Credit Repair Texas: 2009

Friday, December 18, 2009

Double Check your Credit Card Interest Rates!

rate increases coming! Let us take a look..

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The Latest Credit-Card Tricks
With new federal rules looming, card issuers are concocting creative ways to collect fees

PICK A RATE

Almost 120 million accounts may be affected by a change that will allow issuers—when setting the variable rate on a card—to pick the highest rate in the past three months from the interest-rate index it tracks. Previously, companies used the rate on the last day of the billing cycle. The result is that borrowers pay an average interest rate that is 0.3 percentage points higher than before. The card industry could generate $720 million a year from this shift, estimates the Center for Responsible Lending, a consumer advocacy group.

http://www.businessweek.com/magazine/content/09_52/b4161095199108.htm

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Interest rates on Credit Cards Up Up Up!

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Average Credit Card Rate Breaks the 16% Barrier

Credit card issuers continue to raise rates on their offers to new customers -- leaving customers who are frustrated by hikes on their current cards with few good options. For the first time since IndexCreditCards.com began tracking rates in 2005, the average credit card rate has broken 16% -- jumping to 16.36% today, from 15.94% at this time last month. This is the latest in a succession of increases that has caused average rates to skyrocket by over two-and-one-half points just since March of this year.

http://www.indexcreditcards.com/credit-card-rates-monitor/

Thursday, December 17, 2009

Credit on Main Street Declines

Consumer Credit continues to contract. lets take a look

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David Rosenberg notes the record setting credit crunch that continues on Main Street:

Consumer credit in October fell less than consensus expectations, falling $3.5bln (or -1.7% at an annual rate) versus market estimates of a steep $9.4bln decline. September was revised to now show an $8.7bln decline compared to earlier estimates of -$14.8bln. However, we are now in a phase of frugality and households are not willing to take on more debt — this is the ninth consecutive monthly of decline in consumer credit, a streak never before seen in the data’s 66-year history — at a time when wages are still falling and the unemployment rate is still at lofty levels.
Moreover, with record delinquency rates and the fragility of the U.S. financial sector, banks continue to tighten credit conditions and as a result are hesitant to extend its lending practice. Indeed, revolving consumer credit (credit cards) fell $6.9bln (or -9.3% at an annual rate) to $888.1bln, which is the lowest level since March 2007 and is now down $87.1bln from the peak back in September 2008. Non-revolving consumer credit did rise $3.5bln (or +2.6% annualized) in October, but that was probably the result of stronger auto sales, which rose 1.2% in October.
http://seekingalpha.com/article/177942-u-s-economy-one-green-shoot-a-mixed-bag

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Wednesday, December 16, 2009

Credit tightening

.... let's take a look

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Nation's 4 biggest banks cut business lending by $100 Billion since April

While the administration and Congress work to increase bank lending, the nation's four biggest banks have collectively cut their loans to businesses by more than $100 billion over the past six months, according to new federal datareleased on Tuesday.

Bank of America, JPMorgan Chase, Citigroup and Wells Fargo cut their commercial and industrial lending by a combined 15 percent from April to October, representing $100 billion, according to the most recent Treasury Department data. Loans to small businesses are down $7 billion, or four percent.

http://www.huffingtonpost.com/2009/12/16/nations-4-biggest-banks-c_n_394264.html

Tuesday, December 15, 2009

Principle reduction option

Let us take a look.

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Mortgage rates in the United States have dropped to their lowest levels since the 1940s, thanks to a trillion-dollar intervention by the federal government. Yet the banks that once handed out home loans freely are imposing such stringent requirements that many homeowners who might want to refinance are effectively locked out.

The scarcity of credit not only hurts homeowners but also has broad economic repercussions at a time when consumer spending and employment are showing modest signs of improvement, hinting at a recovery after two years of recession.

Refinancing could save owners hundreds of dollars a month, which could be spent, saved or used to pay down debts. Extra spending would help lift the economy, and lower payments might spare some people from losing their homes to foreclosure.

http://www.nytimes.com/2009/12/13/business/economy/13rates.html?_r=2

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Monday, December 14, 2009

As banks recover main street lags:

Let us take a look

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WASHINGTON – President Barack Obama implored top bankers Monday to help keep the fragile recovery from faltering by boosting lending to small businesses and getting behind an overhaul of financial regulation. "We rise and fall together," Obama declared.

In response to the president's burst of populist jawboning, some banks pledged to increase loans and exercise more self-control over outsized compensation. But the full impact of Obama's intervention was hard to gauge: The government is losing leverage as major banks repay bailout loans.

Obama's lecture to the bankers was also part of a broader election-season Democratic effort to tie sluggish bank lending to continued high joblessness — and to try to tie the banking industry to Republican efforts against Obama's financial overhaul legislation.

It's a tough balancing act, given past contributions of big banks to Democratic as well as Republican candidates.

http://news.yahoo.com/s/ap/20091214/ap_on_bi_ge/us_obama_banks

State Government withholds money to cities

New York leads the way in cutting local budgets. let us take a look...

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Gov. David A . patterson announced on Sunday that he would unilaterally withhold $750 million in scheduled payments to schools and local governments, saying that strong action was necessary to protect New York State from insolvency.

The reductions of 10 to 19 percent in aid will affect schools and social service providers, health insurance payments, cities and counties. Mr. Paterson said the withheld funds were not “a cut” or an “impoundment” — perhaps drawing a legal distinction because only the Legislature is empowered to make permanent budget cuts.

Some lawmakers called the move illegal, but the governor said “we are well within the bounds of legal authority.”

http://www.nytimes.com/2009/12/14/nyregion/14budget.html?_r=2&scp=2&sq=paterson&st=csew.oregon-credit-repair.com, www.consumercreditcapital.net, www.oregoncreditcapital.com, www.creditscorecounseling.com, credit, repair, report, bad, improve, companies, fix, information, services, service, help, software, legal, own, rebuild, dispute, file, credit report, repair credit, credit report, fix bad, auto loan, reverse mortgage, improve credit, credit repair companies, fix credit, credit repair information, credit repair services, credit repair software, legal credit repair, repair own credit, rebuild credit, dispute credit, credit file, foreclosure, short sale, bankruptcy, loan, refinance, Oregon, Portland, Medford, Salem, auto loan, bad credit, car loan, credit, Credit Repair, fico, Fico Score, internal revenue service, irs, New Cars, tax deduction

Friday, December 11, 2009

Cram Down legislation Fails!

...even a broken clock is right twice a day. Let's take a look.

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Mortgage ‘Cram-Down’ Amendment Fails in U.S. House

Dec. 11 (Bloomberg) -- The U.S. House rejected a mortgage “cram-down” amendment that would have given federal judges the power to lengthen mortgage terms, cut interest rates and reduce loan balances for homeowners in bankruptcy court.
Lawmakers voted 241-188 today against the amendment, which was to be part of broader legislation reining in excessive risk taking on Wall Street. All but four of the Republicans who voted opposed the amendment, pulling with them 71 Democrats to defeat the measure.
The cram-down provision was identical to legislation that passed the House in March and then failed in the Senate amid opposition from the banking industry. Banks and broker-dealers told House leaders in a Dec. 8 letter that the legislation would increase bankruptcy filings, lead to abuses of the court system and undermine efforts to stabilize the housing market.
Lenders are “gratified that the House saw fit to vote down the bankruptcy cram-down amendment that would have further increased costs for borrowers,” the Washington-based Mortgage Bankers Association, the industry’s largest trade group, said in a statement today.
Representative Dan Lungren, a California Republican, said the amendment would increase mortgage insurance premiums for borrowers “and deny help to those we seek to help.”
“This is a prime example of good intentions creating bad policy,” he said before the vote.
http://www.bloomberg.com/apps/news?pid=20601087&sid=azB6PD4NAPSs&pos=3

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Wednesday, December 9, 2009

Mortgage relief slow!

The second time is the charm? lets take a look?

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New Push on Mortgage Relief

In the latest move to bolster its $75 billion foreclosure-prevention plan, the Obama administration on Monday will outline new efforts designed to increase the number of borrowers who receive mortgage relief.

The Treasury Department on Monday will announce plans to appoint officials to monitor the actions of the largest mortgage servicing companies on a daily basis. It also will announce it is requiring mortgage companies to develop and report to the administration their plans to increase the number of completed modifications, a Treasury spokeswoman said.

While more than 650,000 borrowers have been given trial mortgage modifications under the plan, few borrowers have received permanent modifications. Many borrowers complain that it is difficult to get a permanent fix even once they have made trial payments; some have been required to send in duplicate paperwork or even ended up further behind on their mortgage payments.

http://online.wsj.com/article/SB125952206832568569.html?mod=WSJ_hps_LEFTWhatsNews

Credit bureau can't track information by itself

Credit bureau admits it can't handle information flow: Let us take a look

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Experian and Convoke Systems Partner to Resolve Documentation and Chain of Title Needs for Collections and Recovery Industry

Product to solve critical industry needs while maximizing recoveries and protecting consumer informationPR Newswire

COSTA MESA, Calif. and SAN FRANCISCO, Dec. 9 /PRNewswire-FirstCall/ -- Experian®, the leading global information services company, along with Convoke Systems, today announced its partnership to offer a product that improves transparency, uniformity and information flow within the financial services, automotive, telecommunications and accounts receivable management (ARM) industries.

http://www.rttnews.com/ViewPR.aspx?PrID=523242&SMap=1

Thursday, November 19, 2009

Foreclosures broaden up the chain

Foreclosures hitting more people with good credit

WASHINGTON — The foreclosure crisis likely will persist well into next year as high unemployment pushes more people out of homes, pulls down housing prices and raises concerns about the broader economic recovery.

The latest evidence was a report Thursday that a rising proportion of fixed-rate home loans made to people with good credit are sinking into foreclosure. That's a shift from last year, when riskier subprime loans drove the housing crisis.

The report from the Mortgage Bankers Association also found that 14 percent of homeowners with a mortgage were either behind on payments or in foreclosure at the end of September. It was a record-high figure for the ninth straight quarter.

The data suggest the housing market and the broader recovery will remain under pressure from the surge in home-loan defaults, especially as unemployment keeps rising. Lost jobs are the main reason homeowners are falling behind on their mortgages.

http://www.google.com/hostednews/ap/article/ALeqM5jYpmPSg0IbaMEFonSzy5g-fIAR0gD9C2RBJO0

Sunday, October 25, 2009

Credit Cards Canceled

Citi is canceling credit cards. Let's take a look.

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Citi closes Gas linked credit card without warning.

Shannon Burdette tried to pay with her Shell Mastercard after filling up her gas tank this weekend but found the card rejected. Confused, she called the customer service line on the back of the card, issued by Citibank, and was told the account was closed because of something that appeared on her credit report. But when the Sykesville Md., resident got a copy of her credit report online, the only negative thing she saw was "closed at credit grantor's request" on the Shell MasterCard account.

http://www.baltimoresun.com/business/bal-creditcard1020,0,1649893.story

Saturday, October 24, 2009

Consumer Protection 2010

let's take a look:

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.....................The legislation, known as the Credit Card Accountability, Responsibility, and Disclosure Act of 2009, .............. will take effect in February, but portions of it are set to come into play in the coming weeks.
But while advocates say the legislation does offer consumers some protection, it has led banks to get creative in finding new revenue streams to replace those put in jeopardy.
“The issuers are finding new ways to secure income before the February deadline when their hands will be somewhat tied,” said Gail Cunningham, Vice President of Public Relations at the National Foundation for Credit Counseling. Cunningham compared the legislation to a boardwalk game of “Whac-A-Mole,” where a new furry critter pops up each time you smack one back into its hole....................
http://www.foxbusiness.com/story/personal-finance/lifestyle-money/consumer-debt/credit-card-fees-rising-consumer-protection-act-blame/
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Friday, October 23, 2009

Credit continues to tighten

Citibank is canceling members cards and hiking rates on others. Let us take a look:

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...................."I received two letters by mail from Citibank yesterday. One said that because I always paid my account on time and that I was such a great customer they were increasing my credit limit. The next letter I opened stated that Citibank was raising my interest rate from the current 18.99% to 29.99%.

I had two choices either I accepted the rate hike or Citibank would honor the current interest rate until the expiration date of my current card, which fortunately was 8/31/2011, and at that time they would close my account, but I was still expected to continue to make payments until the account was paid in full. I have been a cardholder with Citibank for 20 years and was told that due to the current economic downturn the company was forced to raise interest rates regardless of credit scores and payment history. My husband and I have good credit and are making a genuine effort to get out of debt by purchasing next to nothing on credit.".................

http://www.businessinsider.com/citi-customers-reach-out-to-us-2009-10

Sunday, October 18, 2009

Auto Sales Down

Let's take a look.......

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..................U.S. auto sales had averaged 16.4 million annually this decade through 2008, when sales plunged to 13.2 million. Rates continued to drop this year, hitting 27-year lows before appearing to bottom out. Analysts now are forecasting several years of gentle increases.

In the meantime, low sales and high cost structures sent all three Detroit automakers scrambling to restructure. GM and Chrysler did so under government-sponsored bankruptcy, while Ford has restructured within its own resources. Ford reached a tentative agreement this week with the UAW to bring its costs in line with those of its Detroit rivals.

The companies are now poised to profit at new sales levels. For instance, the government says GM's restructuring will eventually make it profitable in a 10-million-unit sales environment.............

http://www.autonews.com/article/20091016/ANA02/910169973/1176/FRONTPAGE

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Saturday, October 17, 2009

Warehouse store sales up nearly 50 percent!

This is a must see graphical representation of changing shopping habits. Let us take a look.

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Shoppers’ Shifting Priorities

Last year, consumers pulled back on spending and the retail sector suffered. But not all retailers are faring worse than they did a few years ago. Against a baseline of spending levels in 2003, sales in computer stores have continued to rise. Restaurant and liquor-store sales are at much higher levels, and purchases at warehouse stores are up nearly 50 percent. Still, in major retail divisions like home furnishings and clothing, sales faltered in 2007 and are now below their levels of 2003.

http://www.nytimes.com/interactive/2009/10/03/business/metrics-retail-sales.html

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Wednesday, October 14, 2009

Rosenberg: “The U.S. is going to be grappling with a consumer who’s going to be downsizing”

David Rosenberg is one of the guys that has been getting things right on the economy for quit a long time. Let's take a look at what he is saying.....

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“Right now the economy is being held together by very strong tape and glue provided by the Fed, Treasury and Congress,” he says. Rosenberg sees gross domestic product stalling in the current quarter, growing at an annual rate of no more than 1 percent in the first three months of 2010 and no more than 2 percent for all of 2010."

.............U.S. Sales of new cars and light-duty trucks dropped 40.9 percent in September from the previous month after the government’s Cash-for-Clunkers program ended Aug. 24, according to data from Woodcliff Lake, New Jersey-based Autodata Corp. Tax credits for first-time home buyers -- which helped boost sales of existing single-family houses 13.5 percent since January -- will expire Nov. 30. The Fed will end a $300 billion program to buy Treasury bonds at the end of this month and wind down purchases of $1.5 trillion in agency and mortgage-backed securities in the first quarter.

Take that stimulus away, and there’s little to boost growth out of the recession that began in December 2007, Rosenberg says. The recovery will resemble the so-called jobless recovery of 2002, when the economy grew just 1.8 percent.........

http://www.bloomberg.com/apps/news?pid=20601103&sid=axnCbWZ33aEU

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Tuesday, October 13, 2009

Oregon's Minimum wage to drop?

Oregon's Minimum wage to drop? Oregon's minimum wage is tied to CPI. CPI drops so this should drop minimum wage. Let us take a look...

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DENVER – Colorado will become the first state to reduce its minimum wage because of a falling cost of living.

The state Department of Labor and Employment ordered the wage down to $7.24 from $7.28. That's lower than the federal minimum wageof $7.25, so most minimum wage workers would lose only 3 cents an hour.

Colorado is one of 10 states where the minimum wage is tied to inflation. The indexing is thought to protect low-wage workers from having flat wages as the cost of living goes up.

..........Other states with minimum wages that rise with inflation are Arizona, Missouri, Montana, Nevada, Oregon, Vermont and Washington........

http://news.yahoo.com/s/ap/20091013/ap_on_bi_ge/us_minimum_wage_drop;_ylt=AkVnUDk_Sf6nlYnWF_1DOnSs0NUE;_ylu=X3oDMTNqcWJ0dHFyBGFzc2V0A2FwLzIwMDkxMDEzL3VzX21pbmltdW1fd2FnZV9kcm9wBGNjb2RlA3JhbmRvbQRjcG9zAzcEcG9zAzQEcHQDaG9tZV9jb2tlBHNlYwN5bl9oZWFkbGluZV9saXN0BHNsawNjb2xvcmFkb21pbmk-

Sunday, October 11, 2009

Oregon Tax Revenue Down Year over Year

State tax revenue 2nd quarter year over year.

Let's take a look.

2nd Quarter y/y State Tax Revenue

State	Total 2009 tax revenue (in dollars)	Change in total taxes from 2008	Change in sales taxes from 2008	Change in individual income taxes from 2008
U.S. Total	199,725,107	-17%	-9%	-27%
Alabama	2,130,092	-13%	-10%	-24%
Alaska	596,754	-87%	N/A	N/A
Arizona	2,562,395	-27%	-27%	-44%
Arkansas	2,103,330	-5%	-8%	-13%
California	33,544,129	-14%	-10%	-33%
Colorado	2,333,248	-24%	-14%	-30%
Connecticut	3,618,740	-20%	-9%	-27%
Delaware	773,047	-25%	N/A	-36%
Florida	8,228,366	-12%	-13%	N/A
Georgia	4,178,469	-17%	-11%	-19%
Hawaii	1,145,002	-16%	-8%	-34%
Idaho	922,192	-21%	-14%	-29%
Illinois	7,697,097	-12%	-10%	-24%
Indiana	4,106,673	-10%	-5%	-18%
Iowa	1,827,461	-9%	6%	-16%
Kansas	1,911,819	-15%	-2%	-17%
Kentucky	2,555,914	-8%	-3%	-17%
Louisiana	2,613,195	-18%	-11%	-16%
Maine	1,151,649	-15%	-7%	-27%
Maryland	4,896,343	-17%	-9%	-27%
Massachusetts	5,420,143	-19%	-9%	-27%
Michigan	5,768,785	-7%	12%	-23%
Minnesota	5,009,478	-13%	-5%	-24%
Mississippi	1,831,891	-9%	-8%	-10%
Missouri	2,752,244	-17%	-9%	-25%
Montana	729,607	-18%	N/A	-22%
Nebraska	1,063,323	-13%	-9%	-15%
Nevada	2,367,012	-6%	-18%	N/A
New Hampshire	484,865	-10%	N/A	-31%
New Jersey	9,359,609	-15%	-9%	-27%
New Mexico	1,077,605	-31%	-15%	-59%
New York	14,079,442	-22%	-9%	-31%
North Carolina	5,380,022	-22%	-8%	-36%
North Dakota	612,734	-16%	-4%	12%
Ohio	6,822,340	-15%	-9%	-25%
Oklahoma	1,902,249	-22%	-5%	-18%
Oregon	2,025,638	-27%	N/A	-30%
Pennsylvania	7,904,008	-13%	-8%	-20%
Rhode Island	771,955	-9%	-6%	-17%
South Carolina	2,261,527	-21%	-14%	-29%
South Dakota	279,699	-1%	15%	N/A
Tennessee	3,097,435	-11%	-10%	-26%
Texas	12,293,040	-12%	-6%	N/A
Utah	1,600,094	-16%	-9%	-27%
Vermont	1,209,578	2%	-6%	-29%
Virginia	4,748,221	-15%	-10%	-20%
Washington	3,996,157	-8%	-9%	N/A
West Virginia	1,273,875	-4%	-2%	2%
Wisconsin	3,904,648	-24%	-34%	-32%
Wyoming	801,968	-5%	-13%	N/A
Washington D.C.	1,369,161	-5%	-9%	-25%

Source: Census Bureau

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