[Equity might have been the only thing preventing foreclosure a decade ago, said Hsieh, but these days most borrowers understand the importance of maintaining their credit score.] Studies show that if you're a credit worthy borrower, you will do everything in your power to keep your credit high, ... That in itself is skin in the game.
Anthony Hsieh
Related Lenders look at potential borrowers from many angles before extending credit: How much of its income... MARK ZANDI If you notice anything questionable, such as accounts you don't recognize, or payment disputes, deal... MAXINE SWEET If your bank took bailout money, take your money out of that bank and put it in a credit union. Cred... MICHAEL MOORE I like individuals to use a home equity line of credit as opposed to a home equity loan, or second m... DENNIS MEANS Sure, if you want your credit to be absolutely convenient, you would not select a credit freeze. But... BETH GIVENS A lot of people get a home equity loan and do it on their own, short of going to a credit counseling... FRITZ ELMENDORF One of the things these commercial Web sites say is that you don't want to go to a credit counseling... VIRGINIA MORRIS Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - ... SUZE ORMAN The power to end credit sales in your business,is by learning to inflate your debtors bill,then you ... DAVID ATTA (A.K.A DAVIED ATTLARS & MR DAIN) A lot of borrowers don't understand the risks. There's a danger in treating a mortgage like a credit... ALLEN FISHBEIN They might also give you your credit score. They'll give you free copies of your credit report every... LINDA SHERRY If you have a company that's merging with another in telecommunications or credit cards it pay... JOE RIDOUT I have seen debt ratios as high as 70 percent or 80 percent. But somehow these people have found a w... ANTHONY HSIEH A three bureau unlimited access to your credit report and credit scores and that also gives you with... COLLEEN TUNNEY Getting to a higher spiritual level is like increasing your credit score. You get a lot more points ... LISA KLEYPAS Your credit score affects the interest rates you're offered on credit cards and loans, can be us... SUZE ORMAN I think a lot of Americans are in credit card debt since it is so easy to get credit these days. JANELLE WITTENBURG Your entire credit history -- both the good and the bad -- is contained in your credit report. BARBARA ANTHONY The best thing you can do for your kids is to show them God working in you on a daily basis. CRAIG GROESCHEL Don't bother checking your credit report. Your lender will do that for you. Yeah, there might be a c... DAYANA YOCHIM If you're going to take credit for the good things that happen in your life take credit for the bad ... JOHN LEACH You have to give the Rampage a lot of credit. Their game plan was to put the puck on net and keep it... SEAMUS KOTYK [If you carry a balance, you should by all means use this low-rate environment to lower your finance... ROBERT MCKINLEY When you slander someone [talk negatively about people], you earn a debit in your account and that p... DADA BHAGWAN It's also important to know that when taxes go unpaid, the IRS can place a lien on your assets. Unpa... MAXINE SWEET Several factors are going to go into that. Obviously, length of time on the job, how much money they... BILLY ESTES So, good advice is, if you're thinking about booking, use a credit card. In the event that the airli... BILL SUTHERLAND When you pay your bills off it brings your credit score up. KATRINA MITCHELL Only aim to do your duty, and mankind will give you credit where you fail. THOMAS JEFFERSON I had begun to worry about the housing market back in 2003, when lenders first resurrected interest-... MICHAEL BURRY The only statistic that counts is the score at the end of the game. Give credit to the Steelers. The... MIKE HOLMGREN But they couldn't, because the addresses associated with their credit cards were Quackistan or somet... CHRIS WILSON He's a high-motor guy, loves to play the game of football. He's been the most productive guy, and I ... BRANDON VILLARREAL Credit counseling sounds like a good thing. If the credit agency is sincerely concerned about the de... KENNETH MEYERS Even if you're smart enough to close them down, the credit score will be damaged if you do more than... JAMES LUCAS If I'm going to be the nagging mother type, if you have a lot of debt, especially high-interest cred... KAY BELL Businesses ready to do business with [a company] will look at their credit history and it can preven... BOB BALDWIN You're full of contradictions, Ms. Wallace." I looked up at him and arched a brow. "I'm a girl... TAMMARA WEBBER I think you have a base that can be a credit to this area, more so. I guess I didn't understand the ... JAMES HANSEN The only way he could have her was to shatter this stubborn faith of hers. In doing so, would he sha... FRANCINE RIVERS Credit of time in your life is limited SUNDAY ADELAJA You get an annual physical every year. It seems your credit should be worthy of the same inspection. JON GROLINGER If you've got your house, got your car, got your two credit cards and you know there's no other cred... BETH GIVENS A credit derivative, at its core, is actually a very simple concept... The simplest way to think of ... BLYTHE MASTERS The lack of credit education available to college age students is troubling considering that most of... ANOOP SHAH Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of ... BILL HARDEKOPF The struggle is part of your story but Everything will be in place in the right situation at a perfe... NAPZ CHERUB PELLAZO The toughest thing about being a defensive back in the NFL is you do your job, you don't get credit,... DARREN SHARPER If you blame others for your failures, do you credit them with your success? WINSTON CHURCHILL This is the worst time to miss a bill. Pay down any large credit card or other large revolving accou... CRAIG WATTS If I provide for this life and turn away from the Lord, I am wise for a moment, but lost forever. FRANCINE RIVERS The only way he could have her was to shatter this stubborn faith of hers. In doing so, would he sha... FRANCINE RIVERS It'll be transferred to your credit account readily, you may even get a credit report when you go ho... CHARLES WALTON If people can't pay the credit in 180 days, and these are people who would pay in the 240 days they ... ALAN LACY You have to give them credit. They hit-and-run well and did what they had to do to keep them in the ... JACK LEGGETT Get a credit report every year. Your bank can walk you through the process or get a copy of the repo... AMBER DILLON It may be a good idea to get some equity out from your property for some renovation or to fund that ... ZENG HAN JUN If you paid down credit-card debt that would reduce the net value of your savings. KALMAN CHANY What the credit bureaus are most interested in is gaining market share in the increasingly lucrative... TRAVIS PLUNKETT If you have a 19 percent credit card and you pay it off you make 19 percent on your money. If you ha... JANE BRYANT QUINN She was intimidating and all I could do was sit back on the couch as she paced back and forth, slowl... IN THE MAKING Lenders have less of a vested interest in maintaining higher credit standards because they bundle [t... DAVID JOY I give the founders credit, ... but it?s a business. You need to bring in the experts to run your bu... HARRY HILL If you have $30 billion of GM debt underlying some multiple of that amount in outstanding credit-def... SUNIL HIRANI The developing world is full of entrepreneurs and visionaries, who with access to education, equity ... MUHAMMAD YUNUS If you handle your credit less than responsibly, very quickly that rate is going to rise. GAY WATSON Give Moorhead a lot of credit for their effort. They played a great game under these conditions at o... DON MEYER No-till in and of itself is a carbon credit. If someone is willing to pay you to do what you've been... MARK WILSON Generally, an indie film in the U.K. is put together much like in the states. We got a tax credit. Y... NOEL CLARKE Usually, car credit is where most folks start their credit. They don't need to have unpaid cell phon... DAVID THOMPSON We're maintaining in our database 200 million credit files that are constantly being changed and upd... DAVID RUBINGER You can still mail your payment in on Saturday, and new this year, you can pay by credit card on the... GARY BARBER Really, what that does is frustrate a coach, but you have to give credit to their offense. JEFF GRAVIETT Wake up to a brand new day and realize why you woke up to meet the day! Live to the end of another d... ERNEST AGYEMANG YEBOAH There’s a direct correlation between credit score and how you score. PETER PADILLA Bundled services platforms enable banks to strengthen their roles as lenders and create a sophistica... DAVE BLACK The HOPE scholarship tax credit provides up to $1,500 in tax credit for freshmen and sophomores, and... ERIN KORSVALL Ten years ago, only 50% of women business owners expressed satisfaction with their experiences in se... MARJORIE ALFUS You have to give Lynn Police credit for making such a quick arrest. It just goes to show you that th... JOSEPH BARTOLOTTA You don't have to consent to be in these programs, so all of a sudden you could be enrolled in a hig... ERIC HALPERIN If you are worried about job security and do not have an adequate emergency fund (ideally eight mont... SUZE ORMAN After 13 days in the job, I'm not sure I can take credit for these results! GEORGE WESTON Credit bureaus are at the heart of sound lending practices and benefit not just lenders but also bor... GORDON COOPER You must accept responsibility for your actions, but not the credit for your achievements. DENIS WAITLEY A credit score is a snapshot of an exact moment. CATE WILLIAMS This month's [survey] data indicate that consumers are trying to keep their credit usage in check. I... ALLEN GROMMET Somebody could read about Shakespeare and get honors credit, but those kids who not only have to rea... BRIAN ARMSTRONG It's really important to make sure everything in that credit report is accurate. BARBARA ANTHONY You have to give coach Sherman and their seniors credit. A couple of their veterans stepped up when ... DEREK WRIGHT And that's it. That is where you should get your credit report. BARBARA ANTHONY We have recognized that our churn rate was too high, and we have been monitoring the credit, CHASE CAREY Pay off cards with low balances. This will create some breathing room in the budget that may be need... GREG MCBRIDE The Wall Street Journal said the least Congress could do is take credit for these prices. BOB LANDRETH If people mail their credit card payments from the mailbox at their house, the thief will steal the ... FRED HUBLER The young guys don't understand how hard you have to defend in this league. But give (Bassett) credi... PAUL SWANSON The offence couldn't be described as sophisticated but it is serious because everyone uses a credit ... JOHN ROBERTSON In the end, as a manager or coach, you have to keep your heart pure and do your best as a manager or... TONY LA RUSSA But it's a child ! You're a man !" "Your powers of observation are formidable... KATHERINE RUNDELL If you are a misfit in one place, you will be a great fit in another. ALAN COHEN The Fed is a price fixer; it fixes the price of short-term credit. If there's an increase in demand ... PAUL KASRIEL
More Anthony Hsieh
We've seen a dramatic pickup in these loans since rates starting going up, ANTHONY HSIEH If you own your own home free and clear, people will often refer to you as a fool. All that money si... ANTHONY HSIEH We love debt in America more so than any other country. ANTHONY HSIEH Over the last five years, credit scores have been refined to the point where they are now one of the... ANTHONY HSIEH [You may be able to get the best deal on rates and closing cots from your current lender.] But don't... ANTHONY HSIEH Clearly these loans aren't for everyone. Unless you've been disciplined about saving the difference ... ANTHONY HSIEH The lending industry is doing what it can to get a piece of the shrinking pie. You're going to see m... ANTHONY HSIEH But don't just call your lender out of the blue. See what others are offering and then go to your ow... ANTHONY HSIEH We did a million-dollar loan for one gentleman who got four round trip tickets on that loan. ANTHONY HSIEH Anytime the 30-year fixed rate goes over 6 percent, consumers start asking for an alternative produc... ANTHONY HSIEH I have seen debt ratios as high as 70 percent or 80 percent. But somehow these people have found a w... ANTHONY HSIEH [With the report now out, rates could come up even more.] Most lenders will increase rates by a quar... ANTHONY HSIEH There seems to be a sense of urgency, especially among first-time buyers. We're seeing people in the... ANTHONY HSIEH From a fixed-income point of view, which I'm looking at, it's a little bit disappointing. We have se... ANTHONY HSIEH People who calculated what they could afford when rates were 5.25 percent have realized their mortga... ANTHONY HSIEH [Few people will argue that consumers haven't benefited from these changes.] Keep in mind that 20 ye... ANTHONY HSIEH The attractiveness of this product is flexibility, but that flexibility sometimes can get people in ... ANTHONY HSIEH Life is partly what we make it, and partly what it is made by the friends we choose. TEHYI HSIEH Lean too much on the approval of people, and it becomes a bed of thorns TEHYI HSIEH We asked ourselves what we wanted this company to stand for. We didn't want to just sell shoes. ... TONY HSIEH Action will remove the doubt that theory cannot solve PEHYL HSIEH For me, the most fun is change or growth. There are definitely elements of both that I like. Launchi... TONY HSIEH I don't want any political interference in criminal investigations by prosecutors. FRANK HSIEH The government can still have management control over Bank of Taiwan, but it can have participation ... FRANK HSIEH For national security considerations, we hope the opposition will approve the new bill as soon as po... FRANK HSIEH Please, it is meaningless for you [reporters] to continue your wild guesses, ... As time goes by, yo... 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ANTHONY ROBBINS Building a solid organ like the liver in the lab is different and harder than with an organ like the... ANTHONY ATALA Surmounting difficulty is the crucible that forms character. ANTHONY ROBBINS Quality questions create a quality life. Successful people ask better questions, and as a result, ... ANTHONY ROBBINS The single most powerful tool for winning a negotiation is the ability to get up and walk away from ... ANTHONY ROBBINS Personal power is the ability to take action. ANTHONY ROBBINS The secret of success is learning how to use pain and pleasure instead
of having pain and pleasure u... ANTHONY ROBBINS The higher your energy level, the more efficient your body The more efficient your body, the better ... ANTHONY ROBBINS It's in your moments of decision that your destiny is shaped. ANTHONY ROBBINS CANI! - (pronounced kuhn-EYE) stands for Constant And Never-ending
Improvement. ANTHONY ROBBINS Any time you sincerely want to make a change, the first thing you must do is to raise your standards... ANTHONY ROBBINS For changes to be of any true value, they've got to be lasting and consistent. ANTHONY ROBBINS I've continued to recognize the power individuals have to change virtually anything and everything i... ANTHONY ROBBINS And above all things, never think that you're not good enough yourself. A man should never think tha... ANTHONY TROLLOPE What we can or cannot do, what we consider possible or impossible, is rarely a function of our true ... ANTHONY ROBBINS All personal breakthroughs being with a change in beliefs. So how do we change? The most effective w... ANTHONY ROBBINS Beliefs have the power to create and the power to destroy. Human beings have the awesome ability to ... ANTHONY ROBBINS If you develop the absolute sense of certainty that powerful beliefs provide, then you can get yours... ANTHONY ROBBINS One of the better definitions of insanity - doing the exact same thing over and over and expecting t... ANTHONY KIEDIS Why after the dust settles, someone has to come by and blow at it, stirring it up into the air again... ANTHONY LICCIONE Believe me, It would be better if we didn't meet again. Go back to school. Go back to your life. And... ANTHONY HOROWITZ We are rich in hearts, but poor with love. ANTHONY LICCIONE Live life fully while you're here. Experience everything. Take care of yourself and your friends. Ha... ANTHONY ROBBINS When a man cannot choose, he ceases to be a man. ANTHONY BURGESS There are people that will give you time when it shines, then fade away when it shades. ANTHONY LICCIONE Even a rock moves on. ANTHONY LICCIONE I think of the friendships I've strained, the generosity I've exploited, the bridges I've torched. D... ANTHONY ERVIN It's not what we do once in a while that shapes our lives. It's what we do consistently. ANTHONY ROBBINS Every corner and room of a house will carry memories, make these the most pleasurable times you shar... ANTHONY LICCIONE Every problem is a gift - without problems we would not grow. ANTHONY ROBBINS I've wanted to feel pleasure to the point of insanity. They call it getting high, because it's wanti... ANTHONY KIEDIS There will always be haters. And the more you grow the more they hate; the more they hate the more y... ANTHONY LICCIONE To save face, it's better not to ask sex from the ex, but to give everything the axe. ANTHONY LICCIONE The aura of the theocratic death penalty for adultery still clings to America, even outside New Engl... ANTHONY BURGESS We all need money, but there are degrees of desperation. ANTHONY BURGESS The truth is that we can learn to condition our minds, bodies, and emotions to link pain or pleasure... ANTHONY ROBBINS Have a strong mind and a soft heart. ANTHONY D'ANGELO There is no greatness without a passion to be great, whether it's the aspiration of an athlete or an... ANTHONY ROBBINS Passion is the genesis of genius. ANTHONY ROBBINS