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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The Hill

Sen. Rubio's push for child tax credit is all about 2020
The Hill
Rubio pushed for raising the child tax credit to $2,000; then he insisted that the credit be refundable up to an individual's payroll tax liability, which would allow more low-income people to pay zero taxes. He won on both fronts. The child tax credit ...
Changes to the child tax credit: What it means for familiesCNNMoney
Senate looks to pass tax bill that preserves electric car creditThe Verge
Republicans' $1.5 Trillion Tax Plan Appears on Track to Pass Next WeekNew York Times
Washington Post -USA TODAY -CNN
all 4,499 news articles »


Chicago Daily Herald

Dealing with credit card fraud? You got this
Chicago Daily Herald
First, take a deep breath and remember: As long as you report unauthorized credit card charges to the issuer, you typically won't have to pay for them. That's thanks to protections under federal law and "zero liability" policies from credit card ...

and more »


Economic Times

HDFC Bank issues 3 lakh instant credit card
Economic Times
NEW DELHI: Private sector lender HDFC Bank has issued 3 lakh instant credit cards within a year of its launch. Launched in January this year, InstaCard is delivered to customers within an hour of applying for a credit card in quick and easy steps on ...

and more »


Buffalo News

Modified historic tax credit, other development breaks survive in tax bill
Buffalo News
WASHINGTON – The historic rehabilitation tax credit – the spark behind the renovation of dozens of buildings in Buffalo in recent years – and several other key tax breaks for development survived in the final version of a tax reform bill likely to pass ...



The Guardian

'Unpaid' Thames Water bill is sending my credit rating down the drain
The Guardian
I now have a £2,500 unpaid bill which drastically affects my credit rating. Thames Water acknowledged it must be a mistake and that I don't need to repay it. It has put my account on hold although it never contacted me to explain the reading in the ...



Chicago Daily Herald

That New Store Card Could Torpedo Your Credit Score
NerdWallet (blog)
The credit limits on retail cards that you use only at one store or chain are typically about 10% of those on comparable general-use credit cards, Ulzheimer says. Let's say you open a store card to get 20% off a $250 purchase. After the discount, your ...
Beware: That new store card could torpedo your credit scoreChicago Daily Herald

all 3 news articles »


New York Times

In the Wake of the Equifax Breach, a Bank Pushes Credit Freezes ...
New York Times
Few financial services companies spoke up after the Equifax breach affected 145 million people. But this week, Umpqua Bank held a credit freeze day.

and more »


Fond du Lac Reporter

Fond du Lac water bill payment system hacked, credit card numbers stolen
Fond du Lac Reporter
The City of Fond du Lac's vendor third-party payment engine was hacked, compromising a number of credit cards used to pay water bills online. The city announced the hack in an online statement on Dec. 15, noting it was possible people who made online ...

and more »


Fortune

Electric Vehicle Tax Credit Is Safe In Republican Tax Bill
Fortune
The Electric Drive Transportation Association said in a statement late Friday it was pleased the credit would remain in law. “The credit supports innovation and job creation while helping drivers access advanced vehicle technology,” the group said ...
The Electric Vehicle Credit Officially Survives The New Republican ...Jalopnik
Congress Saves $7500 EV Tax Credit Following Full-Court PressureForbes
The $7500 EV Tax Credit Lives On in New Tax BillCar and Driver (blog)

all 9 news articles »


SIU Credit Union promotes Pelzer
The Southern
SIU Credit Union recently promoted Tiffane Pelzer to assistant vice president of consumer lending. Pelzer has been employed with the Credit Union for more than 16 years, and has helped grow the consumer loan division dramatically during her tenure ...


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