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.

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MORE RESOURCES:
No credit history? This new credit card pays cash-back rewards for on-time bill payments  NBC News

A new player in the crowded credit card market hopes to stand out from the crowd by doing things differently. The Petal Card is being marketed to people who ...


Here's How To Unlock The Best Credit Card Rewards  Forbes

Which credit cards offer the best credit cards rewards? Here's what you need to know and how to start earning credit card rewards. Best Credit Cards: Credit ...


When Should I Use My Personal Credit for My Business?  Nav

The smart choice is to always separate your personal and business finances, credit, everything. But, sometimes it's not possible. When should the lines cross?


Tesla Shifts From Growth To 'Distressed-Credit' Story, Morgan Stanley Says  Forbes

Tesla has entered a dangerous phase in its relatively short life, shifting from a company many believed had vast long-term growth potential to a “distressed-credit ...


How to Make Credit Card Companies Fight for Your Business  The Motley Fool

Want to know the secret to getting the best credit cards? Follow the steps detailed here.


Managing personnel: Professionals on the move  Credit Union Journal

Credit unions across the country have made staffing changes while employees at others were recognized with industry awards.


Watch your credit card rewards pile up with these 5 tips  CT Post

Just because summer's approaching doesn't mean your wallet gets a vacation. From graduation season and Father's Day to the Fourth of July and ...


New study looks at germs on credit cards, money  kwwl.com

A new study by a finance website finds credit and debit cards are near the top of the list when it comes to germs.


How Americans' credit has changed since 2008  Axios

Credit monitoring agency Experian this week released its report on the state of Americans' credit. The company examined today's consumer credit behaviors ...


Ewwww: more germs found on credit cards than on a toilet  WRCB-TV

A new study by finance website, LendEDU, finds that credit cards and debit cards are near the top of the list when it comes to germs. Cards even have more ...


Square Quietly Launches Program For CBD Cannabis Company Credit Card Processing  Forbes

In a reversal, payment processor Square is now accepting some CBD businesses as clients in light of the changing legal status of the cannabis-derived ...


RPT-Consumer lender Home Credit appoints banks for over $1 bln HK IPO - sources  Reuters

Global consumer lender Home Credit Group has appointed Citigroup, HSBC Holdings and Morgan Stanley to lead its upcoming Hong Kong initial public offering ...


Hate credit cards? Now you have yet another reason to  Fast Company

Credit cards are the worst. They disconnect users from their money, making it too easy to spend and too simple to rack up debt and potentially ruin your credit ...


This map shows Americans' average credit score in every state  CNBC

Americans in certain areas of the country have significantly higher average credit scores than others. Experian's annual State of Credit report shows the average ...


Carter's Announces Launch of Branded Credit Card  Associated Press

Press release *content* from Business Wire. The AP news staff was not involved in its creation.


VyStar Credit Union Improves Member Experience, Reduces Fraud with Verint Identity Authentication Solution  MarTech Series

Verint Systems Inc., The Customer Engagement Company, announced that VyStar Credit Union has expanded its partnership with Verint to enhance the security ...


Deputies: 2 Middle Georgians arrested, 1 wanted in statewide credit card fraud ring  wgxa.tv

PIKE COUNTY, Ga. -- Pike County deputies say they've arrested two people who allegedly used stolen credit card numbers to buy $10378 worth of merchandise ...


Credit and debit cards have more germs than cash and train station urinals, study says  AZCentral.com

A new study says credit and debit cards are among the dirtiest common items out there – even more dirty than cash and train station urinals.


Carson sheriff seeks credit card thieves  KOLO

RENO, NV (KOLO)-- The Carson City Sheriff's Office asks for the public's help identifying people who stole credit cards out of a vehicle and then used them at ...


Goldman Credit Traders Slip Up in Oil Company's Surprise Bust  Bloomberg

A sudden decision by Weatherford International Plc to pursue bankruptcy wrong-footed Goldman Sachs Group Inc. traders who seemed to have a sure-fire ...


Americans feel good about economy and give Trump credit — CBS News poll  CBS News

In latest CBS News poll, Americans show confidence in stock market but are skeptical of tariffs.


Hutchins Roundup: Credit supply and productivity growth, fiduciary duty, and more  Brookings Institution

Studies in this week's Hutchins Roundup find that cuts to the supply of credit decrease productivity growth, imposing fiduciary duty on financial advisors shifts ...


Man buys $2,300 in Kroger gift cards with stolen credit card, police say  WMC

Memphis Police Department is looking for a man they said stole thousands of dollars on gift cards.


How the New York State Commercial Rehabilitation Tax Credit (NYSHTC) spurred the rebirth of Buffalo development  Buffalo Rising

Buffalo's abundance of historic structures has made it an ideal location to benefit from the New York State Commercial Rehabilitation Tax Credit (NYSHTC).


Man behind bars for illegally using company credit card  MyArkLaMiss

A Shreveport man was arrested after he allegedly used a company credit card for personal benefit.


Millennials had been good at staying out of bad credit card debt. Not anymore  CNBC

Millennials and members of Gen Z who grew up seeing the worst of the financial crash and US recession had been smart about staying away from high interest ...


Pair sought in credit card skimmer fraud case  Asheville Citizen-Times

Asheville Police Department is looking for a man and woman suspected of utilizing credit card skimmers at local gas stations.


CBS Credit Union Manager Pleads Guilty to $40 Million Fraud  Variety

The manager of a credit union for CBS employees pleaded guilty in Los Angeles federal court on Monday to a $40 million embezzlement scheme.


Georgia Tech to offer credit monitoring after data breach affecting 1M+  WSB Atlanta

Georgia Tech is taking steps to help people who may have had their personal information compromised during a data breach.


MPS partners with Educators Credit Union for new program to teach students financial literacy  Milwaukee Independent

Milwaukee Public Schools (MPS) hosted a special celebration at Victory Italian Immersion School on May 8, where its entire class of fifth-grade students had ...


Jury convicts 2 in 2018 robbery of Anchorage credit union  KTUU.com

A jury has convicted two men of robbing an Anchorage credit union.


Naugatuck police seek man who allegedly broke into car, used stolen credit cards  WTNH.com

Naugatuck police need your help to find a man wanted for breaking into a car back in April.


Here's How We Evaluate Credit Suisse Group AG's (VTX:CSGN) Dividend  Yahoo Finance

Could Credit Suisse Group AG (VTX:CSGN) be an attractive dividend share to own for the long haul? Investors are often drawn to strong companies with the ...


Former Credit Suisse Banker Pleads Guilty in Alleged Mozambique Bribery Scheme  The Wall Street Journal

A former banker at Credit Suisse Group became the first person to plead guilty in the U.S. in an alleged bribery and kickback scheme in Mozambique.


Blockchain Credit Union Consortium to Use R3’s Corda for Cross-Border Payments Product  Cointelegraph

CULedger, a blockchain consortium and credit union *service* organization (CUSO), has chosen enterprise software firm R3's Corda blockchain to underpin its ...


India: Credit crunch and growth stress - ANZ  FXStreet

In view of analysts at ANZ, for the Indian economy, the ongoing and widening stress in country's credit markets from banks to non-bank financial compa.


Credit unions play waiting game with anti-money laundering reforms  Credit Union Journal

Credit unions may shoulder less of a compliance burden if proposed legislation reforming anti-money laundering requirements is passed. There are currently ...


Reagor Dykes customer facing huge impacts to credit score after trade-in lien not paid off  EverythingLubbock.com

Lubbock, TX - Since the end of April, the Lubbock County Tax assessor's office has processed 94 tax, titles and licenses for Reagor Dykes customers. It's been a ...


Official says Pakistan to get Saudi oil on credit as of July  Fox Business

A Pakistani official says the much-anticipated Saudi oil will start flowing to Islamabad as of July, with payments deferred for three years.


AngstSpreads Over Credit Fund Dangers  Institutional Investor

Credit products will unleash volatility during the next market downturn, Fitch has warned, and pension funds and insurance companies better brace themselves ...


Progressive advocate: Machine Dems adopting Trumpian tactics to stop tax credit investigation  InsiderNJ

BY JUSTIN GOLDSMAN. In the era of Donald Trump New Jersey should be a progressive beacon to the country, a thriving democracy, where every person's ...


Trading social credit  WORLD News Group

Pro-lifers reset the U.S. abortion debate, while Chinese Communists and the College Board punish disfavored citizens and students. by Marvin Olasky.


Shreveport man arrested for illegal use of company credit card  Shreveport Times

Robert Welborn, 29, was booked into Caddo Correctional Center Wednesday.


Credit Suisse Sees Major Price Risks for Steel Companies, and a Silver Lining  24/7 Wall St.

Credit Suisse sees some serious concerns brewing in the steel industry. The firm downgraded some of its top names, citing lower prices for hot-rolled coil steel.


Ridgewood principal says high school will review policies in wake of extra-credit complaints  NorthJersey.com

Ridgewood High School's principal sent a letter to parents Tuesday, in the midst of an outcry over whether teachers award academic extra credit to students who ...


OnPoint Community Credit Union Announces Winners for the 2019 Prize for Excellence in Education  PRNewswire

PORTLAND, Ore., May 23, 2019 /PRNewswire/ -- OnPoint Community Credit Union has announced its Educator of the Year award winners. Francesca Aultman ...


Murkowski questions need for renewables tax credits  Utility Dive

Phasing out the Production Tax Credit (PTC) and Investment Tax Credit (ITC) for wind and solar generation could lead to "regional disparities" in adopting ...


Subprime Profit-Machine Hiccups: Credit-Card Charge-Offs Rise Across Banking System  WOLF STREET

In the first quarter, the credit-card “charge-off” rate at the 4,650 or so smaller US commercial banks – all banks other than the largest 100 banks – ticked down to ...


Map shows average credit score in every state in 2018  WDIV ClickOnDetroit

A new report details changes in American credit scores since the 2008 recession. Experian released their State of Credit report this week, which looked closely ...


Always Buy Airfare on a Credit Card  Lifehacker

The debt-averse among us may want to put everything on a debit card to be on the safe side—even hefty travel purchases like airfare.


Proposals for Refundable Tax Credits Are Light Years from Tax Policies Enacted in Recent Years  Just Taxes Blog

A new ITEP report examines five big proposals that have been announced this year to create or expand tax credits to address inequality and help low- and ...


AM Best Affirms Credit Ratings for National Lloyds Insurance Company and American Summit Insurance Company  Business Wire

AM Best affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a” of National Lloyds.


Parent Claims New Jersey Teacher Offered Students Extra Credit In Exchange For Money  CBS New York

RIDGEWOOD, N.J. (CBSNewYork) – After a nationwide college admissions scandal rocked some of the country most rich and famous parents, a New Jersey ...


New Software Skims Credit Card Info From Online ...  Dark Reading

The new exploit builds a fake frame around legitimate portions of an online commerce website.


Save on Netflix, Amazon Video, HBO and Spotify with these cord-cutter credit cards  CNET

Apple Card, American Express Blue Cash, Amazon Prime Visa and Uber Visa all offer cash back on streaming. It's basically found money. Here's how you can ...


Child rape, 3 men charged with stealing credit card, going on gift-card spree and a burglary: Lancaster County Police Log, Thursday May 23, 2019  LancasterOnline

ASSAULT. LANCASTER CITY: A student at Phoenix Academy was charged with harassment after he assaulted a staff member, police said. BURGLARY.


Does Trump Deserve Credit on China?  The Atlantic

The president's approach is different than his predecessors'—but that doesn't mean it's working.


New Quinnipiac poll shows Biden leading Dems, Trump not getting credit for the economy  USA TODAY

WASHINGTON — A newly released Quinnipiac University Poll shows that that favorable feelings about the economy aren't helping President Donald Trump's ...


Millennials have the lowest credit scores of any generation, study says  NJ.com

See why this young generation may need time before seeing higher scores.


Ridgewood investigating complaint that $20 fundraiser ticket bought students extra credit  NorthJersey.com

RIDGEWOOD — The Board of Education is investigating an allegation that a high school teacher offered extra credit in exchange for buying tickets to a ...


2 Women, 2 Men Sought In East Bay Car Burglaries, Credit Card Fraud  CBS San Francisco

DANVILLE (CBS SF) — Police in Danville are asking for the public's help in locating four people who are wanted in connection with a vehicle burglary and ...


Unauthorized credit card charges lead to arrest  Asheboro Courier Tribune

ASHEBORO — A woman was arrested after a person notified law enforcement of unauthorized purchases on their credit card.According to a press release, the ...


LA-area man arrested, accused of using stolen credit card for purchases in Santa Barbara  KEYT

A Los Angeles-area man was arrested after he allegedly used a stolen credit card number to make fraudulent online purchases for an exorbitant birthday ...


City of Huntsville maintains highest credit rating  AL.com

The city of Huntsville has again received top scores from two national credit rating agencies, giving the city the financial muscle to borrow about $85 million to ...


Johnson: If Sherman Industries doesn't move west, credit outraged residents  AL.com

Birmingham mayor Randall Woodfin says Sherman Industries will not move to Five Points West, the company, not so much. If the long-time corporate citizen ...


Universal credit hardship 'linked to prostitution'  The Guardian

Benefits reform forcing women to sell sex for cash, food or shelter, MPs' committee told.


Americans feel good about economy and give Trump credit, poll shows  10TV

Most Americans remain confident about the U.S. economy and in their own financial situation, and more now give President Trump's policies credit for a strong ...


To reform the credit card industry, start with credit scores  The Washington Post

Aaron Klein is a fellow in economic studies at the Brookings Institution. Lisa Servon is professor and chair of the City and Regional Planning Department at the ...


Seminar offers tax credit tips  Rocky Mount Telegram

Wednesday, May 22, 2019. Doug Starr remembers the heyday of a downtown Rocky Mount teaming with cars, people and stores. "I worked for Planters National ...


Americans' credit scores jumping in these cities  Fox Business

A credit score is an important metric used by lenders to determine whether a borrower is trustworthy.


Taiwan furious after China attempts to take credit for LGBT marriage win  CNN

Beijing (CNN) Taiwan has lashed out at China's state media for attempting to take credit for the island's historic decision to legalize same-sex marriage.


Did The Princeton Place Killer Take Credit for a Murder He Didn't Commit?  Washington City Paper

In September 2008, Metropolitan Police Department Det. Danny Whalen sat down with one of the District's monsters. A “come-up” order had fluttered through the ...


Proposal to attract more volunteer firefighters and EMS by offering tax credit program  WKOW

MADISON (WKOW) — Smaller communities in Wisconsin have a hard time attracting and retaining volunteer firefighters and other first responders. Lawmakers ...


Soaring Credit Card Interest Rates Could Sink Economy  BeInCrypto

Credit card interest rates are at the highest levels in history, according to recent reports. Can Bitcoin (BTC) break the cycle?


Chesterfield police searching for man who robbed credit union at gunpoint  Richmond.com

Chesterfield County police are searching for a man who robbed a credit union on Monday at gunpoint.


As U.S. debt rises and credit cards delinquencies spike, the signs of a credit crisis grow  Axios

A recent survey of bank officers shows U.S. institutions are tightening their lending standards and raising rates on commercial loans and credit cards.


Couple credits love of chocolate as the secret to their 79-year marriage  Today Show

It's hard to say exactly what keeps two people happily married for decades. But for one couple, their own sweet secret might just boil (or melt) down to chocolate.


Universal Credit loan company fraud claim: Minister intervenes  BBC News

Mum-of-three Alishia Curry says a loan company claimed her Universal Credit payments.


Swalwell racked up credit card debt despite pay increase joining Congress in 2013  Fox News

Rep. Eric Swalwell has accumulated a massive credit card debt, failed to pay off his student loans and cashed out his pension despite earning $174000 a year ...


Credit card debt killing you? Say hello to the 'Rule of Eight'  Star Tribune

At a time when your dreams are just a click away, it has never been easier to run up more debt than you can handle. Those smartphones we all carry were ...


Best credit cards that cover TSA PreCheck and Global Entry fees in 2019  iMore

To combat hectic airports, get yourself a credit that helps you get TSA PreCheck for free!


U.S. Credit-Card Delinquency Rates Rising, Particularly Among the Young  The Wall Street Journal

Credit-card delinquency rates are rising, particularly among young people who are now more likely to have a credit card than a decade ago, according to a ...


Credit card rates are now at their highest level in history and may weigh on the economy  CNBC

It costs more than ever to pay with a credit card. Consumers may be spending less as a result, which could be a drag on economic growth. Americans now pay ...


DO YOU RECOGNIZE HER? Police seek credit card theft, fraud suspect  WECT

The Wilmington Police Department is asking for the public's help in identifying a woman suspected of stealing a credit card and using it to buy nearly $1200 ...


Spark Miles Card Adds Credit For Global Entry Or TSA Pre-Check  One Mile at a Time

The Capital One Spark Miles Card now offers a TSA Pre-Check or Global Entry fee credit every four years, which isn't a benefit many business cards have.


Aaron Boone Deserves Far More Credit for Bringing Yankees to New Heights Amid Injury Disaster  12up

New York Yankees manager Aaron Boone deserves more credit for steering Yankees ship without Aaron Judge, Giancarlo Stanton, Luis Severino, et al.


HELOC: Understanding Home Equity Lines of Credit  NerdWallet

A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity ...


Marin benefits touted in Newsom tax-credit plan  Marin Independent Journal

More Marin households will benefit from Gov. Gavin Newsom's proposal to triple the funding of a tax credit program that primarily works to aid working families ...


How opening a CD can affect your credit  MarketWatch

You take your money and your credit rating seriously. You probably know a thing or two about credit and how it works too. You may think that the savings of your ...


Saginaw man gets 83 to 125 years in prison and no credit for time served  MLive.com

His minimum sentence is 1000 months, or 83.3 years.


China faces possible hit to credit rating if the trade war isn't resolved  CNBC

Should the trade impasse linger on, the damages could become greater and start having some deeper impacts.


Ohio House's latest bipartisan bills address sentencing reform, college credit transfers  cleveland.com

The Ohio House's bipartisan bill blowout continued Tuesday, as Republican and Democratic members jointly unveiled another four “priority” bills on issues from ...


Credit union officer jobless after bashing Wabtec union - News  GoErie.com

An executive of an Erie credit union founded by and for General Electric employees lost his job after bashing “union bullies” and “UE fools” at the Lawrence Park ...


Juvenile charged with using stolen credit card, riding around in stolen car in Wilmington  WDEL 1150AM

Wilmington Police arrested a wanted juvenile who was part of a group trying to use a stolen credit card to make a purchase, and found the juveniles in ...


India’s ride-hailing firm Ola is now in the credit card business, too  TechCrunch

A day after India's largest wallet app Paytm entered the credit card business, local ride-hailing giant Ola is following suit. Ola has inked a deal with state-run SBI ...


A credit card interest cap could actually jeopardize benefits to Americans  The Washington Post

Their proposed 15 percent credit card interest cap might limit consumers' access to credit.


Those credit scores you see may not be what lenders use  CNBC

Several months ago, pharmacy technician Curtis Webb thought his credit score was high enough to help him snag good terms on a mortgage. “It was close to ...


Attn college grads: Do you know what's on your credit report?  Fox Business

While it isn't a sexy graduation topic, it is one that can have a giant impact on your future.


India’s largest mobile wallet company Paytm now offers a credit card  TechCrunch

Paytm, India's largest mobile wallet app, has branched out to several businesses in recent years as threat from Google and Facebook grows. On Tuesday, it ...


Biden Tries to Take Full Credit for Trump's Economic Accomplishments  LifeZette

Former Vice President and 2020 Democratic candidate Joe Biden took full credit on Saturday for the positive United States economy we're currently ...


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