YourCreditReport.ca: credit reports, credit cards, fixing your credit and personal bankruptcy in Canada

Free credit report 2011

info — Tue, 12 Jul 2011 05:17:25 +0000

Are you considering getting your free credit report and free credit score 2011 to improve your financial situation for the future? Did you know that reviewing your credit report is the first step in saving you money should there be any sort of unwarranted mark on your report? By requesting your credit report you will receive a detailed analysis of your financial history.

Why is it important to request your free credit report in 2011?

Did you know that whenever you apply for a loan, a job, or an apartment, your credit comes under scrutiny because the potential employer or credit card company checks your credit report to analyze your credit history. Your credit history and credit score are used by lenders to assess the amount of risk you represent. The question is really quite simple: will you be a good risk or a bad risk? Lower credit scores or a black mark on your credit history will result in higher interest rates that can potentially cost you thousands of extra dollars in the long run. This is why improving your credit is so important.

What is credit monitoring?

Credit monitoring is also an important factor when you request your free credit report in 2011. A credit monitoring service is a service where an authorized agency notifies you whenever an update is made to your credit report, such as the opening or closing of an account, a change in address, or the processing of a loan payment. It’s a great way to keep track of your credit standing. It’s also one of the only ways to catch identity theft early, before any serious damage is done.

How to Build Your Credit History

You should consider checking your free credit report 2011 to find out just where you stand, even if you don’t think your credit history is all that good, or if you don’t think you have any credit history at all.. Most people are usually quite surprised what they find on their credit report. If you notice negative information on your report, it is suggested that you confirm that the information is accurate. Most derogatory information, such as a loan payment that was 180 days late, must remain on your credit report for at least 7 years. If a negative record on your report is not accurate, be sure to send a letter of dispute to the credit bureau that reported the error. The next step in the process of building or rebuilding your credit history is to get a credit card. Even if you don’t feel you need one, it is simply the way things have moved in today’s society. You might have to start with a secured credit card, in which a savings account is used as collateral for your credit. Also consider special-interest cards that are oriented to your purchasing habits, such as a gas card or department store credit card. No matter what card you decide to get, be sure to read the fine print and watch for high APR rates, setup fees, annual fees, and short grace periods. Be sure to use your new card responsibly and make all your payments on time.

Debt Settlement: What is it?

info — Thu, 30 Jun 2011 00:13:57 +0000

Debt Settlement

If you happen to find yourself drowning with an ever-increasing debt load, contacting and working with a debt settlement company can actually be a great solution. You’ve undoubtedly heard a lot of advertising and promotional for these types of services recently, but what exactly does a debt settlement company do?

Debt settlement is the process of negotiating with creditors to get them to forgive a big portion of your debt. The big question is: why would a credit card company do this? The simple answer is that the credit card companies have made the financial calculations and determined they are better off knowing for certain that they’ll get paid something, rather than not knowing at all if they will get paid anything at all from the person in debt.

Settlement companies work with an individual to hammer out a reasonable monthly amount that the person in debt distress can afford to pay against their amassed debt load. The individual then makes the affordable payment every month into a special-purpose account, and, as these funds accumulate, the settlement company reaches out to creditors to negotiate a full and final actual settlement amount that they will take. The debt settlement company only charges a fee after they have achieved a satisfactory settlement for you. Sounds like a pretty good deal for a person who feels their hands are tied, right?

Again, these debt settlement companies have great relationships with creditors and are negotiating on behalf of thousands of people every day and the amount of negotiated savings they can get for consumers can be significant.

While each situation is uniquely different with assorted reasons as to why the individual may be facing a burdensome debt load, it’s not uncommon for debt settlement companies to negotiate reductions of as much as 50 percent of the outstanding amount. With this type of negotiating power with credit granting institutions, they can help get their customer debt free in just a few short years.

Top 5 Traps to Avoid if You have Too Much Debt

info — Thu, 30 Jun 2011 00:10:51 +0000

Are you struggling to make it with too much debt weighing you down? If you are, you’re definitely not alone. Recent finding have shown that personal debt is at an all time high and there doesn’t really seem to be anything stopping it. It seems as if the entire nation has been afflicted with a borrowing sickness. For years, credit was easy and many people became overextended, but we now live in an era of austerity and it’s time to get our affairs in order.

Here are the Top 5 Traps to Avoid if You Have Too Much Debt

The first advice of debt and credit experts in the field of debt consolidation is to be sure you don’t make your situation worse by making these common mistakes. The top things to avoid are:

Paying only the minimum payment on your debt: this will result in the amount you owe actually growing, and your problems will only become worse.
Relying on friends and family: this can damage relationships with the most important people in your life.
Unscrupulous credit counselors that demand cash upfront, or high fees for help they promise, but don’t deliver. This is more common than one might think.
Using new high-interest loans to pay off lower interest rate loans: while it may be easier to just have one payment, it will actually increase the amount you have to pay back in interest. Not a smart thing to do when the object of the game is to be paying less.
Declaring bankruptcy: this can have permanent and severe consequences on your financial future. One should avoid bankruptcy if you can, especially when debt settlement may work for you in your situation.

Do you have any other suggestion that could be helpful for others and debt management? Leave a comment below!

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Hidden Credit Repair Secrets: That can fix your credit in 30 days (Volume 1)

ClaudineClayton28 — Sun, 27 Mar 2011 03:27:22 +0000

"This book had a lot of good things that helped me repair my credit." - Direck Chatman "The best credit repair book I have ever read." - John Davis Are you tired and frustrated of being denied credit? Are high interest rates robbing you of your hard earned income and preventing you from getting out of debt? Your low credit score may even be stopping you from getting a new job or home. Take heart. There is hope because, for the first time ever, Hidden Credit Repair Secrets exposes the heavily guarded credit repair secrets used by certified credit consultants and credit repair law firms. One of their own has actually begun to make these strategies and techniques available to the public. As a Certified Credit Consultant with years of experience in the credit restoration field, Mark Clayborne divulges how to legally restore your credit in his ground-breaking book, Hidden Credit Repair Secrets. In this book, you will discover how to: * Legally restore your credit report. * Remove damaging negative marks. * Settle your debts for penny's on the dollar. * Stop collection agencies from harassing you. * Establish and rebuild your credit. * Bounce back from bankruptcy within a year. * Raise your credit score fast. "I really loved the letters in the 12 step dispute plan." -Sabrina Reece As a special bonus, Mark Clayborne has included a 12-step dispute plan that will allow you to send carefully-crafted dispute letters with the appropriate language to get negative items removed from your credit report. All letters were reviewed by attorneys. No thinking or studying is required. Just input your information and send the letters. Bad credit can be limiting and even disastrous to your quality of life, begin restoring your credit and financial health today. Everything you need is included in this one book, Hidden Credit Repair Secrets.

The Money Book for the Young, Fabulous & Broke

ClaudineClayton28 — Sat, 26 Mar 2011 20:52:50 +0000

First time in paperback. The #1 New York Times bestseller from the phenomenal author of The Courage to Be Rich.

The world's most trusted expert on money matters answers a generation's cry for help-and gives advice on

- Credit card debt
- Student loans
- Credit scores
- The first real job
- Buying a first home
- Insurance facts: auto, home, renters, health
- Financial issues of the self-employed

And much more advice that fits the realities of "Generation Broke."

6 Steps to Get out of Debt

info — Sat, 26 Mar 2011 00:22:48 +0000

We all want to get out of debt. None of us want to be burdened with payments darkening our doorsteps. Here 6 steps you can take to get out of debt and stay out.

1. Budget a set amount each month

Look for ways to cut back your spending so you can free up money to pay off debt. Even a little bit each month will start to reduce the amount of interest you pay.

2. Get rid of high-interest debt first

Your biggest loan may not cost the most. Your mortgage may be the biggest debt you have, but it’s probably the cheapest. How do you know which debt is the most costly? Look at the interest rate you’re paying, not how much you owe. For most people, credit cards are a good place to start.

Did you know?
Cards from a department store often charge close to 30% or more in interest. If you owe $1,000, you could pay $300 in interest each year. Credit cards from a financial institution also charge high interest rates.

3. Consolidate different debts into one

If you have a number of different debts, consider a consolidation loan. This means you take out a loan or increase your mortgage to get enough money to pay off all of your other loans. It may cost you less each month than you were paying before on the individual loans, and you can put some of those savings toward paying off the consolidation loan faster.

Example:

Stacy owes $5,000 on her credit card, at 18% interest. That’s close to $100 a month, just for the interest! To lower her monthly costs, Stacy adds $5,000 to her mortgage, and uses the money she borrowed to completely pay off the credit card. Because her mortgage is at a much lower rate of interest (5%), Stacy will only pay $33 a month for her credit card debt – about a third of what she was paying before. If she saves all the money she was paying on interest before, she could pay off the extra $5,000 on her mortgage in less than seven years.
Tip:

Don’t forget about the extra debt after you consolidate it, especially if it’s blended in with your mortgage. If you had a 20-year mortgage and carried an extra $5,000 all those years, you would end up paying almost three times as much in interest on the money. Once you consolidate your debt, try to pay it back as fast as you can so that you’ll pay much less interest in total.

4. Set up an automatic savings plan

Some people have trouble finding enough money each month to reduce their debts because they spend it on something else. If this is you, see if your employer or bank can automatically take some money from your pay each month and deposit it in an account you can use to pay off debts.

5. Use cash from a life insurance policy

Some kinds of life insurance build up a cash value . If yours does, you can borrow that cash value and use it to pay down debts. You will have to pay interest on the loan, but you are really paying the interest to your own account.

Tip:

Try to pay this loan back as soon as possible since it will help increase the amount of money available to you from your life insurance policy.

6. Make an extra mortgage payment

Many mortgage lenders will allow you to pay down part of your mortgage debt each year in a lump-sum payment . Paying down your mortgage by even a small amount can dramatically reduce the overall cost of this loan over the years.

Remember: To pay off debt, you need a plan you can stick with. It’s better to start small if you have to, than never start at all.

Do you have any other tips and suggestions to get out of debt faster?

Credit Repair Kit For Dummies

ClaudineClayton28 — Mon, 21 Mar 2011 15:25:57 +0000

Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to:

Take charge of your credit
Get help from credit counselors
Request copies of your credit report
Know how to interpret your credit report and credit score
Avoid foreclosure
Communicate with collectors, lawyers, and the courts
Manage medical debt
Safe-guard your identity

Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2^nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity.

Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.

The Theory of Money and Credit

ClaudineClayton28 — Sun, 20 Mar 2011 04:09:29 +0000

Mises wrote this book for the ages, and it remains the most spirited, thorough, and scientifically rigorous treatise on money to ever appear. It made his reputation across Europe and established him as the most important economist of his age. We think this Mises Institute edition is the most beautiful, by far, of any edition in print. It is the first English edition, complete with an explanatory foreword by Murray Rothbard and a preface by Douglas French. The size, look, and feel are just perfect, at once classic and very modern, in a case-wrapped hardback. And the price beats everything. This classic treatise on monetary theory remains the definitive book on the foundations of monetary theory, and the first really great integration of microeconomics and macroeconomics. As Rothbard points out in his introduction to "the best book on money ever written," economists have yet to absorb all its lessons. Mises shows how money had its origin in the market, and how its value is based on its usefulness as a commodity in exchange. In a step-by-step manner, Mises presents the case for sound money with no inflation, and presents the beginnings of a full-scale business cycle theory. This edition includes Mises's early blueprint, improved later in life, for a return to a fully backed gold standard and competitive banking. The contents of this essential opus include: Part One: The Nature of Money 1. The Function of Money 2. On the Measurement of Value 3. The Various Kinds of Money 4. Money and the State 5. Money as an Economic Good 6. The Enemies of Money Part Two: The Value of Money 7. The Concept of the Value of Money 8. The Determinants of the Objective Exchange Value, or Purchasing Power, of Money 9. The Problem of the Existence of Local Differences in the Objective Exchange Value of Money 10. The Exchange Ration Between Money of Different Kinds 11. The Problem of Measuring the Objective Exchange Value of Money 12. The Social Consequences of Variations in the Objective Exchange Value of Money 13. Monetary Policy 14. The Monetary Policy of Etatism Part Three: Money and Banking 15. The Business of Banking 16. The Evolution of Fiduciary Media 17. Fiduciary Media and the Demand for Money 18. The Redemption of Fiduciary Media 19. Money, Credit, and Interest 20. Problems of Credit Policy Part Four: Monetary Reconstruction 21. The Principle of Sound Money 22. Contemporary Currency Systems 23. The Return to Sound Money Appendix A. On the Classification of Monetary Theories ISBN 978-1-933550-55-8 493 pp. (hardcover)

Your Credit Score, Your Money & What’s at Stake (Updated Edition): How to Improve the 3-Digit Number that Shapes Your Financial Future

ClaudineClayton28 — Fri, 18 Mar 2011 16:37:53 +0000

“A great credit score can help you finish rich! Liz Pulliam Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.”

David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner

“Excellent book! Insightful, well written, and surprisingly interesting. Liz Pulliam Weston has done an outstanding job demystifying an often intimidating and frustrating topic for the benefit of all consumers.”

Eric Tyson, syndicated columnist and bestselling author of Personal Finance for Dummies

“No one makes complex financial information easy to understand like Liz Pulliam Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or check book–and that’s just about all of us.”

Lois P. Frankel, Ph.D., author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich

“In a country where consumers increasingly pay more when they have bad credit, Liz Pulliam Weston’s book provides excellent tips and advice on ways to improve your credit history and raise your credit score. If you just apply one or two of her insightful suggestions, you’ll save many times the cost of this book.”

Ilyce R. Glink, financial reporter, talk show host, and bestselling author of 100 Questions Every First-Time Home Buyer Should Ask

“Your credit score can save you money or cost you money–sometimes a lot of money. Yet, most people don’t even know their scores, much less know how to make them better. Liz Pulliam Weston can help you fix that. In this easy-to-understand guide you’ll learn how to make sure your score helps you get the best deal on loans and insurance. You can’t afford not to read it.”

Gerri Detweiler, consumer advocate and founder of UltimateCredit.com

The #1 Best-Selling Guide to Improving Your Credit Score...

Now Thoroughly Updated for the Financial Crisis!

In post-crash America, it’s tough to get credit...and even tougher to get rates and terms you can afford. That makes your credit score more important than ever before. Now, MSN Money/L.A. Times personal finance columnist Liz Pulliam Weston has updated her best-selling book on credit scores to show how you can maximize your score right now–and save yourself a fortune!

Weston reveals the tough new realities of borrowing and credit scoring, and shows why they aren’t going to change any time soon. She rips away the mystery surrounding credit scoring, including the FICO 08 overhaul, and tells you exactly how to use the new system to maximize your score.

You’ll learn how to fight back against lenders who want to lower your limits or raise your rates...bounce back from bad credit and bankruptcy...choose the right credit solutions and avoid options that only make things worse. One step at a time, Weston will help you build (or rebuild) your credit score–so you can get the credit you need and deserve!

Survive a credit crisis, one step at a time

How to protect or rebuild your credit score after a major financial setback

Fix your credit score in as little as 72 hours

Rapid rescoring: what it can fix, what it can’t fix, and how to use it

Don’t let the myths of credit scoring cost you a fortune!

What you’ve been told just isn’t true: how credit scores really work

What drives your score–and what doesn’t

The real impact of credit cards, loans, late payments, inquiries, credit counseling, and more

The Simple Dollar: How One Man Wiped Out His Debts and Achieved the Life of His Dreams

ClaudineClayton28 — Wed, 16 Mar 2011 13:54:13 +0000

Struggling with debt?

Frustrated about work?

Just not satisfied with life?

The Simple Dollar can change your life.

Trent Hamm found himself drowning in consumer debt, working in a job he couldn’t stand… and figured out how to escape that debt and build the fulfilling career he’d always dreamt about, all at the same time.

Hamm shared his experiences at TheSimpleDollar.com—and built it into one of America’s top personal finance websites. Now, The Simple Dollar is a book: packed with practical tips, tools, and lessons you can use to transform your life, too.

This isn’t just “another” personal finance book: it’s profoundly motivating, empowering, practical, and 100% grounded in today’s American realities. Trent Hamm will show you how to rewrite the rules, creating healthier relationships with money… and with your loved ones, too. With his help, you can get out of debt, start moving forward, and build the strong personal community that offers true happiness—no matter what happens to the economy.

· Escape the plastic prison, and stop running to stand still

5 simple steps to eliminate credit card debt… and 5 more to start moving forward

· Shift your life’s balance towards more positive, stronger relationships

Learn how to put the golden rule to work for you

· Discover the power of goals in a random world

Then, learn how to overcome inertia, and transform goals into reality

· Navigate the treacherous boundaries between love and money

Move towards deeper communication, greater honesty, and more courage