Bretton Woods Inc - Bounced check/overdraft fees paid by state

Because you write about state-specific issues, thought you may like to see a new report that details the amount of bank and credit union NSF/ODP ... ;STORY=/www/story/01-12-2009/0004953295&EDATE= Banks and Credit Unions Collect ... by banks and credit unions in 2008. The research by bank strategist G. Michael Flores reveals the amount [more...]

Date: 2009-01-08 15:02:23

Blog posts (114) | Videos (48)
 

Auto News

Chrysler Almost Didn’t Introduce Minivans Under Federal Loan Board Chrysler’s minivans - at the time innovative vehicles credited with the ... on a German news website. Ford Execs Hope To Fuel Company’s Image By shunning government loans, Ford ... s headquarters, beaming. Midwest Credit Unions To Help GM A group of credit unions from Michigan [more...]

Date: 2008-12-10 18:45:15

2008 Forrester Groundswell Awards Winners

by Josh Bernoff We've pored over all 150 entries. These were difficult choices -- the quality of social applications improved markedly in 2008, ... by Common Wealth Credit Union. A credit union in Alberta started a campaign to generate more young [more...]

Date: 2008-10-29 13:55:03

BofA is on Twitter, so why aren’t you?

“I work for Bank of America and I’m here to help, listen, and learn from our customers in the Twitter community ... popular Twitter tool, including Wachovia, NAB’s Ubank and a host of credit unions. Bearing ... , etc., as this credit union has. Key Question [more...]

Date: 2009-01-08 01:37:53

Meltdown marketing: 3 things credit unions must do

... effects on their debt utilization ratio, thereby lowering their credit score It leaves many dangerously ... for the credit union industry to step out from the shadow of banks and take a prominent place in Americans’ [more...]

Date: 2008-12-05 17:04:37

Small Banks Still Doing Fine

Back when the financial meltdown had just started making headlines I posted about how smaller, regional banks were largely unaffected ... that or go out of business. Today I got an email from my personal financial institution, Town & Country Credit Union ... institutions. However, I am proud to report that Town & Country Credit Union remains [more...]

Date: 2008-10-15 20:46:31

Bankruptcy Issue; Privacy and Third Parties

Never underestimate the value of attending a conference ... credit unions and other creditors for discrepancies in credit reports.  The problem stems from the way ... .  You get to pick up great tips from smart people, like Andy Keeney, a credit union attorney [more...]

Date: 2008-11-10 15:44:30

How To Build A CD Ladder and Get The Highest Interest Rate

During tough times, there is always the inevitable flight to quality as investors seek out stable investment options to keep their money safe from ... certificate of deposits (CDs). Because CD’s are issued by banks and credit unions, they enjoy ... fixed time asset offered to consumers and businesses by banks and credit unions. When you buy a CD [more...]

Date: 2008-10-21 03:29:32

Military Retirement - Special Tools for Planning

by Michael Geoffrey People in the military usually have a much different retirement plan than ordinary civilians so they should use a special ... . Most people in the military are members of a credit union and that is always a great source of information. Getting help at your credit union is a good idea because they have years of experience [more...]

Date: 2009-01-15 23:55:06

damn, i'm good

PART ONEI have spent ALL MORNING (and into the afternoon) trying to call a credit union to get a competing loan on this house nailed down ... . Niiiiiice. So I find out how to quicken up the process (we close a week from tomorrow) and then gird ... for it at closing.) . . . . third, uhm, well, look. Mr. B. has talked to the folks at the Navy Credit Union [more...]

Date: 2009-01-14 21:34:00

Loose Change: 1/15/09

houdini_CV_20090115092637.jpg Getty Images Personal Finance: -How to shop for legitimate, nonprofit credit counseling. SecretsForMoney ... -Members of the Pennsylvania State Employees Credit Union will be trailblazers in the free credit-score front. It’s an expansion of the “Scores on Statements” program. WSJ -Along with college [more...]

Date: 2009-01-15 14:30:54

It’s 2009, Where’s your head at?

I think I’m going to start an annual post, instead of talking about my resolutions I want to talk about things that we should have since it’s 2009 ... it is because in Poland it takes 30 seconds. If two institutions are certified credit facilities (banks, paypal, credit unions, etc) then it should be instantaneous of a bank transfer between them [more...]

Date: 2009-01-08 18:00:33

Credit Report And Correction Techniques

by Ada Denis The three major credit authorities, Experian, Equifax and Trans Union are similar and feature a “Credit Score”, which is produced from credit report data submitted to them about you. Their report includes where ... by a business to settle whether you would be a good employee. Credit report amend takes techniques [more...]

Date: 2008-11-23 20:10:07

Headlines, snapshots and misc. stories of interest

Here are recent stories of interest from around the web. Click on the hotlinked headlines to read more ... interaction.” The Credit Union Brand: What Is It Good For? This Filene report is yet another ... that has a branding problem. Filene’s report shows that most individual credit unions lack any kind of real [more...]

Date: 2009-01-16 15:34:41

How’s My Credit? - Tips To Understanding Your Credit Score

by Christine A. Mathews When you apply for credit, one of the first things a lender will check is your credit score ... . The three major credit bureaus (Equifax, Experian, and Trans Union) all have their own way ... your credit report from each one, as sometimes mistakes are made. When that happens, you should [more...]

Date: 2008-12-20 22:07:30

ChexSystems: Who They Are and How it Affects You

ChexSystems is a company that maintains a subscriber membership service used in the banking industry ... to the same laws as the Credit Bureaus that we are all familiar with: Experian, Equifax, and Trans Union ... . The members consist mainly of Banks, and Credit Unions, but can include other types of Financial [more...]

Date: 2008-12-27 09:00:35

Special Report: Credit Crisis and the Industry - From Dealer News

“I think it’s the sheep effect,” says Carlo Hansen, co-owner of Riverside Kawasaki in Somerville, Mass. “Everybody is scared at the same time. All the news is bad.” Hansen is referring to the nationwide credit crunch. He says even his local credit unions are spooked. One of them is not accepting any applicant with a score below 650 [more...]

Date: 2008-12-28 17:04:52

It’s Your Credit - What Is A Good Credit Score?

posted by colin1234 by Christine A. Mathews When you apply for credit, one of the first things a lender will check is your credit score ... have. The three major credit bureaus (Equifax, Experian, and Trans Union) all have their own way of determining ... your credit report from each one, as sometimes mistakes are made. When that happens, you should [more...]

Date: 2009-01-02 08:41:44

Auto News

Chrysler Joins Credit Union Loan Program Chrysler LLC has teamed with credit unions in 12 states to give its customers access to $12 billion in auto loan financing. Chrysler Viewed As Weakest [more...]

Date: 2008-12-17 18:48:34

Guest post: It's about the spinach, stupid. And the carts. And pretty much everything else.

(Or what credit unions can learn from the mind of a disgruntled big box shopper.) Dear SuperDuperBigMart and credit union professionals ... about my terrible, no-good, very bad day(s), so I logged onto your website. I used all 150 allowed words [more...]

Date: 2008-10-21 15:50:00

Find Out Here Useful Knowledge - Finding Secure Auto Loans Website

You can find online car loans everywhere. But before you punch in important personal information, make sure that you’re on a good secure site ... . You can take it with no penalty if the dealer offers a better loan rate. Check out credit unions, banks ... -related expenses. Don’t forget to verify your credit record. Order a copy of your credit report [more...]

Date: 2008-11-16 19:08:43

MortgageNewsClips: Ira’s Best Must Read, Loan Mods R Ezier, CU Rescue, 33 Act & Lawsuits, Only 4 Homes?, Right & Wrong, Diane Swonk, Chris Whalen, Denying Blame, 5 more

ANOTHER MUST READ - Ira Artman has a thoughtful post on the future of securitization and the revival of ... is foreseen. … - Reuters  2.  Regulators preparing rescue of credit unions: report -  Federal regulators are preparing a rescue plan to shore up the finances of some large credit unions, using [more...]

Date: 2008-12-11 01:54:43

GM Loosens Credit Restrictions

In a rare instance of seeing an immediate impact on consumers from federal bailouts, GM’s financing arm, GMAC, will lower its credit requirements from a credit score of 700 to one of 621 to secure car loans ... of providing credit to buyers, including an agreement with Midwestern credit unions. The new requirements [more...]

Date: 2008-12-30 16:13:12

Would Knowing Your Credit Score Make You a Better Borrower?

This time it’s not a bait and swtich. You may be familiar with Freecreditreport.com ... State Employees Credit Union is giving its online banking and credit customers access to Scores ... . The company promises a  ”free” credit score upfront and hits you with enrollment in a $15/month [more...]

Date: 2009-01-16 18:49:19

Council Vice Chairman John Hope Bryant Shares Council Tips for the Public During Tough Times

AN IMPORTANT MESSAGE FROM THE PRESIDENT???S ADVISORY COUNCIL ON FINANCIAL LITERACY November 25, 2008 ??? ... theft, get a free copy of your credit report at annualcreditreport.com. ... how your bank or credit union account is insured. The Federal Deposit Insurance Corp. (FDIC [more...]

Date: 2008-12-08 03:23:03

President’s Advisory Council: Tips to Managing Your Money in Challenging Times

AN IMPORTANT MESSAGE FROM THE PRESIDENT’S ADVISORY COUNCIL ON FINANCIAL LITERACY “We believe that the current economic crisis underscores the need ... controlyourcredit.gov. Also, to protect against identity theft, get a free copy of your credit report ... in Challenging Times 1. Understand how your bank or credit union account is insured. The Federal [more...]

Date: 2008-12-16 15:58:07

You can’t win everyday

Vincent Farrell, Jr. is Chief Investment Officer of Scotsman Capital Management LLC., a New York based investment management company ... factories and laying off 1,300 people. Texas Instruments and National Semiconductor issued warnings ... had an article that some credit unions need help due to unwise investments in mortgage backed securities [more...]

Date: 2008-12-10 11:02:29

Link Roundup: Two-dollar bill edition

A week ago I was able to get twenty-three $2 bills at our credit union.  They had been in my wallet but I asked my wife if she wanted one ... to do, but he’s right.) No Credit Needed announced that the NCN Network is accepting new members ... Finance discusses tithing while you get out of debt. Free Money Finance shows how to pay off $30k [more...]

Date: 2009-01-15 08:10:35

In Need of Some Executive Assistance...

Our Irving, TX client is looking to hire an Executive Personal Assistant on a direct hire basis to manage two VPs in their busy and growing office ... attitude. Our client will run a full credit and background check prior to employment offer.Our Irving ... cafeteria, on-site work out facility, employee credit union, tuition reimbursement, paid vacation [more...]

Date: 2009-01-12 18:57:00

It’s Time To Cut Back In California

The Union Tribune reports from California. “ABA Recovery Service owner Marcelle Egley-Sparks said that in the past year, ... of the Center for Consumer Financial Services at E. Philip Saunders College of Business in Rochester, N.Y. ... During its first 73 years, San Diego Metropolitan Credit Union never lost money on a real estate loan [more...]

Date: 2008-08-24 18:28:13

What’s the Carbon Footprint of my Checking Account?

Crossposted from the Understory RAN released a new report today, “Financing Global Warming: Canadian Banks and Fossil Fuels“, ... , we also launched a new website, climatefriendlybanking.org. The report results are striking ... s largest credit union), would reduce your annual carbon footprint by 1.4 tonnes of CO2, a very meaningful [more...]

Date: 2008-11-20 22:15:55

P2P Lending Double Whammy – SEC and Credit Crunch

Peer-to-peer lending sites like British-based Zopa are starting to reflect the weakness cutting through the global economy. Their U.S ... with the Big Banks’ experiences was that the average credit score of the delinquent pool is getting ... . operations will now be handed over directly to their Credit Union partners, rather than remain [more...]

Date: 2008-10-16 19:43:02

Your Credit Score - What Is A Good Number?

by Christine A. Mathews When you apply for credit, one of the first things a lender will check is your credit score ... are Experian, Equifax, and Trans Union. Each one has it’s own method of deciding what your credit score ... . Mistakes happen, which is why you should review your credit report annually with all 3 credit bureaus [more...]

Date: 2008-12-19 03:43:07

Evening Update

Evening Update I'm happy to report that at long last me and my $423.80 have been reunited ... to the credit union this morning I attempted to contact Andrea, the writer of the letter I received ... speak to someone else but she didn't seem to know anything about my problem. She promised to check [more...]

Date: 2009-01-13 00:35:23

Is your bank safe and sound?

There have been five north GA banks that have failed last quarter or are on the problem list with cease and desist ordersFreedom Bank, Commerce, ... : *** "Performing"The Bankrate system also rates credit unions. I didn't check banks in Athens ... Specialists.In our neck of the woods, the employment outlook is dim. Unemployment rate increases to 25-year [more...]

Date: 2009-01-02 17:04:00

The #1 Secret to Saving More Money: Pay Yourself First

How much do you save each month?   You may be making 401(k), 403(b), or ESPP contributions out of your paycheck, if you are an employee ... , and the 7 Legal & Financial Strategies to Grow Up! Your Small Business Audio Class, by joining as a Wealth Spa ... Savings Plans:  Most banks, credit unions, and brokerages have automatic savings or transfer [more...]

Date: 2008-12-22 19:19:36

Clark Howard talks about the worsening economy

Some interesting articles from Clark Howard’s website: New signs of worsening economic situation CLARKONOMICS: ... value of the banking sector’s toxic assets at $2.1 trillion — that’s $2,100 billion dollars!  Read ... is actually like the equivalent of a credit union for investing because it’s wholly owned by account [more...]

Date: 2009-01-16 23:09:38

What does Paulson want?, the "Cliff Notes"

Reuters published a handy summary of Paulson's bail out proposal along with the counterproposals by Democrats and Republicans : ... but not limited to banks, thrifts, credit unions, broker-dealers and insurance companies. If deemed need(sic ... the secretary's decisions. The secretary would report to Congress within the first three months and then twice [more...]

Date: 2008-09-23 13:17:49

CCI calls for Boycott

by Catholic Citizens of Illinois When the Catholic Bishops of the United States established the Campaign for Human Development in 1970, ... , community-run schools, minority-owned cooperatives and credit unions, capital for industrial ... of the Democrat Party. In a November 4 report in The Washington Time, the U.S. Conference of Catholic Bishops [more...]

Date: 2008-11-23 17:21:11

Identity Theft: Even Your Child Is Not Safe Any More

Surprisingly, identity theft has begun to take a whole new turn with identity thieves not even sparing children ... -approved credit card offers. You can check with major credit bureaus such as Equifax, Trans Union ... pickings. Often they only find out once they have applied for admission to a college, asked for credit [more...]

Date: 2008-11-11 14:39:19

Interview with Jillayne Schlicke - Part 1: LO’s Are You Ready for 2009?

I recently contacted Jillayne to see if she would be open to an “interview” geared to Loan Originators who plan to sticking around beyond the end ... series with the next post addressing the SAFE Act (national licensing). My questions to Jillayne ... such as mortgage broker LOs and CLA correspondent lenders, credit union and consumer loan  LOs [more...]

Date: 2008-11-05 20:31:30

The Best of August 2008

August was a great month here at FiveCentNickel, thanks in large part to contributions from readers such as yourself ... for Your Car-Buying Dollar Quicken 2009 Discounts Five Ways to Get Your Credit Report for Free ING ... Qualifying for an FHA Home Loan A Peek Inside Our FNBO Direct Online Savings Account Is Your Credit Union [more...]

Date: 2008-09-02 03:01:56

Things I Learned When I Refinanced My Home

Some days I feel like a home refinancing expert. I’ve refinanced my home twice in the last three years to take advantage of attractive interest ... , I called my local banks, credit unions, and savings and loan companies. I also checked interest rates on the Internet. One year later, while checking on the Internet I found a rate of 4.375 percent [more...]

Date: 2009-01-15 01:31:07

why should i repair my credit

FAQs On credit Part 1 Nowadays, with identity theft rampant and po ibility of data entry errors it’s a high probability that your credit report contai entries that do not belong to you. Incorrect items on your credit report will negatively ... is calculated by the three major credit reporting bureaus (Tra Union, Experian and Equifax [more...]

Date: 2008-10-20 20:39:39

Ross, Dixon & Bell Spreads Holiday Cheer

Ross, Dixon & Bell doesn’t have much time left before the law firm’s name is lost in its merger with Atlanta-based Troutman Sanders ... San Diego Credit Union Poinsettia Bowl. This year, due to economic considerations ... 600 kids in limbo after they had been promised a trip to Qualcomm Stadium in San Diego, a party [more...]

Date: 2008-12-23 20:43:30

How I beat the market

For my first job out of college, I was hired as a fund manager. Sort of ... and community-based banks and S&Ls. Certificates of deposit with community development credit unions ... , I would contact the banks, requesting their latest CRA statement -- the legally required report [more...]

Date: 2008-11-17 00:25:51

How To Chase High Interest Rates On Savings Accounts and Manage Them

I consider myself one of many rate chasers out there - savvy savers who hunt for the best annual percentage yield (APY) interest rates at banks and credit unions, and who are keen on quickly moving large sums of money ... of what I own in cash form, invested in stable interest bearing savings accounts. The type of money [more...]

Date: 2008-07-01 19:21:37

Affordable New Vehicle Financing with Chrysler Financial

Chrysler customers with a wide range of credit scores are immediately eligible for affordable financing  Company rolls out national zero percent APR offer on select vehicles  Partnership with credit unions and independent lenders continues ... . Now our customers, including those with scores in the 620 range, will be able to apply for affordable loans [more...]

Date: 2009-01-16 19:39:42

Idiots of the Week: December 1, 2008

Top Idiots Of The Week Nancy Morgan RightBias.com November 19, 2008 ... on his left hand. Ain’t it cute? He’s not alone…A brothel in Europe offered free entry to anyone ... from a Leavenworth credit union by using a stolen skid loader. Then — in an alleged effort to bust [more...]

Date: 2008-12-01 15:16:54

Credit Repair Help - It’s Not As Hard As You Think!

by Mark Alison It’s hard to live with bad credit. You need credit to lease a house or car ... to get your credit back in good standing, some sacrifice should be made. Equifax, Experian, and Trans Union are the three credit reporting agencies that report to FICO. FICO is who keeps your credit score [more...]

Date: 2008-12-28 22:13:40

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