Kellys Credit Information

Credit Information

Credit Card Debt: How To Control It


A lot of people spend more money than they can afford to repay toward their credit card debts. To regain control over your finances and to manage your debt, here are some solutions you can try.

Understanding the Function of Credit


What is Credit?Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame.

Cutting Credit Card Costs


What are the APRs charged by the credit cards in your wallet? If you are paying more than 12% interest on any of them, you are probably paying too much. The prime rate is currently in the single digits, so credit card companies that charge above 13% APR are overcharging.

Restore Your Credit Rating And Reduce Your Debts


Your credit rating affects many areas of your life. Opening new credit accounts, buying a home or car, getting a new job, and receiving discounts on insurance rates are just a few of the things that are impacted by your credit score.

How Your Credit History Can Affect Your Life


Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle.

10 Signs You May Need Credit Counseling


Debt management programs can be of real help for people that discover they cannot face their debts. At first, they will attempt to solve the situation all by themselves by cutting down on spending and keeping a close eye on accounts.

Common Credit Score Myths


A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing.

Finding and Applying for the Right Credit Card Offer Online


Anywhere you go online nowadays, you will see a multitude of ads for credit cards. Some offer low interest rate for an introductory period, or bonus frequent flyer miles while others offer real discounts on new vehicles and equipment.

Cash Back vs. Rewards Credit Cards


Ah, the sweet rewards of using credit!Not only do you get immediate gratification with the buy now-pay later plastic, but now, many credit cards offer rewards and incentives for using their card to make purchases. You can get cash back, or gift cards, or 'reward points' that you can spend on merchandise or services from various merchants.

Avoiding College Credit Card Traps


Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus.

Credit Report Secrets: Do You Know What They Reveal?


If you've ever applied for a credit card or loan, you've probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you.

Identity Theft - Monitor Your Credit Report


The recent security breach at credit card processor CardSystems Solutions has many consumers worried. Thanks to a well-placed computer virus, nearly forty million credit card numbers were stolen, and cardholders nationwide are justifiably concerned about identity theft.

Which Business Credit Cards with Reward are the Best?


Thinking of applying for a credit card with a reward program to help you and your business? Here is a brief guide to some of the best programs on the internet.The Platinum Business Credit Card with rewards from American Express is a great offer.

Manage Your Credit Wisely


Getting your first credit card is a big deal and all young people look forward to it with bated breath. We wait for years to be able to apply successfully for out own credit card.

Credit Report - How Your Credit Score is Determined


Most consumers are aware that they have something known as a credit report that is used to determine whether or not they would qualify for a loan. Fewer are familiar with the FICO score, a creation of the Fair, Isaac, and Co.

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MORE RESOURCES:

Town Hall

CREDIT MARKETS: Few Issues Cap Busy Week For Corporate Bonds
Wall Street Journal
In high-yield, Ford Motor Credit Corp.'s 7-year notes sold on Wednesday were similarly oversubscribed. Even secondary trading volumes have picked up since ...
CREDIT MARKETS: Tepid Auction, Refi Fears Dominate TradingWall Street Journal
Analysis: Equity 'volatility' vs credit market, what to believe?Reuters UK

all 355 news articles »


This is Money

The New Credit-Card Tricks
Wall Street Journal
The Credit Card Accountability Responsibility and Disclosure Act of 2009, known as the Card Act, was intended to reshape the contours of consumer finance. ...
What is a merchant supposed to do when a credit card is left at his or her ...Seattle Post Intelligencer (blog)
5 Ways to Quickly Boost Your Credit ScoreU.S. News & World Report (blog)
Do prepaid debit and credit cards affect your credit score?Helium
e-wisdom.com (blog) -Which? -CardRatings.com (blog)
all 16 news articles »


Christian Science Monitor

What Credit Cards Cost the Poor
The Atlantic
It's fairly well-known that less affluent people have trouble getting credit cards, and when they do they often are forced to pay higher interest rates. ...
Use Balance Transfers to Reduce Credit Card Debt, Says SmartBalanceTransfers.comMarketWatch (press release)
Who Pays For Credit Card Rewards?NPR (blog)
4 Common Fees and How to Avoid ThemU.S. News & World Report (blog)
The Economist (blog) -Forbes (blog) -JoongAng Daily
all 101 news articles »


MDC Holdings 2Q Loss Narrows, Helped By Tax Credit; Orders Up
Wall Street Journal
Outside of orders, home builders have seen better results in recent quarters, helped by the federal government's tax credit given to first-time home buyers. ...
M.D.C. Holdings Announces Second Quarter 2010 ResultsMarketWatch (press release)
Homebuilder MDC Holdings narrows loss in Q2 as closings soar 71%Denver Business Journal

all 22 news articles »


US CREDIT-Lincoln National bonds attractive after earnings
Reuters
N) bonds may be a safe bet as the insurer enhances its liquidity, sees positive credit ratings actions and pays off its obligations to the US government. ...
Lincoln Beats, Growth Across BoardZacks.com

all 4 news articles »


FreightCar America gets $30M credit facility
The Associated Press
CHICAGO — Railcar manufacturer FreightCar America Inc. said Friday that it has entered into a senior secured revolving credit facility for $30 million. ...

and more »


News Fire

Credit card debt reduction companies: The Real Deal
NewsChannel 9 WSYR
Syracuse (WSYR-TV) - Everyone has heard the ads for companies that promise to reduce credit card debt. For years, they've been charging big bucks upfront to ...
Credit Score Drops Tremendously in the USTimes News World (blog)
Giving credit where it is dueMail & Guardian Online
Why you need to go with a Credit Card debt consolidation company to get the ...TMCnet
OfficialWire (press release) -WDBJ7.com -CardRatings.com
all 62 news articles »


Give Mike Brown credit ... this signing was brilliant
Boston Herald
Brown didn't get much credit for that title, so it's only fair to give him credit for this: The signing of Terrell Owens was a masterstroke and should be ...

and more »


Weyerhaeuser Says Pace of US Housing Recovery Uncertain After Tax Credit
Bloomberg
“This has been especially evident in the market retreat following the expiration of the federal homebuyer tax credit at the end of April. ...

and more »


TheStreet.com

AT&T Bonds Fall After Unusually Timed Credit-Rating News
Wall Street Journal
The credit ratings agency also said it has concerns about AT&T's pension and post-retirement obligations. Gatlin, the AT&T spokesman, defended the company's ...
S&P upgrades Invesco credit ratingsBusinessWeek
S&P says may cut AT&T's credit rating by one notchReuters
AT&T's corporate credit rating faltersSan Antonio Express
TheStreet.com -Barron's (blog) -Dallas Business Journal
all 52 news articles »

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