Debt, Credit, Credit Reports:
Some "Credit Education" Information Basics - "Educación de crédito"
(Also see:
Financial Education
and
Career Development, Credit, Finance, Reference, Relocate, Salary
+
eMail scams & Internet Fraud, Credit Card# Stolen?,
Identity/Internet Theft, credit checks, reporting scam/fraud)
(Credit, FICO, Interest Rates, Jobs, etc.)
Financial Dictionary:
A
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© Art Branch Inc. 2008
(Categories include: General Finance,
Loans,
Mortgages,
Banking,
Investing,
Debt
+
an online loan calculator
& articles about..commonly used financial terms)
Articles about DEBT:
From the
Fair Debt Collection Home Page:
-
Debt collection statute of limitations listed by state
-
Free credit card calculator
("Shows total interest making minimum payments!")
-
Free Budget Calculator
-
Debt Consolidation Loan Calculator
("...calculate..how much money you can save by paying off your credit card debt with a low interest personal loan or home refiance loan.")
[Attorneys in your state or list your legal web site here,
Fair Debt Collection BLOG,
Five Most Important Credit Laws,
Attorney General Complaint Forms,
Attorney General Web Sites,
Statute of Limitations on Debt,
Statute of Limitations by State,
Free Budget Calculator &
Credit Card Calculator &
Debt Consolidation Calculator,
Wage Garnishment Laws,
Garnishment Procedures,
State and Local Gov Laws,
Consumer Alert - Junk Debt, bill collectors]
From the
BCS Alliance:
(comment: lots of information about dealing with creditors, credit problems, harrassment, bill collectors, judgements, annoying calls at home and work...)
-
Articles about debt, debt management, collection, bankruptcy, budgeting worksheets, & credit counseling
-
Articles about Credit, Credit Cards, Credit Rating, Credit Scores
-
Credit articles about
credit rating, credit reports, credit cards, identity theft
-
Credit Repair: Guide to Money, Counting Money, Earning & Saving Money (H/T Courtney Phillips, http://afterschoolcareprograms.com, El Paso County, Colorado 26Mar15)
-
Budgeting, How to
and
What are 'payday' loans? ("The Good, the Bad and the Ugly")
-
Loans, both
Mortgage and Auto
including
mortgage information about: what are, what is, the process, comparing, avoiding, closing, mortgage dictionary, how to, compare, pitfalls, glossary and automotive car buying new/used, warranties, service contracts,
buy/lease, & dealer reserve
(also see below, amortization calculators)
-
How to Calculate a Monthly Payment without a Calculator
amortization tables: monthly mortgage payments (15 & 30 year)
amortization tables: monthly automotive car payments (36 & 48 & 60 month / 3-4-5 year)
-
Amortization Table, online printable
(an amortization schedule calculator that also provides charts of your loan payments,
src: http://www.myamortizationchart.com)
+
Create/print Your Own Free Printable Calendar, monthly or yearly with/without holidays
(src: http://www.eprintablecalendars.com, also see,
Reference Desk links)
-
APR or "flat rate" loan repayment calculator
( This calculator provides a method of comparing compound and flat rates of interest.
Flat rates of interest are often used in illustrations because they appear lower
than the APR but are in actual fact more expensive.
For example, an APR of 7.8% represents a better value than a flat rate of 5%. [Includes comments.] )
Credit Cards:
• CreditCards.com
(research credit card rates, transfers, instant approvals, rewards, cash back, airline, business, student, pre-paid, specials, credit quality)
• CardCops.com
quote "determining whether their [your] credit card or other personal information has been compromised"
(CardCops, ID Protect monitors the internet 24/7 for fraudulent activity involving your credit cards and personal information.)
also see, below: Credit Card Calculators
(What will it take to pay off my credit card? and When will you be debt free?)
Free Annual Credit Reports, online at:
AnnualCreditReport.com [ACR]
• Internet address: www.annualcreditreport.com
• Toll-free number: (877) 322-8228
• Mailing address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
(about ACR
&
FAQs
[Frequently Asked Questions])
Quote:
"AnnualCreditReport.com is a centralized service for consumers to request
annual credit reports. It was created by the three nationwide consumer
credit reporting companies,
Equifax,
Experian
and
TransUnion.
AnnualCreditReport.com processes requests for free credit file
disclosures (commonly called credit reports). Under the
Fair and Accurate Credit Transactions Act
( FACT Act of 2003,
Bill Summary, 108th Congress * * ) consumers can request and obtain a free
credit report once every 12 months from each of the three nationwide
consumer credit reporting companies. AnnualCreditReport.com provides
consumers with the secure means to do so."
* *
Fair and Accurate Credit Transactions Act of 2003, Pub. L. No. 108-159, enacted December 4, 2003
When are free annual credit reports available in my state? (annualcreditreport.com)
-
Credit reports free -- in the West. Residents of Western and Midwest states
can now see their credit reports without charge. Coming in June 2005: the South.
Here's how to get a look at yours as soon as it's available.
[includes information about what financial institutions must disclose, military
alerts, false credit info & disclosing to you, bad credit & fraud alerts,
opt-out rules]
(src: moneycentral.msn.com & bankrate.com)
FICO score:
-
FICO, definitions on the web (src: Google.com)
-
Campbell R. Harvey's Hypertextual Finance Glossary
(Copyright 2003,
home [online, financial terms & definitions])
-
From CloseNow.com's Real Estate Glossary:
FICO: The credit scoring model that determines the likelihood of repayment.
A minimum score of 620 is required to obtain prime interest rates.
-
From International Business Finance's glossary:
FICO: The Fair, Isaac and Company credit scoring system
used by many lenders to determine a borrowers ability
to repay a mortgage; uses a scoring range of 450 to 850
the lower the score, the higher the risk.
-
From myFico's ®
CREDIT EDUCATION web pages.
(y myFICO - Educación de crédito en Español
, y mas
Páginas en Español)
(© copyright 2001-2004 Fair Isaac Corporation)
The three major national credit bureaus are:
Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.
Experian (formerly TRW), P.O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742).
Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.
How to dispute credit errors.
(src: Federal Trade Commission, FTC)
quote from "
Free credit reports are just the start."
by Liz Pulliam Weston
contributor to MSN Money Central:
plus, additional quotes from Ms. Weston's articles:
Specialized firms maintain databases full of the details
regarding other aspects of your life, including:
• Your employment history
• Auto and homeowners insurance claims youve filed
• Whether youve bounced any checks
• Your medical records
• Your housing rental history (including whether youve been evicted)
and
- "Insurance Service Office" (ISO) provides summaries of your auto and homeowners claims to insurers.
"ISOs A-PLUS reports can be ordered by calling
(800) 709-8842 or by writing A-PLUS Consumer Inquiry Center,
545 Washington Blvd. 22nd Floor, Jersey City, NY 07310-1686."
-
"
Insurers keep a secret history of your home."
-
"
Comprehensive Loss Underwriters Exchange, or CLUE" [provides home owner/rentors information.]
(part of ChoicePoint)
-
Tenant histories:
Registry Safe-Rent
& the
U.D. Registry
-
Employment Screeners..
"
Find out what databases say about you."
(articles by Paul Wenske "The Kansas City Star" Newspaper)
quote: [you have] "the right each year to one free credit report from each of the three major credit reporting services.
But did you know the 'Fair and Accurate Credit Transaction Act,
or FACTA of 2003, also allow free reports from and assortment
of "specialty" reporting agencies that vacuum up personal information,
including insurance, job, tenant and medical histories?"
-
Choice Point:
ChoicePoint CLUE report (.pdf format)
(866) 312-8076
"ChoicePoint also compiles employment histories.."
ChoicePoint pre-employment background check (.pdf format)
(866) 312-8075
"ChoicePoint also compiles tenant histories.."
ChoicePoint Tentant history (.pdf format)
(877) 448-5732
-
The Medical Information Bureau (MIB): (life, health, longterm care & disability insurance)
MIB: to check for your records
(866) 692-6901
- "ChexSystems..financial database.
e.g. If a bank closes a consumer's account
due to insufficient funds, etc."
ChexSystems consumer debit reports
(800) 692-6901
"A ChexSystems report is a good idea if you are a victim of identify theft."
See what interest rates lenders typically offer consumers based on FICO score ranges by using the
FICO Credit/Loan & Interest Calculator.
- Credit Scores
About them & how they are used about you.
- What is my FICO score? (also known as a "Fair, Isaac score", FICO®)
- Credit Reports
- Credit Scores: myFICO Credit Scores
What are they?
- What's considered in your score?
myFICO Considerations
- How to
Improve your FICO score.
- FICO's Facts and Fallacies.
-
Credit Inquiries: about credit inquiries and how they may or may not affect your FICO score.
- Checking your [credit] report(s).
-
myFICO's (®) Glossary [of credit related definitions/terms/terminology]
y el Glosario en Español
and
-
myFICO's ®
Calculators about borrowing money, debt pay off and savings:
(Mortgage calculators, Auto [vehicle] calculators, Loan calculators,
Debt and Credit Cards, Savings calculators, Personal Finance, Investment calculators,
and Retirement calculators)
-
Credit Report Websites related Credit Reporting Searches (MyCreditReport.com)
|
Finance, Finances, Financial, Loans, Relocation:
Glossary/Glossaries:
- Debt glossary
- Financial Dictionary
(src: Sound Mind Investing [SMI],
site index)
-
Finance Glossary, Campbell R. Harvey's Hypertextual Finance Glossary &
Master Index
- Financial Glossary
(src: Mortgage Calculators)
- Financial Glossary (src: Mortgage 1)
- MBS glossary
- Military OneSource (militaryonesource.com, military oriented)
( Body,
Career,
Crisis,
Deployment,
Education,
Elder Care,
Financial Calculators,
Guard/Reserve,
Legal,
Mind,
Money,
Moving,
Parenting,
Recreation,
Relationships,
Relocation,
Severely Injured,
Special Needs,
Transition)
- Mortgage Glossary/Dictionary
(src: CloseNow.com)
- Mortgage glossary
including: Fannie Mae glossary &
Home Inspections glossary
Finances, Personal Considerations:
- A Second Home?
- ARM Comparisons
- Can You Afford It?
- Closing Costs
- Credit Scoring (also see FICO above)
- Currency Converter #1 and
#2 or a
Currency Converter by
OANDA.com, The Currency Site.
- (sources: HUD - Bankrate - Allstate)
- Downpayment?
- How Much Can I Borrow?
- Fixed or Adjustable?
- Interest Totals
- Metric/Engish Conversion
-
Monthly Payments/Pre-Payments
- Pay Points?
- Paycheck Calculators
- Rent vs Buying
(rent amortization table,
rent versus buying, mortgage payments calculator
- Worksheet
Interest Rates:
- Average Interest Rates
- Average Mortgage Rates
- Compare Rates Offered
- Rates - Bank, Mortgage, Tax, School Loan, Equity, Personal,
Vehicle, Renovations
- Today's High/Low Five (5)
- Wall Street Journal: Key Money Rates
-
(includes Prime Rate, Certificates of Deposit, Commerical Paper, Consumer Price Index,
Eurodollars [Euros], Fannie Mae, Federal Funds [overnight], Freddie Mac,
London Interbank Offered Rates [LIBOR], Treasury Bills [T-Bills])
|
|
Real Estate:
- Real Estate & Mortgage Glossary, Dictionary, and Lexicons
(powerofknowledge.net)
(English, French, Spanish, Italian, Portuguese, German)
-
Forecasts and fundamentals for 379 local real estate markets. ( more)
Relocation/Moving:
- Compare Cities & Salaries
- Jobs
- Research Schools
(src: Randy-Realty, El Centro, Ca.)
|
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