How to Read Your Credit Report

How to Read Your Credit Report
Your credit report tells lenders how well you handle money—how you behave when it comes to paying off your debts. Your credit report is kind of like a report card for your finances. You can get one credit report a year from each of the three major …
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5 Credit Habits To Break In 2016
Getting serious about purchasing a home means coming face to face with the number that boils down your financial past and present into one three-digit figure: your credit score. Unfortunately, most people look at their credit report and score with …
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Latest Consumer Loan Rates News

Muğanbank cuts consumer loan rates
"Currently, the Bank's management also considers the question of changes in interest rates on both consumer and business loans. Differential rates will be applied on business loans, depending on the priority of entrepreneur's activity. The current …
Read more on Azerbaijan Business Center

How Sanders' Bank Plan Would Kill Credit Availability for the Poor
One idea that has escaped scrutiny to date is an ambitious plan to cap interest rates on credit cards and all consumer loans at 15%. "In 1980, Congress passed legislation to require credit unions to cap interest rates on their loans at no more than 15 …
Read more on American Banker

Mortgage Loan Discrimination: What It Is and What to Do If It Happens to You
Black borrowers pay home loan rates more than a quarter-point higher than comparable white borrowers, according to research led by Ping Cheng of Florida Atlantic University, published in 2015 in The Journal of Real Estate Finance and Economics. … In …
Read more on NerdWallet (blog)

Home Buyer Mortgage Rate Forecast — December 2015 (FHA, VA, USDA & Conv)
According to Freddie Mac's weekly mortgage rate survey, 30-year mortgage rates dropped again last week and, at 3.79%, on average, rates are now down 25 basis points (0.25%) since the start of the year. It's a good time to shop for a home loan. As …
Read more on The Mortgage Reports (blog)

Car Loan With Poor Credit Score : 3 Simple Steps

Car Loan With Poor Credit Score : 3 Simple Steps
While it comes to buying a new vehicle, there are a number of decisions that need to be made. In case you are a car loan borrower with bad or poor credit score, then you might find that there are even more decisions that should be made. The main thing …
Read more on Bay Net

3 Things on Your Credit Report That Look Like Errors, But Might Not Be
You can do so by pulling your credit reports for free each year at and getting your credit scores for free each month on But while you're going line by line, it's important to recognize that some information may not …
Read more on News (blog)

'World's Largest Skating Rink' Provides Carbon-Free Commute

'World's Largest Skating Rink' Provides Carbon-Free Commute
Dubbed “the world's largest skating rink,” it's a cultural attraction and also an emissions-free mode of transport for outdoors-loving Ottawans, who can often be seen commuting on blades to work at downtown offices and to classes at the university …
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How Long Does It Take for Something to Be Removed From My Credit Report?
You can't fix what you don't know about, so first and foremost, get your credit report (here's how to get your free annual credit report) and your credit score (you can get two of your credit scores for free every month on so you can see …
Read more on News (blog)

McShay: Mistake not telling ESPN about UM event
It was unclear if you were watching whether McShay was being paid by Michigan, which would really be odd, given he'd have to report on them as a sideline reporter and draft analyst. Viewers … To his credit, McShay answered the question when asked by SI.
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Latest Good Credit News

5 Free Ways to Improve Your Credit Score
Of course, while you wait, you should focus on exhibiting and building smart spending habits. Paying all of your bills of time, keeping your amount of debt low and adding new accounts organically over time are good ways to build solid credit in the …
Read more on News (blog)

How to get a good credit score
Having a healthy credit score is vital, particularly when applying for vehicle finance or a home loan. And improving your score is probably not as difficult as you think. Credit-scoring methods differ between credit providers, but all of them will …

5 Do's and 4 Don'ts to Repair Your Credit
Removing negative items from your credit report can help improve your FICO score, making it easier to buy or rent a home, get insurance, buy a car — and sometimes even make the difference in getting a job. A higher credit score can mean lower interest …
Read more on Money Talks News (blog)

Latest American Express News


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Image from the Charles Richard “Chuck” Wilson Collection. Chuck was born in Missouri, 16 December 1921. He attended Citrus Junior College in the Los Angeles area, majoring in mathematics. He worked at North American Aviation for a brief period before enlisting in the Army Air Corps on April 11, 1942. These images of Sta-clean products were in his Collection.

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Costco delays credit card switch from American Express to Visa
The retailer originally said it would accept only Visa branded credit cards starting in April, but the change has been delayed to June or midsummer, according to our news partners The Seattle Times. Last year, American Express announced it was ending …
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How a 1960s investment in American Express became a triumph for Warren Buffett
In June 1960, an anonymous tipster called American Express to expose a massive fraud at Allied Crude Vegetable Oil Refining Corporation. At the time, Allied was the largest customer of American Express's field warehousing subsidiary, which was in the …
Read more on Business Insider

American Express: Four Reasons It's Still a Buy
Solid potential operating leverage: With American Express trading below ~10x, we think the stock can work if can show improving operating leverage: mgmt's 2017 EPS target of $ 5.60 can be achieved with only 1% reported revenue growth (ex Costco) from …
Read more on Barron’s (blog)

Car Loans for Good, Fair and Bad Credit

Car Loans for Good, Fair and Bad Credit
To put yourself in a stronger position when car shopping, it's a smart idea to get pre-approved for a car loan before you visit the lot to buy your car. Pre-approval removes the uncertainty of the loan application process and allows you to easily …
Read more on NerdWallet (blog)

Best Auto Loan Finance Companies for Bad Credit People
Purchasing a car has become synonymous with taking car loans today- simply because we don't necessarily don't have the ready cash to buy a car. Thanks to these loans and easy repayment options, it's becoming easier for more and more of us to secure …
Read more on Bay Net

Toyota will compensate black and Asian borrowers to settle bias investigation
Toyota's financing arm will pay as much as $ 21.9 million to black and Asian borrowers who paid more for auto loans than whites, settling allegations of discrimination by federal regulators. Toyota Motor Credit Corp. in Torrance had been under …
Read more on Los Angeles Times

Identity theft complaints leap 47%

Identity theft complaints leap 47%
Reports of identity theft shot up in 2015, largely driven by an increase in tax- and wage-related fraud, according to the Federal Trade Commission. People made 490,220 identity theft complaints to the FTC in 2015, up from 332,647 (a 47% increase) in …
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How your kid could become a victim of identity theft
Making matters worse, while adults can learn quickly that their identities have been stolen, say, after being rejected for a credit card or loan, it can take years to find out that a child has been a victim of identity theft. Families often find out a …
Read more on MarketWatch

Brazen package heist hints at larger issue of identity theft
Police are searching for a suspect after a brazen daylight theft in Riverdale was caught on surveillance video. It happened just before 3:30 p.m. on Friday in the Pape Avenue and Gerrard Street East area. Adam, the homeowner who refused to give his …
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Sprecial Report: Protecting Kids from Identity Theft

Sprecial Report: Protecting Kids from Identity Theft
All important steps to keeping kids safe from identity theft. It's not often thought about but it's a problem that's on the rise. "Often, the first time a parent will notice is when they get a foreclosure notice or a collection uh addressed to their …

ID theft complaints continue to rise
Identity theft is an increasing problem for Ohioans, judging by complaints received by the Ohio attorney general's office. The annual consumer-complaint list from Attorney General Mike DeWine's office shows 1,670 complaints last year regarding identity …
Read more on Columbus Dispatch

COLUMN: ID theft has incalculable impact on us
According to a September 2015 Bureau of Justice Statistics report, an estimated 17.6 million persons, or about 7 percent of U.S. residents age 16 or older, were victims of at least one incident of identity theft in 2014. Further, the report noted the …
Read more on Cody Enterprise

Google doodle marks Dmitri Mendeleev's 182nd birth anniversary

Google doodle marks Dmitri Mendeleev's 182nd birth anniversary
Mendeleev not only placed the elements in their correct positions in the table, accounting for existing errors in valency and atomic weights, but also predicted correctly, leaving spaces for elements that were then undiscovered. He didn't stop just …
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Banks' error policies mean you may want to double-check your deposit slips
The bank might not fix errors in the amount of money deposited in customers' accounts as long it's within $ 10 of the correct sum, Chase told customers in a notice about revisions to the language of the bank's deposit account agreement taking effect …
Read more on Chicago Tribune