Things that can build a credit score...or erode one....

FICO recently unveiled what they call damage points; how much a credit score is lowered due to negative items appearing on your report.
Now you know.
If you are buying real estate in the next 6 months and you want to get a loan you should watch this video because you can hurt your credit scores if you aren’t careful. The people who rate your credit put together a video explaining how your choices can lower your score... for example opening new accounts to get a discount.
Compare and then save at Godaddy.com Compare and then save at Godaddy.com www.GoDaddy.com .com .us .net .org .biz .info .mobi .me .ws ...
How to Protect Yourself from eBay Fraud Thereâs no way to measure what percentage of eBay auction items that are being sold are fraudulent, or what percentage of eBay buyers have no intention of actually paying for the item, but the sheer number of attempts to fraud honest eBay members is most certainly a growing problem. You...
Late Again (Part One): People Who Have or Will Have Died at Least Twice It has happened for just about ever, and will end just about never: premature obituaries. What was once a gossipy word-of-mouth process evolved to the printing press, then radio and TV, and currently email and websites. An erroneous report or claim of death is caused by many factors – fraud,...
The New Thai Boxing Blog of Island Muay Thai Koh Tao Welcome to the Island Muay Thai Boxing Accademy This is the home of the Thai Boxing School "Island Muay Thai" in Koh Tao Thailand. Here is where all the thai boxing news will kick in shortly. We will add fight reports, pictures and videos on this blog not only from...
Some Realy Cool Christmas RSS Icons. I was thinking of creating a set of Christmas RSS Icons for my subscribers when I chanced upon this set at ajaxpath.com. The download link cam be found at the footer of my feeds. From time to time I will be adding goodies and freebies links to my feeds,...
Book Giveaway: Warren Buffet Speaks-Wit And Wisdom From The World's Greatest Investor. Hear Ye Hear Ye - Want a free book about Warren Buffet, the "World's Greatest Investor"? Then you have come to the right place. I am giving away this funny and insightful book (the new edition) into the mind of Warren Buffet that any fan/investor will find at home...
learning to let go, part 2 I talked about learning to let go before, in the context of letting go of stuff. It's easy to get attached to stuff. People keep the tchotke from their wedding, that special mug from the first time they visited Cleveland and the wedding program of their 8th-best friend. But the...
Five Personal Finance Myths That You Need To Ignore A lot of hear some basic tenets of personal finance when we’re young, and tend to accept them as fact without ever really thinking about the merits of the statements being made. At this time, we’re too young to know the difference, and we hear these things from adults, so...
Somebody is watching you Who's watching, Tell me, who's watching, Who's watching me Somebody's Watching Me, Rockwell, 1984 I love going to church and listening to our pastor's sermons. Funny, I remember a time when I would literally count down the time to when church service was over. Now that I am older...
Looking For A Quick Way To Reduce Personal Debt? Many people believe that there is no way that they will ever be able to reduce their personal debt, but by following some simple tips, a person can reduce their personal debt quickly and maintain their financial stability for many years to come.
Review: Secrets Of A Stingy Scoundrel You need friends in retail places. You’ve got friends in high places that could help you get a job but won’t. And you’ve got friends in low places that make you feel better about yourself. But you need friends in retail places. Need furniture? Make a friend at IKEA. Electronics? ...
4 Easy Little Touches Anyone Can Do To Their Home When it comes to home renovation, many people are under the impression that it means big projects that are costly. Actually, there are many different small and inexpensive projects that can be done that will not only make your house look great, but also increase its value. Most of these...
Forums Are A Marketer's Goldmine - Step 2 Forums Are A Marketer's Goldmine - Step 2 Step 2: Loitering and Lurking - Not Against the Law in Forums Once you’ve found a worthy forum (one with a good number of posters that allows sig files), go ahead and register for the forum. Normally, you’ll only need to provide...
How to Fix Your Home for Summertime /caption] When the leaves grow back, the April showers give way to May flowers, and the sun starts shining again, it can only mean one thing: summer's back. If you live in a northern state where summer isn't exactly a year-round thing, this season of fun in the sun is...
Reasons For Conducting Reverse Email Searches Check Out Our Reviews Of The Top Email Finders Today! By this time you probably have searched around and know all about reverse email search services. Basically these are companies that offer you access to their databases full of contact information on whoever you may be looking for. The big...
how to be a good partner to a stay-at-home spouse You may not realize it, but being a good spouse to a stay-at-home parent is a hard job in and of itself. There are few key actions you can concentrate on to try and help each other. I am terrible at almost every single one of these tips, so for...
How to Eliminate Your High-Interest Consumer Debt. It’s easier than ever to borrow money to pay for all the things you want in life. You’ll be offered financing for your house, your car, a large television, new furniture, recreational vehicles and the like. Even for smaller items you can use a credit card to get yourself into...
A New Trick For Stemming Inflation? The Fed Now Pays Banks Interest For Masses of Excess Reserves Here's a graph showing the amount of "excess" (beyond required amounts) reserves held by U.S. banks. It covers quite a span of time, but it's the best-looking one I found showing the relevant data. The graph also gives just a bit of sense of the extent of the unprecedented nature...
Banks Aren't Taking Back Foreclosures Lenders are now making it tougher for homeowners to just literally walk away from a home that has been foreclosed on and the value has gone below the outstanding mortgage amount due. The bank lenders are no longer going to take back the property so the homeowners will now need...
RateLadder Requests Prosper Loan I am requesting a Prosper Loan. I am a AA, homeowner, verified bank account, Prosper lender with an 11K+ lending portfolio. This is my 1st foray into borrowing on a p2p website. I believe in p2p lending and with this loan I will gain a borrower's perspective. My loan matches the...
What Happens When The Banks Pay Back TARP Money? Goldman Sachs says they're ready to pay back TARP money, but what happens once they do it? To some of you I'm sure there is nothing that gets your jollies going better than a juicy headline from the likes of Perez Hilton. While infatuation with Hollywood celebs requires a certain...
Dig Yourself Out of Debt: Cleaning Up This is part 5 of the 5 part series “Dig Yourself Out of Debt”, published every Thursday. Surfing old posts? You can catch up on Part 4 by clicking here, or start at the beginning by clicking here. Hopefully by now you have worked out what you owe, started...
Getting Out of Debt Quickly pt 3 This is part 3 of a 4 part series on getting out of debt quickly. Make sure that you read all four parts in order to get the most out of this sequence of hints on getting yourself or your family out of the debt trap. Make sure that you...
App Bank: Making Social Money After months of development and operation in stealth mode, we are excited to announce the release of our crowd-sourced, paid content platform. This patent-pending system is the first platform that allows developers to make money for creating applications on Facebook. Anyone can do it, there's no need to understand computer...
Checklist: Calculating the Total Cost of an IP Phone System Checklist: Calculating the Total Cost of an IP Phone System TCO involves everything from network preparation to maintenance to bandwidth costs. by Robert Poe | January 20, 2009 Knowing what you're going to have to spend on a new IP phone system requires more than looking up the price of...
Tax Free Retirement Investing with Your Health Savings Account Several years ago, my employer switched our group health insurance to a high deductible plan with a Health Savings Accounts (HSA). Unless and until the Obama administration manages to totally revamp our health care system on a national scale, I suspect that many baby boomers will be introduced to the Health Savings Account...
New Credit Card Law - Helps or Hurts? With the passage of the new Credit Card Accountability Responsibility and Disclosure Act of 2009 also known as the Credit Cardholders' Bill of Rights Act of 2009, the Obama administration is being hailed as the savior of the little guy. President Obama wants to ensure that people use cards...
Are you financially secure? With the economy at the top of almost everyone's watch list, job security is a thought that comes up often in discussions with others. Each day the number of people losing their job increases and for some the idea of trying to go out and find another job is a...
First Lessons Learned as a Volunteer Tax Preparer A few weeks ago I wrote about my decision to obtain IRS certification as a volunteer tax preparer for the VITA and TCE/AARP Tax-Aide programs. Last week was my first opportunity to meet with four people who had made appointments to receive help with their returns. The volunteer office...
4 Things to Do During Camping 'Downtime' /caption]Let's face it: even on your most active day of camping - fishing, hiking, boating, building fires - there's still going to be some downtime. After all, even the U.S. Marines enjoy a certain amount of free time every day. If your day has been active enough, you might only...Managing your credit and personal finances can be an exhausting task to take on all alone. Regardless of whether you’re in debt or in the clear—or whether you’re a financial whiz kid or not at all financially minded—online tools can help you successfully manage your credit.
1. Mint
3. SmartyPig
4. CalcEnstein
5. CardTrak
6. Bankrate
7. CNN Money
Follow these 4 steps to ensure a low credit score won’t affect your job eligibility:
1. Know your credit score before the employer credit check. By law, you are allowed a free annual credit report from each of the 3 reporting agencies: Experian, TransUnion and Equifax. Before applying for a job, request your report to determine how healthy or unhealthy your credit actually is.
2. Check your credit report for any errors. If you notice any wrong information, first contact the credit reporting agency in writing to contest it. The agency will then work to either verify the information or delete it from your report. If the information is deleted, a corrected report can be sent to anyone who received a copy during the past 2 years for employment purposes. If the investigation does not end in your favor, you can have a statement of dispute added to your report.
3. Work with a credit counselor to improve poor credit. Credit counseling services can guide you through the process and offer valuable information to help you improve your situation. Some counselors charge for their services, while other nonprofit counselors offer their services for free.
4. Use a credit monitoring service. These services monitor your credit profile on a daily basis and alert you to any changes reported by each of the 3 reporting agencies.