Credit Information


Credit Information

Annual Credit Report and Free Annual Credit Report


Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of their personal credit reports.

Credit Report - Watch Out for Parking Tickets


The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function.

Repair Your Credit - The Right Way!


How to Repair a Bad Credit Rating?The Right Way!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.

The Art of Stoozing to Make Money from Credit Cards


Make Money from StoozingStoozing, this is a sophisticated method of making money from credit cards that offer 0% introductory periods, the method requires cast iron discipline in never spending on the cards.But, I hear you all ask - what is stoozing and can I do it?Stoozing, in the simplest terms is borrowing money from credit cards that offer a 0% introductory deals and saving that money in a savings account for the duration of the offer on the credit card.

The FICO Score Misconceptions


There are many misconceptions about credit scores out there. There are borrowers who believe that they don't have a credit score.

Online Credit Report and Online Credit Reports


Online credit reports are easily accessible to those interested in viewing them. If you have wondered about what kind of credit score you have, you can go on the Internet and look at your online credit report.

Important Things to Know About Divorce and Credit


Joint debts remain joint debts.Both spouses signed a legally binding contract with the creditor, and a divorce decree neither amends this contract nor relieves the creditor's investment in you.

Choosing the Right Credit Counseling Agency for You - Some Tips Part 2


Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national credit counseling organization there are some very important factors to calculate before choosing the right credit counseling option for you.

Bad Credit Loans For Those Who Seek Alternatives for New or Old Car


You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders.Getting a Bad Credit Loan doesn't have to be like basic training.

Opting For A Credit Card? Check Out Certain Terms


You've just received a "pre-approved" credit card offer in your mail. Without wasting a minute you're ready to accept it, especially if it's the "before-the-offer-expires" one.

Teaching Students To Keep Out Of Credit Card Debt - The Parents Role


Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect themselves from harm.

How To Get Out Of Credit Card Debt


If you're like the average person, let me warn you ahead of time about what I'm going to reveal in the next few paragraphs. You may be angry after you finish reading this article about how you've been misled in the use of credit card debt.

Is Your Credit Score Being Held Against You?


Credit Scores That HurtIs your credit score being held against you?More and more the staples of life depend on your credit score. Your mortgage, insurance premiums, employment opportunities and even your landlord may be using your credit score to determine your financial future.

Learn About Prepaid Credit Card


Prepaid credit cards also called stored value card can be ideal for individuals who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who have a hard time controlling their spending and prevent the individual from overspending and getting into credit card debt.

Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards


Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed.

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MORE RESOURCES:
What to do if you can't pay your credit card bill on time  NBC News

Forty million Americans will miss at least one credit card payment this year. Here's what to do if you're one of them.


China's 'Social Credit' Used to Ban 23M From Traveling  Fortune

China has used its "social credit" system to stop people from traveling by train and planes last year. They didn't pay fines or taxes.


Apple And Goldman Sachs Will Reportedly Launch An iPhone-Connected Credit Card  NPR

The credit card would represent a foray into new businesses for both companies. With a card, Apple may be able to take a larger cut from purchases than it does ...


Navy Federal Credit Union says users 'now able to see their deposits in their accounts'  FOX 5 DC

VIENNA, Va. (FOX 5 DC) - The Navy Federal Credit Union has posted on Twitter that customers are now able to see their deposits in their accounts after many ...


Those Credit Card Bonuses May Be Taxable  The New York Times

Have you gotten a bonus from your credit card company for successfully referring friends or family for new cards? You may owe taxes on that bonus. People who ...


5 Things to Consider Doing When Your Credit Score Reaches 760  U.S. News & World Report

When your credit score hits a high level, it opens the door to a lot of money-saving opportunities.


How Much Credit Should UNC Get For Beating Duke Without Zion?  Yahoo Sports

With Zion Williamson missing almost all of Duke's loss to North Carolina, how much credit does UNC really deserve for its 16-point win?


Apple Credit Card Rumors Resurface  Motley Fool

It's been nearly a year since the first rumors that Apple (NASDAQ:AAPL) was working on a credit card emerged. The Mac maker has long partnered with ...


Social credit system: China's richest regions are also home to the most blacklisted firms  South China Morning Post

Quanjian Group, a maker of herbal medicines, was accused of making false marketing claims about the benefits of a product that a four-year-old cancer patient ...


Ex-postal worker admits taking bribes to steal credit cards from mail in N.J.  NJ.com

A 24-year-old former New Jersey postal worker faces up to 15 years in prison after admitting she accepted cash to steal envelopes containing credit cards.


RBC's results show signs of weakening credit conditions  American Banker

Royal Bank of Canada reported a 5% increase in quarterly profits, but a sharp increase in its loan-loss provision is raising concerns about credit quality.


Wallet stolen during church service, credit cards used nearby, police say  KPRC Click2Houston

A woman's wallet was stolen during a church *service* by another woman sitting close to her, Conroe police said.


2 men arrested for credit card fraud at Miami International Airport  WSVN 7News | Miami News, Weather, Sports | Fort Lauderdale

MIAMI INTERNATIONAL AIRPORT, FLA. (WSVN) - Two men have been arrested after Customs officials found several items linking them to credit card fraud in ...


Police seek bandit in Fresno credit union robbery  Fresno Bee

Police are looking for a bandit who robbed the California Credit Union on Thursday, Feb. 21, 2019 in central Fresno, CA and fled with an undisclosed amount of ...


Secret Service warning: High-tech thieves can remotely skim credit cards at gas pumps  Fast Company

Usually when people mention pain at the pump, they are talking about a rise in gas prices. Not Krebs on Security. The website wrote this week about a new ...


A record number of Americans now have access to a credit card — and it’s not going great  MarketWatch

In 2018, an additional four million people got access to plastic in America.


A Whole New Credit Score Is Coming—Are You Prepared?  Realtor.com News

FICO is rolling out a new UltraFICO score. What is it? Will it help your credit score? What are the drawbacks? Find out about the new scoring system.


Credit unions: Banks should stop whining while raking in record profits  Des Moines Register

Iowa Credit Union League chair: If banks are so worried about maximizing tax revenue for Iowans, why did they push for their own income-tax cut?


What's the Deal: Changes coming to how your credit score is calculated  WPVI-TV

For decades, your credit score number was based mostly on your history with payments on things like credit cards and loans. Now, two changes are coming that ...


Cops: Stolen credit cards used at Walt Whitman  Newsday

Credit cards stolen from a Huntington Station woman were used at the Saks Fifth Avenue store in the Walt Whitman Shops by two men who fled in a white sedan ...


Credit rating firm warns of possible trouble for Alaska boroughs if governor’s budget passes  Anchorage Daily News

JUNEAU — A new analysis by the national credit rating firm Fitch Ratings says Alaska's municipal governments could see their ratings drop if Gov.


I use this simple trick to earn big credit card sign-up bonuses — here's how other homeowners can do the same  Business Insider

This simple trick I use can help homeowners get a significant bonus when signing up for a new credit card.


These credit card offers can help you save big on your Galaxy S10 purchase  Android Central

Samsung has just barely cleaned up after the Galaxy S10 event in San Francisco, so it's not a great surprise that there's a dearth of deals on the hottest phone ...


Trouble Brewing In China's Credit Markets As More Bond Defaults Come  Seeking Alpha

Last year, there were record onshore bond defaults in China, but 2019 doesn't show any signs of this trend slowing down. There's already more than 10 billion ...


Marlborough Police search for man who used stolen credit cards  MetroWest Daily News

MARLBOROUGH – Police are asking the public's help in identifying a man they say used two stolen credit cards to purchase thousands of dollars of electronics ...


Man robs credit union in Washington City, flees on motorcycle  St George News

WASHINGTON CITY — Authorities are investigating a robbery at a credit union in Washington City that occurred Thursday and are asking for the public's help in ...


What Happens to Credit Card Debt After Death?  INQUIRER.net

There are many scenarios that can affect what happens to credit card debt after a person's death. Depending on where the person lives, who applied for the card ...


Verify: Does Bluetooth detect credit card skimmers at the gas pump?  KHOU.com

We're looking into whether credit card skimmers can be detected through Bluetooth devices. You know those skimmers on gas pumps that thieves use to steal ...


‘That was my idea’: How Trump claims credit for nearly everything  The Washington Post

President Trump never thinks he gets enough credit, even when touting made-up accomplishments.


Millions of Americans behind on car payments, missing credit due dates  MyNorthwest.com

Despite a thriving economy and job market, signs are showing that millions of Americans are having trouble keeping up, while missing payments on car loans ...


5 Places Never to Use a Debit or Credit Card  Yahoo Finance

In today's cashless culture, nearly all of our purchases (including those new ankle-boot beauties ) are paid for via credit card. But with all the identity theft...


Man accused of string of Atlanta car break-ins, credit card thefts  Atlanta Journal Constitution

Police are searching for a man accused of breaking into four cars across Atlanta over a three-day pe...


Credit Suisse loses bid to dismiss lawsuit in U.S. over writedowns  Reuters

NEW YORK (Reuters) - A U.S. judge has rejected Credit Suisse Group AG's bid to dismiss a lawsuit accusing the Swiss bank of defrauding shareholders about ...


Captain Marvel's post-credit scene and Frozen spin-offs: The week's craziest fan theories  SYFY WIRE

Not all fan theories are created equal. Some are brilliant breakthroughs that unlock a whole new understanding of a popular show or movie. Others are ... totally ...


Credit union says skimmer was used in bank card scheme  WILX-TV

American One Credit Union managers say they believe a skimmer was used to steal card information from 600 ATM users in Jackson.


FBI Investigating Fraud At Louisville Credit Union  LEX18 Lexington KY News

LOUISVILLE, Ky. (WAVE 3)– Louisville Metro Police Officers' Credit Union and it's former vice president are now under investigation by the FBI for fraud.


INSIGHT KANSAS: Give Charles Koch credit  Hays Post

Tax-cutting fever is alive and well in Kansas politics, and no single person deserves more credit than Charles Koch, head of Koch Industries, the dynamic global ...


Credit Suisse says lighten up on emerging markets stocks after big comeback  CNBC

Emerging-market stocks are off to a roaring start to the year, but investors might want to take some profits after the big move up, according to Credit Suisse.


Police Looking For Suspects Who Stole Credit Cards From A Fayetteville Yoga Studio  KFSM 5Newsonline

(KFSM) — Three men used stolen credit cards from Fayetteville to make purchases in Alma and Van Buren. The cards were stolen from a yoga studio in ...


4 Things I’ve Learned on My Journey to Great Credit  Yahoo Finance

Not everyone with great credit started out that way. Here's my journey from bad credit to great credit, and four valuable things I've learned on the way.


New credit reporting option could raise your credit score  WKBN.com

For decades, your FICO score was based on payment history with loans and credit cards.


Fort Smith Police Searching For Credit Card Thief  KFSM 5Newsonline

FORT SMITH, Ark. (KFSM) — Fort Smith Police are searching for a suspect they say is linked to at least two cases of credit card fraud. Police are asking for help ...


14 credit card skimmers found in Arizona so far in 2019  ABC15 Arizona

Officials have already found several credit card skimmers in the Valley this year.


Police seek ID of man who robbed credit union in Moraine  Dayton Daily News

Investigators have released photos of a man who police said robbed a DayMet Credit Union branch in M...


Global Recession Fear Is Suddenly Stalking the Credit Market  Bloomberg

The risk of a global recession has surged to the top of the worry list for credit investors even as they push down their cash balances to snap up new-year ...


Elwyn moving staff to Camden after $39M tax credit  The Delaware County Daily Times

MIDDLETOWN — Elwyn announced it plans to move up to 200 administrative staff to Camden, N.J., after winning $39.6 million in tax credits in exchange for a ...


Marriott workers’ lawsuit says inconsistent schedules and credit union loans are a predatory mix  Philly.com

Hourly Marriott workers in Philadelphia are in the midst of a lawsuit against the Marriott Employees Federal Credit Union, saying the credit union's $500 ...


I used my stockpile of credit card points to fly across the world in business class for under $100 — here's how I did it  Business Insider

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


OVPD looking for female suspect who used a stolen credit card  Tucson News Now

ORO VALLEY, AZ (KOLD News 13) - The public can help the Oro Valley Police Department identify and catch a female suspect who used a stolen credit card.


U.S. Federal EV Tax Credit Update For January 2019  InsideEVs

The first two manufacturers, Tesla and General Motors, already reached the limit of 200000 EV sales to trigger the phase-out. Here's how it will all play out now.


Call for Action Alert: New ways to boost your credit score  KKTV 11 News

(KKTV) -- Your credit score could get a boost this year thanks to some of the biggest changes in credit reporting in decades. As it stands now, your number is ...


How Should We Be Thinking About Credit Spreads?  Seeking Alpha

What is your time horizon? Credit spreads have been compressing in recent weeks but are materially wider than one year ago. The market may be nearing new ...


Bill Proposes to Fix Credit Reports for Federal Employees  FedSmith.com

A new bill would force credit bureaus to remove negative information on federal employees' credit reports that resulted from the recent government shutdown.


Alzheimer's is a 'lonely,' costly journey but tax credit proposal could help, caregiver says  Channel3000.com - WISC-TV3

Stefanie O'Keefe's life has changed "leaps and bounds" since becoming a caregiver to her mother.


'The credit cards are maxed out': ODOT director makes case for 18 cent per gallon gas tax hike  NBC4i.com

COLUMBUS (WCMH) -- Thursday, the Ohio Department of Transportation Director Jack Marchbanks introduced the 7.43 billion transportation budget, appearing ...


Retirement home employee used 95-year-olds credit card to pay car note, deputies say  Gainesville Sun

Essence Kiara Johnson, 29, of Gainesville, was charged with grand theft, illegal use of a credit card and exploiting the elderly.


Instagram’s fundraiser stickers could lure credit card numbers  TechCrunch

Mark Zuckerberg recently revealed that commerce is a huge part of the 2019 road map for Facebook's family of apps. But before people can easily buy things ...


CCPD nabs suspect using counterfeit credit cards to buy large amounts of fuel  Wink News

Authorities arrest a Cape Coral man purchasing large amounts of diesel fuel on over a dozen counterfeit credit cards. The suspect, Alain Misiara Erbite, 28, faces ...


More than half a million dollars written off in credit union fraud  WAVE 3

The attorneys said the National Credit Union Administration has agreed to more than $607000 worth of write-offs. But attorneys said that's only for 17 members ...


Long Beach's credit rating downgraded  Newsday

Moody's Investors *Service* cites the city's use of reserves to balance its budget, and also gives a negative outlook.


Abu Dhabi Oil Giant's Credit Ranked AA as Aramco Seeks Rating  Bloomberg

Abu Dhabi's government-owned oil giant received the region's highest credit rating as Middle Eastern producers, including the world's largest Saudi Aramco, ...


Obama takes credit for Steph's jumper during Oakland convention  KNBR

Only one person is allowed to roll through Oakland and jab Stephen Curry about his jumper: Barack Obama.


Bankers: Mega credit unions should give Iowa families the break they deserve  Des Moines Register

Mega credit unions are no longer focused on fulfilling their tax-exempt mission to serve the "little guy."


Medford Police searching for credit card fraud suspect  KTVL

Wednesday morning, Medford Police posted pictures of a possible credit card fraud suspect. They believe the unidentified man used credit cards at multiple ...


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

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


After merger, Army Aviation Center Federal Credit Union getting new name  Dothan Eagle

After the announcement of a merger with Wiregrass Federal Credit Union last week, Army Aviation Center Federal Credit Union is getting a name change.


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

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


Enter the ‘Twilight Zone’ as Stock Nightmares Meet Credit Dreams  Bloomberg

By one measure, it's been decades since stock traders were willing to pay so much for the strongest companies out there -- just as credit investors rush to the ...


Village's bond rating reduced to junk status  Newsday

Valley Stream's bond rating was reduced to junk bond status after an analysis by Wall Street credit rating agency Moody's Investors *Service* found the village ...


Multi-state scheme to steal Home Depot customer credit cards ends in Cincinnati traffic stop  WCPO

CINCINNATI — A routine traffic stop in Cincinnati in 2017 unraveled a nationwide scheme to defraud Home Depot by stealing customer credit card numbers, ...


Blackhawk Community Credit Union to donate building to HealthNet  Gazettextra

Blackhawk Community Credit Union plans to donate its administrative building on Kennedy Road to HealthNet of Rock County.


Report card: Boston keeps AAA credit ratings for fifth consecutive year  Boston Herald

The city of Boston has kept its AAA ratings with the country's largest bond rating agencies, Moody's Investors *Service* and Standard & Poor's, for the fifth ...


Credit Card Security Breach with North Country Business Partners  WDIO

Four businesses in the Northland may have been affected by a credit or debit card security breach. North Country Business Products announced Tuesday that ...


2 Men Used A Stolen Credit Card At Mall: Suffolk PD  Huntington, NY Patch

Suffolk County detectives are asking for the public's help to identify and locate two men who used a stolen credit card at the Walt Whitman Mall in January.


How criminals are using the low-interest credit card scam to steal your identity  CBC.ca

It starts with what sounds like a promising phone call: For a one-time fee, you can lower the interest rate on your credit card. But the person on the other end of ...


LendingClub Slides as View Miss, Credit Fears Worry Analysts  Yahoo Finance

Analysts cut their price targets, and flagged credit concerns and tighter lending standards. LendingClub has “taken credit and pricing actions to resolve ...


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

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


Failing Payless to honor gift cards, store credit into March  WTOL

The failing Payless ShoeSource chain will honor gift cards and store credit until March 11 as the company liquidates all operations.


Cloned credit cards used in hotel room rentals  KOIN.com

Anthony Wingert and Shay Wright-Mack were arrested February 5 near a Troutdale motel, the Multnomah County DA's Office said in a release.


Man robs Flagstaff's One AZ Credit Union Tuesday afternoon, flees the scene  Arizona Daily Sun

The Flagstaff Police Department is requesting help in identifying the suspect who robbed the OneAZ Credit Union on the corner of South Beaver Street and West ...


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

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


Fraud investigation at University of Iowa Community Credit Union branch leads to arrests  KCRG

HIAWATHA, Iowa (KCRG) - Police have arrested two people after a fraud alert from an ATM triggered an investigation in Hiawatha.


Bye-bye boring credit card rewards — the future is flexible  Bankrate.com

Issuers are beginning to introduce innovative rewards structures as incentives for potential cardholders. Is this the future of the credit card industry?


Tax credit bill for family caregivers in Wisconsin released  Channel3000.com - WISC-TV3

A bipartisan proposal backed by AARP would create a $1000 income tax credit for family members in Wisconsin who give care to qualified disabled and elderly ...


Here's how to save thousands with credits and deductions on your 2018 tax return  CNBC

The tax code has gone through an overhaul since the beginning of 2018, but there are still opportunities to scoop up a few tax breaks that have managed to stick ...


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

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


Sebastian Joe's, Dunn Bros., Chino Latino hit by credit card data breach  City Pages

What do Maple Grove steakhouse Pittsburgh Blue, Minneapolis ice cream sensation Sebastian Joe's, and St. Paul-based coffee chain Dunn Bros. have in ...


North Texas Law Enforcement Face Challenges In Catching Credit Card Skimmers  CBS Dallas / Fort Worth

NORTH TEXAS (CBSDFW.COM) – With new technology comes new challenges. Monday night the CBS 11 I-Team showed how gas pumps skimmers are on the ...


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

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


FORUM Credit Union announces new council members - Business  WTHR

INDIANAPOLIS (WTHR) — FORUM Credit Union welcomed three new members to their advisory council and extended the term of ten other members.


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

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


Blacklist labels millions of Chinese citizens and businesses untrustworthy  South China Morning Post

Annual report shows the businesses and individuals added to trustworthiness blacklist as use of the government system accelerates.


New Ways to Improve Your Credit Score Coming Soon  ConsumerReports.org

Consumers with thin or subprime credit histories will soon have new ways to improve their credit scores. Experian Boost and UltraFICO could improve your credit ...


China Credit Growth at Record in January Amid Seasonal Surge  Bloomberg

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


Carson City investigators ask for public's help identifying burglary, credit card fraud suspects  Carson Now

The Carson City Sheriff's Office Investigation Division is asking for public assistance in identifying possible suspects in a residential burglary and subsequent ...


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

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


Fitch puts UK credit rating on negative watch  Financial Times

The UK faces a credit rating downgrade because of the mounting risk that it will leave the EU without a transition deal, according to a leading rating agency.


How to spot and avoid credit card skimmers  Yahoo Finance

The moment I started seriously worrying about credit card and debit card skimmers wasn't when my entire bank account was transferred to Turkey, or when I had ...


Bragg soldier has credit bill paid off  The Fayetteville Observer

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


Fraudsters steal credit card info from dozens across the Tri-Cities  KEPR 19

TRI-CITIES, Wash. -- A group of fraudsters have stolen thousands of dollars from unsuspecting Tri-Cities shoppers. Police say they're looking for them.


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