Comments for Smart Loan Shop http://www.smartloanshop.com Maintaining good credit helps you to get better loans. Restoring bad credit is a must to enjoy good credit facilities in the future. Thu, 28 Aug 2008 15:40:03 +0000 http://wordpress.org/?v=2.2.1 Comment on Good Tips In Avoiding Debt Consolidation by Sofia Kim http://www.smartloanshop.com/2008/05/26/good-tips-in-avoiding-debt-consolidation/#comment-263 Sofia Kim Wed, 04 Jun 2008 02:33:12 +0000 http://www.smartloanshop.com/2008/05/26/good-tips-in-avoiding-debt-consolidation/#comment-263 No matter what type of debt you have accumulated, there are debt consolidation management programs out there that will provide you with the perfect solution to your problem. Thanks for the article! No matter what type of debt you have accumulated, there are debt consolidation management programs out there that will provide you with the perfect solution to your problem. Thanks for the article!

]]> Comment on When Is Home Refinancing The Right Decision? by CD Rates http://www.smartloanshop.com/2008/05/27/when-is-home-refinancing-the-right-decision/#comment-249 CD Rates Wed, 28 May 2008 21:57:41 +0000 http://www.smartloanshop.com/2008/05/27/when-is-home-refinancing-the-right-decision/#comment-249 When it comes to refinancing Fixed Loans, general rule of thumb is you need 1% to 1.5% for it to make much difference. Especially, when you take into account the items you suggested. One big thing to consider is property taxes. Most lenders (at least in CA) no longer allow you to pay them on your own. If you look to refi and you were doing them on your own, your house payment can go up dramatically. Of cours you should have been saving all along, but since our income can swing wildly, it was better to not have them be part of our house payment. When it comes to refinancing Fixed Loans, general rule of thumb is you need 1% to 1.5% for it to make much difference. Especially, when you take into account the items you suggested. One big thing to consider is property taxes. Most lenders (at least in CA) no longer allow you to pay them on your own. If you look to refi and you were doing them on your own, your house payment can go up dramatically. Of cours you should have been saving all along, but since our income can swing wildly, it was better to not have them be part of our house payment.

]]> Comment on What You Need to Know About Online Credit Reports by fix bad credit report repair http://www.smartloanshop.com/2008/05/27/what-you-need-to-know-about-online-credit-reports/#comment-248 fix bad credit report repair Wed, 28 May 2008 10:50:36 +0000 http://www.smartloanshop.com/2008/05/27/what-you-need-to-know-about-online-credit-reports/#comment-248 Getting help to fix bad credit is quite easy.Let’s take a look at some of the various ways of dealing with credit and raising credit scores for consumers who are not familiar with the steps involved. Getting help to fix bad credit is quite easy.Let’s take a look at some of the various ways of dealing with credit and raising credit scores for consumers who are not familiar with the steps involved.

]]> Comment on Will Credit Repair Work For You? by » Will Credit Repair Work For You? Credit Repair on Credit Speak: Find Info, News and More on Credit Repair http://www.smartloanshop.com/2008/02/17/will-credit-repair-work-for-you/#comment-207 » Will Credit Repair Work For You? Credit Repair on Credit Speak: Find Info, News and More on Credit Repair Thu, 13 Mar 2008 00:01:39 +0000 http://www.smartloanshop.com/2008/02/17/will-credit-repair-work-for-you/#comment-207 [...] Credit Repair Work For You? Posted in February 17th, 2008 by admin in Uncategorized admin placed an interesting blog post on Will Credit Repair Work For [...] […] Credit Repair Work For You? Posted in February 17th, 2008 by admin in Uncategorized admin placed an interesting blog post on Will Credit Repair Work For […]

]]> Comment on Myths of Credit Repair by » Myths of Credit Repair Credit Repair on Credit Speak: Find Info, News and More on Credit Repair http://www.smartloanshop.com/2008/02/17/myths-of-credit-repair/#comment-206 » Myths of Credit Repair Credit Repair on Credit Speak: Find Info, News and More on Credit Repair Thu, 13 Mar 2008 00:00:38 +0000 http://www.smartloanshop.com/2008/02/17/myths-of-credit-repair/#comment-206 [...] of Credit Repair Posted in February 17th, 2008 by admin in Uncategorized admin placed an observative post today on Myths of Credit [...] […] of Credit Repair Posted in February 17th, 2008 by admin in Uncategorized admin placed an observative post today on Myths of Credit […]

]]> Comment on Will Credit Repair Work For You? by dispute letter http://www.smartloanshop.com/2008/02/17/will-credit-repair-work-for-you/#comment-101 dispute letter Wed, 20 Feb 2008 05:17:03 +0000 http://www.smartloanshop.com/2008/02/17/will-credit-repair-work-for-you/#comment-101 This is a very good and well presented site. This is very useful for bad credit holders. Thank you for your suggestions. This is a very good and well presented site. This is very useful for bad credit holders. Thank you for your suggestions.

]]> Comment on Will Credit Repair Work For You? by Mark Bustamonte http://www.smartloanshop.com/2008/02/17/will-credit-repair-work-for-you/#comment-58 Mark Bustamonte Mon, 18 Feb 2008 05:02:07 +0000 http://www.smartloanshop.com/2008/02/17/will-credit-repair-work-for-you/#comment-58 Great article and right on point! I have been in the mortgage industry and credit repair industry for the last 10 years and it almost as if i wrote your article. The things you address here are exactly the things I tell my clients. Unfortunately I have had some clients that think that credit repair is the answer all to there problems with there credit and dont realize that it is a combination of things required to really make a difference in the credit scores along with a new way of thinking and self discipline. I applaud you for your knowledge and advise to anyone seeking credit repair. Great article and right on point! I have been in the mortgage industry and credit repair industry for the last 10 years and it almost as if i wrote your article. The things you address here are exactly the things I tell my clients. Unfortunately I have had some clients that think that credit repair is the answer all to there problems with there credit and dont realize that it is a combination of things required to really make a difference in the credit scores along with a new way of thinking and self discipline. I applaud you for your knowledge and advise to anyone seeking credit repair.

]]> Comment on Student Loan Consolidation Relief by Student Loan Consolidation - Student Loan Consolidation Debt Consolidation Loan http://www.smartloanshop.com/2007/08/07/student-loan-consolidation-relief/#comment-15 Student Loan Consolidation - Student Loan Consolidation Debt Consolidation Loan Fri, 31 Aug 2007 15:17:27 +0000 http://www.smartloanshop.com/2007/08/07/student-loan-consolidation-relief/#comment-15 [...] Student Loan Consolidation ReliefThe cost of attending college has been increasing at a much faster rate than most families incomes. Consolidate Student Loans … degree to become a debt slave. Check out the college loan relief solutions that may be of benefit … Many students have to go into debt in order to attend the college of their choice [...] […] Student Loan Consolidation ReliefThe cost of attending college has been increasing at a much faster rate than most families incomes. Consolidate Student Loans … degree to become a debt slave. Check out the college loan relief solutions that may be of benefit … Many students have to go into debt in order to attend the college of their choice […]

]]> Comment on Bears Stearns Credit Rating Negative by admin http://www.smartloanshop.com/2007/08/03/bears-stearns-credit-rating-negative/#comment-7 admin Mon, 13 Aug 2007 21:29:24 +0000 http://www.smartloanshop.com/2007/08/03/bears-stearns-credit-rating-negative/#comment-7 Hello Daniel, Thank you for your comment. The issue is a complex one. Basically Bear Stearns and other investment bankers operate hedge funds that have in turn invested heavily in the sub prime loan market for residential loans. Many of the borrowers of those loans have now stopped making payments. This has caused the value of the hedge funds portfolios to sharply fall. Bear Stearns has already pulled the plug on two of its hedge funds rather than inject more liquidity. Conditions in the sub prime market are so bad a number of mortgage companies, hedge funds , and perhaps even banks and investment banks may be forced into bankruptcy. The crisis is drying up liqudity in financial markets worldwide. I hope that this helps. Cheers, Gerald Hello Daniel,
Thank you for your comment.
The issue is a complex one. Basically Bear Stearns and other investment bankers operate hedge funds that have in turn invested heavily in the sub prime loan market for residential loans. Many of the borrowers of those loans have now stopped making payments. This has caused the value of the hedge funds portfolios to sharply fall. Bear Stearns has already pulled the plug on two of its hedge funds rather than inject more liquidity.
Conditions in the sub prime market are so bad a number of mortgage companies, hedge funds , and perhaps even banks and investment banks may be forced into bankruptcy.
The crisis is drying up liqudity in financial markets worldwide.

I hope that this helps. Cheers,
Gerald

]]> Comment on Bears Stearns Credit Rating Negative by Daniel http://www.smartloanshop.com/2007/08/03/bears-stearns-credit-rating-negative/#comment-6 Daniel Mon, 13 Aug 2007 19:14:33 +0000 http://www.smartloanshop.com/2007/08/03/bears-stearns-credit-rating-negative/#comment-6 I couldn't understand some parts of this article tearns Credit Rating Negative, but I guess I just need to check some more resources regarding this, because it sounds interesting. I couldn’t understand some parts of this article tearns Credit Rating Negative, but I guess I just need to check some more resources regarding this, because it sounds interesting.

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