March 23rd, 2011
I have been a member of Equifax Credit Monitoring, Score Watch, and ID Patrol for many years now. I have noticed something over the last year that I feel is very unfair and unacceptable.
I have been doing a lot to repair my credit and periodically have to dispute items on my credit report to get them removed or updated. Any time I submit a dispute, I have noticed that my credit score drops by 10 points within 24 hours of submitting my dispute. This happens every time, without fail. My score does not go back up until the dispute is complete. Some times that takes 45 days.
So what if I need to apply for a loan or something within that 45 days? This seems like unfair practice to me. I feel as though they are punishing users… Read the rest...
Tags: credit bureau, credit reporting agency, credit score, Equifax, unfair credit reporting
Posted in Consumer Credit | 1 Comment »
December 2nd, 2010
I recently had to do some digging on divorce and how that effects repayment of the First Time Home Buyer Tax Credit. I didn’t find a whole lot of information about my specific situation so I wanted to share it here with you.
My soon to be ex-husband bought our first home this past April. Only his name is on the mortgage, but we both got the full credit ($4,000 each for a total of $8,000). We are now getting a divorce and I wasnt sure if I would have to pay my half of the credit back.
After some research, I did find out that yes… whoever moves out of the home has to repay their portion (half) of the first time homebuyer tax credit. However, I also found out that if I legally transfer my rights to… Read the rest...
Tags: divorce and first time home buyer tax credit, first time home buyer tax credit, first time home buyer tax credit repayment, first time homebuyer tax break, first time homebuyer tax credit
Posted in Buying Our First Home, Housing, Taxes | 17 Comments »
November 23rd, 2010
In recent news, the UN peace keepers stationed in Haiti are the target of violence, due to beliefs that they are the cause and source of the deadly Cholera outbreak. With Haiti not having had an outbreak of Cholera in something near 100 years, the local citizens were quick to jump to conclusions.
The Haitians were also hit by a tremendous earthquake which brought the area to ruins. Many of the people are now living in tent cities and camps with unsanitary and detiorating conditions.
If the human race has learned anything, it should be that major catastrophes that cause the deterioration of living conditions and sanitation are almost always the primary cause for disease epidemics. It is ridiculous to me that the Haitians would blame the UN for the Cholera outbreak.
Considering that the UN is there to… Read the rest...
Tags: Haiti Cholera epidemic, Haiti Cholera outbreak, Haiti earthquake, UN in Haiti, violence against UN
Posted in Natural Disasters | 2 Comments »
