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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NJ law restricts campus credit card solicitations - Philadelphia Inquirer

NJ law restricts campus credit card solicitations
Philadelphia Inquirer
AP TRENTON, NJ - Credit card companies that want to solicit customers on New Jersey's college campuses are now facing tighter restrictions. ...

and more »

Buying a home on (tax credit) deadline - Seattle Times

Buying a home on (tax credit) deadline
Seattle Times
This winter, however, might be different, thanks to the extended — and expanded — first-time homebuyer tax credit. "We're going to see far more interest in ...
The mortgage crisis deepensBaltimore Sun

all 9 news articles »

Albany threatened with credit crunch - New York Post

Albany Times Union
Albany threatened with credit crunch
New York Post
The credit-rating agency, in a statement initially released by Paterson's office, warned, “The next three months will be critical to the state's credit ...
State's Credit Rating Could Be Lowered, Investors Service SaysNew York Times
Paterson Warns of Credit Rating Downgrade if Budget Inaction ContinuesWXXI

all 16 news articles »

UPDATE 1-Jury rejects FICO claims in credit score lawsuit - Reuters

UPDATE 1-Jury rejects FICO claims in credit score lawsuit
Reuters
L) and TransUnion LLC of antitrust and trademark violations for using a credit scoring system that competes with its widely used "FICO" score. ...
Fair Isaac Loses Antitrust SuitWall Street Journal
FICO loses credit score trademark fightTwin Cities Business Journal
Experian Prevails in Lawsuit Brought by FICOPR Newswire (press release)
SYS-CON Media (press release)
all 60 news articles »

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

eCreditDaily.com
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
Why Getting a Low APR Credit Card is Your Best Consumer MoveLinex Legal (registration)
Plain Dealer -Credit Card Guide News -Mediapost.com
all 39 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

Washington Post
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 ...
Ask AP: Shuttle complexity, credit union agencySeattle Times

all 160 news articles »

Boise Police seek help identifying man suspected of using stolen credit cards - IdahoStatesman.com

Boise Police seek help identifying man suspected of using stolen credit cards
IdahoStatesman.com
Boise Police are asking for the public to help them identify a man suspected of using stolen credit cards. Boise Police are asking for the public to help ...
Police Searching for Credit Card Theft SuspectKIVI-TV
Caught on tape! Suspected credit card thiefKTVB

all 13 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 »

When fees are better - Business Standard

When fees are better
Business Standard
The credit card market has a lot of offers for different customers, so it often becomes difficult to choose between the options offered by a large number of ...
A More-Creditable Credit CardBarron's (blog)
Shopping On-line This Holiday Season: Be Careful; Buyer BewareInjuryBoard.com (blog)
Credit card companies build reward programs from the pocketbooks of low-income ...Latina Lista (blog)
California Progress Report
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