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? According to recent studies, up to 7,000,000 people become identity theft victims each year, in the United States alone. That's over 19,000 cases a... Read More

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... Read More

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... Read More

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. When most people have bad credit, they either purchase a credit repair book or seek a credit expert help. But before you do anything about your bad credit you need to understand... Read More

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.A bad credit history... Read More

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... Read More

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... Read More

Credit Repair Scams

"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've probably seen these headlines and others just like it promising to clean up or "fix" bad credit. For someone who suffers from a bad or poor credit rating, these headlines are certainly an appealing offer.Imagine finally being able to buy... Read More

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,... Read More

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.Use these tips to give your credit profile the "tune-up" it needs for 2004.Tip #1- Check... Read More

In The News:


USA TODAY

Texas auto lender fined $2.75M for credit errors
USA TODAY
The federal Consumer Financial Protection Bureau imposed the fine against First Investors Financial Services Group after an investigation showed officials of the Houston-based firm knew their computer system was sending inaccurate information to credit ...
Auto lender fined $2.75 million for lying to credit bureaus about customers ...The Plain Dealer - cleveland.com
Auto Finance Company Fined $2.75M For Hurting Customers' CreditAOL Autos
Auto lender fined $2.75M for providing inaccurate credit informationThe Hill
Automotive News -The Consumerist -KCEN-TV
all 83 news articles »

Auto Credit Express (blog)

Credit scores to improve with settled debt, bills
Pittsburgh Post Gazette
Many consumers who have been denied credit or charged higher interest rates due to a low credit rating could soon be in a better position as the nation's most widely used credit scoring agency is revamping how it computes credit scores. Fair Issac Corp.
No rush by lenders to use new credit scoreChicago Daily Herald
FICO Score 9 and Medical CollectionsAuto Credit Express (blog)

all 9 news articles »

How To Scrub Your Credit Report Clean Of Costly Errors
Forbes
Errors can land on your report when lenders, banks or credit bureaus get it wrong. Nevertheless, it's your responsibility to get them fixed. “Credit reporting agencies don't have an obligation to correct anything on a credit report unless you tell them ...


AvantCredit, a Lender, Secures Credit Facility From Jefferies
New York Times
The lender, AvantCredit, is expected to announce early on Thursday that it has secured a $200 million credit facility led by the investment bank Jefferies, doubling its capacity to make loans to consumers. The deal, coming just weeks after an earlier ...

and more »

Regulators Struggle With Conflicts in Credit Ratings and Audits
New York Times
Two such businesses are credit ratings agencies and auditors. It is remarkable that it was not until the 21st century that either industry was subjected to any real government regulation. Now, a dozen years after passage of the law regulating audit ...

and more »

Credit Karma - Are There Strings Attached To Free Reports And Scores?
WFMY News 2
But that three digit number can affects everything from how much you pay for car insurance and a home loan to whether you get the job you just applied for. Credit Karma now says it will give you your credit report for free. That's in addition to your ...


Credit Card Life After Bankruptcy
Fox Business
Credit issuers -- from banks and credit unions to credit card companies -- typically offer a wide variety of credit products to consumers. Some are for people with excellent credit, others for those who have un-established or damaged credit. So, it's ...
It's All About The Numbers: Why Credit Is Important--to Your Insurance, And ...Insurance News Net

all 7 news articles »

KSHB

A Secured Credit Card Can Be The Solution To Bad Credit
Motley Fool
You can choose to wait it out until the bad information to fall off your credit report, which can take up to seven years. You could choose a credit card specifically designed for people with bad credit, which can end up costing more than its worth. Or ...
Medina couple tries to get free credit score and ends up with expensive credit ...The Plain Dealer - cleveland.com
6 easy ways to keep your credit card safeKSHB
Credit Cards For People With Bad CreditInvestopedia
CBS46 News Atlanta
all 12 news articles »

SlashGear

Digital credit card replacement Coin is almost ready to...
The Verge
The remaining 15 percent correspond to edge cases, since every credit card terminal is different, says Parashar. Just this month, for example, the company made some fixes to make Coin more reliable at ATM machines that eat your card. The goal is to ...
The Credit Card That'll Replace All Your Plastic Is Finally Here (Kind Of)Wired
Coin's Bluetooth credit card stand-in will reach 10000 lucky testers this fallEngadget
Coin digital credit card now ready, comes with big catchSlashGear
Business Insider
all 9 news articles »

MarketWatch

Credit unions starting to look more like big banks
MarketWatch
Once considered the consumer-friendly alternative to a big bank, credit unions are adopting more punishing policies. Economic research firm Moebs Services released data on Wednesday showing that when it comes to overdraft fees, credit unions are ...
Credit Union Overdraft Fees Continue To Climb, Moebs Study ShowsCredit Union Journal
Credit unions become more bank-like on overdraft feesBusiness Record

all 7 news articles »
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Winning The Credit Game!

Everywhere we go, the word credit can be found, shining... Read More

Choosing A New Credit Card

1. Choosing A new credit cardThere are many reasons for... Read More

What Are the Most Common Ways to Commit Identity Theft or Fraud?

It's the number one source of consumer complaints at the... Read More

How To Survive In A Plastic World, Qualifying For Credit Card

Let's face it, having credit is no longer a choice.... Read More

Choosing The Credit Card That Is Right For You

Credit cards represent an important part of our financial lives.... Read More

Applying for Credit Cards Online

In the olden days, about 10 years ago, before the... Read More

How Your Credit Rating Affects You, and How to Check It

You might not know it, but every time you take... Read More

Good Credit is King, When Qualifying for Mortgage Programs

If you want to purchase a new home or refinance... Read More

UPS Delivers the Goods, Your Identity

Well now we add CitiGroup and UPS to the Identity... Read More

Bad Checks, Bounced Checks, & NSF Checks

Negotiable instruments like checks and drafts have become an indispensable... Read More

Credit Card Balance Transfers Can Help You Stop Putting Money Down The Drain

As you probably know, interest rates are at all time... Read More

What You Need to Know About Interest Rates

For all people shop around for the best rate, there... Read More

New Credit Scoring Model Could Help Millions

Mark and Beth, a young married couple in their twenties,... Read More

Pitfalls of the Credit Industry

The credit industry if rife with pitfalls. If you have... Read More

The Credit Card Surprise That You Need to Look Out For

Companies that issue credit cards want to make a profit.... Read More

10 Step Credit Repair Guide

The process of clearing credit can be laborious and frustrating,... Read More

Identity Theft - How to Protect Yourself

"Like the tan? I got tons of sun on that... Read More

Your Credit Card May Be Costing More Than You Think!

Do you know what your credit card is truly costing... Read More

New Law Provides Free Annual Credit Report

As of Thursday, December 1, 2004, one-third of Americans will... Read More

Credit Report ? Watch Out for Parking Tickets

The economic downturn of the last five years has affected... Read More

Comprehending a Credit Report

Obtaining a credit report is an excellent way to begin... Read More

Myths and Truth about Credit Scoring

Credit score is the key factor determining approval of almost... Read More

What is a Credit Card?

A credit card allows you to buy things even though... Read More

What is Credit Counselling?

Ever wondered what is Credit Counselling? There are occasions when... Read More

What Is the Fair Credit Reporting Act and What You Should Know About It

The Fair Credit Reporting Act (FCRA) and the recent update... Read More