next, you have the fico kit with 3 fico scores from transunion and 3 credit reports. are you kidding me, people? then you have the identity theft cd-rom everything is there that you want to make sure that your identity is okay, the dna lifeline, and the list goes on and on. so these 6 cd-roms have artificial intelligence in some of them, you answer questions, up comes what you need. these are worth thousands of dollars, and again many of them you can download on your computer and then pass them on so the gift goes on and on and on. make sure that you make that call of support. don't let the time run out don't be sitting there after we go away and say i should have. no more "should haves." do what you can and do it now. right now, we're going to go over to joan. it is time to make a contribution to support this station right now. and choose a thank-you gift to get even more out of "the money class"." with your gift of $75, you'll receive a dvd of this program suze orman's "money class," with the great bonus footage that is fun but also has even more information in it t

. >>> fico is moving back to silicone valley. the move to san jose will bring the company back to its roots. it was founded as fair isaac back in 1956. known for developing the credit score known as the fico score. they later moved their officers to minneapolis. they have officers in san rafael, also. >>> the san jose fire department learned about errors in the reporting of fire response times. all of the way back to 2009. the department says the citywide tally did not include response times when a fire company answered a priority call outside of its assigned area. they expect those will be slower than previously reported. san jose came under criticism for the response times last summer. they began training for 33 new recruits. >>> some police recruits are getting a taste of what it is to be a part of the police department. >> they started the hiring process for new officer trainees. they took a test seen here to see if they are fit enough for the jobs t. it is still short staffed and hoping to change that. >> it is part of the c

>> fico scores run from 300 to 850. >> let's see the present.ut. >> hoda won, i think. >> no, you won. it was a tiebreaker. you won. >> it's fake money. >> suze orman, you rock. >> thank you. you get to pay off our deficit. >> "the suze orman show" airs saturday night at 9:00 p.m. and 12:00 a.m. but you already knew that. >> we're taking a walk on the wild side with patrick monihan. >> no, kate, don't do it. . good morning, i'm meteorologist crystal egg erwith the weather channel. let's get your forecast through the weekend and for much of next week. one thing you'll notice, no rain, no snow on the map across the southeast. our storm is quickly moving out. winter storm iago coming to an end. that means the sun is returning finally after a lot of gloomy days in the southeast. our focus will shift across the great lakes and the high plains, areas with lake effects snow and much colder air coming into the northern states by the end of the weekend. 43 in chicago today. not too bad. in fact getting up to 54 in atlanta with sunshine. not a terrible fr

. >>> y fico las maduro secretario general de la mesa democrÁtica. posiciÓn de partido opositores.presuntos deterioro de la salud del presidente chÁvez. acusaciones que incluyÓ a medios de comunicaciÓn y periodistas. >>> el seÑor estÁ detras de las campaÑas de rumores mal sanas que se inician por twitter, por fa r fase buck, distintas vÍas de redes de comunicaciÓn. >>> el miÉrcoles fue el vocero de una conferencia de prensa, donde instÓ al gobierno ser mÁs claro con el paÍs sobre la condiciÓn del presidente chÁvez. >>> reiteramos la exigencia que el actual gobierno explique objetiva y fehacientemente, la situaciÓn, de la salud del presidente el comunicado oficial admite parte de la situaciÓn y que el gobierno cuestiona, que chÁvez estarÍa tras un cuadro de salud complicado tras una grave situaciÓn respiratoria. >>> estamos entrando en una etapa de no regreso de la enfermedad del presidente chÁvez es la situaciÓn hoy. >>> destino del paÍs se decide en la habana, maduro confirmÓ rumores supere una reuniÓn del alto gobierno en cuba el propio maduro, y el presidente de la asamblea naci

other mortgages out there where you can have 700 fico scores, still a prime borrower.ou can still have good equity in the homes of the those are the mortgages that, again will, be better indexed to housing recovery and have a good quality borrow. cheryl: what about the fed in all of this? what happens if we start to see the fed pull back, maybe stop the bond buying program. stop the mortgage-backed security program, the purchasing of in the next year? would that affect your fund at all? >> that's a great question. so let me break it down. there is interest rate related markets and credit related markets and what the fed's been targeting is agency mortgage-backed securities which are mortgages backed by the government. they have driven the absolute yields on those assets to very low yields. at the same time if you look at, also they have taken a supply out of the marketplace. if the fed takes a step back and interest rates rise in the future, the values of those mortgages, even of the credit, is pristine, the interest rate rises will affect the valuation of those mortga

el partido podrÁn verlo por univisiÓn desde las 5:55 de la tarde este. 2:55 si vive en el pa fico.17 aÑos. en las que participÓ en 13 pro bowl. y fue nombrado en zaert o zaciÓn y elegido 2 veces como jugador defensivo del aÑo de la nfl. >>> en la nba lakers siguen dando tumbos estÁ temporada cayeron por debajo de la marca de 500 luego de su derrota frente a filadelfia y empataron su peor arranque en una campaÑa luego de 11 juegos con 15 victorias frente a 16 derrotas. y cobe bryant volviÓ a brillar con 36 puntos. y despuÉs. y para que, y en su soluciÓn. espero en cono tangt deportivo por telemundo. regreso contigo baby. buenas tardes. >>> gracias tony. >>> la desapariciÓn de un sacerdote es el cÍrculo de ministerio se lo tra ganaba yankees la tierra y vamos en busca de respuesta en primer puerto rico tiene nuevo gobernador.los permisos de armas rompen records.una brasileqa subasta su virginidad.que tal, les habla enrique acevedo.tomo posesion el nuevo gobernador de puerto rico.es alejandro garcia padilla, quien se opone a la estadidad y dice que su proridad es el combate a la viole

nine fico employees are already working in san jose. >> facebook is trying to increase mobile appeal testing a feature for the latest messenger app that lets users call each other with the tap of a button, like skype without the video. it can be made with wi-fi or using the data plan. the feature is limited to canada for now. >> mike will look at forecast. guess what is back? >> the rain. you have been talking down about the cold so that is why the rain is coming back. >> you are speaking the voice of everyone else. that is why you are over there. right? >> now, what is going on? it is frosty. but not as frosty. today is the last day we scrape the ice. this afternoon, you can see high clouds are more dominant. temperatures are in the mid-to-upper 50's. if you travel around the state, the radar shows how quiet it is right new. no rain in the forecast anywhere in the state today. temperatures in the mid-40's around tahoe and low-to-mid fix around eureka and chico and the warmest weather is san diego and los angeles and palm springs. safe travels. >> so far so good. it is friday "lite."

more effectively, go to annualcreditreport.com and paying your bills on time, which is 35% of your fico make sure your fioco score is 750 or higher. then go on websites like consumerlaw.org and downloading the free brochure all the things you should know about debt collection. if you have debt collectors calling you after 9:30 or 9:00 p.m. something's wrong and essentially we have to lay out a plan of attack. many individuals, too many individuals i've seen have not taken the time to sit down and actually write out what their debts really are, from largest debts on the top to smallest on the bottom using your budget and surplus to pay your surplus from the smallest to the top, the snowballing strategy and lastly develop a hardball strategy, call them before they call you. always know that the best time to negotiate with creditors could be at the end of the month because they're trying to collect commissions so all of these things are little tips and strategies to make sure you put the ball in your hands and start standing on the fact that you will be debt free by the end of 2013. >> wha

fico is returning to san jose where it employs 90 people and says it has plans to hire more.ompany moved to its corporate headquarters in minneapolis but is now moving back. >> if i had to do it all over again i would do it exactly the same. >>> the big announcement from del lasalle's football team and what is next for them. >> and our meteorologist mark tamayo is next on what we can expect for the weekend. there is no mass-produced human. so we created the extraordinarily comfortable sleep number experience. a collection of innovations designed around a bed with dual-air technology that allows you to adjust to the support your body needs. each of your bodies. our sleep professionals will help you find your sleep number setting. exclusively at a sleep number store. sleep number. comfort individualized. queen mattresses start at just $699. and right now, save 50% on the final closeout of our silver limited edition bed. >>> the head coach of one of the nation's top football programs announced his retirement today. bob latiser has been at de lasalle since 1979. as john sasaki re

sure you don't have late fees -- not le late fees but -- >> a great score is anything over 760 on the ficothis is the one that learneds look at. late payments are really bad news. they represent about 30% of your score. set up automatic payments so you're never late. >> what's credit utilization? >> that's credit available to you that you're actually using. on your credit cards you only want to be using 10% to 30%. you want to see your score go up, you have to pay down your credit card debt. >> makes sense. applying for new credit cards, you go to any store they'll offer them to you. >> just say no. you also don't want to close cards that you have. >> why? >> it goes back to the credit utilization. if you close cards you reduce the amount of credit you have outstanding. that takes your credit score down. and credit utilization represents about a third of your score as well. >> useful information. i don't know about finding love with it. but when you look at the numbers of people who divorce because of finances, it's part of the conversation. >> and the thing that they fight about most is d

fico is returning to san jose where it employs 90 people and says it has plans to hire more.pany moved to its corporate headquarters in minneapolis but is now moving back. >> if i had to do it all over again i would do it exactly (woman) 3 days of walking to give a break cancer survivor a lifetime-- that's definitely a fair trade. whoo! you walk with friends, you meet new friends, and you keep those friendships. it was such a beautiful experience. (jessica lee) ♪ and it's beautiful ♪ undeniable (woman) why walk 60 miles in the boldest breast cancer event in history? because everyone deserves a lifetime. visit the3day.org to register or to request more information and receive a free 3-day bracelet today. ♪ building up from deep inside it was 3 days of pure joy. susan g. komen's investments in early detection and treatment have helped reduce breast cancer mortality in the u.s. by 33% since 1990. help us continue serving the millions of women and men with breast cancer who still need us every day. register for the 3-day now. (woman) it's just been an amazing, amazing journey. i

so when george washington in the oxford english dictionary fico in it today and look up the word tin can you'll find that is credited to george washington. bakery and bake were washington's words. washingtwashingt on came up with these words at a very early time when the bakery bakehouse like a smokehouse. it was the distillery and a bakehouse but in washington's diary he came up with bakery. so this was part of our early -- on it and of course the fact that we had webster to write this all down was amazing. webster comes up with his first dictionary in 1807 and there are two words that really bothered the british. those are congressional and presidential. between 18,071st dictionary and his second dictionary in 1820 webster goes to england and walks the streets of england picking up language and he knows this is the stuff that is not an an in english dictionaries at that time. the samuel johnson had not picked them up. he saw the language of the street as part of what was part of language. so there was this democratic background. as it goes along there are things that for example je

. >> the normal rule of committee is fico in order of rank. mr. nath said i believe you you with a protocol first. >> thank you, mr. chairman. >> we don't want the testimony, but what rankled you about that moment? >> when i came to washington, i didn't give a fig leaf of a protocol. didn't understand it, usually via they did it. under protocol, is to presidentially put senate confirmed official. at the time, mr. massiveness act in, not presidentially confirmed, which by any degree of protocol i should have gone first. the funny thing now is i saw brad and i was so upset at this late date i had imagined that afterwards i went to my legislative your and said, i used my salty language. you need to tell his staff or that there's 100 senators who say i outrank and. he's got to understand the basic rules of protocol. i went home that night and told my wife about it and she burst out laughing. basically what's wrong with you? what is happening to you? i started explaining and realized she was right. bitterly that scientists are working on a letter of re

and you know, fico studied high achooeieve achievers, people with 785 and higher credit scores, they found a lot of similarities, boring similarities among those people. >> i like the idea of being boring, but sometimes i wonder if boring is enough because if you're trying to speed the process along and get that loan, don't you have to be sort of aggressive? >> no. let's talk about it looks like. you keep your balances low and time is important. keep your balances low. don't max out credit cards. that's really a bad idea. make consistent on-time payments. the ideal borrower has four loans and/or credit cards. keeps a low balance on some of them, pays them on time every time. i'm going to say this. the quickest, most sure way to have a high credit score is to pay your bills on time every time and be absolutely boring and predictable in that. that's what the credit score is, right? it's a score that tells the banks how likely you are to pay your bills on time every time. >> so i'm going to harp away on this, honestly, because i still don't understand how you can do this in a timely fas

>> fico scores run from 300 to 850. >> let's see the present.the suze orman show airs saturday night at 9:00 p.m. and 12:00 a.m. eastern. you already knew that. >> we're taking a walk on the wild side with patrick monihan. >> no, kate, don't do it. [ female announcer ] what makes florida's natural orange juice taste so uniquely fresh and delicious? is it the rich florida soil? or the perfect blend of sunshine, rain, and temperature? maybe it's the fact that florida's natural oranges are never imported. they're raised right here in florida, and passed with care from our hands to yours. 100% pure. 100% florida. florida's natural. i'd like to thank eating right, whole grain, multigrain cheerios! mom, are those my jeans? [ female announcer ] people who choose more whole grain tend to weigh less than those who don't. multigrain cheerios waiting for your wrinkle cream to work? neutrogena® rapid wrinkle repair has the fastest retinol formula. to visibly reduce fine lines and wrinkles in just one week. neutrogena®. to visibly reduce fine lines and wrink

guest: i do not know if the members pay fico. they do pay medicare. they do not have a particular health care plan. they get to choose from the number of the plans and the cost is deducted from their salaries. host: wyoming -- a republican. go ahead, please. caller: i would like to know, does -- do the american people pay for the airplanes that take them back and forth to washington? guest: yes, they do. the american people pay for the travel to the district and back from the district. this is actually an interesting perk for members of congress. that is not paid for by the taxpayer, but paid for perhaps in other ways. the airlines have set up a special phone number for members of commerce -- congress to book a special seat. they can reserve seats on different flights going back on the same day and only pay for the one they actually use. it is one of the perks the airlines provide members of congress. host: what do they get in return? guest: that is a good question. the members have nice and and fuzzy feelings about the airlines. host: social security

. >> fico, the company that invented the credits course, is moving its headquarters to san jose.ompany wants to be closer to the silicon valley's engineering talent pool. a new headquarters is under construction near mineta san jose international airport. the company says that it should be completed in february. >> will the right back. >> welcome back. the time is 0540 4:00 a.m.. the top stories we are following at this hour. a police chase ends with a crash in san francisco this morning. it happened at fifth and townsend. the driver crashed into a power pole, and has wiped out power to about a hundred people in the area. pg&e is on the scene working to restore the power. no word on what started the pursuit. >> the fbi is joining the search for 19 your role alyssa byrne from petaluma. deputies on offer at $1,000 reward in the search for her. if she was reported missing on tuesday, and was attending and electronic music festival in south lake tahoe over new year's holiday. >> the house of representatives will vote today on a $9 billion deal in super storm sandy aids. the vote come

go find the borrower with the highest fico score but because they are under water, we will refinance them, redo them and now all of a sudden now you have a very profitable loan, m.r.p. in our own program document proposed to sell back to f.h.a. to make a fantastic profit. what they promised is 20% to 30% returns. if their program works and they are paying fair market value, how do they pay their investors 20% to 30%? >> just to circle back, you know, whether m.r.p. makes money or is a nonprofit, there are 30 some municipalities looking at doing some version of this right now. these municipalities are hurting. i want to ask this publicly. would you support changing the bankruptcy code to prevent -- because if you say no to everything -- >> i propose doing this -- there are actually a lot of proposals doing this. a law professor at harvard wrote a piece, an op-ed in "christian science monitor" in december of 2008 or so. ncrc proposed doing this and i wrote an article in "new republican" in march of 2010 suggesting that treasury could use tarp funds and act exactly the homeowners loan c

go find borrower with the highest fico score bu but because they are under water, we will refinance them, redo them and now all of a sudden now you have a very profitable loan, m.r.p. in our own program document proposed to sell back to f.h.a. to make a fant profit. if their program works and they are paying fair market value, how do they pay their investors 20% to 30%? >> just to circle back, you know, whether m.r.p. makes money or is a nonprofit, there are 30 some municipalities looking at doing some version of this right now. this is these -- these munis palts are hurting. -- municipalities are hurting. i want to ask this publicly. would you support changing bankruptcy code to prevent -- because if you say no to everything -- >> i propose doing this -- there are actually a lot of proposals doing this. a law professor at harvard wrote a piece, an op-ed in "christian science monitor" in december of 2008 or so. ncrc proposed doing this and i wrote an article in "new republican" in march of 2010 suggesting that treasury could use tarp funds and act exactly the homeowners loan corporation

the average fico score for a fannie and freddie loan is about 750. is below 70. getting these things behind -- >> is $10 billion the right number? a high number, a low number? >> more than they reserved for, so obviously it's a pretty big number. >> that doesn't bother you? >> most people thought the reserves are -- i'm underweight the financials. >> i think you have to remember when you have a great above all, where does that really appear? you build excess capacity in bank balance sheets. we're going to see wave after wave after wave continue of shrinking of bank balance seats globally and i think this is the next step. i personally would argue every time they shrink their balance sheets and start going back to traditional lending, maybe they'll do that. maybe they won't. i don't know. but if they do that, that's quite bullish. if they shrink their balance sheets and decide they still want to do commodity swaps in botswana, we're still going to have trouble. if they can shrink their balance sheets, they're very vulnerable. >> the question is how do

you need tremendous fico scores.pening with foreclosures? >> they've been diminishing for two years straight. it's not a problem that's gone. but it's given people a lot of bargains that you just can't get anymore. >> these are tips for people it both trying to buy a home and sell a home. let's start with the buyers. one of the things you have to do is buy the house that will always sell first. >> do you know why? the house with the sunshine, with the school district, the house on the best block always sells better in good markets and bad markets. be sure of what you're buying. >> go shopping with your financing in hand. >> of course. there's nothing more powerful than being a buyer who says i'm an all-cash buyer, already got that money from the bank. boy, can you negotiate hard when you have that card in hand. >> it prevents you from finding a house you like and going in to negotiate the mortgage. >> lock in that rate. have it in hand. that's the power tool. >> let's talk about the people now who are out there, tryi

could find the borrower who has the highest fico score, can pay their mortgage but because they're underwater, we'll use government power to take the mortgages away from investors who value them appropriately, refinance them, redo them and then all of a sudden now you have a very profitable loan. mrp in their own program documents proposed to sell back to fha, fha to make a significant profit what they promise the their investors is 20 to 30% returns. if their program works, and they're paying fair market value, how do they pay their investors 20 to 30% returns? >> just to get, circle back, you know, whether mrp makes money or is a nonprofit, there are 30 some municipalities looking at doing some version of this right now. this is a -- these municipalities are hurting and they haven't been getting help. how would you help them? would you, i'm just curious because i have wanted to ask this publicly. would you support changing the bankruptcy code to permit cram-downs? just a second. if you say no to everything. >> i proposed doing this, there were actually a lot of proposals to do this. law rev