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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Forbes

Surprise...Credit Freezes Will Now Be Free
Forbes
There's a silver lining to last fall's Equifax credit hack. Credit freezes will now be free, which can help protect you from identity theft. On Tuesday, the U.S. House of Representatives included the credit freeze provision as part of a more ...

and more »


ConsumerReports.org

Good News for Consumers: Free Credit Freezes
ConsumerReports.org
Credit reporting companies such as Equifax, Experian and TransUnion will soon be required to let consumers freeze and unfreeze their credit files for free. The provision is part of a bipartisan bill signed Thursday by President Donald Trump that rolls ...

and more »


South African rand dips ahead of credit rating reviews
Reuters
JOHANNESBURG, May 25 (Reuters) - South Africa's rand weakened in cautious trade early on Friday as investors took profits from a rally in the previous session ahead of a ratings decision by S&P Global. * At 0640 GMT the rand was 0.42 percent weaker at ...

and more »


CNBC

How the just-passed banking overhaul bill affects consumers
CNBC
Legislation that eases banking regulations — and modifies rules governing credit reports and some consumer loans — has cleared Congress and is headed to President Donald Trump for his expected signature. The bill, which was approved by the Senate in ...
How the new reg relief law could help credit unions and small banksCredit Union Journal
Dodd-Frank rollback cheered by credit unionsFox Business

all 290 news articles »


PaymentsJournal

Credit Karma: Millennial Kismet or Creditor's Dream
PaymentsJournal
Here is an interesting article in Forbes on credit card aggregators, the sites that offer credit card applications for major banks. It is likely that you may have tried one yourself. Credit Karma is one of the large ones; can you believe $4 billion ...



Whitehouse.gov (press release)

President Donald J. Trump Supports Regulatory Reforms For Community Banks, Credit Unions, and Consumers
Whitehouse.gov (press release)
2155 will help protect consumers' private information by giving them the ability to place security freezes on their credit files with credit bureaus. As a result, consumers will be better equipped to protect their credit information in the event of a ...

and more »


Wall Street Journal

Goldman, Blackstone Make Peace in Credit-Derivative Standoff - WSJ
Wall Street Journal
Goldman Sachs and Blackstone recently resolved a monthslong standoff over a controversial derivatives trade that had alarmed regulators and investors in the ...
Goldman, Blackstone resolve dispute over credit derivative trade: WSJSeeking Alpha

all 3 news articles »


KING5.com

WA senator takes shot at Seattle with 'head tax credit' bill
KING5.com
A Washington state senator from Pierce County is now offering a tax credit to lure jobs to rural areas. Senator Steve O'Ban, R-University Place, is offering up a proposal for a $275 tax credit to companies that create new positions in counties that are ...
Senator proposes employee tax credit for counties with high unemploymentMyNorthwest.com
'Seattle doesn't speak for entire state': Lawmaker proposes employee tax credit in distressed countiesQ13 FOX

all 4 news articles »


CNBC

To lure millennials, Apple, Ikea and Uber are pushing branded credit cards
CNBC
Millennials looking to pay with plastic have more options than ever. Most recently, word spread of a new credit card courtesy of Apple and Goldman Sachs, which may be introduced as early as next year. The card will be branded with Apple Pay, the ...



Forbes

Chase Launches New Ink Business Unlimited Credit Card - $500 Sign-Up Bonus
Forbes
Chase's beloved family of Ink business credit cards welcomed a new member this week with the unveiling of the new Ink Business Unlimited Card. This no annual fee card will be issued alongside the Ink Business Preferred and Ink Business Cash Card which ...


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