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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Fox Business

Freezing your credit is now free
MarketWatch
Under the Economic Growth, Regulatory Relief, and Consumer Protection Act, freezing your credit at all three major credit bureaus — Equifax EFX, -0.59% Experian EXPN, +0.23% and TransUnion TRU, +1.82% — will be free from Sept. 21. Previously, states ...
You can now freeze your credit for free: What to knowFox Business
Get Free Credit Freezes from Equifax, Experian, TransUnion Starting Sept. 21Fortune
Credit freezes are now freeWFMZ Allentown
Consumer.ftc.gov - Federal Trade Commission
all 68 news articles »


Forbes

5 Key Considerations When Applying For A New Credit Card
Forbes
If you are thinking of applying for a new credit card, you may be overwhelmed with the amount of information in front of you. After all, there are hundreds of cards on the market, and every one has several rates and fees that can cost you money ...
5 Key Things To Look For When Choosing Your First Student Credit CardHuffPost
5 Things to Know About the PNC Points Credit CardNerdWallet (blog)
Consumer Confidence Drives Co-Branded Credit Cards TrendValuePenguin

all 19 news articles »


U.S News & World Report Money

What Is a Credit-Builder Loan (and Should You Get One)?
U.S News & World Report Money
It's an age-old dilemma for would-be borrowers: Creditors want evidence you can handle a loan or unsecured credit card before they give you one, but there's risk in offering credit products to borrowers without a good credit history.

and more »


Nav (blog)

The Best Credit Card Perk for Business Owners
Nav (blog)
Business credit cards often come with a lot of perks, but the best one has nothing to do with rewards, expense tracking, or even business-related services. No, the best credit card perk for business owners is a card's grace period. Not only does it ...



American Banker

Botnets increasingly prey on small banks and credit unions
American Banker
Computer gremlins with zombie-like powers called botnets continue to spread through financial services systems, increasingly targeting smaller banks and credit unions, a new study says. The problem is widespread in the business world. From January to ...



Is Tesla Counting On A Billion Dollar Regulatory Credit Bonanza?
Seeking Alpha
Tesla's primary business of manufacturing and selling electric vehicles, or EVs, generates two classes of tradable regulatory credits that it sells to other automakers. Under rules promulgated by the EPA, automakers must meet Federal greenhouse gas ...



IFLScience (blog)

China Launches “Social Credit” System That Will Track, Rank All Citizens By 2020
IFLScience (blog)
Every move you make, every step you take, they'll be watching you – the Chinese government, that is. The communist nation says it is on track to launch its “Social Credit” system in real time for 2020. The dystopian-esque system monitors, tracks, and ...

and more »


CNBC

This type of loan doesn't help your credit score, even if you stay on top of it
CNBC
Paying down a loan on time is a good way to build a positive credit history and improve your credit score. But those using a payday loan shouldn't expect any good marks in their credit file if they pay on time. Also called cash advances, payday loans ...

and more »


The Advocate

Cantrell's credit card spending in line with fellow council members, audit report says
The Advocate
An audit of the New Orleans City Council's credit-card usage found sloppy bookkeeping and questionable purchases were widespread among council members, but that Mayor LaToya Cantrell's spending habits while she was on the council — the subject of ...

and more »


Credit-Card Startup Brex Seeks $1 Billion Valuation in New Round
Wall Street Journal
Brex Inc., a startup founded last year to issue corporate credit cards to other startups, is in discussions with investors to raise a new round of funding at a valuation of about $1 billion, according to people familiar with the situation. DST Global ...


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