You would think they would know better.  They employ 168,500 people, have 1091 stores, eight distribution centers, and 10 manufacturing facilities, all in the South.  But Publix Stores is paying $6.8 million to settle a class action suit because when they hired, they neglected to use a separate piece of paper. They have 11,000 stores […]

Danger lurks in what has become America’s credit jungle.  While the danger is an issue for all, it can be a huge concern for employers and landlords.  Here’s why. More than a third of people with a credit file, 35 percent, are in collection, some 77 million people with an average collection debt of $5,178 […]

Average isn’t always average, is it?  If we look at the overall credit card debt without regard to income, education, and age, the average credit card balance is $3,600.  But that’s only per person for resident U.S. adults.  That includes people who don’t have a credit card and who have a Social Security Number reports […]

It’s called FICO 9.  That’s the descendant of FICOs 1 through 8, the credit scores spawned from the Fair Isaac Corporation, the credit-scoring company.  The FICO score, a number between 300 and 850 that many lenders use to judge the creditworthiness of prospective borrowers.  The higher the better for borrowers since a higher score can […]