Is the South African economy out of the woods?

On Friday ratings agency Moody’s affirmed South Africa’s investment-grade credit rating and revised its credit outlook to stable from negative, saying the previous weakening of national institutions was gradually reversing which supported an economic recovery. CNBC Africa is joined by Nedbank Economist, Isaac Matshego and Annabel Bishop, Chief Economist at Investec.

368 Videos (and 645 Articles) for this topic

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Credit Report: Request your free credit report

The Credit Report Challenge invites you to request a free credit report. A credit report contains the detailed information used to calculate your credit score, which is usually used to determine your eligibility for a loan or credit card or whether you qualify to rent an apartment. Many employers are now checking credit reports as part of the hiring process. Credit scores may even be used to determine your insurance premium for home and auto insurance. With so much riding on the accuracy of...

365 Videos (and 1101 Articles) for this topic

How To Dispute Errors On Your Credit Report

This video is a high level overview on how to dispute errors on your credit report.

Get my FREE Financial Goals Guide:

Need financial coaching or help with your credit? Contact me at

As promised the links to the online dispute form for each credit reporting agency is listed below:

Equifax -

Experian -

TransUnion -

Want to file a...

130 Videos (and 675 Articles) for this topic

Check also :

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CreditKarma creditkarma com

CreditKarma is a credit repair business website specializing in credit score improvements at all three major credit reporting agencies:

-Transunion - 800-888-4213 (general) or 800-680-7289 (fraud); Box 2000, Chester, PA 19022.

-Equifax - 800-685-1111 (general) or 800-525-6285 (fraud); Box 740241, Atlanta, GA 30374.

-Experian - 888-397-3742 (general and fraud); Box 2002, Allen, TX 75013.

Your CreditKarma members area...

88 Videos (and 469 Articles) for this topic

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Three Credit Reporting Agencies

107 Videos (and 586 Articles) for this topic

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Calgary Mortgage Consultant reveals How Your Cell Phone Impacts Your Credit

As you may know, credit reporting agencies collect all the data on your loans, lines of credit and credit cards to create your credit report and calculate your credit score. This information is then used by lenders—including mortgage lenders—to determine whether you’re a good credit risk. What many people don’t realize is that cellphone bill payments can also have an effect on credit rating. Here's how your cell phone impacts your credit. If you're looking for a top-notch mortgage...

95 Videos (and 372 Articles) for this topic

Credit Score

Do you know your credit score? According to a recent poll, 80 percent of people dont. Peter Exner of Credit Counseling Services of Alberta says there are two main credit reporting agencies in Canada where you can find out your credit score. Exner explains how credit scores work, and how to get yours.

57 Videos (and 109 Articles) for this topic


Credit Rating Agencies - Sovereign Debt S&P, Moody's & Fitch (2012)

The Committee will consider how accountable the major credit rating agencies are. CRAs rate bonds - government or corporate IOUs - to assess the likelihood of default. The three leading agencies are Standard & Poor's (S&P), Moody's and Fitch.

24 April 2012 BBC Parliament.

- Moritz Kraemer, Sovereign Ratings Group, Standard & Poor's.

- David Riley, Sovereign and Supranational Ratings, Fitch Ratings.

- Alastair Wilson, Chief Credit Officer, Moody's.

51 Videos (and 371 Articles) for this topic

Credit Cards & Personal Loans : Do Bounced Checks Affect Credit Rating?

Bounced checks affect a person's credit rating by keeping local banks from lending money to the individual. Bounced checks may also lead to the debt being sent to a collection agency which will negatively affect credit scores. Avoid years of higher interest rates by not bouncing checks with advice from a financial adviser in this free video on money management and credit scores.

Expert: Matthew McKillen


Bio: Matthew McKillen has more than 21 years of industry...

49 Videos (and 346 Articles) for this topic



If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.

Here is what to do..AND WHAT NOT TO DO!

29 Videos (and 230 Articles) for this topic

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Louise Hulland, Watchdog (BBC1) Credit Agencies

Louise Hulland, MOREON MEDIA's very own watchdog, investigates the impact of Credit Reference Agencies on British people.

39 Videos (and 247 Articles) for this topic


How do conventional mortgage rates work? Getting Lowest Rate - Home Buyers 2017

Understand how conventional mortgage rates work and how they are determined. Conventional loans can have the lowest rates out there if you have the best credit, are putting down a big down payment and are buying an owner occupied property.

Conventional Mortgage Rates Factors:

-Credit Score

-Type Of Property (SFR, Condo, Townhouse or Multi Unit)

-Down Payment

-Escrow or Waiving Escrow

-Occupancy (Owner Occupied vs Investment Property)

Quick Tip:

30 days before applying for a mortgage pay down...

36 Videos (and 555 Articles) for this topic

Get Your Credit Check Report For FREE for 30 Days

Get your credit report and your credit score for free from one of the top three credit reference agencies UK based.

Now, you can get FREE Trials from all the three credit report agencies such as Experian, Equifax and CallCredit.

16 Videos (and 172 Articles) for this topic

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Credit Freeze vs Credit Lock

In this important video, Tara discusses Credit Freezes versus Credit Locks, and her recommendations for you and your clients after the recent Equifax data breach.

Also, for existing purchase clients, if they ask about this issue, refer them to their lender. Remember the lender may need to recheck credit one more time before closing - so they will want to be careful about doing anything that could cause a delay.

Additional reading:

Consumer Reports on Freeze vs...

17 Videos (and 68 Articles) for this topic

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Vancouver Credit Fix Equifax mistake credit report Rogers error

"My name is Janice and I became a member of Canada Credit Fix in May. While applying for a car loan I discovered that there was a collection from Rogers cellular on my credit report for $2200. I found this very surprising mostly because I have never had a cel phone with Rogers Wireless. I called the company to fix their error and found out that they had sold the collection to a 3rd party agency. I called Equifax and could not even get a real person on the phone to help me. Canada Credit...

18 Videos (and 79 Articles) for this topic


Target Data Breach Protection Tips: Order All 3 Credit Reports: Equifax, Experian & TransUnion

Availabe on Amazon

You have credit files with three credit reporting agencies: Equifax, Experian and TransUnion.

Because lenders and credit card companies are not required to report to each bureau, each report likely contains different information.

In order to get a complete picture of what's happened with your credit since the Target Data Breach, you need to order all three reports.

The free membership only provides access to the Experian report. If...

14 Videos (and 186 Articles) for this topic Apartment Commercial

The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies -- Equifax, Experian, and TransUnion -- to provide you with a free copy of your credit report, at your request, once every 12 months. The three companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free credit report. The Federal Trade Commission (FTC), the nation's consumer protection agency, wants you to know that, if you want to...

14 Videos (and 419 Articles) for this topic


Why is your ClearScore score low?

There are many different reasons why your score could be lower than expected. One reason could be that you’re comparing it to a credit score from a different credit reference agency which uses a different score range. Other factors could be little credit history, or only recent credit accounts.

If something seems not quite right, remember to check for mistakes on your report as they could explain why your score is lower than it should. However, if none of the above apply to you, remember...

13 Videos (and 300 Articles) for this topic

Debt Management Tips : How to Repair a Bad Credit History

Repairing bad credit starts by contacting the credit bureaus and having duplicate or old information removed from a credit report. Fix low credit scores and reports by working with creditors and credit agencies with advice from a certified public accountant and credit counselor in this free video on debt management.

Expert: Jerrie Guthrey

Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992.

Filmmaker: Jack Guthrey

13 Videos (and 481 Articles) for this topic


Get a Free Credit Report, Fix Your Bad Credit and Improve Your FICO Score Now is an online guide that shows you how to clean your credit history and improve your FICO score in proven, quick and easy steps. It shows you how to get a free credit report, how to dispute negative items with all 3 credit reporting agencies: Equifax, Experian and TransUnion. It is the fastest, best and cheapest solution to a bad credit report. Learn how to repair your credit now!

9 Videos (and 314 Articles) for this topic

Is it legal to credit report me as 30 days late before I am actually 30 days late?

A "30 day late" on your credit report should only pop up when you are actually 30 days late.

Not 25.

Not 29.

But 30.

If you are 29 days late and then the account is paid (money received on day 29) and the furnisher reports you as 30 days late, consider challenging that in a dispute to the credit reporting agencies.

This may get it fixed and if not it may give you the right to sue under the FCRA (Fair Credit Reporting...

9 Videos (and 108 Articles) for this topic


Children Identity Theft - May 18, 2015

Experts say that identity thefts see children as an easy target. Kids are targets because they are not trying to purchase a car or a house, applying for credit cards, and they become victims without even knowing for years.

Signs to look for with child identity theft:

denied gov't benefits

income tax statement

tax return statement

collection agencies

You can freeze your child's credit until they are 16 years old by:

Give 3 credit agencies SSN & birthdate

Info needed to create credit...

6 Videos (and 23 Articles) for this topic

Total Credit Recovery Credit Ltd. named the largest collection agency operating in Canada.


5 Videos (and 43 Articles) for this topic


Dothan Police Seeking Suspect Using Stolen Credit Card

On October 18, 2010 The Dothan Police Department received a report of stolen credit cards being used in Dothan area businesses. The victim told police a credit card had been stolen from her in Ozark, Alabama and while she had reported to their agency, she had been notified by the credit card company that all fraudulent uses had occurred in Dothan. Investigators have been working on the case for more than a month and have obtained video of the suspect using the card at Target and Burlington Coat...

5 Videos (and 63 Articles) for this topic

How to Get Business Funding with Bad Credit

Bad Credit Business Loans and Credit Lines You Can Get Now Even with Bad Credit.

During this webinar, you’ll discover …

• Funding options which don’t require good personal credit

• Sources of business funding which go beyond the traditional lender like a bank or the SBA

• Options for funding which are attainable even with bad personal credit

• How cash flow financing and business revenue lending can allow you to leverage good cash flow to your business

• How to tap into your...

3 Videos (and 212 Articles) for this topic


credit 3

Agencies do not attach a hard number of probability of default to each grade, preferring descriptive definitions such as: "the obligor's capacity to meet its financial commitment on the obligation is extremely strong," or "less vulnerable to non-payment than other speculative issues ..." (Standard and Poors' definition of an AAA-rated and a BB-rated bond respectively). However, some studies have estimated the average risk and reward of bonds by rating. One study by Moody's claimed that over a...

3 Videos (and 199 Articles) for this topic

What To Do If You Find Mistakes On Your Credit Report

If you're checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit reporting bureaus. By law, the credit reporting bureaus are required to address your dispute within 30 days. Sometimes the credit reporting agency can come to a quick resolution, but other...

3 Videos (and 208 Articles) for this topic


Repair Your Credit Files

Repair your UK credit files. Credit 4 All show you how you can remove poor credit information such as county court judgments, defaults and late payment history. Apply for non-status loans and mortgages. Apply for non-status prepaid cards and non-status Visa credit cards with credit limits up to £2,500. Find out how to create a New UK Credit file which reports to the 3 main credit reference agencies.

2 Videos (and 42 Articles) for this topic

Credit Report Security Freeze and Suppressing Your Consumer File Information

BEFORE disputing information on your credit reports with Equifax, Experian, and TransUnion, contact these 8 consumer reporting agencies and have them freeze/suppress their files on you so that the 3 credit bureaus have a hard time confirming or getting information about you.

AFTER receiving confirmation from the 8 agencies (OR AT LEAST THE FIRST 4 LISTED) that they have frozen their files on you, THEN start your dispute process with each of the 3 credit bureaus (Equifax, Experian, and...

2 Videos (and 176 Articles) for this topic


How to protect your credit report and your identity from fraud

When it comes to your credit report and preventing identity theft here are a few things to know.

A credit alert tells any agency that is looking to grant you credit that they must contact you to verify information on your credit report before processing the application for credit.

A credit freeze is for 5 years and could take a month or more before you are verified and this is used if you have been a victim of identity theft.

I recommend you get a copy of all three of your credit reports and...

1 Videos (and 225 Articles) for this topic

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Charged Off Delinquent Accounts

A financial expert explains the stages of a delinquent account and why you need to take action.

Delinquent accounts can end up in the hands of debt collection agencies if you don't act fast. You may be able to negotiate terms with the creditor and even get lower interest rates. As time goes on, you have less options and can end up taking a hit to your credit report and credit score.

If you are having a hard time with delinquent accounts or charged off accounts, consider using a non profit...

1 Videos (and 173 Articles) for this topic


Hounded by credit card debt collectors? Read this

MANILA, Philippines - If your credit card debt is piling up and you're having difficulty paying it, chances are you've had to deal with collection agents.

But before you start negotiating with a collection agent on a repayment scheme, here are some reminders from the Bangko Sentral ng Pilipinas.

The BSP said it has recently received complaints and inquiries from the public regarding credit card debt restructuring. This is why it issued an advisory on the the authority of external collection...

1 Videos (and 5 Articles) for this topic

DX TV | Credit scores well with investors | 15 Apr 2011

As regulators continue to focus on lending practices, we look at investor sentiment towards providers of credit related services such as pre-paid credit cards, ID protection and the credit reference agencies, which help lenders determine whether or not to issue loans. Companies include: CPPGroup Plc (LON:CPP), PNC Financial Services (NYSE:PNC), BBT Corporation (NYSE:BBT), Experian (LON:EXPN), Equifax Inc. (NYSE:EFX) and Fair Isaac Corporation (NYSE:FICO).

1 Videos (and 68 Articles) for this topic


Equifax Breach Threatens Undergrads

This summer, the information of more than 143 million Americans was compromised in a breach of the Equifax credit-reporting agency. The company has come under fire for its poor handling of the breach. Reporter Kathleen Welch took a closer look at how this breach might impact UVA students.

1 Videos (and 28 Articles) for this topic

Active Debt Recovery Australia

Active Debt Recovery Australia is a specialist national commercial credit control and debt collection agency focused on providing tailored specific debt management solutions for small businesses. We have extensive experience in helping small business owners recover their outstanding accounts. We allow business owners to focus on running their business rather than spending their valuable time, resources and energy collecting outstanding accounts.

1 Videos (and 14 Articles) for this topic


Foreclosure mitigation Winnipeg Credit Fix

We all know somebody who's been affected by foreclosure. Miss a payment on your mortgage loan, have an emergency, or go through a transitional period in your employment and you can end up on the path of foreclosure and lose your home. The only decisions left are, 'Do you stay or do you go?'.

Sheldon Wolf, President of Winnipeg Credit Fix is interviewed about Foreclosure Mitigation, which through Winnipeg Credit Fix credit repair and debt settlement agency, can help you keep your home. ...

1 Videos (and 1 Articles) for this topic


Credit Rating Agencies, Panel 1

Credit Rating Agencies, Panel 1 - House Oversight Committee - 2008-10-22 - Product 281924-1-DVD - House Committee on Government Reform and Oversight. Financial and credit industry executives testified about credit industry operations, regulatory procedures, and financial mismanagement that influenced credit market turmoil and led to global financial instability. They focused on the role of credit rating agencies, standards for issuing AAA ratings, and the levels of transparency in accounting...

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From: HouseResourceOrg

Related topics : rating credit agencies

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Best Credit Report Agency- Beat Other Credit Report Agencies Keeping track of your credit is important! Get smart about your credit report agencies! We make it easy to maintain a healthy relationship with your credit and creditors Make sure youre the only one appearing on your credit report- Protect your identity! Visit today for a free trial- and get smart with your credit report agency.

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From: leevida9f1

Related topics : credit reporting agencies free

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Credit Bureau Reports

Visit our site for more information on Credit Bureau Reports.Credit Reporting Agencies may just offer details from your credit data when the asked for associates with the extension of credit, collection of a personal debt, a tenancy applications, an application for employment or insurance, the issuance of unique licenses or potential monetary dealings that include you.

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From: Check Credit Scores

Related topics : credit agencies report / credit reporting bureau

Credit Rating Agencies and the Financial Crisis (Part 1 of 2)

Credit Rating Agencies and the Financial Crisis (Part 1 of 2) - Committee on Oversight and Government Reform - Tape Deck 01 - 2008-10-22 - The Committee held a hearing titled, "Credit Rating Agencies and the Financial Crisis" on Wednesday, October 22, 2008, in 2154 Rayburn House Office Building. The hearing examined the actions of the three largest credit rating agencies, Standard and Poor's, Moody's Corporation, and Fitch Ratings, leading up to the current financial crisis. Video provided by...

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From: HouseResourceOrg

Related topics : three credit rating agencies / moody's credit rating / build your credit rating

[credit reporting agencies] Avoiding Credit Card Fraud

Avoiding Credit Card Fraud

Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend,

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From: Jorge Salcedo

Related topics : report fraud credit card

BEDL, Sylhet

Barakatullah Electro Dynamics Limited (BEDL) 50MW Power Plant has been awarded AA2 (Double A Two) Credit Rating by the reputed rating agency, Credit Rating Agency of Bangladesh (CRAB) Ltd. This is the highest rating for a power plant of the country so far achieved.

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From: Tayef Ahmed

Related topics : rating credit agencies

Credit reference

A credit reference is information, the name of an individual, or the name of an organization that can provide details about an individual's past track record with credit. Credit rating agencies provide credit references for companies while credit bureaus provide credit references for individuals.

Other letters of credit reference might be written by banks, which would provide basic information about how long the applicant has held an account, what type of account it was, and whether or not...

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From: Audiopedia

Related topics : credit reference agencies / credit rating company / bank credit rating

Credit Reporting Agency Monopoly Holding Many Americans Hostage

Rodney Anderson, Author of Credit 911 joins Roland Martin for this special segment on credit. Anderson believes that the credit reporting agencies are holding Americans hostage.

Anderson also discusses issues with medical bills affecting American's credit ratings.

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From: Washington Watch

Related topics : american credit report / credit reporting agencies / rating credit agencies

Credit rating agencies

Credit rating agency Standard & Poor's affirmed on Friday the top-notch triple-A rating for German sovereign debt, saying Europe's top economy could withstand any shocks from the eurozone crisis.VIDEOGRAPHIC

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From: AFP news agency

Related topics : rating credit agencies / sovereign debt credit ratings

How Credit Reporting Agencies Work. Errors and Identity Theft. Part4

How Credit Reporting Agencies Work. Errors and Identity Theft. Part4

In 2004, the Public Interest Research Group (PIRG) studied nearly 200 credit reports and found that 79 percent of them contained mistakes, many of them serious . With over 4.5 billion pieces of data collected each month by credit reporting agencies, there's a lot of room for error

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From: Online Trading

Related topics : credit agencies report identity theft / credit reporting agencies

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