Comments for Credit Dusters http://creditdusters.wordpress.com Your Resource For Credit And Financial Literacy Tue, 03 Mar 2009 14:22:39 +0000 http://wordpress.com/ hourly 1 Comment on Announcement: The Credit Authority Newsletter by Alexwebmaster http://creditdusters.wordpress.com/2008/03/05/announcement-the-credit-authority-newsletter/#comment-329 Alexwebmaster Tue, 03 Mar 2009 14:22:39 +0000 http://creditdusters.wordpress.com/?p=45#comment-329 Hello webmaster I would like to share with you a link to your site write me here preonrelt@mail.ru Hello webmaster
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write me here preonrelt@mail.ru

]]> Comment on Dinkytown.com – the coolest little website this side of texas! by PAUL J PORTER http://creditdusters.wordpress.com/2008/03/21/dinkytowncom-the-coolest-little-website-this-side-of-texas/#comment-327 PAUL J PORTER Thu, 22 Jan 2009 00:50:45 +0000 http://creditdusters.wordpress.com/?p=59#comment-327 I HEARD THAT I COULD GET AN AMORTIZATION OF MY MORTGAGE PAYOFF FOR FREE. CAN I?? I HEARD THAT I COULD GET AN
AMORTIZATION OF MY MORTGAGE
PAYOFF FOR FREE. CAN I??

]]> Comment on Loan Modification – The Best Chance for Success by Ben Orr http://creditdusters.wordpress.com/2008/04/30/loan-modification-%e2%80%93-the-best-chance-for-success/#comment-320 Ben Orr Tue, 02 Dec 2008 03:25:50 +0000 http://creditdusters.wordpress.com/?p=101#comment-320 I just finished my modification with Washington Mutual and I'm a success story. I followed the same steps listed above . It all happened pretty fast for me. 3 weeks was all it took from start to finish. I wasn't late or behind on my mortgage. I didnt have to pay anything extra. It was pretty painless and actually much easier than when I financed the loan in the first place! I was at a 8.5% adjustable but that was ready to adjust in a month to add $1200 to my monthly payment! If anyone is like me and has even the slightest worries about what exactly to do and needs a bit of hand holding, I'd recommend http://www.LoanModAssistant.com as it's a DIY system. Only cost me $199 too. The best part was that hardship letter the other folks here refer to. Mine was tailored to my situation and I just had to tweak it a bit. Anyway, I hope this helps someone. God bless. I just finished my modification with Washington Mutual and I’m a success story. I followed the same steps listed above . It all happened pretty fast for me. 3 weeks was all it took from start to finish.

I wasn’t late or behind on my mortgage. I didnt have to pay anything extra. It was pretty painless and actually much easier than when I financed the loan in the first place!

I was at a 8.5% adjustable but that was ready to adjust in a month to add $1200 to my monthly payment!

If anyone is like me and has even the slightest worries about what exactly to do and needs a bit of hand holding, I’d recommend http://www.LoanModAssistant.com as it’s a DIY system. Only cost me $199 too. The best part was that hardship letter the other folks here refer to. Mine was tailored to my situation and I just had to tweak it a bit.

Anyway, I hope this helps someone. God bless.

]]> Comment on A Rabbit Meat Shortage, The American Consumer, and Something About The Simple Life by marcellaloren http://creditdusters.wordpress.com/2008/04/21/a-rabbit-meat-shortage-the-american-consumer-and-something-about-the-simple-life-2/#comment-318 marcellaloren Fri, 10 Oct 2008 18:54:20 +0000 http://creditdusters.wordpress.com/?p=100#comment-318 When my husband and I married, we found that we both had terrible spending habits. Six years later, we are finally figuring out how to save first, spend wisely, and enjoy what we have. My greatest weapons in fighting my "window-shopping habit" have been: (1) We turned off the TV. I no longer buy the latest and greatest of anything, my particular weakness was household cleaners. We watch DVD or VHS tapes that we own or borrow among friends when we need entertainment. It has been over a year since we turned off the satellite (cable is not an option and tall mountains preclude the use of the antennae) and it only bothers us when we hear of a good football game coming up. (2) When we do go shopping and something catches my eye, unless it is an absolutely fantastic deal ($2 for a normally $20 item, for example), we check back or check another store on a SCHEDULED shopping excursion until we find the deal we like, or we don't buy it at all. I never buy without the approval of my husband, even it is only $2. He is kind, and often lets me explain away why I want something. We found out that if it can't be explained it well enough out loud (instead of justifying to ourselves alone), then we don't buy it. It has been amazing to notice just how many things we don't end up buying. (3) We posted a WISH LIST easy wipe board on our fridge. We keep a list there of all the things that strike our fancies and then rank and re-rank them. Very quickly, we discovered that the DVD we wanted or the iTunes gift card request as a birthday gift were replaced by other things such as fixing the back door, building a tool shed, a grocery gift card, and planning the vegetable garden. We don't have all the answers either, and certainly have no plans to raise livestock for cash. I have a hard enough time in rural New Hampshire when hunting season starts! With a little luck, and a lot of trials and errors, we are finding our way long. The best part is doing it together and enjoying the successes we do have to the fullest. Thanks for your blog - I love it. When my husband and I married, we found that we both had terrible spending habits. Six years later, we are finally figuring out how to save first, spend wisely, and enjoy what we have.
My greatest weapons in fighting my “window-shopping habit” have been:
(1) We turned off the TV. I no longer buy the latest and greatest of anything, my particular weakness was household cleaners. We watch DVD or VHS tapes that we own or borrow among friends when we need entertainment. It has been over a year since we turned off the satellite (cable is not an option and tall mountains preclude the use of the antennae) and it only bothers us when we hear of a good football game coming up.
(2) When we do go shopping and something catches my eye, unless it is an absolutely fantastic deal ($2 for a normally $20 item, for example), we check back or check another store on a SCHEDULED shopping excursion until we find the deal we like, or we don’t buy it at all. I never buy without the approval of my husband, even it is only $2. He is kind, and often lets me explain away why I want something. We found out that if it can’t be explained it well enough out loud (instead of justifying to ourselves alone), then we don’t buy it. It has been amazing to notice just how many things we don’t end up buying.
(3) We posted a WISH LIST easy wipe board on our fridge. We keep a list there of all the things that strike our fancies and then rank and re-rank them. Very quickly, we discovered that the DVD we wanted or the iTunes gift card request as a birthday gift were replaced by other things such as fixing the back door, building a tool shed, a grocery gift card, and planning the vegetable garden.

We don’t have all the answers either, and certainly have no plans to raise livestock for cash. I have a hard enough time in rural New Hampshire when hunting season starts! With a little luck, and a lot of trials and errors, we are finding our way long. The best part is doing it together and enjoying the successes we do have to the fullest.
Thanks for your blog – I love it.

]]> Comment on Check The Status of Your Tax Refund by claiming dependents http://creditdusters.wordpress.com/2008/03/03/check-the-status-of-your-tax-refund/#comment-317 claiming dependents Fri, 10 Oct 2008 16:43:04 +0000 http://creditdusters.wordpress.com/2008/03/03/check-the-status-of-your-tax-refund/#comment-317 no way, i didn't know that had a page up for that. i wonder if it will be up next tax season? no way, i didn’t know that had a page up for that. i wonder if it will be up next tax season?

]]> Comment on How To Not Blow Your Tax Refund by claiming dependents http://creditdusters.wordpress.com/2008/04/02/how-to-not-blow-your-tax-refund/#comment-316 claiming dependents Fri, 10 Oct 2008 16:40:17 +0000 http://creditdusters.wordpress.com/?p=69#comment-316 the same could be said for the stimulus checks that everyone got. it is too easy to just go out and spend it on random crap that you don't really need. the same could be said for the stimulus checks that everyone got. it is too easy to just go out and spend it on random crap that you don’t really need.

]]> Comment on Loan Modification – The Best Chance for Success by Shannon http://creditdusters.wordpress.com/2008/04/30/loan-modification-%e2%80%93-the-best-chance-for-success/#comment-315 Shannon Thu, 25 Sep 2008 20:35:04 +0000 http://creditdusters.wordpress.com/?p=101#comment-315 I am a home owner going through this process as well. It has been almost one month and still nothing. We are are hinest, hard working business owners and because of the economy, stand to lose it all. We are almost 7 months behind, waiting on an answer. Our bills are affordable, but when this crash came, we lost control of our finances. Pray that our lender will be kind and allow us to also keep our home. I am a home owner going through this process as well. It has been almost one month and still nothing. We are are hinest, hard working business owners and because of the economy, stand to lose it all. We are almost 7 months behind, waiting on an answer. Our bills are affordable, but when this crash came, we lost control of our finances. Pray that our lender will be kind and allow us to also keep our home.

]]> Comment on FCRA Series: Trans Union Vs. FTC by GoodCreditRocks http://creditdusters.wordpress.com/2008/03/06/fcra-series-trans-union-vs-ftc/#comment-314 GoodCreditRocks Mon, 08 Sep 2008 18:54:01 +0000 http://creditdusters.wordpress.com/?p=47#comment-314 Here's another great resource on credit - <a href="http://www.ncacreditrepair.com/articles/the-10-greatest-myths-about-credit.html" rel="nofollow">Credit Myths</a> Here’s another great resource on credit -

Credit Myths

]]> Comment on Zombie Debt: Coming now to a Credit Report near you! by GoodCreditRocks http://creditdusters.wordpress.com/2008/03/04/zombie-debt-coming-now-to-a-credit-report-near-you/#comment-313 GoodCreditRocks Mon, 08 Sep 2008 18:35:55 +0000 http://creditdusters.wordpress.com/?p=44#comment-313 Here's some more extensive info on negative credit and how it stays on your credit reports - <a href="http://www.ncacreditrepair.com/faq/credit-reports/how-long-do-negative-items-stay-listed.html" rel="nofollow">How Long Do Negative Items Stay On My Report</a> Here’s some more extensive info on negative credit and how it stays on your credit reports -

How Long Do Negative Items Stay On My Report

]]> Comment on The anatomy of A credit watch service by GoodCreditRocks http://creditdusters.wordpress.com/2008/02/29/the-anatomy-of-a-credit-watch-service/#comment-312 GoodCreditRocks Mon, 08 Sep 2008 18:28:24 +0000 http://creditdusters.wordpress.com/?p=37#comment-312 Equally important is disputing inaccurate items on your reports to get them removed, which will help increase your credit score. <a href="http://www.ncacreditrepair.com/services.html" rel="nofollow">Fix Credit</a> Equally important is disputing inaccurate items on your reports to get them removed, which will help increase your credit score.

Fix Credit

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