RECENT BLOG POSTS
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A Google search of "mortgage rates" returns slightly less than 12 million hits. Out of these millions of websites, some provide accurate data on rates and some skew their numbers so they look lower than average and/or omit the COST of a particular rate. Why would a company or website do this? ...
11/09/2008
The credit scoring models used by the three national credit repositories have long been a mystery to many consumers. While the methods used to determine credit scores have become much more transparent in recent years, many consumers still choose to take advice from friends and family members tha...
11/09/2008
Here is a story of a client of mine that closed after we helped repair and rebuild her credit after a Chapter 7 bankruptcy. JENNIFER - 548 Middle Credit Score Jennifer was referred to me about two years ago from a past client. She was initially convinced that bankruptcy meant that her credit was...
11/09/2008
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I try to keep my blog posts focused on topics related to mortgage, finance, credit and real estate as often as possible, but every now and then, something comes along that I have to share. Scientists are working on a new technology that is quite amazing. This new technology enables a computer t...
11/06/2008
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If you've been watching the steady decrease in gas prices over the last couple of months, you've probably been a very happy camper...unless you happen to drive a vehicle that runs on Diesel. Although the price of diesel has decreased in step with the price of crude oil, diesel still costs betwee...
11/01/2008
If you have student loans in default or ones that are currently past due, you need to take quick action to avoid these becoming a potential problem for the rest of your life. The consequences of a defaulted student loan are worse than that of, say, an electric or utility bill that goes into coll...
10/30/2008
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The economic factors and conditions that cause mortgage rates to rise and fall are somewhat complicated. Many consumers think that the government and/or the Federal Reserve actually control and set mortgage rates. Although the Fed does not directly control mortgage rates, many of their policies...
10/27/2008
If you read my previous article about Credit Default Swaps, you probably watched the "60 Minutes" video that i posted as well. "60 Minutes" did a follow up story to the one that aired a few weeks ago, so I thought i would repost the links to both stories. The first report explains Credit Defaul...
10/26/2008
I would like to introduce everyone to a new website developed by some associates of mine that are looking to create constructive dialogue regarding the housing and financial crisis: www.banksinthetank.com The site is brand new and the home page is not yet complete, but the finance and housing d...
10/26/2008
Dallas, Texas has consistently shown to have the lowest average credit score out of the largest 20 metro areas in the United States. The most recent survey from this year shows we have an average score of 669. And Texas has the lowest average credit score of any state in the nation. This is ha...
10/23/2008
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