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:

Where to get interest-free loans as the longest-ever government shutdown continues  CNBC

Amid the stalemate in Washington, credit unions and banks are offering accomodations to federal workers. Their best offers include interest-free loans.


This is the average credit card balance for the typical American  Quartz

People in the US hold over $1 trillion in credit card debt. Credit cards are the most essential source of day-to-day financing for millions of Americans. Yet little is ...


3 ways a new credit card can boost your side job  Washington Post

Simplify your taxes and maximize your income with a separate credit card for your side job.


How to Get a Mortgage With Bad Credit  U.S News & World Report Money

Bad credit doesn't have to keep you from buying a home. But you may have a better shot if you apply for a government-backed mortgage, like an FHA loan.


Forge First Gains In December On Credit Card Shorts  Seeking Alpha

Forge First Asset Management is an alternative asset manager offering investment solutions that find a balance between asset protection and capital ...


How to Protect Your Credit Score During the Government Shutdown  U.S. News & World Report

You can survive the government shutdown and limit the damage to your credit score.


Best Business Credit Cards for Accountants  Nav

If you own your own accounting business, you see a lot of numbers every day. Here are some business credit cards with numbers you'll love to look at.


Does ‘Glass’ have an after-credits scene? Audiences surely expect one.  The Washington Post

Before we begin, here's the answer you came for: No. Once “Glass” ends, it ends. There's no post-credits scene. That's it. Donezo. Caput. Finished. That might be ...


3 good reasons your side gig should have a separate credit card  MarketWatch

A separate credit card for business purposes can help simplify things and maximize your income.


Police looking for man who charged $10K to stolen credit cards  ABC27

Police are trying to identify a man who stole credit cards from a YMCA locker and then racked up about $10000 in charges at Apple stores in Lancaster and ...


The role women play in the success of their billionaire husbands  CNN

Jeff Bezos, the Amazon founder and CEO, and his wife MacKenzie, a lauded novelist and former accountant for Amazon, recently announced their 25-year ...


For Credit Unions, Government Shutdown Holds Potential for Both Growth and Risk  Morning Consult

The partial government shutdown could benefit at least one sector in the finance industry in the short term: credit unions, which could see a boost in membership ...


Here come the defaults: Credit outlook darkens  CNN

Sears, Toys 'R' Us and Gymboree might just be the tip of the iceberg. Financial institutions are bracing for more companies to default on the debt they've piled on ...


Freezing Cold A Good Reminder To Enable A Credit Freeze  WXPR

With the freezing temperatures outside, state consumer officials say another kind of freeze could be helpful to you and keep you from being left out in the cold.


Signet hit with $11M penalty for deceptive credit practices  Retail Dive

New York State Attorney General Letitia James and the Consumer Financial Protection Bureau (a federal office established in 2010 through the post-financial ...


Dow Chemical Employees' Credit Union makes record payout to members  Credit Union Journal

The Midland, Mich.-based institution returned $19.4 million to members for 2018 through rewards and dividends.


Credit where its due  247Sports

Clemson's offensive line deserves all the credit for its national title performance vs. Alabama.


North Bay professionals news: Redwood Credit Union, Bregante + Co. and more  North Bay Business Journal

Matt Martin is promoted to senior vice president of community and government relations for Redwood Credit Union. Other North Bay news from Bregante + ...


Cowley County Sheriff searches for suspects in credit card theft  KWCH

The Cowley County Sheriff's Office is asking for the public's help in identifying multiple suspects responsible for using stolen credit cards from a Kansas school ...


Thousands of Marylanders receive student loan debt relief tax credit  WBAL TV Baltimore

More than 9494 Marylanders were eligible for student loan debt relief in 2018 as the state awarded more than $9 million in tax credits, the governor's office ...


Credit Suisse tells clients to sell into a 5% stock rally it sees coming  CNBC

Reduced corporate profit expectations, tightening financial conditions due to Federal Reserve actions and elevated levels of corporate debt are three of the ...


Beaumont Children's patient inspires Zeal Credit Union to expand outreach for Children's Miracle Network  Dearborn Press and Guide

In June 2018, Zeal Credit Union made an auction donation of $500 which was matched by the Michigan Credit Union League (MCUL) for a signed and framed a ...


Attorney could keep wolf from the door over credit card debt  Houston Chronicle

Q: Should I hire an attorney if a creditor has sued me for nonpayment of a credit card? What happens if I don't have the money to pay the bill and court fees?


Police: 2 men charged after items purchased with unauthorized credit card  WJAC Johnstown

Two men are facing charges after police said they used an unauthorized credit card to purchase three generators from a Cambria County store. Police said the ...


Betty Lin-Fisher: Retailer's no-cash policy surprises woman with no credit card  Akron Beacon Journal

A few weeks ago I received a call from a reader with an interesting issue.The 67-year-old Akron resident only uses cash and checks. She has no credit or debit ...


Credit union teller ordered to pay back $642,000, sent to prison  lehighvalleylive.com

A Lehigh County credit union employee was ordered Thursday to pay back $642,000 she took from the financial institution where she worked and to spend 30 ...


Bank OZK rebounds, emphasizes focus on credit quality  American Banker

A spike in charge-offs in the third quarter stoked concerns about commercial real estate exposure. Shares in the Arkansas company rose after it reported its ...


Which Southwest credit card should you open to get the Companion Pass deal  Business Insider

The Southwest Rapid Rewards Priority Credit Card is the clear best choice for most Southwest customers looking to get the Companion Pass deal this month.


Former Allentown Federal Credit Union employee gets prison for embezzling  Allentown Morning Call

A former Allentown Federal Credit Union employee was sentenced Thursday to 2 1/2 years in prison for embezzling more than $641000 from customers' ...


What Is A Home Equity Line Of Credit And How Does It Work?  Forbes

If you own a home, you've probably heard of a home equity line of credit before. However, these products can often be the something of a mystery, especially to ...


Fortnite vulnerability could have left millions of credit cards exposed  The Next Web

Just as triumphant reports come in about Fortnite's success, the world's most popular game is forced to contend with stories about security vulnerabilities that ...


Action 9 investigates new credit score hurdle for some home buyers, renters | WFTV  WFTV Orlando

Action 9 investigates how credit scores are now used by a condominium board to make renting or even buying a unit almost impossible.


Best Credit Card for Travelers? Probably Not One From an Airline  The New York Times

You've heard the pitch on your flights: Apply for an airline's credit card and get perks like waived bag fees, priority boarding and miles for every dollar you spend.


Suspect captured after robbery at Bristol, VA credit union  WJHL-TV News Channel 11

Police have revealed the identity of the man arrested for a Thursday morning bank robbery.


Police: Suspect Using Stolen Vehicle, Credit Cards  KDRV

Medford Police are seeking a suspect in multiple vehicle break-ins, believed to be using a stolen car and credit cards.


Jewelry Retailer Accused of Opening Fake Store Credit-Card Accounts  Wall Street Journal

Signet Jewelers agreed to pay $11 million in penalties to regulators for allegedly opening credit-card accounts without customer consent at retail stores it ...


3 credit card skimmers found at Santa Cruz gas station  KSBW Monterey

This is the second time in a week the Santa Cruz Police Department is warnig of credit card skimmers.


Google again giving select Pixel 3 and Pixel 3 XL owners free Play Store credit  9to5Google

Last November, Google gave select Pixel 3 and Pixel 3 XL owners free Play Store credits. The company is now running another promotional round to users of ...


KBRA Publishes Research: REIT Credit Update: a Deeper Dive on REIT Private Placements  Associated Press

NEW YORK--(BUSINESS WIRE)--Jan 18, 2019--Kroll Bond Rating Agency (KBRA) has issued a new report, “REIT Credit Update: A Deeper Dive on REIT ...


9 Tax Credits You Need to Know  Motley Fool

Here are the must-know details behind nine of the most popular tax credits available in the United States.


Foxconn doesn't meet Wisconsin jobs tax credit benchmark for 2018  WTMJ

Foxconn Technology Group didn't create enough Wisconsin jobs in 2018 to immediately claim state tax credits.


Credit Suisse: 'Sell into this stock rally'  Yahoo Finance

Credit Suisse analysts are telling clients to take advantage of the recent gains in stocks by selling positions instead of building new ones. Credit Suisse analysts ...


Court rules Ford Credit can repossess vehicles from Reagor-Dykes  KCBD

LUBBOCK, TX (KCBD) - Judge Robert Jones has cleared the way for Ford Motor Credit to take back vehicles sold to Reagor-Dykes Auto Group. In the ruling ...


West Springfield police seek to ID female suspected of stealing credit cards from Riverdale Street hotel  MassLive.com

Police seek the public's help as they work to identify a female suspected of a larceny from a hotel on Riverdale Street. (West Springfield police / Facebook).


Credit Card Companies Have No Business Playing Second Amendment Censors  American Thinker

Do we want to live in an America where credit card companies watch our buying habits and then block purchases for ideological reasons? Not long ago, the left ...


How to Improve Credit Score & Other Facts About That Credit Score Number  menshealth.com

We all know this much: it should definitely be higher than our cholesterol, our weight, and, for many of us, our SAT Math scores. But what that credit number ...


Scam Alert: Scammers Duplicate Chip-Enabled Credit Cards  www.fox16.com

LITTLE ROCK, Ark. (News release) – Scammers have found a way to duplicate chip-enabled credit cards, despite the extra safety design associated with the ...


How was your credit card account hacked? You'll probably never know  NJ.com

One couple's quest to learn why their credit card was compromised nine times in seven years.


Weekly Credit Card Update–January 18, 2019 | LowCards.com  LowCards.com

Mastercard Won't Let Companies Automatically Bill You After Free Trials We've all made the mistake of starting a free trial and forgetting to cancel it before the ...


Woman wanted by Fort Payne Police for stealing credit cards, identities  WAAY

Fort Payne Police are asking the public for help in finding a suspect, Brandy Lynn Hairston, who is wanted in connection to thefts and vehicle break-ins. Police ...


Credit union names FF branch manager  The County

The County Federal Credit Union has announced that Janelle Morin has been promoted to branch manager in Fort Fairfield.


2 New Ways To Raise Your Credit Score  Forbes

By Michelle Black, Next Avenue Contributor. Getty. You're probably well aware that your credit score can have a big influence on your financial well-being, ...


Michigan credit unions, agencies step up to aid federal workers  Detroit Free Press

From credit unions to local governments, furloughed federal workers are finding offers of help in Michigan as the government shutdown stretches past its third ...


Authorities seek identities of 2 in connection with credit card fraud in Brevard County  WKMG News 6 & ClickOrlando

The Brevard County Sheriff's Office is asking for the public's help in identifying two people wanted in connection with credit card fraud.


Former Arts Council CEO accused of misusing credit cards  KBTX

COLLEGE STATION, Tex. (KBTX)- The Arts Council of the Brazos Valley says its former CEO misused credit cards, and the organization has turned over its ...


History on hold: Shutdown stalls National Register nominations, tax credit project review  NewsOK.com

Work in Washington stopped immediately when the National Park *Service* shut down with other government agencies nearly a month ago. There is no one at the ...


Northwest Community Credit Union expands field of membership  Credit Union Journal

Northwest Community Credit Union has enlarged its field of membership. The $55 million-asset institution said on Friday it can now accept new members who ...


Be Wary of New 'Tricks' for Raising Your Credit Score  Lifehacker

Over the past few months, there have been a handful of announcements from credit companies about new “tricks” consumers will soon be able to use to improve ...


All the Tax Credits You Can Take for 2018  Lifehacker

Can you smell it in the air? It's tax season, and we're all trying to get the biggest refund possible. That means taking advantage of tax deductions and credits to ...


Abbeville PD looking for suspects allegedly involved in fraudulent credit card transactions  KLFY

According to Abbeville Police Department, on January 14, 2019, officers began investigating a complaint of fraudulent credit card activity that occurred on ...


Hackers using fake ‘Flash Player’ Google Chrome extension to steal credit card data  RT

Cybersecurity researchers are warning unsuspecting internet users about a year-old Chrome extension which steals credit card data from infected users via web ...


Failure of MEG takeover deal is 'credit positive' for Husky, says agency  CityNews Calgary

CALGARY — Shares in oilsands producer MEG Energy Corp. continued to slide Friday after a credit rating agency said rival Husky Energy Inc.'s failure to ...


Aberdeen Income Credit Strategies Fund goes ex-dividend on Monday  Seeking Alpha

Aberdeen Income Credit Strategies Fund (ACP) had declared $0.12/share monthly dividend, in line with previous. Payable Jan. 31; for shareholders of record.


New tricks for raising your credit score are on their way  CNBC

Two new programs will consider how prospective borrowers manage their cash. Riskier borrowers could see their credit scores rise as a result. Credit card ...


How to score cash, perks in the new credit card rewards loyalty game  Bankrate.com

A sweet sign-on bonus offering cash-back, free travel or rewards points is one of the most compelling methods credit card issuers use to entice new customers.


Kokomo police seek 3 suspects in credit card fraud case  WTHR

Police need your help to find three suspects who are wanted for fraud.


Gillette commercial controversy: Give men credit instead of painting masculinity as poison  USA TODAY

The Gillette commercial's problem isn't that it points out male aggression. It's the assumption that other males routinely let them get away with it.


Abilene police need to identify credit card theft suspects  Big Country Homepage

Abilene police need help identifying two suspects accused of credit card theft.


Credit Card Skimmer Found in McKinney Gas Pump  NBC 5 Dallas-Fort Worth

Investigators discovered a sophisticated credit card skimming device from a gas pump at a McKinney Valero this week. The skimmer -- which is able to capture ...


Man stole credit cards at Plaza Frontenac Cinema, used them at Walmart  STLtoday.com

ST. LOUIS • A man pleaded guilty in federal court Wednesday to conspiring to steal credit cards at Plaza Frontenac Cinema and using them to purchase ...


Kyle Larson's 2019 No. 42 Credit One Bank paint scheme  NASCAR

Kyle Larson has a slightly new look on his No. 42 Credit One Bank Chevrolet Camaro ZL1 for the 2019 Monster Energy NASCAR Cup Series season.


How to Prevent Your Credit Card Issuer From Canceling Your Card  Lifehacker

If you've had credit card debt in the past, or you have an older card you don't really use anymore, you've probably read the advice that you shouldn't actually ...


Man Used Credit Card Stolen In Somerville Burglary: PD  Somerville, MA Patch

Man Used Credit Card Stolen In Burglary: PD - Somerville, MA - Police are seeking information about the person pictured in connection with fraudulent use of a ...


Women Who Had Stolen Credit Card In Lansdale Sought: Police  Montgomeryville, PA Patch

Women Sought In Smash-And-Grab Theft - Montgomeryville-Lansdale, PA - Two women were caught on surveillance trying to use the stolen card at the Weis ...


Ohio-based Sterling Jewelers to pay $11M settlement over credit practices  NBC4i.com

Officials say some well-known jewelry stores that promote sparkling romance engaged in credit practices that consumers might not love.


UK demand for credit cards and mortgages is collapsing as Brits brace themselves for the shock of Brexit  Business Insider

The UK housing market has slowed to its lowest level in nearly a decade as Brexit fears freeze demand for mortgages and credit cards.


Credit card skimming device found at gas station in Henry County  11Alive.com WXIA

MCDONOUGH, Ga. — A Valero gas station in McDonough was targeted by credit card skimmers and Henry County Police are asking anyone who might have ...


Consumer worries his 850 credit score will fall if the Sears credit card closes: Money Matters  cleveland.com

I have a Sears credit card that was opened in 1973. It is the oldest card I have. With Sears potentially going out of business, how will this affect my credit rating?


Northern Michigan credit unions offering help to those impacted by shutdown  UpNorthLive.com

NORTHERN MICHIGAN (WPBN/WGTU) -- Credit unions around Michigan are trying to help those impacted by the government shutdown. At least 25 credit ...


Grocery store offers credit to federal workers who need a boost  WSAZ-TV

The Warfield IGA is offering $150 per week in credit to people who are feeling the effects of the shutdown.


Police seek trio in stolen credit card case  Ottawa Citizen

City police are asking the public to help them identify three suspects who they allege took turns using a stolen credit card before the victim could cancel it.


'Photograph 51' asks: Did DNA pioneer Rosalind Franklin get the credit she deserves?  Milwaukee Journal Sentinel

Renaissance Theaterworks performs "Photograph 51," which explores the life of pioneering DNA researcher Rosalind Franklin.


Credit Suisse's Top Five China Stock Picks  Bloomberg

Vincent Chan, head of China equity strategy research at Credit Suisse, talks about the nation's economy and stock market. He speaks with David Ingles and ...


Can Trump claim credit for $26 billion in savings on prescription drugs?  The Washington Post

“Drug prices declined in 2018, the first time in nearly half a century. During the first 19 months of my Administration, Americans saved $26 Billion on prescription ...


Seneca ruling won't improve credit ratings for Buffalo, Niagara Falls, Salamanca  Buffalo News

The Jan. 8 arbitration ruling that the Seneca Nation of Indians must resume casino revenue payments to the state won't improve the credit ratings of the cities ...


You Need To Know This About Credit Unions  Forbes

Dan Berger, president and CEO of the National Association of Federally-Insured Credit Unions, explains the advantages of a financial institution you may know ...


Data breach of Hanover's online payment system could put residents' credit card info at risk  8News

HANOVER COUNTY, Va. (WRIC) -- A data breach of the online payment system used by Hanover residents to pay their utility bills has potentially left several ...


Bad for business? Weighing shutdown's impact on commercial loans  Credit Union Journal

Credit union and bank executives say the federal work stoppage hasn't hit business lines yet, but that could change if things drag on much longer.


Quick Tip: Erasing credit card debt  WLS-TV

Nearly 2/3 of Americans may never know if or when they will be debt-free, according to a new study from creditcards.com. There are a few things to tackle debt.


Deputies: Woman turns self in after ordering items using customers' credit cards  WNCT

A woman turned herself in Monday after deputies said she was ordering items for herself using customers' credit cards.


Search is on for 2 credit card fraud suspects in Eaton County  WLNS

The two are suspected of using a stolen credit card at retail stores in Eaton County.


How Southwest Airlines's Credit Cards Just Got Better  Condé Nast Traveler

One of the best perks that Southwest Airlines offers its loyalty members and credit card holders is the Companion Pass—essentially a "buy one, get one flight for ...


VERIFY: Navy Federal Credit Union providing funding to furloughed members during shutdown?  WUSA9.com

A lot of fake stuff circulates online but that's where our Verify team comes in to help separate fact from fiction and get you truth. Like a viral post a viewer came ...


Suspect arrested in credit card scheme targeting seniors  WOWT

Dallas Baring, 38, is in custody in connection with an investigation of thefts targeting senior citizens.


Ent Credit Union plans new headquarters in north Colorado Springs  Colorado Springs Gazette

Ent Credit Union announced Tuesday that it plans to start building a 300000-square-foot headquarters this summer near InterQuest Parkway and Interstate 25, ...


Former UB student sentenced for credit card fraud scheme  WIVB.com - News 4

BUFFALO, NY (WIVB) A former University at Buffalo student could have been sent to jail for up to four years, but was sentenced on Tuesday five years ...


Year of Free Credit Report Monitoring Is Ending. Here’s What to Do Now.  The New York Times

The free *service* started after Equifax's huge breach in 2017. Consumer advocates suggest placing a security freeze — not a lock — on credit files.


Movies filmed in Massachusetts that received big tax credits  Boston.com

Anecdotally, it seems like some sort of film production pops up almost every week in Massachusetts. Statistically, it's likely even more frequent than that.


Settlement would allow credit card surcharges  Newsday

Merchants in New York State will be cleared to add credit card surcharges to the price of goods after a long-running court case reached a tentative settlement ...


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