James R. DeBoth, President-Mortgage Market Information Services, Inc.SEOOnce upon a time not too many years ago, having bad or even slightly damaged credit could block you from getting a home loan. Today it just makes it more expensive. How expensive? Subprime” loans, as they are called, can cost from two to six percent above conventional …
Bad Credit Isn’t a Roadblock to Home Ownership, Its a Detour Read More »
It’s Not Really The Credit Card That You’re Pre-Qualified For Stef Donev Financialpages.com The next time you get a letter from Visa or and telling you just how wonderful their MasterCard announcing that you are already pre-qualified, special gold or platinum or zirconium credit cards are, and about their low, low Annual Percentage Rate of …
Rick Swartz, senior credit analyst and CEO of Kern County Credit Consultants, agrees. Swartz said it isn’t hard to improve your FICO score, but it takes time.”If it took you two years to destroy (your credit), it’s going to take two years to rebuild it.” Bakersfield Californian
Rick Swartz, senior credit analyst and CEO of Kern Valley Financial Services in Bakersfield, has seen a slight surge in clients interested in resolving credit card debt. “It’s lack of income,” he said. “People are out of work. “But many consumers are still running up their credit, he said. Swartz said stores and credit card …
…”Swartz explains that under the law you are responsible for charges up to $50 after you have told them it is lost or stolen, or disputed the charge.” Credit-Cards.Interest.com Rick Swartz, a credit advisor with Kern County Credit Consultants in Bakersfield, CA, explains that as far as the health and job loss insurance goes, it’s an …
Credit Cards Rate Averages and Basics-Credit Cards.Interest.com Read More »
Rick Swartz, a counselor with Kern County Credit Consultants, in Bakersfield, CA, says Your APR is the interest rate on the loan. this is why it is also called a revolving line of credit. What makes credit card APRs different is the fact that it is always being applied to a different number, If you …
Rick Swartz, a credit analyst with Kern County Credit Consultants in Bakersfield, California Remember, that while we tend to focus on the interest rate when we are shopping for a home loan, there are other costs as well, such as points, loan application fees, and processing fees. Ask the lender what the total cost of the loan …
“I have never seen a credit report that was 100 percent accurate,” says Rick Swartz, of Kern County Credit Consultants, in Bakersfield, California .Some are minor mistakes, while others are major ones. They can range from inconsequential errors, such as the wrong spelling of your name, to serious ones such as listings for credit cards that you …
