Credit Information


Credit Information

Credit Card Debt: How To Control It


A lot of people spend more money than they can afford to repay toward their credit card debts. To regain control over your finances and to manage your debt, here are some solutions you can try.

Understanding the Function of Credit


What is Credit?Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame.

Cutting Credit Card Costs


What are the APRs charged by the credit cards in your wallet? If you are paying more than 12% interest on any of them, you are probably paying too much. The prime rate is currently in the single digits, so credit card companies that charge above 13% APR are overcharging.

Restore Your Credit Rating And Reduce Your Debts


Your credit rating affects many areas of your life. Opening new credit accounts, buying a home or car, getting a new job, and receiving discounts on insurance rates are just a few of the things that are impacted by your credit score.

How Your Credit History Can Affect Your Life


Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle.

10 Signs You May Need Credit Counseling


Debt management programs can be of real help for people that discover they cannot face their debts. At first, they will attempt to solve the situation all by themselves by cutting down on spending and keeping a close eye on accounts.

Common Credit Score Myths


A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing.

Finding and Applying for the Right Credit Card Offer Online


Anywhere you go online nowadays, you will see a multitude of ads for credit cards. Some offer low interest rate for an introductory period, or bonus frequent flyer miles while others offer real discounts on new vehicles and equipment.

Cash Back vs. Rewards Credit Cards


Ah, the sweet rewards of using credit!Not only do you get immediate gratification with the buy now-pay later plastic, but now, many credit cards offer rewards and incentives for using their card to make purchases. You can get cash back, or gift cards, or 'reward points' that you can spend on merchandise or services from various merchants.

Avoiding College Credit Card Traps


Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus.

Credit Report Secrets: Do You Know What They Reveal?


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.

Identity Theft - Monitor Your Credit Report


The recent security breach at credit card processor CardSystems Solutions has many consumers worried. Thanks to a well-placed computer virus, nearly forty million credit card numbers were stolen, and cardholders nationwide are justifiably concerned about identity theft.

Which Business Credit Cards with Reward are the Best?


Thinking of applying for a credit card with a reward program to help you and your business? Here is a brief guide to some of the best programs on the internet.The Platinum Business Credit Card with rewards from American Express is a great offer.

Manage Your Credit Wisely


Getting your first credit card is a big deal and all young people look forward to it with bated breath. We wait for years to be able to apply successfully for out own credit card.

Credit Report - How Your Credit Score is Determined


Most consumers are aware that they have something known as a credit report that is used to determine whether or not they would qualify for a loan. Fewer are familiar with the FICO score, a creation of the Fair, Isaac, and Co.

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

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


Credit card fraud  WCAX

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


Religious schools at center of Education Tax Credit debate  The Union Leader

As the Legislature considers a bill that would repeal the controversial Education Tax Credit scholarship, the outsized role of religious institutions in the program ...


Benchmark Federal Credit Union names new CEO | Business  The Mercury

WEST CHESTER — Benchmark Federal Credit Union has named Daniel J. Machon Jr. as its new president and CEO, effective Feb. 1. Machon succeeds David ...


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

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


Money Matters: Raising your credit score  69News WFMZ-TV

There's no magic trick that's going to instantly improve your credit score.


9 Reasons Cryptocurrency Is Better Than Credit Cards Today  Dash News

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


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

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


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

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


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

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


Davenport police investigating armed robbery at DuTrac Community Credit Union  Quad City Times

The Davenport Police are looking for a male subject involved in a armed robbery of the DuTrac Community Credit Union on Saturday morning.


Crunch Time In Search of Better Quality of Life, Russians Lean on Credit Personal loans in  The Moscow Times

Personal loans in Russia have grown by 46 percent over the past year.


WSJ Tax Guide 2019: Child and Dependent Tax Credit  Wall Street Journal

The child credit doubled and became available to more families, a move that more than offset the repeal of the personal exemption in many cases.


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

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


MSU Texas to offer 21 dual credit courses in fall for high school students  Times Record News

The fall semester will have at least 21 courses available for dual-credit or concurring education.


Bragg soldier has credit bill paid off  The Fayetteville Observer

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


China Credit Growth at Record in January Amid Seasonal Surge  Bloomberg

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


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

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


Police: Couple used stolen credit cards to make $10K in purchases  News 12 Long Island

Police are searching for a couple accused of stealing credit cards from a woman's purse at an East Garden City restaurant.


Man Robs Mission Federal Credit Union In Scripps Ranch -  KUSI

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


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

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


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

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


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

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


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

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


Area US House members push biodiesel tax credit  Geneseo Republic

WASHINGTON, D.C. — With trade talks with China in a stall, the pressure is on to find other ways to boost the crop markets.Congressmen Darin LaHood ...


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

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


Getting and keeping the credit (score) you deserve  WTOP

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


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

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


Wanted with Scott McKane: Credit card skimmers, bike thefts and other crimes  KSTU FOX 13 Salt Lake City

This week's Wanted starts with a suspect wanted out of Murray. Anyone with identifying information was asked to call (801) 264-2673. In Cache County, Logan ...


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

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


Palmetto gets $20 million credit line for its solar and energy efficiency installation marketplace  TechCrunch

For homeowners that want to go green, but have trouble figuring out how to do it, Palmetto Clean Technologies has the answer. The company has an army of ...


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

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


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

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


Mexico to inject $3.9 billion in Pemex, seeks to prevent credit downgrade  Reuters

Mexico will inject $3.9 billion into ailing state oil company Pemex, officials said on Friday, promising to strengthen its finances and prevent a further credit ...


Senior Citizen Utility Credit offered by city | Local News  Herald and News

The city of Klamath Falls is again offering a Senior Citizen Utility Credit for 2018, according to a news release.


Photos of woman allegedly using stolen credit cards lead to arrest in Cedar City  St George News

ST. GEORGE — A Parowan woman was arrested Friday after photos posted on Facebook identified her as the suspect allegedly responsible for using stolen ...


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

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


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

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


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

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


Pinky's Ice Cream truck owner in Burkburnett charged with credit card abuse, forgery  Times Record News

After a Burkburnett woman was charged with credit card abuse against an elderly person, a Burkburnett Police officer said he “immediately” recognized the ...


Elevate Credit (ELVT) Downgraded by BTIG Research  Fairfield Current

BTIG Research lowered shares of Elevate Credit (NYSE:ELVT) from a buy rating to a neutral rating in a research note published on Thursday. The firm currently ...


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

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


The Best Credit Unions for Federal Employees  FedSmith.com

If you have ever considered joining a credit union, these are some that offer membership and benefits for federal employees and military.


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

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


4 Steps To Pay Off Credit Card Debt  Forbes

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


Sen. Peterson deploys bill to restore N.C. film tax credit  StarNewsOnline.com

Sen. Harper Peterson's first bill in the N.C. General Assembly aims to restart the film tax credit, but is there enough support to abandon the grant program?


Pregnant teen on Universal Credit faced starvation - then something incredible happened  Mirror Online

Jaedyn Overbury and Lizzie Mason were struggling on Universal Credit after moving out of a Birmingham YMCA.


Private Credit Funds Stabilize Markets, Research Shows  Institutional Investor

A new paper written by a University of Pennsylvania professor says that private credit funds promote economic resilience.


Police: Surveillance video shows woman using stolen credit cards in Miami  WSVN 7News | Miami News, Weather, Sports | Fort Lauderdale

MIAMI (WSVN) - Police are searching for a woman accused of purchasing several items with stolen credit cards. Surveillance video allegedly captured the ...


Israel's Leumi to complete sale of credit card unit February 26  Reuters

JERUSALEM (Reuters) - Israel's Bank Leumi said on Sunday it would complete the sale of its credit card unit to U.S. private equity firm Warburg Pincus on Feb.


Goldman Sachs Citi Invest in Credit Card Alternative Data Firm, Second Measure  Fortune

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


Murphy pushes historic tax credit proposal in Paterson  NJBIZ

Gov. Phil Murphy doubled down on a vision for a $20 million historic preservation tax credit program aimed at redeveloping and repurposing abandoned historic ...


Some Equifax credit file locks have expired. Here's how to protect your personal information.  NBC News

If you were a victim of the Equifax breach and signed up for a now-expired credit lock, here are some tips to help protect yourself from identity theft.


Happy Death Day 2U Post-Credits Scene & Sequel Tease Explained  Screen Rant

Happy Death Day 2U ends with a post-credits scene that sets up Happy Death Day 3. Here's what it could all mean for Tree and her friends' future.


Beshear, AGs Seek Stronger Identity Theft Protections by Banks, Credit Card Companies  The Lake News

FRANKFORT, KY. – Attorney General Andy Beshear and a bipartisan group of state attorneys general are seeking stronger safeguards of federal rules that ...


Navy Federal Credit Union hit with banking glitch for 2nd straight day  WTOP

WASHINGTON — Navy Federal Credit Union members were once again frozen out of their accounts Thursday, the second day in a row for a major ...


Credit union robbed in Wyoming; 1 suspect sought  WOODTV.com

Police are looking for the suspect in a robbery at a Lake Michigan Credit Union in Wyoming.


Who actually pays for your credit card rewards?  Vox.com

Shoppers love credit card rewards. These tantalizing extras come in offers like cash back, travel miles, and cash bonuses, and banks use them to get you to sign ...


Advisors Asset Management Inc. Sells 348,185 Shares of THL Credit, Inc. (TCRD)  Fairfield Current

Advisors Asset Management Inc. cut its position in shares of THL Credit, Inc. (NASDAQ:TCRD) by 69.0% during the fourth quarter, according to the company in ...


Daily Deals: Buy Nintendo Switch, Get $35 eShop Credit, Preorder Link and Ken Amiibo  IGN

Dell 15" GeForce GTX 1050 Laptop for $580, Alienware 34" 3440x1440 GSYNC 120Hz IPS Curved Gaming Monitor for $725, Gloomhaven for $99.99.


Man arrested for breaking into Bend woman’s car, shopping with her credit cards  Bend Bulletin

A transient was arrested Saturday evening for allegedly stealing a purse from a woman's car in Southwest Bend and shopping with her credit cards.Just before 7 ...


There's a new way to instantly boost your credit score  NBCNews.com

A new credit assessment program could help millions of Americans instantly improve their credit scores, simply by adding data from their checking account.


29% of Americans Have More Credit-Card Debt Than Emergency Savings  The Motley Fool

We're told we're supposed to save for emergencies so that we're not forced to resort to debt when unplanned expenses come our way. Yet 29% of Americans ...


DPS, teachers union credit mediator for bringing both sides together  9News.com KUSA

DENVER — After all the energy put into the strike and the angst spent at the bargaining table, both sides finally reached a deal to restructure the ProComp ...


Misuse use of credit card leads to church secretary being charged with grand theft  WWSB

A former church secretary has been charged with grand theft and auto felony counts of a little less than $20000.


This Tri-Cities suspect used a skimmer to steal credit card numbers. Know his name?  Tri-City Herald

Pasco and Kennewick police are trying to find a thief stealing using stolen credit card numbers from skimmers to steal money from ATMs around the Tri-Cities.


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

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


York County and Atlantic federal credit unions plan merger  Press Herald

York County Federal Credit Union plans to merge into Atlantic Federal Credit Union, a move that would create the state's largest credit union with more than ...


Don’t extend the electric vehicle tax credit; repeal it | TheHill  The Hill

Instead of doubling down by extending this unfair and ineffective program, it's time to repeal the EV credit for good.


Credit Suisse Group Trims Pioneer Natural Resources (PXD) Target Price to $200.00  Fairfield Current

Pioneer Natural Resources (NYSE:PXD) had its price objective cut by Credit Suisse Group from $210.00 to $200.00 in a report issued on Thursday morning, The ...


China Reverses Course, Launches Massive Credit Expansion  The Epoch Times

News Analysis. China has opened the liquidity floodgates. Bank lending in China hit an all-time high in January, signaling that recent mandates to boost lending ...


FDNY EMT accused of stealing, using dead man's credit card to shop at Macy's  WABC-TV

An FDNY EMT is accused of stealing and using the credit card of a man who died in his care.


Judge orders Ford Motor Credit to attend mediation with Reagor-Dykes  KCBD

A crowd of more than one dozen attorneys were in Judge Robert Jones' courtroom Thursday to plead their cases in the ongoing Reagor-Dykes reorganization.


Officers warn hundreds could be victims of credit card gas pump skimmers  WBIR.com

JEFFERSON COUNTY, Tenn — White Pine Police warn hundreds of people may have fallen victim to credit card skimmers inside gas pumps in up to three ...


Iowa State Fair vendors ordered to take credit cards by 2020  Des Moines Register

Starting next year, those pork chops on a stick can be bought with a card. The Iowa State Fair has confirmed that it will require all food and drink vendors to ...


Supporters of controversial Mass. film tax credit aim to make it permanent  The Boston Globe

Supporters of the state's film tax subsidy have spent years defending it as an economic boost to local industry, protecting it from an early death amid criticisms ...



HEXO Taps Major Canadian Banks for $65 Million Credit Facility  New Cannabis Ventures

GATINEAU, Quebec, Feb. 15, 2019 (GLOBE NEWSWIRE) — HEXO Corp. (“HEXO” or the “Company”) (TSX: HEXO; NYSE-A: HEXO) is pleased to announce it ...


Nearly one-third of Americans have more credit card debt than savings  Chron

Despite a thriving economy with historic low unemployment, an increasing number of Americans – 74 million, or nearly one-third of the population – have more ...


Credit Suisse Commodity Loss Said to Threaten Some Bonuses  Bloomberg

Credit Suisse Group AG has told some employees they may not get their bonuses after the bank lost money on a commodity financing deal last quarter, ...


Fees Are “Ungodly”, Buy XRP at Binance Using Your Credit Card  newsBTC

Ripple Prices under pressure but bullish Buy XRP using your credit card at Binance Transactional volumes are below average Good news is Binance is ...


Commitment to putting members first reflects past, present and future of Polish National Credit Union (Outlook 2019 Viewpoint)  MassLive.com

By James Kelly, Polish National Credit Union. Once upon a time, the Polish National Credit Union invited members - and potential members - to simply "Click, ...


Missouri Senate endorses tax credit plan axed by Greitens  STLtoday.com

The program was put on hold by former Gov. Eric Greitens.


Raising The Bar Grading policy in Clark County gives students half credit regardless of work Bryan  KTNV Las Vegas

Did you realize that some CCSD students get credit for work they never completed? Under what is called equitable grading or minimum F policies, teachers ...


2 Huskers ticketed, accused of ordering pizza to campus with stolen credit card information  Lincoln Journal Star

Two Husker football players have been ticketed and accused by University police of paying for pizza delivered to campus with stolen credit card information, ...


Exclusive: U.S. EPA may issue E15 gasoline plan without biofuel credit trade limits - sources  Reuters

The U.S. Environmental Protection Agency is considering releasing its draft proposal to expand sales of higher ethanol blends of gasoline without including ...


Eastman Credit Union: 1000 customers impacted by card fraud activity  WJHL-TV News Channel 11

KINGSPORT, TN (WJHL) - Eastman Credit Union's Executive Vice President Kelly Price tells News Channel 11 about 1000 customers have been impacted by ...


Goldman Sachs, Point72 and others invest $44 million in business credit startup Nav  Reuters

Nav, a startup that gives small businesses free access to their credit reports, said on Monday that it had raised $44 million from investors including Goldman ...


N.Y. credit union set to complete merger into XCEL FCU  Credit Union Journal

Members of NBC (NY) Employees Federal Credit Union have approved the merger into the Bloomfield, N.J.-based XCEL.


AMK to offer access to CBC's credit reports  Khmer Times

AMK Microfinance has become the latest institution to partner with the Credit Bureau of Cambodia (CBC) to enhance customers' access to their credit status.


An income tax credit for responsible but modestly paid adults  Charleston Post Courier

Young adults, single parents, and married couples with modest incomes are among those mostly likely to qualify for the Saver's Credit, a federal tax credit for ...


This Tiny Pac-Man Game Is the Size of a Credit Card  Gizmodo

Super Impulse's Tiny Arcade line—a series of four-inch-tall fully playable arcade cabinets—is a fun way for '80s kids to relive their childhoods spent stuffing ...


KB Home (KBH) Rating Reiterated by Credit Suisse Group  Fairfield Current

KB Home (NYSE:KBH)'s stock had its “sell” rating reiterated by investment analysts at Credit Suisse Group in a note issued to investors on Friday. They presently ...


Petal helps low-income people and immigrants build credit  Fast Company

In his home country of Ecuador, Andres Mosquera felt pretty good about his finances. Mosquera, who has a master's degree in business education, had two ...


Know your score: How to hack your credit health  The Age

Lenders look to your credit report to determine your attractiveness as a customer, so enhancing your score improves access and costs for future loans.


Powell says rural poor need help with education, credit access  MarketWatch

Poor people in rural communities need more help with education, credit access and business ownership, Federal Reserve Chairman Jerome Powell says.


Consumer crunch: Banks set to crack down on credit cards, car loans  Sydney Morning Herald

Banks may make it harder for consumers to get car loans, credit cards and personal loans under proposed rules from the corporate regulator.


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