Both are readily available for purchase online, but figuring out which is most accurate can be daunting. The advice from most mortgage professionals to first-time home buyers is to begin sprucing up their credit at least six months before applying for a loan. Credit scores and credit reports are readily available for purchase online, but […]
Young and in Debt in New York City
Student Loans Make it Hard to Rent or Buy a Home Photo Tierney Cooke and Oliver have at last found a place to live in Bedford-Stuyvesant, Brooklyn. Both student debt and the dog have hampered her housing searches in New York. Credit Karsten Moran for The New York Times For young people, moving to New […]
Class Field Trip Stops at a Local Pawnshop
Submitted by New Jersey Bankruptcy Attorney, Lee M. Perlman. READING, Ohio — The last time Brian Page had to file the paperwork to evict a tenant from a rental property he and his wife own, he noticed all the check-cashing services and pawn shops on his drive home from the courthouse. A clerk tipped him […]
Protecting Your Children’s Credit
If you want to make sure your personal information isn’t at risk from identity thieves, you can ask to have a security freeze placed on your credit file at the three major credit bureaus — Experian, Equifax and TransUnion. That prevents lenders or credit card companies (that you aren’t already doing business with) from gaining […]
Over a Million Are Denied Bank Accounts for Past Errors
A version of this article appeared in print on 07/31/2013, on page A1 of the NewYork edition with the headline: Million Denied Bank Accounts For Past Errors. Published originally in the New York Times. Chang W. Lee/The New York Times Tiffany Murrell, who had a $40 overdraft in 2010, was rejected repeatedly for an account. […]
Six Secret Credit Scores And How You Can Alter Them
When you sign up for a credit card, you’re making the credit-card company a life partner. It knows where you shop, when, what you buy, whether you pay your debts on time and if you’re a sucker for a balance-transfer offer that leads to high interest rates. It knows a lot more than the credit […]
