Average Credit Score

Your credit report can be influence by a variety of factors. It is important to know what you are doing before you start using your credit to make purchases. The more credit that you use, the more your credit score will be impacted. If you don't use credit you can still have a bad credit score. Do your research and make sure that you know what you are doing. When you want to buy a home and you don't understand your credit score, you may be in for a surprise.

$8000 tax credit for first time home buyers

The new 8000 tax credit is an awesome deal for first time home buyers. Take advantage of the 2009 American Recovery and Reinvestment Act of 2009. You can now get a $8000 tax credit just for buying a new home. That's dollar for dollar against your federal income tax returns. You must be a first time home buyer to be eligible for the program. The home must be your primary residence as well. The home you buy must be from someone that is not related to you.

8000 tax credit

$10000 tax credit California

HomePath Mortgage vs. FHA Mortgage

A HomePath Mortgage may be a better option than an FHA mortgage. A HomePath Mortgage only requires 3% down whereas an FHA mortgage can require 3.5% down. There is no PMI insurance on a HomePath Mortgage. An FHA mortgage has mortgage insurance as well as a 1.5% funding fee up front ouch. There is no appraisal required for a HomePath loan.

Home Path mortgage information

The American Recovery and Reinvestment Act of 2009

You must get and install the energy efficient appliances between January 1, 2009 until December 31, 2010.

The energy efficient improvements must be done on your property, principle residence.

If you make the energy efficient improvements to your second home or rental/investment properties by installing solar water heaters, solar panels, small wind energy systems you may be eligible for tax credits under Obama's American Recovery and Reinvestment Act of 2009.

The maximum tax credit that is allowd is $1,500 for all of the energy efficient improvements you make, except for the instances where you installed : geothermal heat pumps, solar water heaters, solar panel arrays, fuel cells, and small wind energy systems. These items are not subject to the $1,500 cap and eligible for a larger 30% tax credit. Special provisions apply to fuel cells and building a new principle residence. (please contact your tax preparer for more information on this).

the 8000 tax credit for first time home buyers explained

The tax credit that George Bush passed is very different from the one than the 8000 tax credit that President Obama passed.

8000 tax credit explained

Cobblestone Auto Spa in Scottsdale puts on the hard sell

The Cobblestone Car Wash in Scottsdale really puts on the hard sell. I recently had my oil changed at the Cobblestone Auto Spa in Scottsdale at the Frank Lloyd Wright and Hayden intersection. After surviving the attack of the service writers who are more like used car salesman, I ended up with an oil change that was over $90. The original special coupon that I brought in was $24.99. What a joke, it is like playing the shell game with those guys. The whole process there is very uncomfortable anyway. You got the windshield guy all over you wanting fix the chips in your winshield and the bozo trying to sell you detailing services. Very annoying, they need to teach these guys how to sell. I don't need the hard sell at the car wash. If I want to be hassled by annoying hard sell telemarketers I would just stay home.

I will never use Cobblestone to have my car washed or my oil changed ever again.

Rip Off Report

Is Credit Collection Services Commercial A Scam?

I just got a collection notice from Credit Collection Services Commerical for an alleged unpaid American Family Insurance Bill. The funny thing is that I changed insurance carriers in July 08 and they are claiming that the charge is for September 08. I even got a check back from American Family because I overpaid. So is this very official letter from Credit Collection Services Commercial for real or is it a scam to get money out of you. The letter has a crappy warningnotice.com lettering around the body of the letter.

The people on the phone there weren't very helpful either.

Two Wells Avenue, Dept 7250
Newton, Ma 02459

1-800-345-7498