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Victoria Finch

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Bundles Do They Really Save You Money? I call "Foul".

We are bombarded daily by advertisers claiming to save us money if we purchase their services in a bundle. I call "foul". Typically these bundle discounts are only available if you purchase another service. For example, I have cable television and I only have their "stater plan". However, anytime I call with a question. They try to sell me a "cost savings package". For x amount of dollars I can have t.v., internet, and telephone. In this particular case I can have it all for a low $99.00 per mon… Continue

Added by Victoria Finch on July 20, 2009 at 9:30am — No Comments

Should I hire a Credit Repair Company?

Many people who have credit issues are misinformed about credit repair companies. Many consumers feel that these companies are all scams. Like in any other industry, there are those that are not honest. However, there are reputable companies like Integrated Credit Specialists that seek to educate consumers. Credit restoration can be a lengthy process and requires a lot of work. Just like you can do your own taxes, you can repair your own credi… Continue

Added by Victoria Finch on July 2, 2009 at 7:00am — No Comments

How Changes in Credit Scoring affect you - FICO 08

In 1956, Bill Fair and Earl Isaac devised analytical tools that attempted to quantify the risk of loaning an individual money and launched a company based on this scoring system. Their company was called Fair Isaac & Co., better known by the acronym FICO. Fair Issac & Company had several decades of success in Europe before coming to America. FICO's system caught on in the United States beginning with Equifax in 1989 and followed by Experian and TransUnion in 1991. I have always advocate… Continue

Added by Victoria Finch on June 15, 2009 at 11:39am — No Comments

Buying a home for $100.00 down - A bittersweet deal

I was talking to a realtor friend today who lives in Atlanta. We were reminiscing about the days when real estate was a stable, viable commodity. You could have never told us five years ago that the housing market would be in the mess it is in today. But as always, one's loss is another's gain. I just received an email today notifying me that foreclosed homes offered by the Housing and Urban Development Department (HUD) are selling for $100.00 down. This is bittersweet because it is a great dea… Continue

Added by Victoria Finch on June 10, 2009 at 8:23pm — No Comments

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