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my crazy life

10-Steps to Improve your FICO Score

by Eric Carnegie • June 10, 2014

The following is a pretty comprehensive 10-steps to improve your FICO score. 1. Get your credit report. If you are a U.S. consumers, you are entitled to one free credit report a year from each of the three national credit reporting…

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bankruptcy

Bankruptcy Affects One’s Credit Score

by Eric Carnegie • June 9, 2014

Credit has pros and cons.  It is a wonderful thing in life until…it is not. When deep in debt, the temptation of declaring bankruptcy is huge.  Chapter 7 or Chapter 13, sometimes we just want to get rid of the…

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my crazy life

My Lender Ignored a Very Legitimate DCURD Tax Exemption

by Eric Carnegie • June 7, 2014

Robert Shiller the Nobel prize winner on Economics, proved with a convincing chart that from 1890 to 2010, that house prices returned about zero if one excluding inflation. http://pragcap.com/wp-content/uploads/2012/12/housing.png Therefore a house is a lousy investment. I concur with him.…

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my crazy life

Money Talks for Young People (1): Tips and Traps of Credit

by Eric Carnegie • June 6, 2014

I have three growing kids, two in college and one in high school. Watching them growing up and being educated by the public and private schools in the US, I realize that our schools have not taught them the necessary…

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my crazy life

Paying off a car lease does not help mortgage application, Paying off a mortgage does

by Eric Carnegie • May 30, 2014

Now that I have closed on the house and my family have moved into the new house for more than one month, I finally found sometime to continue the story on how I got my mortgage approved by Provident Funding.…

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banking, Real Estate

Cope With Discrimination Against Self-Employed In Mortgage Lending

by Eric Carnegie • April 14, 2014

Federal Fair Housing Act stipulates the following discrimination in mortgaging lending illegal: race, color, national origin, religion, sex, familial status or handicap (disability). I think the law is not going far enough, it ought to include discrimination against self-employment. As…

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my crazy life

Diligent Birds Get the Tax Breaks

by Eric Carnegie • April 13, 2014

Two days left till Tuesday, April 15, the deadline for tax season. My tax was done back in February. I need the updated information to complete the applications for financial aids for my three children, and as it turned out,…

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credit score

How Come My Credit Scores Are Lower Than My Wife’s

by Eric Carnegie • April 12, 2014

In the recent credit report that my mortgage pulled for us, my scores (around 735) are consistent lower than those of my wife’s (around 780).  Both of us have scores way well above 700, which entitles one to the lowest…

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credit score, my crazy life

My Journey to Get a Mortgage Loan — The Beginning

by Eric Carnegie • April 11, 2014

JPMorgan Chase, the nation’s biggest bank, announced quarterly financial results this morning. It missed on both revenue and net income. Especially, the revenue at the bank’s mortgage unit was $1.6 billion, down $1.1 billion from the same period a year…

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investing

There is No Minimum Age to Start an IRA Account

by Eric Carnegie • April 11, 2014

One of my kids started college last year. Even before he went to college, during his busy senior year in High School, the boy found a cashier job with Sprouts Farmer’s Market. In his first semester in college, he started…

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About DebtKid.com

As a dumb 20-something, I day traded away over a quarter-million dollars and found myself deep in debt.

This blog documented my journey through bankruptcy, a short sale, living in my office and more. Now it's a resource for thousands of people in trouble every day. Read the whole story here.

You can read my about page, subscribe, or follow me on twitter, facebook and Google+

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