09/7/14

What Does The Credit Report Say Regarding Us?

What Does The Credit Report Say Regarding Us?
Of all of the info that's accessible regarding we today, none has because much impact because the credit history. You can access your free credit reports from all 3 bureaus once an year. This history may determine whether there are credit, and just how much you’ll pay for it. That being the case, don't we think we …
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Now Is The Time To Check The Credit Report And Save Before The Holidays
"It's significant to review the credit reports, to find when there has been any suspicious activity with a accounts," mentioned Katie Moore, credit counselor from nonprofit GreenPath Debt Solutions. "The future getaway season is a really busy time whenever it …
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6 Tips to Improve a Credit Score Fast
It's significant for we to have healthy credit reports plus credit scores, because landlords, insurers, creditors, plus others consider the credit reviews plus create decisions accordingly. Should you like to be available the number one interest rates about financing, for …
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10 Ways To Improve The Credit Report
From everyday products including fuel plus food to big-ticket purchases including vehicles plus houses, many individuals depend about several shape of credit. To always will receive which credit whenever we require it, it's significant to have a advantageous credit report. Check yours …
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04/26/15

CompareCards Releases Financial Forecast Report


Charleston, SC (PRWEB) April 22, 2015

CompareCards, a respected bank card contrast company, partnered with huge information analytics and understanding company, evolve24, to analyze consumer conversations about personal finance to uncover what’s new, what’s changed, and in which private finance conversations are headed next.

In February 2015, a lot more than 3.6 million conversations about personal finance were analyzed from various web mediums. Information had been collected from social media web sites, blog sites, online forums, internet sites, television, radio, and conversations in publications and papers. Habits in these conversations determined just what customers were referring to, what consumers care about, and emerging styles.

“The data in this report reveals what ?ndividuals are really dealing with in regard to private finance, without what we believe they are speaking about or is speaing frankly about,” said Chris Mettler, creator of CompareCards. “By taking a look at millions of conversations we real insight into just what in fact matters to customers.”

The elements forecast-themed report is divided into three categories including: brand new Developments, the “I” of the Storm and On the Radar.


New Developments: Conversations about “overspending on meals” were talked about with additional volume (~140,000 articles) than any various other topic in February. People respected they were spending a pile of cash on food and considered it an issue as they had less to invest various other places. Most of the individuals who claimed this is a problem said they would prefer to purchase other items (rather than preserving).
“I” of the Storm: “Identity theft” is it month’s big idea showcased in the ‘I’ regarding the Storm. This location covers several concerns experienced by consumers, including subjects about income tax fraudulence, data theft studies, and international hacking, which are primarily bad in their talks.
In the Radar: Listed here subjects are the many emotional subjects, but have actually yet to become high in amount. If these subjects gain interest and amount, they truly are prone to drive changes in behavior and philosophy.
Questions Regarding Taxation Fraud
Financial Planning
Taxation Season
Tax Questions
Fraudulent Tax Statements
800,000 Receiving Wrong Affordable Care Act Information
Fundraising and Charity

“We applied some analytics to each and every article we accumulated and identified topics of conversation because they appeared and changed. We utilized our metrics determine these subjects because of their relative emotion,” stated Tracie Gildehaus, vice president of partnerships and innovation, evolve24. “We think probably the most emotional subjects are the ones almost certainly to change values or behaviors. These ‘most important’ topics tend to be hardly ever probably the most discussed – however they are probably to possess an important effect on the feelings and activities of people.”

To look at the entire six-page report go to: http://www.comparecards.com/education/reports

CompareCards will continue to issue up to date Financial Forecast Reports in the future months, enabling private finance trends and information to be provided and compared.

About CompareCards:

CompareCards was formed in 2005 as credit cards listing resource, but has grown into probably one of the most respected charge card comparison sites utilized these days. Using a side-by-side comparison tool, consumers are in a position to compare charge cards and discover the best bargain on the basis of the elements being important to each individual. CompareCards also offers customers a method to manage their total credit score and financial health through their no-cost Credit Concierge solution. Also, CompareCards provides consumers with usage of stay credit experts, offers financial education through numerous infographics, and assists consumers remain on the top of newest personal finance styles and credit card news through the CompareCards blog.

About evolve24:

evolve24 is a large data analytics and ideas company that measures audience perception to allow clients to produce confident company decisions. With bleeding-edge technology and patent-pending analytics, like advice, Emotion, Trust and PreCISE™, evolve24 utilizes big information to derive market and customer ideas, measure system effectiveness and provide anticipatory concern intelligence through revolutionary research, dashboards and portals. Find out more at evolve24.com or follow @evolve24.







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04/21/15

People without credit score now getting one

People without credit score now getting one
"When you look at the basic utilities, water, gas, light, many of our families are going to pay them late sometimes, they get in a financial bind and they pay them late; but they will pay them because they need them, but if it adversely affects the …
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What Keeps Some Consumers Stuck in Bad Credit
If the consumer really wanted to work on her credit, she might want to only spend $ 50, to keep her utilization at 10% or lower. See Where You Stand See Where You StandSign up at Credit.com and get your FREE credit score & report card. Plus see how you …
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Annual credit report
… flagging comments that are offensive or inappropriate (hover over the commenter's name and you'll see the flag option appear on right side of that line). And remember, respect goes both ways: Tolerance of others' opinions is important in a free …
Read more on WJXT Jacksonville

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04/20/15

AgCarolina Farm Credit Reports Net Earnings of $31 Million in 2014


Raleigh, NC (PRWEB) April 17, 2015

AgCarolina Farm Credit, a member-owned cooperative, experienced another successful year in 2014. Net earnings of $ 31 million, along with an 8 percent increase in loan volume from the previous year were reported. The cooperative received a special distribution in 2014 from AgFirst Farm Credit Bank, the Association’s funding bank, which contributed to the record earnings for 2014.

As owners of their financial cooperative, AgCarolina’s customers have the opportunity to share in the financial success of the cooperative through patronage dividends. In April, the Association will distribute $ 12 million in total patronage refunds to customers, which includes a “bonus patronage,” in addition to a healthy base patronage distribution. “For the past 27 years, the Association has generated enough earnings to return over $ 200 million back to our customers, in the form of a patronage refund,” said CEO Dave Corum. He continues, “Over the last 10 years, customers have received an average annual interest rate discount of 1.00% from patronage.” “We are the only lender in the area who does that!” he adds.

AgCarolina Farm Credit is a farmer owned financial cooperative with headquarters in Raleigh. They are the leading provider of credit to farmers in central and eastern North Carolina. AgCarolina Farm Credit has over $ 1.2 billion in loans and commitments outstanding to nearly 3000 North Carolina farmers. Loans are made to finance land, homes, farm buildings, operating expenses, livestock and equipment, as well as other purposes. Credit life insurance, crop insurance, appraisal services, and leasing are also available through AgCarolina Farm Credit.

To learn more about AgCarolina Farm Credit visit http://www.agcarolina.com







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04/18/15

Company Credit Score 101

Business Credit Rating 101
You have the straight to a free of charge individual credit history from each of the three major credit rating bureaus, TransUnion, Equifax and Experian, once every 12 months, and you will get FICO scores for free from a number of bank card issuers. Not for …
Read more on NerdWallet (blog site)

Credit rating agencies negotiate with state AGs
The three huge credit rating companies have consented to earn some modifications. When confronted with investigations within the last 12 months led by Attorneys General from nyc, Mississippi and Ohio representing 25 various other says, Experian, Equifax and TransUnion have …
Read more on Richmond.com

Credit agency offer purchases time on medical disputes
A recent settlement amongst the ny lawyer General and three national credit-reporting agencies will purchase time for scores of People in the us struggling to ascertain just how much they owe for their medical treatment. Yet the regards to the contract won't …
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Credit cards: 3 you can easily close, 1 you need ton't
That's because balances in many cases are reported towards the credit reporting agencies mid-billing cycle. If you have actually a $ 5,000 limitation and you charge $ 3,000 in a month, you may be apparently utilizing 60percent of available credit. That's over the recommended 30% or less …
Find out more on American TODAY

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04/17/15

A way out of the maze of credit-report correction

A way out of the maze of credit-report correction
Under the federal Fair Credit Reporting Act, credit bureaus and the companies supplying credit information to them have to correct inaccurate or incomplete information in your files. You have to tell the bureaus and the creditors you have a problem …
Read more on Detroit Free Press

Common Ways Errors Get on Your Credit Report
This information is commonly generated by one of the three major credit bureaus — Equifax, Experian and TransUnion. Lenders, insurers, employers and others then use the generated report to assess an individual's ability to manage his or her financial …
Read more on SavingAdvice.com

Credit bureau TransUnion files for IPO
(Reuters) – TransUnion, one of the largest credit bureaus in the United States, filed with U.S. regulators on Tuesday for an initial public offering of common stock. The company, whose competitors include Equifax Inc and Experian Plc , sells credit …
Read more on The Fiscal Times

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04/14/15

Counseling for Marriage can help to save your commitment

Numerous partners reach a point in their relationship once they feel these are typically at an impasse. They might have attempted to over come a serious problem or crisis independently, and knew in the long run that maybe getting counseling for wedding issues they’re experiencing is a significantly better strategy. Although guidance will not assist every marriage, it will help many partners daily. For some marriages, it’s not merely aided, this has held the few from ending up in divorce court.

Therefore, how do you see whether relationship guidance is something you and your spouse should go after? Perhaps you are thinking that it is impossible you intend to air your dirty washing facing an overall total complete stranger, no matter what hard things are today. You may even be experiencing that counseling for relationship is far too pricey. This short article address those two frequent problems and provide you with several things to consider if you’re wanting to determine whether or not to seek specialized help for the situation.

I do not like to speak to a stranger about our issues.

This will be a common objection with which lots of people battle once the idea of guidance for marriage will be considered. What you should realize is one of the reasons marital therapy can be quite helpful is simply because the specialist, as a stranger, is in a neutral and unbiased place.

If you have tried to communicate with or seek advice from family members or pals, you’ve got probably unearthed that these are generally too near the scenario is helpful. They may have a difficult bias which makes it tough to hold perspective relating to your scenario. This in turn will color any guidance they might you will need to provide. In many cases, talking-to nearest and dearest or friends will make the specific situation worse.

This is one reason why counseling for marriage can be quite helpful. Once you begin establishing a relationship because of the specialist, you will probably value how safe it actually seems to go over your issues with someone who is not likely to take edges and who are able to examine your situation from a fresh point of view.

Counseling is just too expensive.

Treatment does price cash. You might be purchasing an extremely trained expert to present an invaluable service. But you’ll want to give consideration to exactly how much more costly getting a divorce will soon be. When it comes to price of a divorce, not forgetting most of the pain and grief that often accompany it, counseling for wedding is generally significantly less pricey – in fact, usually by thousands. Whenever you think of it similar to this you might reconsider the objection which you can not manage it. And there could be some options if finances are truly a concern.

In a lot of urban centers you will find clinics that offer guidance solutions for a lowered fee either based on income skills, or because therapists are graduate students under direction. Also, that you do not fundamentally have to go weekly. You are able to go every single other week, which can make counseling for relationship less expensive for you personally while you decrease the general month-to-month cost by distributing the appointments out a little.

Both of these objections to guidance for marriage are extremely common. It’s not just you whether they have entered the mind. If your wedding has reached a crisis point hopefully you are going to very carefully consider the choices unless you get some assistance.

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04/12/15

American Consumer Credit Counseling Offers Important Money Lessons for Kids of all Ages During Financial Literacy Month

Boston, MA (PRWEB) April 01, 2015

Learning about finances at a young age is a key component to making smart financial decisions in the future.

Despite this, studies show that a majority of young people struggle with financial literacy in the U.S. Just 17 states require personal financial classes in high school, according to a survey by the Council for Economic Education.

April is Financial Literacy month, and national nonprofit American Consumer Credit Counseling has a variety of resources to ensure that children of all ages learn about finances, budgeting and how money impacts their daily lives.

“Financial education is key to economic stability and success, and kids are never too young to start learning about money, budgeting and saving,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “While extensive financial education resources are available, too often they aren’t included in students’ learning environments or school curriculum. This has lifelong financial consequences. If we want our kids to be smart financial adults, we need to introduce these core concepts at a young age.”

Preschool through Grade 2

Parents should introduce the concept of money to children in pre-Kindergarten. Preschoolers can learn to identify, count and sort different types of coins, while kindergarteners can learn how much different coins are worth. First and second graders can begin to determine how to use the fewest number of coins to achieve different amounts, and whether they have enough money to purchase items at various prices. Second graders can also learn to make change.

Make learning about money fun. Start by turning everyday activities into an opportunity to explain what money is and how it is used. For example, during a trip to the grocery store parents can compare food prices. And the next trip to the ATM is an opportunity to make sure your child understands that money must be earned and does not just come from a machine.

Grades 3 through 6

As children progress through elementary school into middle school, they can begin learning about smart money choices. Distinguish between needs – items such as food, shelter and clothing – and wants – things like toys and candy. Money is earned and children at this age can be introduced to the concept of budgeting – particularly if they receive an allowance, get birthday cash or gift cards, or money from chores.

Introduce a budgeting worksheet that lays out sources of income and expenses so that children learn what money is being earned and spent. At this age, the concept of saving – putting money aside now to be used later – becomes important. The next time your child receives a birthday check, take them to open a savings account and explain how their money can grow due to interest.

Grades 7 through 12

By the time children reach middle and high school they are old enough to understand and utilize the concepts of earning, planning and saving. Most kids at this age begin to earn money, whether through a summer job, babysitting or other work. With this new income comes opportunities for budgeting and savings. It is important that kids keep track of their spending and know where their money is going each month. Explain that a portion of each paycheck should be put directly into a savings account.

Children should set SMART financial goals by deciding what they are saving for and how much they are going to need. SMART financial goals include being:

1.    Specific: What exactly needs to be accomplished? Who else will be involved? Where will it take place? Why do I want to accomplish this goal?

2.    Measurable: How will I know I’ve succeeded? How much of a change do I need to make? How many accomplishments or actions will it take?

3.    Achievable: Do I have, or can I get, the resources needed to achieve the goal? Is the goal reasonable for me? Are the actions I plan to take going to bring me success?

4.    Realistic: Is it worthwhile for me right now? Is it meaningful to me? Will it delay or prevent me from achieving more important goals? Am I willing to commit to really achieving this goal?

5.    Timely: What is the deadline for reaching the goal? When do I need to take action? What can I do today?

Once kids get SMART about their goals, they can develop a detailed budget, utilize a bank account, and learn about what it means to spend and borrow smart, without getting into too much credit card debt.

Pre-college and college students

As children begin thinking about college and life post high school, their financial needs become more pronounced. During this time, it’s critical that students learn in detail how to choose a bank, credit card, and overall preparation for their financial futures.

Students thinking about college should learn about various scholarships, how to earn money while in school, and apply the financial lessons they’ve already learned by finding ways they can save money on textbooks and other college expenses. For more detailed information, students can download the ACCC Financial Workbook.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:


    For credit counseling, call 800-769-3571
    For bankruptcy counseling, call 866-826-6924
    For housing counseling, call 866-826-7180
    For information on financial education workshops in New England, call 800-769-3571 x1980
    Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. In order to help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loans, youth and money, homeownership, identity theft, senior living and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to ConsumerCredit.com or visit TalkingCentsBlog.com.







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