John Nunez

48 Flips | 1 Magazine | 4 Likes | @johnnycash5574 | Keep up with John Nunez on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “John Nunez”

High Credit Scores Aren't Just For Rich People

It might seem intimidating at first — our credit scoring system is definitely complex — but when it comes time to apply for a mortgage, you'll be happy you made building a solid score a priority.<p>But how does the picture change if you make a small income? As it turns out, not much. You don't need to …

Personal Finance

How to Boost Your Business Credit Scores

In our previous post, we talked about why business credit scores matter for your business. In this article, we will talk about how to boost your business credit scores.<p>Unlike personal credit scores (FICO scores) that take years to build up, it typically only takes 3-6 months to build up your …

You Have Literally Dozens of Credit Scores -- Here's What You Can Learn From Just One

<i>By Mike Goldstein, Content Writer at Credit Karma</i><p>Each consumer has far more than just one credit score. It's true, and it's an unhappy reality for many. People make their minds up to boost their credit health, work hard to get that special number up to their target level and then see a whole new …

The Crazy Easy Trick to Getting a Credit Card Fee Waived or Your Rate Lowered

A new report finds that the majority of Americans who've tried this simple move have been successful.<p>Want to get your credit card issuer to waive a …

Why the Heyday of Credit Card Fraud Is Almost Over

In 1960, an IBM engineer named Forrest Parry was developing a new type of ID card for the CIA when he had an epiphany: Why not make each card a tiny …

Lowering credit card interest rate is easier than you think

A new report suggests that credit card holders could get lower interest rates and late fees waived if they ask.<p>The report, released this week by CreditCards.com, found that nearly 90 percent of cardholders who asked their credit card issuers to waive a late payment fee were successful. The report …

Here's When Joint Credit Cards Are A Good Idea

That means that both joint account holders have access to the line of credit, and all other credit card functions such as disputing charges, transferring a balance, reporting a card lost or stolen, requesting a credit limit increase or closing the account . Joint account holders are also able to …

Fannie, Freddie urged to adopt more up-to-date credit scoring models

Are the two biggest players in the American mortgage arena — Fannie Mae and Freddie Mac — needlessly preventing millions of African Americans, Latinos and young consumers from qualifying for a loan because they don't have a FICO credit score?<p>Some critics say the answer is an emphatic yes. James H. …

3 Credit Score Myths that Could be Costing You

These common assumptions could take big points off your FICO score—and leave you paying more on loans and credit cards.<p>If you’ve ever turned to the …

Credit Karma's $75M raise makes it a bigger threat to the credit bureaus

Credit Karma, a startup that provides credit scores and recommendations for credit cards, announced a $75 million round this morning, just eight months after grabbing $85 million in funding.<p>The new money, which will go toward product development and growth, comes from existing investors Google …

Michael Jackson's Credit Was So Bad That His iPhone Had To Be Set Up Under Another Name

But the singer may not have had access to the hottest piece of tech if it weren't for his security guard.<p>In a new book out today, " Remember the Time: Protecting Michael Jackson in His Final Days, " two of Jackson's security guards, Bill Whitfield and Javon Beard, reveal what it was like working …

Michael Jackson

The Credit Catch-22: How to Build Credit If You Don't Have It

The idea that "everybody has to start somewhere" can be really frustrating for people without credit: Good credit comes from properly managing loans …

BBB Warns: New 'Credit Mule' Scam Preys on the Cash-Strapped

In a scam known as "credit muling," scammers are taking advantage of cash strapped victims by fooling them into purchasing new wireless contracts.<p>In …

How to Find a Mortgage When Your Credit is Bad

If you can't take the time to boost your credit score, see if you qualify for a government-backed loan.<p><b>Q: “What’s the fastest or easiest way to</b> …

Harendra Jani posted on their whiteboard: Credit Score Tip - Credit Repair versus Credit Counseling

When to Trust or Not Trust a Credit Repair Service

Credit repair can be a very spammy business, so much so that the government has gone to great lengths to regulate the services as much as possible. Even though there are rules that credit repair services must abide by, it doesn't mean that all of them do. So when can you trust your credit repair …

Collections agent on 9/11 and 4 more ‘soul destroying’ jobs - The Margin - MarketWatch

A boiler-room style stock jockey, a bartender at a haughty vegan restaurant, a trading desk grunt and a graveyard shift in a teen psych ward during …

People With Bad Credit Can Buy Cars, But They Are Tracked And Have Remote-Kill Switches

Having a bad credit record means your car might come with a little something extra: a GPS-enabled “starter interrupt device” that allows a dealer to set off angry noises in your car, keep tabs on where you’re going, and shut your car down if you miss a payment. The New York Times chronicles the …

Why using credit cards to pay your wedding bills is a bad, bad idea!

<b>Next</b><p><b>Rajiv Raj</b><p><b>Apart from your wedding and honeymoon here are five instances when you will be tempted to swipe your credit card. And here is why it's a</b> …

For drivers with bad credit, new cars come with a kill switch

Driving a car off a lot usually comes with a sense of exhilaration or freedom, but that thrill is short-lived when you've got a debt collector riding shotgun wherever you go. That's basically the case for a whole host of Americans with bad credit -- in use since the 90s, the <i>New York Times</i> reports …

The complete guide to fixing your credit score

A couple of years ago, I found myself in a catch-22. I decided it was time for me to start building my credit. The advice from nearly everybody: "Just apply for a credit card." Easier said than done: as soon as I started applying, I received rejection letters letting me know that I was not eligible …

How Credit Scores Predict Your Behavior

Credit scores, as with most attempts to make sense of our world, operate on the assumption that the near future will look a lot like the recent past, …