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Credit Counseling – Congress Offers No Details in New Law
The recently passed Bankruptcy Abuse and Consumer Protection Act was hailed as a breakthrough in bankruptcy law. Passed with bipartisan support in Congress and signed enthusiastically by President Bush, the law creates sweeping changes in debt law and ...
Credit Report and Credit Scores
The information on your credit report can greatly affect the interest rate and your ability to obtain a loan. So it’s very important to check your credit report early, even if you are not quite ready to buy a house just yet.There are 3 major credit ...
Homeownership Is Still Possible With A Flawed Credit History
Besides lack of a down payment, bad credit is one of the biggest obstacles to homeownership. However, just because you have blemishes on your credit doesn't mean that it has to be a dream deferred. It just means that you need to go into the homebuying ...
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2)Read about the APR. The APR stands for “annual percentage rate”. Yes, the APR of a credit card is important no matter what people tell you. A low APR for a credit card is more critical than you think. When you sign up for your new card, you probably are thinking that “hey, all I never miss a payment so who cares what the APR is?” The fact of the matter is, expenses come up. Unexpected expenses that you have to pay for no matter what. If your credit card's APR is low and when those expenses arise, you
will be in a better financial position when you pay it off. You would rather pay off your a credit card's 4% on $1000 than 15% on $1000. This can make a world of difference.
3)Compare offers. Not all credit card offers are made the same. All credit cards that you see will appear to be physically similar (made out of plastic), but these credit cards can often be worlds apart. Some offer reward points, sky miles, cash back, and bonus dividends, while most offer nothing at all. If you are going to pick a card, make sure you get the most out of it you can. Finding out later that you could have had 50,000 Sky miles when you actually got none can be quite a surprise. Compare offers, compare banks, and get the best credit card deal you can.
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CREDIT MARKETS: Huge Corporate Deal Hits As Treasurys SlipWall Street Journals (BAC) surprise repurchase of $330 million in loans due to appraisal errors was muted, according to Credit Suisse. But some investors voiced concern that the resulting loan buyouts from Freddie Mac (FMCC) MBS -- creating prepayments at 100 cents on ...and more » |
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