Credit Information


Credit Information

Are You The Only One Using Your Name?


Identity theft has become an epidemic. Millions and millions of purses and wallets are stolen everyday and many of them are not just taken for the money inside.

What You Need to Know About Credit Reports


You hear people talk about credit reports all the time but do you know what they are really all about? Well, if you have ever been turned down when applying for a credit card or a loan it is high time you learned all about your credit report and how you can get it working for you instead of against you.Let's start off by explaining what your credit report actually is.

Guide to Credit Terms


Listed below is a useful guide to credit card terms. It is a list of definitions of credit card terms that may or may not be familiar to you.

Types of Credit Cards


There are a whole variety of different types of credit cards available which can make choosing the right one a very confusing experience. In order to help you decide, listed below is a useful breakdown of the various types of credit cards available.

Identity Theft - How to Protect Yourself


"Like the tan? I got tons of sun on that Caribbean cruise. First class tickets to Florida and back! Nope, not an airline upgrade.

Credit Card Tips


Here are some useful credit card tips for you to consider before applying for a credit card. Before applying for a credit card, you should decide why you want one, and make sure you can use it wisely.

What is a Credit Card?


A credit card allows you to buy things even though you might not have the money to pay for it right away. The company that gave you the card lets you spend up to an agreed sum and then makes additional money available to you as you pay off what you've spent.

Credit Card Benefits and Drawbacks


Credit cards have both benefits and drawbacks. It is wise to consider both before applying for a credit card.

Student Credit Cards 101


Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over.

Credit Education


Having credit education is like knowing how to read. It will be necessary throughout your life.

Understanding Your Rights Under The Equal Credit Opportunity Act


It wasn't all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control?Despite the fact that they were entering the workforce in record numbers, single women were often required to get a cosigner or denied credit altogether.

All Is Fair In Love, War, and, Your Credit Report - At Least It Should Be! Understanding the FCRA


Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate.

How To Survive In A Plastic World, Qualifying For Credit Card


Let's face it, having credit is no longer a choice. "Don't leave home without it" is more like "can't buy a home without it.

Like It Or Not, You Have A Score To Settle! Part 1


Just when most people finish with school and can stop worrying about test scores, there's a new kind of scoring that enters the picture. It's called credit scoring.

Improving Your Credit Report


Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well.

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MORE RESOURCES:
Man With History Of Making Fake Credit Cards Now Facing Charges Here  KELOLAND TV

KELOLAND Investigates looks into the background of a man accused of making and using fake credit cards in Sioux Falls. We discovered he's done the same ...


Great Tenant, Bad Credit: What Are A Landlord's Options?  Forbes

On paper, your tenant looks great: They have an excellent rental history and sparkling recommendations. Unfortunately, they disclose to you upfront (or admit ...


4 Things I’ve Learned on My Journey to Great Credit  Yahoo Finance

Not everyone with great credit started out that way. Here's my journey from bad credit to great credit, and four valuable things I've learned on the way.


How Should We Be Thinking About Credit Spreads?  Seeking Alpha

What is your time horizon? Credit spreads have been compressing in recent weeks but are materially wider than one year ago. The market may be nearing new ...


Elwyn moving staff to Camden after $39M tax credit  The Delaware County Daily Times

MIDDLETOWN — Elwyn announced it plans to move up to 200 administrative staff to Camden, N.J., after winning $39.6 million in tax credits in exchange for a ...


New credit reporting option could raise your credit score  WKBN.com

For decades, your FICO score was based on payment history with loans and credit cards.


Police searching for pair of credit card thieves  FOX 29

Police are asking for your help to identify two suspects wanted for after allegedly using a stolen credit card. Officials say they were called out to 1002 River Road ...


What to Look for In Your Credit Card's Terms and Conditions  U.S. News & World Report

Most consumers share a dirty little secret: They don't actually read the terms and conditions when they sign up for a new credit product.


How to spot and avoid credit card skimmers  Yahoo Finance

The moment I started seriously worrying about credit card and debit card skimmers wasn't when my entire bank account was transferred to Turkey, or when I had ...


Credit-scoring changes coming in 2019  Big Country Homepage

Get ready for the biggest shift in credit reporting and scoring system in decades.


Cloned credit cards used in hotel room rentals  KOIN.com

Anthony Wingert and Shay Wright-Mack were arrested February 5 near a Troutdale motel, the Multnomah County DA's Office said in a release.


Credit Card Security Breach with North Country Business Partners  WDIO

Four businesses in the Northland may have been affected by a credit or debit card security breach. North Country Business Products announced Tuesday that ...


North Texas Law Enforcement Face Challenges In Catching Credit Card Skimmers  CBS Dallas / Fort Worth

NORTH TEXAS (CBSDFW.COM) – With new technology comes new challenges. Monday night the CBS 11 I-Team showed how gas pumps skimmers are on the ...


Fairwinds Credit Union to acquire Friends Bank in New Smyrna Beach  Orlando Sentinel

Orlando's Fairwinds Credit Union plans to double the number of branches it has in Volusia County by acquiring New Smyrna Beach-based Friends Bank.


Abu Dhabi Oil Giant's Credit Ranked AA as Aramco Seeks Rating  Bloomberg

Abu Dhabi's government-owned oil giant received the region's highest credit rating as Middle Eastern producers, including the world's largest Saudi Aramco, ...


Man robs Flagstaff's One AZ Credit Union Tuesday afternoon, flees the scene  Arizona Daily Sun

The Flagstaff Police Department is requesting help in identifying the suspect who robbed the OneAZ Credit Union on the corner of South Beaver Street and West ...


Suspects sought for stealing purse and credit cards from vehicle  FOX 8 Live WVUE

KENNER (WVUE) - The Kenner Police Dept. is searching for two subjects they say stole a purse and credit card from a vehicle. Police say on Feb. 6 a vehicle ...


Fraud investigation at University of Iowa Community Credit Union branch leads to arrests  KCRG

HIAWATHA, Iowa (KCRG) - Police have arrested two people after a fraud alert from an ATM triggered an investigation in Hiawatha.


Blackhawk Community Credit Union to donate building to HealthNet  Gazettextra

Blackhawk Community Credit Union plans to donate its administrative building on Kennedy Road to HealthNet of Rock County.


Multi-state scheme to steal Home Depot customer credit cards ends in Cincinnati traffic stop  WCPO

CINCINNATI — A routine traffic stop in Cincinnati in 2017 unraveled a nationwide scheme to defraud Home Depot by stealing customer credit card numbers, ...


Bankers: Mega credit unions should give Iowa families the break they deserve  Des Moines Register

Mega credit unions are no longer focused on fulfilling their tax-exempt mission to serve the "little guy."


After merger, Army Aviation Center Federal Credit Union getting new name  Dothan Eagle

After the announcement of a merger with Wiregrass Federal Credit Union last week, Army Aviation Center Federal Credit Union is getting a name change.


Tax Credit Bill for Family Caregivers in Wisconsin Released  U.S. News & World Report

MADISON, Wis. (AP) — A bipartisan proposal backed by AARP would create a $1000 income tax credit for family members in Wisconsin who give care to ...


Instagram’s fundraiser stickers could lure credit card numbers  TechCrunch

Mark Zuckerberg recently revealed that commerce is a huge part of the 2019 road map for Facebook's family of apps. But before people can easily buy things ...


Bye-bye boring credit card rewards — the future is flexible  Bankrate.com

Issuers are beginning to introduce innovative rewards structures as incentives for potential cardholders. Is this the future of the credit card industry?


Enter the ‘Twilight Zone’ as Stock Nightmares Meet Credit Dreams  Bloomberg

By one measure, it's been decades since stock traders were willing to pay so much for the strongest companies out there -- just as credit investors rush to the ...


Top Regional News: US House members push biodiesel tax credit  Galesburg Register-Mail

The following stories are among today's top news of central Illinois. US House members push biodiesel tax credit WASHINGTON — With trade talks with China ...


Credit Union Offers 2 High School Seniors $2500 Scholarships  9&10 News

Attention high school seniors. Here's your chance at landing a scholarship and with it, an opportunity to give back. The Lansing Area Federal Credit Union will ...


Senate OKs post-mine tax credit bill to stimulate business, kills property tax hike bill  The Dominion Post

CHARLESTON — While teachers chanted and delegates killed the education omnibus bill at the east end of the Capitol, the Senate breezed through a handful ...


Fraudsters steal credit card info from dozens across the Tri-Cities  KEPR 19

TRI-CITIES, Wash. -- A group of fraudsters have stolen thousands of dollars from unsuspecting Tri-Cities shoppers. Police say they're looking for them.


Bill to disqualify 85000 seniors from tax credit draws scorn in committee  Sedalia Democrat

JEFFERSON CITY — Low-income seniors who pay rent in Missouri could soon be disqualified from receiving a property tax credit if a bill discussed Tuesday ...


Amarillo Crime Stoppers searching for suspect seen using stolen credit card  KFDA

Amarillo Crime Stoppers are asking for the public's help identifying a suspect who was seen using a stolen credit card.


Univ. of Iowa Credit Union to open at old Toys "R" Us location in Davenport  KWQC-TV6

DAVENPORT, Iowa (KWQC) - The old Toys "R" Us building in Davenport is coming down according to a credit union official. This is at the intersection of ...


Most of us have more credit card debt than emergency savings  New Jersey 101.5 FM Radio

About 74 million Americans, or 29 percent, have more credit card debt than emergency savings — the highest in nine years, according to Bankrate.com.


Credit card skimmers discovered at gas stations around the Big Bend  WTXL ABC 27

(WTXL) - Authorities in several Big Bend counties are investigating after multiple credit card skimmers have been discovered at local gas stations.


Two credit unions to share CEO  Rochester Business Journal

Fairport Federal Credit Union has entered into an agreement with Finger Lakes Federal Credit Union to share President and CEO Bob McFadden. The move ...


BPD searching for woman wanted for credit card fraud, possession of stolen property  KERO 23ABC News

The Bakersfield Police Department is asking for the public's help in identifying a woman they say is wanted for credit card fraud and possession of stolen ...


Mutual Credit Union main branch reopens - The Vicksburg Post  Vicksburg Post

After undergoing extensive renovations, the main branch of Mutual Credit Union, 1604 Cherry St., re-opened it doors Tuesday. The entire space of the building ...


State Police seek to identify credit card fraud suspects  The Dominion Post

MORGANTOWN — The West Virginia State Police Morgantown Detachment is seeking information about two credit card fraud suspects, a man and a woman ...


The Education Exchange: Florida Tax Credit Scholarships Boost College Enrollment - Education Next  EducationNext

A new study finds that students who enroll in private schools through the FTC program are more likely to go to and graduate from college than their public school ...


Big Island man charged on 25 counts of credit card theft  Honolulu Star-Advertiser

Big Island police have charged a 24-year-old Pahoa man in connection with multiple financial crimes. On Feb. 13, officers responded to a business on ...


VIDEO: Amarillo Crime Stoppers searching for suspect seen using stolen credit card  KFDA

Amarillo Crime Stoppers are asking for the public's help identifying a suspect who was seen using a stolen credit card.


Credit card data breach at Dunn Bros. coffee, local restaurants  INFORUM

FARGO — A Minnesota business services company is reporting a data breach for hundreds of restaurants and coffee shops that use its services, and some of ...


Members of local credit union receive phone calls about compromised debit cards  WNEM Saginaw

Several debit card holders in Mid-Michigan are being told to be on the lookout after many of them received concerning phone calls. Several members of a local ...


Strike's end credit positive for Wright State University  Bond Buyer

The end to a 20-day faculty strike is credit positive for Ohio's Wright State University, according to Moody's Investors *Service*. The end of the strike eliminates ...


Credit and Debit Cards Raising Fees on Merchants, Highlights Comparative Advantage of Cryptocurrencies  Dash News

Posted by Justin Szilard | Feb 19, 2019 | News |. Credit and Debit Cards Raising Fees on Merchants, Highlights Comparative Advantage of Cryptocurrencies.


Get ready to pay higher credit card fees  Bangor Daily News

Consumers will need to watch their credit card bills even more closely starting in April, when Visa, Mastercard and others will increase fees.. Maine news, sports ...


New widow wants to establish credit in her own name: Money Matters  cleveland.com

My husband passed in April 2018. Currently, my credit score is good and is in both our names. Our credit files are frozen. I have been using two credit cards in ...


Person of interest in identity fraud, credit card fraud case  FOX 5 Atlanta

Police need help identifying and locating a person of interest in a credit card fraud and identity fraud case.


Irwin joins other towns in granting tax credits for firefighters, EMS  Tribune-Review

Irwin has joined the growing list of municipalities giving active volunteer firefighters and emergency medical services personnel a tax break as an incentive to ...


New affordable home loan program in Columbia offers low down payments for low credit scores  WIS10

COLUMBIA, SC (WIS) - The City of Columbia wants to make it easier for you to become a homeowner. For some people, buying a home may sound like an ...


Corporate Credit Could Be the Next Bubble to Burst  Barron's

Debt Be Not Proud: The danger in the complacency about corporate credit.


Deputies need your help identifying woman accused of spending $40,000 with fraudulent credit card  ABC Action News

The Hillsborough County Sheriff's Office is looking for a woman who is accused of going on a $40000 shopping spree with a fraudulent credit card in multiple ...


Lawmakers want to make film tax credits permanent  Gloucester Daily Times

BOSTON — Supporters of the state's controversial film tax credit program, which doles out tens of millions of dollars worth of credits to movie production studios ...


Vote for 321preps.com Community Credit Union Athlete of the Week for Feb. 11-16  Florida Today

It's time to vote for the Community Credit Union FLORIDA TODAY Athlete of the Week for Feb. 11-16. Vote at 321preps.com or floridatoday.com. You will find the ...


AAA-The Auto Club Group Insurance Provider Credit Rating Affirmed  Business Wire

AAA-The Auto Club Group's (ACG) insurance provider Auto Club Insurance Association (ACIA) has received affirmation of its A- (Excellent) financial str.


Credit Card Merchant Fee Hikes Could Mean Higher Prices for Everyone  Fortune

Credit card companies Visa, Mastercard, and Discover, will raise their processing fees in April, according to the Wall Street Journal. That's likely to mean prices ...


Rep. Alexandria Ocasio-Cortez takes aim at Equifax and credit scoring  The Washington Post

Freshman Rep. Alexandria Ocasio-Cortez (D-N.Y.) took aim at the credit reporting agency Equifax over the weekend, criticizing the company — which disclosed ...


South Euclid council to vote on reducing income tax credit to 0 percent; seek a budget reduction  cleveland.com

South Euclid City Council, at its Committee-of-the-Whole meeting Monday, decided to vote on an ordinance that would reduce the income tax credit now given to ...


North Bay Credit Union takes rare step of opening business accounts for cannabis operators  The Santa Rosa Press Democrat

Across California where recreational marijuana sales became legal Jan. 1, 2018, cannabis enterprises typically remain cash-only businesses unable to access ...


LeBron James gets TOO MUCH credit claims NBA expert as Lakers star set huge playoff goal  Express

LEBRON JAMES needs to enter 'God mode' in order to carry the Los Angeles Lakers into the playoffs this season.


How young people can build their credit  CNBC

Young people shouldn't wait until they graduate college to start building their credit history. Here are some ways that people ages 18 to 22 can start doing that.


China Credit Growth at Record in January Amid Seasonal Surge  Bloomberg

China's credit growth exceeded expectations in January amid a seasonal lending surge at the start of the year.


Alexandria Ocasio-Cortez's War on Credit Scores Is a Big Deal  Truthout

Credit scores: Everyone's got one, even if they don't know it — and these numbers can have a profound impact on the trajectory of your life. Representative ...


9 Reasons Cryptocurrency Is Better Than Credit Cards Today  Dash News

Posted by Joël Valenzuela | Feb 17, 2019 | Opinion |. 9 Reasons Cryptocurrency Is Better Than Credit Cards Today. Recent credit card fee hikes have sparked ...


Rep. Ocasio-Cortez hints at hearing for credit score system  Bankrate.com

Rep. Alexandria Ocasio-Cortez called the credit score system "very broken" in a series of social media posts over the weekend. The New York Democrat said ...


Here's how to save thousands with credits and deductions on your 2018 tax return  CNBC

The tax code has gone through an overhaul since the beginning of 2018, but there are still opportunities to scoop up a few tax breaks that have managed to stick ...


Credit card fraud  WCAX

Two Massachusetts men arrested in Vermont as they tried to pick up a large order of illegally purchased electronics.


Bragg soldier has credit bill paid off  The Fayetteville Observer

A Fort Bragg soldier learned he no longer has holiday debt after being named a winner in a credit card program pay-off sweepstakes last week.Sgt. 1st Class ...


These Bay Area cities have some of the highest credit scores in the country  The Mercury News

Despite one the most expensive housing markets in the nation and a rising cost of living, residents in three Bay Area cities have some of the best median credit ...


Getting and keeping the credit (score) you deserve  WTOP

Your credit can affect everything from everyday shopping to big ticket purchases, from where you live to getting a job or starting your own business. Nina Mitchell ...


Marriott’s new Bonvoy credit card bonus: 100,000 points!  San Francisco Chronicle

TravelSkills has partnered with The Points Guy for our coverage of credit card products and may receive a commission from card issuers. Along with Marriott's ...


'Crooked cupid' accused of stealing credit cards for Valentine's Day gifts  KTRK-TV

Video shows the man purchasing several Valentine's Day gift cards with stolen credit cards.


New Ways to Improve Your Credit Score Coming Soon  ConsumerReports.org

Consumers with thin or subprime credit histories will soon have new ways to improve their credit scores. Experian Boost and UltraFICO could improve your credit ...


4 Steps To Pay Off Credit Card Debt  Forbes

It's no secret that credit card debt is expensive. Don't have a game plan? Here are 4 steps to pay off credit card debt faster. Step 1: Organize your credit cards.


It's Official: Marriott Bonvoy Credit Cards Are Now Live With 100K Point Offers  Forbes

Forbes has partnered with The Points Guy for our coverage of credit card products. Forbes and The Points Guy may receive a commission from card issuers.


7 ways to ensure IT gets the credit it deserves  CIO

Often ignored, overlooked or even snubbed, IT needs to claim its rightful place in the enterprise spotlight. Here's the steps you can take to raise IT's profile and ...


Man Robs Mission Federal Credit Union In Scripps Ranch -  KUSI

SAN DIEGO (KUSI) – A man robbed a Scripps Ranch credit union branch and escaped before police could arrive, an officer said today. The suspect showed up ...


General Dynamics downgraded by Credit Suisse: 2019 forecast is 'well behind defense peers'  CNBC

Credit Suisse downgraded General Dynamics stock to neutral from outperform on Friday, saying the company is "well behind defense peers" in projected growth ...


The top 5 US cities with the best—and worst—credit scores  CNBC

A credit score is an important measure of financial health and can signify your trustworthiness to institutions. To find which places have the best and worst scores ...


Opening date set for new downtown Flint credit union  MLive.com

FLINT, MI -- The date has been set for a new credit union opening in downtown Flint. ELGA Credit Union posted a message on its Facebook page noting a grand ...


Man escapes after 4th local credit union robbery in past month  fox5sandiego.com

A man escaped after robbing a local credit union Saturday, marking at least the fourth time a credit union in the county had been robbed in the past several ...


What's the Average U.S. Credit Card Debt by Income and Age in 2019?  TheStreet.com

Credit card debt is high and getting higher, as Americans are growing more lax about accumulating credit card debt. According to data from CreditDonkey.com, ...


Survey: 3 in 10 Americans have more credit card debt than emergency savings  Bankrate.com

A new Bankrate survey of 1004 adults finds that only 44 percent of households have more money in emergency savings than the amount they owe in credit card ...


Credit Suisse Has Rich People’s Problems in Markets  Wall Street Journal

The end of restructuring normally sets the stage for chief executives to proclaim glories to come. At Credit Suisse, the promise of a bright future is tainted by its ...


Flybmi tells customers to seek refunds from credit card companies  The Guardian

Flybmi is advising customers to seek refunds from credit and debit card companies or rebook with other airlines after the company collapsed late on Saturday, ...


Billing credit for those who missed 2 or more trash pickups  KOMO News

Seattle Public Utilities will provide a $10 billing credit to residential customers who had two or more missed garbage collections from the recent weather,Mayor ...


View from The Hill: Minister who watches the nation's credit card overlooks his own  The Conversation AU

It's reasonable to take Cormann at his word about missing that the change hadn't been processed. Even accepting this, however, the affair looks bad for ...


Bischoff's Ice Cream, at 85, says yes to credit cards  NorthJersey.com

The fourth-generation owners marked the milestone by rolling out new ice cream flavors — and finally accepting credit cards.


3 in 10 Americans have more credit card debt than emergency savings, a new survey says  Milwaukee Journal Sentinel

Less than half of households — 44 percent — have more emergency savings than credit card debt, the survey said.


Goldman Sachs and Citi Make $20 Million Venture Bet That Private Equity Wants Consumers’ Credit Card Info  Fortune

Goldman Sachs and Citi are investing in Second Measure, a company sorting credit card information via geography, price per customer, and more.


The benefits of better credit-risk models will be spread unevenly  The Economist

IN “PLAYER PIANO”, a novel by Kurt Vonnegut, society is divided into a workless majority and an elite who tend all-powerful machines. A character tells how her ...


Student group says rising CMS grad rates mask grim future for many black graduates  Durham Herald Sun

Charlotte Mecklenburg Schools online credit recovery program helps students graduate with a GPA too low for college admission, speakers from Students For ...


COPOCO Credit Union working to resolve denied transaction issue on debit cards  WNEM Saginaw

COPOCO Community Credit said it is working on resolving an issue with its Mastercard debit cards.


Your Illinois News Radar » Illinois Credit Unions: People Helping People  The Capitol Fax Blog

Tuesday, Feb 19, 2019. [The following is a paid advertisement.] EarthMover Credit Union has created a unique charity program, EarthGivers, which raises ...


Credit card skimmer found at ATM in Martinsville, investigators looking for suspect  WSET

HENRY Co., Va. (WSET) -- The Henry County Sheriff's Office said after they got multiple reports of credit and debit card fraud, they found an external card ...


It’s official: 80/20 limit on tip credit won't be enforced  Restaurant Business Online

The U.S. Department of Labor officially killed the 80/20 rule for determining when restaurants can count servers' tips as part of their.


Happy Death Day 2U’s after credits scene teases future of the franchise  Polygon

Happy Death Day 2U features the kind of after-credit scene you're more likely to see in a Marvel flick than a horror sequel. I don't think we have to warn you of ...


Mathias Cormann, the minister who watches the nation's credit card, overlooks his own  ABC News

Even if we give Mathias Cormann the benefit of the doubt over the airfare affair, it smacks of cosiness and cronyism — a politician using his connections to ...


Credit card skimmer discovered in Jefferson County | News  WTXL ABC 27

JEFFERSON COUNTY, Fla. (WTXL) - Authorities are investigating after a credit card skimmer was found at a gas station in Jefferson County.


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