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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Ohio AG sues credit agencies for public pensions - The Associated Press

NBC4i.com
Ohio AG sues credit agencies for public pensions
The Associated Press
COLUMBUS, Ohio — The three major credit ratings agencies gave mortgage-backed securities unjustifiably high ratings in return for lucrative fees, ...
Analysts question SEC as credit agencies' policemanReuters
Ohio AG suing credit raters over retirement fund lossesBizjournals.com
Ohio Attorney General Sues Credit Rating Agencies90.3 WCPN ideastream®
Pensions & Investments -Courthouse News Service -Bloomberg
all 188 news articles »

State's Credit Rating Could Be Lowered, Investors Service Says - New York Times

New York Daily News
State's Credit Rating Could Be Lowered, Investors Service Says
New York Times
ALBANY — Moody's Investors Service this week warned that the state's credit rating could be downgraded if the Legislature does not take ...
Moody's: Failure to Cut Deficit Could Hurt New York's Credit RatingWNYC
Paterson Warns of Credit Rating Downgrade if Budget Inaction ContinuesWXXI
Paterson vows to take action to close budget deficitNewsday (subscription)
The Associated Press -Bloomberg
all 532 news articles »

Fair Isaac loses legal fight over rival credit-scoring system - Minneapolis Star Tribune

Fair Isaac loses legal fight over rival credit-scoring system
Minneapolis Star Tribune
The Minneapolis-based credit-scoring company accused VantageScore of trademark infringement and unfair competition. A jury disagreed. ...
UPDATE 1-Jury rejects FICO claims in credit score lawsuitReuters
Fair Isaac Loses Antitrust SuitWall Street Journal
FICO loses credit score trademark fightTwin Cities Business Journal
PR Newswire (press release) -SYS-CON Media (press release)
all 61 news articles »

Advanta Ventures, Credit Card Issuer's Unit, Files Bankruptcy - Bloomberg

Advanta Ventures, Credit Card Issuer's Unit, Files Bankruptcy
Bloomberg
21 (Bloomberg) -- Advanta Ventures Inc., a unit of bankrupt small business credit-card issuer Advanta Corp., filed for Chapter 11 bankruptcy protection ...
Loan defaults mount at AdvantaPhiladelphia Inquirer

all 2 news articles »

Ask AP: Shuttle complexity, credit union agency - The Associated Press

The Associated Press
Ask AP: Shuttle complexity, credit union agency
The Associated Press
What is the status of the finances of the National Credit Union Administration, which insures credit unions? Fred Clark Albuquerque, NM ___ The National ...

and more »

Credit-card rates soar just before shopping season - Denver Post

Plain Dealer
Credit-card rates soar just before shopping season
Denver Post
Millions of Americans already battling the suffocating economy are getting a flurry of mail from credit-card issuers telling them, ...
A Gift to Credit Card CompaniesNew York Times
Consumer Advocates to Fed - Stop Evasions by Credit Card CompanieseNews Park Forest
No Credit Card Rate Freeze for the HolidaysCredit Card Guide News
Mediapost.com -Plain Dealer -Daily Mail
all 32 news articles »

CIT Bonds Valued at 68.125 Cents to Settle Credit-Default Swaps - Bloomberg

Reuters
CIT Bonds Valued at 68.125 Cents to Settle Credit-Default Swaps
Bloomberg
20 (Bloomberg) -- Credit derivatives traders settling contracts that protected against a default by CIT Group Inc. set a value of 68.125 cents on the dollar ...
CIT Group Default Swaps Worth More Than ExpectedWall Street Journal

all 57 news articles »

Duke Realty Corporation Announces Renewal of Unsecured Revolving Credit Facility - CNNMoney.com (press release)

Duke Realty Corporation Announces Renewal of Unsecured Revolving Credit Facility
CNNMoney.com (press release)
Duke Realty Corporation (NYSE: DRE), a leading industrial and office property REIT, today announced it has renewed its unsecured revolving credit facility ...
Duke Realty renews credit facilityMSN Money

all 16 news articles »

Fitch boosts outlook on Bon-Ton Stores - The Associated Press

Fitch boosts outlook on Bon-Ton Stores
The Associated Press
Moody's said it will review the closing of the new credit agreement as well as how much Bon-Ton's liquidity improves. It has a "Caa2" corporate family ...
Moody's Puts Bon-Ton Ratings On Review For Possible UpgradeWall Street Journal
Boston Store parent gains new credit pactBizjournals.com
Bon-Ton stock hits 52-week highMilwaukee Business Journal
Trading Markets (press release) -The Associated Press
all 193 news articles »

Johnson should get credit now - Tampa Tribune

Tampa Tribune
Johnson should get credit now
Tampa Tribune
AP Jimmie Johnson is boring to some, but his greatness on the race track is taking on historic levels. HOMESTEAD - Jimmie Johnson isn't responsible for the ...

and more »

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Rebuild Your Credit the Right Way the First Time
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