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TOPIC | Personal Credit Ratings


Woman is 53 But Looks 25
53yr Old Mom publishes 1 simple wrinkle trick that has angered doctors.
www.ConsumerLifestyleMag.com
Woman is 53 But Looks 24
Mom reveals simple wrinkle secret that has angered doctors...
ConsumerLifestyles.org

Tips on avoiding marriage's No. 1 pitfall: money troubles Updated: Sat, May 19, 2012 Newlyweds and couples moving toward marriage, take note. Love, as it turns out, is not all you need. Read More
May 10 Library briefs for Moore Published: Thu, May 10, 2012 May 10 Library briefs for Moore Read More
Credit reports can be source of business leads Published: Mon, May 7, 2012 DEAR BRUCE: I recently received a phone solicitation that has left me a little disturbed. The call supposedly came from a well-known financial institution wanting to consolidate and refinance my debt. What disturbed me was that she said, "I ran your credit report and saw that you had outstanding balances on a couple... Read More
Bankruptcy may be only way out of this mess Published: Mon, Apr 23, 2012 DEAR BRUCE: I am 55 years old, and in 2010 I was divorced after 22 years of marriage. I had to sell my 4,000-square-foot home in a short sale, my business of 20 years closed, I had a $420,000 deficiency as a result of a short sale on a piece of commercial rental property I had for 15 years, and two other commercial... Read More
Smart Moves: Tips on landing sweet mortgage Updated: Fri, Apr 6, 2012 Rents are rising in many areas, making homeownership a more alluring alternative to renting. That's a major reason mortgage specialists are now predicting an uptick in activity among prospective first-time buyers. “In some areas it's now less expensive to buy than rent. Although the real estate market still... Read More
Your FICO after a mortgage catastrophe Published: Mon, Mar 12, 2012 Mortgage related derogatory events are not a fun topic. But reality being what it is, these days lots of people are asking the same difficult questions: How much will a foreclosure hurt my credit score? Would a short sale go easier on me? How long will it take to recover from any kind of mortgage catastrophe?... Read More
Tackle holiday debt now before you find that you can't keep up Published: Tue, Jan 17, 2012 Here they come — the post-holiday credit card bills. They're a potent reminder of the cost of the holiday season. In just the one week before Christmas, it's estimated that Americans spent $44 billion. Much of that last-minute shopping was done in a frenzy of emotion, without thinking about the cost of the... Read More
Hubby needs to grow up and start saving Published: Tue, Dec 20, 2011 DEAR BRUCE: I have several questions and do not know where to start. I am worried about our retirement. I have had several jobs over the years, but none has had a retirement plan. We have moved a lot due to my husband's military career. He is now retired, and his retirement goes to our mortgage. He also works... Read More
How seniors can guard against identity theft Published: Thu, Nov 17, 2011 Dear Savvy Senior: What tips and resources can you recommend to help seniors guard against identity theft? My next door neighbor, who’s 79, recently had her identity stolen and I want to make sure it doesn’t happen to me. -- Cautious Connie Dear Connie Identity theft continues to be a big problem in the... Read More
Note of explanation can be added to credit file Published: Mon, Nov 14, 2011 DEAR BRUCE: Can you please help me determine how to let my creditors/credit bureaus know that the judgment showing up on my credit report is from my renters taking me to court to get back more of their deposit? All of my creditors are reviewing me, and, after carrying two mortgages for 14 months, I have been very... Read More
Pay off card with highest rate ASAP Published: Tue, Oct 18, 2011 DEAR BRUCE: I am finally able to work aggressively toward paying off $60,000 in credit card debt, the unfortunate result of job loss and legal fees. Each month I pay more than the minimum payment on each card, but I'm wondering whether I should make minimum payments on two of the cards and concentrate on putting the... Read More
Life's cruel wakeup call Published: Tue, Sep 6, 2011 Dear Mary: Last year, I came home from work one day to find my 46-year-old husband dead from a heart attack. He had no life insurance and had been on unemployment until it ran out, working any job he could find. We had gone through our savings and had debt. I had to purchase a cemetery plot in addition to making... Read More
Tips for effectively managing your debt crisis Updated: Wed, Jul 6, 2011 Q: Because I was out of work for nearly a year, I have so much credit card debt that I can never repay it. What's better — credit counseling, debt negotiation or bankruptcy? A: It's important to know the difference between these alternatives and choose the one that best solves your problem and has the least... Read More
Pay down or save? Published: Mon, Jun 27, 2011 Dear Mary: My husband is receiving a bonus from his work, and he would like to use it to pay down our debt. I want to save it. We have already cut our debt by more than half, and if we stick to my plan we will have our debt paid off within the next year. If we use this bonus to pay down debt, we can pay everything... Read More
Paying off student loans, debt next lesson for college graduates Published: Thu, Jun 16, 2011 You've graduated. Congratulations! Now what about those student loans? The average graduate this year has $24,000 in loans — but many have nearly $75,000. Don't even think of leaving campus until you've had a meeting at the financial aid office. This "exit counseling" for federal student loans is a requirement... Read More
Everday Cheapskate: Mom Needs To Set a Wedding Budget and Stick to It Published: Sat, Jan 29, 2011 Dear Mary: My daughter is getting married soon, and she and her fiance are planning on a very big, expensive wedding. I am a widow and am not able to pay fully for the wedding. Her fiance's parents keep adding to the guest list but have not offered to contribute any money. I live within my means and do not believe... Read More
Smart Money: Don't cancel card over error Published: Sat, Jan 8, 2011 DEAR BRUCE: I always pay my bills online through my bank's online bill-pay system. Two weeks before my credit card payment was due, I went online and made the payment. When my statement came the next month I was surprised there was a late fee for the previous month. When I called my bank they told me that it had... Read More
Life After a Financial Hardship Updated: Mon, Nov 29, 2010 How does a person recover from foreclosure? I hate that I was not able to save my home. I had family problems, and I just could not make it happen. What can I do now? Read More
Saving helps pay off debt Published: Tue, Nov 23, 2010 DEAR BRUCE: We bought a house two years ago at a 5.5-percent fixed interest rate for 30 years. We still have a lot of years to go paying down this debt. Right now we're paying about $1,650 a month. We also have a car loan at 7.99 percent for which we're paying $234.32 a month. On Sept. 5 we had a balance of... Read More
Don't Toss the Expired Sunscreen Updated: Wed, Nov 3, 2010 Dear Mary: I have four bottles of sunscreen that have expired. I know that they have lost their full effectiveness as sunscreen, but is there another use? I hate to throw them out. -- Dorothy G., Florida Dear Dorothy: Great question! And good for you for realizing that sunscreen does expire (a good reason for... Read More
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