Personal Finance and Investing

I just got the good news that a client had a 2008 30-day late payment deleted.  He had previously disputed it with Experian online, but of course they verified. 

I recommended calling the creditor and explaining what happened.  While the first person said it was too long ago for him to delete (request deletion PROMPTLY), the request was forwarded to management and they have now removed the late.

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aving a tax return copy can help the taxpayer to show evidences for all the items he/she claimed, in case audited by the IRS. Most lending institutions also require an applicant to submit a tax return copy when applying for a mortgage or student loan. If the taxpayer needs his/her copy of tax return and cannot find it, there are few simple things on how to obtain a copy of past tax return.

Step 1

Call or visit the tax firm or tax professional who prepared your previous year’s tax return.

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The latest numbers are in and it looks promising.

In fact, it looks as if credit management among consumers will continue to improve for 2010. Although unemployment continues to remain an obstacle for many consumers, credit card delinquencies will continue to decline in 2010, according to TransUnion.

Although many analysts predict that the rate of credit card delinquencies will slow down during the upcoming year, they will nevertheless decline, which is a good sign for creditors everywhere.

TransUnion expects 90-day credit card delinquencies to drop off nearly 1.04 percent by the end of 2010.

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The US Treasury Department just might look like a knight on a white horse to some homeowners facing foreclosure and unable to get cooperation from their mortgage company.

Despite a federally backed loan program meant to create permanent loan modifications, banks have been slow to work with consumers. That may change as the US government threatens fines to be assessed against banks unless they speed up their mortgage modification programs meant to keep homeowners in their houses.

The loan modification programs are meant to permanently lower mortgage payments so they are more affordable for homeowners trapped by a struggling economy.

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