A Merry Christmas and A Happy New Year

I found an fantastic Youtube video shared in Mr.Chris Farrell's site today,titled "THE DIGITAL STORY OF THE NATIVITY"



Disclaimer : I subscribe  membership of MrChris Farrell - Not Criminal IM Coach/Mentor

A Merry Christmas : Free Christmas Present - eBook "101 Romantic Ideas"

 A Merry Christmas and A Happy New Year
Free eBook "101 Romantic Ideas"
This eBook has nothing to do with Financials.
Most of free eBooks are useless.
But this book is very popular written by Mihael Webb who has extensive media coverage including The Opra Winfrey Show.
It is 39 pages with 101 short tips which you can easily put in practice.Please feel free to pass onto your friends as The author permits this,though you cannot sell.
Click http://cid-c8d367ec9b2a960e.office.live.com/browse.aspx/.Public and select the book and download.

Your Credit Score Explained

By Brian G Chadra

The credit score was once confined to the mortgage industry but has made its way into the general financial community. It is a three digit number that ranges from 300 to 850 and demonstrates your ability to repay an amount of money that was borrowed. This snapshot of your financial well being is examined by any creditor that your are attempting to borrow money from. It can cause denial or approval of a loan on its own merit or will cause you considerable consternation as the lending institution seeks further answers to the fitness of your request.

You see, the credit score is a summary of approximately five different factors that together total up the point values. They are listed below:

1). Payment history - approximately 35%
2). Amounts owed - approximately 30%
3). Length of credit history - approximately 15%
4). New credit - approximately 10%
5). Types of credit used - approximately 10%

Each of the items has a role in determining your number. The higher the number, the better risk you are as a loan candidate. The cut off point between a good and bad risk is generally set at 620 with persons below that number labeled as a bad risk. Surprisingly, a number between 730 and 850 constitutes an excellent risk and usually qualifies for the best interest rate. So you don't have to have a perfect score to quality (since very few people actually do), but a very good one.

There are three different national bureaus that monitor your credit rating: Experian, TransUnion, and Equifax. Although they use slightly different methods, the final three digit total are approximately the same. Consider ordering your FREE credit report to check for any errors that may be listed.

Raising your number by even a few points can save you considerable money in the long term. Good Luck.

Articles Source: Your Credit Scores Explained

Ref : Credit Score Online on the spot  National Credit Report , Credit Reports and Scores or  CreditDotCom
Credit Repair/Debt Management Visit CreditDotcom  OR Call Lexington Call Toll Free Now: 877-387-4381 for an Free informal chat.

For Home Buyers: 5 Best Websites for Credit Score Information

by Brandon Cornett

If you’re planning to buy a home in the near future, you should know your FICO credit score. In fact, your credit score is one of the three most important factors considered by mortgage lenders (along with your debt and income levels). If your score is high, you’ll have a much better chance of getting approved for a loan. You’ll also qualify for a better interest rate, which could save you thousands of dollars over the life of the loan.

It’s important to check your FICO score early on in the home-buying process, because it takes time to improve a low score. While you’re entitled to a free credit report per year, you’ll have to pay a small fee for the credit score. They are two different things. You can purchase your score from MyFICO.com — this is the company that actually designed the FICO scoring model.

But what if you check your score and find out that it’s low? You could qualify for certain types of loans with a score in 600 range, but you’ll be much better off in the mid- to upper-700 range. The question now becomes: How do I Improve my score? And that brings us to the purpose of this article.

5 Good Sources of Credit Information

Here are five websites worth visiting, if you want to learn more about your credit reports and scores:

1. www.myfico.com — We touched on this website earlier. This site is owned by the Fair Isaac Corporation, the company that created the credit-scoring model used by most lenders. They have plenty of educational articles, as well as a forum where you can post questions. It’s well worth a visit.
2. www.homebuyinginstitute.com/credit.php — On this page, you’ll find a collection of more than 100 articles relating to consumer credit. This collection was compiled over a two-year period, as readers sent in their questions. If you have a question about credit reports and scores, you’ll find the answer on this site.
3. www.annualcreditreport.com — This website is jointly owned by the three credit-reporting companies (TransUnion, Equifax and Experian). This is where you should go to request your free reports. This is the only site that is regulated by the Federal Trade Commission.
4. www.ftc.gov/freereports — Why do so many people offer “free” credit reports, and then try to charge you for stuff? It’s a marketing strategy referred to as bundling, and you can learn the truth about it on this website.
5. www.bankrate.com — This site is a treasure trove of helpful advice. In addition to credit tips, it explains the mortgage process in great detail. Start with a keyword search, or click on the “news and advice” link.

Research is the first step to home-buying success. The five resources listed above will help you get started on the right foot.

Citation Note: The original version of this article was written by Brandon Cornett. Brandon is the publisher of the Home Buying Institute, which includes one of the largest libraries of mortgage advice for home buyers.

Ref : Credit Score/Monitoring Visit  National Credit Report , Credit Reports and Scores or CreditDotCom
Credit Repair/Debt Management Visit CreditDotcom , Blue Sky Credit Repair OR Call Lexington Call Toll Free Now: 877-387-4381 for an Free informal chat