Credit Information


Credit Information

How Credit Scoring Works


The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life.

Credit Reports Inside and Out


The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your "presentation card".

Identity Theft - Dont Think You Are Immune


As identity theft becomes more prevalent, the need to regularly check your credit report is very easy to see and understand. Two big headlines in the news recently point to how closely tied your credit report and identity theft are.

Credit Reporting: How Does It Work?


In order to determine a consumer's credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes.

What is the Check 21 Act?


Check 21 is the common name for the Check Clearing for the 21st Century Act. It's new legislation that was recently passed by congress and made a law when signed by the President of the United States (remember "I'm just a bill" from Saturday morning cartoons).

Credit Cards - The Top 3 Things You Need To Know


Today there are so many different credit cards available, student prepaid, low interest cards etc. that it has becomes a real hassle to find the right one that will suit your needs.

Credit Score: The Brightest Feather In Your Financial Cap


Credit scores are the most important aspect that determines your financial future. Carrying a good credit score is an asset and can pave your future towards greener pastures.

Credit Card Is Adding The Silver Lining To Your Pocket


In the new millennium plastic money or credit cards has rendered a new zing factor to your pocket. This has not only made you economically more flexible but subsequently added glamour to your financial image as well.

Why Does FACTA Matter to Me?


FACTA stands for Fair and Accurate Credit Transaction Act. FACTA is the law which allows any American access to their credit report once per year.

I've Heard About FACTA; What Does It mean?


What FACTA means is that if you, as an individual, lose the information on anyone you have ever hired; or, for any business in the United States of America that collects any personal information on people, if the information should be lost due to not destroying the information properly, then two things can happen. First, there are federal fines of up to $2,500.

Establishing Credit - What You Need To Know Part 1


Establishing credit is one of the most important things you can do in order to add stability to your financial record and dramatically increase your ability to borrow necessary funds in order to purchase a new home, new car or even pay for college expenses. Unfortunately credit has two sides to it that consumers can exploit.

Establishing Credit - What You Need To Know Part 2


In my previous article "Establishing Credit - What You Need To Know Part 1" I discussed the need for a good credit history and what lenders were looking for prior to loaning an individual money or additional funds based on their credit history. This article will go into the necessary steps someone needs to take in order to initially establish their credit history.

Credit Cards


Credit cards are a form of unsecured credit. The issuer is extending you a line of credit, usually tacking on all sorts of little surprises in the fine print.

Know Your Credit Card Rights


When you apply for a credit card, the application that you sign is also a legally binding contract laying out all the termsbetween you and the bank, such as the interest rate and how its calculated, the grace period, whether there's an annual fee, etc.While you have to agree to the terms and sign if you want the credit card and while the lender will certainly hold you to the terms, the lender doesn't feel similarly committed.

ChexSystems: Who They Are and How it Affects You


ChexSystems is a company that maintains a subscriber membership service used in the banking industry. The members consist mainly of Banks, and Credit Unions, but can include other types of Financial Institutions.

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MORE RESOURCES:
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How to get a credit card when you've never had one
Fairfield Daily Republic
But the odd thing, as with many high-reward credit cards, is that getting approved for one of these Barclays Uber cards isn't a slam dunk for some Generation Y consumers. Many millennials might have the college degree and the new job, but they're held ...

and more »


The Drive

Future Tesla Buyers May Soon Lose $7500 Tax Credit as Automaker Passes Threshold
The Drive
It seems that Teslas have been selling well; in fact, one could argue that they've sold too well. In a surprise find by publication Green Car Reports, Tesla has become the first manufacturer to surpass the threshold for the federal tax credit in the ...
Tesla Hits 200000 Sales: Countdown Starts for Lower Tax Credits, Then NoneExtremeTech
Tesla sold 200000 cars in the US, so the $7500 tax credit is going awayArs Technica
Tesla Federal Tax Credit of $7500 Coming to an End in 2019NBC Bay Area
Investorplace.com -Motor Authority
all 109 news articles »


South Bend Tribune

Michelle Singletary: Perfect credit score unnecessary for borrowers
Press Herald
FICO also creates industry-specific scores that allow a deep dive into the numbers to determine a borrower's credit risk, and these scores can range from 250 to 900, according to Ethan Dornhelm, vice president of scores and predictive analytics at FICO.
Five big ways your credit can affect your lifeMinneapolis Star Tribune

all 5 news articles »


CNBC

The best easy and no-fee travel credit card - CNBC.com
CNBC
A simple, flat-rate travel card that doesn't cost you a thing.

and more »


Moneyish

Almost half of millennials say that their credit scores are holding them back
Moneyish
The survey looked into the credit knowledge and experience of 2,000 Americans ages 18 to 34, and found that many young adults are suffering the consequences of bad credit. In fact, 24% of those surveyed said they never learned how to build good credit ...



cleveland.com

Applying for an equity line? Unfreeze your credit files first: Money Matters
cleveland.com
Q: We applied for a line of credit with KeyBank. I got a call from them later in the day that my credit file is frozen. I froze with Equifax on Feb. 15, 2015, for 90 days. I think we are past that point. Equifax's letter at the time said they would ...



New York Magazine

Kavanaugh Ran Up Huge Credit-Card Debt From Baseball Tickets, White House Says
New York Magazine
On Wednesday the White House revealed that Kavanaugh is actually so painfully “all American” that he racked up a large amount of credit-card debt due to his love of baseball. The Post reported that over the past decade, Kavanaugh incurred tens of ...
Supreme Court nominee Brett Kavanaugh racked up some serious credit card debt. Don't be like BrettCNBC
Brett Kavanaugh's Explanation For His Crippling Credit-Card Debt Is Pure MAGAVanity Fair
Kavanaugh ran up credit card debt buying Washington Nationals season ticketsNBCNews.com
Washington Post -GQ Magazine
all 8,008 news articles »


TechRadar

How to get £15 of Amazon credit for free today when you top up your account
TechRadar
We can tell one thing though and that's how to take advantage of a couple of Amazon promotions right now that give you bonus credit on top-ups. And as much as we hate recommending such a thing, you're going to have to put your shoes on for one of them.



telegraphherald.com

Your money: How to get a credit card when you've never had one
telegraphherald.com
But the odd thing, as with many high-reward credit cards, is that getting approved for one of these Barclays Uber cards isn't a slam dunk for some Generation Y consumers. Many millennials might have the college degree and the new job, but they're held ...



CUNA News (press release)

Defend Your Credit Union's Network
CUNA News (press release)
Credit unions today are well aware of the threats posed by malicious actors—insiders and outsiders—looking to gain access to their confidential data. Yet, despite heavy investments in staff and security technologies, the bad guys are winning the battle.


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