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Your Money: Cleaning up your credit report - USA TODAY

I heard from a mother the other day who wanted to know if there was any way her daughter could get rid of some bad blemishes on her credit report.

Could you ask creditors if they'd remove such items, she wondered?

This mom is certainly not alone in her worries. But we're not talking about negotiating your way to a better grade school report card.

Many younger consumers are trying to...


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    It's bad enough that these letters are inaccurate. But even worse are So I asked Joseph A. Smith Jr., a former banking regulator in North Carolina who is monitoring the settlement, how he planned to vet the banks' claims of relief provided and

  • Fed's Bernanke Hits Delete, Erases $1 Trillion In Debt

    Chairman Ben Bernanke on Monday sought to rebut criticism that the Fed, by permitting the government to borrow on the cheap, "is enabling bad fiscal policy." But Fed asset buys could erase the cost of the $800 billion stimulus and then some. Call it

  • Rapid Reaction: A's 3, Rangers 1

    Elvis Andrus walked to lead off the sixth, but Hamilton hit into a double play to erase him. Michael Young's infield hit in the sixth didn't matter as went off starter Travis Blackley's glove for an infield hit. But then they had some bad luck when

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    Q. Peyton Manning has bounced back from his one bad game against Atlanta and has thrown five touchdowns with no interceptions in his last two games. But Bill Belichick made it pretty clear Monday on sports radio WEEI that he wasn't thinking about

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    Somewhere inside of my still intact protective helmet or skull, a physical or emotional collision may have occurred rendering a scar which prohibited proper healing. Too bad. And yet we all suffer damage in one way or another, do we not? How could it

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News Summary: Rates on US mortgages at record lows
RATES AT RECORD LOWS: Average U.S. rates on fixed mortgages fell again to record lows this week. The decline suggests the Federal Reserve's stimulus efforts may be having an impact on mortgage rates.

Rate on 30-year mortgage hits record low 3.40 pct.

In this Friday, Sept. 21, 2012, photo,a home is for sale in Oklahoma City. Average U.S. rates on fixed mortgages fell again to new record lows. The decline suggests the Federal Reserve's stimulus efforts may be having an impact on mortgage rates. Mortgage buyer Freddie Mac said Thursday, Sept. 27, 2012, the rate on the 30-year loan dropped to 3.40 percent. That's down from last week's rate of 3.49 percent, which was the lowest since long-term mortgages began in the 1950s. (AP Photo/Sue Ogrocki)Average U.S. rates on fixed mortgages fell again to new record lows. The decline suggests the Federal Reserve's stimulus efforts may be having an impact on mortgage rates.

Already signs Fed action is working: Boston Fed's Rosengren
QUINCY, Massachusetts (Reuters) - The Federal Reserve's decision last week to buy large quantities of mortgage-backed securities is already having a positive effect on wholesale mortgage rates, the president of the Federal Reserve Bank of Boston said on Thursday. Eric Rosengren, in a speech to a chamber of commerce in the Boston suburb of Quincy, also said the U.S. economy was clearly in better shape than some developed peers internationally, but still not strong enough to bring the unemployment rate down more quickly. (Reporting By Ben Berkowitz; Editing by Chizu Nomiyama)

Ahead of the Bell: Weekly mortgage rates
Loan buyer Freddie Mac reports Thursday on whether mortgage rates are continuing to hold near recent low rates.

U.S. mortgage refinancing applications rise as rates hit record low: MBA

A U.S. flag decorates a for-sale sign at a home in the Capitol Hill neighborhood of WashingtonNEW YORK (Reuters) - Applications for home mortgages dipped last week, though demand for refinancings rose as mortgage rates fell to a record low, an industry group said on Wednesday. The Mortgage Bankers Association said its seasonally adjusted index of mortgage application activity, which includes both refinancing and home purchase demand, edged down 0.2 percent in the week ended Sept 14. The seasonally adjusted index of refinancing applications gained 0.80 percent. The gauge of loan requests for home purchases, a leading indicator of home sales, tumbled 3.8 percent. ...

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