Credit Information


Credit Information

Good Credit -- Essential for the Prospective Home Buyer


Credit is a funny thing. It can be a useful tool in the hands of an informed individual, or a weight of burden to the unsuspecting.

10 Simple Steps to Manage Your Credit


By far the greatest invention the banks have ever come up with came out in the 20th century. Also the new field of Credit Management was born with the invention of the credit card.

Credit Card Entrapment - The Secrets are Out


Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but you definitely pay for it and BIG!The next time you open up your credit card statement, take a real close look to all the "junk" inside particularly the very hard to read insert Call "changes to you credit card agreement".

10 Dirty Tricks Credit Card Companies Play


The credit card companies make billions each year in legitimate interest charges and fees, but are under constant pressure from the shareholders to increase their earnings. To make this extra money the credit card companies sometime adopt some dirty tricks to make this money.

Credit Repair, How To


Credit repair, is in a word, vital to reestablishing your credit. Unless you plan to never use your credit again, then you have to find a way to fix it.

Identity Theft - Who Would Want Mine?


With all my bills who would possibly want my credit? Let them steal my identity and pay my bills! Unfortunately, that's not the way it works. Many of us mistakenly believe that identity thieves hit only the wealthy.

Credit Cards And Loans - So Many Options - So Little Time


Credit Cards and Loans sounds like just two things, but in actuality, it is dozens of things. Due to a combination of user preferences, lifestyles, and marketing ideas, there are dozens of different types of credit cards out there.

Credit Report - Check Yours Regularly - and for Free


In the twenty-first century, there are few documents that have a greater impact on the lives of Americans then their credit report. Credit rating determines one's ability to buy a home, a car, or to obtain a credit card or a job.

Bad Checks, Bounced Checks, & NSF Checks


Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.

Bad Debt Recovery


Bad Debt IdentificationIdentifying bad debt is not as easy as it sounds. But the earlier it is done, the better are chances of recovering it.

Ethical Finance: Who Benefits From Our Spending?


On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.Financial comparison site moneynet.

Learn The Truth About Identity Theft


Identity theft is the fastest growing crime in America, according to a recently released FTC study. Did you know that the term "identity theft" did not exist until just a few years ago? It is a recent phenomenon that is causing a great furor around the world.

Why Does Your Credit Card Rate Keep Going Up?


Have your read your credit card contract through completely? Do you know when it is okay for your creditor to raise your interest rates? If you are not sure about how and when your rates can be affected over the life of your contract you should take a few minutes to read your contract thoroughly from beginning to end.Creditors must have clauses in their contracts that give them the right to change your interest rates.

Pitfalls of the Credit Industry


The credit industry if rife with pitfalls. If you have ever owned a credit card you probably already have learned this the hard way.

Rebuild Your Credit the Right Way the First Time


If you are one of the millions of people out there with bad credit you need to step up and start doing something to get yourself back into credits good graces. Having good credit is the only way to assure that you will get the best interest rates on any loans and credit cards that you apply for.

More Articles from Credit Information:
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MORE RESOURCES:
Will paying off debt hurt my credit score?  MarketWatch

Paying off non-credit card debt early may actually make you less creditworthy, according to scoring models.


Credit card skimmers targeting South Sound caught on camera | KIRO-TV  KIRO Seattle

Credit card skimmers are targeting ATMs in the South Sound from Auburn to Thurston County. Surveillance cameras have caught two pairs of thieves installing ...


Morgan Stanley: Credit bear market is here  CNBC

Adam Richmond, head of U.S. credit strategy for Morgan Stanley, joins CNBC's "Squawk Box" to take a look at the odds of a Fed rate hike.


The best credit cards for holiday shopping  CNBC

By using a credit card that offers cash back and protects your purchases against damages, you can save a lot of money this holiday season. Here are some of ...


This Week In Credit Card News: A Card To Help Control Your Vices; How The Rich Use Their Credit Card  Forbes

A recap of what took place this week in the credit card and payment industries.


AmEx Platinum cardholders can potentially get the $200 airline fee credit twice in their first year — here's how  Business Insider

You can get the AmEx Platinum airline fee credit twice in your first year when you open the card now. It's possible to double-dip, or even triple-dip.


Perfect partners: Credit union and Blue Santa  Fort Morgan Times

For more than two decades, Fort Morgan Police Department and Fort Morgan Federal Credit Union have teamed around the holidays to help less fortunate ...


What is Magecart? Credit card-stealing malware proves hard to stop  NBC News

Credit card-stealing software known as Magecart has been infecting e-commerce websites since 2014 continues to prove hard to stop, with a variety of hacking ...


State Farm Bank Sanctioned Over Handling Of Credit Reports  WGLT News

State Farm Bank has been ordered to change its practices after the Consumer Financial Protection Bureau found it violated federal law by improperly.


Credit card might not cover car rental insurance  Kotatv

(Consumer Reports) - Planning a trip that includes a rental car? Finding the right size car is easy, but what about insurance add-ons? Should you buy the added ...


U.N. climate talks deadlocked over carbon credit issue  Reuters

United Nations' climate talks to agree on the rules of the 2015 Paris Agreement became deadlocked late on Saturday over the monitoring of carbon credits to ...


Cumberland Farms employee helps police catch woman who stole her credit card  The Westerly Sun

WESTERLY — A Cumberland Farms employee who lost a credit card helped officers catch the woman who picked it up and used it to make numerous ...


Have you seen these 3? They’re wanted for stealing credit cards at the YMCA and spending $4,000  Idaho Statesman

The Meridian Police Department is looking for information on three individuals who stole credit cards out of wallets in YMCA lockers, where they later spent ...


Black-owned credit union closer to opening in N. Mpls.  MPR News

A financial institution has reached a milestone in its effort to open a black-led credit union in north Minneapolis. Village Financial Cooperative received notice ...


Authorities find credit card skimmers at seven Pasco gas stations  Tampa Bay Times

The devices are put on pumps to record credit and debit card details.


Liquidity Fears Have the Likes of Pimco Sheltering in Credit Swaps  Bloomberg

In the worst year for global credit in a decade, nimble-footed traders like Dan Ivascyn are boosting defenses against an imminent liquidity crunch.


Doctors credit Idaho State Police with saving 2-year-old boy's life  KXLY Spokane

Idaho State Police never could never imagine when they pulled a minivan over this week, that inside they would find a starving two-year-old boy, nearly beaten ...


Gift-card giving gift guide: How to use your credit card rewards this holiday season  Bankrate.com

If you want to use your credit card rewards to give gift cards over the holidays, it's important to plan ahead.


Metro’s Most Wanted: Bold thieves breaking into cars and stealing credit cards  KTVI Fox 2 St. Louis

MARYLAND HEIGHTS, Mo. – This is the time of the year people get busy and leave their purses, wallets, or Christmas gifts in their vehicles out of convenience.


Lydia introduces credit lines  TechCrunch

French startup Lydia announced a partnership with Banque Casino today for small credit lines. Starting tomorrow, Lydia users in France will be able to borrow as ...


Tax credit helps YMCA expansion  KOMU 8

The Southern Boone Area YMCA will receive funding for its new facility from the state's Neighborhood Assistance Program.


Packers' Davante Adams has the numbers, but will he get the credit? - NFC North- ESPN  ESPN

Davante Adams draws a lot of attention from opposing defenses, but no matter the circumstance, he keeps on getting open and catching touchdowns.


Man sentenced to using more than 500 fraudulent credit cards around Las Vegas  KTNV Las Vegas

A California man who possessed and used over 500 fraudulent credit and debit cards throughout the Las Vegas valley was sentenced Thursday to 5 years in ...


I want to marry my boyfriend, but he has $25,000 in credit-card debt and leads a financially reckless lifestyle  MarketWatch

This woman feels caught between her love for her boyfriend and his love for buying stuff on credit.


Police search for suspects who installed credit card skimmer at Puyallup store  KIRO Seattle

Puyallup police are searching for two suspects who they say installed a credit card skimmer over a pin pad.


US Credit Union Blockchain Consortium Joins R3's Global Ecosystem  Cointelegraph

CULedger, a U.S. credit union *service* organization-owned blockchain consortium, has joined enterprise software firm R3's global blockchain ecosystem.


This state is the most burdened by credit-card debt  MarketWatch

Wages aren't keeping pace with many Americans' credit-card debt.


Hired a nanny this year? Claim this tax credit for 2018  CNBC

As you prepare your tax documents for the end of the year, remember to get right with your nanny. That's because if you're paying her under the table, you won't ...


News Oakland County postal worker accused of stealing 86 credit, debit & gift cards from mail  WXYZ

OAKLAND COUNTY, Mich. (WXYZ) — An Oakland County postal worker allegedly stole United States mail meant for delivery, according to a federal complaint.


West Chester hotel thief a good tipper  Hamilton Journal News

Someone charged $2500 on a fake credit card at the West Chester Hilton Garden Inn.


12 credit card skimmers found at gas stations in Pasco County  WFLA

PASCO COUNTY, Fla. (WFLA) - The Pasco County Sheriff's Office says a dozen credit card skimmers were found at several gas stations throughout the county.


Fort Myers jeweler catches credit card scammer making $16K purchase  Wink News

A Southwest Florida business owner helped catch a credit card scammer with a clever ploy of his own. Cerio's Jewelry Owner Greg Cerio caught Terris Devon ...


Credit card skimmer found at Oak Hill gas station  KXAN.com

AUSTIN (KXAN) -- A credit card skimmer was found at a gas station Wednesday near Oak Hill, according to officials with the Texas Department of Agriculture.


Your new social credit score  Boing Boing

https://youtu.be/WByBm2SwKk8 This video imagines a social credit system in the UK similar to one under development in China, in which your purchases, ...


Police: Thief steals credit card out of car, uses it at Walmart  News 12 Connecticut

Police are searching for the woman who broke into a car in Norwalk to steal a credit card that she later used at a nearby store.


Millennial Credit Card Hackers Are Taking Free Travel Perks to a New Extreme — Some of Them Have Up to 50 Cards  Yahoo! Finance News

Savvy millennial credit card users are juggling sign-up bonuses and rewards points to fund luxurious trips. Here are their top four secrets.


Montana Supreme Court: Tax credit that benefited religious schools is unconstitutional  The Missoulian

Montana's high court on Wednesday struck down the state's tax credit for school scholarships because it primarily benefited religious schools, running afoul of ...


Ten Northeast Ohio buildings are awarded Historic Preservation Tax Credits  Crain's Cleveland Business

Ten buildings in Northeast Ohio are among 28 statewide that on Wednesday, Dec. 12, were awarded Historic Preservation Tax Credits by the Ohio Development ...


Minnesota certifies first black-led cooperative credit union  Star Tribune

North Minneapolis is one step closer to having its first black-led credit union after Village Financial Cooperative received a contingent charter approval from the ...


De Blasio: I don't get enough credit for my progressive achievements  New York Post

Mayor Bill de Blasio went on a drawn-out rant Friday against his critics on the left, claiming he's not getting enough credit for his progressive achievements ...


Spider-Man: Into the Spider-Verse’s 2 post-credits scenes, explained  Vox.com

(Spoilers!) Spider-Man: Into the Spider-Verse has two credits scenes. Here's what happens in them, explained.


Letter to the editor: Collins deserves credit for Waterville grant  Press Herald

There are moments when elected leaders make extraordinary efforts to support their local communities, and it is important that we recognize that good work.


How Wealthy People Use Credit Cards Differently Than Most Americans  Yahoo! Finance News

The wealthy make their credit cards work for them, not against them. See how a change in your payment habits can help you do the same.


The U.S. Should Use Beijing's Social Credit System against China  The National Interest Online

China's new “social credit” system is about as Orwellian as you can get. While some pundits have praised the China model— New York Times columnist Tom ...


Ending hunger on UMaine campuses is the goal of on campus credit union  WAGM

Ending hunger on University of Maine campuses is the goal for the university Credit Union. For the second year now the ucu is raising money and awareness ...


Hyundai prices Kona Electric starting at $36450 before Fed tax credit  Green Car Congress

Hyundai announced that the starting price for the 2019 Kona Electric electric crossover is $36450, for an effective net price of $28950 ($29995 including ...


Anne Arundel County elementary school star ratings hurt by lack of credit for 'well-rounded curriculum'  Baltimore Sun

Anne Arundel County's elementary schools would have earned more stars on the new state rating system but for the fifth grade health curriculum.


Police: Auburn man bought TV with stolen credit card  Auburn Citizen

An Auburn man is facing criminal charges for allegedly shopping with a stolen credit card.


Options are pointing to more volatility to come: Credit Suisse  CNBC

The wild swings of the past few months will linger in the New Year, according to Credit Suisse's Mandy Xu.


Packers QB Aaron Rodgers says Davante Adams deserves more credit for strong play  ClutchPoints

Green Bay Packers superstar Aaron Rodgers believes wide receiver Davante Adams deserves much more credit than he's getting for another solid season.


AM Best Affirms Credit Ratings of East Africa Reinsurance Company Limited  Business Wire

AM Best has affirmed the Financial Strength Rating of B (Fair) and the Long-Term Issuer Credit Rating of “bb+” of East Africa Reinsurance Company Limi.


Novi man faces felony charges after Lake Trust Credit Union robbery  Livingston Daily

A 28-year-old Novi man has been arraigned in connection with a credit union robbery that occurred in Brighton earlier this week. The arraignment for Warren ...


Sometimes Credit Default Swaps Are Things of Beauty  Bloomberg

A credit default swap is basically a bet on whether a company will default on its debt. When the company defaults, people who sold CDS on that company ...


China’s social credit poses rising risk to CEOs  Reuters

(Reuters Breakingviews) - China's “social credit” system is another worry for executives, as tensions spike over the arrest of a Huawei executive at U.S. behest.


The credit score you need to get the best rewards cards  CNBC

Rewards cards can save you a lot of money, either in cash back or travel perks, but you need at least this credit score to qualify.


8 players tied to Rutgers football team indicted in credit card fraud scheme; Brendan Devera avoids most serious charge  NJ.com

The 8 players tied to the Rutgers team will be in court in January after being indicted on credit-card fraud charges.


Does Aquaman Have A Post-Credits Scene (& How Many)? | ScreenRant  Screen Rant

Should you sit through the credits of Aquaman hoping for one last after-credits tease? The latest DCEU outing is coming out at a time when the future of ...


It’ll Take More Than a Buyback to Boost Credit Suisse  Wall Street Journal

Credit Suisse may have finished three years of restructuring, but its investment story is a work in progress.


GM fights government to retain electric car tax credit  Detroit Free Press

WASHINGTON — General Motors is fighting to retain a valuable tax credit for electric vehicles as the nation's largest automaker contends with the political fallout ...


Shop With PayPal Credit and Pay Off Your Holiday Purchases Over Time  The Daily Beast

Apply now to enjoy special financing on purchases of $99 or more. Just in time to check everything off of your holiday shopping list.


AM Best Affirms Credit Ratings of Sun Life Financial Inc. and Certain Subsidiaries  Business Wire

AM Best has affirmed the Financial Strength Rating (FSR) of A+ (Superior) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “aa-” of Sun Life.


The Editors: Expand the Earned Income Tax Credit  America Magazine

Additional EITC expansions today—for adults with or without children—would likely continue to increase labor supply, decrease poverty, and improve the ...


Planned 43-unit affordable housing project in Lakewood wins $850,000 tax credit  The Denver Post

A planned 43-unit affordable housing complex just south of Kendrick Lake in Lakewood this week received a tax credit that will enable the project to move ...


How to Get Credit When You Have None  Yahoo Finance

Trying to get your first credit card can be as frustrating as trying to land your first job. Employers want experience, but you can't get experience unless someone ...


Beware: These moves can leave a dent in your credit score  CNBC

The standard advice for a high credit score is to pay your bills on time and keep your balances to a minimum, but experts warn that other moves you make can ...


GM fights feds to keep $7,500 electric vehicle tax credit  Chicago Tribune

General Motors is fighting to retain a valuable tax credit for electric vehicles as the nation's largest automaker tries to deal with the political fallout.


Caribou man gets 5 years in prison for robbing NH credit union  Bangor Daily News

A Maine man has been sentenced to five years in federal prison for robbing a credit union in New Hampshire.. Maine news, sports, politics, election results, and ...


2020 election: this child tax credit expansion could slash poverty  Vox.com

The American Family Act of 2017 — a bill that would give all but the richest families at least $3,000 per year per child, no questions asked — is not famous.


A Surprisingly Simple Way to Make Credit Cards Work for You  Yahoo! Finance News

Your credit card doesn't have to put you on the fast track to debt. Learn about one simple method that allows you to reap all the rewards and other credit card ...


Tesla to offer full refunds to buyers who miss tax credit cutoff  Green Car Reports

As we've covered here before, Tesla buyers are facing the expiration of the full federal plug-in vehicle tax credit that the cars are currently eligible for through ...


3 credit card skimmers found at Monument gas station  KKTV 11 News

MONUMENT, Colo. (KKTV) - Police have found three credit card skimmers at a gas station in Monument -- and they may have been as long as five days.


New credit union coming to Alma area | Local News  The Morning Sun

Gratiot County is getting a new financial institution. Ionia-based Michigan One Community Credit Union has purchased a 1.4-acre parcel in front of Family Farm ...


Trump Is Trying to Use Credit Scores to Keep Immigrants Out of the U.S.  Slate

One reason to be skeptical about the use of credit reports for any purpose is their sky-high rate of inaccuracy.


How to reform the federal electric vehicle tax credit | TheHill  The Hill

Travelers on the road this holiday season may have noticed a growing number of electric vehicle (EV) charging stations at parking garages, rest stops and ...


Here's Which Automakers Will Suffer If Trump Ends Electric Car Tax Credits  Forbes

Luxury EVs may not suffer as much as would plug-in cars from mainstream makers like General Motors and Nissan.


Nigeria fintech Paylater gets credit rating ahead CBN regs  Quartz

Fintech companies are increasingly playing at the same level as traditional financial institutions.


The 10 cities in the US where credit card balances are increasing the most  CNBC

In some U.S. cities, like Austin, Texas, credit card balances increased more than 10 percent this year, finds a recent report from CompareCards.com.


Moody’s: Jersey City biz tax a ‘credit positive’  NJ.com

JERSEY CITY — The 1 percent business tax at the center of a major controversy in Jersey City is a “credit positive” for the city and school district, according to a ...


Several Stolen And Burgled Cars, And One Credit Card Skimmer: PPD  Puyallup, WA Patch

Several Stolen And Burgled Cars In This PPD Log - Puyallup, WA - While some cars were just burgled numerous others were taken altogether. Police also found ...


Brooklyn Mother Given Fine, Community Service In N.J. Credit Card Case  CBS New York

NEW YORK (CBSNewYork) – A Brooklyn mother whose arrest sparked outrage appeared in a New Jersey courtroom Wednesday in a separate case. Jazmine ...


U.S. Consumer Credit Rose Most in 11 Months in October  Bloomberg

U.S. consumer debt rose in October by the most in almost a year and topped estimates, indicating Americans were stepping up borrowing to finance purchases.


New ‘Star Trek’ Series to Shoot in California, Selected for Tax Credit  Variety

CBS's new “Star Trek” series, with Patrick Stewart reprising the role of Capt. Jean-Luc Picard, will shoot in California and receive a $15.6 million production tax ...


Park City residents carrying among the heaviest credit-card debts in America, study says  Salt Lake Tribune

One of America's richest cities — Park City, Utah — also has one of the highest levels of credit card debt, according to a new study. The median credit card debt ...


Abraaj Credit Fund to Be Taken Over by Kuwait's NBK Capital  Bloomberg

Liquidators of the collapsed private equity fund Abraaj Group are close to completing the transfer of its credit fund to another investment manager as they seek to ...


BE AWARE: Skimming device used in recent rash of credit card fraud in Monroe, police say | WSOC-TV  WSOC Charlotte

Police said they believe a credit card skimming devices are being used in Monroe, but haven't figured out where the device may be.


Police seeking suspect after Lake Trust Credit Union in Brighton robbed  Livingston Daily

A Lake Trust Credit Union branch in Brighton was robbed Monday afternoon, officials said. "The lone suspect, a black male, wearing all black, walked into the ...


Lake County Board eliminates credit cards for commissioners  Chicago Daily Herald

In its first act of reform since the November election, the Lake County Board on Tuesday abolished the taxpayer-funded credit cards commissioners have used ...


MLB -- Tampa Bay Rays deserve credit for signing Charlie Morton  ESPN

Despite facing long odds in the AL East, Tampa Bay invested in free agent Charlie Morton, who should be a good fit on its pitching staff.


It's Unscientific To Credit 'Inherent Differences' For Underrepresentation In Science  Forbes

Behavioral ecology is a real science. But applying it to humans, with our social structures, is highly suspect.


Report: 8 Rutgers football players indicted in credit card scheme  USA TODAY

The eight Rutgers football players charged in connection with a credit card fraud scheme earlier this year have been indicted, according to an NJ Advance ...


Ryan Tannehill, Adam Gase deserve more credit for Dolphins' success  NBC Sports - Misc.

Mike Florio and Chris Simms air out their grievances on PFT Live, including Ryan Tannehill still getting no love, changes to the Rooney Rule and more.


This is how much credit-card debt makes you undatable, and do Americans marry for love or money?  MarketWatch

Happy Monday, MarketWatchers! Start off your week with today's top personal finance stories. How to buy gift cards for friends and family that won't go to waste.


Police: Credit card skimming is a 'feeding frenzy' across the valley  FOX5 Las Vegas

Las Vegas Metropolitan Police said they are recovering a record high number of credit card skimmers in what they're calling a “feeding frenzy” for personal ...


Tesla to refund customers who can't get tax credit before deadline  INSIDER

The $7500 credit previously available to Tesla buyers will shrink by $3750 on January 1.


Berkeley County considers stormwater credit policy after complaints  Live 5 News WCSC

After several businesses and church leaders complained about sharp hikes in stormwater utility fees, Berkeley County Council agreed to consider implementing ...


Short-term credit markets look positive, says investment guru  CNBC

Larry McDonald of 'The Bear Traps Report' joins 'Squawk Box' to discuss General Electric's market slump.


State police: Juvenile stole credit cards and went on $2000 shopping spree  Tribune-Review

A juvenile used two stolen credit cards to make $2000 worth of unauthorized transactions in various Western Pennsylvania counties, state police said.


Fact Check: Trump claims credit for decades-old border structures  ABC News

President Donald Trump insisted on Tuesday that much of the border wall he wants has already been built and has been "very effective." ...


LQD: Have We Forgotten About Credit Spreads?  Seeking Alpha

Despite moving to the back-burner, credit spreads are near multi-month highs. What implications do higher credit spreads have on stock prices? Why you ...


Stanford grads raise $20 million for a company that aims to make life cheaper and easier for immigrants  CNBC

Immigrants to the U.S. have a hard time doing anything for which they need a credit score, like getting a loan. "It's ridiculous that it's 2018," says Misha Esipov, ...


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