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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.

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3 Ways to Quickly Raise Your Credit Score
Motley Fool
Your three-digit credit score is one of your most important financial numbers because it determines both whether you can borrow, and how much borrowing will cost you. The costs of bad credit could total a quarter million dollars or more over your ...

and more »


Forbes

4 Ways You Can Avoid Store Credit Card Traps
Forbes
Credit cards tied into a single retailer can be quite enticing. They are swiftly approved in the store and can provide useful discounts and reward points. As with anything in the world of consumer credit, there are always catches. The cards are not ...

and more »


BBC News

Universal credit: Households to miss out on benefits over festive season
BBC News
Thousands of people on universal credit may not be paid over the festive season or may get a reduced payment, the BBC Money Box show has highlighted. Those hit will be some of the 67,000 people who claim the benefit while working and who are paid ...

and more »


Gainesville Times

Low-income residents squeezed by exit from tax credit plan
Gainesville Times
15, 2017 after being dropped off by a Gainesville City school bus. Lower-income families in Gainesville are looking at rent increases as apartment complexes exit a state tax credit program that kept lease costs below market rates. - photo by Scott Rogers.



CNBC

Tax plan could hurt homeowners and create credit risk in high tax areas
CNBC
Congressional tax overhaul could hurt home prices in high-tax states and create looming credit risk for local governments. S&P Global Ratings said this week there could "be a credit impact from both the tax base reductions and resulting lower tax ...

and more »


New York Times

China Craves Electric Cars, While US Flirts With Ending Tax Credit
New York Times
GUANGZHOU, China — In the United States, politicians voted on Thursday for a proposal that included repeal of a $7,500 tax credit for buyers of electric cars. In China, auto executives from around the world were gathering to talk about ambitious plans ...
Volkswagen Group earmarking $11.8 billion to develop, build China electric carsReuters
VW Teams With Chinese Partners in $12 Billion Electric-Car PushBloomberg

all 130 news articles »


TIME

Breaking Down the Justice League End Credit Scenes
TIME
If you're a fan of either of the two major superhero movie franchises, you should know by now that you're pretty much required to sit through the credits in order to catch the critical post-credit scenes. So, is there anything at the end of Justice ...
'Justice League' has 2 end-credit scenes — here's what they mean for future DC moviesINSIDER
Justice League's two post-credit scenes explained (SPOILERS)SYFY WIRE (blog)
Justice League Post-Credit Scenes: What Do They Mean for the DCEU?MovieWeb

all 2,278 news articles »


Elizabethtown News Enterprise

Credit union recognized for top national CD rate
Elizabethtown News Enterprise
Not only is the local credit union celebrating its 67th anniversary, but it has a national ranking to embrace for having the highest paying 36-month Certificate of Deposit, according to www.bankrate.com. The CD, at 35 months at FKFCU, currently is ...



11 People Lose Credit Cards, Money In 3 Armed Robberies In Oakland
CBS San Francisco Bay Area
OAKLAND (CBS SF) – Eleven victims turned over money, bank cards and personal items to suspects in three armed robberies in a span of less than a day starting Friday morning in Oakland, police said today. Eight male victims and one female victim gave up ...



Quartz

Millennials are set to be the most unequal generation yet
Quartz
In an economic climate where the top 1% own half the world's wealth, a new analysis by Credit Suisse suggests that millennials in several advanced economies are likely going to face the worst income inequality of any generation in recent memory.

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