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IRS Proposes New Registration of taxpreparers, this is good news!

By: Kerry Freeman EA Tax Planning Views: 3110 | Comments: 0 | Votes: 0

Kerry Freeman EA

IR-2010-1, The Internal Revenue Service kicked off the 2010 tax filing season today by issuing the results of a landmark six-month study that proposes new registration, testing and continuing education of tax return preparers. As part of the outreach effort, the IRS is providing tips to taxpayers to ensure they are working with a reputable tax return preparer. Mr. More

How Visa, Using Card Fees, Dominates a Market

By: NCR Credit Plus Credit Repair Views: 2198 | Comments: 0 | Votes: 1

NCR Credit Plus

Every day, millions of Americans stand at store checkout counters and make a seemingly random decision: after swiping their debit card, they choose whether to punch in a code, or to sign their name. Mitch Goldstone, in his digital photo-processing shop in Irvine, Calif., is part of a suit against Visa and MasterCard. Competition, of course, usually forces prices lower. More

2010 Retirement-Account Contribution Limits

By: Telecom Advisor Retirement Planning Views: 3367 | Comments: 0 | Votes: 0

Telecom Advisor

The maximum amounts you can stash in a 401(k), IRA and other accounts won't increase next year. By Kimberly Lankford, Contributing Editor, Kiplinger's Personal Finance October 19, 2009   I know Social Security beneficiaries will not receive a cost-of-living increase in 2010 because the inflation rate has been so low. (see A Bailout for Seniors). More

10% of underwater homeowners would walk away,

By: NCR Credit Plus Credit Repair Views: 2125 | Comments: 0 | Votes: 1

NCR Credit Plus

Owners with negative equity of 10% or less rarely default, according to researchers from the graduate schools of business at the University of Chicago’s Booth School of Business and Northwestern University. In "Underwater and Not Walking Away: Shame, Fear and the Social Management of the Housing Crisis," University of Arizona law school professor Brent T. More

Rates on 30-year loans set record low

By: NCR Credit Plus Credit Repair Views: 2211 | Comments: 0 | Votes: 1

NCR Credit Plus

The average interest rate for a 30-year mortgage dropped to a record low of 4.71 percent this week, pushed down by an aggressive government campaign to reduce borrowing costs.The rate, published Thursday by Freddie Mac, is the lowest since the mortgage finance company began tracking the data in 1971. More

American Express Hates Their Customers

By: Mark Goldman Credit Repair Views: 3652 | Comments: 0 | Votes: 0

Mark Goldman

This is an addenda to my recent rant on American Express "Leave Home Without It" article.  I just got my statement with a "Notice of Changes to Your Account".  If you have an American Express Card, you may be interested in the ways that company gets to unilaterally change their terms and increase your costs and reduce your options as their customer. More

How Does Credit Restoration Work?

By: NCR Credit Plus Credit Repair Views: 4984 | Comments: 0 | Votes: 1

NCR Credit Plus

Credit bureaus insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe that. NCR Credit Plus has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Cancel Anytime! More

I have no credit, but I want to build credit

By: NCR Credit Plus Credit Repair Views: 1304 | Comments: 0 | Votes: 1

NCR Credit Plus

I have NO credit, but I want to build credit. I am just about to graduate college with two degrees and I need to build credit.Answer:If you have no credit and want to build your credit history, then secured credit card offers can be an ideal option for you. More

Painful notice: credit card payment hiking

By: NCR Credit Plus Credit Repair Views: 1671 | Comments: 0 | Votes: 1

NCR Credit Plus

Q: Dear Debt Adviser, I have paid off most of my credit cards in the last few months. I still have a debt with one creditor for $23,000 that I have been paying on time, and I always pay more than the minimum. I just received a notice that the minimum credit card payment is going to be increased to 5 percent of the balance, starting in August. What should I do? More

How Do the Credit Bureaus Interpret Your Score ?

By: NCR Credit Plus Credit Repair Views: 1612 | Comments: 0 | Votes: 1

NCR Credit Plus

You may have worried many times about what your score is, and how to keep it at the optimal level. Do you however, know how the credit bureaus interpret or calculate your score? This is why it's extremely important for you to pay your bills on time. Every time you are late with a payment, you are hurting your score. Your credit history accounts for 15% of your score. More