Archive for August, 2011
SUBSCRIBE & LIKE!!! LASO 2010 Talent Show in Plainfield, HS 5-7-10 Part 10: ZAMBA Once a year, I go to LASO in Plainfield HS to educate and empower them. I talk about my experience of how I came to USA as an immigrant and how I overcame the challenges of growing up in Newark, NJ. They invited me to their talent show this year, and I was excited because they did a great job! I was proud of them and how they put all this together with the help of Doris Sera, their Spanish Teacher and Mentor and head of LASO at Plainfield HS. When you put these events together, there are a lot more people to thank….Ms. Miguelina Landisi, the Parents, Students, Teachers, Security Guards and you can’t forget the main person, the Principal! For More information on Guillermo A. Cervano please go to www.guillermocervano.com Financial Chemotherapy LLC (973) 440-8661 Services -Debt Settlement: Reduce Unsecured Debt 25-50% -Credit Card Counseling: Reduce Interest Rates on Credit Cards to 2-9% -Credit Restoration: Remove negative and out dated information from Credit Report www.credit-debt- vendetta.com -CPN numbers New Credit Profile and a 725+ Credit Score -Trade Lines: Increase your Credit Score 25 to 75 Points on Average -Loan Mods: Attorney Based Loan Modification Services -Short Sales: We Buy Houses! Avoid Foreclosure NOW! -Investment Properties: We Sell Houses 2 – 4 Family with Equity (See Attached) -Sell Property Equity Holding Trust: Creative way to acquire property w/out Credit Check …
Blair Vanbruggen
I know it takes 7 years for any delinquent accounts to be removed from your credit report, but after they are gone, does your credit score improve? If of course you don’t have any late payments, or other past due accounts?
Fawn Rawlings
I have a Chase Freedom credit card. I don’t know if I should pay off my whole balance or just pay little by little. If I pay it off immediately will my credit score go up dramatically? Or does it not even matter? Thanks in advance!
Sophia Hollinsworth
For example (this is totally fabricated and inaccurate, just to illustrate what I mean):
Credit Score is 780, debt is $5,000 – $7,000 etc.
Clint Hipolito
As you enter the world of adulthood you can start with a clean financial slate and start building your credit score. There are a few ways to do this, all of which if used in the right way can do much to bolster your score, but you need to approach these alternatives with a degree of caution so you don’t make financial trouble for yourself.
Samuel Dobbins
gboogie.net business credit is not that hard to get these days. gboogie teaches you about corporate credit.we report to d&b as a net 15
Vern Cerulli
At Quizzle, we make it easy to manage your home, money and credit – all in one spot. We give you a bunch of helpful free tools – like a free credit report, free credit score, home value estimator, home loan recommendations and budget planner – so you can make better decisions about your personal finances. Quizzle.com also offers some extras in case your home, money or credit situation could use a little tweaking – things like a credit personal trainer that lets you know what actions you can take to impact your credit, or a identity theft protection tool that monitors the Internet and your credit report 24 hours a day, or our credit monitoring service that lets you know about important changes to your credit report. We’ve partnered with industry leaders to provide you with these services and we do it at a fraction of the cost of other companies. At Quizzle, we give you access to your most important financial information and the means to make improvements. Start managing your home, money and credit today – it’s easy and it’s free. www.Quizzle.com By joining Quizzle (it’s free!), you’ll also get access to a wealth of great tools and information to help you make smart decisions about your life. Stuff like a home value estimate, neighborhood report, home loan recommendations, budget planner and expert personal finance advice. Visit www.Quizzle.com to get started.
Neville Bruer
Hi my name is Austin Niemiec, I’m a Senior Mortgage Banker at Quicken Loans and I’m here today to talk about the importance of credit and the effects it has on applying for a mortgage. So to begin, credit simply can be defined as a tool or a measure that companies like ourselves use to determine how likely you are to pay back a loan on time. There’s a lot of different factors that go into your credit and your credit profile. Some of the main ones are the amount of credit card debt you have, how consistent you are on your payments in your mortgage, auto loans, student loans and there’s also a section for public record, such as bankruptcies, foreclosures, charge-off judgments that can have a derogatory effect on your credit score. What is a good credit score? In today’s lending environment, anything over a 740 is considered excellent or platinum. The average American has a credit score of around 680 and we can even lend as low as 580 in some cases. Why is credit important when applying for a home loan? It’s very, very important that your mortgage expert has an accurate, up-to-date credit profile when quoting you a mortgage rate. It’s going to affect the exact program, it’s going to affect the exact interest rate, it will also affect positive and negative pricing adjustments on your loan. So, to get an accurate quote, you need to have an up-to-date credit profile. As a consumer, it’s very important that you know what’s going on in your credit world. There may be some small …
German Anness
LeahCoss.ca When you walk into a bank and you ask them to give you something. They’re giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK. There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today. Now how does this affect you and why can’t you always get the best rate? Well, each product is different. I’ve mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either. You just do not know that because they all look like they target everybody. Right? We’re looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case. Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you …
Toshia Mahon
(11-27-07) When factoring Lindsay’s credit score, let’s hope FIC takes video blog stardom into account. Fair Isaac Corporation. (FIC)
Jasper Danns