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If your credit score is bad but you need a loan, consider services that cater to people with poor credit scores. These companies know that some creditors with poor credit scores will still make their payments on time and so are willing to speak with debtors other companies would reject out of hand. You may have to deal with higher interest rates, but choosing a bad credit lender can go a long way to ensuring that your credit score won’t disqualify you for a loan.

In the long run, you can always refinance your loan to take advantage of a better rate once your credit score improves.

Popularity: 1% [?]

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Loans and Your Credit Score

Loans affect your credit score more than almost any other item on your credit report. The types of loans you have, how long you have had loans, the amounts you owe and your payment history on your loans has one of the biggest impacts on your credit score. If you can control your loans, you can boost your credit score. There are a few tips that can get you well on your way to painlessly managing your loans:

If you got a poor deal on a loan – especially a major loan such as a car or home loan – or if your credit rating has improved since you got your loan, you may want to consider refinancing. Refinancing means that you take your loan to another lender in order to enjoy better terms or rates.

You don’t want to do this too often – it prevents you from developing long-term relationships with lenders and results in inquiries on your credit report – but if you have good reasons to refinance, it can actually help you repay your debts. For example, if you can get more reasonable monthly bills that you will actually be able to repay, refinancing can help prevent all those non-payment credit dings that come from not being able to pay your bills. Making your payments more affordable can save you money and can save your credit score.

In the short term, refinancing can push your credit score down, as you will acquire inquiries on your credit report as you look for a new lender and as you close old accounts and open new accounts. In the long term, though, refinancing can be a good way of boosting your credit score. If you are now missing or delaying payments because you cannot afford monthly bills, for example, refinancing a loan or two can be a good way to get back on track and can get you repairing your credit score again.

Popularity: 1% [?]

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Who To Blame – I recently published an article which discussed who to blame when you upgrade WordPress and discover that your favorite plugin breaks. The thesis of the post describes release cycles, the testing of plugins, and how users should not expect the WordPress team to test every plugin known to man to ensure compatibility. – http://weblogtoolscollection.com/archives/2008/08/24/stop-blaming-the-wordpress-team/

New Interface On The Way – Ryan Boren announced that the new user interface for WordPress 2.7 is now available in trunk. For those of you that are anxious to see the changes, you can download the latest build and install it on a local server. I’ve used the interface myself and for those of you who recently got used to the way 2.5 looks and feels, you’ll be in for a surprise. The write panel is now modular allowing drag and drop of elements, the top nav menu is now relegated to a left hand sidebar and last but not least, bits and pieces of the core upgrade functionality have been thrown in and so far, appears to be working.- http://wpdevel.wordpress.com/2008/08/22/new-ui-from-the-crazyhorse-experimental/

Tons Of Plugins – Did you know that the WordPress plugin repository houses 2,794 different WordPress Plugins and widgets with 10,946,839 downloads! That is a lot of extensibility. -

Plugin Of The Week – Liz Strauss Comment Badge – Liz Strauss Comment Counter is a highly configurable “comment badge” that shows the number of comments your WordPress blog has. Use it either to show off how social your blog is, as an incentive for commenter’s to be part of the blog, or just because it’s fun.

If you would like to know more about what is going on within the world of WordPress, visit www.weblogtoolscollection.com

Popularity: 6% [?]

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Thanks to automatic bank payments, you can have your bills taken out of your checking account each month or even charged to your credit card. If you are the sort of person who gets dings on their credit report because you can never remember to pay your bills on time, this can be a very useful service.

You can even set up your email service to send you automatic reminders of bills that are due soon so that you can pay them. This sort of automation is one of the nicer things about high-tech living and can help you keep your credit score clean if your credit score suffers mainly from your own forgetfulness or disorganization.

Popularity: 1% [?]

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As you can likely tell by now, credit repair is not one magical solution but rather lots of relatively small things you can do to help repair your credit. To make sure that you don’t over look any one thing, you may want to develop a to do list that you can post and check off.

You may list credit accounts you need to close, accounts you need to pay down, people you need to contact, and things you need to check out or research. As you tick off each item, you will get a real sense of accomplishment knowing that you are taking steps to improve your finances. Keeping a credit repair checklist posted will also keep you on track and let you know what you still need to do.

Popularity: 1% [?]

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Coming up on Friday, August 29th, 2008, we will have Patrick O’Keefe, author of “Managing Online Forums: Everything You Need to Know to Create and Run Successful Community Discussion Boards” as our special guest on Podcaster Training.

After our interview with Patrick, we will have a Q&A session for the viewers and listeners. Be sure to join us live and you can even call into the show live and ask your questions personally!

Want to know more about Patrick’s book? Visit his web site at http://www.managingonlineforums.com/

Podcaster Training airs live at 8:00pm EST at http://www.newmediapro.tv

Popularity: 7% [?]

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We all know what a virus is, whether a biological virus or a computer virus, it can spread like wildfire when introduced the proper way or method. These types of viruses can be harmful and sometimes devastating. However, when you want your podcast, web site or blog to go viral, then you really want this “virus” to spread to as many people as you possibly can.

In this episode, we discuss different ways to make your podcast go viral. Many of the methods discussed here are also applied to Internet Marketing as well.

Jeff gave his WordPress Weekly News via a pre-recorded segment and did call in later in the show.

Patti and I talked more on the Business 101 Segment about podcast promotion and then I had to shutdown the show and not do an After Show as I had an early day the next day.

I found out later that Josh Budde ran his own version of the After Show and had several join him.

Popularity: 5% [?]

Podcast: Play in new window | Download

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A few points on a credit score can mean the difference between a lender offering you a prime rate reserved for the best credit risks and the worse interest rate offered to less than prime customers. This may amount to only a few percentages in different loan rates, but this can make a huge impact, especially on a large purchase. For example, a few percentage points on a long-term fixed-rate loan can mean the difference between tens of thousands of dollars saved – or tens of thousands of dollars overspent.

It is in your best interest to boost your credit score by every percentage point you can and to fight for the very lowest interest rate loans you can. After all, if you have larger payments each month due to a higher interest rate than you deserve, it will be harder for you to repay your bills. Also, you will qualify for fewer loans if you have higher-than-needed interest rates, as you will be able to afford fewer of the larger monthly payments.

Popularity: 1% [?]

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Little things make a big difference. Misquoting your social insurance number or using a slightly different name (Jane Doe Smith instead of Jane Smith) can make a big difference, since credit bureaus can count the two names as different people. Making sure that you fill out each financial form accurately and in the same way can go a long way in ensuring that there are no mistakes in identity that can affect your credit score.

Popularity: 1% [?]