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.

More Articles from Credit Information:
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MORE RESOURCES:

Where to get interest-free loans as the longest-ever government shutdown continues  CNBC

Amid the stalemate in Washington, credit unions and banks are offering accomodations to federal workers. Their best offers include interest-free loans.


This is the average credit card balance for the typical American  Quartz

People in the US hold over $1 trillion in credit card debt. Credit cards are the most essential source of day-to-day financing for millions of Americans. Yet little is ...


3 ways a new credit card can boost your side job  Washington Post

Simplify your taxes and maximize your income with a separate credit card for your side job.


How to Get a Mortgage With Bad Credit  U.S News & World Report Money

Bad credit doesn't have to keep you from buying a home. But you may have a better shot if you apply for a government-backed mortgage, like an FHA loan.


Forge First Gains In December On Credit Card Shorts  Seeking Alpha

Forge First Asset Management is an alternative asset manager offering investment solutions that find a balance between asset protection and capital ...


How to Protect Your Credit Score During the Government Shutdown  U.S. News & World Report

You can survive the government shutdown and limit the damage to your credit score.


Best Business Credit Cards for Accountants  Nav

If you own your own accounting business, you see a lot of numbers every day. Here are some business credit cards with numbers you'll love to look at.


Does ‘Glass’ have an after-credits scene? Audiences surely expect one.  The Washington Post

Before we begin, here's the answer you came for: No. Once “Glass” ends, it ends. There's no post-credits scene. That's it. Donezo. Caput. Finished. That might be ...


3 good reasons your side gig should have a separate credit card  MarketWatch

A separate credit card for business purposes can help simplify things and maximize your income.


Police looking for man who charged $10K to stolen credit cards  ABC27

Police are trying to identify a man who stole credit cards from a YMCA locker and then racked up about $10000 in charges at Apple stores in Lancaster and ...


Here come the defaults: Credit outlook darkens  CNN

Sears, Toys 'R' Us and Gymboree might just be the tip of the iceberg. Financial institutions are bracing for more companies to default on the debt they've piled on ...


The role women play in the success of their billionaire husbands  CNN

Jeff Bezos, the Amazon founder and CEO, and his wife MacKenzie, a lauded novelist and former accountant for Amazon, recently announced their 25-year ...


Scam Alert: Scammers Duplicate Chip-Enabled Credit Cards  www.fox16.com

LITTLE ROCK, Ark. (News release) – Scammers have found a way to duplicate chip-enabled credit cards, despite the extra safety design associated with the ...


For Credit Unions, Government Shutdown Holds Potential for Both Growth and Risk  Morning Consult

The partial government shutdown could benefit at least one sector in the finance industry in the short term: credit unions, which could see a boost in membership ...


Freezing Cold A Good Reminder To Enable A Credit Freeze  WXPR

With the freezing temperatures outside, state consumer officials say another kind of freeze could be helpful to you and keep you from being left out in the cold.


Signet hit with $11M penalty for deceptive credit practices  Retail Dive

New York State Attorney General Letitia James and the Consumer Financial Protection Bureau (a federal office established in 2010 through the post-financial ...


Credit Suisse tells clients to sell into a 5% stock rally it sees coming  CNBC

Reduced corporate profit expectations, tightening financial conditions due to Federal Reserve actions and elevated levels of corporate debt are three of the ...


Credit where its due  247Sports

Clemson's offensive line deserves all the credit for its national title performance vs. Alabama.


Dow Chemical Employees' Credit Union makes record payout to members  Credit Union Journal

The Midland, Mich.-based institution returned $19.4 million to members for 2018 through rewards and dividends.


Police: 2 men charged after items purchased with unauthorized credit card  WJAC Johnstown

Two men are facing charges after police said they used an unauthorized credit card to purchase three generators from a Cambria County store. Police said the ...


North Bay professionals news: Redwood Credit Union, Bregante + Co. and more  North Bay Business Journal

Matt Martin is promoted to senior vice president of community and government relations for Redwood Credit Union. Other North Bay news from Bregante + ...


Cowley County Sheriff searches for suspects in credit card theft  KWCH

The Cowley County Sheriff's Office is asking for the public's help in identifying multiple suspects responsible for using stolen credit cards from a Kansas school ...


Thousands of Marylanders receive student loan debt relief tax credit  WBAL TV Baltimore

More than 9494 Marylanders were eligible for student loan debt relief in 2018 as the state awarded more than $9 million in tax credits, the governor's office ...


Beaumont Children's patient inspires Zeal Credit Union to expand outreach for Children's Miracle Network  Dearborn Press and Guide

In June 2018, Zeal Credit Union made an auction donation of $500 which was matched by the Michigan Credit Union League (MCUL) for a signed and framed a ...


Be Wary of New 'Tricks' for Raising Your Credit Score  Lifehacker

Over the past few months, there have been a handful of announcements from credit companies about new “tricks” consumers will soon be able to use to improve ...


Attorney could keep wolf from the door over credit card debt  Houston Chronicle

Q: Should I hire an attorney if a creditor has sued me for nonpayment of a credit card? What happens if I don't have the money to pay the bill and court fees?


Which Southwest credit card should you open to get the Companion Pass deal  Business Insider

The Southwest Rapid Rewards Priority Credit Card is the clear best choice for most Southwest customers looking to get the Companion Pass deal this month.


Betty Lin-Fisher: Retailer's no-cash policy surprises woman with no credit card  Akron Beacon Journal

A few weeks ago I received a call from a reader with an interesting issue.The 67-year-old Akron resident only uses cash and checks. She has no credit or debit ...


How Do Corporate Credit Cards Work?  U.S. News & World Report

Large, established companies may provide corporate credit cards to employees to charge authorized expenses rather than pay out of pocket.


Fortnite vulnerability could have left millions of credit cards exposed  The Next Web

Just as triumphant reports come in about Fortnite's success, the world's most popular game is forced to contend with stories about security vulnerabilities that ...


Credit union teller ordered to pay back $642,000, sent to prison  lehighvalleylive.com

A Lehigh County credit union employee was ordered Thursday to pay back $642,000 she took from the financial institution where she worked and to spend 30 ...


New tricks for raising your credit score are on their way  CNBC

Two new programs will consider how prospective borrowers manage their cash. Riskier borrowers could see their credit scores rise as a result. Credit card ...


Bank OZK rebounds, emphasizes focus on credit quality  American Banker

A spike in charge-offs in the third quarter stoked concerns about commercial real estate exposure. Shares in the Arkansas company rose after it reported its ...


Suspect captured after robbery at Bristol, VA credit union  WJHL-TV News Channel 11

Police have revealed the identity of the man arrested for a Thursday morning bank robbery.


Action 9 investigates new credit score hurdle for some home buyers, renters | WFTV  WFTV Orlando

Action 9 investigates how credit scores are now used by a condominium board to make renting or even buying a unit almost impossible.


Best Credit Card for Travelers? Probably Not One From an Airline  The New York Times

You've heard the pitch on your flights: Apply for an airline's credit card and get perks like waived bag fees, priority boarding and miles for every dollar you spend.


Banks, credit unions offer help to furloughed federal workers  WPRI 12 Eyewitness News

SMITHFIELD, R.I. (WPRI) — As the government shutdown persists, banks and credit unions are offering assistance to the 800,000 federal employees who are ...


Court rules Ford Credit can repossess vehicles from Reagor-Dykes  KCBD

LUBBOCK, TX (KCBD) - Judge Robert Jones has cleared the way for Ford Motor Credit to take back vehicles sold to Reagor-Dykes Auto Group. In the ruling ...


Police: Suspect Using Stolen Vehicle, Credit Cards  KDRV

Medford Police are seeking a suspect in multiple vehicle break-ins, believed to be using a stolen car and credit cards.


Jewelry Retailer Accused of Opening Fake Store Credit-Card Accounts  Wall Street Journal

Signet Jewelers agreed to pay $11 million in penalties to regulators for allegedly opening credit-card accounts without customer consent at retail stores it ...


3 credit card skimmers found at Santa Cruz gas station  KSBW Monterey

This is the second time in a week the Santa Cruz Police Department is warnig of credit card skimmers.


Google again giving select Pixel 3 and Pixel 3 XL owners free Play Store credit  9to5Google

Last November, Google gave select Pixel 3 and Pixel 3 XL owners free Play Store credits. The company is now running another promotional round to users of ...


9 Tax Credits You Need to Know  Motley Fool

Here are the must-know details behind nine of the most popular tax credits available in the United States.


KBRA Publishes Research: REIT Credit Update: a Deeper Dive on REIT Private Placements  Associated Press

NEW YORK--(BUSINESS WIRE)--Jan 18, 2019--Kroll Bond Rating Agency (KBRA) has issued a new report, “REIT Credit Update: A Deeper Dive on REIT ...


Credit Suisse: 'Sell into this stock rally'  Yahoo Finance

Credit Suisse analysts are telling clients to take advantage of the recent gains in stocks by selling positions instead of building new ones. Credit Suisse analysts ...


Foxconn doesn't meet Wisconsin jobs tax credit benchmark for 2018  WTMJ

Foxconn Technology Group didn't create enough Wisconsin jobs in 2018 to immediately claim state tax credits.


How was your credit card account hacked? You'll probably never know  NJ.com

One couple's quest to learn why their credit card was compromised nine times in seven years.


Former Allentown Federal Credit Union employee gets prison for embezzling  Allentown Morning Call

A former Allentown Federal Credit Union employee was sentenced Thursday to 2 1/2 years in prison for embezzling more than $641000 from customers' ...


How to Improve Credit Score & Other Facts About That Credit Score Number  menshealth.com

We all know this much: it should definitely be higher than our cholesterol, our weight, and, for many of us, our SAT Math scores. But what that credit number ...


West Springfield police seek to ID female suspected of stealing credit cards from Riverdale Street hotel  MassLive.com

Police seek the public's help as they work to identify a female suspected of a larceny from a hotel on Riverdale Street. (West Springfield police / Facebook).


Credit Card Companies Have No Business Playing Second Amendment Censors  American Thinker

Do we want to live in an America where credit card companies watch our buying habits and then block purchases for ideological reasons? Not long ago, the left ...


Suspect arrested in credit card scheme targeting seniors  WOWT

Dallas Baring, 38, is in custody in connection with an investigation of thefts targeting senior citizens.


Weekly Credit Card Update–January 18, 2019 | LowCards.com  LowCards.com

Mastercard Won't Let Companies Automatically Bill You After Free Trials We've all made the mistake of starting a free trial and forgetting to cancel it before the ...


Woman wanted by Fort Payne Police for stealing credit cards, identities  WAAY

Fort Payne Police are asking the public for help in finding a suspect, Brandy Lynn Hairston, who is wanted in connection to thefts and vehicle break-ins. Police ...


2 New Ways To Raise Your Credit Score  Forbes

By Michelle Black, Next Avenue Contributor. Getty. You're probably well aware that your credit score can have a big influence on your financial well-being, ...


All the Tax Credits You Can Take for 2018  Lifehacker

Can you smell it in the air? It's tax season, and we're all trying to get the biggest refund possible. That means taking advantage of tax deductions and credits to ...


Credit union names FF branch manager  The County

The County Federal Credit Union has announced that Janelle Morin has been promoted to branch manager in Fort Fairfield.


Former Arts Council CEO accused of misusing credit cards  KBTX

COLLEGE STATION, Tex. (KBTX)- The Arts Council of the Brazos Valley says its former CEO misused credit cards, and the organization has turned over its ...


Abbeville PD looking for suspects allegedly involved in fraudulent credit card transactions  KLFY

According to Abbeville Police Department, on January 14, 2019, officers began investigating a complaint of fraudulent credit card activity that occurred on ...


Authorities seek identities of 2 in connection with credit card fraud in Brevard County  WKMG News 6 & ClickOrlando

The Brevard County Sheriff's Office is asking for the public's help in identifying two people wanted in connection with credit card fraud.


History on hold: Shutdown stalls National Register nominations, tax credit project review  NewsOK.com

Work in Washington stopped immediately when the National Park *Service* shut down with other government agencies nearly a month ago. There is no one at the ...


Northwest Community Credit Union expands field of membership  Credit Union Journal

Northwest Community Credit Union has enlarged its field of membership. The $55 million-asset institution said on Friday it can now accept new members who ...


Gillette commercial controversy: Give men credit instead of painting masculinity as poison  USA TODAY

The Gillette commercial's problem isn't that it points out male aggression. It's the assumption that other males routinely let them get away with it.


Hackers using fake ‘Flash Player’ Google Chrome extension to steal credit card data  RT

Cybersecurity researchers are warning unsuspecting internet users about a year-old Chrome extension which steals credit card data from infected users via web ...


Failure of MEG takeover deal is 'credit positive' for Husky, says agency  CityNews Calgary

CALGARY — Shares in oilsands producer MEG Energy Corp. continued to slide Friday after a credit rating agency said rival Husky Energy Inc.'s failure to ...


Abilene police need to identify credit card theft suspects  Big Country Homepage

Abilene police need help identifying two suspects accused of credit card theft.


How to score cash, perks in the new credit card rewards loyalty game  Bankrate.com

A sweet sign-on bonus offering cash-back, free travel or rewards points is one of the most compelling methods credit card issuers use to entice new customers.


Aberdeen Income Credit Strategies Fund goes ex-dividend on Monday  Seeking Alpha

Aberdeen Income Credit Strategies Fund (ACP) had declared $0.12/share monthly dividend, in line with previous. Payable Jan. 31; for shareholders of record.


Fitch says PG&E's bankruptcy will not hurt California's credit rating  Yahoo Finance

Fitch Ratings said on Thursday power company PG&E Corp's planned bankruptcy will not at this point hurt the credit quality of California. The credit ratings ...


Seneca ruling won't improve credit ratings for Buffalo, Niagara Falls, Salamanca  Buffalo News

The Jan. 8 arbitration ruling that the Seneca Nation of Indians must resume casino revenue payments to the state won't improve the credit ratings of the cities ...


Kokomo police seek 3 suspects in credit card fraud case  WTHR

Police need your help to find three suspects who are wanted for fraud.


Kyle Larson's 2019 No. 42 Credit One Bank paint scheme  NASCAR

Kyle Larson has a slightly new look on his No. 42 Credit One Bank Chevrolet Camaro ZL1 for the 2019 Monster Energy NASCAR Cup Series season.


Man stole credit cards at Plaza Frontenac Cinema, used them at Walmart  STLtoday.com

ST. LOUIS • A man pleaded guilty in federal court Wednesday to conspiring to steal credit cards at Plaza Frontenac Cinema and using them to purchase ...


How to Prevent Your Credit Card Issuer From Canceling Your Card  Lifehacker

If you've had credit card debt in the past, or you have an older card you don't really use anymore, you've probably read the advice that you shouldn't actually ...


Suspect arrested in case of fradulent credit card use  WCTI12.com

The Pitt County Sheriff's Office has arrested a man in a case of fraudulent use of two people's credit cards. Tyler Redman Norville, 25, of Greenville was arrested ...


Carrizo Plains solar farm’s credit rating drops to ‘junk’ as PG&E bankruptcy looms  The Tribune

S&P Global downgraded the credit rating for Topaz Solar Farm in Carrizo Plains, California, due to PG&E bankruptcy rumors. The SLO County solar farm's ...


Credit Card Skimmer Found in McKinney Gas Pump  NBC 5 Dallas-Fort Worth

Investigators discovered a sophisticated credit card skimming device from a gas pump at a McKinney Valero this week. The skimmer -- which is able to capture ...


This 1 Tip Will Help You Maximize Your Credit Card Rewards  Yahoo Finance UK

It's challenging to get a large number of points or cash back on your credit card year after year. Here's the one tip that will help you consistently earn big credit ...


Man Used Credit Card Stolen In Somerville Burglary: PD  Somerville, MA Patch

Man Used Credit Card Stolen In Burglary: PD - Somerville, MA - Police are seeking information about the person pictured in connection with fraudulent use of a ...


Women Who Had Stolen Credit Card In Lansdale Sought: Police  Montgomeryville, PA Patch

Women Sought In Smash-And-Grab Theft - Montgomeryville-Lansdale, PA - Two women were caught on surveillance trying to use the stolen card at the Weis ...


Credit card skimming device found at gas station in Henry County  11Alive.com WXIA

MCDONOUGH, Ga. — A Valero gas station in McDonough was targeted by credit card skimmers and Henry County Police are asking anyone who might have ...


UK demand for credit cards and mortgages is collapsing as Brits brace themselves for the shock of Brexit  Business Insider

The UK housing market has slowed to its lowest level in nearly a decade as Brexit fears freeze demand for mortgages and credit cards.


Ohio-based Sterling Jewelers to pay $11M settlement over credit practices  NBC4i.com

Officials say some well-known jewelry stores that promote sparkling romance engaged in credit practices that consumers might not love.


Consumer worries his 850 credit score will fall if the Sears credit card closes: Money Matters  cleveland.com

I have a Sears credit card that was opened in 1973. It is the oldest card I have. With Sears potentially going out of business, how will this affect my credit rating?


Search is on for 2 credit card fraud suspects in Eaton County  WLNS

The two are suspected of using a stolen credit card at retail stores in Eaton County.


Grocery store offers credit to federal workers who need a boost  WSAZ-TV

The Warfield IGA is offering $150 per week in credit to people who are feeling the effects of the shutdown.


Northern Michigan credit unions offering help to those impacted by shutdown  UpNorthLive.com

NORTHERN MICHIGAN (WPBN/WGTU) -- Credit unions around Michigan are trying to help those impacted by the government shutdown. At least 25 credit ...


Police seek trio in stolen credit card case  Ottawa Citizen

City police are asking the public to help them identify three suspects who they allege took turns using a stolen credit card before the victim could cancel it.


Can Trump claim credit for $26 billion in savings on prescription drugs?  The Washington Post

“Drug prices declined in 2018, the first time in nearly half a century. During the first 19 months of my Administration, Americans saved $26 Billion on prescription ...


Credit Suisse's Top Five China Stock Picks  Bloomberg

Vincent Chan, head of China equity strategy research at Credit Suisse, talks about the nation's economy and stock market. He speaks with David Ingles and ...


'Photograph 51' asks: Did DNA pioneer Rosalind Franklin get the credit she deserves?  Milwaukee Journal Sentinel

Renaissance Theaterworks performs "Photograph 51," which explores the life of pioneering DNA researcher Rosalind Franklin.


Deputies: Woman turns self in after ordering items using customers' credit cards  WNCT

A woman turned herself in Monday after deputies said she was ordering items for herself using customers' credit cards.


You Need To Know This About Credit Unions  Forbes

Dan Berger, president and CEO of the National Association of Federally-Insured Credit Unions, explains the advantages of a financial institution you may know ...


Does M Night Shyamalan’s ‘Glass’ Have a Post-Credits Scene?  TheWrap

Shyamalan's "Glass" is his first straight-up sequel, so does it tease future low-key superhero stories?


Quick Tip: Erasing credit card debt  WLS-TV

Nearly 2/3 of Americans may never know if or when they will be debt-free, according to a new study from creditcards.com. There are a few things to tackle debt.


Trial set for 'AK 47 Bandit' suspected of robbing local credit union  East Idaho News

IDAHO FALLS — A federal court trial for the Montana man dubbed by authorities as the “AK-47 Bandit” has been set in Lincoln, Nebraska. At a Tuesday court ...


New credit union branch to open on Davison Township Meijer property  MLive.com

DAVISON TWP, MI – A new neighbor will join Meijer later this year in Davison Township. Financial Plus Credit Union is set to break ground in spring 2019 on a ...


Former UB student sentenced for credit card fraud scheme  WIVB.com - News 4

BUFFALO, NY (WIVB) A former University at Buffalo student could have been sent to jail for up to four years, but was sentenced on Tuesday five years ...


Cuomo wants to limit pre-employment credit checks  WKTV

The Democrat's proposal would prevent employers from requiring credit checks of as a hiring requirement. Cuomo announced the measure Tuesday.


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