It has been a while since I posted. Not sure where to start, so I am going to share with you this Better.TV video on Smart Shopping Tips. Right now, is a good time to get into the habit of Shopping Smart. Use the coupons out their, ask for special discounts, promotional items.

I have learned plenty of wonderful life saving and changing things that I am going to share with you. For now, here is the video from Better.TV.

Finally, an agent with Countrywide contacted me this morning. Even with my low Credit Score and no Credit history there is a chance I may get to obtain a loan for a home. I explained to her in detail why I did not have any credit cards or loans; even no cell phone bills.

I have work to do in cleaning it up. But according to her, it is doable. I would have to explain any collections on my Credit Report, pay off any that are not Medical Bills (right away) and that are truly due.

I expect a call later this evening, where she will provide me with more instructions on what I need in order to purchase my very own HOME!

Yes, I am very excited, because I would have done this on my own and I am learning so much along the way. I ultimately want to have assets in my name and own 100% of my company. I have plans on starting a business all of my own.

Some insight, with so many issues I have faced in the last 12 months, I want to have full responsibility of my finances. It is not for me to get in debt, but rather to know that I can obtain a line of credit when needed. Credit is not a game and one must be responsible. Sure, there are events that may be outside your control but I believe that if you plan ahead and follow your own set of guidelines that can help you avoid them.

It has been a while since my last post. I have had some bumps of my own. Causing a great delay in my quest to repair my credit.

First of all, I have as of today to see my credit reports. I did request them. I requested my Free Copy. I had some issues with the credit card companies to due the Fraud Alert I had placed several years ago.

Anyhow, I finally did visit FreeCreditReport.com, that was a disaster. I am not pleased. I obtained one Copy, then they charged my Bank Card to sell all three. Again, as of today, I have not seen all three.

Finally, I have just applied for a Visa and yes, it was rejected. However, I get a Free Credit Report from the reporting Agencies.

This is frustrating, to say the least. My goal is to buy my home this year. I am determined to purchase my very own home. I of course need to find a lender willing to sign me a mortgage. I know the property I want.

Another frustration, I have contacted several Realtors’ and Lenders to guide or provide me with the guidelines the banks are looking for. I know taxes, bank statements and form of income are required.

After, getting a glance at the Free Credit report, my FICO score reads 550! Is that low or what!?

I have learned a lot about negotiating down the interest rate and asking about Credit Card incentives. Considering I do not have any credit cards, I have recruited my Dad. I will call on his behalf and see if this tips actually work.

If you have any suggestions, I would most appreciate it .

According to experts we are only half-way through this crissis.  The specualte its only going to get worst. They discuss Ninja loans.

Watch CBS Videos Online

Looks like the Government now wants to help Americans finding themselves in debt. This is interesting and I wanted to share this. I have been gone for a while. I have so much to talk about since my last post. As you know, I myself need to clean up my credit and want to obtain credit. Simply, I want to repair my own credit report and obtain a home loan.

Here is the video, let me know what you think.

I have not had a chance to update my progress here. I have been busy helping friends and finding ways to reach out to others.
I stumble upon this story today; about a Girl from the Great Depression. Commons sense she shares with us all. DO NOT OVER EXTEND yourself. I do not like to have debt. Not at all. I am sure many of your have debt for various reasons. However, her story is one that can make you wise. Smart is learning from your mistakes, however, a wise person learns form others.
Here is the video and please share your stories.

An update on the Tax Lien. Apparently they cannot locate the information. They will contact us in about 3 weeks. Now, they obviously had the information to file it against her. So how can it not come up now?

During our research, we have found many recommending to contact the reporting Agency and dispute the filing. Also, almost everyone stated the IRS will not remove it until Paid in full and after 7 years from date of payment.

Here is our question. If this is true how can others claim to remove it from the credit reports?

Now, we are off to the Law Library (nest week) to research this further. It’s not set in stone; therefore we might find something to get it removed.  Right?

While searching on the next for information on Credit Reports, I stumbled upon this site Saving Advice. OMG they have tons of helpful information. Anyone interested in Saving Money in all areas of life, stop by this site. I am confident you will find it helpful.

Also, if you happen to be in debt and would like to talk about it to the world, this is your chance. Saving Advice is looking for a blogger to Open up and tell it like it is. I would love to read someone actual journey to a debt free life.

I have managed to stay out of debt due to my business and my hubbies. However, credit is important. I know for a fact that my business would not be able to compete against our larger competitors if it weren’t for the lines of credit our businesses have.

So check it out and blog away! We support you  J

Many years ago I called the Credit Agencies. This back in the day when you could get a hold of someone on the phone. I was concerned about others using my information for credit. I was in College and had purchased my first home. When my Lender ran my Credit Report some interesting things appeared. Took care of them and that was that. Per my lenders advice I placed an alert for NO ONE to view my information unless it was verified with me.

Anyhow, life goes on and since sold the home, got married … The End. That was the end of my credit. My husband takes care of all finances. I have by checking accounts and my check cards. Anything I need I simply pay with my Check Card.

Ok, back to the point. I cannot get my credit report online! I have been blocked. I was not able to answer the security questions. LOL

I answered them correctly, however, it appears they have other information. So, here I go waiting for the correspondence to take place via SNAIL MAIL.

Any ideas on how I can get them to Fax me my credit report?

This blog has a life of its own. Sure, I understand how important credit score is to an individual. As I stated previously, I woke up one day to realize I had no Credit History. I do have my own business and a business I run with my husband. Now, all the credit for the Company is under the Corporation. We do not sign any Personal Guarantee.

Alright, so I was talking to a friend about my new blog. OMG… she needs help! She recently received a notice from the IRS, she apparently has had a lien against her for the some time now. At least 3 years. So the questions is, call the IRS or mail them? How can she get this removed? Why wasn’t she informed about this? Why…why…why…