Mortgage modification is relieving when you face difficulties with your mortgage payment. In mortgage modification, the term of your existing mortgage loan gets modified and the loan payment becomes less troublesome. If you’re missing your mortgage payments due to severe debt problems, then your lender may agree to help you out by offering mortgage modification. […]

Nearly all insurance companies use credit scores, both to decide whether or not to approve you for a plan, and to decide what you will pay every month. Credit is not all that is evaluated however, and you’re not completely lost if you’ve ever missed a payment or borrowed a lot of money at once. […]

The housing market is on its way to recovery across the country and there are lots of great deals out there. Thus, the question as to whether it’s the best time to guy a home seems like a slam dunk “yes”. But life just isn’t that easy. I’m not saying “yes” isn’t the right answer; […]

It’s finally happened, and I for one can’t be more pleased. Last week it was announced that as of September 30th credit bureaus will now have to deal with government oversight of their practices, which includes their accuracy and how they calculate credit scores. This is in response to years of complaints by consumers and […]

A clean credit history is an important thing to have if you want to apply for loans and financial services like credit cards or store credit. There is no national blacklist for poor credit, but there is a system whereby lenders can request information on your credit rating from companies like Experian and Callcredit. Understanding […]

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