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You have good reason to want to block access to your credit report — credit card fraud and identity theft were two of the top ten crimes listed in the 2010 Federal Bureau of Investigation’s Internal Crime Complaint Center Internet Crime Report. You can block most people from accessing your credit report, but a would-be thief can still steal your private information and commit fraud under your name.

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You can save money planning your meals and shopping carefully. You can also save money in the kitchen by cooking and storing food economically to reduce your electricity and gas bills.

Led by Vincent Howard, our Norco foreclosure defense attorneys have avidly watched the litigation by our neighboring states against Countrywide Financial. That company (through Bank of America, its successor in interest) settled in 2009 with states charges that it had engaged in consumer fraud in its mortgage lending. In particular, it faced accusations that it steered borrowers into loans it knew they couldn’t afford, and sometimes engaged in race-based “reverse redlining.” Perhaps not surprisingly, two of the states participating in that settlement were hard-sit southwestern neighbors of California’s, Nevada and Arizona. Arizona made a splash in late 2010 when it sued Countrywide again, alleging failure to keep to the terms of its settlement. Now, the Ninth U.S.

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There are a lot of worthy causes in the world that people can devote themselves to. The cause that people may have is to provide a cure for some sort of terminal illness or to eliminate to a certain degree the prevalence of hunger in the world. These are noble goals to have especially for the purposes of eliminating human tragedy but there are certainly other ways to go about helping people and when it comes to their credit there are people that can really use some professional help.

The thing is though is that this type of help is usually only doled out by financial professionals and are more likely than not also accompanied by a significant fee.

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A Homeowner’s Association, or HOA, collects fees from homeowners within a community to maintain common areas, such as parks and swimming pools. In some states, the HOA has the right to foreclose on a property if HOA fees are not paid. If you’re facing a foreclosure by a HOA, it will affect your credit report.

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