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A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information.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:
Here's what you need to know about the new tools to jump-start your credit  MarketWatch

Both Boost and UltraFICO have some quirks—here's the lowdown and how to decide if you should use them.


Perspective | Hints From Heloise: Employers don't deserve credit  The Washington Post

Dear Readers: Today's Sound Off is about employers having access to a potential employee's credit score. “Dear Heloise: I applied for a job with a large ...


A Cannabis Credit Card? Yeah, That's a Real Thing Now  Yahoo Finance

This newly-public multistate dispensary operator has introduced its own marijuana credit card for consumers.


Here's one way to know if you are — or aren't — part of the middle class  AZCentral

When most Americans think about being middle class, they usually visualize having a certain level of income and material possessions like a car or house.


Another Deceptive Letter Bashing the Electric Car Tax Credit Circulating Congress, Courtesy of FreedomWorks  DeSmog

A West Virginia Republican is gathering signatures from fellow members of Congress for a letter opposing any extension to the electric vehicle (EV) tax credit.


How Secured Credit Cards Can Build, or Rebuild, Your Credit  The New York Times

Once a little-known option, secured credit cards for people with scant or poor credit are getting more attention. This week, for instance, Amazon introduced a ...


Federal Watchdog Asks Agencies to Please Stop Relying on Credit Rating Firms After Equifax Hack  Gizmodo

The Government Accountability Office is warning federal agencies including the U.S. Postal *Service*, the Social Security Administration, Veterans Affairs, and the ...


Indiana tax credit change may attract out-of-state investors  South Bend Tribune

INDIANAPOLIS — A change that Indiana lawmakers made this spring to a tax incentive for startups is being hailed as a big win for the tech industry because it ...


The U.S. Economy Is Breaking Record on Trump's Watch. He Wants All the Credit  Bloomberg

About to break records for the longest expansion, the U.S. economy sure looks like an asset for a president gearing up to seek re-election. “If voters went to the ...


Consumer knowledge about credit scores is on the decline  KOMO News

The Consumer Federation of America says thanks to economic recovery, and in many cases improved family finances, a lot of us who know that credit scores are ...


Should You Keep Your Old Secured Credit Card?  The Motley Fool

Secured cards help build credit. But should you keep them open once your credit score has improved?


$400 in Lyft charges billed to elderly Buffalo Grove woman's stolen credit card:Police  Chicago Tribune

The following items were taken from Buffalo Grove Police Department reports and releases. An arrest does not constitute a finding of guilt. DUI. Jordan Ramirez ...


Trump deserves credit for immigration deal with Mexico  Boston Herald

WASHINGTON — President Trump's detractors are trying to play down the significance of the U.S.-Mexico immigration deal, saying it is largely comprised of ...


In Arizona, your credit score could increase your car insurance bill by more than $1,000  AZCentral

Think your credit score doesn't affect your car-insurance payment? Think again. Arizona drivers with poor credit pay more than twice as much as those with ...


Indian banks, NBFCs, fintech firms are looking over CIBIL scores  Quartz

CIBIL scores are no longer the only gauge of creditworthiness.


Buttigieg Worries Tech May Add Racial Bias to Credit Decisions  Bloomberg

Pete Buttigieg said the way credit scoring is done in the U.S. is fraught with inequality and he's worried the process may get worse with systems based on ...


TruStar named among top credit unions in the nation  International Falls Journal

TruStar Federal Credit Union has been named one of the top 200 credit unions in the nation for superb financial health by DepositAccounts.com.


How's Your No Credit Card Challenge Going?  Lifehacker

We're midway through the month, which means it's time to check in on our progress for the no credit card challenge.


Members 1st Credit Union launches 'My Concierge' program as it ramps up on-demand service  PennLive.com

The Lower Allen-based Credit Union's “concierge” *service* provides access to a dedicated team to help members and prospective members with all aspects of ...


Does ‘Men in Black: International’ Have a Post-Credits Scene?  TheWrap

The Chris Hemsworth and Tessa Thompson film serves as a soft reboot for the "Men in Black," so does it tease another movie after the credits?


Police searching for Credit Union 1 robbery suspect, roads close  KTVA

Anchorage Police Department says officers are searching for a man suspected of robbing Credit Union 1.


Amazon launches new secured credit card for those with bad or no credit  USA TODAY

The new Amazon secured credit card can be a good way to build credit history, but customers still need to be wary of some of its other features.


Moody's Investor Service issues credit rating to Curry County  abc7amarillo.com

Curry County, N.M. (KVII) — Moody's Investor *Service* issued an opinion that Curry County's credit position is good and issued an Aa3 rating on Tuesday, June ...


How to freeze your credit to prevent fraud or identity theft  Business Insider

A credit freeze is a free way to stop activity on your credit report if you suspect your identity was breached or stolen.


Credit Suisse Expects Fed to Signal July Rate Cut This Week  Bloomberg

William Porter, head of European credit strategy at Credit Suisse Securities, discusses the outlook for this week's Federal Reserve policy decision. He speaks on ...


Sallie Mae is expanding from student loans to credit cards. Should you get one?  USA TODAY

Sallie Mae just released a suite of three credit cards targeted at college students, recent grads and young professionals. Should you get one?


Liz Weston: Tips for adding positive credit to help offset negative information  OregonLive

Weston: "It would be tough to get a mortgage with unpaid collections on your credit report."


Here's how to pay less to your credit card company  CNBC

Most people don't ask their card issuer to reduce their interest rate or waive certain fees. They probably should, research suggests.


Marijuana dispensary rolls out its own credit card as weed industry works to go beyond cash-only sales  Chicago Tribune

Marijuana company Columbia Care is rolling out a credit card for customers to use at its dispensaries, creating a new payment option for a clientele that has ...


Suspects found in stolen sedan have drugs, an array of taken items  Wink News

Three men were arrested for being found in a stolen car with an array of items, including drugs and stolen credit cards. The suspects Jamarias Curry, 20, Jerry ...


Credit Suisse in Advanced Discussions on Future of InvestLab  U.S. News & World Report

ZURICH (Reuters) - Credit Suisse said on Monday it was in advanced talks on the future of investment product platform InvestLab. "Credit Suisse is in advanced ...


Amazon’s new credit card could backfire on people with bad credit  MarketWatch

Amazon's Credit Builder card has perks that could be pitfalls for some consumers.


Food Basket Receives $33K Donation from HFS Credit Union  Big Island Now

The donation will support the "We Got Your Back" Keiki Backpack Program.


Buffeted by trade winds, soybean farmers seek tax credit renewal  Roll Call

One bright spot in an otherwise dreary outlook for U.S. soybean farmers, caught in the ongoing China trade war crossfire, has been the 1.5 gallons of biodiesel ...


Credit Suisse sues UK to claw back banker bonus tax payments  Financial Times

Credit Suisse is suing the UK tax authorities to recover millions of pounds it paid during the former Labour government's drive to tax bankers' bonuses, according ...


Credit card debt in Hawaii grows at fastest clip in the nation  Hawaii News Now

HONOLULU, Hawaii (HawaiiNewsNow) - Credit card debt in Hawaii grew by 3.4% in the first quarter of 2019 compared to the same period last year ― the ...


This CT City Has Highest Credit Card Debt In The Country  Hartford, CT Patch

CT City Lands Atop Credit Card Debt List - Greater Hartford, CT - Three Connecticut cities landed on a list of those with the highest credit card debt in the ...


Humans consume the equivalent of a credit card worth of plastic every week: Report  ABC News

The consumption of plastic has become unavoidable in recent years, but a new study is proving just how much humans are ingesting on a regular basis.


Amazon Credit Builder is a play for low-income Americans  Quartz

Amazon needs more shoppers, so it's giving people another way to pay. This week, Amazon announced Amazon Credit Builder, a special credit card for US ...


Cory Booker’s Housing Plan Offers Tax Credit to Millions of Renters  The New York Times

Senator Cory Booker of New Jersey on Wednesday unveiled a plan to tackle affordable housing that would provide a tax credit for renters to ensure they would ...


The best credit cards for new homeowners of 2019  USA TODAY

If you've just bought a new home, these credit cards can help you save while settling in.


How hackers used little-known credit-card feature to defraud Lansdale woman, $1.99 at a time  The Philadelphia Inquirer

She was billed $1.99 by Google at least 64 times totaling $127.36 on six different credit cards. Capital One called it an "administrative error."


9 questions to choose the perfect credit card to help you travel the world on points  Business Insider

Not all credit card and airline points are created equal. Look at the points your travel credit card earns on purchases, and be sure you can use them.


How to Build Credit Fast  U.S. News & World Report

Your goal is to boost your credit as fast as you can. If you stick to a few rules, you will increase your credit score within the next few months.


Crime Stoppers: Young suspects believed to have stolen credit cards, handgun  KTSM News Channel 9

Crime Stoppers of El Paso is featuring three people suspected of burglarizing a car, stealing a gun from inside and using credit cards to buy items at a nearby ...


Japan's 'Virginity Crisis' Threatens Credit Rating  Forbes

Japan's "virginity crisis" has gotten lots of attention in recent months. Anthropological sleuths are rightly fascinated by studies showing young Japanese aren't ...


Creamery employee stole company credit card, charged more than $1000, police say  The Daily Freeman

LIVINGSTON, N.Y. — An employee of the Hudson Valley Creamery on U.S. Route 9 has been arrested on charges that he stole a company credit card and used ...


Cities where most residents have credit card debt of $10,000 and higher: report  Fox Business

A new report by CompareCards found Americans living in some of the biggest cities have debt up to $10000 or more.


Credit Suisse, UBS have boosted capital positions: SNB  Reuters

Switzerland's biggest banks, UBS and Credit Suisse, have improved their capital positions but must strengthen their crisis planning, the Swiss National Bank ...


Amazon Just Rolled Out a Tempting New Credit Card With 5% Cash Back. Here’s What You Should Know  Yahoo Finance

Amazon has a new credit card geared towards people with bad credit, and it comes with the possibility of 5% cash back on most Amazon purchases. But the ...


Humans eat a credit card-size amount of plastic every week: study  New York Post

Plastics are polluting not only our oceans and waterways but also marine life and humans. Urgent, global action is needed to face this crisis,” the WWF said.


Marriott Bonvoy Bold: New Marriott Credit Card With No Annual Fee  Forbes

Earlier today, Marriott International and Chase Card Services launched the first Marriott co-branded credit card with no annual fee: the new Marriott Bonvoy Bold.


Two new tools can help you achieve a good credit score  USA TODAY

The guidelines for building good credit have not changed much, but now two new tools are available: Experian Boost and UltraFICO.


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

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


Tuition tax-credit program benefiting private schools survives  Crain's Chicago Business

The program, which Gov. J.B. Pritzker promised to phase out and teachers' unions opposed, escaped a slow death during the just-adjourned session of the ...


People consume a credit card-size amount of plastic each week: report  Fox Business

A new analysis by the University of Newcastle, Australia and the World Wild Fund for Nature (WWF) found the average person consumed about 5 grams of ...


Is There a Men in Black: International After Credits Scene?  IGN

By Scott Collura If you're wondering whether or not Men in Black: International has an end credits scene, then look no further. But if you somehow wound up ...


ZACHARY: Give credit where credit is due | Columns  Valdosta Daily Times

No reasonable person wants a trade war with Mexico.


Credit Scores Could Soon Get Even Creepier and More Biased  VICE

Credit scores based on AI and non-traditional data such as your social media profile could usher in a whole new way for banks to discriminate.


Iowa officials consider energy storage tax credit, 'value of storage' study  Energy News Network

The recommendations are contained in an energy storage report stemming from the state's 2016 energy plan.


Buyout Firms Are Gorging on Credit. This Investor Has Concerns.  Institutional Investor

The development of private credit is the fundraising phenomenon of the past eight years. But the impact of soaring credit businesses on the valuations and stock ...


Why doesn't your credit score come from the government?  The Week Magazine

It's fair to say that most Americans live in quiet fear of their credit score. That little number often decides whether you can buy a home, purchase a car, or even get ...


How Do Contactless Credit Cards and Payments Work?  U.S. News & World Report

Tap-and-go credit cards allow users to pay for purchases faster. And an increasing number of vendors offer terminals that let you take advantage of this feature.


Goldman CEO says he's testing the bank's credit card with Apple and consumers are going to love it  CNBC

Solomon is personally testing the iPhone-lined credit card, which is set to be released this summer, Solomon said in an interview with Carl Quintanilla.


DNC takes out $10 million credit line | TheHill  The Hill

The Democratic National Committee (DNC) has taken out a $10 million line of credit as it ramps up for the 2020 presidential election. The DNC said it had ...


Iowa Students Earn PE Credit by Doing Yard Work for the Elderly and People With Disabilities  PEOPLE.com

"It's been amazing, the attention this has gotten," says the social studies teacher who started the program.


Citi launches credit cards with Southeast Asia's Grab in push for more customers  CNBC

The co-branded credit cards are launched to boost its Asian customer base by about 13% via partnerships with digital firms, a senior Citi executive said.


Does ‘Godzilla: King of the Monsters’ Have a Post-Credits Scene?  TheWrap

Does the latest live-action "Godzilla" movie provide any fun extra scenes after the credits roll or tease next year's "Godzilla vs. Kong??


Moody's latest action over Turkey's credit rating casts shadow over its objectivity  Daily Sabah

Turkey criticizes Moody's move to downgrade its credit rating, saying it is incompatible with the country's fundamental economic indicators and raises question ...


Twitter Outraged as Elon Musk Refused to Credit Web Artist’s Work  Sputnik International

The billionaire inventor often gets lots of attention from his tweets, as he frequently posts memes, pop-culture references or simply things that he likes, however ...


Railroad Workers' Descendants Notice Lack Of Credit For Chinese Immigrants  NPR

Chinese immigrants helped build America's first transcontinental railroad in the 1860s, but their contribution has been largely forgotten. A group of their ...


There's a simple rule to follow to figure out how many credit cards is too many  Business Insider

How many credit cards you should you have? There's no definitive number, but make sure you can pay off every balance in-full and on-time.


Your Illinois News Radar » Moody's: Budget, capital bills “credit positive” for local governments, schools  The Capitol Fax Blog

Moody's has issued a short, new report (attached) following the State of Illinois' (rated Baa3/stable outlook) recent flurry of legislation and signing of the FY 2020 ...


Portland poised to make it easier for people with bad credit, criminal histories to find a place to rent  OregonLive.com

After weighing a slew of tweaks Wednesday, the Portland City Council appears poised to push landlords to be more forgiving when they screen prospective ...


If Denverites paid off their credit card debt, they could afford to buy the Denver Broncos  The Denver Post

Residents owed more per average household than what WalletHub calls "the breaking point."


Case activity for First Community Credit Union vs Evan Officer on June 14  St. Louis Record

The St. Louis 22nd Judicial Circuit Court reported the following activities in the suit brought by First Community Credit Union against Evan Officer on June 14:


The Army launches plan to give college credit for training soldiers are already doing  ArmyTimes.com

If all goes according to plan, in the next few years, soldiers with pre-enlistment college credit or using Army tuition assistance funds to pursue degrees will be ...


Bill de Blasio takes credit for saving iconic bookstore as owner says his actions could destroy it  Washington Examiner

New York book lovers (as well as visiting book lovers) are intimately familiar with the Strand, an iconic independent bookstore in Greenwich Village with millions ...


NBCUniversal commits big time to New Mexico following juiced up tax credit...  Atlanta Journal Constitution

NBCUniversal, which runs TV networks such as NBC, USA, Bravo, Oxygen and E!, has committed 10 years and at least $500 million to do productions in New ...


Spanish police arrest Bitcoin launderers in international credit card fraud case  The Next Web

Spanish police have arrested 35 people allegedly involved in an international counterfeit bank card ring which laundered its profits using Bitcoin.


Chase Launches a Student Credit Card  NerdWallet

Chase has launched a new student credit card. Students can now consider the Chase Freedom Student credit card in-branch-only offer.


Lingering Obama-era Move at CFPB Now Threatens Credit Markets  Townhall

As college graduates have their commencement celebrations, they certainly hope their hard work will pay off. After all, in the booming Trump economy and with ...


Delinquency Rates Rise as Canadian Credit Card Balances Grow  Bloomberg

Delinquency rates in Canada climbed to the highest in two years as consumers added to credit card debt and auto loans took longer to pay off, according to ...


Several States Want To Use Credit Cards At EV Stations, Security Concerns Arise  Carscoops

A number of states across the U.S. are proposing to install magnetic stripe credit card readers at publicly-funded electric vehicle charging stations – and that's ...


When to Use Cash Instead of Credit  Lifehacker

I know. It's 2019. We have contactless cards, peer-to-peer mobile payment systems, and services that will offer you an installment loan for a pair of pants. But I'm ...


Here's what to know about about Chase's Marriott Bonvoy Bold credit card  AOL

If you're obsessed with racking up credit card points, this is your big week: Marriott and Chase are rolling out their new Marriott Bonvoy Bold credit card, and the ...


Authorities use tracking info to find accused credit card thief  WHNT News 19

MORGAN COUNTY, Ala. - A victim of identity theft told authorities someone was using their credit card to buy designer shoes, cell phone *service*, inmate phone ...


Closing a credit card account can actually hurt your credit score, survey finds  CNBC

Nearly 6 in 10 Americans don't know that closing a credit card account can actually hurt your credit score, according to a new survey.


Credit card skimmers found on pumps at NW Houston gas station  KTRK-TV

Card skimmer devices were found on two pumps at the Valero gas station on 43rd Street at Rosslyn in northwest Houston.


Why you should have an international credit card  MarketWatch

An international credit card can be used pretty much anywhere in the world. It's a card that doesn't charge foreign transaction fees and includes an international ...


Millennials get all the credit for embracing city living. But the trend started with Generation X  MinnPost

Yeah, yeah, millennials like cities. You don't have to venture too far into Uptown, Northeast or the North Loop in Minneapolis to see how members of that ...


Not getting approved for premium credit cards? Here are 3 reasons why  Business Insider

If you're trying unsuccessfully to apply for a new credit card, here are some of the most common reasons you may be experiencing trouble.


CT residents rank high in credit card debt; Bridgeport #1 in US  CTPost

Feeling squeezed by credit card debt? You're not alone. Recommended Video. Speed. Normal. Quality. Auto. Quality. Speed. 0.25. 0.50. 0.75. Normal. 1.25.


Police: Credit union employee stole from friends  ABC27

LANCASTER, Pa. (WHTM) -- A former credit union employee is accused of stealing from a family who considered her a friend and fraudulently using the identity ...


White Sox’ Lucas Giolito gives credit where credit is due  Chicago Sun-Times

It's time to give credit where credit is due: Lucas Giolito's stunning turnaround from arguably the worst starting pitcher in baseball to perhaps the best from last ...


White House official says Pelosi is endangering nation's credit | TheHill  The Hill

Acting White House budget director Russell Vought is accusing Speaker Nancy Pelosi (D-Calif.) of risking a national default by insisting that a deal on spending ...


Hispasat buyer secures 500M euro credit line • ESA, Polish firms study rocket tech • CETel buys UK teleport operator  SpaceNews

Red Eléctrica said the credit line, formalized June 12, is available for five years with the possibility of extension to seven years.


Electric vehicle drivers at risk if states mandate use of credit cards at charging stations: report | TheHill  The Hill

Drivers of electric vehicles could become the target of cyber criminals if new state rules requiring the use of credit card readers at charging stations go into effect, ...


Where SAPD found 22 credit card skimmers in May  mySA

San Antonio police found nearly two dozen skimmers last month, according to records obtained by mySA.com. In May, San Antonio police found 22 credit card ...


Brex raises $100 million at $2.6 billion valuation for startup-friendly credit card  VentureBeat

Brex, which offers corporate credit cards for startups and scale-ups, has raised $100 million at a $2.6 billion valuation -- less than a year after launch.


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