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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GoDanRiver.com

A cheapskate's guide to shopping for credit cards
GoDanRiver.com
Cheapskates and low spenders aren't the ideal credit card customers for banks because they're typically not as profitable as fast-swiping spendthrifts who rack up finance charges. Still, banks offer credit cards with features that can fit well into a ...
Are Other People's Credit-Card Rewards Costing You Money?New York Magazine
How to Pick Your Second Credit CardU.S. News & World Report

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Forbes

New Air France-KLM Credit Card From Bank Of America Available Today
Forbes
Although most of the airline rewards cards available in the United States are from American carriers including Delta, JetBlue and United, consumers can apply for credit cards offered by some international airlines as well, including Korean Air, Japan ...
Air France-KLM Launches US Credit CardNerdWallet (blog)

all 6 news articles »


Electrek

New Republican bill could remove federal tax credit cap for EVs after Tesla hits 200k
Electrek
These are confusing times for the US' federal tax credit for electric vehicles as three different bills have been introduced to the legislation to change the law. The latest would be good news for Tesla and GM as it would remove the 200,000 car ...
US Senate bill could give Tesla, GM electric car tax credit boostReuters
Why Some Congressmen Would Scuttle the $7500 EV CreditExtremeTech

all 12 news articles »


Bankrate.com

This is the average FICO credit score — how does your score stack up?
Bankrate.com
The average credit score in the United States hit an all-time high in 2018, according to a new report from the credit scoring company FICO. The average FICO credit score reached 704 in April — up four points from the year prior, according to the ...



Credit Union Journal

Worldwide credit union membership tops 260 million
Credit Union Journal
Worldwide credit union membership has topped 260 million consumers in 117 countries, according to the World Council of Credit Unions' latest statistical report. Those figures reflect 42 million new memberships between the end of 2013 and 2017, with the ...



MLive.com

Robber hits Roosevelt Park credit union again
MLive.com
ROOSEVELT PARK, MI - A credit union in Roosevelt Park was robbed Monday for the second time in recent months, and police believe the same man committed both crimes. The SB Community Federal Credit Union, 991 W. Broadway Ave., was robbed ...
Police suspect same man robbed credit union twiceWOODTV.com
Police believe suspect robbed same credit union twiceFox17
Credit union robbed in Roosevelt Park, police looking for suspectWZZM13.com

all 6 news articles »


Credit Union Journal

Minnesota credit unions create eco-friendly lending platform
Credit Union Journal
Credit unions in Minnesota have banded together to launch a clean energy lending platform, CU Green. The program was developed to give consumers greater access to clean energy through loans, investment options and educational resources, the ...



9to5Google

Google offering $50 store credit with Pixel 3 and Pixel 3 XL pre-orders
9to5Google
Google's latest Pixel smartphones are more expensive than ever before starting at a whopping $799. To help ease the blow a bit, Google is handing out a Pixel 3 pre-order bonus – $50 store credit for anyone who purchased either device.
Google Pixel 3 XL Teardown - iFixitiFixit
Pixel 3 XL OLED Display Technology Shoot-Out - DisplayMateDisplayMate

all 139 news articles »


kfor.com

Shawnee police investigating dozens of credit card fraud cases
kfor.com
SHAWNEE, Okla. - Shawnee police are investigating after receiving multiple reports from people that their credit card information was used fraudulently at ATMs around town. The information was mostly used at two different First United Bank ATM's on ...

and more »


Philly.com

Marriott workers say they are drowning in credit union fees
Philly.com
Holston, Waller, and Broadnax tried to deliver the letter Monday afternoon, but the Marriott's market director for human relations, Bruce Brobeck, refused to take it, saying he did not have control over the credit union. It's a separate institution ...


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