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Free Credit FICO Score Law Passed By The Senate! - 07/31/10 11:02 PM
Free Credit FICO Score Law Passed By The Senate! People who are denied credit or a job because of their credit report history may soon be able to get their credit report FICO score free of charge, thanks to an amendment passed by the Senate Monday evening! The measure, was a part of the massive Wall Street reform bill being debated in the Senate, would expand an existing law that was passed in December 2003, gave consumers the right to one free credit report every year from each of the top three consumer reporting agencies -- Equifax, Experian, and Trans Union. (13 comments)
Top Ten (10) cities for young adults in the USA! - 07/29/10 05:55 PM
Top Ten (10) cities for young adults in the USA! According to Kiplinger Magazine, here are 10 cities in the U.S. that offer exceptional opportunities for young adults who're starting out in a new life! Here's the list: Number 1 Austin, Texas Number 2 Charlotte, NC Number 3 Chicago, IL Number 4 Houston, Texas Number 5 Kansas City, Mo Number 6 Lansing, Mich Number 7 New York, N.Y. Number 8 Portland, Ore Number 9 Salt Lake City, Utah Number 10 Washington, D.C. This is just FYI only! Thanks. (3 comments)
Wow I finally reached the century mark (100,000)! - 07/28/10 08:00 PM
Wow I finally reached the century mark (100,000)! I have been work hard on my active Rain account for about Five months more or less! It finally pays off I have reached the century mark (100,000)! There's one beautiful lady I owned her all the credits for reaching the milestone, who should be nameless to protect the innocence she helped me alone the way with her steadfast support and encouragements in her words this is a great accomplishment! So therefore my gratitude and appreciation goes out to her! Thank you, thank you, and thank you! Adam Malachi (16 comments)
Xcel Energy (888)-895-4999 IREA (Rural area) (303)-688-3100 This is good information's to have handy anyway! This is just FYI only! Thanks. (5 comments)
What's Your Number? - 07/27/10 08:11 PM
What's Your Number? I ‘m not referring to your telephone numbers; I'm referring to your FICO credit scores! Your FICO credit scores it's a numerical calculation or summary of your credit history! It's very important to know your FICO credit scores! Since it's combinations of numerical, creditors, and lenders! Your credit can be easily assessed by your lenders for credit risk to make decision regarding extending a credit, loan, and credit cards to you! Your FICO scores can be range from 300 points the worse credit scores to 850 points the best credit scores! In my opinion consumers with higher FICO (2 comments)
If applying for credit here's what the lender are looking for? - 07/26/10 04:28 PM
If applying for credit here's what the lender are looking for? When a borrowers/consumers applies for credit, the lenders/creditors wants to know whether the borrowers/consumers has the ability and willingness to repay their debts! The lenders/creditors will considers the three C's in making their decision:
Capacity of borrower/consumers: Fist of all do you have a steady job for the last two years! What's your salary and how's reliable your income! What's your current living expenses can you afford the new life style! How much are your open (2 comments)
Your favorite quote can be inspirational or otherwise!
Here is some of my favorite quotes:
We are the sum of our actions, therefore our habits make all the difference.~ Aristotle
People may not remember exactly what you did or said, but they will always remember how you made them feel.~ B.C.Forbes
Success will never be a big step in the future, success is a small step taken just now.~ Jonatan Martensson
Thank you very much for sharing your quotes!
Adam Malachi (4 comments)
The Best Used Sport Utility Vehicle (SUV)! - 07/25/10 03:45 PM
The Best Used Sport Utility Vehicle (SUV)! To help us narrow the field, here's a list of Consumer Reports recommended used SUVs. These vehicles have performed well in our road tests, have average or better reliability, and have performed adequately if included in crash tests complied by private insurance safety experts! The Denver Metro area is the SUV capital of the world!
Small SUVsRanked by reliability This is just FYI only! Thanks. (3 comments)
Top Seven (7) Job to Skip College For! - 07/25/10 03:20 PM
Top Seven (7) Job to Skip College For! According to expert here's the list of the Seven (7) Job does not require high level of education: 1. Freelance Photographer: $47,800 median salary! 2. Private Detective or Investigator: $50,600 median salary! 3. Elevator Mechanic: $61,500 median salary! 4. Nuclear Power Reactor Operator: $79,100 median salary! 5. Personal Trainer: $37,500 median salary! 6. Director of Security: $62,400 median salary! 7. Air Traffic Controller: $60,200! In my opinion There's no high-paying job that doesn't require a high-level skill/education! This is just FYI only! Thanks (6 comments)
First question to ask your mortgage lender is what type of loan I am getting from your mortgage company; Conventional, FHA, VA Etc.
What will the monthly payment be? Is that payment per month, every month for the live of the loan? Could it be increase? If so what would my new payment be? Could my monthly payment increase for more than one time? If so what is the main reason for the increase? Does my monthly payment include an escrow to pay my homeowner insurance, and (2 comments)
According to The federal home buying tax credit program cost taxpayers an estimated $46.2 million for homes that closed in the Denver area in May and June, according to an analysis by Inside Rea Estate News dot com The value of the homes purchased that would be eligible for the tax credits - up to $8,000 for first-time home buyers and $6,500 for qualified existing home owners buying up or down- is $1.45 billion! Local real estate offer mixed-opinions on whether the tax credit stimulus - a dollar for dollar write off, which (3 comments)
Your favorite quote can be inspirational or otherwise!
Here is some of my favorite quotes:
Generous Gestures yield the most when that isn't their purpose.~ Malcolm Forbes
How often could things be remedied by a word. How often is it left unspoken.~ Norman Douglas
You never too old to do goofy stuff.~ Ward Clever
Thank you very much for sharing your quotes! Adam Malachi (12 comments)
Fast and easy way to increase your credit FICO scores! - 07/19/10 07:13 PM
Fast and easy way to increase your credit FICO scores! Before you start any loan application of any kind, Make sure that all your credit cards balances are at 30% or less, and the limit is $5000 or more, and have the credit for Five years or more! Also that your credit limit are posted on your credit report! Make sure your credit is being reported to all three credit-reporting agencies! Otherwise your three scores will very if it is only posted by one credit agency and not by the two other! Make sure that all good credit is reported to (8 comments)
Why the FICO Scores was created? - 07/18/10 09:38 PM
Why the FICO Scores was created? The Fair Isaac Corporation, known as FICO, created the first credit scoring system in 1958, for American Investments, and the first credit scoring system for a bank credit card in 1970, for American Bank and Trust. Because a score does not consider race, sex or ethnicity, it is generally considered to be the most fair and objective underwriting tool available to lenders. The Federal Reserve Board did a study that noted scores have increased the availability of credit and reduced the cost of credit. Scores have also proven to be very predictive in assessing risk (15 comments)
Here are few steps to take to help minimize the risk of becoming a victim of Identity fraud! - 07/18/10 08:40 PM
Here are few steps to take to help minimize the risk of becoming a victim of Identity fraud! By following few steps bellow you can definitely minimize the risk of identity fraud! 1, always deposit your outgoing mail in the post office collection box or in the post office itself! 2, never ever give your personal information's over the phone, internet, and by mail unless you have initiated the contact! 3, always keep your personal information's in a safe place, like safe deposit box in your bank, etc! 4, you must reduce the number of credit cards you're using so you (3 comments)
There are many benefits of credit report FICO scores among theme:
Will increase the speed and efficiency of creditors/lenders credit decisions!
Will increase the availability and variety of credit!
Will assist the creditors/lenders in making unbiased decisions!
And finally it wills standardize/ efficienize the credit granting process!
This is just FYI only! Thanks. (10 comments)
Denver Metro Homeowners Could saves about $ 600 Million annually! - 07/15/10 09:05 PM
Denver Metro Homeowners Could saves about $ 600 Million annually! The Denver Metro area homeowners could potentially save almost $600 million a year by refinancing their mortgages into the record-low rates available, according to an analysis by Inside Real Estate News dot COM While there does appear to be an up tick in refinancing, phones are not ringing off the hook in lender offices. Meanwhile, even the trifecta of good news for home buyers - super-low rates, housing prices well off their peaks, and an increased supply of unsold or pre-owned homes on the market to choose from - have not (3 comments)
The Best Hospital in the America! - 07/15/10 04:21 PM
The Best Hospital in the America! Not all your Hospitals are equal when it cones of being the best hospital period! Here're the ranking according to US News:
Highlands Ranch Colorado rank # 12 best city in America! According to CNN money MagazinePopulation: 98,000 With over 8,100 acres of open space, 22 lush parks, and activity possibilities that span from hiking to golf, this unincorporated area outside Denver offers the best of the Colorado outdoors. Visit Highlands Ranch Mansion! a historic structure, or one of the town's four state-of-the-art recreational facilities. A strong school district and steady home prices appeal to families. Highlands Ranch's Colorado is a great place to live, work, and play! This is just FYI only! Thanks.
According to CNN money! Eden Prairie, MNPopulation: 64,000 Unemployment: 5.1%Pluses: Plenty of jobs, very low crime, lots for kids to doMinus: Long, cold winters Columbia/Ellicott City, MDPopulation: 155,000 Unemployment: 5.2%Pluses: Booming economy, terrific schools, diversityMinus: Bad traffic Newton, MAPopulation: 82,000 Unemployment: 6.0%Pluses: Great schools, low crime, strong economyMinuses: Pricey homes, bad traffic Bellevue, WAPopulation: 124,000 Unemployment: 5.8%Pluses: Natural beauty, excellent schools, diversityMinuses: Pricey real estate, rain McKinney, TXPopulation: 125,000 Unemployment: 7.8%Pluses: Affordable homes, charming downtownMinus: Traffic headaches Fort Collins, COPopulation: 141,000 Unemployment: 7.4%Pluses: Outdoor activities, steady economyMinus: School budget cuts Overland Park, (8 comments)
Denver Metro Area Housing statistics! - 07/11/10 08:29 PM
Denver Metro Area Housing statistics! The top 10% of the homes, those that sell for over $460K The top 5% starts at $600K+. The top 1% of the most expensive homes sold is those over a million!
From 1/1/2008 to 6/30/2010, for all of the sold that was reports in the MLS for the Denver metro area. So that doesn't include Boulder, Ft Collins, Colorado Springs, or the mountain resort areas! Sales were up in second quarter (2Q) 2010 vs. second quarter (2Q) of last year 2009 is plus (+13%) overall! The number of REO and bank owned foreclosures sales peaked (2 comments)
Good news for Denver Metro area Realtors - 07/11/10 02:41 PM
Good news for Denver Metro area Realtors! This is a quick analysis for Denver Board of Realtors (DBR). You might find it interesting! In summary, the average income per Realtor is up about 18%!!!!!! Thanks to the tax credits. Many of us realtors have been beneficiaries of this! You should try to bank some of it and save it! The third quarter (3Q) (and possibly the fourth quarter (4Q) will be a little slower than normal. Many of the consumers that bought in second quarter (2Q) they were taking advantage of the first time buyer and second home buyer's tax credit! This (0 comments)
How do you feel and how do you treat your self! - 07/10/10 06:34 PM
How do you see and treat your self? Give it a read and let me know what do you think? Love and Appreciate yourself, because if you don't love yourself you are not loving someone else! Be honest with yourself, and with all others! Express yourself truthfully and freely! Know that you are abundant and be carefull! Remember humor, have fun, and don't take life so serouisly otherwise you will never come out of it alive! Don't forget to take your time to choose wisely! There's nothing at all greater than or lesser than yourself! Nothing and no one can/will harm you unless (9 comments)
Here are few questions always the consumers are concern with!
Q, Can a credit reporting agencies/bureau deny my credit loan application?
A, No, it's very important for consumers to understand that the credit reporting agencies/bureau do not make the lenders/banks/creditors decisions, they do not approve nor deny you any credit. They only report your credit information's and sell it to their special subscribers for fees!
Q, Is all my information's reported and updated automatically by the credit reporting agencies/bureau?
A, No, while the majority of information's is reported automatically to the (1 comments)
I'm divorcing now. How does that impact the joint account we ounce had? - 07/07/10 04:06 PM
I'm divorcing now. How does that impact the joint account we ounce had? In the event of dissolution of a marriage (Divorce) all financial obligations incurred during the marriage are the responsibilities of both parties/partners regardless of how each of them contributed to that obligation! Even if a divorce decree an agreement was made for one spouse/partner to be responsible for certain debts, most likely the creditors will still hold both spouses/partners responsible regardless of the court decree. During the divorce spouses/partners are encourages to close all joint accounts, stop using all credit cards, and avoid applying for new credit while (6 comments)
When a borrowers/consumers applies for credit, the lenders/creditors wants to know whether the borrowers/consumers has the ability and willingness to repay their debts! The lenders/creditors will considers the three C's in making their decision;
Capacity of borrower/consumers: Fist of all do you have a steady job for the last two years! What's your salary and how's reliable your income! What's your current living expenses can you afford the new life style! How (6 comments)
Your responsibilities as borrowers/ consumers to keep up your good credit history!
You should make sure that you use only 30% or less from your credit cards credit limits, and make your credit limits is at least is $5,000.00 if not call your credit cards companies and ask them to raise your credit limit!
You must pay your bills on time every time, because one late payment does hurt your credit!
You only borrow what you can afford to repay!
Please read and understand any and all (6 comments)
As United States of American Citizens what is the 4th of July means to you?
Is it the United States of America Birthday Party? Is it because of our brave's men's and women's in uniforms past and present sacrifices their lives to defending our Freedom and our way of life and our beliefs?
Is it our pride in the United States of America Founding Fathers ideals?
Is it the United States of America Celebrations of diversity to all it Citizens?
A credit report is a factual for how we are as an individual repaying our credit obligation now and in the past! The credit bureaus/ credit reporting agencies maintain computerized records of each and every individual and they sell it for profits to a lot's of businesses and companies!
These for profits companies i.e. Equifax, Experian, and Trans Union maybe privately owned and or publicly traded on Wall Street!
They collect our information's form variety of sources i.e. Consumers, Creditors, Public Records, External and Internal Inquiries!
And distribute our account information's to their (2 comments)
Face Book security! - 07/01/10 10:00 PM
Face Book security! If you wants to protect your account on your Face Book and all your friends phone numbers from falling into the wrong hand, my account was hacked ounce by a dyslexics message! First go to the top right of your screen, click Account, then click Edit Friends!then go to the left side of your screen and click Phone book for all your friends, Everyone phonenumbers is being published There! Please re-post to let all your friends know of this change in security..... so they may remove their ...phone...... numbers and change their privacy settings. ...I found many of (3 comments)
Fireworks are illegal in the City of Aurora! - 07/01/10 07:42 PM
Fireworks are illegal in the City of Aurora!The sale, use or possession of all forms of fireworks is against the law in City of Aurora. This ban includes retail fireworks stands and the lighting of fireworks that may have been purchased legally outside of the city. Professional fireworks displays conducted by state licensed firework operators are allowed only with proper permits obtained from the appropriate fire protection district! Fireworks are defined very broadly in the City of Aurora. It covers all forms of fireworks, including bottle rockets, sparklers and snakes. The fireworks ban will be enforced by the Arapahoe County Sheriff's (0 comments)
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