Credit Information


Credit Information

The Easy Way To Gain Access To Your Free Online Credit Report


When you apply for credit, those lending you the money want to know if you are going to pay them back. One way they decide if you are a good risk is to see how you've dealt with other people's money.

Good Credit is King, When Qualifying for Mortgage Programs


If you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan.

14 Common Credit Mistakes


Establishing credit and wisely managing your credit becomes easier when you know how. You'll feel empowered by taking knowledgeable steps towards good credit, and you'll be on your way to purchasing real estate and greater financial freedom.

10 Step Credit Repair Guide


The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies.

New Credit Advice: Dont Pay off Those Credit Cards!


Credit needed for real estate mortgage financing differs from credit needed for consumer loans. If you need help getting a home mortgage, these credit tips will help you.

How to Get Credit Reporting Agencies to Help You


The process of clearing credit can be laborious and frustrating. Understanding your rights empowers you and saves you time and effort.

Credit Repair Companies and Credit Counseling


Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.

Credit Help for Real Estate Financing: Credit Scores


When you buy real estate, lenders run all of the "big three" credit bureau reports. Each credit reporting agency lists your credit history as supplied to them by the individual lenders and includes governmental records.

Credit Help for Real Estate Financing: Five Categories of Your Credit Score


1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.

Dont Fall for Credit Repair Scams


We've all seen the ads on television or in magazines, shouting, "Erase bad debt!" or "Remove negative entries from your credit report!" If you're a person suffering from a less-than-stellar credit rating, those headlines may seem like the answer to a prayer.The only problems is, those programs don't work, and to add insult to injury, you'll find yourself paying hefty fees to those companies, only to end up right where you started, or worse.

Special Credit Information for Married Couples


If you are married, establish separate credit accounts.Try to finance real estate in just one partner's name to increase your investment financing potential.

Give Yourself Credit


The Beginning of the Credit Card EraIn 1951, Diners Club issued the first credit card to 200 customers who could use it at 27 restaurants in New York City. From that modest beginning, credit cards have become an indispensable part of modern life.

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


Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring)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.

Get Your Credit Score To Soar In The Twinkling of An Eye


Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.

Some Truth About Credit


Credit is currently and has been historically an integral component of our economy. Credit contribute a person's net worth, and financial power.

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MORE RESOURCES:
5 ways bad credit can keep you from being a functional adult  USA TODAY

Having bad credit won't just cramp your spending style – it might prevent you from getting a good mortgage or auto loan rate or even an apartment.


Parents are giving their 8-year-olds credit cards  MarketWatch

Parents give their kids a lot of credit. Nearly one in 10 parents (8%) with kids under 18 say that at least one of those children has a credit card, according to a ...


UK unlikely to leave the EU without a deal, Credit Suisse says  CNBC

The possibility of the United Kingdom leaving the European Union without a deal in place can be ruled out, according to a senior Credit Suisse banker.


It's 'show time' for Apple: News, video streaming and credit card with Goldman Sachs  ABC News

So this is what Tim Cook does with $1 billion. That's the amount that Apple has invested in developing its entertainment division, including original programming ...


I paid off my mortgage early with a credit card and earned thousands of points — here’s how I made it work for me  Bankrate.com

My husband and I earned around $2000 in credit card rewards by paying off our mortgage early with one simple tool few people even know about. And we did it ...


The Credit-Card Kingmaker  The Wall Street Journal

Not so long ago, Brian Kelly was an HR employee. Now as founder and CEO of The Points Guy, a website that reviews rewards cards, he is one of the most ...


Brazil overtakes China in consumer sentiment, according to Credit Suisse survey  CNBC

Brazil has overtaken China in terms of consumer sentiment, as the world's second-largest economy slows and spending intention on big ticket items decline, ...


Trump is again criticizing the Fed. Could that hurt the U.S. credit rating?  Washington Post

On Thursday, President Trump once again criticized the chair of the Federal Reserve, Jerome H. Powell, blaming the central bank for the U.S. economy's ...


States Push For Caregiver Tax Credits  Kaiser Health News

Families often spend thousands of dollars caring for ailing loved ones at home. Lawmakers in California and at least seven other states want to provide some ...


Asia is resilient and can bounce back in the face of challenges, says Credit Suisse regional CEO  CNBC

The Asia Pacific CEO of Credit Suisse, Helman Sitohang, tells CNBC why he is bullish on the region's growth.


How I Built $500 in Credit to $500,000  Entrepreneur

I was raised to believe that debt was bad. If you needed a car, you paid cash. Same went for groceries and clothing and most other things. You paid with paper ...


Trump Is Trying To Remove Oversight Of College Outsourcing, Credit Hours  Forbes

President Trump, through his Education Secretary Betsy DeVos, is proposed a series of changes to what colleges and their accreditors can do including ...


We Energies stops reporting to credit bureaus, impacting some customers’ credit scores  WITI FOX 6 Milwaukee

MILWAUKEE -- A recent decision by a major utility company is having unintended consequences for some customers. Lynn Crump is an aspiring business ...


How's your credit card balance? In Louisville, it's likely to be high  Louisville Business First

Louisville residents make the top 10 when it comes to using the biggest portion of their credit cards' available credit.


MOVES-Muzinich hires GAM's Kubli for new structured credit role  Reuters

LONDON, March 25 (IFR) - Muzinich & Co has hired ABS investor Laurence Kubli from GAM Investments. She joins in a newly-created role as structured credit ...


Canada plans its first nationwide EV tax credit  Green Car Reports

Just as President Trump is threatening to eliminate the plug-in vehicle tax credit in the U.S. through his latest budget proposal, Canada is planning to implement ...


5 Reasons You Should Pay With Credit Cards  Fox Business

Image source: Getty Images. Wise credit card usage requires discipline and planning, and slipping up can lead to fees, hits to your credit score, and ...


Credit Suisse double revises its S&P target  Axios

Wall Street dialed back its bullish S&P targets after 2018's end-of-year selloff. Now a few analysts are starting to ratchet their targets back up. What's happening: ...


My Turn: Tax credit program is vital to my son's education, well-being  Concord Monitor

I am a divorced mother of an 8-year-old boy with special needs. My son, who is in the second grade this year, has been fortunate enough to be awarded a ...


Prime members get $10 of Amazon credit with their pre-order of Pokémon Sword or Shield  iMore

Just last month, Pokémon Sword and Shield were unveiled to the world — the first new generation games to reach the Nintendo Switch console. Though there ...


The precarious, often predatory, world of credit in antebellum Virginia  William & Mary News

Amanda Gibson is compiling evidence that traces today's predatory financial practices to economic victimization of free and enslaved African Americans in the ...


Market Is Back in 'Buy on Dips,' Says Credit Suisse's Porter  Bloomberg

William Porter, head of European credit strategy at Credit Suisse Securities, discusses what the U.S. credit market is saying about the yield curve, Fed policy, ...


Nussle: Living Up to Our Credit Union Difference | 2019-03-24  CUNA News

The credit union movement must consider the role they play in ensuring a harassment-free environment within the credit union movement, CUNA President/CEO ...


Youth social credit app – Confucian dream or Orwellian nightmare?  South China Morning Post

People with good scores can enjoy training and employment perks, and rewards can be expanded to flat rentals, overseas education, dating and even marriage.


Lompoc book store gives kids store credit for good grades  KEYT

Books stores are becoming extinct. But one of the last standing book stores in Lompoc is holding on strong and rewarding kids who get good grades.


3 Tax Credits Middle-Class Households Should Know About  The Motley Fool

Being middle-class in America often means getting stuck in a financial rut. You're not earning enough to really get ahead, but you're not entitled to some of the ...


The 10 cities where American families have the most credit card debt  CNBC

In 2018, total credit card debt in the U.S. reached a high of more than $1 trillion, according to data from the Federal Reserve. As of 2019, individual households ...


Masked robber flees on foot from Bettendorf credit union  WQAD Moline

A man with a handgun attempted to rob the IH Mississipi Valley Credit Union on March 23.


Farm Credit Mid-America to distribute $146 million in Patronage program  New Philadelphia Times Reporter

NEW PHILADELPHIA Farm Credit Mid-America, which has a local office in Sugarcreek, is returning $146 million to eligible customers as part of its Patronage ...


Consumers in what Phoenix-area cities have highest credit-card debt? And see who's paying it down.  AZCentral

Credit card debt in the U.S. hit a $1.03 trillion high in 2019, according to WalletHub. See how metro Phoenix's use of plastic fits into the mix.


Are credit unions ready for the 'fourth industrial revolution'?  Credit Union Journal

Institutions that fail to embrace AI, machine learning and data analytics could quickly find themselves losing ground to competitors.


Ball State Federal Credit Union Brings Lunch to Campus Police Dept  Muncie Journal

Muncie, Indiana – Ball State Federal Credit Union, a full *service* financial institution with a main office, student center branch, and ATM locations to serve ...


What do people in China think about ‘social credit’ monitoring?  Washington Post

China's emerging “social credit” system has prompted discussion about whether this is an Orwellian dystopia, a chapter in Aldous Huxely's “Brave New World” or ...


Watch Credit Markets This Coming Week  Seeking Alpha

Of the 11 S&P 500 sectors, Financials are the most oversold after last week, and Treasuries and interest-rate sensitive sectors are overbought. But watch how cr.


70% of Americans with credit card debt admit they can't pay it off this year  CNBC

Only about 30 percent of Americans with credit card debt believe they'll be able to pay it off this year, according to a new survey by the real estate site Clever.


Law and Order: State Street woman accused of using stolen credit cards around Batavia  The Batavian

Amanda Marie Bowles, 33, of State Street, Batavia, is charged with: second-degree forgery -- four counts; first-degree identity theft -- four counts; criminal ...


Hot Rally Raises Questions of What's Really Cooking in Credit  Bloomberg

A funny thing happened in the debt market this week. A $3.2 billion loan deal once chastised as “the worst ever” in terms of investor protections drew $9 billion ...


SC group spreads word about earned income tax credit  SCNow

FLORENCE, S.C. – A new organization in South Carolina has made a mission out of making sure that those who are eligible take advantage of the earned ...


NJCDC in Paterson getting $300k through state tax credit program  NorthJersey.com

PATERSON – A city nonprofit organization is getting $300,000 through the state's Neighborhood Revitalization Tax Credit (NRTC) program, funds that the group ...


Lenders are quietly lowering FICO credit score requirements for mortgages  Bankrate.com

Getting approved for a mortgage is becoming easier as some lenders are loosening their FICO score requirements and raising the ceiling on debt-to-income ...


Opinion: Don't extend electric vehicle tax credit  The Detroit News

The federal government has for several years provided incentives for the production of electric vehicles. The largest incentive is the tax credit for the purchase or ...


Credit Suisse Boosts Thiam's Pay 30% After Flip to Profit  Bloomberg

Credit Suisse Group AG boosted Chief Executive Officer Tidjane Thiam's compensation by about 30 percent even as the stock slumped, a move that risks ...


Luke Bryan coming to the MidFlorida Credit Union Amphitheatre in Tampa  Tampa Bay Times

The country superstar joins Live Nation's 2019 Country Megaticket, though you'll have to wait to buy a single ticket for the show.


Apple And Goldman Sachs Are Launching A New Credit Card. Here Is What We Know  Forbes

Apple and Goldman Sachs are teaming up to launch a new consumer credit card. The move, expected to take place later this spring or early summer is their ...


Brevard to re-examine active contract with Penn Credit after indictment  Florida Today

Brevard County has a contract with the debt collection firm Penn Credit Corp., which last week was indicted in Illinois, along with its owner, on bribery charges.


Rashida Tlaib bill would make it easier for people like me to pay for car insurance  Detroit Free Press

My credit score is a mystery to me. It is inexplicably bad, even though the overwhelming majority of things I am obligated to pay — rent, bills, auto insurance ...


The 3 biggest mistakes people make around credit card points  CNBC

When it comes to points, earning them "is really easy," says points expert, Brian Kelly, but, "spending them — this is where it gets tricky."


Kohler Credit Union donates homes to local fire department for training | Briefs  The Sheboygan Press

Kohler Credit Union has donated two homes to the Town of Sheboygan Fire Department for training opportunities. The credit union also invited Habitat for ...


HPD searching for person of interest in credit card fraud case  WDAM

HATTIESBURG, MS (WDAM) - The Hattiesburg Police Department is asking for the public's help in finding a person of interest in an ongoing credit card fraud ...


College of Eastern Idaho to bump dual credit classes by $10 per credit for fall 2019  East Idaho News

IDAHO FALLS — The College of Eastern Idaho board of trustees recently voted to increase the cost of a high school dual credits from $65 to $75 starting fall ...


The Fed is prodding Americans to buy more on credit  Reuters

The Federal Reserve's decisive statement this week that interest rates are unlikely to rise this year sends a signal to U.S. households: keep buying stuff.


Earl Warren Showgrounds Turns to Line of Credit to Cover Operating Costs  Noozhawk

Facing fierce financial headwinds, Earl Warren Showgrounds recently had to take out a line of credit to cover payroll and operating costs through the month of ...


Delta is running a last-minute deal on its credit cards — their bonuses are worth double the normal amount  New Haven Register

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a ...


AP fact check: Trump takes credit for law named after McCain  PBS NewsHour

The president routinely takes full credit for the Veterans Choice Program, which was expanded last year but first signed into law in 2014.


Does Jordan Peele’s ‘Us’ Have a Post-Credits Scene?  TheWrap

Peele's new horror flick "Us" is quite a mindbender, so you might be wondering if it's got any bonus bits after the credits to help you break it down.


Morning Press: Walmart closure; Utility bill credit; teens in middle school disturbance  The Columbian

In case you missed them, here are some of the top stories of the week:


5 Places It's More Dangerous To Pay With A Debit Vs. Credit Card  HuffPost

Making purchases on your debit card might seem like the responsible thing to do. After all, credit cards make it easier to spend more money than you actually ...


'Hellboy' Star David Harbour Takes Artist Credit Matter Into His Own Hands  Comicbook.com

Ahead of the Hellboy relese next month, there's been a bit of controversy surrounding proper crediting of the creators behind the source material the movie ...


Credit card skimmers reported in Galesburg have impacted dozens, pulled more than $18,000  WQAD Moline

Dozens of people in Galesburg were the victims of fraudulent charges because of credit card skimmers that took their information.


The U.S. should get more credit for ending slavery ‘within 150 years,’ Fox panelist says  The Washington Post

"The truth is, throughout human history, slavery has existed, and America came along as the first country to end it within 150 years," contributor Katie Pavlich said ...


Felony shopping spree: Women charged with credit card fraud  WJTV

The Oxford Police Department took a credit card fraud report from a victim at Belles and Beaus on August 2, 2018.


Quick tips to repair your garbage credit score  NEWSREP

We're all professionals and adults. We're aware of our credit scores and understand how they are key to our financial plight or success. We realize that.


UNC's Luke Maye gives Coach Roy Williams credit-but just a little  Charlotte Observer

UNC's Luke Maye tells reporters that coach Roy Williams fired up the Tar Heels at halftime with his speech about playing better defense in their NCAA ...


Man charged in robbery 'decided to try something new today, so I robbed a bank'  Appleton Post Crescent

APPLETON - A 19-year-old man arrested in connection with the Friday robbery of Community First Credit Union on West Spencer Street told police he "decided ...


Analysis | Klobuchar cites bad data to claim credit for reducing black incarceration  The Washington Post

Sen. Amy Klobuchar (D-Minn.) claimed the incarceration rate for African Americans dropped 65 percent when she was a prosecutor. But that's because of a ...


5 small mistakes that can hurt your credit score  WATE 6 On Your Side

KNOXVILLE, Tenn. (WATE) - The next time you check your credit score, you might discover it has taken a tumble because of a seemingly small mishap on your ...


The Points Guy: Stop making these 3 mistakes if you want to maximize credit card points  CNBC

Earning points "is really easy," says the Points Guy, Brian Kelly, who built a business around maximizing credit card points. But "spending them — this is where it ...


When the U.S. falls into a recession, a credit bubble will explode  MarketWatch

The European Central Bank this month said it would keep record-low interest rates for longer. The news comes shortly after the U.S. Federal Reserve gave in to ...


Suspect sought in credit card thefts  WVVA TV

(WVVA) Police in Bluefield, Virginia are asking for the public's help in identifiying a suspect wanted on multiple felony charges.


'This Is Us' star Chrissy Metz on her worst credit card fail, why she shops at Costco and her Warren Buffett mindset  CNBC

Chrissy Metz went from being broke with 81 cents in her bank account one minute, to starring in NBC mega-hit "This Is Us" practically the next. Today, the ...


Zack Snyder's Original 'Justice League' Plans, Deleted Post-Credit Scene Revealed  Comicbook.com

Many fans are still wondering what actually happened with Justice League and the future of the DC Comics movies that never panned out. After Batman v ...


The Surprising Reason You Should Cut Your Rewards Card Into Tiny Pieces  Forbes

If you're looking for a reason to cut your up your rewards card, talk to Patricia Newman. She contacted me after signing up for a United MileagePlus credit card, ...


These Loans Aim to Help Borrowers Build a Credit History  The New York Times

Two financial tech start-ups are offering credit-builder loans, which also help customers grow their savings.


Credit Suisse raises S&P 500 forecast, sees 20% gain for 2019  CNBC

Underneath the stock market's epic rebound has been a "more favorable" trend that Credit Suisse says will drive the market higher. The bank dialed up its ...


Credit card fraud shuts down bail option in Champaign County  Champaign/Urbana News-Gazette

URBANA — About 10 people have been released from the Champaign County Jail since the first of the year after having posted bail using stolen credit card ...


Apple and Goldman Sachs Co-Branded Credit Card  iMore

Apple is said to be partnering with Goldman Sachs on a consumer credit card in an effort to bolster its services income.


Westminster man arrested after allegedly stealing credit card, charging more than $2,700  Carroll County Times

Brian Scott Johnson, of Westminster, was charged with 39 counts after allegedly making more than $2700 worth of purchases with a stolen credit card.


Cuomo backs axing $420M film tax credit to fix budget discrepancy  New York Post

There's $3 billion dollar funding gap between Cuomo's $175 billion new budget proposal and the Senate's spending plan.


New study highlights just how bad Americans are with credit cards  Yahoo Finance

A new study highlights how Americans manage credit cards and just how stressful credit debt can be.


Big Religion May Have Gotten Too Much Credit for the Evolution of Modern Society  Scientific American

Scientific American is the essential guide to the most awe-inspiring advances in science and technology, explaining how they change our understanding of the ...


Credit Bank of Moscow successfully issued its second $500mn Eurobond this year  bne IntelliNews

Leading Russian commercial bank Credit Bank of Moscow (CBOM) successfully issued its second $500mn Eurobond this year on March 22, the bank said in a .


North Huntingdon OKs fire tax credit deal with Irwin, but with a hitch  Tarentum Valley News Dispatch

North Huntingdon residents already volunteering with Irwin's fire department or emergency medical *service* will get a tax break similar to one proposed for Irwin ...


MyEquifax.com Bypasses Credit Freeze PIN  Krebs on Security

Most people who have frozen their credit files with Equifax have been issued a numeric Personal Identification Number (PIN) which is supposed to be required ...


Standard & Poor's raises Croatia's credit rating  Emerging Europe

For the first time in six years, ratings firm Standard & Poor's has raised Croatia rating to BBB-/A-3. The upgrade reflects Croatia's improving fiscal metrics, ...


Facebook moves to stop discrimination in housing, employment and credit ads  NBC News

Facebook will create the portal as part of a settlement with civil rights organizations and labor groups that had accused the company of enabling discrimination.


Showdown looms over school scholarship tax credit | Capitol View  Minnesota Public Radio News

Republicans said they want Gov. Tim Walz to be open-minded when it comes to tax credits for private scholarship donors. The DFL governor says the proposal ...


These moves can tank your credit score  CNBC

Experts warn that other moves you make can drag down your score.


'Gutsy' Lance Stroll will get credit he deserves - Racing Point  autosport.com

Racing Point team principal Otmar Szafnauer says new signing Lance Stroll is a "gutsy racer" who will eventually get due credit for his Formula 1 performances.


Credit Card Fraud Is Down, But Account Fraud That Directly Hurts Consumers Remains High  Forbes

EMV chips have reduced POS card fraud as expected but fraudsters are moving into new areas such as opening new accounts in a stranger's name, taking over ...


Monitoring your credit report and score: What to know  WATE 6 On Your Side

KNOXVILLE, Tenn. (WATE) - If you have a credit card or have ever taken out a loan, then your credit history is part of a credit report. Do you know what's in that ...


$5K of merchandise bought with stolen credit card in Newport News traced to Russian city  WAVY-TV

A credit card reported stolen in Newport News was used to buy more than $5500 worth of merchandise at a local Best Buy, which police say has been traced to ...


IBM Cuts Credit Unions Deal For Blockchain Services In $1.7 Trillion Industry  Forbes

IBM and Denver-based credit union *service* organization CULedger, have struck a collaboration deal by which new blockchain-based services will be pioneered ...


Clark Public Utility customers to get credit on April bill  The Columbian

Clark Public Utilities customers will see a credit on their April bill after the utility board approved a $10 million credit from 2018 surplus funds.


Former credit union vice president accused of stealing $350,000 pleads guilty  WLOX

JACKSON COUNTY, MS (WLOX) - A former vice president of Singing River Federal Credit Union is accused of stealing more than $350,000 from the credit ...


Racing Point says "gutsy" Stroll will earn credit he deserves  Motorsport.com

Racing Point team principal Otmar Szafnauer says new signing Lance Stroll is a 'gutsy racer' who will get due credit for his Formula 1 performances eventually.


Tlaib introduces bill to make auto insurance use of credit data illegal  Detroit Metro Times

U.S. Rep. Rashida Tlaib introduced legislation that would make it illegal for auto insurance companies to use consumers' credit scores in calculating insurance ...


Police arrest suspect accused of robbing Gautier credit union last month  WLOX

A man accused of robbing Navigator Credit Union in Gautier a month ago has been caught and is suspected of robbing at least two other banks in the ...


How Equifax Complicates a Simple Task: Freezing a Child’s Credit  The New York Times

A number of Your Money readers took Ron Lieber's advice to freeze their children's credit. Equifax's process didn't always work. Please keep trying.


Maryland’s Pioneering Energy Storage Income Tax Credit Turns 2  Greentech Media News

Given the program's constraints, Maryland officials said they've been pleased with the results of the storage tax credit so far.


Tlaib bill would prohibit use of credit scores to set car insurance rates  The Detroit News

Washington — New legislation introduced in Congress by freshman Rep. Rashida Tlaib would block insurers from factoring in a consumer's credit history when ...


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