Celebrates the credit karma – we have just reached over 2 million users!

Thanks to the great media coverage and much support from users credit Karma passing on the good word about us per family, neighbors, friends of Facebook and Tweeps, credit Karma happily our 2 millionth user added yesterday. Today, we are 15,279 Viale alcione, 159 members of and growing!

We want to take a moment to say thanks to all who continue to support our service pro-consumer and helped us to grow into more avenues where we can be a free resource for your needs.

Two years ago, we were a small start-up offering free credit scores and personal recommendations of saving (one before you do!).Today, our latest features and reviews the credit advice centre, broaden our horizons to include content generated by consumers.We are proud to have comprehensive financial education tools that include the value of input its consumers and experiences. Credit Karma couldn't really have been so successful without you all.

So thanks again, and hope to stick with us and visit us often. We provide is always our services completely free, and that will never change. just keep giving us feedback and suggestions so we can make this the best site credit Karma for you.

Hello to over 2 million users of credit-expert!Now, let's set our curiosity to hit 3 million!

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Experian – contradictory statements about credit scores and employers

Experian says, "more employers than ever check scores for credit potential candidates, and likely to lead to a downward spiral, according to a report from Minneapolis examiner."

The title and header that accompanies the Declaration is "More employers Check by Credit scores."

However, Experian maintains that did not provide credit scores for employment purposes.

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Cold housing market is linked to unemployment

There's no regulation Federal allow management Obama forcing national moratorium on foreclosures, so that it appears there will be many legislators to discuss whether or not they want to figure out a way to help the housing market already.

Times harder to be ahead even with recent research suggests that Congress. to those who want to sell their property or get a home loan capital new other than numbers may look at their credit scores of relief.

Prices very apartment housing to be linked to unemployment number of years, with reasonable prices vaaliia until unemployment drops to 7 percent or low unemployment currently sitting with 7.3 percent in, this can be a time before an estimated 1.4 to 2 million homes are available to begin selling in the market, according to a report by Ned Davis research.

"Light at the end of the tunnel, but housing takes at least two years and possibly longer to get there," said Joseph Kalish, author of the report.

Despite the bleak outline of housing market, the report suggested that it would be a good time to refinance mortgage or renovating the House, because of the current mortgage rates low.

Tags: foreclosures, mortgages, mortgage loans with unemployment

Was this entry is filed under personal finance, real estate,. you can track all responses to this entry through the feed RSS 2.0 you can leave a response, or trackback from your own site.

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Good credit? 3 Strategies to move up to excellent credit

The average Joe or Jane with good credit is their way with a score of credit Karma in high low 700s 600s. this range, lenders are perceived as more options creditworthy financial and begin to open up.You'll be offered a wider range of rates, terms, APRs, benefits and lower taxes, so it is vital to comparison shop for the best deals.

However, while you are offered more premium rates and the best options credit fair or poor consumers, not be content with what lenders are willing to extend to you Shoot for excellent credit. get the rates and conditions more favourable for you.

At this level of game credit score, is not a game of chance if you can earn credit excellent — it is a matter of time. A General responsible use of credit, for example paying on time and keeping low debt, consistent for a long time is what moves your credit score steadily upwards.

You have your basic good credit behavior nailed down, but you can still take advantage of your good credit standing of your credit. Take these 3 strategies to put on the fast track to excellent credit.

Adjust the rate of utilization of credit

Keep the debt-to-major credit available-under 30% is a habit you can already under his belt, but the smooth permanent credit can help you further. In addition to keeping your credit card balances low, you're in good position to negotiate an increase of line of credit from your issuer to increase your total available credit and further lower the rate of utilization of credit.Especially if you have the ideal payment history for the past year, issuers are likely to keep good credit customers happy to negotiate more favourable conditions.Through this method, you can reduce the rate of utilization of credit without having to apply for new credit and get hit with hard inquiries.

Develop a mix of credit

A credit file with a mixture of different revolving loans (such as credit card debt) and installment loans (as loans and student loans) demonstrates the capacity of credit management to potential lenders.However, do not apply for a loan or credit card number only to improve your credit rating;more difficult investigations will hurt your credit score and the addition of credit cards could backfire if it persists the new tab. More credit cards are not necessarily better;seek to diversify slowly credit lines in a way that you can manage still effectively without going into debt for depth. plan ahead for when you plan to take a personal loan, auto loan and mortgage to make sure that you can afford to keep up with these debts and space out the surveys.

Reduce credit requests

Application for credit and tons more difficult investigations negatively affects your credit score. not only does your credit score will suffer a few points of damage, for every request, but you will see credit-desperate and risky for funders. the permanent good credit opens big financial options, so you might be tempted to apply for the credit more and more may be more demanding on which financial options applies to, so be sure to restrict requests to few year. Check out the chart below average credit score distributions to the number of requests for credit.

Bottom line is that less credit investigations, the better your credit score.Take advantage of your good credit apply some good credit cards and loans you are likely to get, standing and not needlessly apply for you don't need credit.

CK Bootcamp Tip: good credit is the cornerstone of excellent credit. take advantage of the benefits and options open to you as a good credit standing and use it as a springboard for healthier credit.

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Credit Karma Bootcamp: 31 days credit Health Plan

In October, credit Karma Bootcamp you daily information on what you need to take wise decisions, credit-expert when it comes to credit cards, mortgages, insurance, loans and credit, especially, of all things.

Follow to get financially fit and healthy credit.

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3 her frugal ideas for Halloween happy

Halloween is just around the corner! Long tons of candy costume-fun-which makes me quite excited. One thing that can be loaded with around this time? Beyond the budget.  But I tell you that it be a problem.  Here are 3 non-budget busting her frugal ideas and Halloween.

Make your decorations

E

dit your own decorations can be daunting at first, but with so many resources available on the Internet, you can learn how to do it easily, I'll tell you one thing-shop craft a great inspiration! just stroll around the store, look for all the people around you and then go home and brainstorm different ideas such as:

The painting on the poster images jewelryRipping boardMaking with Halloween themes much cloth that drapes for look scary

There are tons of great ideas — all you need to do is get to think creatively!

Make your own food

  This is the part of Halloween can be a fun, in my opinion.Buy something from the local grocery store is not necessarily a budget-Buster; on the contrary, thus food supply a value, fun, much more.

Again there are many sources for ideas on great food for Halloween, so I will give you a few tips:

Let your imagination run wild.  Food really be creative with, especially with a little food coloring. don't be afraid to mix foods that typically do together.  This is Halloween, so be a little fun. Sketch the concept of food first. He doesn't have to be perfect, just sketch something to give you an idea.

  The most important thing is simply to enjoy with your pieces of art to show off to friends and family members.

Make your body

Cost get costumes must be really expensive.Fortunately there are many ways to make your own costume big lots of great sites and videos to teach you how.

One of my favorite costumes is a repository of local economics.You can get real clothes getting your outfit really believable — materials do not tend to be thin and costumes from.I went there one year, bought a pair of jeans for the us where I ended up ripping and added some fake blood.Then wat I zombie. year I'm going to be a gangster, so I get the correspondence from the same place.

As you can see from the craft store is a great place if you want to try making your own costume.This can be real fun task, especially if you are creative.I tried to make an outfit to wear a few years ago, I was surprised how a little fake blood showed. makes everything better.

If you need to buy a pre-made outfit, you're not picky, I wait until right before Halloween to go to the store Halloween because at the same time always have great deals. Unfortunately, the selection is really thin …. but cheap indeed.

Bonus: enter Halloween contests!
After your outfit, be sure to enter contests such competition Halloween mask Halloween FreeScore ' which runs until November 3rd. you'll get a chance at winning 583 only for uploading a picture of the mask and friends to vote for you. big prize winner ?????? mask, but the second and third place gets $ 200 entries to 100 $. winning that will help your budget is safe!

Do you have any ideas and Halloween modest?

About the author-Jeff foster

Our guest blogger, Kevin foster of weak financially writes about his passion for personal finance,. He often blogs on a variety of topics, hoping to help people take charge of their financial life, findings and suggestions. opinions expressed here belong exclusively to the author, not necessarily reflect the views of freescore.com

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As this may be interest fell of the ideal time to Refinance

By lowering their monthly mortgage payment, consumers with good credit scores you may be able to avoid defaults and foreclosures.  However, given the current state of the economy, many consumers remain wary of refinancing, suggests a new report. Nevertheless, with interest rates at record weekly consumer, you may find that you just have a good time to refinance.Interest rates on adjustable rate mortgages 5/1 were down the week 3.45 percent, the lowest level since Freddie Mac track such loans in 2005, according to a report from Reuters. one year adjustable rate mortgages fell even 3.30 percent. Although the general trend downward, even became a low demand for refinancing loans.Rates on 30-year mortgages, mortgages-15 has even slightly from the weekly record similar, reports the news source."The tight lending standards, and whereas a strong desire to criticism by homeowners refinance, the engine and does not allow them," Tom Porcelli, head of market economics in RBC capital markets, told Reuters. "This is a sad truth of the environment that we are now. "Experts believe that a home loan refinancin will provide a much needed Jolt economy, partly because it would be a sign that they are consumers ready to start spending again.View the original article here

JumpStart Monday to Personal Finance News & credit reports

Halloween party this weekend marks the first day of autumn, and before you know it, Thanksgiving, Hanukkah, Christmas and new year will roll around and leave the Seahorse emptier than expected.

Before it happens, these places Halloween economic step tips to kick-off holiday season with an attitude of sound money management to last in 2011.

Here are smart recommendations to enjoy a weekend spooky staying true to your budget:

New popular sites, purchasing group have achieved in spirit, offering vouchers worth 50% discount at Halloween sites and local stores. – 3 Steps to Slash the Bill Halloween; SmartMoneyCandy: try something different. My mother saved money by distributing freezer pop, as for example Fla-Vor-Ice, that children could take home and, well, freeze. And trick-or-treaters has always thought it was cool to get a popsicle.You can buy a box of 100 for $ 8 or less — at least half the price of a lot of fun size 100-125 Hershey candy bar.– Have a Happy Halloween on a budget;KiplingerWhat makes a big city trick or treat? well, it helps if you can easily walk through the city.Index of Zillow measured score walk for the America's largest cities and crime data, combined with its estimates of price at home and on population densities. in short, is an attempt to find the cities which "provide more candy, with minimal walking and security risks." – 2010 best city for Halloween: trick or treat; Post relationships. Consumer Huffington suggests tips on buying Halloween costumes and treats online, complete with the recommendations of the best websites of rated by Consumer Reports.

For the most awesome personal finance news and advice, check out today's Roundup of the best of the best on the Web! Now go ahead and plan your Halloween fun, frugal to beat the blues Monday!

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