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Protect Your Credit To Survive Coronavirus

April 7, 2020 By Joe Wallace Leave a Comment

Protect Your Credit To Survive Coronavirus

That title is pretty sensational, but there are indications in the American economy that credit scores are going to be very important in the era of coronavirus and COVID-19. That’s not based on speculation; mortgage lenders across America are reconsidering their FICO score requirements for home loan approval, making scores in the mid to upper 600 range less of a sure thing for loan approval than they were previously. For the record, FICO … [Read more...]

Filed Under: "stuff", budget, credit cards, credit reports, debt reduction, economy, emergency fund, emergency planning, frugality, income stream, interest rates Tagged With: coronavirus, credit, credit requirements, credit scores, debt, FICO, protect your fico score

Why You Should Not Apply For A Subprime Loan

March 24, 2020 By Joe Wallace Leave a Comment

Do not apply for a subprime loan

Why is it a bad idea to apply for a subprime loan? What follows is not MY advice, but rather the advice from credit reporting agencies like Experian, and from government watchdog agencies like the Consumer Financial Protection Bureau. I preface today's article with that disclaimer because I want the message to be clear; applying for a subprime loan is something most consumers should think twice about doing. And that is according to the … [Read more...]

Filed Under: budget, credit reports, debt reduction, economy, education, frugality, homes, income stream, interest rates, money Tagged With: auto loans, credit issues, credit repair, credit reports, FICO, FICO scores, sub-prime, subprime, subprime home loan

Credit Report Correction: How Long Does It Take?

December 31, 2019 By Joe Wallace Leave a Comment

Fix Credit Report

How long does it take to correct your credit report? Unfortunately, the answer may depend on what kinds of corrections may be needed. According to the Federal Trade Commission (FTC), the Fair Credit Reporting Act requires credit agencies to respond to you over complaints of erroneous, incomplete, outdated, or inaccurate information. According to the FTC, “To take advantage of all your rights under this law, contact the credit reporting company … [Read more...]

Filed Under: credit cards, credit reports, financial fitness Tagged With: credit, credit report, credit score, equifax, experian, FICO, transunion

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