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Credit scores are made up of a complex algorithm that can, at times, seem inexplicable. Often things that seem financially responsible can in fact lower your credit score. Answer the few questions below to test your credit IQ — the answers may surprise you.
After years in the doldrums, the housing market appears back on track. Home sales and prices are up, and mortgage rates remain near historic lows, reinvigorating the appeal of home ownership.
Used to be, a foreclosure was something people seldom spoke about. Today, times have changed. Right now is the ideal time to buy a new home with record lows in mortgage rates and an increase in available, affordable homes. But if you’ve got a foreclosure or short sale on the books, you might be asking — how long before we can buy again?
Dear Debt Adviser: How do I find out the timeline on my debt? I know after six or seven years the debt is taken off. I would like to know if there is a way to see if it is gone. -- Mark
New York -- Every January, it’s the same drill. This is the year you will cut your debt, save money and spend more wisely.
Dianne Cutter doesn't swipe her credit card at the gas station anymore. She became a cash-only customer after her card was skimmed from the credit card reader and a thief made charges to her card.
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Phoenix homeowners are doing much better in making their mortgage payments.
Arizona Attorney General Terry Goddard: Some new year promises are harder to keep than others. Here are eight consumer resolutions that should be easy to maintain and will serve you well in 2010.
Arizonans are having a tougher time managing credit card and mortgage debt than consumers in most other states, according to first-quarter data compiled by credit and information management company TransUnion.
It's always a good idea to be vigilant about your credit score, but even if borrowing loosens up a bit in 2009, you still need to do everything necessary to keep your credit score high.
Mortgage loan delinquencies in the fourth quarter of 2008 increased for the eighth straight quarter as more homeowners fell further behind in their monthly payments, according to credit and information management company TransUnion.
Rebecca Warren: If you're planning to buy a home or a car in 2009, the process is going to be a lot tougher without an excellent credit score and a significant down payment.
PHOENIX - Arizona consumers are gaining a new shield from identify theft: the ability to impose low-cost freezes on their credit reports.
According to the government, 8.3 million Americans fell victim to identity theft in 2005. Estimated losses surpassed $15 billion. Fortunately, you can protect yourself from identity theft.
Monday’s “The Montel Williams Show” focused on identity theft nightmares, and featured LifeLock CEO Todd Davis as an identity-theft expert.
Arizona consumers could soon have a new weapon against identity theft.
Qualifying for a home loan just got trickier. With defaults and foreclosures still plaguing the mortgage industry, lenders are evaluating how risky potential borrowers are by heavily weighing credit scores.
Mike Sullivan has counseled many people who cosigned on a loan in earnest, then paid dearly later. Sullivan is director of education for Take Charge America, a Valley-based credit counseling agency.
With Wall Street investors suddenly feeling squeamish about risk in the wake of the mortgage crisis, lenders are returning to prehousing boom qualification standards — including requiring borrowers to have good credit.
Bad credit should not be a source of embarrassment, and those with it are far from alone. “The stigma that sort of goes along with bad credit, we don’t feel it should be there,” said Rob Anderson, co-founder of Livingwithbadcredit.com, an education Web site for people with credit problems.
Keeping an eye on credit Consumers can obtain a free credit report each year from each of the major credit bureaus — Experian, Equifax and TransUnion. Visit www.annualcreditreport.com or call 1 (877) 322-8228.
NEW YORK - The three major consumer credit reporting agencies announced Tuesday that they have created a new credit scoring system aimed at simplifying the loan process for both lenders and borrowers.