Rob's Blog

I seen this video on youtube. This is amazing!! How something so small can have such a huge impact on our lives!Please watch this video (about 4-6minutes) This is so worth it!!http://www.youtube.com/watch?v=sN_LPTNQEqM Deuteronomy 10:12-13 King James VersionAnd now, Israel, what doth the LORD thy...

Healthy Credit = Options•·      New or Used•·      Reliability •·      Buy or Lease•·      Choice of Color•·      2 door or 4 door•·      Car or SUV•·      Choice of Financial Institution   Sick Credit = No Options•·      Used•·      Liability•·      Buy for more•·      2 tone•·      Maybe a 2 do...

New Credit Authorization FormHere is a sample letter you can use to help stop credit fraud. You can send a letter  with your information to all three companies (Trans Union , Experian, and Equifax) .  Follow this example to write your own letter.  DateYour NameYour AddressYour City, State, Zip Co...

  Written or oral account: 6 years, (O.R.C. §2305.07).Written contract: 15 years, (O.R.C. §2305.06).Oral contract: 6 years (O.R.C. §2305.07).Note payable at a definite time: 6 years, (O.R.C. § 1303 .16(A)); (2)).Demand note: 6 years after the date on which demand is made or 10 years if no demand ...

LIBORis the base interest rate paid on deposits between banks in the Eurodollar market. A Eurodollar is a dollar deposited in a bank in a country where the currency is not the dollar. The Eurodollar market has been around for over 40 years and is a major component of the International financial m...

 Fallacy: My score determines whether I get credit.Fact: Lenders use a number of facts to make credit decisions, including your FICO score. Lenders look at information such as the amount of debt you can reasonably handle given your income, your employment history, and your credit history. Based o...

There's no ironclad protection that guarantees that you'll never fall victim to some form of identity theft. But there are steps you can take to protect yourself, many of which are rather simple:1. Destroy private records and statements. Tear up -- or, if you prefer, shred -- credit card statemen...

 Your accurate information is missing. Small, local creditors may not report to national bureaus. Or, your report could be a partial or fragmented report -- with some of your accurate information linked to one version of your name and address and some of your information only linked to a differen...

  Late payments, tax liens, bankruptcies...Are you anxiously waiting for old records to be removed from your credit report? Take the initiative to check the expiration dates on records in your credit report. For example, if you discover an obsolete bankruptcy from 1992, disputing the record with ...

What types of notification letters are legal? All collection agents and certain attorneys must comply with section 12 of the Fair Debt Collection Practices Act (FDCPA) which clearly regulates the type of letters and the language that collection agents can use. Section 807 explains what collectors...