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Credit Risk Now Has a Favorite Store: Is Where You Shop Indicative of Credit-Worthiness?

Add this to the ever-increasing pile of reasons why you should stop using credit cards. As if to mirror the Big Brother environment of post-Patriot Act America, credit card companies have started profiling people based upon not just how much they spend and how well they pay their bills, but where they use their credit […]

Refinancing v. Loan “Modification”: What is the Difference?

[singlepic=11,560,560,,center] If you are looking to refinance your home in the near future (as we are), you will probably be deluged with a ton of offers from various sources offering you better interest rates and “lower payments” on your existing mortgage. These offers are often from Loan modification companies, which are part of an industry […]