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Know About your Credit

Credit Repair Action Plan 1   There is a lot of information on credit repair available and I have reviewed a great deal of it on and off the web. A lot of what I found was mostly promotional material for one service or another. I have used the information from the Federal Trade Commission website as the basis for this section because I wanted to present unbiased facts. The FTC information is in italics.... [Read more]

Mortgage Reform

As part of its ongoing Mortgage Reform program in November of 2008 HUD published 24 CFR Parts 203 and 3500 Rule to Simplify and Improve the Process of Obtaining Mortgages and Reduce Consumer Settlement Costs. In short this was the result of a process which started in 2002 aimed at simplifying and clarifying the Good Faith Estimate (GFE) to enable the average borrower to easily understand a mortgage... [Read more]