Credit Information

Credit Information

Warning: Free Credit Report Imposter Websites Springing Up on the Web


A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in the West and will finally be nationwide by 1 September.

Tackling Bad Credit


The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didn't even know that a credit record of our transactions is prepared by some credit reference agencies.

Understanding Your Credit Score


When you apply for credit one of the first things almost all credit officers do is check your credit score. Although not all of those officers explained to us what a credit score is, we are all rated according to it and the offers we receive were all dependent on that score.

Bad Credit Credit Cards


Chances are you've gotten your share of offers like this in the mail Bad Credit Credit Card, Bad Credit Visa Cards and Credit Cards for People With Bad Credit. Re-establish your credit with a bad credit credit card, credit cards for people with bad credit or pre-approved Visa cards regardless of your bad credit history, some with low introductory rates and other perks.

Credit Worthiness


Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships.

Your Credit Score


Credit scores: all lenders use credit scores to determine interest rates and credit limits.The credit scoring system was developed in the early 1950's.

How to Deal with Hire Purchase Debt


WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements.

Bailiffs & Council Tax - Knowing What To Do


This article is about bailiffs who may call trying to collect Council Tax or Community Charge (Poll Tax) arrears. If a bailiff has contacted you to collect another sort of debt the law might be different.

It Is In Your Best Interest To Do The Math On Your Credit Card Interest


If you begin foaming at the mouth once a month when you receive your credit card statement, join the millions of Americans that are foaming along with you. There is a growing outrage at the seemingly endless journey towards eliminating the balance on your credit card and that is due primarily to the extravagant interest rates charged by credit card companies.

Harassment of People in Debt by Creditors


HarassmentHarassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970. It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly.

Credit Report Hassles


There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it.

Bank Robbery Growing In U.S.


Bank robbery has grown to become a huge problem in the United States but I am not talking about people robbing banks. I am talking about banks robbing people.

What Does Your Credit Say About You?


A credit report is more than just a snapshot of your financial picture; it can assist credit grantors in determining your overall risk factor. Additionally, lenders, credit grantors, and even human resource departments often use it as a tool to determine a person's character.

Debt Collection Agencies


Debt collection agencies are often a viable option for receiving payment on overdue bills. Here you can earn how debt collection agencies work and what to look for in reputable debt collection agencies.

Have You Ever Opened a Checking Account?


Maybe some of you are saving it in your trusty piggy bank, under your mattress or way back in a sock drawer. Although I'm glad that you are saving, your money is not doing anything for you locked up in your house.

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MORE RESOURCES:

ABC News

SEC criticizes credit-rating firms
Los Angeles Times, CA - 5 hours ago
By Walter Hamilton, Los Angeles Times Staff Writer NEW YORK -- The credit-rating firms whose endorsements of mortgage-backed bonds helped fuel the ill-fated ...
SEC finds serious shortcomings in credit raters Reuters
SEC investigation blasts credit-rating companies Boston Globe
SEC: Credit ratings agencies failed to keep up Telegraph.co.uk
MarketWatch - CityWire.co.uk
all 328 news articles


Washington Times

US May consumer credit rises $7.78 billion, mostly by use of ...
Forbes, NY - 13 hours ago
WASHINGTON (Thomson Financial) - Americans increased their borrowing in May, mostly in the form of credit cards and other revolving debt, ...
US consumer credit rose $7.78 bln in May guardian.co.uk
US May consumer credit up $7.8 bln or at 3.6% rate MarketWatch
Consumers boost credit card debt The Herald-Times (subscription)
MSN Money - MarketWatch
all 246 news articles


Credit Suisse Helping With US Probe of Two Former Brokers
Bloomberg - 1 hour ago
By Warren Giles July 9 (Bloomberg) -- Credit Suisse Group, Switzerland's second-biggest bank, said it's helping US prosecutors in an investigation of two ...
US regulators probe 2 ex-Credit Suisse brokers-WSJ Reuters
Auction-Rate Probe Grows Over Clarity From Brokers Wall Street Journal
all 14 news articles


Grand jury criticizes Oakland credit card charges
San Jose Mercury News,  USA - 18 hours ago
A report from the Alameda County grand jury is highly critical about some credit card charges being rung up by employees of the city of Oakland. ...


Boston Globe

JPMorgan's Dimon says credit crisis could worsen
guardian.co.uk, UK - 13 hours ago
By Karey Wutkowski ARLINGTON, Va, July 8 (Reuters) - JPMorgan Chase & Co Chief Executive Jamie Dimon said on Tuesday some problems in the credit markets ...
UPDATE 1-JPMorgan's Dimon says credit crisis could worsen Reuters
JPMorgan CEO says credit conditions may get worse BusinessWeek
JPMorgan's Dimon says credit crisis could worsen Economic Times
all 79 news articles


Monitoring your credit score is one of the most important things ...
Phoenixville News, PA - 3 hours ago
However, one number which identifies all of us and, unfortunately, many people may not know it: is our credit score. A credit score is the measure of credit ...
How to Get Free Credit-Monitoring Service WFMJ
Credit Scores - Their Role in Today's Mortgage Decisions... WRAL.com
Improved credit score could mean big savings Chicago Tribune
DetNews.com - Arizona Daily Star
all 18 news articles


Wall Street Journal Blogs

365 Days Later: The Hilton Hotels Buyout and the Credit Crunch
Wall Street Journal Blogs, NY - 18 hours ago
Morgan Stanley and Citigroup led the IPO, with Merrill Lynch, Credit Suisse, Lehman Brothers and Deutsche Bank as joint bookrunners. ...
Russell's chief for Europe resigns to start new firm Wall Street Journal
all 87 news articles


Nord Resources Amends Credit Agreement
FOXBusiness - 17 hours ago
The amended credit agreement continues to provide Nord Resources Corporation with a US$25 million secured term-loan credit facility to help facilitate the ...


EnerJex completes $50M credit facility
Bizjournals.com, NC - 15 hours ago
In a release Tuesday, Overland Park-based EnerJex (OTCBB: EJXR) said it will use proceeds from the facility to redeem $6.3 million of outstanding 10 percent ...
EnerJex Resources Completes $50 Million Senior Credit Facility Business Wire (press release)
all 14 news articles


Counterparty credit index hits three-month wide
Reuters - 17 hours ago
NEW YORK, July 8 (Reuters) - Concerns about the counterparty risk of major credit derivative dealers rose to a three-month high on Tuesday, led by weakness ...

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