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	7 smart moves to improve your credit score
	You'll get results and avoid nasty credit repair scams. ...

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	How to avoid foreclosure A bunch of new programs make it easier to refinance or modify an unaffordable mortgage so you can make the payments.
	When to walk away from your home There are eight reasons it might be time to accept the inevitable, cut your losses and let the bank foreclose.
	Is bankruptcy right for you? These 6 simple questions will help you decide whether your financial problems are so severe they can't be fixed any other way.
	How to get debt collectors off your back Our 10-step plan explains how they work and the best way to deal with them. They'll often go away for pennies on the dollar.
	Where to find the best secured credit card If you have terrible credit -- or no credit at all -- this is the plastic for you. Just don't waste hundreds of dollars a year on fees.
	Where to get free credit reports You'll be charged if you go directly to the three major reporting agencies. You must use AnnualCreditReport.com.

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NECESSARY MUST DOS

	Never pay before you get a loan. Only crooks ask borrowers to pay processing fees -- or other charges -- before the money is in their hands.
	Repay back taxes first The Internal Revenue Service has astonishing powers to get the money you owe -- and make your life miserable in the process.
	Get your FICO credit score -- not a substitute It's the credit score lenders look at when evaluating your application for a mortgage, car loan or credit card.
	Hire a good credit counselor If you're buried in bills, you need an adviser who can negotiate a reasonable repayment plan and get debt collectors off your back.
	Don't risk your ride with an auto title loan These are the worst kind of short-term, high-cost loans, because you're pledging your car or truck as collateral.
	Prepare for an emergency Only 40% of Americans have emergency savings. But there are other ways to get ready for unexpected expenses.

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LATEST TIPS

	Lawmakers criticize Paulson on bailout spending WASHINGTON - Faced with exasperated lawmakers upset by shifts in bailout strategy, Treasury Secretary Henry Paulson launched a spirited defense Tuesday of his handling of the $700 billion program and expressed fresh reservations about tapping the pool for mortgage guarantees to relieve skyrocketing home foreclosures.
	Foreclosures soar to record high An unprecedented 109 out of every 1,000 mortgages entered foreclosure during the second three months of 2008.
	New fees make mortgages a little more costly The government-chartered companies that provide most of the money for mortgages are charging more for borrowers with poor credit.
	The FDIC will refinance bad IndyMac mortgages It intends to modify the adjustable-rate loans of at least 25,000 homeowners, even if they're behind on their payments.
	Homeowners facing foreclosure have a new ally Judges are finding procedural errors that help borrowers save their homes -- or at least buy a little time.
	How promptly your bills are paid accounts for 35% of your credit score This critical measure is based on how diligently banks, stores, utility companies and other creditors say you pay your bills.

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BAD CREDIT CALCULATORS

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How much do you owe?
Total your debts. Devise a repayment plan.

Pay off your credit cards
Find the fast, cheap way to a $0 balance.

Get out of debt faster
Develop an accelerated repayment plan that consolidates your consumer debt into a single loan.

Cut costs with a cash-out refi
See how much you can save by consolidating auto and credit card debt into a new mortgage.

Consolidate your student loans
Forecast the savings and how it can be used to payoff credit cards and other high-cost loans.

Mortgage calculator
Calculate payments for any fixed-rate loan.

How much must you earn?
Determine the minimum income you’ll need for the mortgage you want.

How much home can you afford?
Figure out how much you can borrow based on how much you make and how much you owe.

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WORK SHEETS

	Fix credit report mistakes Use this form letter to dispute errors.

	Change the name on your credit report Just fill in the blanks on this form letter.

	Dealing with debt Take a comprehensive look at all your bills and develop a plan to pay them off.

	Transferring credit card balances Here’s all the information you’ll need to ensure a smooth transition to a new card.

	Ask for a lower rate on your credit cards Follow our script and record the results of every conversation.

	"No more late fees" work sheet Keep track of when your credit card bills are due, how much you owe and how much you've paid.

	4 steps to cancel a credit card This work sheet walks you through the process of closing an account without denting your credit score.

	What to tell the credit card company This form letter covers all the legalities for closing an account and informing the credit reporting agencies.

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BAD CREDIT Q & A

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Q.	Can I ask the credit bureau to remove charge-offs from my credit report?

Q.	How long will it take for my two bankruptcies to fall off my credit reports?

Q.	With a low credit score, how can I get a $5,000 loan for a family emergency?

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11/20/2008 10:22:03 AM

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