Credit Rating Score – The Essence of Credit Scores and Ratings

credit reports and scores http://www.mycredithistoryreport.com, Credit Rating Score – explore here the essence of credit scores and ratings

Duration : 0:2:12

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Top 20 Credit Score Frequently Asked Questions

credit reports and scores http://SmartMovesToGrowRich.com Laura Adams, aka Money Girl, gives you the answers to the top 20 frequently asked questions about credit reports and credit scores.

Duration : 0:13:15

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Credit Scores & Reports : Disputing Medical Information on a Credit Report

credit reports and scores Disputing medical information on a credit report requires getting a copy of your credit report from all three credit reporting bureaus, making sure the dispute is legitimate and hand-writing a letter stating the case. Send a certified copy of the letter to each credit reporting bureau with instructions from a certified financial consultant in this free video on credit reports.

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz

Duration : 0:2:3

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Do Women Earn Less than Men?

women and money Students, get a full week of this at a summer seminar: http://lrnlbty.co/Hvopp9

Are women discriminated against in the workplace? Looking at the data, women on average earn an annual wage that is approximately 75% that of men, which many people believe is the result of discrimination. However, when Prof. Steve Horwitz analyzes the data more closely, he finds that women make certain choices, such as career selection and raising children, which tend to result in lower wages than men. These choices could be the result of personal preferences or sexist cultural expectations for women’s work, though the relative influence of these two factors remains unclear.

More Information:

Cities Where Women Outearn Male Counterparts: http://blogs.wsj.com/economics/2010/09/01/cities-where-women-outearn-male-counterparts/

An Analysis of Reasons for the Disparity in Wages Between Men and Women: http://www.consad.com/content/reports/Gender%20Wage%20Gap%20Final%20Report.pdf

Diana Furchtgott-Roth’s testimony before the Joint Economic Committee in 2010: http://jec.senate.gov/public/index.cfm?a=Files.Serve&File_id=2a1f8ad4-f649-4ad3-a742-268d946962db

Watch more videos: http://lrnlbty.co/y5tTcY

Duration : 0:4:0

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Women and Money

women and money Are men or women better at investing?

“This is not only a fun question but it is of great practical value,” says INSEAD Assistant Professor of Finance Lily Fang, who hosted a Women and Money forum at INSEAD recently.

Duration : 0:12:49

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Is it possible to get a FICO score for free? (and how to repair your credit report)

credit reports and scores Jean Chatzky is correct, you cannot get your FICO score–the score that is used by lenders–for free.

However, if you want an approximation of that score, there are a few companies that will provide them for free.

But keep in mind, that each free attempt will in fact add an inquiry to your report which has been known to lower your score. See credit score myths below.

And all [except MY FICO] are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores.

Only the FICO score from myfico.com is used by lenders to determine your credit worthiness.

CreditKarma.com:

Gives you your TransUnion score. But it is Advertising-supported.

E-Loan:

Experian score. If you visit their website, be sure to scroll down to “One-Time Credit Snapshots” and “Free Credit Score (Credit Score Only)”

Prosper:

Experian score.

Feel free to ask any credit related questions in the comments section of this video. I’ll be happy to answer them if I can.

ALSO, PLEASE FREEZE YOUR CREDIT REPORTS!!!!!!

and please go to www.optoutprescreen.com to opt out of all offers of credit and insurance for 5 years. Don’t bother with the permanent opt-out.

Credit score myths:

Myth: You have only one credit score.

You actually have three scores, one from each of the three bureaus (Experian, TransUnion, and Equifax). They use the same “equation” from Fair Isaac Corporation but they each collect their own data, they each have their own slightly different weightings on the score components, and they each make their own share of mistakes. This is why it’s important for you to review each of your credit histories each year using government sponsored AnnualCreditReport.com. Some lenders pull your score from all three and use the middle value, some only pull from one. In the end, you need to ensure your information is 100% accurate.

Myth: Checking your score will hurt it.
There are two types of inquiries – soft inquiries and hard inquiries. A hard inquiry is when a financial institution uses your credit history to determine whether or not to extend you credit. A hard inquiry will appear on your report and negatively impact your score (this is why experts recommend you avoid applying for credit cards right before a mortgage application). A soft inquiry is when an institution uses your credit history to confirm your identity or when you personally review your credit history. Since it’s not used for a lending decision, it doesn’t negatively impact your score. Checking your history or score will not hurt your credit.

Myth: Shopping around for the best loan will hurt your credit score
Shopping around for the best loan will result in a lot of hard inquiries on your credit report but this is a special case. For mortgages, home equity, and car loans, a flurry of hard inquiries won’t hurt your score if they are within a 14 or 30 day window. Credit bureaus understand you will be making numerous inquiries to get the best deal. This rule does not apply to credit card application inquiries, each one of those will hurt your score regardless of how quickly you do them.

Myth: My FICO score dictates whether you get credit and at what interest rate.
Truth: The FICO score is a very important part of determining whether you get credit and at what interest rate but it’s not the only thing lenders use. When you apply for a loan, lenders will ask you for your bank account statements, your paystubs, and your outstanding debts in addition to pulling your credit. Lenders want to know whether you will be able to repay the debt and they cannot rely just on the score alone. If you have a lot of debt compared to your income and a high credit score, lenders could deny you credit. If you have little debt compared to your income and a low credit score, lenders could still extend you credit. Score is not the final arbiter, just a part of the equation.

Myth: Getting married will hurt (or help) your credit score.
After you are married, each spouse still has the same credit worthiness they had before they were married. Your scores won’t increase or decrease because you were married. The reason why people believe this myth is because when you start applying for loans, you’ll be applying for a joint loan where both spouses will be responsible. In this case, your aggregate score can go up or down. However, the act of getting married doesn’t change one’s credit worthiness.

Duration : 0:2:13

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Credit Scores & Reports : How to Check Your Children’s Credit Report

credit reports and scores Check an underage child’s credit report by sending a request with proof of guardianship to the credit reporting bureaus. Find out how it is illegal to get the credit report of a child over the age of 18 with information from a certified financial consultant in this free video on credit reports

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz

Duration : 0:1:25

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Are women unhappier because of money?

women and money FEEL FREE TO LEAVE ME A COMMENT, COMPLAINT, HATE, LOVE, WHATEVER ON MY VOICEMAIL AT: (386)-473-1793.
Marc Rudov and Tracy debate if women are unhappier because of money. Edited by Kenny J on 07.06.2009

Duration : 0:5:29

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Women & Money by Suze Orman

women and money Why is it that women, who are so competent in all other areas of their lives, cannot find the same competence when it comes to matters of money? Suze Orman investigates the complicated, dysfunctional relationship women have with money in this groundbreaking new book.

Duration : 0:1:54

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Secrets of Building Your Credit Report: Fico Scores

credit reports and scores NO CREDIT IS TREATED LIKE BAD CREDIT, LEARN HOW TO BUILD YEARS OF EXCELLENT PAYMENT HISTORY

HOW TO SAVE HUNDREDS OF DOLLARS BY RESTORING YOUR CREDIT RATING

WE MUST EDUCATE OUR FAMILIES ON WHAT CREDIT IS. HOW TO USE AND GET CREDIT.

THIS A SIMPLE WAY TO BOOST YOUR CREDIT SCORE BY 50-75PTS IN 30 DAYS OR LESS

DISCOVER THE TRUTH BEHIND GETTING NEGATIVE ITEMS REMOVED FROM YOUR CREDIT WITHOUT COMMITTING FRAUD

Duration : 0:3:33

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