Residential Construction Increase Expected

In the early 2000s, some in the residential-construction industry predicted that, in the not-too-distant future, the United States would reach its new-home saturation point. The result would be a corresponding growth in the remodeling industry because the houses that had been built in the 1980s and 1990s would require major updating. Although some builders added remodeling components to their businesses, the bursting of the housing...

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Money Talk: Beware Credit-Repair Rip-Offs

Question: I’m seeking help in reviewing my credit report and how to fix any issues. I am not financially distressed, but have FICO scores in the 675 range. Could you recommend someone I can hire to assist as I need to refinance a house I bought for cash? Answer: There’s so much fraud in the credit repair industry that you’re likely better off doing it yourself rather than exposing yourself to rip-offs. Credit repair companies aren’t...

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6 Ways You’re Sabotaging Your Credit Repair Efforts

Although the financial climate is improving and unemployment rates continue to drop, many consumers are struggling. Last year alone, U.S. courts reported nearly 1 million cases of Chapter 7 and Chapter 13 bankruptcy filings. How does a financial hardship like bankruptcy affect your long-term credit health? For one, the damage can remain on your credit report for seven to 10 years. If your credit is severely damaged because you filed...

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