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Addresses for Disputes on Credit Reports:
Experian
NCAC
P.O. Box 9556
Allen, TX 75013
Equifax Information Services
P.O. BOX 740256
Atlanta, GA 30374
TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000
Credit Score Examples
The person with the 780 score:
Has at least 10 credit accounts in total and a 15-year credit history.
Uses 15% to 25% of her credit card limits.
Has no late payments on her credit reports.
Has no collection accounts or other major negatives.
The person with the 680 score:
Has six credit accounts and an eight-year [...]
Join a Credit Union: Save on fees
http://www.findacreditunion.com/
Get Rid of Junk Mail…..
Opt Out of Credit Card Offers
You can also fill out the form online www.optoutprescreen.com to opt out of all credit offers sent to you in the mail.
Get Rid of Junk Mail
To get rid of most other junk mail, write a letter giving your complete name, name variations and mailing address to:
Mail Preference Service
Direct Marketing Association
P.O. Box [...]
Married Couples and Finances
Finances in Marriage: AMOS 3:3
When it comes to finances do not make the fatal mistake of exalting the increase of math over the increase of agreement. It’s possible for your money to increase and agreement is diminishing. Can your spouse say NO to your idea concerning the money and you guys not fall apart or [...]
Living on Two Incomes:
Living on Two Incomes
When a couple first starts out, they often have two incomes and will set up their household budget based on that combined total. But as soon as the first financial crisis hits and one of those incomes is reduced or even wiped out, everything can fall apart. The solution; couples should make [...]
How to Correctly Claim the Recovery Rebate Credit on your 2008 Return
Below is information that you will deem helpful as you file your 2008 taxes
Source: IRS.Gov (please visit their site for more info on this)
IRS Tax Tip 2009-29
The IRS sent taxpayers nearly 119 million economic stimulus payments last year. When filing a 2008 federal tax return, taxpayers will need to know the amount of their stimulus [...]
Financial Tune-Up for 2009
Greetings:
Now that the shopping is over for the holidays, it’s time to get our goals on paper. There are 5 areas we should concentrate onm for a overall healthy fiajncial state.
1. Pursue a healthy Debt to Income Ratio:
In order to qualify for a mortgage for which the lender requires a debt-to-income ratio of 28/36:
Yearly Gross [...]
Home Phone for less than $40 per year Local & Long Distance
Its Called MAGIC JACK. We are always looking to save a dollar. Zee and I have been using this service for about 4 months now. The kids can call their out-of-state grandparents and relatives as much as their little hands can dial. This is a great way to save money and to save your anytime [...]
5 Types of Debt
Debt is defined as any money owed to anyone for anything.
There are 5 different types of debt:
1.Credit Card Debt
2.Consumer Debt
3.Mortgage Debt
4.Investment Debt
5.Business Debt
When using any of these debts always ask these questions:
1.Does it make economic sense?
2.Do my spouse and I have harmony and agreement about taking on this debt?
3.Do I have spiritual peace about entering [...]