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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 [...]

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 [...]

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 [...]

Welcome to the Carnival of Credit Report Stories

November 10th, 2008 — , Carnivals, Credit Cards, News, andrea smith, conventional mortgages, credit, credit debt, credit score, credit scores, debt, debt loan, e book, economy, experience change, fico score, financial consideration, financial goals, first premier, free debt consolidation, great depression, money tips, new parents, newborn baby, personal finance, rebuilding your credit, working in singapore, worthwhile articles from Rich Leverage @ Rich Credit Debt Loan

Welcome to the November 10, 2008 edition of credit report stories!
Rich Credit Debt Loan is happy to host the latest edition of the Credit Report Stories carnival. We hope you enjoy the posts and find many worthwhile articles. Below are our editorial picks:
Credit Karma presents Balance Needed As Credit Card Rules Experience Change posted at [...]

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 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 [...]

Rent or Own - What’s Best Right Now?

November 3rd, 2008 — , credit scores, enough money, facing foreclosure, first time buyers, good time, home loan, housing market, improvements, landlords, leap, money, personal finance, ra, real estate, risk, selling your home, slim to none from Rich Leverage @ Rich Credit Debt Loan

The housing market has many people concerned right now and one of the most popular questions is whether or not this is a good time to buy a home. Unfortunately, there is no clear cut answer to this question, and each individual’s financial state will determine the answer. However, there are a few guidelines you [...]

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 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 [...]

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 [...]

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 [...]

Credit Scores and the Economy

October 20th, 2008 — , Credit Cards, credit, credit card account, credit card bills, credit counseling, credit counselors, credit karma, credit score, credit scores, creditors, double whammy, economy, interest rate, loans, personal finance, population, reins, score level, starters from Credit Karma @ Credit Karma

Because the economy is sinking, we are finding that credit scores are rising significantly in their importance. In today’s apparently struggling economy, creditors are tightening the reins when it comes to how they lend. This is leaving many people to wonder if their credit is still good enough to seek the lending that they need [...]

Roundup: Improving Your Credit Score and Wall Street

October 19th, 2008 — , Yahoo, cnn, cnn money, confidence, credit karma, credit news, credit scores, economy, forbes, great news, improving your credit, improving your credit score, karma, new york times, rebound, roundup, time credit, wall street, wall street journal from Credit Karma @ Credit Karma

This week focuses heavily on improving your credit score. Credit Karma got some great news which you can learn below. Don’t forget to check out the other categories.
National Credit News:

FT writes US injection lifts confidence.
Forbes says Fed: [...]

4 Quick Fixes For Your Credit Score

October 16th, 2008 — , Credit Cards, collection accounts, collections agency, credit karma, credit report, credit reporting agencies, credit score, credit scores, definite plan, due balances, high score, initial step, little time, monitoring service, personal finance, progress step, six months, time step from Credit Karma @ Credit Karma

If you are trying to get your credit score fixed as quickly as possible, there are a few techniques that you can use that will dramatically impact it in very little time. These methods will work best for those that have a low score, but many will also impact a medium to high score as [...]

How Will the Housing Crisis Affect You?

October 13th, 2008 — , Credit Crunch, appraisals, arm mortgages, bad news, credit karma, credit scores, down payments, few days, getting a loan, good time, home buyers, home loan, home values, housing, improvements, interest rates, loans, negative equity, prime candidates, rate increases, rising interest rates, saving money, selling a home, threshold from Credit Karma @ Credit Karma

Housing prices are continuing their downward trek, and many consumers are facing negative equity and wondering just how bad things are going to affect them. Whether you’re trying to buy, sell or just maintain a home, the credit crunch may have some affect on you. Let’s take a look at what many people are currently [...]

Roundup - Credit Crisis and Business Credit

October 12th, 2008 — , Credit Crunch, american banker, attracting capital, business week, cnn, cnn money, consumerist, credi, credit crisis, credit karma, credit news, credit scores, debt repair, downward slide, establishing business credit, how to improve your credit score, kiplinger, money talks, nyt, roundup, smart money, wall street journal from Credit Karma @ Credit Karma

You can find lots of news focusing on the Wall Street Crisis every time you turn around. We’ve provided some links to some news articles we found interesting.
Be sure to check out our other sections in this roundup for information on credit scores, credit cards, and Credit Karma in the news.
National Credit News:

Business [...]

Do You Really Need Credit Cards?

October 7th, 2008 — , Bad debt, Credit Cards, Free Money, credit card credit, credit history, credit karma, credit score, credit scores, debt burdens, debt limits, economy, interest rates, many different ways, minimum balance, personal finance, six months, store credit cards from Credit Karma @ Credit Karma

Given the state of the economy and the rising debt burdens of millions of Americans, many people are left wondering whether they really need credit cards. The answer to this question lies in how well you can manage your money and whether or not you are prone to overspending. Let’s take a look at some [...]

Bad Credit Means Paying More For iPhones and Cellphones

October 6th, 2008 — , Equifax, Experian, apple store, bad credit, cellphone, cingular, consumers, credit bureau, credit karma, credit report, credit reports, credit score, credit scores, credit standards, extra money, iphone, much money, phone mail, premium price, privilege, trans union, true credit from Credit Karma @ Credit Karma

As demand picks up for the iPhone, many consumers are finding that they are having to pay a premium price in order to get their hands on one. According to Nick Starr, those with bad credit may have to pay up to an additional $750 just for the privilege of owning one [...]

5 Steps to Get Your Credit Ready To Buy a Home

October 3rd, 2008 — , banks, better your chances, buying a home, credit bureaus, credit card, credit karma, credit rating, credit report, credit score, credit scores, credit worthiness, determinant, detriment, doors, home loan, loans, mail, personal finance, s market, six months from Credit Karma @ Credit Karma

If you are thinking about buying a home in today’s market, it’s never been more important to make sure that your credit rating is going to be sufficient. Banks are closing their doors to many that are deemed to risky, and if you want to get an approval for your loan, you will need to [...]

What Does a Credit Score Really Mean?

October 1st, 2008 — , acceptable level, cellular phone plans, credit reports, credit score, credit scores, credit scoring, current state, debts, detriment, economic climate, getting a loan, high risk, high score, interest rates, many other services, many things, moderate risk, personal finance, phone bills, potential trouble, risk case, trouble signs from Credit Karma @ Credit Karma

Out of all of the credit related terms consumers have to deal with, a credit score may be one of the least understood. Credit scoring is a standard developed to help companies and banks determine overall risk. Your credit is important. A low score is considered to be a bad thing, while a high score, [...]

The Importance of Knowing What Is In Your Credit Report

September 30th, 2008 — , Credit Cards, banks, cellular phone, credit monitoring service, credit report, credit score, credit scores, frequent basis, interest rates, landlord, major credit bureaus, necessary steps, personal finance, proactive, risk, three major credit bureaus from Credit Karma @ Credit Karma

Many of us go through life, blissfully unaware of what is going on in our credit reports. We pay our bills on time, at least most of the time, and open up new credit cards whenever we feel like it. In fact, you may never really know just how bad your credit is until you [...]

Is The State of Your Credit Forcing You to Spend More Money?

September 29th, 2008 — , 163, 30 year fixed rate, bad credit, banks, consumers, credit history, credit score, credit scores, creditors, different ways, exact loan, fixed rate loan, interest rates, loans, money, perfect time, personal finance, poor credit, rewards, risk, same time period from Credit Karma @ Credit Karma

Many of us don’t realize just how much of an impact our credit scores can have on our finances. What triggers change in your credit scores? Well, if you have had difficulty paying your bills in the past, or you have not done much work to build up your credit history, chances are your score [...]

Offtopic.com Q&A

September 3rd, 2008 — , Credit Questions, FAQ, Q&A, credit scores, personal finance from Kenneth Lin @ Credit Karma

With all the great discussion going on at forums.offtopic.com, I thought I would take a minute to consolidate some popular questions and answer them in a centralized location. The quick disclaimer is that these answer are based on my 10+ years in credit and finance but they are still my personal thoughts.
Q. I don’t understand [...]

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