Credit Information

What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand what can be done to reduce the risk of a credit transaction in the eyes of the provider.

Have You Checked Your Permanent Record Lately?


As a young student I feared getting bad grades because I didn't want any bad marks on my "permanent record." Get an "F" in fifth-grade science and it goes in your record.

Fun with Credit Cards


For those of us who know how to use them properly, credit cards can actually be quite fun and lucrative. To those who do not know how to use them properly, I would say that you should stop reading this column right about now, or at least I would advise you not to try any of this stuff at home.

Credit Cards, Merchant Accounts, and Your Bottomline


Q: I'm opening a gift shop and want to be able to accept credit cards. I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked.

10 Ways To Protect Your Financial Identity Being Used For Someone Else's Shopping Spree


Someone impersonating you could be spending your hard-earned money.Impossible! Not really, check, loan, and identity fraud are a real problem.

When You Are Eligible For A Free Credit Report


By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that:1. You are unemployed and seeking employment in the next 60 days.

First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers


Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse. The Telephone Consumer Protection Act would have required collectors to identify the registered name of their business in any pre-recorded messages to consumers or debtors.

Ten Steps To Building A Good Credit History


Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what's on your credit report will determine if you can get a loan or insurance and what rates you'll have to pay.If you're trying to build or repair your credit history, you have a daunting but not impossible task in front of you.

How You Can Avoid Becoming A Victim Of Identity Theft


To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take.The most important one is to ask periodically for a copy of your credit report.

Credit Report And Correction Techniques


The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information.

Avoiding ID Theft and Credit Fraud


Article excerpted from the new book, "How to Do Space Age Work with a Stone Age Brain" TM copyright 2004, all rights reserved, by Eve Abbott, the Organizer ExtraordinaireEach year billions of dollars in credit fraud is perpetrated on unsuspecting citizens. With so much personal information publicly available (or easily available to someone with medium computing skills) it is essential to develop good habits to prevent your information from falling into criminal hands.

Ways to Look Good without Selling Your Soul to the Credit Card Sharks


1. Buy clothes at thrift stores.

Tired Of Being Broke?...Learn How To Force Banks To Give You Money!


Imagine..

Everything You Always Wanted To Know About Your Credit Report


Your credit report is a very powerful report that essential controls what you can and cannot do in your life. Unfortunately many people aren't aware of what a credit report actually is and what information is contained on the report.

New Law Provides Free Annual Credit Report


As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactions Act creates a central source consumers can use to obtain a free annual credit report.

More Articles from Credit Information:
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MORE RESOURCES:

Latest News


Houston Business Journal

Corporate borrowers face hurdles amid credit fallout
Bizjournals.com, NC - 53 minutes ago
With credit markets seizing amid major bank failures and a free fall in investor confidence, experts say a prolonged credit crunch could place a serious ...
New produce center deal nearly blown by AIG mess Philadelphia Business Journal
RiverBend takes a turn for expansion Bizjournals.com
all 424 news articles

Wall Street Journal Blogs

Carmakers in the credit coal mine
CBC.ca, Canada - 9 hours ago
But Wall Street's high-profile collapse, and the related tightening of credit for all businesses, has made a difficult situation even worse — and stirred ...
Credit Crunch Has Effect On Local Auto Sales LocalNews8.com
Toyota Offers Surprising Car Deals U.S. News Rankings & Reviews
Weak economy, tight credit squeeze LI auto dealers Newsday
MLive.com - Minneapolis Star Tribune
all 1,245 news articles

AFP

US STOCKS-Credit worry set to sink Wall St at open
guardian.co.uk, UK - 9 hours ago
By Ellis Mnyandu NEW YORK, Oct 6 (Reuters) - US stocks headed for a slide at the open on Monday as concerns about the widening fallout from the credit ...
Video: Wall Street Tumbles Amid Global Sell-off AssociatedPress
Enough Is Enough Forbes
Wall Street tumbles amid global sell-off San Diego Union Tribune
Asia Times Online - Motley Fool
all 1,870 news articles

Credit crisis adds to pressures on auto dealers
The Associated Press - 12 hours ago
For auto dealers already suffering under the worst US sales downturn in 15 years, the increasing cost of the credit they use to keep inventory in their ...
How to buy a car - even now CNNMoney.com
all 230 news articles

Maktoob

Credit still choked, Treasurys rally
CNN - 5 hours ago
NEW YORK (CNNMoney.com) -- Credit markets were still choked Monday, as the financial crisis spread throughout Europe and stock markets around the world ...
Credit crunch continues as lending rates climb MarketWatch
BoC pumps $2.4-billion into money markets Globe and Mail
Financial crisis: $900bn available for lending Telegraph.co.uk
Financial Times - AFP
all 365 news articles

Credit Karma Launches New Credit Card Recommendation Service Based ...
MarketWatch - 11 hours ago
The new service provides customized recommendations by credit score range using a computation of current credit card information and overall consumer card ...
the fake identity racket Sydney Morning Herald
all 136 news articles

New York Times

Will Coal Be Cashing In On the New Tax Credit?
Wall Street Journal - 19 hours ago
The bill, signed into law Friday, makes alternative jet fuel made from liquefied coal eligible for the first time for a 50-cents-a-gallon tax credit. ...
Congress Extends Refined Coal Tax Credit Utility Products Magazine
US bailout bill heralds eight year tax credit extension for solar ... Energy Risk (subscription)
Congress extends R&D tax credit as part of bailout ComputerworldUK
Wisconsin Ag Connection - Idaho Business Review
all 532 news articles

Turn to 10.com

Investors expect volatility as credit woes persist
The Associated Press - 23 hours ago
Those steps are the latest sign that the troubles of US banks, which have all but paralyzed credit markets, are affecting the financial systems of other ...
Markets Down Sharply NPR
Plummeting markets look for interest rate cuts, and soon Los Angeles Times
The Fed’s Next Move: Interest Rate Cut FOXBusiness
Bloomberg - Christian Science Monitor
all 438 news articles

Fitch downgrades Ford credit rating another notch
Forbes, NY - 2 hours ago
s credit rating deeper into junk status Monday as economic worries dragged down auto shares along with stock markets around the globe. ...
Fitch Downgrades Ford & Ford Credit to 'CCC'; Outlook Negative MarketWatch
Fitch cuts Ford, Ford Motor Credit, deeper into junk Reuters
GM, Ford Tumble as Credit Crisis Unsettles Investors (Update1) Bloomberg
LeftLane News - 24/7 Wall St.
all 28 news articles

Jobs lost, credit choked, contractors worried
Bizjournals.com, NC - 2 hours ago
“The drop in construction employment accelerated in September and will get much worse unless credit markets reopen,” said Ken Simonson, chief economist for ...
Job losses signal that US is in recession Kansas City Star
all 32 news articles

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