Credit Information

Free Credit Reports Now Available From the FTC

The Federal Trade Commission (FTC) has set up a new website ( where US residents can obtain free copies of their credit reports from the three major credit report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair and Accurate Credit Transactions Act enacted last December. The site was set up in an effort to help fight the increasing threat of identity theft. The credit reports must be ordered from the FTC site to get them for free. If you order your credit report directly from one of the credit report agencies' sites, you'll be charged a fee for the report.

While a number of websites on the Internet currently offer free credit reports, these free reports require a credit card be put on file as a free trial membership of their credit report monitoring service. The reports have been free if you remember to cancel the trial membership, but can end up being quite costly if you accidentally forget. The new FTC site is marketing free and no credit card is required.

To request your credit reports, you'll need to provide your name, address, Social Security number and date of birth. In addition, the credit bureaus may ask you for other information to confirm your identity such as your current monthly mortgage payment. Consumers can also order their free credit reports by calling 877-322-8228 (toll-free) or by mail by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

The free credit reports aren't currently available to all US residents. They're being phased in over the next year by region to prevent the system from being overwhelmed. Currently residents living in Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, and Wyoming can obtain the free credit reports. Residents in the Midwest can get their free credit reports beginning in March, residents in the South beginning in June and residents in the East beginning in September.

Instead of ordering credit reports from all three credit report agencies at once, you might want to consider staggering the three reports so that you receive one credit report every 4 months. This allows you to see how your credit report is changing over time and whether any mistakes you find have been corrected. It will also increases the chances that you will catch any attempts at identity theft more quickly. If, however, you're considering a large purchase such as a home or car where your credit score will be used to determine your eligibility, you'll want to get all three right away. This will allow you to take care of any potential problems as soon as possible.

Once you've received your reports, review each one carefully. The three credit reporting agencies handle millions of pieces of information each year and some estimates have errors in as many as half of the credit reports with a major error in ever one in four. By making sure that all the information contained in the reports is accurate, you will ensure that you receive the best rates from credit agencies in the future.

Now that credit reports are free of charge, there is no reason not to request them each and every year. Keeping tabs on your credit report is one of the most effective ways to protect yourself against identity theft and make sure that all the information that your creditors are accessing is accurate.

Jeffrey Strain is owner of -- a website dedicated to saving you money through quality tips and articles.

THE COLOR OF MONEY: How forbearance can protect your credit score during the government shutdown  The Mercury

WASHINGTON — Lenders are offering a wide variety of help to workers impacted by the partial government shutdown, but one type of assistance in particular ...

Milwaukee secures line of credit for its 2020 Democratic convention bid, clearing last major hurdle  Milwaukee Journal Sentinel

The line of credit was the last major hurdle for the city to clear in its effort to land the 2020 gathering.

Financial utility turns to blockchain for credit derivatives  Roll Call

Bitcoin's price took a beating last year, but blockchain, the technology that underpins the digital currency, continues to gain prominence in the financial industry, ...

Credit Suisse strategist shares his top concern about current market conditions  CNBC

Credit Suisse's top strategist told CNBC on Wednesday the one thing that he is most concerned about as markets stage a comeback. "There's total inconsistency ...

86 million Americans fear maxing out a credit card: Report  CNBC

Despite the dangers of high-interest loans, many Americans are racking up enough credit card debt to worry about overdrafting their account on a single large ...

New Marriott Bonvoy Boundless Credit Card Offers a 100000-Point Bonus  U.S. News & World Report

The new Marriott Bonvoy Boundless Credit Card will soon replace the Marriott Rewards Premier Plus Credit Card, offering a larger 100,000-point sign-up bonus ...

The Government Shutdown Could Hurt US Credit Rate Standing  TIME

The U.S. government shutdown is affecting many areas of Americans lives, but now it could damage the country's credit rate standing too.

This winter, your credit should freeze too  WANE

Before you tackle lofty financial resolutions like paying off debt this year, do yourself a quick favor and freeze your credit reports. It's free, doesn't affect your credit ...

Paid preparer's checklist expands to include head-of-household, other tax credit questions  Journal of Accountancy

The IRS expanded Form 8867, Paid Preparer's Due Diligence Checklist, for 2018 individual income tax returns to include questions for both head-of-household ...

Discipline and Punish: The Birth of China's Social-Credit System  The Nation

In Hangzhou and throughout Shandong province, gold stars and black marks have begun to shape public and private behavior.

Synchrony Says Walmart to Drop Lawsuit Against Credit-Card Issuer  The Wall Street Journal

Synchrony Financial said Walmart has agreed to drop a lawsuit against the bank that alleged it breached the terms of their long-running credit-card deal.

Atlanta Mayor Keisha Lance Bottoms says plan in works for credit union loans to TSA workers  Atlanta Journal Constitution

Atlanta Mayor Keisha Lance Bottoms said in a radio interview that the city is working on a plan to provide credit union loans to Transportation Security ...

2 Hotel Workers Accused Of Credit Card Scam  KELOLAND TV

Two people who worked for a Sioux City hotel have been accused of a scam using guests' credit cards.

Prep Extra Credit, 1/23  Lincoln Journal Star

A look at the top performers from last week in high school sports.

Cronos Group Inc. Announces Closing of $65 Million Credit Facility  PRNewswire

TORONTO, Jan. 23, 2019 /PRNewswire/ - Cronos Group Inc. (NASDAQ: CRON) (TSX: CRON) ("Cronos Group" or the "Company") today announced that it has ...

Fake rumor spreads about Alexandria Ocasio-Cortez's credit score, bank accounts  PolitiFact

U.S. Rep. Alexandria Ocasio-Cortez, D-N.Y., has attracted a ton of attention since her swearing-in earlier this month, with fake quotes being attributed or criticism ...

Jacksonville police: Man robs Merrill Road credit union  WJXT News4JAX

A man robbed a credit union in Arlington late Wednesday afternoon, the Jacksonville Sheriff's Office said.

Credit union offers no-interest loans for anybody feeling effects of shutdown  KCRG

The credit union will be offering an assistance program to federal workers who the shutdown has affected.

Emergency plan for federal workers: Credit cards, pawnshops, second jobs  POLITICO

Thousands of furloughed workers are facing the prospect of suffering lasting damage to their finances.

Sacramento’s Schools Financial Credit Union to merge with California’s largest credit union  Sacramento Bee

The merger will be completed before the end of 2019, pending approval by the Sacramento-based credit union membership and regulatory authorities, ...

Credit Acceptance -1.5% after BTIG's Bologna initiates at sell  Seeking Alpha

Credit Acceptance Corp. (CACC) slips 1.5% in after-hours markets after BTIG analyst Giuliano Bologna initiates coverage of CACC with a sell rating and a pr.

Africa has to curtail Moody's, S&P, Fitch credit rating agencies  Quartz

International rating agencies have operated unregulated though the need for them to be regulated has become apparent.

J.D. Scholten announces Working Hero Iowa earned income tax credit plan  Waterloo Cedar Falls Courier

SIOUX CITY -- J.D. Scholten, the Sioux City Democrat who nearly unseated U.S. Rep. Steve King in 2018, on Wednesday announced the creation of a statewide ...

Israel’s Fundbox - closing the credit gap for women entrepreneurs  The Jerusalem Post

The report concludes with Fundbox's own empirical data demonstrating that transaction-focused risk models help reduce access-to-credit friction for women.

4 Ways to Pay Off Your Credit Card Debt in 2019  U.S. News & World Report

The new year can be a good time to take control of your finances, and for many people, paying off credit card debt is the first step. With new interest charges ...

SkyBridge's Scaramucci talks credit, real estate  Finance and Commerce

SkyBridge Capital founder Anthony Scaramucci discusses his outlook for hedge funds in 2019 and why his opportunity zone fund uses a “more unique structure.

SchoolsFirst Federal Credit Union to add heft with big merger  Credit Union Journal

The $1.9 billion-asset Schools Financial Credit Union has plans to merge into SchoolsFirst, which is already the largest credit union in California.

Banks, credit unions respond to longest government shutdown  UI The Daily Iowan

RELATED: Government shutdown hurts UI researchers in funding, resources RELATED: Partial U.S. government shutdown impacts Iowa agriculture Banks and ...

Former BSU employee pleads guilty to credit card fraud  Bemidji Pioneer

BEMIDJI -- A former longtime BSU employee pleaded guilty Tuesday to fraud after he allegedly used a university credit card to purchase more than $36,000 ...

Furloughed employees' latest headache: Work-related credit card debt  American Banker

For thousands of government employees, credit card bills are coming due for travel and other expenses they incurred before the shutdown.

Warrior Met Coal “B+” Credit Rating Affirmed By S&P Global Ratings; Issue Level Rating Raised To “BB”  Associated Press

BROOKWOOD, Ala.--(BUSINESS WIRE)--Jan 23, 2019--Warrior Met Coal, Inc. (“Warrior” or the “Company”) (NYSE: HCC) announced today that Standard ...

New Jersey opens applications for offshore wind tax credit program  Windpower Engineering

Companies making a capital investment in offshore wind-related facilities in the seven southern counties of New Jersey can now apply for tax credits.

Chinese Social Credit Score: Utopian Big Data Bliss Or Black Mirror On Steroids?  Forbes

By 2020, the Chinese social credit score system will be fully operational and have searchable records and a social credit score to rate trustworthiness for each of ...

WILFORD: Nationalizing Credit Card Companies — Liberals’ Latest Great Idea  The Daily Caller

In their zeal to build up government, some progressive activists are calling for the nationalization of credit card companies.

Redstone Federal Credit Union sees increase in furlough loans  WAFF

With the shutdown surpassing the 30-day mark, Redstone says, it has seen an increase in loan applications from furloughed workers.

FHP: Two arrested with a trunk load of stolen credit cards, checks, ID and Social Security cards  WCJB

ALACHUA COUNTY, Fla. (WCJB)-- The Florida Highway Patrol says they have arrested two people they say they found with a trunk full of stolen credit cards, ...

Trump deserves more credit for health policy improvements  Washington Examiner

The Trump administration is finally getting well-deserved credit, but still not enough, for its efforts to improve healthcare policy.

How the Government Shutdown Could Affect Home Loans, Credit  NBC 5 Dallas-Fort Worth

Concerns are growing as the government shutdown could impact the housing market and credit history for hundreds of thousands of people.

Do NOT order pizza from flyers because your credit card number could be stolen, police say  WOAI

Police are warning people downtown to not order pizza from flyers slipped under the hotel room doors. If you order from the pizza flyers you could have your ...

Recognize these two? Salem police say a credit card skimmer was found on an ATM  WSLS 10

Salem police are looking for help identifying two people who are believed to be involved in a fraud scheme.

Singapore’s Credit Culture raises $29.5M for its soon-to-launch digital loan business  TechCrunch

Singapore's digital fintech companies are attracting investor attention and dollars in 2019. *Fresh* from Singapore Life — a digital-only insurer — raising $33 ...

Woman who went on spending spree with stolen credit cards captured, deputies say  WBAY

ASHWAUBENON, Wis. (WBAY) - The Brown County Sheriff's Office credits numerous tips from the public for Tuesday's arrest of a woman they believe went on a ...

Judge: Ford Credit may repossess Reagor-Dykes vehicles

U. S. Bankruptcy Judge Robert Jones ruled Thursday Ford Motor Credit is due relief from an automatic stay, compelling Reagor-Dykes Auto Group to comply ...

Louisiana credit unions offer special services to help furloughed workers during shutdown

A network of credit unions across Louisiana is providing specialized services and accommodations for furloughed federal workers and their families. ( file photo ).

How to improve your credit score

Your credit score is a measure of your financial health.

Beijing’s blockade of U.S. credit card companies may finally end — now that Chinese companies dominate  The Washington Post

Late last year, American Express received a long-awaited prize from Chinese regulators — permission to start establishing a payment-card network in one of the ...

Novogratz's Galaxy Digital is raising a $250 million credit fund for crypto firms in need of cash  Business Insider

Galaxy Digital, founded by bitcoin king Michael Novogratz, is raising at least $250 million for a credit fund to offer loans to cryptocurrency firms, according to ...

To Raise Your Credit Score, Start by Understanding It  The Wall Street Journal

Building your credit—or rebuilding it—starts with understanding how your credit score is calculated and the factors that play into it.

Deputies look to identify credit card fraud suspect

Deputies in Lexington county are searching for a man accused of credit card fraud. According to the sheriff's department, an unknown man is wanted for the ...

Police ask for help in finding suspects who used stolen credit card  TXK Today

Texarkana, Texas Police are searching for suspects who allegedly used a credit stolen from a victim at an assisted living facility. According to police they used ...

Police calls: Credit union reports man taking photos  Mansfield News Journal

500 block of West Fourth Street, Mansfield - During a traffic stop Tuesday, officers could smell raw marijuana emitting from a 40-year-old man. He was placed ...

Today's Credit-Challenged Car Buyers Differ From Yesterday's  Ward's Auto

SAN FRANCISCO – Today's credit-challenged auto consumers are different from the ones during the recession of a decade ago, says Lou Loquasto of ...

Florida education news: Board appointments, tax credit scholarships, teacher vacancies and more  Tampa Bay Times

OFF BOARD: Gov. Ron DeSantis withdraws two Florida Board of Education appointments that Rick Scott made just before leaving office. Broward County parent ...

Court documents detail alleged credit card scam at Kmart stores in South Jersey and beyond  Cherry Hill Courier Post

Authorities allege ring members stole IDs, opened fraudulent credit accounts - and then went shopping at Kmart.

Maine Credit Union League gives donation to local food bank  WABI

HAMPDEN, Maine (WABI) - A local food bank is getting help when it comes to feeding folks in need. As part of their Ending Hunger Campaign, Maine Credit ...

Maxine Waters calls on financial groups amidst shutdown; Credit unions already on the ground  CUNA News

Credit Union National Association (CUNA) today sent a letter to House Financial Services Committee (HFSC) Chairwoman Maxine Waters in response to her ...

Two men arrested for ATM fraud; found with multiple credit cards and thousands in cash  KSLA

TEXARKANA, TX (KSLA) - The Texarkana Police Department have arrested two men for using homemade credit cards to withdrawal cash from local ATM ...

Tesla Model 3 KBB Values Skyrocket After Federal Tax Credits Slashed: Report  The Drive

Model 3 owners have taken to social media to share their new, 'higher' private party values.

China reportedly made an app to show people if they're standing near someone in debt — a new part of its intrusive 'social credit' policy  Business Insider

It hopes to get citizens to monitor the so-called debtors and report them to authorities if they behave as if they could repay their loans.

PosiGen's $90M credit facility means more solar in CT  Hartford Business

PosiGen, a New Orlean-based solar provider, said it has secured a new $90 million credit line that will help it continue its work leasing solar panels to ...

PG&E secures $5.5 billion in credit to operate during bankruptcy  The Santa Rosa Press Democrat

NEW YORK — The nation's largest utility has lined up $5.5 billion in credit and loans so it can continue operating as it prepares for bankruptcy. Pacific Gas ...

First store directors credit employees and community for Hy-Vee’s success in Council Bluffs market  The Daily Nonpareil

The following story originally published in the Daily Nonpareil's 40th Anniversary Hy-Vee special section, which ran Tuesday, Jan. 22. For more, check out the ...

Fugitive of the Week: Boardman police looking for woman charged with credit card fraud

According to U.S. Marshals, she has a lengthy criminal history.

Our Opinion: BCC deserves credit for enhancing nursing program  Berkshire Eagle

In the summer of 2017, the nursing program at Berkshire Community College hit a snag. The pass rate for students taking the all-important National Council ...

Police searching for woman who used fake credit card at Target | WPXI  WPXI Pittsburgh

Police are asking for the public's help identifying a woman who used a fake credit card with someone else's information.

Homeowners Get a Tax Credit for Buying a House News

If you're a homeowner, get a tax credit for buying a house, actually several, in the form of deductions and credits for home mortgage interest and more.

Ex-Credit Suisse Banker Fraud Case Still a `Five-Headed Hydra'  Bloomberg

A new probe in the case of a convicted Credit Suisse Group AG banker gave victims of Patrice Lescaudron *fresh* ammunition to argue for yet another exhaustive ...

Aberdeen Federal Credit Union patrons deal with possible retailer data breach

Aberdeen Federal Credit Union is working to return calls to customers affected by what seems to be a data breach, according to its website.

AM Best Removes from under Review with Negative Implications and Downgrades Credit Ratings of Cooperativa de Seguros Multiples de Puerto Rico  Business Wire

AM Best has removed from under review with negative implications and downgraded the Financial Strength Rating to B++ (Good) from A- (Excellent) and th.

Graeter's says purchases from website may have compromised credit card information  WKRC TV Cincinnati

CINCINNATI (WKRC) - Graeter's issued a warning that customers' credit card information may be compromised. The company sent notices to 12000 people who ...

SkyBridge's Anthony Scaramucci on Opportunities in Credit, Real Estate  Bloomberg

SkyBridge Capital founder Anthony Scaramucci discusses his outlook for hedge funds in 2019 and why his opportunity zone fund uses a “more unique structure.

Man wanted in James City County for credit card theft  WTKR News 3

There is an outstanding Capias from James City County Juvenile & Domestic Relations Court for Bryant, Sr. for failure to provide support as ordered by the court.

Three women wanted for alleged credit card fraud, breaking into an auto  CBS46 News Atlanta

COVINGTON, GA (CBS46) Newton County Police are looking for three women who they say committed credit card fraud at a Hibbett's Sports store and Kroger.

Police seek identity of suspects in connection with Catonsville home burglary, credit card theft  Baltimore Sun

The Baltimore County Police Department is seeking help in identifying the men who it says used stolen credit cards taken in a residential burglary late last year ...

Royal Oak-based credit union donates $5000 through Adopt a Family program  The Oakland Press

Royal Oak-based OUR Credit Union donated more than $5000 in Christmas gifts and meals through the Volunteers of America Adopt a Family program. Credit ...

Idaho's dual-credit programs subsidized by colleges  Idaho Statesman

Idaho's two- and four-year colleges are feeling the pinch for dual-credit classes. That's because the colleges receive only $65 per credit hour for serving ...

O'Ban 'job tax credit' bill scheduled for committee hearing  The Suburban Times

Sen. Steve O'Ban's bill that would incentivize job growth in Washington counties with the highest unemployment by providing a $275-per-employee 'job tax ...

Man wanted for stealing credit cards arrested in Brunswick  WJW FOX 8 News Cleveland

YOUNGSTOWN, Ohio-- A man accused of stealing credit cards is now behind bars. The suspect pried open a locked cabinet in a downtown Youngstown ...

'Black Israelite' From Brooklyn Takes Credit for Sparking Covington Students' Showdown With Nathan Phillips  The Daily Beast

Religious zealot says his “words of God” had “ripped” the souls from Covington Catholic students.

Big & Rich headed to Virginia Credit Union LIVE! for All-Star Country Music Jam

Calling all country music fans: Country duo Big & Rich is headed to Richmond this summer for the All-Star Country Music Jam at Virginia Credit Union LIVE! on ...

Marathon Co. credit union helping federal employees  WAOW

Marathon Co. (WAOW) -- The Marathon County Employees Credit Union is offering several options to help federal employees impacted by the partial ...

CWI officials say the college is losing money on dual credit courses

Normal tuition rates at CWI are more than double what it costs for a dual credit courses from high schools.

Where to get interest-free loans as the longest-ever government shutdown continues  CNBC

Amid the stalemate in Washington, credit unions and banks are offering accomodations to federal workers. Their best offers include interest-free loans.

Envelopes taken from mail; credit card fraud: Lower Swatara Police Roundup  Middletown Press and Journal

Police said a man reported the theft at 1:25 p.m. Jan. 10. Police said the man had put the bills in the mailbox. He later noticed that the mailbox door was open, ...

Trenton nursing home resident reports credit card missing, discovers liquor store charges  Southgate News Herald

A new nursing home resident at Aberdeen Rehabilitation and Skilled Nursing Center in Trenton called police after realizing the credit card that he could not find ...

Second Howard Johnson employee arrested for credit card theft  KCAU 9

A second person was arrested for the alleged theft of than $30000 through a fraudulent credit card scheme at a Sioux City hotel.

ATL City Council takes up ban on improper credit card use  Atlanta Journal Constitution

Alcohol, in room movies and repairs to personal vehicles among purchases that would be banned.

PayPal offers up to $500 credit for federal employees affected by shutdown  CNBC

PayPal said on Friday it will offer $25 million in interest-free credit to its users who work with the U.S. federal government and are impacted by the shutdown.

Capitol Digest: New bill would give income tax credit after completion of firearm safety course  Omaha World-Herald

The World-Herald's statehouse reporters round up news highlights from the Legislature and state government into the Capitol Digest — a daily briefing for the ...

About 4 in 10 Americans 'have no idea' how their credit score is determined  CNBC

A new survey from CompareCards suggests many Americans don't understand how credit scores work. "People tend to see credit as this mysterious, ...

2 New Ways To Raise Your Credit Score  Forbes

By Michelle Black, Next Avenue Contributor. Getty. You're probably well aware that your credit score can have a big influence on your financial well-being, ...

Plain Talk: Give economic gurus like Grothman credit for the deficit

Whenever Donald Trump, the Republican Party, Trump's economic advisers and the right-wing media talk about the "successes" of this administration, they ...

Rising Credit Card Use Shows Consumers Are Strapped  Seeking Alpha

Though evidence is mounting that the U.S. economy may be heading into a recession, there are many analysts who say that the surge in credit card borrowing is ...

CPD searching for suspect who stole credit card from Harden Street restaurant  WIS10

Columbia Police Department's Property Crimes Unit is investigating a stole credit card incident that took place on January 17th.

Two federally charged in scheme using stolen applications to get credit cards

Two men now face federal charges after they were accused of using stolen identities to buy thousands of dollars worth of merchandise from stores across ...

New tricks for raising your credit score are on their way  CNBC

Two new programs will consider how prospective borrowers manage their cash. Riskier borrowers could see their credit scores rise as a result. Credit card ...

Forbearance can protect credit score during shutdown  The Boston Globe

Lenders are offering a wide variety of help to workers impacted by the partial government shutdown, but one type of assistance in particular can save your credit ...

How to Get a Mortgage With Bad Credit  Yahoo Finance

A bad credit score could add an extra wrinkle or two to the mortgage approval process. "While getting a mortgage with bad credit is not always easy or optimal, ...

Dave Becky Won’t Have an EP Credit on Broad City’s Final Season  Vulture

A spokesperson for Comedy Central confirmed that Louis C.K.'s former manager Dave Becky will not be credited as an executive producer on the fifth and final ...

Credit Suisse's head of technology talks issues of IBM's acquisition of RedHat  Business Insider

Business Insider spoke to Laura Barrowman, chief technology officer at Credit Suisse, at the World Economic Forum in Davos, Switzerland, on Tuesday.

home | site map
© 2007