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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How to make the most of your credit card points  Popular Science

Tips for choosing the right card, understanding the benefits, and getting the most money out of your rewards. By Whitson Gordon 9 hours ago. woman sitting on ...


What consumers need to know about the upcoming credit card from Apple and Goldman Sachs  MarketWatch

Experts say the card is designed to get more people to use Apple Pay, but consumers may want to think twice.


Wanted SC credit union armed robbery suspect arrested in Florida  WIS10

FOREST ACRES, SC (WIS) - The suspect wanted in the Feb. 5 armed robbery of a South Carolina credit union has been arrested in Florida, according to jail ...


What to do if you can't pay your credit card bill on time  NBC News

Forty million Americans will miss at least one credit card payment this year. Here's what to do if you're one of them.


Credit card debt-settlement services are risky and could affect your credit score  New York Post

Card settlement services are “risky,” according to the Center for Responsible Lending, and could have a "devastating effect" on your credit score.


This Week In Credit Card News: Card Bonuses May Be Taxable; Big Jump In Gambling On Mobile Devices  Forbes

A recap of what took place this week in the credit card and payment industries.


5 Things to Know About the BBVA Compass Visa Business Rewards Credit Card  NerdWallet

Small-business owners with only fair credit (FICO scores between 630 and 689) don't have plentiful choices when searching for a business credit card.


China's 'Social Credit' Used to Ban 23M From Traveling  Fortune

China has used its "social credit" system to stop people from traveling by train and planes last year. They didn't pay fines or taxes.


A Teacher’s Student Loans Were Forgiven. Then FedLoan Wrecked His Credit.  The New York Times

Jed Shafer thought his work navigating the troubled public *service* loan forgiveness program was finished. He found out he was wrong when Lowe's turned him ...


Those Credit Card Bonuses May Be Taxable  The New York Times

Have you gotten a bonus from your credit card company for successfully referring friends or family for new cards? You may owe taxes on that bonus. People who ...


China Social Credit System Blocks Millions from Public Services  Sputnik International

Millions of Chinese citizens and businesses have been placed on a government blacklist banning them from accessing financial markets and travelling by air or ...


Apple And Goldman Sachs Will Reportedly Launch An iPhone-Connected Credit Card  NPR

The credit card would represent a foray into new businesses for both companies. With a card, Apple may be able to take a larger cut from purchases than it does ...


Mayor explains credit card bills  Kankakee Daily Journal

Kankakee Mayor Chasity Wells-Armstrong spent nearly $10000 in city money last year on travel, meals and involvement with a national cities group.


Navy Federal Credit Union has a temporary problem with deposits, and customers are not impressed  MarketWatch

Customers tweeted angrily Friday they couldn't see their money deposited.


The Evolution Of Tesla's Regulatory Credit Revenue  Seeking Alpha

Tesla's overall revenue from regulatory credits increased to $418.6 million last year, but the portion from ZEV credits unexpectedly dwindled to $103.4 million.


Big credit score changes coming your way  AZFamily

PHOENIX, AZ (3TV/CBS 5) - Credit scoring as you know it is about change. [SPECIAL SECTION: 3 On Your Side]. For decades, your number was based mostly ...


Dykes Affidavit: “Ford Credit knew or should have known”  KCBD

LUBBOCK, TX (KCBD) - Rick Dykes lays the blame for the collapse of his dealership group at the feet of Shane Smith, Ford Motor Credit, and Ford employee ...


A small next step for criminal justice reform: Fix good time credit | TheHill  The Hill

Both sides of the aisle have rightfully come together on criminal justice reform, including passing the First Step Act. The New York Times said this signature ...


Tax Credit For The Elderly Or Disabled | Finance  PostBulletin.com

If you are over age 65 or are retired due to a disability, you may be eligible for a separate tax credit designed to help the nation's seniors and disabled.


Kraft Heinz's credit outlook revised to negative at S&P  MarketWatch

Kraft Heinz Co.'s KHC, -27.46% credit rating outlook was revised to revised to negative from stable Friday at S&P Global Ratings, following the packaged food ...


Credit downgrades, lawsuits, lost revenue could hinder Pritzker pension plan  Watchdog.org

Experts and credit rating agencies have raised concerns about Gov. J.B. Pritzker's proposal to give state-owned assets such as real estates to Illinois' pension ...


Wanted with Scott McKane: Armed robbery with no mask, credit card theft and other crimes  KSTU FOX 13 Salt Lake City

This week's Wanted begins with a suspect wanted for an armed robbery in West Jordan. Anyone with information on who the suspect may be was asked to call ...


'Inundated' California credit union suspends new applications from marijuana firms  Marijuana Business Daily

A small credit union in Sonoma County, California, is hitting pause on processing applications for marijuana companies because it's trying to deal with a backlog ...


St. Louis County man discovers confusing credit card charges  KMOV.com

A west St. Louis County man says he was blind-sided by confusing credit card charges that eventually totaled several hundred dollars.


Wisconsin credit unions had a strong 2018, with increases in loans and earnings  Milwaukee Journal Sentinel

It was a year of growth and financial milestones for Wisconsin credit unions in 2018, and the new year is likely to hold more of the same.


Peter Frampton's farewell tour coming to the MidFlorida Credit Union Amphitheatre in Tampa  Tampa Bay Times

Peter Frampton's guitar has said almost all it wants to say. The British singer and guitarist has joined the ranks of musical heroes announcing his retirement from ...


TSTC paramedic program offers credit by certification  Valley morning Star

The Emergency Medical Technician program at Texas State Technical College in Harlingen recently made changes that bring more opportunity to current and ...


What's the Deal: Changes coming to how your credit score is calculated  WPVI-TV

For decades, your credit score number was based mostly on your history with payments on things like credit cards and loans. Now, two changes are coming that ...


Reward Offered For Information On Man Who Robbed Credit Union  Patch.com

Reward Offered For Information On Bank Robber - Seminole Heights, FL - Crime Stoppers is offering a $3000 reward for information leading to the arrest of a ...


Credit card details worth nearly $3.5 million put up for sale on hacking forum  ZDNet

Card details of 2.15 million Americans advertised in a separate forum ad.


What Is Credit Card Debt Forgiveness? Is It Right for Me?  INQUIRER.net

Complete credit card debt forgiveness is almost non-existent. Typically, a percentage of the debt is needed before forgiving the remaining portion.


Reagor and Dykes Claim Ford Motor Credit Should Have Known  News/Talk 790 KFYO

Bart Reagor and Rick Dykes filed court records Friday saying why Ford Motor Credit should not automatically collect the over $100 million from the two from the ...


For most Americans, credit card debt is a way of life  CBS News

About two-thirds of cardholders rack up credit card debt to pay for both everyday and emergency expenses.


Wallet stolen during church service, credit cards used nearby, police say  KPRC Click2Houston

A woman's wallet was stolen during a church *service* by another woman sitting close to her, Conroe police said.


A Whole New Credit Score Is Coming—Are You Prepared?  Realtor.com News

FICO is rolling out a new UltraFICO score. What is it? Will it help your credit score? What are the drawbacks? Find out about the new scoring system.


What's Behind Wall Street's Secretive Biofuel Credits Market?  OilPrice.com

Behind closed doors, Wall Street banks and private interests have been making big bucks on the shady trading of biofuel compliance credits, but that may be ...


I use this simple trick to earn big credit card sign-up bonuses — here's how other homeowners can do the same  Business Insider

This simple trick I use can help homeowners get a significant bonus when signing up for a new credit card.


Here's What You Need To Know About Income Limits On The Child Care Tax Credit  Romper

The landmark tax legislation that the republicans passed in 2017 comes into full power this year. Everything is different from previous years, especially how child ...


Million dollar deal would give TRAC a new name  Tri-City Herald

The Trade, Recreation and Agriculture Center or TRAC will become The HAPO Center under a $1 million, 10-year naming rights deal headed to the Franklin ...


Credit rating firm warns of possible trouble for Alaska boroughs if governor’s budget passes  Anchorage Daily News

JUNEAU — A new analysis by the national credit rating firm Fitch Ratings says Alaska's municipal governments could see their ratings drop if Gov.


5 Places Never to Use a Debit or Credit Card  Yahoo Finance

In today's cashless culture, nearly all of our purchases (including those new ankle-boot beauties ) are paid for via credit card. But with all the identity theft...


Global Recession Fear Is Suddenly Stalking the Credit Market  Bloomberg

The risk of a global recession has surged to the top of the worry list for credit investors even as they push down their cash balances to snap up new-year ...


Man robs credit union in Washington City, flees on motorcycle  St George News

WASHINGTON CITY — Authorities are investigating a robbery at a credit union in Washington City that occurred Thursday and are asking for the public's help in ...


New credit reporting option could raise your credit score  WKBN.com

For decades, your FICO score was based on payment history with loans and credit cards.


Credit Suisse loses bid to dismiss lawsuit in U.S. over writedowns  Reuters

NEW YORK (Reuters) - A U.S. judge has rejected Credit Suisse Group AG's bid to dismiss a lawsuit accusing the Swiss bank of defrauding shareholders about ...


4 Things I’ve Learned on My Journey to Great Credit  Yahoo Finance

Not everyone with great credit started out that way. Here's my journey from bad credit to great credit, and four valuable things I've learned on the way.


Credit Suisse says lighten up on emerging markets stocks after big comeback  CNBC

Emerging-market stocks are off to a roaring start to the year, but investors might want to take some profits after the big move up, according to Credit Suisse.


Credit unions emerge as major buyer of community banks  Crain's Chicago Business

Golden Eagle in Woodstock recently became the first area bank to sell to a credit union. It won't be the last. Bankers who aren't selling are unhappy.


Marriott workers’ lawsuit says inconsistent schedules and credit union loans are a predatory mix  Philly.com

Hourly Marriott workers in Philadelphia are in the midst of a lawsuit against the Marriott Employees Federal Credit Union, saying the credit union's $500 ...


Man accused of string of Atlanta car break-ins, credit card thefts  Atlanta Journal Constitution

Police are searching for a man accused of breaking into four cars across Atlanta over a three-day pe...


Alleged credit card thief to cops: 'Man, you guys are quick'  Chambersburg Public Opinion

A Waynesboro man told officers "man, you guys are quick" after he was allegedly caught attempting to use stolen credit cards to purchase a television last week.


How Much Credit Should UNC Get For Beating Duke Without Zion?  Yahoo Sports

With Zion Williamson missing almost all of Duke's loss to North Carolina, how much credit does UNC really deserve for its 16-point win?


Credit rating agencies turn attention to ESG risk  Financial Times

Investors demand ethical analysis to help them avoid companies liable to crises.


14 credit card skimmers found in Arizona so far in 2019  ABC15 Arizona

Officials have already found several credit card skimmers in the Valley this year.


Elwyn moving staff to Camden after $39M tax credit  The Delaware County Daily Times

MIDDLETOWN — Elwyn announced it plans to move up to 200 administrative staff to Camden, N.J., after winning $39.6 million in tax credits in exchange for a ...


San Joaquin Memorial's Jalen Green breaks record but gives his team credit  Fresno Bee

The Panthers of San Joaquin Memorial captured their second Valley championship in a row with the help of Jalen Green, who broke the school record as ...


FBI Investigating Fraud At Louisville Credit Union  LEX18 Lexington KY News

LOUISVILLE, Ky. (WAVE 3)– Louisville Metro Police Officers' Credit Union and it's former vice president are now under investigation by the FBI for fraud.


Rep. Alexandria Ocasio-Cortez takes aim at Equifax and credit scoring  The Washington Post

Freshman Rep. Alexandria Ocasio-Cortez (D-N.Y.) took aim at the credit reporting agency Equifax over the weekend, criticizing the company — which disclosed ...


Lupe Fiasco Gives Credit To Mos Def Song For His Clean Water Initiative  HotNewHipHop

'New World Water' laid the foundation for Lupe's awareness of the water crisis. Lupe Fiasco gave his Zero Mass Water keynote speech at the annual Consumer ...


Call for Action Alert: New ways to boost your credit score  KKTV 11 News

(KKTV) -- Your credit score could get a boost this year thanks to some of the biggest changes in credit reporting in decades. As it stands now, your number is ...


iCredit? Apple plans launch of Apple credit card per reports  WSBT-TV

NASHVILLE, Tenn. (WZTV) - Apple is preparing to launch their own credit card according to the Wall Street Journal. The Journal reports Apple Inc. is joining with ...


Corporate Credit Could Be the Next Bubble to Burst  Barron's

Debt Be Not Proud: The danger in the complacency about corporate credit.


Police seek ID of man who robbed credit union in Moraine  Dayton Daily News

Investigators have released photos of a man who police said robbed a DayMet Credit Union branch in M...


Instagram’s fundraiser stickers could lure credit card numbers  TechCrunch

Mark Zuckerberg recently revealed that commerce is a huge part of the 2019 road map for Facebook's family of apps. But before people can easily buy things ...


Abu Dhabi Oil Giant's Credit Ranked AA as Aramco Seeks Rating  Bloomberg

Abu Dhabi's government-owned oil giant received the region's highest credit rating as Middle Eastern producers, including the world's largest Saudi Aramco, ...


Jim Irsay deserves some credit for Colts’ success  FanSided

Owners rarely get credit for their team's success. You hear a lot of owners get criticized though for poorly managing their team and now allowing them to succeed ...


Taylor County Sheriff: Man who used stolen credit car for car-audio equipment, food  KTXS

The Taylor County Sheriff's Office is looking for a man they say used a stolen credit card to buy over $400 in car-audio equipment and pay for more than $300 ...


I used my stockpile of credit card points to fly across the world in business class for under $100 — here's how I did it  Business Insider

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a ...


Enter the ‘Twilight Zone’ as Stock Nightmares Meet Credit Dreams  Bloomberg

By one measure, it's been decades since stock traders were willing to pay so much for the strongest companies out there -- just as credit investors rush to the ...


Multi-state scheme to steal Home Depot customer credit cards ends in Cincinnati traffic stop  WCPO

CINCINNATI — A routine traffic stop in Cincinnati in 2017 unraveled a nationwide scheme to defraud Home Depot by stealing customer credit card numbers, ...


There's a new way to instantly boost your credit score  NBCNews.com

A new credit assessment program could help millions of Americans instantly improve their credit scores, simply by adding data from their checking account.


Fort Smith Police Searching For Credit Card Thief  KFSM 5Newsonline

FORT SMITH, Ark. (KFSM) — Fort Smith Police are searching for a suspect they say is linked to at least two cases of credit card fraud. Police are asking for help ...


U.S. Federal EV Tax Credit Update For January 2019  InsideEVs

The first two manufacturers, Tesla and General Motors, already reached the limit of 200000 EV sales to trigger the phase-out. Here's how it will all play out now.


More than half a million dollars written off in credit union fraud  WAVE 3

The attorneys said the National Credit Union Administration has agreed to more than $607000 worth of write-offs. But attorneys said that's only for 17 members ...


Blackhawk Community Credit Union to donate building to HealthNet  Gazettextra

Blackhawk Community Credit Union plans to donate its administrative building on Kennedy Road to HealthNet of Rock County.


Medford Police searching for credit card fraud suspect  KTVL

Wednesday morning, Medford Police posted pictures of a possible credit card fraud suspect. They believe the unidentified man used credit cards at multiple ...


Viewpoint: Early college credit leads to success, savings for Hoosier students and the state  South Bend Tribune

Education and training beyond high school are critical not only to our state's economic success but also to help Hoosiers reach their aspirations and live fulfilling ...


Obama takes credit for Steph's jumper during Oakland convention  KNBR

Only one person is allowed to roll through Oakland and jab Stephen Curry about his jumper: Barack Obama.


Credit Card Security Breach with North Country Business Partners  WDIO

Four businesses in the Northland may have been affected by a credit or debit card security breach. North Country Business Products announced Tuesday that ...


North Bay Credit Union takes rare step of opening business accounts for cannabis operators  The Santa Rosa Press Democrat

Across California where recreational marijuana sales became legal Jan. 1, 2018, cannabis enterprises typically remain cash-only businesses unable to access ...


Report card: Boston keeps AAA credit ratings for fifth consecutive year  Boston Herald

The city of Boston has kept its AAA ratings with the country's largest bond rating agencies, Moody's Investors *Service* and Standard & Poor's, for the fifth ...


Getting and keeping the credit (score) you deserve  WTOP

Your credit can affect everything from everyday shopping to big ticket purchases, from where you live to getting a job or starting your own business. Nina Mitchell ...


China social credit system blocks 17.5 MILLION from getting flights | Daily Star  Daily Star

CHINA has blocked nearly 18 million plane tickets that were purchased by people deemed not to have enough “social credit”.


Sebastian Joe's, Dunn Bros., Chino Latino hit by credit card data breach  City Pages

What do Maple Grove steakhouse Pittsburgh Blue, Minneapolis ice cream sensation Sebastian Joe's, and St. Paul-based coffee chain Dunn Bros. have in ...


Get ready to pay higher credit card fees  Bangor Daily News

Consumers will need to watch their credit card bills even more closely starting in April, when Visa, Mastercard and others will increase fees.. Maine news, sports ...





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