Credit Help

Quincy Herald-Whig

Link: Quincy Herald-Whig.

The Quincy School Board agreed Wednesday to seek a $5 million line of credit. But it did so over the objections of Melvin "Bud" Niekamp, who accused the board of overspending. "Just a few short months ago we voted that we had a balanced budget. Now I'm finding out that we're going to have to borrow maybe up to $5 million," Niekamp said. "It's taxpayers' dollars. We're going to have to get a handle on this spending. We just can't keep borrowing money all the time. I run a small business. I sure don't borrow money. I just live within my means. I think the School Board needs to do the same thing." Bill Daniels, chairman of the Finance Committee, said the line of credit is needed to help cover any cash flow problems that might materialize in the final months of the fiscal year, which ends June 30. Last year around this time, the district took out an $8 million line of credit and ended up borrowing $2.6 million on a short-term basis to cover the district's ongoing shortfall.

Claremore Progress - Local News

Link: Claremore Progress - Local News.

Young debtor says bill could help others Originally published on Wednesday, March 16 By Luke Engan By Luke Engan CNHI News Service OKLAHOMA CITY — Like a growing number of twenty-somethings, Edmond resident Tammy Henricks carries thousands of dollars in personal debt. She thinks financial literacy education in high school could help others avoid her situation. A bill by Sen. Daisy Lawler, D-Comanche, would require a one-semester financial literacy course in Oklahoma’s public high schools. The bill comes as the number of bankruptcies eclipses college degrees and Oklahomans face mounting debt. Henricks, 23, came from Pennsylvania to manage an Oklahoma City restaurant. She said she carries about $28,000 in personal debt from credit cards, a car loan and debt consolidation services.

North Texas e-News

Link: North Texas e-News.

A simple debt consolidation loan can save $$$ By Infiniti Mortgage Capital Mar 17, 2005 Email this article Print this page Many people contact us when they are 30, 60 and 90 days in their mortgage payments. If they are this late with their house payment they are generally behind with the car and have several credits cards that are maxed out. A simple debt consolidation loan would take of all these troubles. By using the equity in your home all the debts would be paid off and you are left with a clean slate and generally spending less money every month. One benefit to a debt consolidation loan that often overlooked is the tax advantage. Interest on a home loan is tax deductible where interest on credit cards and cars are not.

What is a Credit Report?

What is a Credit Report? A selected, short excerpt from Chapter 4 of The Secrets About Good Credit and Debt Reduction Also known as consumer reports and credit checks, credit reports are documented records of background information and credit activity or inactivity on every individual with a social security number in this country. The credit system issues credit reports to determine our level of performance as adults and consumers, just as the education system issues grade reports to determine the level of academic performance. We can't discuss credit reports without discussing credit-reporting agencies or credit bureaus. A credit-reporting agency gathers information such as where you live and work, what legal actions have been filed, what bills you have, and how you pay those bills. This information about you is then sold to creditors, employers, insurers, and other businesses. Credit-reporting agencies are private businesses. They are not government agencies. The Fair Credit Reporting Act (FCRA) enforced by the Federal Trade Commission and your state Attorney General clearly states how credit-reporting agencies must conduct their business and what your rights are as a consumer. (see Chapter 7: Know Your Rights)

Turkey Leads EU in Credit Card Growth

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ZAMAN DAILY NEWSPAPER (2005031017337)

MasterCard Europe Executive Director Alexander Labak has said that Turkey is an important country for credit cards at the moment with a recorded turnover growth of 80 percent making it Europe's leader in the field.

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Self Help Credit Repair-Credit Repair Tips

NNI News - Credit Repair Myths and Facts Credit Repair Myths and Facts There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary. Negative items can be removed from your credit report and you can do it yourself. One does not need a credit repair %u201Cexpert%u201D or %u201Claw firm%u201D to do it either. While the credit world can seem complex to the average individual, the basics are really simple once you know them. Fact: You can remove negative items from your credit report. According to the FCRA, you have the legal right to dispute any piece of information with a credit bureau. Upon doing so, the credit bureau then has 30 calendar days to investigate the item(s). After that time, the credit bureau will either update the item as you request or leave it alone if they proved it was correct to begin with. If you submit additional information on the dispute during the 30 days, the credit bureau is allowed to take an additional 15 days. Disputes can be submitted online at the credit bureau%u2019s site or simply sent via postal mail, which happens to be my recommendation. Disputes sent in based on the free credit report now provided under FACTA are given 45 days to resolve.

Report Credit Card Fraud-Fraud Protection

CUNA: The Credit Union National Association There is currently a fraudulent email circulating that appears to be from the Credit Union National Association (CUNA) asking for personal account information. Please delete this email, as it is fraudulent and a phishing scam. Contact your credit union if you have additional questions. CUNA will never solicit e-mails requesting your credit union username, password, pin number, or other personal identity information.

Police are targeting a pair of credit card thieves

WIVB TV4 Buffalo, NY - Police Targeting Pair of Credit Card Thieves Police are targeting a pair of credit card thieves who went on a recent spending spree in North Buffalo. News 4's Michele McClintick reports security cameras caught them in the act at a Target store on Delaware Avenue. Amherst police are hoping someone recognizes these two men, who authorities say racked up around 700 dollars worth of electronics from a Target store. Amherst Police Detective John Koss says they did it with a woman's stolen credit card. Koss said, "We believe it was taken at the victim's employment or the Wegman's parking lot on Alberta Drive." And police say within a few hours, over 3,000 dollars worth of merchandise was spent on the card. Koss said, "Over time, people can pull it off well, and it lends to believability of being an everyday consumer."

Improve your Credit

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Mortgages and Credit Reports

If you have had credit problems, be prepared to discuss them honestly with a mortgage professional. Responsible mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties. If you had a problem that's been corrected and your payments have been on time for a year or more, your credit may be considered satisfactory.

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Hospital Patient Robbed Of Credit Cards

WFTV.com - News - Hospital Patient Robbed Of Credit Cards, Checking Account Hospital Patient Robbed Of Credit Cards, Checking Account POSTED: 5:20 pm EST February 17, 2005 UPDATED: 6:05 pm EST February 17, 2005 CLERMONT, Fla. -- An 83-year-old woman became the victim of a thief in just about the last place she would have expected, during a visit to the hospital. GET WFTV NEWS HEADLINES BY EMAIL 9 a.m. Headlines Noon Headlines 4 p.m. Headlines News of the Strange Breaking News Alerts According to Augustina Malavet's credit card statements, she did a lot of shopping over the past couple of weeks, including at a Clermont Target store. The only problem is, it couldn't have been her. Inside her daughter's Clermont home, Malavet is recovering, not just from her latest medical mishap, but from her last stay at South Lake Hospital. "I feel very bad. I feel disgusted. I'm 83 years old," Malavet says. She was having chest pains, and when an ambulance arrived to take her away, she says she handed the paramedic her wallet to get her medial cards out. Later, during the admitting process, she got the wallet back, which she kept in her room. But several days later, she noticed two credit cards and a bankcard were missing. "That's terrible, that's terrible. I never thought nobody could do that to me," Malavet says. Whoeve