Putting Holiday Purchases on Plastic? Credit.com Offers 5 Holiday Shopping Tips
News from ParamusPost.com:

By Mel Fabrikant    Saturday, November 24, 2012, 04:36 PM EST   

As Black Friday and Cyber Monday approach, shoppers will inevitably be pulling out the plastic to pay for their holiday purchases. Choosing the right payment method, and in particular, the right card – credit, debit or prepaid – can make shopping easier, safer and more rewarding. Credit.com, a website that gives consumers a free monthly credit score and other free tools to help them manage their credit, offers five tips for holiday shoppers:
1. Don’t want to travel light? If you travel often – especially with family members – consider a rewards card that provides a free checked baggage for everyone traveling in your group. For a family of four, the savings can total $ 200 or more on one trip.

2. Bargain hunter? Consider a flexible reward card that allows you to use your points or miles on multiple airlines. Credit.com’s recent Best Credit Cards in America winner in the airline miles category, for example, is a card that is not affiliated with a specific airline. Instead, points can be transferred to multiple airlines’ rewards programs.
3. Know your limit. While charging as much as possible on a r…………… continues on ParamusPost.com

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@FCACan offers tips on credit reports—how to order them for free, correct …
News from Sacramento Bee:

Everything you ever wanted to know about credit reports, but didn’t know what questions to ask

OTTAWA, Sept. 14, 2012 /CNW/ – Credit reports can have a major impact on your life, but many Canadians do not know much about them.

“Our recent survey on Canadians’ knowledge of their rights and responsibilities found that knowledge of credit reports was particularly low,” says FCAC Commissioner Ursula Menke. “The vast majority of people—90 percent—do not know that they can obtain a credit report free by mail, while 62 percent do not know how to dispute an entry in their credit report.”

Credit reporting agencies track how you use credit products, such as credit cards and loans, and pay your bills. This information is used to create your credit report and credit score. Lenders may use this information when they decide whether they will lend you money, and how much they will charge you to borrow it. Employers and landlords may also check your credit report when you

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BBB gives tips on pre-screened offers of credit
News from Jackson Sun:

When you open your mailbox today, you may find a pre-screened offer for a credit card, some other kind of loan or even insurance. Some days, you may find several offers.

Many people already have more than one credit card, so they’re not likely to contact a card issuer and fill out a lengthy application to get a new card.

Pre-screened, sometimes called pre-approved, offers are a way for card issuers to entice people to open a new account with a minimum of effort.

You may get on a creditor¹s mailing or telemarketing list in one of two ways:

• The creditor provides a list of names to a credit reporting agency and asks it to identify those that meet its credit criteria. The list could be people who already have another product with the creditor or a purchased list.

• The creditor provides the credit criteria to the credit reporting agency and asks it to provide a list from its files of people who meet them.

The credit criteria may include how long you’ve had credit, the types of accounts you have, how much you owe and your payment record. The lender also may stipulate that your credit score be above a certain number.

The Fair Credit Reporting Act governs when a company can pull your credit report. In general, it must have a “permissible purpose,” which usually is triggered by your proactive application for credit. Pre-screen…………… continues on Jackson Sun

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From renting to owning: Tips to buying your first home
News from KSLA-TV:


Several reports came out this week saying the housing market could possibly be on the road to recovery. Many experts continue to say now is the time to buy.

While many may not believe they can have their own piece of the “American Dream,” one Shreveport woman who thought the same thing says she does and it’s because she got help.

“I couldn’t believe that I actually bought my first house, because growing up I always thought you had to have some kind of big professional…such as a doctor or a lawyer or a nurse. Just some kind of degree to accomplish things like this,” says Teresa Harris.

Harris is an everyday working mom who worked hard to recover from a tough situation.

“I did Chapter 7 [bankruptcy],” she says. “I was on the Chapter 7 for two years. So that gave me time to work towards my goal.”

She says she built her credit back up little by little knowing she wanted to own a home. In the process, she went on line and did some research.

“That’s when I came up with AFI. It’s a lot of programs out there to help first time home buyers. A lot of us are just not aware of it.”

The federal AFI-IDA program helped with her down payment. However, it’s not the only one out there.

“They have the Louisiana Bond Program that’s available that has just com…………… continues on KSLA-TV

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BBB offers credit tips
News from News Sentinel:

This is a consumer advice column written by the Better Business Bureau of Northern Indiana. It appears Thursdays in Business.

In today’s society, credit management is as important as money management. You need to read agreements you sign with lenders, understand your credit score, and manage your credit effectively. It’s complicated, but Better Business Bureau has made it simpler with three clear and easy-to-understand guides based on your level of experience with credit and the amount of your debt. For more, go to www.bbb.org/credit-management.

New to credit: Secure your first credit card, manage a personal credit line, apply for a loan. Having a good credit record may help you qualify for lower interest rates, and your credit record may also affect your ability to get a job, an apartment or affordable car insurance, among other things. For more, go to www.bbb.org/credit-management/new-to-credit/index.html.

Balancing act: Have you tried to manage your money well, but are facing changes in you financial situation? Are mounting bills and limited resources making you aware that you need to develop a new plan before your financial situation gets worse? Go to

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As offers increase, terms improving for better borrowers
News from Debtmerica Relief:

While consumers’ attitudes toward borrowing changed drastically during the recession, many have begun to feel more comfortable with credit card debt as economic conditions improve nationwide.

As a consequence of those two factors, lenders are now extending more lines of credit to borrowers, but are reserving their best offers to those whose credit scores are around 740 or higher, according to a report from Jacksonville, Florida, television station WJXT. In many cases these days, borrowers with top-notch scores may be able to receive credit cards with interest rates in the single digits, more generous balance transfer offers, or more beneficial rewards programs.

“Credit card issuers have come out of their shell,” Greg McBride of Bankrate told the news station. “They’re now back on offense, they are trying to grow their businesses but they’re trying to do so primarily through top credit quality c…………… continues on Debtmerica Relief

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News from ticklethewire.com:

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Capital One Offers Credit Education Tool
News from Banktech:

Capital One has launched a new tool to help its student cardholders learn about credit. The tool, called Journey Credit Tracker, is an interactive online credit education tool powered by Credit Karma.

People who use the company’s Journey Student Rewards Card not only have free access to their TransUnion credit score through the Journey Credit Tracker, but they can also use it to learn about and keep an eye on factors that impact their credit score. The tool also includes an interactive simulator that enables cardholders to find out how certain financial actions can impact their credit score, as well as educational resources including credit facts, tips and quizzes.

[Click here to read about banks’ latest personal financial management offerings.]

“The Journey card was custom designed for students to help them familiarize themselves with how credit works and build a strong credit history responsibly,” said Mike Wassmer, EVP of U.S. Cards at Capital One, in a statement. “We want to equip our student cardholders with information and tools to help them make good financial choices, and the Journey Credit Tracker will allow…………… continues on Banktech

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Delay in phone bill payments may hurt credit scores – Business Standard
News from Delay in phone bill payments may hurt credit scores – Business Standard:

Delay in phone bill payments may hurt credit scores
Masoom Gupte / Mumbai Feb 03, 2012, 00:01 IST

The next time you delay or don’t pay your phone bill, you may have to deal with more than just a call from your service provider reminding you about the dues. It may affect your credit score and mar chances of getting loans from banks.

According to Harshala Chandorkar, senior vice president-consumer relations, Credit Information Bureau of India or Cibil, the company is in discussions with leading telecommunication players like Vodafone and Bharti Airtel for using their respective databases and amalgamating these in the credit score.

continues on Delay in phone bill payments may hurt credit scores – Business Standard

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M&T Bank offers credit scores for $ 2.99 a month
News from Chicago Daily Herald:

Article posted: 6/26/2011 6:00 AM

By Candice Choi

NEW YORK — Need to check your credit score? Sign on to your bank account. M&T Bank, which has branches primarily on the East Coast, is offering its online banking customers their FICO scores for $ 2.99 a month. Here’s how it works:

The bank says customers with any type of checking or savings account can sign up for the service, as long as they’ve set up online banking. The credit score is updated once a month and is provided by Equifax, one of the three national credit bureaus.


The score is accessible whenever customers sign on to their accounts online. If there’s a change in the score, customers are told the two main factors that contributed to the fluctuation. The page displaying the FICO score will also have offers to…………… continues on Chicago Daily Herald

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New User-Friendly Website Makes Credit Ratings Easy to Understand and Offers a …

New User-Friendly Website Makes Credit Ratings Easy to Understand and Offers a …
News from Benzinga:

(EMAILWIRE.COM, June 11, 2011 ) Melbourne, Australia — In apprehensive financial times, many people are seeking advice when it comes to obtaining credit, as being in the know about financial entitlements is the key to staying on top of money matters. An integral part of obtaining credit is the credit score, which can become a stumbling block for those with a lack of knowledge. Many people do not know what their credit score is, how to check it, or why the credit rating is of such importance to prospective lenders. This lack of awareness can spell trouble for the financial outlook of both individuals and businesses.

What is a credit rating?’ is a common question amongst those with little experience or exposure to the financial sphere. Luckily, those seeking advice and information when it comes to the credit score and checking a credit rating needn’t look further, as revolutionary new website creditratings101.com is at hand to offer a wea…………… continues on Benzinga
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Taking Stock: Appointments, promotions, achievements
News from Wausau Daily Herald:


» Community First Bank announces the addition of two new members, JoAnn Vosz and Richard Judy, Ph.D., to its Board of Directors.

Vosz has had a long trajectory in banking. She began as a teller, and after a year and a half was promoted to loan secretary. Her next promotion was to run the bank’s Polonia branch. In 1986, she became a loan officer, and in 1990 was promoted to vice president. Finally, in 1996, she was hand-picked to become the bank’s executive VP. She is also the bank’s compliance manager.

Judy is an Emeritus Professor of Business Management, School of Business and Economics, University of Wisconsin-Stevens Point, retiring in 1999 after over 13 years teaching. He received his Ph.D. (1982) and MBA (1973) from Indiana University in Strategic and International Management. His A.B. degree is from Franklin College (Indiana) in Biology and Chemistry. He retired from the US. Army in 1985 as a Lt. Colonel, Medic…………… continues on Wausau Daily Herald

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MMI offers Webinars for National Homeownership Month
News from Sacramento Bee:

/PRNewswire-USNewswire/ — In honor of National Homeownership Month, Money Management International, the nation’s largest full-service, credit counseling agency is offering a series of free public financial Webinars, including “Secrets to home inspection,” which offers 10 tips for homebuyers straight from a home inspector.

WHO: Consumers who want to learn more about housing and financial issues such as the secrets to home inspection, managing income and expenses, understanding your credit report and credit score, and putting your debt on a diet are invited to register for these free financial Webinars.

WHEN: June 11 to June 29, 2011 – National Homeownership Month (throughout the month of June). Webinar times are listed according to Eastern Standard Time (EST).

To register for these free live Webinars, visit the Webinars page on …………… continues on Sacramento Bee
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Your Credit Score

In the past five years, a simple three-digit number has become critical to your financial life: your credit score. It not only dictates whether you get credit: it can dictate how much you’ll pay for it. What’s more, it’s being used by insurers, employers, and others who can determine your financial future.
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