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Affidavits of debt |
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Written by Radi8
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Tuesday, 20 September 2005 |
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Debt validation wasn't supposed to be a Do It Yourself project for the collectors
When no docs are avalable they use this tactic to create their own!
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Last Updated ( Sunday, 20 November 2005 )
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FICO SCORES 101 |
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Written by UFJoe
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Tuesday, 06 September 2005 |
The Fair Issac Corporation generates a so-called “FICO score”, which
means a lot to your credit. Think back to school days, you get an A on
your paper and you’re one happy guy/gal. If you get an F, watch out
because you’re in trouble when mom and dad find out! You won’t get in
trouble with mom and dad (well, you might biggrin.gif), but you will be
looked down on by the credit card companies. Well, what does that
really mean? Will the credit police break down your door? No, but
you’ll feel like they have a chokehold on your financial life. You
could see your APR jacked to the high heavens, your credit limit could
be decreased, and your account could even be closed. Also, it can keep
your from getting a new credit card, the mortgage rate you want, or the
loan you so desperately need for that one day in the future. Your
credit score is just like the grade your teacher gave you; it’s an idea
of how well you’ve done compared to your fellow peers. Where you rank
up compared to the average American’s credit is essentially what we
mean.
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