Credit Information


Credit Information

Warning: Free Credit Report Imposter Websites Springing Up on the Web


A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in the West and will finally be nationwide by 1 September.

Tackling Bad Credit


The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didn't even know that a credit record of our transactions is prepared by some credit reference agencies.

Understanding Your Credit Score


When you apply for credit one of the first things almost all credit officers do is check your credit score. Although not all of those officers explained to us what a credit score is, we are all rated according to it and the offers we receive were all dependent on that score.

Bad Credit Credit Cards


Chances are you've gotten your share of offers like this in the mail Bad Credit Credit Card, Bad Credit Visa Cards and Credit Cards for People With Bad Credit. Re-establish your credit with a bad credit credit card, credit cards for people with bad credit or pre-approved Visa cards regardless of your bad credit history, some with low introductory rates and other perks.

Credit Worthiness


Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships.

Your Credit Score


Credit scores: all lenders use credit scores to determine interest rates and credit limits.The credit scoring system was developed in the early 1950's.

How to Deal with Hire Purchase Debt


WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements.

Bailiffs & Council Tax - Knowing What To Do


This article is about bailiffs who may call trying to collect Council Tax or Community Charge (Poll Tax) arrears. If a bailiff has contacted you to collect another sort of debt the law might be different.

It Is In Your Best Interest To Do The Math On Your Credit Card Interest


If you begin foaming at the mouth once a month when you receive your credit card statement, join the millions of Americans that are foaming along with you. There is a growing outrage at the seemingly endless journey towards eliminating the balance on your credit card and that is due primarily to the extravagant interest rates charged by credit card companies.

Harassment of People in Debt by Creditors


HarassmentHarassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970. It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly.

Credit Report Hassles


There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it.

Bank Robbery Growing In U.S.


Bank robbery has grown to become a huge problem in the United States but I am not talking about people robbing banks. I am talking about banks robbing people.

What Does Your Credit Say About You?


A credit report is more than just a snapshot of your financial picture; it can assist credit grantors in determining your overall risk factor. Additionally, lenders, credit grantors, and even human resource departments often use it as a tool to determine a person's character.

Debt Collection Agencies


Debt collection agencies are often a viable option for receiving payment on overdue bills. Here you can earn how debt collection agencies work and what to look for in reputable debt collection agencies.

Have You Ever Opened a Checking Account?


Maybe some of you are saving it in your trusty piggy bank, under your mattress or way back in a sock drawer. Although I'm glad that you are saving, your money is not doing anything for you locked up in your house.

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Credit program established to reduce new WVSA stormwater fee  Wilkes Barre Times-Leader

More rain barrels, vegetation and green roofs are expected to crop up in the Wyoming Valley in coming years as property owners try to reduce a new stormwater ...


Will paying off debt hurt my credit score?  MarketWatch

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Greenwich selectmen to vote on property tax credits for seniors  Greenwich Time

GREENWICH — A property tax credit for Greenwich seniors who own their homes is up for approval again — a benefit that can save some elderly residents ...


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...


Marc A. Hebert: Credit freezes, fraud alerts important tools to control your credit report  The Union Leader

In May of 2018 Congress passed the Economic Growth, Regulatory Relief, and Consumer Protection Act, which included changes to credit rules that benefit the ...


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 ...


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.


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 ...


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 ...


What to do when you're mad at your credit card company  Los Angeles Times

A single missed credit card payment leads to an unpleasant encounter with the card company. What to do next? Not cancel your card in a snit, because you lose ...


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 ...


GM fights to retain tax credit for electric cars  Huntington Herald Dispatch

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 ...


Super Smash Bros. Ultimate is Charles Martinet’s 100th credit as Mario  Polygon

Super Smash Bros. Ultimate, which launched Dec. 5, marks the 100th time Charles Martinet has portrayed Mario in a video game, according to Guinness World ...


West Chester hotel thief a good tipper  Hamilton Journal News

Someone charged $2500 on a fake credit card at the West Chester Hilton Garden Inn.


May we help you buy your Christmas tree? Credit union surprises shoppers  OCRegister

Some visitors to the Christmas Tree House in Costa Mesa on Saturday, Dec. 15, were prohibited by manager Kelly Corbin from purchasing trees off the lot.


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.


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.


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.


Applications accepted for Farm Credit Foundation scholarship  Carroll County Times

Farm Credit Foundation for Agricultural Advancements scholarship applications accepted.


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 ...


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.


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 ...


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.


GM Hits Federal Tax Credit Phase-Out Of 200,000 EVs Sold In U.S.  InsideEVs

According to our estimates, General Motors crossed the mark of 200000 plug-in electric car sales in the U.S. Here's what happens next.


Morgan Stanley: Credit bear market is here  CNBC

Adam Richmond, head of U.S. credit strategy for Morgan Stanley, joins CNBC's "Squawk Box" to take a look at the odds of a Fed rate hike.


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

A financial institution has reached a milestone in its effort to open a black-led credit union in north Minneapolis. Village Financial Cooperative received notice ...


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.


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.


News 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.


Gwinnett nonprofits receive nearly $15K in grants from Delta Community Credit Union  Gwinnettdailypost.com

Christmas came a little early for four Gwinnett County nonprofits who were among the recipients of 2019 Delta Community Philanthropic Fund grant awards.


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

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


Man sentenced to using more than 500 fraudulent credit cards around Las Vegas  KTNV Las Vegas

A California man who possessed and used over 500 fraudulent credit and debit cards throughout the Las Vegas valley was sentenced Thursday to 5 years in ...


Trump Is Trying to Use Credit Scores to Keep Immigrants Out of the U.S.  Slate

One reason to be skeptical about the use of credit reports for any purpose is their sky-high rate of inaccuracy.


'Spider-Man: Into the Spider-Verse' Post-Credits Scene Explained  Hollywood Reporter

'Spider-Man: Into the Spider-Verse' contains a last-minute cameo that should intrigue fans.


Packers' Davante Adams has the numbers, but will he get the credit? - NFC North- ESPN  ESPN

Davante Adams draws a lot of attention from opposing defenses, but no matter the circumstance, he keeps on getting open and catching touchdowns.


Police: Thief steals credit card out of car, uses it at Walmart  News 12 Connecticut

Police are searching for the woman who broke into a car in Norwalk to steal a credit card that she later used at a nearby store.


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.


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 ...


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 ...


Utica woman accused of posting bomb threat against credit union on social media  Rome Sentinel

NEW HARTFORD — A Utica woman was charged with posting a bomb threat on social media against GPO Federal Credit Union Thursday. New Hartford Police ...


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 ...


Doctors credit Idaho State Police with saving 2-year-old boy's life  KXLY Spokane

Idaho State Police never could never imagine when they pulled a minivan over this week, that inside they would find a starving two-year-old boy, nearly beaten ...


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.


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 ...


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.


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 ...


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 ...


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 ...


Universal credit: Claimant fears spending Christmas without money  BBC News

Erin Barrett said her experience of universal credit had left her at times unable to afford food.


Big jump in credit-card use drives 11-month high for consumer credit growth  MarketWatch

Thanks to credit card usage, consumer credit grew at the fastest rate in 11 months, the Federal Reserve said Friday.


De Blasio: I don't get enough credit for my progressive achievements  New York Post

Mayor Bill de Blasio went on a drawn-out rant Friday against his critics on the left, claiming he's not getting enough credit for his progressive achievements ...


BE AWARE: Skimming device used in recent rash of credit card fraud in Monroe, police say | WSOC-TV  WSOC Charlotte

Police said they believe a credit card skimming devices are being used in Monroe, but haven't figured out where the device may be.


Your new social credit score  Boing Boing

https://youtu.be/WByBm2SwKk8 This video imagines a social credit system in the UK similar to one under development in China, in which your purchases, ...


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 ...


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.


Police: Auburn man bought TV with stolen credit card  Auburn Citizen

An Auburn man is facing criminal charges for allegedly shopping with a stolen credit card.


Possible gunshot reported near Russell Country Federal Credit Union in Great Falls  ABC FOX Montana

We have had reports of a possible gunshot near the Russell Country Federal Credit Union.


Abraaj Credit Fund to Be Taken Over by Kuwait's NBK Capital  Bloomberg

Liquidators of the collapsed private equity fund Abraaj Group are close to completing the transfer of its credit fund to another investment manager as they seek to ...


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 ...


Credit Suisse defends J.B. Hunt Transport Services  Seeking Alpha

Credit Suisse thinks the announcement by J.B. Hunt Transport Services (JBHT -2.8%) of a charge related to BNSF arbitration (SEC Form 8-K) could be a ...


8 players tied to Rutgers football team indicted in credit card fraud scheme; Brendan Devera avoids most serious charge  NJ.com

The 8 players tied to the Rutgers team will be in court in January after being indicted on credit-card fraud charges.


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 ...


It’ll Take More Than a Buyback to Boost Credit Suisse  Wall Street Journal

Credit Suisse may have finished three years of restructuring, but its investment story is a work in progress.


How to Get Credit When You Have None  Yahoo Finance

Trying to get your first credit card can be as frustrating as trying to land your first job. Employers want experience, but you can't get experience unless someone ...


Suspect in robbery of Brighton credit union branch arrested in Novi  Livingston Daily

A man police believe robbed Lake Trust Credit Union in Brighton was arrested Wednesday Brighton Police Chief Rob Bradford said in a news\u00a0release.


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 ...


GM fights feds to keep $7,500 electric vehicle tax credit  Chicago Tribune

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


Packers QB Aaron Rodgers says Davante Adams deserves more credit for strong play  ClutchPoints

Green Bay Packers superstar Aaron Rodgers believes wide receiver Davante Adams deserves much more credit than he's getting for another solid season.


MARK MELODIA: Employee used guests' credit cards to book rooms at Pittsburgh hotels, police say | WPXI  WPXI Pittsburgh

PITTSBURGH - Police say a man who has worked at several area hotels has been stealing random guests' credit card numbers. According to a criminal ...


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.


Does ‘Aquaman’ Have a Post-Credits Scene?  Fatherly

Should you stick around after the credits or can you make a beeline for the exit as soon as the movie is over? We offer a spoiler-free answer.


Planned 43-unit affordable housing project in Lakewood wins $850,000 tax credit  The Denver Post

A planned 43-unit affordable housing complex just south of Kendrick Lake in Lakewood this week received a tax credit that will enable the project to move ...


How to reform the federal electric vehicle tax credit | TheHill  The Hill

Travelers on the road this holiday season may have noticed a growing number of electric vehicle (EV) charging stations at parking garages, rest stops and ...


3 credit card skimmers found at Monument gas station  KKTV 11 News

MONUMENT, Colo. (KKTV) - Police have found three credit card skimmers at a gas station in Monument -- and they may have been as long as five days.


Here's Which Automakers Will Suffer If Trump Ends Electric Car Tax Credits  Forbes

Luxury EVs may not suffer as much as would plug-in cars from mainstream makers like General Motors and Nissan.


Report: 8 Rutgers football players indicted in credit card scheme  USA TODAY

The eight Rutgers football players charged in connection with a credit card fraud scheme earlier this year have been indicted, according to an NJ Advance ...


Nigeria fintech Paylater gets credit rating ahead CBN regs  Quartz

Fintech companies are increasingly playing at the same level as traditional financial institutions.


Tesla to offer full refunds to buyers who miss tax credit cutoff  Green Car Reports

As we've covered here before, Tesla buyers are facing the expiration of the full federal plug-in vehicle tax credit that the cars are currently eligible for through ...


AM Best Upgrades Issuer Credit Rating of MAPFRE Fianzas, S.A.  Business Wire

AM Best has upgraded the Long-Term Issuer Credit Rating to “a+” from “a” and affirmed the Financial Strength Rating of A (Excellent) and the Mexico Na.


How to save money while paying off a high-interest credit card balance  Charleston Post Courier

Lots of people struggle to pay off high-interest credit card debt. In some cases they could save money and pay off debt by doing something counter-intuitive ...


Berkeley County considers stormwater credit policy after complaints  Live 5 News WCSC

After several businesses and church leaders complained about sharp hikes in stormwater utility fees, Berkeley County Council agreed to consider implementing ...


Romanian politician became gym bandit, raiding lockers for credit cards  Buffalo News

In Romania, George Piha was a prominent businessman and politician — and then after a car accident he became an OxyContin addict. Piha, who holds dual ...


FHFA would ban VantageScore from Fannie Mae, Freddie Mac credit scores  National Mortgage News

The Federal Housing Finance Agency has proposed barring Fannie Mae and Freddie Mac from using credit scores developed by VantageScore over concern ...


New ‘Star Trek’ Series to Shoot in California, Selected for Tax Credit  Variety

CBS's new “Star Trek” series, with Patrick Stewart reprising the role of Capt. Jean-Luc Picard, will shoot in California and receive a $15.6 million production tax ...


MLB -- Tampa Bay Rays deserve credit for signing Charlie Morton  ESPN

Despite facing long odds in the AL East, Tampa Bay invested in free agent Charlie Morton, who should be a good fit on its pitching staff.


Phone scam alert: Fraudsters using faked phone number impersonate Utah credit union  KUTV 2News

(KUTV) — A spoofed phone number is part of a scam with fraudsters acting the part of a Utah credit union. Vernal City Police Department warned of the scam ...


Stanford grads raise $20 million for a company that aims to make life cheaper and easier for immigrants  CNBC

Immigrants to the U.S. have a hard time doing anything for which they need a credit score, like getting a loan. "It's ridiculous that it's 2018," says Misha Esipov, ...


Police seeking suspect after Lake Trust Credit Union in Brighton robbed  Livingston Daily

A Lake Trust Credit Union branch in Brighton was robbed Monday afternoon, officials said. "The lone suspect, a black male, wearing all black, walked into the ...


Park City residents carrying among the heaviest credit-card debts in America, study says  Salt Lake Tribune

One of America's richest cities — Park City, Utah — also has one of the highest levels of credit card debt, according to a new study. The median credit card debt ...


Lake County Board eliminates credit cards for commissioners  Chicago Daily Herald

In its first act of reform since the November election, the Lake County Board on Tuesday abolished the taxpayer-funded credit cards commissioners have used ...


Options are pointing to more volatility to come: Credit Suisse  CNBC

The wild swings of the past few months will linger in the New Year, according to Credit Suisse's Mandy Xu.


State police: Juvenile stole credit cards and went on $2000 shopping spree  Tribune-Review

A juvenile used two stolen credit cards to make $2000 worth of unauthorized transactions in various Western Pennsylvania counties, state police said.


The best business credit cards  CNBC

Business credit cards offer high credit limits and reward structures that suit small-business owners, but some cards are better than others. CNBC names the best.


Police say Louisville man stole 88-year-old victim's credit card  WDRB

Police say the suspect admitted to taking the victim's credit card and using it in several places.


Former credit union loan officer sentenced to 30 months; must repay $1.46 million  Dothan Eagle

A former manager and loan officer of the Enterprise branch of the IAM Community Federal Credit Union has been sentenced to 30 months in federal prison and ...


Once Upon A Deadpool post-credits scene(s), broken down  CNET

The newly reedited and toned-down version of Deadpool 2 has a couple of new post-credits scenes to look forward to. Warning: spoilers ahead.


This is how much credit-card debt makes you undatable, and do Americans marry for love or money?  MarketWatch

Happy Monday, MarketWatchers! Start off your week with today's top personal finance stories. How to buy gift cards for friends and family that won't go to waste.


Cash Back vs. Points: How to Choose the Right Credit Card  Yahoo! Finance News

Not sure if you should go with cash back or points? Find out the advantages of each and how you can choose the right type of credit card.


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