Credit Information

19,178 Identity Theft Victims Per Day - Are You One Of Them?


Identity theft statistics are shocking. And we are told that it will only become worse, before it gets any better. Are you likely to be affected?

Credit Damage: Getting Compensated for Your Loss


Until recently lawyers for victims of credit damage had little possibility to collect for damages beyond medical treatment, lost wages and property loss. Insurance companies threw up their hands in sympathy, claiming victims can only be compensated for what can be measured ? tangible goods and services. But, what happens when the victim has lost considerable time from work, the family bank is broke and monthly payments on mortgages, car loans and credit cards payments are missed? Regardless of the haggling between lawyers and insurance companies, it?s the credit victim who ends up having to live with a bad credit rating.

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days


In Less Than 30 Days."What can you do to increase that set of three numbers on your credit report that can be so important with your financing?"I came across this question as I was surfing discussion groups the other day. Check out my answer:Dear Friend,Here are 3 steps I used to take my credit score from 592 (horrible credit) to 762 (perfect credit) almost overnight. If you?re interested in improving your credit rating quickly, you?ll find this story helpful:In 1995 I made a decision that would ruin my perfect credit history. I quit my salary job to become an insurance salesman. The job paid commission only. Within a few months I lost everything - house, car, credit rating and my self respect.By the end of 1996 I was living with my mom, all my credit accounts were severely past due, and I was paying 22% interest on a broke-down green Geo Storm...I was a real loser. Then, in 1997, I became a banker. I didn?t know it at the time, but this would turn out to be the break I needed to eliminate my credit problems forever. During my seven years as a banker, I came across several legal and highly effective ways to improve my credit rating. As a result, I was able to increase my credit scores by an average of 170 points. Here?s what I did:Step #1: After spending hundreds of dollars on credit repair services that didn?t work, I found out how to get negative accounts removed on my own. Basically, I wrote letters to the collection agencies requesting proof that the accounts were mine. 89% of the time they had no proof that the bad accounts belonged to me. So I was able to get them deleted from my credit file.Step #2: I opened new accounts with high credit limits and kept the balances low. I discovered that if you keep your available credit limits high and only use 10% to 30% of the credit you have available, your credit score will improve dramatically.Step #3: Next, I added accounts with years of perfect payment history to my credit file. This step took my credit score from 647 to 762.While you can certainly add seasoned accounts to your credit file for free, there are companies that claim they can do it for a fee. The problem is, they charge between $2,000 and $2,500 per account. If you want a 700+ credit score you?ll need 3 to 4 of these accounts. That equates to a cost of $6,000 to $10,000. (You can conduct a search on your favorite search engine for companies that offer this service.)While there are several highly effective steps you can take to increase your credit scores by as much as 200 points, these are the main ones...And here?s the good news: Each step can be completed in less than 30 days.

To Repair Credit Is No longer Satisfactory - Learn How To Earn A Millionaires Credit In 30 Days...


To repair your bad credit does not necessarily mean that you now have a good credit, absolutely not.

4 Steps to Creating Good Credit


As a consumer you?ve learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.

Beware of Falling Minimum Payments


If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don?t be so quick to ?jump for joy?. What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a lifetime.

Convenience Can Be Costly


You?ve just opened your credit card bill and attached to your statement you find a ?convenience check? included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this ?instant? money. A new summer wardrobe, a nice dinner and tickets to a concert, a weekend getaway.

Credit Repair Scams


?Erase Bad Debt !?

Debit Card vs. Credit Card, What Are The Differences ?


Ah, the ?good old days?. If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday. You had to get there before the teller lanes closed so that you could have your ?cash allowance? for the week. Otherwise, if you needed cash you had to write a check, then go to the bank, and ?cash? the check for real cash.

How Healthy Is Your Credit


There?s only one way to discover the ?health? of your credit. You need to examine your credit report. Your credit report is your ?consumer identity? that potential lenders will use to judge your credit worthiness.

Top 5 Credit Misconceptions


We have all heard the rumors?from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to provide you with the truth about credit...

Your Guide On Choosing a Credit Card To Suit You


Reach into your wallet or purse, pull out a card, swipe, and you?re done. It is very easy to use a credit card. The problem lies in choosing a card ? and it has nothing to do with the picture on the front! Choosing a credit card that works best for you is vital to your credit rating. If you choose incorrectly, you may find yourself in deep debt trouble. Here is some basic, yet extremely important, information that will help you make the right choice.

4 Steps You Can Take If Your Online Credit Card Application Has Been Refused


Help! I?ve Been Turned Down

7 Surefire Ways To Repair Bad Credit


Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national ?disease.? And just what do people need that have a disease? They need a cure.

5 Surefire Ways To Eliminate Credit Card Debt


Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an over-the-limit charge, and that number skyrockets. Imagine what you could do with that $1000 if it weren?t being spent on interest.

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BBC News

Universal Credit: MPs to debate rollout amid Labour pause call
BBC News
MPs are to debate the rollout of Universal Credit amid continuing calls for changes to the way the government's flagship welfare programme is working. Labour is calling for the system, which merges six benefits into one, to be paused amid concerns ...
PM will not reduce six-week wait for universal credit despite MPs' warningsThe Guardian
Tory critics of universal credit have met with Theresa May ahead of crunch vote tomorrowMirror.co.uk
Labour challenge Tories to rebel over Universal Credit rolloutThe Independent

all 20 news articles »


New York Times

Can Trump Claim Credit for a Waning Islamic State?
New York Times
Credit Doug Mills/The New York Times. WASHINGTON — When President Trump took office in January, the Islamic State controlled about 23,300 square miles of territory across Iraq and Syria. Now, as an American-backed militia declared on Tuesday that it ...
Trump takes credit for ISIS 'giving up'CNN
Trump Takes Credit for an Islamic State Defeat Years in the MakingBloomberg

all 396 news articles »


New York Times

For the Non-Rich, the Child Tax Credit Is the Key to Tax Reform ...
New York Times
The details of the child tax credit expansion will determine whether most American families win or lose.

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USA TODAY

Credit stress: 5 ways to negotiate with your credit card company
USA TODAY
If you feel stressed when opening your credit card statements, it may be time to fight for a better deal. Here are 5 ways to negotiate with credit card companies.

and more »


CNNMoney

Capital One's new cash-back credit card for foodies
CNNMoney
Capital One's new credit card aims to pay people back for what many are already spending big on: dining out. The card, called Savor, offers unlimited cash back in standard categories like 2% back on groceries and 1% on all other purchases. But it's the ...
New Capital One Savor Cash Rewards Credit Card Earns Cash Back on Dining and GroceriesNextAdvisor (blog)

all 9 news articles »


TechCrunch

Credit giant Experian leads $30M investment in India's BankBazaar
TechCrunch
Indian credit marketplace BankBazaar has pulled in $30 million in fresh funding led by Experian, the London-headquartered credit giant with a £14 billion ($18 billion) market cap. BankBazaar seems to have a penchant for big name backers. Amazon led its ...

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Kitsap Sun

Credit union founded by teacher bestows gifts on Kitsap schools
Kitsap Sun
EAST BREMERTON — Amee Coulter was just getting started on her day teaching first graders at Esquire Hills Elementary School when the lesson was interrupted. Doug Grout and Cynthia Smith of Inspirus Credit Union stopped in to announce the credit ...



CNBC

Here are the only 3 times you should use a debit card
CNBC
This belief holds especially true for millennials: 69 percent say debit cards are as safe or safer than credit cards, while only 49 percent of Boomers and those in older generations say the same. But while debit cards can help keep you from ...



CT Post

Credit raters reviewing for possible downgrades
CT Post
HARTFORD — Bridgeport, Hamden, New Haven, Shelton, West Haven and Stratford are among more than two dozen Connecticut towns and cities that Moody's Investor Services is reviewing for a possible credit downgrade because of the state's budget crisis ...
These 26 Connecticut Communities Could See Credit Downgrades ...Patch.com

all 10 news articles »


Business Insider

The benefits of this popular credit card make it perfect for first timers
Business Insider
Choosing the best travel-rewards credit cards is a critical element in maximizing your points and miles, and a select few offer a wide array of perks that appeal to a variety of traveler profiles. Today, I want to share my top five reasons why — if ...


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