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Many people hoped to erase negative information from their credit report after the 30-day rule had elapsed and still the credit bureau found no proof that that the information is true, indeed. People may try using a return address overseas, file multiple dispute letters and mail all of it at the same time or draft dispute letters that explain negative information in your report. While some of these options might work occasionally, these are desperate options already. And do not even try to do these things to dispute accurate information in your report.

The very first thing that people can do to improve their scores is to take a look at their reports.

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Allegations that California foreclosure auctions and tax deed sales are being manipulated have surfaced and the FBI is reportedly conducting an investigation. Rumors are circulating that speculators are rigging the bids at the auctions by paying some bidders to not make offers. This results in the auctioned property selling for a lower price. The auctions allow buyers to purchase properties at prices below market value. 

Reportedly, federal investigators have issued warrants in connection with the claims, citing possible instances of anti-competitive activities. If the California foreclosure auctions are found to be rigged, those participating can be charged with violation of the Sherman Antitrust Act.

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If there is any advice that must be given to people with low credit scores, this might be one of the best: Let your creditor decide if you are not qualified for a mortgage. Many people are guilty of deciding for their own fate in this matter. However, you should just let the lender decide for you. You don’t need to undergo the trouble of assessing your score when, in fact, you do not even have an idea of how that particular lender assesses loan applicants. You only have an idea; the exact algorithm is kept in secrecy.

The perennial mistake people make when applying for a loan with a low score is that they bypass asking for quotes from prime lenders. There is really no universal “good” or “bad” score. Scores ma

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For those of you that are not sure what a California foreclosure is, it is when a homeowner is not able to make principle and interest payments on their monthly mortgage. As a result, the mortgage company will take the property and sell it, which will be stated in the mortgage contract when the homeowner first signs it. This type of foreclosure varies among lenders; it all depends on each individual situation. 

As a homeowner, it is totally up to you if you would like to sell or keep your home during the California foreclosure process. If you prefer not to keep your home, it will actually be sold before it reaches the foreclosure process.

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**Today’s guest post is contributed by MoneyAisle.**

Personal loans are fast, flexible, and practical. These loans can be used in a number of different and unrestricted ways from fixing your home to paying for your dream wedding. Unlike other loans, such as home loans, lenders rarely dictate how the funds from a personal loan should be used.

In addition, borrowers do not have to provide collateral in order to obtain a personal loan. Not offering up your home or other asset in exchange for a loan often provides peace of mind.

These are the main reasons why personal loans are in high demand all across the world. W

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Blockbuster Video filed for bankruptcy last year, and is now beginning to sell off pieces of the business, even as complaints from landlords demanding rent continue to come in.

Westlaw News reports on the ailing video rental service that wasn’t able to keep pace with the changing DVD and video-on-demand markets. The recent reports say that Blockbuster has made an agreement with a limited liability company that will start to bid on parts of the company and begin courting interest from other bidders.

This part of the bankruptcy process starting the sell-off is called a “stalking horse” bid. The f

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