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Home equity lending surges as consumers consolidate debt

February 2, 2023 by Brett Tams

Home equity lending rose over the course of the past year as high interest rates kept borrowers away from traditional mortgage originations, according to a new TransUnion report. The number of new lines of credit secured by home equity increased to 405,646 year-over-year, up 41% from 286,925, TransUnion reported in its latest Credit Industry Insights … [Read more…]

Posted in: Refinance, Renting Tagged: 2021, 2022, business, Consumers, Credit, credit cards, Debt, equity, Financial Wize, FinancialWize, good, Grow, HELOCs, home, home equity, Home equity loans, homeowners, homes, improvements, industry, Inflation, interest, interest rate, interest rates, lenders, lending, loan, Loans, Make, More, Mortgage, Mortgage originations, new, News, older homes, Origination, Originations, Personal, Personal Loans, president, products, quality, rate, Rates, Research, traditional, TransUnion, trend, will, working

What is the Best Way to Screen Tenants for Rentals?

February 2, 2023 by Brett Tams

When I bought my first rental properties I managed them myself, with some help from my wife. If you ask my wife, she would probably say she managed them with a little bit of help from me. Whichever is true, we did a decent job of managing the houses, but we could have done much … Read more

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Can You Prevent Identity Theft?

February 2, 2023 by Brett Tams

Identity theft is something most adults think about at some point in their life. Whether someone you know has been a victim of identity theft, or it has happened to you- identity theft is something you should be thinking about. It can be incredibly messy to clean up after an identity thief. From reporting fraud, […]

The post Can You Prevent Identity Theft? appeared first on Credit Absolute.

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Minimum Credit Score for Buying a House

February 1, 2023 by Brett Tams

Minimum Credit Score for Buying a House is a post from Pocket Your Dollars.

Posted in: Mortgage, Refinance Tagged: All, Apps, Auto, auto loan, average, bad credit, bad credit score, Bank, bankruptcy, before, big, bills, Books, Budget, building, Buy, buy a house, buyers, Buying, Buying a house, CDs, clear, Clothes, collecting, Collections, cost, court, Credit, Credit Bureaus, credit card, credit cards, credit history, credit limit, Credit Report, credit score, credit scores, credit utilization, credit utilization ratio, Crisis, data, Data breaches, Debt, debt consolidation, debt-to-income, Debts, Delinquencies, down payment, eating out, Equifax, experian, farm, Fees, Financial Wize, FinancialWize, first-time buyers, First-time Homebuyers, fixing your credit, food, foreclosure, Foreclosures, Fraction, fraud, games, getting a mortgage, Giving, good, good credit, government, great, history, home, home loan, home loans, Homebuyers, homes, house, household, Housing, housing crisis, Income, Inquiries, inspections, Insurance, interest, interest rate, investments, items, late payments, lenders, Life, Lifestyle, loan, Loans, low, LOWER, Main, Make, making, market, money, More, Mortgage, mortgage lenders, mortgage loan, mortgage payments, MORTGAGE RATE, Mortgage Rates, Mortgages, Motivation, new, Other, patient, payment history, payments, Personal, personal loan, points, poor, principal, Purchase, Raise, rate, Rates, realtor, reward, right, risk, save, savings, searching, second, second home, Sell, selling, simple, Sites, Spending, statistics, stress, subprime mortgage, taxes, time, TransUnion, under, Video, wealth, will, work, wrong

How Do I Fix My Credit After Identity Theft?

February 1, 2023 by Brett Tams

Ah, identity theft. The two words that make all adults shudder. You have worked so hard to establish great credit. You have paid down your debt, paid your bills on time, and now all of the sudden- it’s gone. Identity theft can be really scary and damaging, but it is not the end of the world […]

The post How Do I Fix My Credit After Identity Theft? appeared first on Credit Absolute.

Posted in: Identity Theft Tagged: 2, All, balance, Bank, banks, before, bills, business, calculator, Checking Account, commission, Credit, Credit Bureaus, credit card, credit freeze, credit history, Debt, Equifax, experian, Finance, Financial Advice (general), Financial Wize, FinancialWize, fixing your credit, fraud, funds, future, great, history, ideas, identity theft, Insurance, list, loan, Main, Make, making, money, More, more money, protect, security, simple, social security, theft, time, TransUnion, will, working

How to Get a Free Credit Report in Minutes

February 1, 2023 by Brett Tams

Your annual credit report has records of every credit account, address, and payment towards debt you’ve ever made — and getting a copy is completely free. A free credit check report has much more information than your credit score allowing you to see how the length of your accounts, payment history, and credit utilization impact

The post How to Get a Free Credit Report in Minutes appeared first on MintLife Blog.

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Guide to Building Credit at 18: Starting Early Is Key

February 1, 2023 by Brett Tams

Guide to Building Credit at 18

Establishing a robust credit profile takes time, so teaching your children how to start building credit at 18 or younger can help them get ahead. Building a positive credit history is essential to accessing competitive borrowing opportunities in the future. If you have a teen or early-adult child, there are a few ways to help […]

The post Guide to Building Credit at 18: Starting Early Is Key appeared first on SoFi.

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Earned Income Tax Credit (EITC) Tax Refund Schedule for Tax Years 2022 and 2023

January 31, 2023 by Brett Tams

Earned Income Tax Credit (EITC) Tax Refund Schedule for Tax Years 2022 and 2023

The earned income tax credit directly reduces the amount of income tax owed by lower-income working taxpayers. Depending on a tax filer’s number of children, tax filing status, and income, the tax credit can be in the thousands. Here’s what you need to know about the 2022 EITC tax refund schedule and the 2023 EITC […]

The post Earned Income Tax Credit (EITC) Tax Refund Schedule for Tax Years 2022 and 2023 appeared first on SoFi.

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What is a Virtual Credit Card?

January 30, 2023 by Brett Tams

Online shopping has opened up a new world of convenience for busy multitaskers and shopaholics alike. The U.S. Census Bureau reported a 3.9% increase in e-Commerce sales in the second quarter of 2018, bringing online sales to $127.3 billion. With services offering to deliver your groceries, toiletries, and revamp your closet – it’s hard to

The post What is a Virtual Credit Card? appeared first on MintLife Blog.

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How to Fill Out Gift Tax Form 709

January 30, 2023 by Brett Tams

How to Fill Out Gift Tax Form 709

Form 709 is the way to report to the IRS any gifts made in the prior year that are subject to the gift tax. Don’t worry, though. Most people will never pay any taxes on gifts made over the course of their lives. The annual gift tax exemption amount is fairly substantial; the lifetime gift […]

The post How to Fill Out Gift Tax Form 709 appeared first on SoFi.

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