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CREDIT RESOURCES

The Last Resort for Credit

If you keep getting turned down for credit cards, a secured card is the way to go. Here's how they work: You make a deposit with the bank that issues the card. That money is held as collateral in case you don't pay your credit card bills (in the best cases you earn a respectable rate of interest on it). The amount you deposit is also, typically, your credit limit.
The card. In return, you get a secured Visa or MasterCard. It doesn't look any different from a regular credit card—you don't have to worry that some smug store clerk is going to give you a wink or a nod and that you'll be mortified. You just use the card and pay the bills at a slightly higher interest rate, generally, than standard counterparts.
The payoff. After eighteen or twenty-four months of on-time payments, the best programs will convert your card to a standard Visa or MasterCard and return your deposit.

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FORECLOSURE RESOURCES

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Credit Smart by Freddie Mac

washingtonpost.com - Personal Finance Advice From Washington Post Columnist Michelle Singletary - The Color of Money
Aug 27, 2008 04:27PM

http://www.washingtonpost.com/wp-dyn/content/linkset/2005/03/24/LI2005032400142.html?nav=rss_opinion/columns

Michelle Singletary on Aug 23, 2008 09:00PM

Despite Strides, Women Still Tripped Up by Confidence Gap

In the 1970s, there was an Enjoli perfume commercial showing a woman, clutching a fistful of money, who proclaimed she could bring home the bacon and fry it up in a pan.

Michelle Singletary on Aug 20, 2008 09:00PM

Keeping the IRS in Check

Nina E. Olson, the official appointed to speak out on behalf of U.S. taxpayers, has a few major gripes about the Internal Revenue Service. Among them, she believes the agency needs to better protect victims of tax-related identity theft. She also thinks the IRS should get more information out to homeowners about a new law eliminating taxes on debt canceled as a result of foreclosure.

Michelle Singletary on Aug 16, 2008 09:00PM

Before You Take That New Housing Credit . . .

Part of the Housing and Economic Recovery Act of 2008 authorizes a tax credit of up to $7,500 for qualified first-time home buyers. Based on the questions I'm getting from readers, many people are ready to jump on this money like Scooby-Doo panting after Scooby Snacks.

Michelle Singletary on Aug 13, 2008 09:00PM

Think of Tax Credit as 15-Year Loan, And Rethink Whether You Need It

Lots of folks have been asking me whether the much-touted first-time homebuyer tax credit is worth taking.

Michelle Singletary on Aug 09, 2008 09:00PM

Help for Seniors Who Have Reverse Mortgages

There's a lot to digest in the Housing and Economic Recovery Act of 2008.