Credit Information


Credit Information

Top 7 Factors to Consider While Reviewing Credit Card Offers


Credit cards have migrated from being hip or convenience product into a must have entity for everybody. Shopping Online you need a credit card.

Making Sense of the Information in Your Credit Report


If you've ever applied for a credit card or loan, you've probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you.

Your Credit Card May Be Costing More Than You Think!


Do you know what your credit card is truly costing you? Many people assume that they do, but aren't familiar with the hidden fees that many credit card companies are charging. In fact, if you don't keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year-without ever really knowing it!And if you're trying to budget your money, those hidden fees can add up!Let's take a look at some of the most common credit card fees, and then talk about how you can avoid them.

Dont Trade Your Future for Todays DooDads


"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and We Can Finance It for You," & "Spend Today, 0% APR until Next Year!" We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do.

How Does a Creditor Determine Whether to Grant You Credit?


Credit 101How does a creditor determine whether to grant you credit? For many years, creditors have been using credit scores and credit scoring systems to determine if you'd be a good risk for a loan or credit card. More recently, credit scores have been used to help determine what rates you pay for insurance.

Different Ways to Borrow Money


There are many different ways to borrow money. Outlined below is a useful guide to some of most common ways of borrowing money.

Figuring Out the Ever Nebulous Numbers Called Credit Scores


Credit Score FactorsThe information contained on our credit reports affect every aspect of our lives; including employment, insurance, and even interest rates (mortgage, credit cards, automobiles, etc.).

Free Credit Reports - How to Maintain Your Credit Profile


Maintaining your Credit ProfileEvery consumer should be maintaining their credit profiles to ensure the highest scores possible. To do so, you must first order your credit reports from the three major credit bureaus: Equifax, Trans Union, and Experian.

Inflexible Friends and Plastic Assets, Why Money isn't Buying Love Anymore


Consumers reject financial advice in favour of financial frivolityIt would appear that even though their "friends" aren't as flexible as they used to be, consumers are still stretching their credit cards beyond the comfort zone.The vicious circle of debt manipulation involving banks, consumers and commercial credit companies is putting consumer spending under strain, as funds begin to dry up.

Credit Suicide


Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups".

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?


About Search Entries:Every time a lender checks your credit history from your credit file (i.e.

Credit Reports - Why Your Credit Score is Important


If you have never heard of a FICO score before, you should become familiar with the term. Named for the firm that invented it, Fair Isaac Corp.

The Things That UK Lenders Like to See on Your Credit File, (and? What They Don't Like to See!)


Lenders are quite fussy about what they like to see on your credit report. So much so that you will have a hard time to meet their high expectations.

Credit Repair: How To Deal With Your Creditors


If you are in danger of credit problems because you have more debts than you can handle, there are things you can do at least keep your creditors reasonably happy.First, prioritize your debts or rank them in terms of the ones that can give you the most trouble the quickest.

What Does Your Credit Score Tell You?


When you apply for a loan or a mortgage, the first thing the lender does is to check your credit score. Based on your credit score, the lender decides the amount of finance you are eligible for and the interest rate at which you will be charged.

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MORE RESOURCES:
Want a Better Credit Score? Soon, Your Cellphone Bill Could Help  The Wall Street Journal

Consumers' cellphone and utility payments will soon be added to one of their major credit reports, a move that will likely boost the credit scores of millions of ...


Credit Suisse reportedly advises ultra-wealthy clients to consider shifting assets out of the UK  CNBC

Wealth managers at Swiss bank Credit Suisse have advised their high-net worth clients to think about moving assets out of the U.K. due to the uncertainty ...


Why Changing Your Name on a Credit Card Can Be Complex  NerdWallet

I thought that changing my name on all my credit cards after marriage would be straightforward. Countless newlyweds did the same thing every year, I figured.


Two in credit card scheme take plea deals  San Mateo Daily Journal

Two within a group of six arrested in August at a San Carlos Residence Inn for a variety of crimes involving fraudulent checks, more than 200 fraudulent credit ...


Should You Get a Balance Transfer Credit Card or Debt Consolidation Loan?  U.S News & World Report Money

Balance transfer credit cards can help you pay off your balances interest-free, but debt consolidation loans may have longer repayment periods.


How to Remove a Closed Account From Your Credit Report  Yahoo Finance

You might think closing a credit card or other account might remove it from your credit report automatically. Credit reports include information for both open and ...


Will Credit Monitoring Services Protect Me After a Data Breach?  How-To Geek

After a major data breach, it's hard to know whether your information has been compromised and how to protect yourself afterward. Businesses have cropped up ...



Apple is offering up to $20 in bonus App Store credit, but it's hidden inside an iPhone menu. Here's how to find it  Business Insider

The credit can be used toward purchases on the App Store, iTunes, iCloud storage, and other Apple services — but not devices.


Think Twice Before Signing Up for Store Credit Cards  ConsumerReports.org

A new survey shows that store credit cards can charge higher interest rates than regular credit cards. Consumer Reports explains when you should think ...


Credit Suisse sees 18% upside in Abbott in premarket analyst action  Seeking Alpha

Abbott (ABT) initiated with Outperform rating and $82 (18% upside) price target at Credit Suisse. Alnylam Pharmaceuticals (ALNY) initiated with Buy rating.


Kushner getting credit for criminal justice bill  The Columbus Dispatch

WASHINGTON — Jared Kushner may finally get a win. President Donald Trump's son-in-law has been a drag on the administration for his friendship with Saudi ...


December 18 Morning Rush: Suspects caught on camera installing credit card skimmers  KRQE News 13

As holiday shopping ramps up, police says thieves are pulling out all the stops to get your cash. Police continue to warn the public to be on the lookout for credit ...


Credit Karma Tax® Takes on the Industry, Expands Its Always-Free Premium Tax Product  Associated Press

SAN FRANCISCO--(BUSINESS WIRE)--Dec 18, 2018--Credit Karma Tax, the only major free tax preparation provider that never charges users to file, has added ...


The average Alabamian owes more than $9,000 in credit card debt  AL.com

Credit card debt in the US has increased by 33 percent over the last five years, reaching $799 billion.


'Thankful' woman wanted for using stolen credit cards  FOX 5 Atlanta

COVINGTON, Ga. (FOX 5 Atlanta) - Her shirt reads “thankful,” but investigators said she should offer she should quickly count her blessing because they are ...


New credit union seeks real change for north Minneapolis economy  KMSP-TV

Minneapolis is celebrating the launch of a credit union that hopes to make real change in the northside economy.


Credit Cards Won’t Save Airlines From the Next Downturn  Wall Street Journal

There is a dirty secret behind the record profitability of U.S. airlines in recent years: Credit-card fees. But these won't be the hedge against bad times that some ...


Residents can enjoy tax credit, benefit hospital | Life  Brunswick News

Southeast Georgia Health System's Camden Campus qualifies for the Georgia Rural Hospital Tax Credit program, an exciting opportunity which allows Georgia ...


Police searching for 3 suspects in Harrisonburg credit card fraud  WHSV

Harrisonburg police are searching for three men believed to be responsible for using someone else's credit card information to get large amounts of money.


Billings Federal Credit Union announces completion of merger  KTVQ Billings News

BILLINGS- The merger of Big Sky Federal Credit Union into Billings Federal Credit Union has been approved, credit union officials said Monday. The National ...


NYPA board approves $600 million credit line to finance energy-efficiency programs  Niagara Frontier Publications

The New York Power Authority board of trustees has approved a $600 million revolving credit facility that will support NYPA's issuance of commercial paper ...


Person wanted for questioning in credit card fraud case  WDAM

HATTIESBURG, MS (WDAM) - Hattiesburg police need help identifying a person wanted for questioning in a credit card fraud case. Hattiesburg Police ...


ECB Transformation of Europe Credit Hidden by Market Bounceback  Bloomberg

The European Central Bank's purchase of almost 180 billion euros ($204 billion) of corporate bonds has upended the region's credit markets, even if some ...


Homeless man charged after stealing car in Lancaster, using victim’s credit card  WPMT FOX 43

LANCASTER COUNTY, Pa.-- A homeless man is facing charges after he stole a car that had been left running and unattended. Philip Dixon, 33, is facing vehicle ...


Best Credit Card Stocks - Visa And Mastercard Lead The Way  Seeking Alpha

Investing in credit card stocks is essentially investing in a fintech oligopoly. There are very few players, and they control the majority of the market. The cr.


Phasing in paying by credit card in Syracuse  CNYcentral.com

Big changes are coming, to the way you can pay bills to Syracuse City government: the city is signing on with a company that will allow credit card payments.


Hudson Valley Federal Credit Union opens Mahopac branch  The Daily Freeman

MAHOPAC, N.Y. — The Hudson Valley Federal Credit Union has opened a new branch at 152 U.S. Route Route 6.


Vermont Federal Credit Union sponsored drive for food shelf  vtdigger.org

News Release — Vermont Federal Credit Union Nov. 29, 2018. Contact: Kylie J. Perry (802) 923-1322 (888) 252-0202 Ext. 1322 kperry@vermontfederal.org.


All I want for my credit union marketing Christmas  CUinsight.com

Dear Santa: I've been a very good little credit union marketer this year. I kept my desk clean, tracked ROI faithfully, surfed the mobile wave, and leveraged ...


Vermont Department of Taxes announces charity tax credit  vtdigger.org

News Release — Vermont Department of Taxes Nov. 28, 2018. Contact: Kate Strousse (802) 828-3763. Kate.Strousse@vermont.gov. Kate McGowan (802) 349- ...


Island men charged with spending nearly $5700 on stolen credit card  Nantucket Island Inquirer

(Dec. 13, 2018) Two Square Rigger Road men were arraigned in Nantucket District Court Monday for allegedly using a stolen credit card to buy $5667.17 worth ...


Partnership Financial Credit Union Announces New Location in Des Plaines, Illinois  Chicago Daily Herald

Partnership Financial Credit Union, a not-for-profit and member-owned financial institution, is proud to announce the relocation of their Des Plaines Office.


Help ID suspects in credit card fraud in Greenville Co.  WSPA.com

GREENVILLE, SC (WSPA) - Greenville Co. Sheriff's Office is asking for your help to identify two suspects who used a victim's credit card that was stolen from an ...


Credit card thefts from local gyms  14 News WFIE Evansville

Evansville Police are looking for a man who they say has been stealing credit cards from local gyms, and using the cards around town.


For Residents Without Credit Cards, Miami Parking Is About To Get More Expensive  WLRN

In a 4-1 vote last week, the City of Miami Commission decided to increase parking rates across the city, a move which will bring an estimated $10 million.


Washington men arrested in Boise on charges of using fraudulent credit cards  KTVB.com

Boise Police arrested two Washington men on suspicion of using fraudulent credit cards in several purchases at different Boise stores last week. A store on the ...


Oman's bonds tumble as Fitch cuts credit rating to junk  Reuters

Oman's dollar-denominated government bonds fell on Tuesday after Fitch became the second major rating agency to cut the country to 'junk'.


East Haven maintains A+ credit rating with S&P citing strong outlook  New Haven Register

EAST HAVEN — Standard & Poor's has reaffirmed the town's A-plus credit rating and said East Haven's financial outlook was stable, according to a press ...


Australia lines up credit facility to support defence exports  IHS Jane's 360

The Australian government announced on 17 December that it will provide state credit to support two local companies' efforts to export radars systems and patrol ...


Where SAPD found 32 credit card skimmers in November 2018  mySA

San Antonio police visited the same gas station three times in November to remove credit card skimmers, according to data obtained by mySA.com. Police found ...


Credit Suisse Says Canada Goose Stock Pressure Appears Overdone  Yahoo! Finance News

Canada Goose Holdings Inc (NYSE: GOOS ) shares plummeted around 22 percent over the past two weeks on news of possible delays in the launch of its ...


Will paying off debt hurt my credit score?  MarketWatch

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


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

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


MCSO looking for suspects after credit cards, guns stolen from cars  12news.com KPNX

One of the suspects was caught on camera when he used a stolen credit card at a drive-thru.


Vote for the 321preps.com Community Credit Union Athlete of the Week for Dec. 10-15  Florida Today

It's time to vote for the Community Credit Union FLORIDA TODAY Athlete of the Week for Dec. 3-8. Vote at 321preps.com or floridatoday.com. You will find the ...


I sleep with men for £10 because Universal Credit’s left me and my seven-year-old destitute – I’ll even see pu  The Sun

Single mum Charlotte sold her son's toys after being forced to live on £1.64 a day on Universal Credit. When she had no possessions left to sell, she sold herself.


Obamacare ruling could hurt credit rating of states that expanded Medicaid  NOLA.com

They could lose billions of dollars in federal money and face significant costs if they try to keep coverage for people newly covered by the program, Standard ...


'RHOC' Star Gretchen Rossi Victorious in $9k Credit Card Legal Battle  The Blast

"Real Housewives of Orange County" star Gretchen Rossi came out on top in the lawsuit accusing her of refusing to pay her credit card bill.


The best credit cards for holiday shopping  CNBC

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


Market Selloff Doesn't Signal a Recession, Credit Suisse's Golub Says  Bloomberg

Jonathan Golub, chief U.S. equity strategist at Credit Suisse, discusses the selloff in U.S. stocks with Bloomberg's Caroline Hyde, Joe Weisenthal and Scarlet Fu ...


Suspects on the loose after robbing credit union in Marshall  WKOW

Dane County Communications said the Avestar Credit Union was robbed this morning in Marshall. Dane County Communications said the Avestar Credit Union ...


Wauna Federal Credit Union expands | Local News  Daily Astorian

Wauna Federal Credit Union is moving in Astoria and opening a new branch in Seaside, part of a regional expansion.


Tennessee bill would prevent most employers for using credit information against applicant  WZTV

NASHVILLE, Tenn. --New legislation introduced in the Tennessee General Assembly would prevent employers from refusing to recruit or interview a person ...


Lydia introduces credit lines  TechCrunch

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


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

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


Tesla puts more cars on sale to maximize $7,500 EV tax credit  Engadget

Tesla really, really wants to be sure buyers can make the most of the full $7500 EV tax credit before it's cut in half for the company in 2019. Elon Musk has a...


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

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


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

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


Man accused of using someone else’s credit card at multiple Walmart stores  WWBT NBC12 News

Chesterfield police are looking for a man seen on surveillance cameras leaving the stores. The fraud dates back to as early as Sept. 22.


Teen robbed at gunpoint, forced to drive to credit union for money  Channel3000.com - WISC-TV3

Madison police are investigating after a teenager said he was robbed at gunpoint then forced to drive to a credit union to withdraw money for the robbers.


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

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


TSYS On Canadians’ Lingering Love For Credit Cards  PYMNTS.com

In a recent study, TSYS finds credit cards remain the preferred payment method among Canadian consumers, with loyalty and rewards programs as a top ...


'Aquaman' Post-Credits Scene: Does It Have One? Here's a Spoiler-Free Guide  Inverse

'Aquaman' is set to hit theaters this week (watch our spoiler-free review above), but there's one big question on the mind of any superhero fan planning to the ...


Illinois basketball notes: 'Credit to Illinois'  Champaign/Urbana News-Gazette

CHAMPAIGN — Steve Forbes didn't want to make any excuses for what went down Saturday at State Farm Center.He said as much at the end of his first ...


What Is a Credit Card Skimmer? And How You Can Avoid Them  U.S. News & World Report

The threat of credit and debit card skimmers has grown in both number and sophistication in recent years. Today, you can't fill up your gas tank or withdraw cash ...


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

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


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

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


UK fintech startup TotallyMoney raises £29 million to scale its credit marketplace  Tech.eu

Credit provider TotallyMoney has raised £29 million in funding from prior backer Scottish Equity Partners (SEP) and Elliott Advisors. The company says the ...


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

It would be the first state-chartered credit union to be approved in Minnesota in at least 15 years, according to the state Department of Commerce.


Once Upon A Deadpool's New Post-Credits Scenes Explained  Screen Rant

Once Upon A Deadpool alters the post-credits scenes of Deadpool 2 in several important ways. Find out what new material was added and what was cut.


Millennial Credit Card Hackers Are Taking Free Travel Perks to a New Extreme — Some of Them Have Up to 50 Cards  Money Magazine

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


Credit Suisse promotes almost 100 to MD in Emea  Financial News

Credit Suisse has moved almost 100 employees in Europe, the Middle East and Africa up to the rank of managing director in its yearly round of promotions.


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

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


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

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


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

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


State Farm Bank Sanctioned Over Handling Of Credit Reports  WGLT News

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


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

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


Aquaman end credit scene EXPLAINED - Did you spot the ONLY Justice League link?  Express

Aquaman is riding a wave of worldwide success as it smashes records and increasingly optimistic projections suggest it looks set to be the first Warner Bros DC ...


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

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


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

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


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

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


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

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


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

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


ASIC launches 'voluntary' crackdown on banks mis-selling credit cards  ABC News

The big banks have pledged to crack down on the mis-selling of credit cards, but these commitments are voluntary and cannot be legally enforced by ASIC.


Microsoft Sends Secret $10 Xbox Live Credit In Promo Emails, Changes Expiry Date Once Found  GearNuke

Microsoft was recently sending everyone a promotional email that also had a secret code to redeem for $10 Xbox Live credit. It turns out that once this.


16-year-old boy carjacked on Southwest Side, driven to credit union to withdraw cash, Madison police say  Madison.com

The victim struggled with the robbers, but the younger of the two pulled out a handgun and hit the victim in the face.


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

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


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

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


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

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


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

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


Minnesota certifies first black-led cooperative credit union  Star Tribune

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


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

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


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

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


Meridian police looking for trio who stole credit cards at YMCA  Idaho Statesman

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


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

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


Sometimes Credit Default Swaps Are Things of Beauty  Bloomberg

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


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

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


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

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


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

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


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