Credit Information


Credit Information

What You Need to Know About Interest Rates


For all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differences in rates and payment amounts can be.

Credit Scores and Loan Applications


Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.

How to Repair a Bad Credit Rating


If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.Once you have a bad credit rating, it might seem like there's nothing that you can do about it? but you don't have to believe that.

What is a Bad Credit History?


A bad credit history can sometimes seem like a curse..

Big Brother Knows Whats in Your Credit Report - How About You?


Whether you are aware of it or not, credit bureaus have been keeping tabs on you and how you use credit. When it's time for you to apply for a mortgage, credit card, or personal loan, your credit report is what lenders look at to decide to approve you or not.

Myths and Truth about Credit Scoring


Credit score is the key factor determining approval of almost any type of credit. It is based on the information contained in your credit report files.

Credit Trap: What They Dont Tell You About Credit Cards In College


In industrialized nations, going into debt starts early. It's easy for an eighteen-year-old to get credit cards and fall into debt, especially if they're headed for college.

FREE Credit Report Offer - Careful, It Might Carry Hidden Charges


FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business?Don't worry about their finances.

7 Ways To Squash Identity Theft


It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card number, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already done.

3 Free Credit Reports For You


If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it.

How You Can Help Prevent Identity Theft


How can I prevent Identity theft from happening to me? Never leave your receipt or slip in the ATM or gas pump. Pay attention to your habits, lock up or organize and file your bills, and bank statements.

How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores?


Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit scoring.

Understanding Credit Card Penalties


Because most of us have one or two credit cards and we use them every day, understanding credit card penalties and fees is a significant issue since one time or another we have paid a penalty for some reason. Every user of a credit card must first understand that every charge on the credit card represent a loan which must be repaid.

Dont Fall For A Scheme When Trying To Rebuild Your Credit History


For people with a spotty credit history or bad credit, getting approved for a standard credit card can be difficult, if not impossible.There are a number of credit card options that are aimed specifically at people who have bad credit and are trying to rebuild or repair it.

The Exact Action To Take When You Find Errors In Your Credit Report


There are times when you may be turned down for credit and you do not understand why.According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on state benefits, or believe that your credit report is incorrect because of fraud.

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MORE RESOURCES:
5 ways bad credit can keep you from being a functional adult  USA TODAY

Having bad credit won't just cramp your spending style – it might prevent you from getting a good mortgage or auto loan rate or even an apartment.


Parents are giving their 8-year-olds credit cards  MarketWatch

Parents give their kids a lot of credit. Nearly one in 10 parents (8%) with kids under 18 say that at least one of those children has a credit card, according to a ...


It's 'show time' for Apple: News, video streaming and credit card with Goldman Sachs  ABC News

So this is what Tim Cook does with $1 billion. That's the amount that Apple has invested in developing its entertainment division, including original programming ...


How I Built $500 in Credit to $500,000  Entrepreneur

I was raised to believe that debt was bad. If you needed a car, you paid cash. Same went for groceries and clothing and most other things. You paid with paper ...


I paid off my mortgage early with a credit card and earned thousands of points — here’s how I made it work for me  Bankrate.com

My husband and I earned around $2000 in credit card rewards by paying off our mortgage early with one simple tool few people even know about. And we did it ...


UK unlikely to leave the EU without a deal, Credit Suisse says  CNBC

The possibility of the United Kingdom leaving the European Union without a deal in place can be ruled out, according to a senior Credit Suisse banker.


Brazil overtakes China in consumer sentiment, according to Credit Suisse survey  CNBC

Brazil has overtaken China in terms of consumer sentiment, as the world's second-largest economy slows and spending intention on big ticket items decline, ...


Trump is again criticizing the Fed. Could that hurt the U.S. credit rating?  Washington Post

On Thursday, President Trump once again criticized the chair of the Federal Reserve, Jerome H. Powell, blaming the central bank for the U.S. economy's ...


States Push For Caregiver Tax Credits  Kaiser Health News

Families often spend thousands of dollars caring for ailing loved ones at home. Lawmakers in California and at least seven other states want to provide some ...


Asia is resilient and can bounce back in the face of challenges, says Credit Suisse regional CEO  CNBC

The Asia Pacific CEO of Credit Suisse, Helman Sitohang, tells CNBC why he is bullish on the region's growth.


Trump Is Trying To Remove Oversight Of College Outsourcing, Credit Hours  Forbes

President Trump, through his Education Secretary Betsy DeVos, is proposed a series of changes to what colleges and their accreditors can do including ...


The Credit-Card Kingmaker  The Wall Street Journal

Not so long ago, Brian Kelly was an HR employee. Now as founder and CEO of The Points Guy, a website that reviews rewards cards, he is one of the most ...


We Energies stops reporting to credit bureaus, impacting some customers’ credit scores  WITI FOX 6 Milwaukee

MILWAUKEE -- A recent decision by a major utility company is having unintended consequences for some customers. Lynn Crump is an aspiring business ...


How's your credit card balance? In Louisville, it's likely to be high  Louisville Business First

Louisville residents make the top 10 when it comes to using the biggest portion of their credit cards' available credit.


MOVES-Muzinich hires GAM's Kubli for new structured credit role  Reuters

LONDON, March 25 (IFR) - Muzinich & Co has hired ABS investor Laurence Kubli from GAM Investments. She joins in a newly-created role as structured credit ...


Canada plans its first nationwide EV tax credit  Green Car Reports

Just as President Trump is threatening to eliminate the plug-in vehicle tax credit in the U.S. through his latest budget proposal, Canada is planning to implement ...


5 Reasons You Should Pay With Credit Cards  Fox Business

Image source: Getty Images. Wise credit card usage requires discipline and planning, and slipping up can lead to fees, hits to your credit score, and ...


Credit Suisse double revises its S&P target  Axios

Wall Street dialed back its bullish S&P targets after 2018's end-of-year selloff. Now a few analysts are starting to ratchet their targets back up. What's happening: ...


My Turn: Tax credit program is vital to my son's education, well-being  Concord Monitor

I am a divorced mother of an 8-year-old boy with special needs. My son, who is in the second grade this year, has been fortunate enough to be awarded a ...


Prime members get $10 of Amazon credit with their pre-order of Pokémon Sword or Shield  iMore

Just last month, Pokémon Sword and Shield were unveiled to the world — the first new generation games to reach the Nintendo Switch console. Though there ...


OFS Credit: The Littlest CLO Fund  Seeking Alpha

OFS Credit brings *fresh* life to the retail CLO space.Investing in CLOs without adding their own leverage offers a new conservative approach.The dividend is ...


The precarious, often predatory, world of credit in antebellum Virginia  William & Mary News

Amanda Gibson is compiling evidence that traces today's predatory financial practices to economic victimization of free and enslaved African Americans in the ...


Market Is Back in 'Buy on Dips,' Says Credit Suisse's Porter  Bloomberg

William Porter, head of European credit strategy at Credit Suisse Securities, discusses what the U.S. credit market is saying about the yield curve, Fed policy, ...


Nussle: Living Up to Our Credit Union Difference | 2019-03-24  CUNA News

The credit union movement must consider the role they play in ensuring a harassment-free environment within the credit union movement, CUNA President/CEO ...


Youth social credit app – Confucian dream or Orwellian nightmare?  South China Morning Post

People with good scores can enjoy training and employment perks, and rewards can be expanded to flat rentals, overseas education, dating and even marriage.


3 Tax Credits Middle-Class Households Should Know About  The Motley Fool

Being middle-class in America often means getting stuck in a financial rut. You're not earning enough to really get ahead, but you're not entitled to some of the ...


Lompoc book store gives kids store credit for good grades  KEYT

Books stores are becoming extinct. But one of the last standing book stores in Lompoc is holding on strong and rewarding kids who get good grades.


The 10 cities where American families have the most credit card debt  CNBC

In 2018, total credit card debt in the U.S. reached a high of more than $1 trillion, according to data from the Federal Reserve. As of 2019, individual households ...


Masked robber flees on foot from Bettendorf credit union  WQAD Moline

A man with a handgun attempted to rob the IH Mississipi Valley Credit Union on March 23.


Farm Credit Mid-America to distribute $146 million in Patronage program  New Philadelphia Times Reporter

NEW PHILADELPHIA Farm Credit Mid-America, which has a local office in Sugarcreek, is returning $146 million to eligible customers as part of its Patronage ...


Are credit unions ready for the 'fourth industrial revolution'?  Credit Union Journal

Institutions that fail to embrace AI, machine learning and data analytics could quickly find themselves losing ground to competitors.


Ball State Federal Credit Union Brings Lunch to Campus Police Dept  Muncie Journal

Muncie, Indiana – Ball State Federal Credit Union, a full *service* financial institution with a main office, student center branch, and ATM locations to serve ...


Consumers in what Phoenix-area cities have highest credit-card debt? And see who's paying it down.  AZCentral

Credit card debt in the U.S. hit a $1.03 trillion high in 2019, according to WalletHub. See how metro Phoenix's use of plastic fits into the mix.


What do people in China think about ‘social credit’ monitoring?  Washington Post

China's emerging “social credit” system has prompted discussion about whether this is an Orwellian dystopia, a chapter in Aldous Huxely's “Brave New World” or ...


Hot Rally Raises Questions of What's Really Cooking in Credit  Bloomberg

A funny thing happened in the debt market this week. A $3.2 billion loan deal once chastised as “the worst ever” in terms of investor protections drew $9 billion ...


70% of Americans with credit card debt admit they can't pay it off this year  CNBC

Only about 30 percent of Americans with credit card debt believe they'll be able to pay it off this year, according to a new survey by the real estate site Clever.


Watch Credit Markets This Coming Week  Seeking Alpha

Of the 11 S&P 500 sectors, Financials are the most oversold after last week, and Treasuries and interest-rate sensitive sectors are overbought. But watch how cr.


Credit cards with the coolest perks: Wine tastings, museum admission, free hotels  Mashable

The only thing standing between you and that baller lifestyle is one of these credit cards.


Law and Order: State Street woman accused of using stolen credit cards around Batavia  The Batavian

Amanda Marie Bowles, 33, of State Street, Batavia, is charged with: second-degree forgery -- four counts; first-degree identity theft -- four counts; criminal ...


Lenders are quietly lowering FICO credit score requirements for mortgages  Bankrate.com

Getting approved for a mortgage is becoming easier as some lenders are loosening their FICO score requirements and raising the ceiling on debt-to-income ...


SC group spreads word about earned income tax credit  SCNow

FLORENCE, S.C. – A new organization in South Carolina has made a mission out of making sure that those who are eligible take advantage of the earned ...


NJCDC in Paterson getting $300k through state tax credit program  NorthJersey.com

PATERSON – A city nonprofit organization is getting $300,000 through the state's Neighborhood Revitalization Tax Credit (NRTC) program, funds that the group ...


Credit Suisse Boosts Thiam's Pay 30% After Flip to Profit  Bloomberg

Credit Suisse Group AG boosted Chief Executive Officer Tidjane Thiam's compensation by about 30 percent even as the stock slumped, a move that risks ...


New school choice federal tax credit bill introduced in House, Senate  Crux: Covering all things Catholic

A new piece of legislation endorsed by Secretary of Education Betsy DeVos could put Catholic or other religious schools within reach of many families who ...


Opinion: Don't extend electric vehicle tax credit  The Detroit News

The federal government has for several years provided incentives for the production of electric vehicles. The largest incentive is the tax credit for the purchase or ...


Do I Need a Business Credit Card If I'm Self-Employed?  U.S. News & World Report

Consider where a business credit card fits in your entrepreneurial plans.


Apple And Goldman Sachs Are Launching A New Credit Card. Here Is What We Know  Forbes

Apple and Goldman Sachs are teaming up to launch a new consumer credit card. The move, expected to take place later this spring or early summer is their ...


Luke Bryan coming to the MidFlorida Credit Union Amphitheatre in Tampa  Tampa Bay Times

The country superstar joins Live Nation's 2019 Country Megaticket, though you'll have to wait to buy a single ticket for the show.


Brevard to re-examine active contract with Penn Credit after indictment  Florida Today

Brevard County has a contract with the debt collection firm Penn Credit Corp., which last week was indicted in Illinois, along with its owner, on bribery charges.


Rashida Tlaib bill would make it easier for people like me to pay for car insurance  Detroit Free Press

My credit score is a mystery to me. It is inexplicably bad, even though the overwhelming majority of things I am obligated to pay — rent, bills, auto insurance ...


The 3 biggest mistakes people make around credit card points  CNBC

When it comes to points, earning them "is really easy," says points expert, Brian Kelly, but, "spending them — this is where it gets tricky."


Kohler Credit Union donates homes to local fire department for training | Briefs  The Sheboygan Press

Kohler Credit Union has donated two homes to the Town of Sheboygan Fire Department for training opportunities. The credit union also invited Habitat for ...


HPD searching for person of interest in credit card fraud case  WDAM

HATTIESBURG, MS (WDAM) - The Hattiesburg Police Department is asking for the public's help in finding a person of interest in an ongoing credit card fraud ...


The Fed is prodding Americans to buy more on credit  Reuters

The Federal Reserve's decisive statement this week that interest rates are unlikely to rise this year sends a signal to U.S. households: keep buying stuff.


College of Eastern Idaho to bump dual credit classes by $10 per credit for fall 2019  East Idaho News

IDAHO FALLS — The College of Eastern Idaho board of trustees recently voted to increase the cost of a high school dual credits from $65 to $75 starting fall ...


Morning Press: Walmart closure; Utility bill credit; teens in middle school disturbance  The Columbian

In case you missed them, here are some of the top stories of the week:


5 Places It's More Dangerous To Pay With A Debit Vs. Credit Card  HuffPost

Making purchases on your debit card might seem like the responsible thing to do. After all, credit cards make it easier to spend more money than you actually ...


AP fact check: Trump takes credit for law named after McCain  PBS NewsHour

The president routinely takes full credit for the Veterans Choice Program, which was expanded last year but first signed into law in 2014.


Earl Warren Showgrounds Turns to Line of Credit to Cover Operating Costs  Noozhawk

Facing fierce financial headwinds, Earl Warren Showgrounds recently had to take out a line of credit to cover payroll and operating costs through the month of ...


What to Do About Fraudulent Credit Card Charges  U.S. News & World Report

Federal law limits financial losses when your credit card goes missing, but you still must take steps to protect yourself from identity theft.


Does Jordan Peele’s ‘Us’ Have a Post-Credits Scene?  TheWrap

Peele's new horror flick "Us" is quite a mindbender, so you might be wondering if it's got any bonus bits after the credits to help you break it down.


Delta is running a last-minute deal on its credit cards — their bonuses are worth double the normal amount  New Haven Register

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a ...


'Hellboy' Star David Harbour Takes Artist Credit Matter Into His Own Hands  Comicbook.com

Ahead of the Hellboy relese next month, there's been a bit of controversy surrounding proper crediting of the creators behind the source material the movie ...


Zack Snyder's Original 'Justice League' Plans, Deleted Post-Credit Scene Revealed  Comicbook.com

Many fans are still wondering what actually happened with Justice League and the future of the DC Comics movies that never panned out. After Batman v ...


The Best Business Credit Cards That I Can Be Approved for  Nav

The world of business credit cards can be hard to navigate. Fortunately, with a quick business credit score check, you can know where to go.


Rep. Ruben Gallego slams school choice in Arizona, DeVos school tax credit proposal  AZCentral

U.S. Rep. Ruben Gallego says Arizona's decades-long experiment in school choice has "coincided with a decline in the performance our public schools."


Man charged in robbery 'decided to try something new today, so I robbed a bank'  Appleton Post Crescent

APPLETON - A 19-year-old man arrested in connection with the Friday robbery of Community First Credit Union on West Spencer Street told police he "decided ...


Credit card skimmers reported in Galesburg have impacted dozens, pulled more than $18,000  WQAD Moline

Dozens of people in Galesburg were the victims of fraudulent charges because of credit card skimmers that took their information.


The U.S. should get more credit for ending slavery ‘within 150 years,’ Fox panelist says  The Washington Post

"The truth is, throughout human history, slavery has existed, and America came along as the first country to end it within 150 years," contributor Katie Pavlich said ...


Felony shopping spree: Women charged with credit card fraud  WJTV

The Oxford Police Department took a credit card fraud report from a victim at Belles and Beaus on August 2, 2018.


The Points Guy: Stop making these 3 mistakes if you want to maximize credit card points  CNBC

Earning points "is really easy," says the Points Guy, Brian Kelly, who built a business around maximizing credit card points. But "spending them — this is where it ...


Quick tips to repair your garbage credit score  NEWSREP

We're all professionals and adults. We're aware of our credit scores and understand how they are key to our financial plight or success. We realize that.


Analysis | Klobuchar cites bad data to claim credit for reducing black incarceration  The Washington Post

Sen. Amy Klobuchar (D-Minn.) claimed the incarceration rate for African Americans dropped 65 percent when she was a prosecutor. But that's because of a ...


When the U.S. falls into a recession, a credit bubble will explode  MarketWatch

The European Central Bank this month said it would keep record-low interest rates for longer. The news comes shortly after the U.S. Federal Reserve gave in to ...


UNC's Luke Maye gives Coach Roy Williams credit-but just a little  Charlotte Observer

UNC's Luke Maye tells reporters that coach Roy Williams fired up the Tar Heels at halftime with his speech about playing better defense in their NCAA ...


5 small mistakes that can hurt your credit score  WATE 6 On Your Side

KNOXVILLE, Tenn. (WATE) - The next time you check your credit score, you might discover it has taken a tumble because of a seemingly small mishap on your ...


'This Is Us' star Chrissy Metz on her worst credit card fail, why she shops at Costco and her Warren Buffett mindset  CNBC

Chrissy Metz went from being broke with 81 cents in her bank account one minute, to starring in NBC mega-hit "This Is Us" practically the next. Today, the ...


Suspect sought in credit card thefts  WVVA TV

(WVVA) Police in Bluefield, Virginia are asking for the public's help in identifiying a suspect wanted on multiple felony charges.


Credit card fraud shuts down bail option in Champaign County  Champaign/Urbana News-Gazette

URBANA — About 10 people have been released from the Champaign County Jail since the first of the year after having posted bail using stolen credit card ...


Apple and Goldman Sachs Co-Branded Credit Card  iMore

Apple is said to be partnering with Goldman Sachs on a consumer credit card in an effort to bolster its services income.


North Huntingdon OKs fire tax credit deal with Irwin, but with a hitch  Tarentum Valley News Dispatch

North Huntingdon residents already volunteering with Irwin's fire department or emergency medical *service* will get a tax break similar to one proposed for Irwin ...


The Surprising Reason You Should Cut Your Rewards Card Into Tiny Pieces  Forbes

If you're looking for a reason to cut your up your rewards card, talk to Patricia Newman. She contacted me after signing up for a United MileagePlus credit card, ...


These Loans Aim to Help Borrowers Build a Credit History  The New York Times

Two financial tech start-ups are offering credit-builder loans, which also help customers grow their savings.


Credit Suisse raises S&P 500 forecast, sees 20% gain for 2019  CNBC

Underneath the stock market's epic rebound has been a "more favorable" trend that Credit Suisse says will drive the market higher. The bank dialed up its ...


Taxes From A To Z 2019: E Is For Earned Income Tax Credit (EITC)  Forbes

It's my annual “Taxes from A to Z” series! This time, it's Tax Cuts and Jobs Act (TCJA) style. If you're wondering whether you can claim home office expenses or ...


Study: Personal health app data is being leaked to credit companies, more  PhillyVoice.com

New research shows there is a hidden privacy risk in plugging sensitive personal health information into common health apps used to keep track of medication ...


Westminster man arrested after allegedly stealing credit card, charging more than $2,700  Carroll County Times

Brian Scott Johnson, of Westminster, was charged with 39 counts after allegedly making more than $2700 worth of purchases with a stolen credit card.


Big Religion May Have Gotten Too Much Credit for the Evolution of Modern Society  Scientific American

Scientific American is the essential guide to the most awe-inspiring advances in science and technology, explaining how they change our understanding of the ...


New study highlights just how bad Americans are with credit cards  Yahoo Finance

A new study highlights how Americans manage credit cards and just how stressful credit debt can be.


Cuomo backs axing $420M film tax credit to fix budget discrepancy  New York Post

There's $3 billion dollar funding gap between Cuomo's $175 billion new budget proposal and the Senate's spending plan.


Credit Bank of Moscow successfully issued its second $500mn Eurobond this year  bne IntelliNews

Leading Russian commercial bank Credit Bank of Moscow (CBOM) successfully issued its second $500mn Eurobond this year on March 22, the bank said in a .


Facebook moves to stop discrimination in housing, employment and credit ads  NBC News

Facebook will create the portal as part of a settlement with civil rights organizations and labor groups that had accused the company of enabling discrimination.


'Gutsy' Lance Stroll will get credit he deserves - Racing Point  autosport.com

Racing Point team principal Otmar Szafnauer says new signing Lance Stroll is a "gutsy racer" who will eventually get due credit for his Formula 1 performances.


MyEquifax.com Bypasses Credit Freeze PIN  Krebs on Security

Most people who have frozen their credit files with Equifax have been issued a numeric Personal Identification Number (PIN) which is supposed to be required ...


Standard & Poor's raises Croatia's credit rating  Emerging Europe

For the first time in six years, ratings firm Standard & Poor's has raised Croatia rating to BBB-/A-3. The upgrade reflects Croatia's improving fiscal metrics, ...


Showdown looms over school scholarship tax credit | Capitol View  Minnesota Public Radio News

Republicans said they want Gov. Tim Walz to be open-minded when it comes to tax credits for private scholarship donors. The DFL governor says the proposal ...


McDonald's employee charged with stealing credit card info from 14 customers  Fox Baltimore

COLUMBIA, Md. (WBFF) - A teen employee at a Howard County McDonald's has been accused of stealing customers' credit card information, reported Howard ...


How a Monthly IRS Tax Refund Could Pay Your Rent  CityLab

The 2020 Democratic Party hopefuls are both planning bills that would create a tax credit for housing rental assistance every month. How would that work?


These moves can tank your credit score  CNBC

Experts warn that other moves you make can drag down your score.


Mental Illness Cleaned Out My Bank Account And Destroyed My Credit  HuffPost

Sitting in front of my computer all night impulse-buying clothes, shoes, gimmicky skincare products, or a high-end espresso machine gave me an undeniable...


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