Comments for Free Government Credit Score http://www.freegovernmentcreditscore.org How to get free copies of your credit scores from the government Wed, 14 Sep 2011 18:52:47 +0000 http://wordpress.org/?v=2.9.1 hourly 1 Comment on Is it easier to get approved for credit in the southern states because of Hurricane Katrina? by v b http://www.freegovernmentcreditscore.org/free-government-credit-score/is-it-easier-to-get-approved-for-credit-in-the-southern-states-because-of-hurricane-katrina/comment-page-1#comment-3970 v b Wed, 14 Sep 2011 18:52:47 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-it-easier-to-get-approved-for-credit-in-the-southern-states-because-of-hurricane-katrina#comment-3970 I know it sucks, but Katrina was 3 years ago. Lenders are going to look at current earnings history, not what people made 3 years ago and go oh, how sad, you used to make more money, let me lend you some.... I know it sucks, but Katrina was 3 years ago. Lenders are going to look at current earnings history, not what people made 3 years ago and go oh, how sad, you used to make more money, let me lend you some….

]]> Comment on Is it easier to get approved for credit in the southern states because of Hurricane Katrina? by SPIFIMAN1 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-it-easier-to-get-approved-for-credit-in-the-southern-states-because-of-hurricane-katrina/comment-page-1#comment-3969 SPIFIMAN1 Wed, 14 Sep 2011 18:52:47 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-it-easier-to-get-approved-for-credit-in-the-southern-states-because-of-hurricane-katrina#comment-3969 No that would violate several laws both Federal and State and cause massive lawsuits. No that would violate several laws both Federal and State and cause massive lawsuits.

]]> Comment on Does paying off a deferred student loan early improve your credit score? by bige3969 http://www.freegovernmentcreditscore.org/free-government-credit-score/does-paying-off-a-deferred-student-loan-early-improve-your-credit-score/comment-page-1#comment-3943 bige3969 Sun, 11 Sep 2011 17:08:39 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/does-paying-off-a-deferred-student-loan-early-improve-your-credit-score#comment-3943 It will improve your credit score. Even though the loan is deferred, it is being reported on your credit report. What will happen is that the original loan will appear as the total credit offered. If you pay it off, your debt to credit ratio will decrease, which is 35% of the overall score. Therefore, it should increase adn stay on your credit report for the next 7-10 years. It will improve your credit score. Even though the loan is deferred, it is being reported on your credit report. What will happen is that the original loan will appear as the total credit offered. If you pay it off, your debt to credit ratio will decrease, which is 35% of the overall score. Therefore, it should increase adn stay on your credit report for the next 7-10 years.

]]> Comment on Does paying off a deferred student loan early improve your credit score? by bdancer222 http://www.freegovernmentcreditscore.org/free-government-credit-score/does-paying-off-a-deferred-student-loan-early-improve-your-credit-score/comment-page-1#comment-3944 bdancer222 Sun, 11 Sep 2011 17:08:39 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/does-paying-off-a-deferred-student-loan-early-improve-your-credit-score#comment-3944 Installment loans build credit by making payments over time. Paying off an installment loan earlier will do nothing to improve your score. Lowering your interest rate would save you a lot of money. However, you may not be allowed to use the new loan funds to pay off the old loan. There are rules as to what student loan funds can be used for. Installment loans build credit by making payments over time. Paying off an installment loan earlier will do nothing to improve your score.

Lowering your interest rate would save you a lot of money. However, you may not be allowed to use the new loan funds to pay off the old loan. There are rules as to what student loan funds can be used for.

]]> Comment on is there a specific credit rating needed to apply for a government grant? by Use Your Noodle http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant/comment-page-1#comment-3928 Use Your Noodle Thu, 08 Sep 2011 09:56:24 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant#comment-3928 Grants are not dependent on credit scores. They are dependent on need. The chances that you will get a grant to open a small business is pretty much nil by the way. Unless your business has some benefit or is research in nature, you won't get the money. Now, if you mean getting a SBA loan, yes, you do have to have decent enough credit and business plan to succeed at getting those. Grants are not dependent on credit scores. They are dependent on need.

The chances that you will get a grant to open a small business is pretty much nil by the way. Unless your business has some benefit or is research in nature, you won’t get the money.

Now, if you mean getting a SBA loan, yes, you do have to have decent enough credit and business plan to succeed at getting those.

]]> Comment on is there a specific credit rating needed to apply for a government grant? by imisidro http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant/comment-page-1#comment-3925 imisidro Thu, 08 Sep 2011 09:56:24 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant#comment-3925 You stand a greater chance of getting a government-guaranteed loan through the Small Business Administration http://www.sba.gov than a government grant. Read the SBA Financing page to learn about criteria needed for borrowing It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business. One possible exception is for companies developing or exporting agricultural goods, including food and forest product. Another exception could be the Small Business Innovation Research (SBIR) or Small Business Technology Transfer (STTR) programs http://www.sba.gov/aboutsba/sbaprograms/sbir/index.html , which fund the research and development of technological innovation that meets specific government needs. Your best bet actually will be from the states if they offer grant programs for women (or any other special interest groups -- minorities, women, disabled, veterans, etc). Or check with non profit organizations, particularly women organizations if they offer grants. Examples include Iowa Women's Foundation http://www.iawf.org/ New Mexico Women's Foundation http://www.nmwf.org/guidelines.html Even SBA does NOT give out grants. -------------------- "The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments." -------------------- Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture. Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE. http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs You stand a greater chance of getting a government-guaranteed loan through the Small Business Administration http://www.sba.gov than a government grant. Read the SBA Financing page to learn about criteria needed for borrowing

It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.

One possible exception is for companies developing or exporting agricultural goods, including food and forest product. Another exception could be the Small Business Innovation Research (SBIR) or Small Business Technology Transfer (STTR) programs http://www.sba.gov/aboutsba/sbaprograms/sbir/index.html , which fund the research and development of technological innovation that meets specific government needs.

Your best bet actually will be from the states if they offer grant programs for women (or any other special interest groups — minorities, women, disabled, veterans, etc). Or check with non profit organizations, particularly women organizations if they offer grants. Examples include

Iowa Women’s Foundation http://www.iawf.org/
New Mexico Women’s Foundation http://www.nmwf.org/guidelines.html

Even SBA does NOT give out grants.

——————–
"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."
——————–

Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.

Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business — THERE’S NONE.
http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show

Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program

Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs

]]> Comment on is there a specific credit rating needed to apply for a government grant? by Travie Miller http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant/comment-page-1#comment-3926 Travie Miller Thu, 08 Sep 2011 09:56:24 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant#comment-3926 it should be high it should be high

]]> Comment on is there a specific credit rating needed to apply for a government grant? by joemoser1948 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant/comment-page-1#comment-3927 joemoser1948 Thu, 08 Sep 2011 09:56:24 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/is-there-a-specific-credit-rating-needed-to-apply-for-a-government-grant#comment-3927 There are no such things as "grants" to open a business. There are loans that you can get from the SBA but they're more interested in the Business Plan than on your personal credit rating. There are no such things as "grants" to open a business. There are loans that you can get from the SBA but they’re more interested in the Business Plan than on your personal credit rating.

]]> Comment on I heard that foreigners are allowed a seven year tax break, is this true? by Wayne Z http://www.freegovernmentcreditscore.org/free-government-credit-score/i-heard-that-foreigners-are-allowed-a-seven-year-tax-break-is-this-true/comment-page-1#comment-3856 Wayne Z Mon, 05 Sep 2011 09:59:29 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/i-heard-that-foreigners-are-allowed-a-seven-year-tax-break-is-this-true#comment-3856 Common misconception. There is no 7 year tax break for immigrants. http://www.snopes.com/business/taxes/immigrants.asp Common misconception. There is no 7 year tax break for immigrants.

http://www.snopes.com/business/taxes/immigrants.asp

]]> Comment on I heard that foreigners are allowed a seven year tax break, is this true? by Judy http://www.freegovernmentcreditscore.org/free-government-credit-score/i-heard-that-foreigners-are-allowed-a-seven-year-tax-break-is-this-true/comment-page-1#comment-3855 Judy Mon, 05 Sep 2011 09:59:29 +0000 http://www.freegovernmentcreditscore.org/free-government-credit-score/i-heard-that-foreigners-are-allowed-a-seven-year-tax-break-is-this-true#comment-3855 What's really going on is that you are misinformed, foreigners do NOT get a tax break. What’s really going on is that you are misinformed, foreigners do NOT get a tax break.

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