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month to rent the house while saving up to eventually buy it. This is a great option because it will get people into a house again, stimulate the economy and give them the chance to eventually buy a house. Another option is to improve your credit score. Because of foreclosures and not being able to…

housing crash meant a lot of homeowners suddenly became renters. If you rent after your foreclosure, look for a landlord who participates in Experian’s “RentBureau program”. Timely rental payments are reported and can also help boost your credit score. Also be aware that renters are attractive to mortgage backers and some lenders. That puts you in a position to buy…

There are some stringent laws that are governing the credit freeze and you should follow the same on a sincere note. In this case, reviewing reports can be acquired for freezing the credit. Identity verification is very much needed so that credit score can be easily…

speak their native language. Immigrants are more prone to theft as large amounts of cash are carried and/or kept in their homes. In addition, monthly bank fees can become overwhelming over time. Lastly, lack of credit and understanding of credit score keep low-income immigrants from access to loans. In an effort to encourage immigrants to partake in the formal financial and banking system of the U.S., we must overcome the cultural, language, and economic barriers that immigrants face. It is…

Have you been assigned a poor credit score by the financial institutions? You must take steps to repair your credit score immediately as a poor credit score can have a lot of undesirable consequences. Here are some tips for fast credit repair: 1) Use your old credit cards - Here's a trick that most people don't know about. Experts suggest using your old but valid and usable credit cards. Since the card is old, its date of issuance would be earlier than the present credit lines and credit…

Imagine you’re dying because you’re sick. You have no choice but to die because you don’t have enough money for the drugs. The prices of medication has ridiculously expanded.Out of all medication drugs are the the most inspensive medication. Just by having a simple cold you need to take medication before it gets any worse. To buy medicine you need money weather it’s little or not money is money. The government should impose drug price limits because many people don’t make a lot of money people…

Debt validation is a powerful credit repair tool, but like many credit repair techniques it must be approached properly to get the optimal outcome. When done right debt validation can provide wonderful results including proof that the collector has the legal right to collect and an accounting of the amount due. And there are many cases when the collector, unable to provide the documentation required, will quietly vanish from your life. Respond to Collection Letters Quickly Collection letters…

is one of the most crucial essentials next to rent, food, and utility bills; and since I have a poor credit score, I must restore my credit while in college to achieve a 700 by the time I graduate. Credit scores range from 300 to 850, and a good score is usually higher than 670 which came to know working with my previous employer, MyFICO, who provides consumers with their true credit score and report in addition to educating consumers on repairing and rebuilding their credit. To fix my credit, I…

Identity Theft Protection by IFSM 201 Feb 25, 2015 According to the Federal Bureau of Investigation (FBI) “… a stolen identity is a powerful cloak of anonymity for criminals and terrorists…and a danger to national security and private citizens alike…” (Identity Theft, 2010). Identity theft has been for many years the number one growing crime across America. According to the Bureau of Justice and Statistics (BJS) 16.6 million people were victims of Identity theft in 2012, with…

Retrieved from http://www.consumer.ftc.gov/articles/0152-credit-scores Hatton, C. (Octorber 26, 2015), “China 'social credit ': Beijing sets up huge system”, BBC news. http://www.bbc.com/news/world-asia-china-34592186 Stanley, J. (October 5, 2014), “China’s nightmarish citizen scores are a warning for americans”, American civil liberties union. Retrieve February 21, 2016 from https://www.aclu.org/blog/free-future/chinas-nightmarish-citizen-scores-are-warning-americans Silverman, R. (2016 ,…