmoil that our economy is currently experiencing is regarded as an unprecedented level of turmoil. According to a United States Historian named Steph Friesier, “The time of wielding wealth is over.” What many people do not realize is that there is a lot that consumers can take away from this bank crisis that [...]

Is There a Plus Side to the Credit Crunch?

October 29th, 2008 — , Credit Crunch, amount of money, bets, certificates of deposit, consumers, credit karma, decisions, economic climate, economic times, economy, gloomy forecasts, great time, investing in cds, midst, personal finance, portfolio, right direction, rising interest rates, risk, smart investors, turmoil from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Although the words credit crunch and gloomy forecasts on the state of the economy are generally perceived as being negative, for many people, there is a plus side. In the midst of all of this turmoil, there are some bright spots to be found and smart investors will know how to take advantage of this [...]

What is the Biggest Obstacle For Your Credit Score?

October 28th, 2008 — , Credit Cards, car loan, credit karma, credit rating, credit score, credit scores, creditors, debt, debts, declaring bankruptcy, family member, getting a loan, money, obstacles, overwhelming problem, personal finance, second job, setting up a budget, seven years from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

If you are struggling with a low credit score and can’t seem to make any progress, it is important to identify what obstacles you are facing. Once you have this in hand, you can start to make changes that will help you get your credit rating back on track. Here is a brief guide to [...]

EU Leaders are Lending Their Endorsement to a Continent-Wide Bailout Plan

October 28th, 2008 — , In the News, bailout plan, banking, banking industry, banking institutions, british prime minister, buying shares, credit karma, diplomats, dollar plan, economy, emergency aid, euro 1, finance minister, financial institutions, financial meltdown, financial sector, global financial crisis, gordon brown, interbank, jacek rostowski, national banks, personal promise, summit talks from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

EU leaders have recently endorsed a Euro 1.7 trillion dollar ($2.3 trillion) continent-wide emergency bailout plan for the banking industry during summit talks that occurred on Wednesday, then turned their debate to other measures that would prevent global financial crisis from completely stalling the entire continent’s economy. Numerous EU officials and diplomats including Polish Finance [...]

Do You Need a Debt Wake-Up Call?

October 27th, 2008 — , Credit Crunch, applying for credit cards, catastrophes, credit karma, current state, debt, economy, financial health, financial outlook, financial panic, financial success, gallup polls, health and wellbeing, keeping up with the joneses, perfect time, personal budget, personal debt, personal economy, personal finance, rainy day, summer vacations, wake up call, whims from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

The economy is in turmoil right now, and Gallup polls are suggesting that 90 percent of U.S. citizens are dissatisfied with the current state of the economy. Is it time for a personal debt wake up call? There is not a whole lot that you can do as an individual consumer to solve the country’s [...]

Roundup: Credit Credit Credit

October 26th, 2008 — , Credit Crunch, blogosphere, business week, cnbc, cnn, cnn money, credit crisis, credit karma, credit news, credit scores, forbes, freecreditreport com, improving your credit, journal business, money experts, roundup, slowdown, smart money, sun sentinel, wall street journal from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

This week’s roundup takes a look into the blogosphere on credit cards and credit scores. There’s a bit on debt and the national credit crisis for those looking into those subjects. It’s important to keep yourself well informed of what is going on in the economy. We hope you enjoy the edition - drop us [...]

Recession Proofing Your Life

October 24th, 2008 — , In the News, american citizens, bottom line, budget, buzzword, career, credit karma, debt, downturn, economy, emergency fund, financial health, good reason, guarantees, losses, meeting your needs, occurrence, part time work, personal finance, profession, real money, recession proof, second job, stock market, turbulence, unnecessary expenses from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Right now there is a lot of talk about a recession. The financial buzzword that is out there this month is “Recession” and for good reason. It has become increasingly vital that as American citizens, we begin to understand how we can properly safeguard ourselves against the risk of a potential downturn in the economy. [...]

Protecting Your Credit Score in the Credit Crunch

October 23rd, 2008 — , Credit Cards, Credit Crunch, Lenders, card holder, credit, credit borrowers, credit card issuer, credit card issuers, credit karma, credit score, credit scores, creditors, delinquency, economic turmoil, good graces, grace period, grace periods, housing market, interest rate, late payments, negative impact, personal finance, protecting your credit, scrutiny, three credit bureaus from Credit Karma @ Credit and Personal Finance Blog | Credit Karma

Protecting your credit score during the credit crunch is absolutely vital if you want to get through this period of economic turmoil alive. Credit card issuers are beginning to feel increasingly skittish regarding risky credit borrowers because debt and card holder delinquency are greatly increasingly, and because the housing market and job market are both [...]

Is This a Good Time to Invest?

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