How to make your money resolutions stick
News from CBS News:

(Credit.com) At the beginning of every year, many people create New Year’s resolutions to help them develop good habits in different areas of their life — like losing weight, quitting smoking and getting more exercise. Credit.com outlined a few credit-related resolutions to help you develop better credit habits. Hopefully you added a few of those to your own and have scheduled time weekly to work on those resolutions.

But here’s the problem: Four out of 10 people give up on their New Year’s resolutions, according to a recent poll. Often, people pursue their resolutions with diligence in the first few weeks of the year, and then grow weary of the extra focus and let them go. (Just ask anyone who goes to the gym regularly — they’ll tell you that the gym is packed in the first two weeks of January and then it goes back to normal for the remaining 11 1/2 months of the year.) And this decision could cost you hundreds or even thousands of dollars.

That’s because there is a very real cost to dropping good credit habits. Here are some approximate numbers to illustrate what I mean: A lower credit score can make a difference in the interest rate you get on a mortgage. Think about it — a 1 percent bump in the interest rate you pay can add an additional $ 200 to your monthly payment for an additional $ 50,000 in interest over the lifetime of a 30-year, fixed mortgag…………… continues on CBS News

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Money Talks: 3 Best Tips to Higher Credit Scores
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Read more: Community, Consumer, KGBT, Action 4 News, Action 4 Sunrise, Barrington Broadcasting, Rio Grande Valley, Money Talks, Moneytalksnews.Com, Stacy Johnson,

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Credit score killers that cost you money
News from NewsNet5.com:

It’s one of the most mysterious numbers in our lives:  Our credit score.

We all know that a good score is essential to getting a home or car loan. But how do you improve it? And more importantly, what are the credit score killers that can hurt you?

Credit score confusion

John Puthoff thought he’d check his credit score before applying for a loan to buy a new home.

“I am getting ready to buy a house, selling mine, and wanted to see where my score was at,” Puthoff said.

But he was stunned. First, because the three credit bureaus all charge a fee, and second because they all have different scores.

“I got a score from on bureau which was higher than the 850 which is the max, so I ended up confused.”

Other consumers we spoke agreed. Figuring out the” hows” and “whys” of your score is confusing.  And figuring out why yours just dropped 50 points can be almost impossible. 

The one certain thing is that a bad score will cost you money next time you need a loan.

One woman said “it was easy to find it. As far as finding out why my score is what it is, that was difficult.” Another man told us “I think they should make it easier to look up without difficulty.”
    
What the numbers mean

Veteran credit counselor Mary Hurlbert of

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Credit score killers that cost you money
News from ABC15.com (KNXV-TV):

It’s one of the most mysterious numbers in our lives:  Our credit score.

We all know that a good score is essential to getting a home or car loan. But how do you improve it? And more importantly, what are the credit score killers that can hurt you?

Credit score confusion

John Puthoff thought he’d check his credit score before applying for a loan to buy a new home.

“I am getting ready to buy a house, selling mine, and wanted to see where my score was at,” Puthoff said.

But he was stunned. First, because the three credit bureaus all charge a fee, and second because they all have different scores.

“I got a score from on bureau which was higher than the 850 which is the max, so I ended up confused.”

Other consumers we spoke agreed. Figuring out the” hows” and “whys” of your score is confusing.  And figuring out why yours just dropped 50 points can be almost impossible. 

The one certain thing is that a bad score will cost you money next time you need a loan.

One woman said “it was easy to find it. As far as finding out why my score is what it is, that was difficult.” Another man told us “I think they should make it easier to look up without difficulty.”
    
What the numbers mean

Veteran credit counselor Mary Hurlbert of

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Credit score mistakes that cost you money
News from WPTV:

John Puthoff  thought he’d check his credit score before applying for a loan to buy a new home.

“I am getting ready to buy a house, selling mine, and wanted to see where my score was at,” Puthoff said.

But he was stunned. First, because the three credit bureaus all charge a fee, and second because they all have different scores.

“I got a score from on bureau which was higher than the 850 which is the max, so I ended up confused.”

Figuring out the” hows” and “whys” of your score is confusing.  And figuring out why yours just dropped 50 points can be almost impossible. 

The one certain thing is that a bad score will cost you money next time you need a loan.

One woman said “it was easy to find it. As far as finding out why my score is what it is, that was difficult.” Another man told us “I think they should make it easier to look up without difficulty.”
    
Veteran credit counselor Mary Hurlbert says your FICO score is the most important one : It ranges from 300 to 850.

– 750: Hurlbert says you ideally want it over 750 for the best rates. At 800, you have “excellent” credit and should have no problems.

– 725: Below 725, she says, you won’t get a zero percent car loan, or that low 4 percent home mortgage rate you see. You will have to pay more, because you don’t h…………… continues on WPTV

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Tips for securing a mortgage
News from 9NEWS.com:

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Credit score killers that cost you money
News from ABC2 News:

It’s one of the most mysterious numbers in our lives:  Our credit score.

We all know that a good score is essential to getting a home or car loan. But how do you improve it? And more importantly, what are the credit score killers that can hurt you?

Credit score confusion

John Puthoff thought he’d check his credit score before applying for a loan to buy a new home.

“I am getting ready to buy a house, selling mine, and wanted to see where my score was at,” Puthoff said.

But he was stunned. First, because the three credit bureaus all charge a fee, and second because they all have different scores.

“I got a score from on bureau which was higher than the 850 which is the max, so I ended up confused.”

Other consumers we spoke agreed. Figuring out the” hows” and “whys” of your score is confusing.  And figuring out why yours just dropped 50 points can be almost impossible. 

The one certain thing is that a bad score will cost you money next time you need a loan.

One woman said “it was easy to find it. As far as finding out why my score is what it is, that was difficult.” Another man told us “I think they should make it easier to look up without difficulty.”
    
What the numbers mean

Veteran credit counselor Mary Hurlbert of

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Equifax advise consumers to shape up on credit score
News from MyIntroducer.com:

Published by MILLIE DYSON

Equifax offers advice on credit ratings as lenders move to standard variable rates.

As today marks an increase in mortgage rates from a number of lenders, it is likely that many homeowners will be looking around for better deals.  Leading instant online credit information provider, Equifax, is therefore offering advice to those looking for new mortgages to help them get the best deal.

Neil Munroe commented:

“A number of mortgage providers have been reported as increasing their rates to standard variable rates today”

“Indeed, it is thought nearly six million borrowers are on SVR mortgages.   “For some borrowers going onto an SVR could have quite an impact on their monthly outgoings and we believe this is likely to prompt a search for a new, better deal.

“To get the best deal, your credit status needs to be as good as possible.  Lenders make checks with credit reference agencies to see whether an applicant has kept up to date on repaying their credit.  Having several credit cards with high limits and missing repayments can be cause for concern for some lenders. 

“But even minor discrepancies on a credit file could result in an application for a new mortgage being declined. For example, something as simple as not being registered to vote at their current address could…………… continues on MyIntroducer.com

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Credit score killers that cost you money
News from ABC Action News:

It’s one of the most mysterious numbers in our lives:  Our credit score.

We all know that a good score is essential to getting a home or car loan. But how do you improve it? And more importantly, what are the credit score killers that can hurt you?

Credit score confusion

John Puthoff, of West Chester, thought he’d check his credit score before applying for a loan to buy a new home in Butler County.

“I am getting ready to buy a house, selling mine, and wanted to see where my score was at,” Puthoff said.

But he was stunned. First, because the three credit bureaus all charge a fee, and second because they all have different scores.

“I got a score from on bureau which was higher than the 850 which is the max, so I ended up confused.”

Other consumers we spoke at the Walmart on Cincinnati Dayton Road in West Chester agreed. Figuring out the” hows” and “whys” of your score is confusing.  And figuring out why yours just dropped 50 points can be almost impossible. 

The one certain thing is that a bad score will cost you money next time you need a loan.

One woman said “it was easy to find it. As far as finding out why my score is what it is, that was difficult.” Another man told us “I think they should make it easier to look up without difficulty.”
    
What the numbers mean

V…………… continues on ABC Action News

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Can I qualify? Tips from insiders on catching errors in your credit report and …
News from CultureMap Austin:

To state the obvious, your credit score has a big impact on your ability to qualify for a mortgage, and your score depends on what’s on your credit report.

For that reason, it’s important that you review your credit report regularly.

While a recent study reported the incidence of significant errors on reports is fairly small, our experience contradicts those results, and an error could prevent you from qualifying.

It’s likely the study only identified items creditors were willing to correct. I find many reports have negative items creditors are just too pigheaded to correct.

Maybe the hospital and your insurance company are arguing about coverage for a procedure, and the hospital reported the bill to a collection company. Maybe you returned your cable box, but the cable company didn’t note it on your account. Maybe your landlord said he was going to let you break your lease, then reneged after you left. The study didn’t address these types of errors, and to find them, we need to look at credit repair.

You are entitled to a free copy of your credit report from each of the three credit bureaus (…………… continues on CultureMap Austin

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Four Money Habits You Need To Ditch Now
News from Huffington Post:

April is Financial Literacy Month, and, as you can probably guess, that makes us pretty excited over here at LearnVest.

Maracas? Check.

Giant cake in the shape of dollar signs? Of course.

New ideas to help you take control of your money? Clearly.

That’s why we pored over the results of the 2012 Consumer Financial Literacy Survey from the National Foundation for Credit Counseling (NFCC) and the Network Branded Prepaid Card Association (NBPCA)*, which provides some of the most up-to-date data on how Americans are feeling about their money.

While most of us aren’t seeing our proverbial piggy banks as half-full right now, the survey did find that 80 percent of Americans feel we could benefit from professional financial advice, and 42 percent of us grade ourselves a C, D or F when it comes to personal finance. (Fewer people “flunked” themselves back in 2010, when the number was 35 percent.)

LearnVest to the rescue!

If you’re having trouble acting in your best financial interest at all times, you’re not alone. And you’ve come to the right place. We’ve broken out the problem areas revealed in the report and provided resources to help you tackle the biggest financial issues Americans said were standing in their way.

1. N…………… continues on Huffington Post

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Get Help with Money Management and Credit Problems
News from Oswego Daily News:

OSWEGO, NY – A free Credit Repair and Money Management Seminar is being held for one evening only on May 8 from 6 to 7:30 p.m.

The seminar takes place in the Community Room at Oswego Public Library, 120 E. Second St., in Oswego.

The seminar teaches people how to create a positive credit rating from scratch, with simple methods, and how to keep good credit once established.  You will also learn how to clean up your credit file when you have a low credit score or a bad credit rating.

By taking the seminar, you will also gain valuable information about laws that change the credit reporting system and learn what your rights are in regard to credit reporting.

You may not be aware of the impact a bad credit rating can have on your life.  Even prospective employers check the credit ratings of potential employees, so bad credit can prevent you not only from getting a loan, but also from getting a job.

Take this opportunity to repair your credit, manage your money, and improve your life.  Bring your problems and questions to the seminar for personal, one-to-one help following the presentation.

The seminar is presented by Turnaround Credit Repair, LLC and taught by Kimberly A. Steele of the Steele Law Firm, P.C. in Oswego.  Steele is very experienced in presenting this seminar and has helped many people to clean up bad credit.

Pre…………… continues on Oswego Daily News

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Is there a legitimate company you buy checks from?: Money Matters
News from Plain Dealer:

Q: Do you know a legitimate source to order personal checks through the mail?

— K.H., Stow

A: By legitimate, I’m assuming you mean a company that will safeguard your personal information (how much more personal does it get than your name, address and bank account number?)

There are two levels of what makes a reputable check-printing company: Does it protect your information. And does it sell or share your name and address with other companies?

For any company you’re considering, you must read its privacy policy.For reputable printers, check with the Check Payment Systems Association at tinyurl.com/checkcompanies. You don’t want companies that are having your checks printed in goodness-knows-what-part-of-the-world.Further, look for companies that use the little padlock on their checks. In order to use this symbol, a company’s checks must contain at least three features that defend against counterfeiting or alteration of checks.

On the second issue, about whether it shares your information, I had long recommended a company called Checks in the Mail. It however, has changed its privacy policy a bit so that it will share your information with third-parties that will try to…………… continues on Plain Dealer

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