Information Site Directory

Information Site Directory

Credit Information

19,178 Identity Theft Victims Per Day - Are You One Of Them?


Identity theft statistics are shocking. And we are told that it will only become worse, before it gets any better. Are you likely to be affected?

Credit Damage: Getting Compensated for Your Loss


Until recently lawyers for victims of credit damage had little possibility to collect for damages beyond medical treatment, lost wages and property loss. Insurance companies threw up their hands in sympathy, claiming victims can only be compensated for what can be measured ? tangible goods and services. But, what happens when the victim has lost considerable time from work, the family bank is broke and monthly payments on mortgages, car loans and credit cards payments are missed? Regardless of the haggling between lawyers and insurance companies, it?s the credit victim who ends up having to live with a bad credit rating.

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days


In Less Than 30 Days."What can you do to increase that set of three numbers on your credit report that can be so important with your financing?"I came across this question as I was surfing discussion groups the other day. Check out my answer:Dear Friend,Here are 3 steps I used to take my credit score from 592 (horrible credit) to 762 (perfect credit) almost overnight. If you?re interested in improving your credit rating quickly, you?ll find this story helpful:In 1995 I made a decision that would ruin my perfect credit history. I quit my salary job to become an insurance salesman. The job paid commission only. Within a few months I lost everything - house, car, credit rating and my self respect.By the end of 1996 I was living with my mom, all my credit accounts were severely past due, and I was paying 22% interest on a broke-down green Geo Storm...I was a real loser. Then, in 1997, I became a banker. I didn?t know it at the time, but this would turn out to be the break I needed to eliminate my credit problems forever. During my seven years as a banker, I came across several legal and highly effective ways to improve my credit rating. As a result, I was able to increase my credit scores by an average of 170 points. Here?s what I did:Step #1: After spending hundreds of dollars on credit repair services that didn?t work, I found out how to get negative accounts removed on my own. Basically, I wrote letters to the collection agencies requesting proof that the accounts were mine. 89% of the time they had no proof that the bad accounts belonged to me. So I was able to get them deleted from my credit file.Step #2: I opened new accounts with high credit limits and kept the balances low. I discovered that if you keep your available credit limits high and only use 10% to 30% of the credit you have available, your credit score will improve dramatically.Step #3: Next, I added accounts with years of perfect payment history to my credit file. This step took my credit score from 647 to 762.While you can certainly add seasoned accounts to your credit file for free, there are companies that claim they can do it for a fee. The problem is, they charge between $2,000 and $2,500 per account. If you want a 700+ credit score you?ll need 3 to 4 of these accounts. That equates to a cost of $6,000 to $10,000. (You can conduct a search on your favorite search engine for companies that offer this service.)While there are several highly effective steps you can take to increase your credit scores by as much as 200 points, these are the main ones...And here?s the good news: Each step can be completed in less than 30 days.

To Repair Credit Is No longer Satisfactory - Learn How To Earn A Millionaires Credit In 30 Days...


To repair your bad credit does not necessarily mean that you now have a good credit, absolutely not.

4 Steps to Creating Good Credit


As a consumer you?ve learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.

Beware of Falling Minimum Payments


If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don?t be so quick to ?jump for joy?. What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a lifetime.

Convenience Can Be Costly


You?ve just opened your credit card bill and attached to your statement you find a ?convenience check? included. It may already be filled out with a dollar amount such as $300, $500, or even $1,000. Your mind fills with ideas of what you could buy with this ?instant? money. A new summer wardrobe, a nice dinner and tickets to a concert, a weekend getaway.

Credit Repair Scams


?Erase Bad Debt !?

Debit Card vs. Credit Card, What Are The Differences ?


Ah, the ?good old days?. If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday. You had to get there before the teller lanes closed so that you could have your ?cash allowance? for the week. Otherwise, if you needed cash you had to write a check, then go to the bank, and ?cash? the check for real cash.

How Healthy Is Your Credit


There?s only one way to discover the ?health? of your credit. You need to examine your credit report. Your credit report is your ?consumer identity? that potential lenders will use to judge your credit worthiness.

Top 5 Credit Misconceptions


We have all heard the rumors?from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to provide you with the truth about credit...

Your Guide On Choosing a Credit Card To Suit You


Reach into your wallet or purse, pull out a card, swipe, and you?re done. It is very easy to use a credit card. The problem lies in choosing a card ? and it has nothing to do with the picture on the front! Choosing a credit card that works best for you is vital to your credit rating. If you choose incorrectly, you may find yourself in deep debt trouble. Here is some basic, yet extremely important, information that will help you make the right choice.

4 Steps You Can Take If Your Online Credit Card Application Has Been Refused


Help! I?ve Been Turned Down

7 Surefire Ways To Repair Bad Credit


Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national ?disease.? And just what do people need that have a disease? They need a cure.

5 Surefire Ways To Eliminate Credit Card Debt


Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an over-the-limit charge, and that number skyrockets. Imagine what you could do with that $1000 if it weren?t being spent on interest.

More Articles from Credit Information:
2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31




CNBC

New rules will cause some credit scores to rise July 1
CNBC
Improved standards to new and existing public records in the databases of the three major credit reporting companies will be implemented on July 1. As part of this change, a majority of civil debts and tax liens will be excluded, which means some ...

and more »


TechCrunch

Credit Karma touts $500 million in revenues | TechCrunch
TechCrunch
It turns out that you can make a lot of money by giving stuff away for free. That's the lesson from Credit Karma, which today is announcing that it's running..

and more »


Grand Forks Herald

Federal agency ousts management at Devils Lake credit union
Bismarck Tribune
DEVILS LAKE, N.D. (AP) — The federal agency that oversees credit unions has taken over management of a troubled credit union in Devils Lake. The Devils Lake Journal reports (http://bit.ly/2uhCIck ) that the National Credit Union Administration has ...
'Red flags' in Devils Lake credit union show losses last quarter, $10 million in delinquent loansGrand Forks Herald

all 3 news articles »


Los Angeles Times

$2-million settlement ends accusations that LA credit-repair firms misled consumers
Los Angeles Times
Credit-repair services promise to help consumers fix their credit scores, but there's only so much they can do. They can help clear up inaccurate or outdated information on a consumer's credit report, but they can't erase legitimate dings. But the ...
CFPB Announces Final Judgments Against Four Credit Repair CompaniesPYMNTS.com
CFPB Clamps down on Credit Repair Companies, LeadershipPaybefore
CFPB fines four California credit repair companies for misleading consumersHousingWire
Consumerist
all 29 news articles »


Credit Market Insights: Bond Indexes Perform Well in a Quiet Market
Morningstar.com
Corporate bond indexes also performed well, as credit spreads have continued to tighten over the course of the second quarter as asset volatility has declined toward near-historic lows. A combination of factors has supported corporate credit markets: ...

and more »


CBS Pittsburgh / KDKA

Americans Could See Credit Scores Boosted This Year « CBS ...
CBS Pittsburgh / KDKA
Millions of Americans could see their credit scores getting a boost this year.

and more »


Medical Xpress

Study illustrates how the cortex assigns credit for causality
Medical Xpress
Brain images from different angles show locations in the dorsolateral prefrontal cortex where researchers made their measurements. Credit: Asaad et. al. When you do something right, you can't learn anything from your success without a system in the ...

and more »


The Hill

Haley, Mattis credit White House statement with stopping Syria chemical attack
The Hill
U.S. ambassador to the United Nations Nikki Haley on Wednesday credited the White House's statement on Syria with stopping a chemical weapons attack. “I can tell you that due the president's actions, we did not see an incident,” Haley said at a House ...

and more »


Bangor Daily News

LePage signs bill into law to restore Maine tip credit — Politics ...
Bangor Daily News
A server delivers a tray of food during the lunch rush at Governor's Restaurant in Bangor. Gov. Paul LePage signed a bill into law to restore the tip credit in Maine ...
Restaurant workers, owners excited over tip credit law - WMTWWMTW Portland

all 3 news articles »


AL.com

Thousands of Alabamians could see their credit scores improve July 1
AL.com
Starting on July 1, the three major credit reporting companies - Equifax, Experian and TransUnion - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the ...

and more »

Google News




home | site map
Information Site Directory
© 2006-2014