http://factoidz.com/experts-in/personal-credit/ personal credit articles on Factoidz en-us http://factoidz.com/breaking-down-the-financial-advantages-of-buying-a-home-with-a-mortgage/ http://factoidz.com/breaking-down-the-financial-advantages-of-buying-a-home-with-a-mortgage/ Buying a home creates many advantages, so many that one article will probably not be enough to list them.  Buying a home using a home mortgage also creates many advantages if done correctly, and since there is a lot of negative feeling out there about mortgages let's address... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/buying-a-home-get-good-advice.jpg http://factoidz.com/will-obamas-new-credit-card-bill-turn-the-tables-on-the-industry/ http://factoidz.com/will-obamas-new-credit-card-bill-turn-the-tables-on-the-industry/ President Obama’s sweeping reforms on the credit card industry should be signed into effect today, enacting consumer protection from predatory lending practices by giant credit card companies such as Chase, Citi, and Bank of Amer... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/images/p/investing-2.jpg http://factoidz.com/borrowing-at-0-the-good-the-bad-and-the-ugly/ http://factoidz.com/borrowing-at-0-the-good-the-bad-and-the-ugly/ If your credit is halfway decent (and sometimes even when its not), you've gotten one of these offers at one point: We're your friendly neighborhood credit card company!  We love you so much, we want to lend you money at incredibly low rates for 6 months, or a year, or maybe the life of ... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/borrowing-at-0-the-good-the-bad-and-the-ugly.jpg http://factoidz.com/how-your-personal-credit-can-affect-your-home-business/ http://factoidz.com/how-your-personal-credit-can-affect-your-home-business/ Many financial advisor's will tell you that if you have no debt and don't borrow money, your credit score doesn't matter. In a perfect world, this might ring true, however there are situations in which a low credit score can cause you to miss out on opportunities. You already know that maintaining a... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/how-your-personal-credit-can-affect-your-home-business.jpg http://factoidz.com/zombie-debt-collectors-should-you-pay/ http://factoidz.com/zombie-debt-collectors-should-you-pay/ No, this isn’t the latest horror movie, this is something that has been going on and is now becoming a real problem for consumers. This expanding new industry has prompted a flood of complaints to state and federal agencies. ... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/zombie-debt-collectors-should-you-pay.jpg http://factoidz.com/what-to-do-if-you-are-being-abused-by-a-debt-collector/ http://factoidz.com/what-to-do-if-you-are-being-abused-by-a-debt-collector/ If debt collectors are calling you at any hour of the day and night they might be breaking the law. Debt collectors are hired by companies that you owe money to, or the collectors purchase the debt from a company that you owe money to, and they try to collect from you. Though you do owe the debt, yo... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/what-to-do-if-you-are-being-abused-by-a-debt-collector.jpg http://factoidz.com/keeping-an-excellent-credit-score-understanding-the-game/ http://factoidz.com/keeping-an-excellent-credit-score-understanding-the-game/ Understanding The Game There is a wealth of knowledge on this subject but understanding a few basic concepts will insure you are on the correct path of building your credit.  Most of your bills that you pay monthly only report to the Credit Bureaus if you do not pay them, which ... Wed, 31 Dec 1969 18:33:29 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/keeping-an-excellent-credit-score-understanding-the-game.jpg http://factoidz.com/fico-must-go/ http://factoidz.com/fico-must-go/ Interest rates are at an all time low. The Federal government has made the largest cash infusion into Financial Institutions in History for the purpose of freeing up money for lending. The housing market, the auto industry, the retail industry and consu... Wed, 31 Dec 1969 18:33:28 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/fico-must-go.jpg http://factoidz.com/8-essential-tips-on-purchasing-a-home-in-todays-real-estate-market/ http://factoidz.com/8-essential-tips-on-purchasing-a-home-in-todays-real-estate-market/ The key to this process is the relationship the buyer forms with the seller. First, search for a prop... Wed, 31 Dec 1969 18:33:28 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/8-essential-tips-on-purchasing-a-home-in-todays-real-estate-market.jpg http://factoidz.com/what-is-a-short-sale-and-can-it-prevent-foreclosure/ http://factoidz.com/what-is-a-short-sale-and-can-it-prevent-foreclosure/ Most homeowners facing foreclosure usually try to sell their home. The depressed housing market makes it almost impossible to sell their home at market value. Many homeowners ... Wed, 31 Dec 1969 18:33:28 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/what-is-a-short-sale-and-can-it-prevent-foreclosure.jpg http://factoidz.com/how-to-keep-your-public-records-safe-and-out-of-the-reach-of-identity-criminals/ http://factoidz.com/how-to-keep-your-public-records-safe-and-out-of-the-reach-of-identity-criminals/ It has become alarmingly easy for anyone to lookup personal information about you through your public records available online. More government agencies are providing access to their databases online, so that consumers no longer need to go to a city courthouse to look this information up. There's a ... Wed, 31 Dec 1969 18:33:28 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/how-to-keep-your-public-records-safe-and-out-of-the-reach-of-identity-criminals.jpg http://factoidz.com/what-is-synthetic-identity-theft/ http://factoidz.com/what-is-synthetic-identity-theft/ Synthetic ID theft is fraud which is perpetrated using a completely fabricated identity (as opposed to a stolen one). Synthetic ID theft is widely been regarded as one of the most prevalent forms of identity theft. Business firms face lots of problem in detecting synthetic ID theft. Synthetic ID the... Wed, 31 Dec 1969 18:33:28 CST personal-credit http://factoidz.com/wp-content/themes/gabtheme/images/what-is-synthetic-identity-theft.jpg