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Credit Reports In Australia
Identity theft?

How to avoid fraud / theft and how to obtain a credit report in Australia

I know not know about Australia, but I found a page here about identity theft from this guy that it was through his website and has had several best answers! I have a negative element deleted from my credit report to do what he suggested in an argument, and it worked!

(Dpa-AFX UK Focus) 06/07/2010 01:42 Taiwan Stocks – Factors to watch – 7 June TAIPEI, 7 June (Reuters) – Here are news, media reports and events that may affect the Taiwan stock market.

Free Credit Reports Texas
I am from Texas and I need a free credit report. Where can I get one?

I want a free, if I register a trial, to thats okay as long as the report is correct!

I'm not entirely convinced about this annualcreditreport.com I had a report on them a few months ago and some parts of it took a bit of important information on inaccurate and not in some. I have tried to compare a few others and the best was nationalcreditreport.com. Report It was very extensive and accurate, and it went into great detail on my credit card and contain a few things that other sites miss. I had to register to court to their free, but it was worth it for one to report very accurate and informative. There is a positive evaluation of them is on the link below, which is worth it.

Across the U.S. News News from every state from every state

Credit Reports Keeper
xpert credit credit score vs FICO Score?

What is the difference between these scores, when I check my fico.com they say, my FICO Score Report based on my Equifax Credit is 613th Because of the higher price of my Fico than I can afford it, I have decided to shop and take my credit card was keeper.com all three of my reports but they do not use credit xpert Fico. xpert says my credit scores are Equifax, Experian 667 615 and 665 Trans Union. Now the ratings are very close to my FICO scores or are they different? If they are different, on average, someone has (rule of thumb) know if there are higher or lower then my Fico credit scores xpert. I am wasting time and money on credit scores xpert?

I like to use your FICO creditkeeper.com by the way I understand it's always a witch of the guests in the middle. So, be if you have a 620 612 645 620 Your Fico stood That is also what score they use, if you apply for a mortgage.

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Your National Credit Reports Daily

How Does Credit affected?

One of her friends, Cindy, Joanne invites you to become a party, where "There is a lot of nice men." Excited, that life could be interesting, too, here are Joanne's hopes dashed, as she stands in front of her closet. You do not have a new outfit in five Years, bought, and money is tighter than last year jeans. She goes shopping clothes on today's clothing trends, where she has shopped for years. You choose three outfits, but has no cash and no credit card since the divorce. Confident that it applies to the storage of credit card, but is surprised when she is asked.

Listing off the credit cards she had with her ex seems only wore the clerk. Joanne has no credit in their own name.

Everyone Has a Credit History / Rating
Yes, everyone has one of these, even if you never had a credit card or a loan. Your credit history is made in reports compiled by credit bureaus and provided to lenders, landlords and utility companies at their request.

When you apply for a credit card, mortgage, loan or other, the fine print found on the application of the lender's permission, your credit history to review. The lender usually asks a credit report from one of the "Big Three" credit bureaus. In theory, the offices, only the raw data of your credit history and you do not arrange any type of "credit rating." In reality, however, credit companies have a credit rating in the form of a credit score. The lender looks of your credit card Score, and determines if the credit grant you that you request. Of course, lenders also look at all your outstanding debt, your minimum monthly payments to see your credit limit, how far you could go into debt if the maximum number of existing accounts. Especially when they are with your record of failures, paid accounts unsatisfying, and everything suggests

Good Credit is Sexy 6 http://www.citicredit.asia how much of a credit risk you might be so, all of which are used to calculate your credit score.

Like Joanne, you may be surprised that part of what figures to know your credit rating is a lack of credit history. If you have no credit history, you have no track record of the payment and satisfaction is very low. Believe it or not, you're a bit like a credit risk.

Big Three filing cabinets, the credit bureaus
Most people think that credit bureaus Branches of government. In fact, credit bureaus are for-profit entities to provide a service: storage and maintenance of credit records. The three major credit bureaus or Credit Reporting Agencies (CRAs) are:
1st Experian (formally TRW);
2nd Equifax and
3rd Trans Union.

There also are local Credit bureaus and reporting agencies, even though their databases are not as extensive as that of the "Big Three". The local offices are worth noting, however, because they is of some who can assess your creditworthiness.

An example of a local agency is a Residential Mortgage Credit
Reporting (RMCR) found that an Office offers merged credit report to. In addition, all databases of the "Big Three" you send your dispute to the so-called "third parties" known to determine their validity. More about 25th in Chapter

To report information to credit bureaus, creditors must fill out an application and a fee charged for each office, which they want to belong to. Membership is voluntary. No creditor has to report anything to any office. The more "economical" Creditors can afford the time, effort and money to a credit bureau report. Given the fact that each office has its own, private database and because the credit bureaus typically do not exist out information and to each other here, you can even have up to three different credit history.

Thus, the the credit bureaus for their services subscribed to? Banking, finance companies, department stores, tax authorities, landlords and other "lender" all the credit rating agencies to subscribe. If a creditor is a CRA subscribed services, the creditor is allowed to report information about your account activity.

This information is stored by the rating agency in a national database and contains the following:
1st Your payment history;
Second, where you and your work employment history;
3rd Your age;
4th Whether or not you have been divorced;
5th Your address history, and
6th In some cases, your salary expectations.

Agencies in public records for
1st Bankruptcy information from the Federal Government and
2nd Judgement and tax lien information from courts (district, Circle, Right, municipal, superior, judge, probate and state), town clerk and register of deeds.

How is the current public records information? Experian's website:
The timeliness of the data collected from court buildings depends on the size and / or location of each court. Data from courthouses serving large urban areas is frequently updated. In most cases, bankruptcies are collected on a daily basis. Almost all other data collected courthouse monthly or weekly, with some information (mostly from court buildings, the less populated areas) collected quarterly.

Experian also found that as soon as it receives information, the information in the database is taken within 24 hours. Records of tax liens, judgments and bankruptcies nationwide are available.

Market factors to observe Indonesia – - 8 June Source: Reuters (Adds press digest) Jakarta, 8 June (Reuters) – Following is a list of events in Indonesia as well as news stories and press reports which may influence financial markets. (Reuters welcomes …

Better Credit Reports Consulting
What is the fastest way to increase visitors to credit report.?

All the secrets of the credit, people do not want you to know that? Any good Books on this subject? Any good websites to consult?

The FICO (credit score) formula is no secret and there is no need for an expert rent or buy an expensive e-book to discover how to maintain the credit scores. There are five areas, the guests go to yours, and they are weighted differently – some areas are more important than others and have a greater effect on the injury or to improve your FICO score: 1 Payment History = 35% 2 Liabilities = 30% 3 Length of Credit History = 15% 4 New Credit = 10% 5 Types of Credit Used = 10% So, are the 10 best things you can do to raise credit scores for: The maintenance of a payment protocol 1 CLEAN Pay on time. With 35% payment history is the biggest area of concern for the lender. The only thing your Guests will be more damage than late payment is total non-payment. 2nd Did I mention pay on time? AMOUNT OWED – not too much (but not too little) 3 Ideally, you keep your debt to credit ratio to 30% or less. This means only 30% of available credit per card.For example, if you have a card with a credit limit of $ 1,000 to keep the balance at $ 300 or less. 4th This is true per individual card but also for your debt to credit ratio whole. This means you need to pay off debts – not only in order to move debt. This is an aspect frequently misunderstood how to increase credit scores. Money, by save the 0% APR balance transfer dance, but you will not Improve Your FICO Score. Length of Credit History 5th A longer average Pension account will boost your score. This means that the opening of new accounts, you can lower your score because a new account to reduce the average age. 6th Item 5 above has a rider – if you have bad credit you need to re-establish your credit and build you your loan. That is, a hit in the short term by applying for new credit as much as you can in the long term improve your score is 7 DON'Ts. NEW CREDIT DOs and. Not always apply to new loans. If you are at the malls for credit, try to force the applications in a short time frame. FICO scores between a search for a loan and a search for many new credit lines, are distinctive in part by the length of time over which inquiries. If you are just starting out building your credit, a number of questions, the history lower your score more than someone with a longer one. 8th Thurs request a copy of yor credit report regularly. Request a copy of your own credit report is not damaged Your credit score. This is an Internet myth. Requesting your own credit report or credit score from an authorized provider has not set alarm bells ringing the way that multiple requests sometimes. Types of credit used 9th Mix it up a combination of revolving credit facility such as credit cards and installment loans like a car is ideal. 10th Avoid store cards such as Target, Home Depot and so on. These are regarded as lines of credit on revolving credit facility, in contrast like normal credit cards. Store cards are not much Respect of the Credit scorers given. In the long term, the convenience or not make up for in-store discounts will be denied a VISA card or a mortgage rate crisis later down the track. Would you still stand a reliable e-book on the "credit scores are referred to the Web site and download the wonderful e-Book-101 Powerful Tips for Legally Improving Your Credit Score for free! (Do not worry – they ask for your e-mail – you do not even need a password.)

BEN column – Courtney Ayres mobilized an army to fight against cancer, thanks Linda Quay; Ten-Hut! Nicholas Mihalecz … Good morning! If you like it by Monday, you will also like Tuesday.

Credit Reports Texas Free

Houston Free Credit Report – Houston Texas Credit Report

Click Here to Get Your Houston Free Credit Report Now!

Get a Houston Free Credit Report today. If you are a resident of Houston, you owe it to yourself to sign up for a free credit report. A Houston Credit Report will help you learn about your credit score and other important financial information – a free Houston Credit Report will also protect you from identity theft!

Houston Residents – Click Here & Sign Up to Receive Your Free Credit Report

A credit report is a record of an individual’s or company’s past borrowing and repaying, including information about late payments and bankruptcy. In the U.S., when a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files. That’s why it’s very important for all Americans to know and understand their credit score. This information is used by lenders such as credit card companies to determine an individual’s credit worthiness; that is, determining an individual’s willingness to repay a loan.

These factors help lenders determine whether to extend credit, and on what terms. With the adoption of risk-based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the annual percentage rate (APR), grace period and other contractual obligations of the credit card or loan. Don’t wait – click on the link above to get your Houston Free Credit Report now!

Robert Peston
Another £13bn down: Will BP be forced out of US?

Credit Reports Rental Applications
Potential tenants have bad credit or. low income. How can I formally reject his application?

His credit report shows that he recently purchased a very expensive car. His car + future rent payments would equal 60% of his income, and I think he will not be able to, make payments to. I said he does not, of all income qualifications. Basically I just want to reject his request in writing and must help to formulate laws of my refusal, without breaking all tenant / landlord. Please help!

Here is a link with a rejection letter (it's at the bottom): http://www.totalrealestatesolutions.com/realestateforms/html/RejApp.html

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Free Online Credit Reports Australia

Which Photos Sell Best Online

Here at "Turn your photos into cash", we are often asked for tips on which photos best online as well as references from successful sale of our customers. Now we have no problem in providing you with great ideas in addition to the free report and the actual book itself, all together for you to start making money immediately from the sale, your digital photos online.

Unfortunately, our most successful customers are not so keen on sharing their own success stories, as they obviously don 't want their personal money making ideas to share with someone who can actually steal their Formula for success. Once a customer of us is willing to share even though sale photo secrets, it will be here for you all to be written share.

The main objective to photos online sale is elected, the right object, of which there are many. In general, you will make money by photographing anything business related, people in action, Children, all the technical gadgets and exotic places and wildlife shots. There are not even issues are discovered, the potential gold mines, but if you are currently using the above List, you will soon begin to make money to start BFM selling your digital photos.

Now I was recently shown a few photos above by Max Gosling in Australia, sent, who is actually in the eighties, so all credit to him and thank you for allowing me the use of these excellent photos, which could in my mind a possible GoldMine, as far as photographs are for sale online, is affected. The Sturt Pea Bush "is a protected plant by the Australian Government law and must not in any Way to be disturbed, and has also secured an Aboriginal history to it and they call it the Blood Flower.

Now I have already mentioned as a nature Object of interest, but these photos portray something that you can see the 't be anywhere else in the world, and even have a story of interest attached. The items to win cash photos can explain 't be better than what we are seeing in these photos, you look very close and I bet you find a potential Gold mine nearby.
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Free Credit Reports In Australia

Bad Credit FAQ

auto refinance?
I financed a car at 19.95% because of bad credit. About 5 months subsequently, I recieved an offer to refinance with Capital One at 16.95%, so I did. I purely recieved another offer to refinance again with Household Auto Financing at 12.95%. Should I refinance again? Will this be hurting my credit?

Bad credit?
Does anyone know how i can get a credit card or personal loan contained by Australia with doomed to failure credit. I would like to support that the reason why i enjoy bad credit within the first place is because of an abusive relationship i be in 5 years ago – i run away from my partner and didn’t know at the time that he had stolen my wallet and ID’s and him and his next girlfriend hooked up mobile phones under my cross and put me in resembling $3,000 debt. I found out a year ago when i applyed for a credit card and it was decline that there where on earth defaults on my term from them. I have salaried the defaults sour, but am having a intricate time trying to get credit in a minute – they come off my database end of this year – but i really inevitability some money now as i am contained by the process of trying to find a house for me and my son. Any advise would be adjectives.

Bad Credit?
I have Realy bad credit and obligation a bank account for my direct debit is there any bank that will consent to me open just a straightforward account i have tried two bank and they both said NO because of my BAD credit and ccj’s any advise welcome.

Bad Credit !!?
I’m seeking for some suggestion on how to re-build my bad credit. Does someone know of a loco place or website within Santa Rosa that can be useful?.

Bad Credit and entail a $2,000 personal loan?? Help?
I am a student working part-time and I own a serious family emergency and obligation $2,000 fast. I enjoy applied online but have be denied because of my bad credit. Is near any thing I could do?

Bad Credit and im trying to find a mortgage?
well here is the thing. I own bad credit in the severely low 500’s and my wife as well. We have have a chapter 7 bankruptcy that was discharged but as ably still have negative info on our credit that have been on there since. My wife and I obligation to find a mortgage ASAP as we need a home for our children. We both have excellent career but were immature near our credit when younger. My question is where may i attain a mortgage for roughly speaking 200k with only 10k down?If this would be impressively hard to do does anyone know a way to angle credit scores VERY QUICKLY? I would need im sure to be within the upper 500’s to get credit easier. I have tried secured credit cards. But they solitary report to credit agencies when they feel like it, or when you miss payments? because consequently its something that they do for them as a scare tactic and a paypack method to screw people. So i entail a valid way that this will work.thanks for your minister to

Bad Credit at the age of 16?
Okay, when I was 14-15My brothers used my social wellbeing number and I blv my name aswell to capture cable, cellphones and stuff. Since they had doomed to failure credit.And they did get those services near my personal stuff, and they never payed the bills, which is aprox 1,000 and more in debt.Does this be determined I now hold bad credit?I don’t want to show up to a mission interview and they probably checked my credit and they are going to see that “i’m”Not responsible.Im so depressed.Yes, I was aware, and I couldn’t do anything hindmost then I be young. & my mom have used my SSN as well, but I don’t want to report her, and besides she never have any money so she can’t even pay up.& I doubt any of my brothers can even money it up(They are 34 and the other one is 30)am I just competent to say, that someone might hold stolen my Identity? I don’t want my mom to go to Jail, I could attention less almost my brothers. Either way, I hold to many problems.

Bad credit auto loans?
I’m a student and kinda stuck in getting a auto loan. Basically, I need a sports car to get to work, to get a motor I need a auto loan, to get a auto loan I have need of a job (to show the proof of employment). So, how am I suppose to get a auto loan beside a bad credit, no co-signer and no employment? I would really appreciate any help!

Bad credit coupé loan?
I would like to hear from people who own gotten bad credit car loans and from where on earth. My fico is 597. Nost of the negatives on my credit report are more then 5 years prehistoric. I live in PA.

Bad credit credit card?
My credit rating is not soo good and i’v be turned down a few times when I applied for a credit card. Where can I find bad credit credit cards?

Bad credit due to an ex!?
about 4 years ago when I be with an ex boyfriend, (he have bad credit, i have good credit) I co signed for him to attain some rims and tires on his car, also I be the first on an apartment that he signed a contract with. Well, once our relationship started to decline apart he moved out of the apartment before the contract be up and didn’t pay the rest of the contract and stoped paying on his rims and tires… so immediately that I am married my husband and I are trying to buy a house but those two things are stopping me and I don’t have the money purely to pay for those… and I surface like I shouldn’t own to. Is there a agency to try to get those removed bad of my credit and help bump up my credit evaluation?

Bad credit equals wage more?
So I’m battling trying to seize a new vehicle because mine is going to die soon.. but I have no credit and can’t come across to gain any. That’s another story. ANYWAY, I got to thinking. Why is it that relations with bleak credit usually have to discharge more to get things? ie bigger nouns rates, down payments, etc. Wouldn’t you think if you have bad credit, it’s probably because you couldn’t afford things.. Why wouldn’t they product you pay LESS? Chances are, if you could wages only a small amount, you could in actual fact afford to pay for things and not skip out on them. So why would they expect you to wage more than someone with suitable credit (and money) who could actually afford the outrageous charges near no problem? I know, I know.. it’s like a reward type business. Just seems sympathetic of backwards to me.

Bad credit history?
i live in northern ireland a few years ago i get a contract phone and was told by the company i have run up a bill of lb300 while abroad which i hadnt cos i wasnt out of the country anyway i refused to retribution they cut me off presently ive bad credit history and cant even take a debit card! does anyone know of any way i can clear this so i dont enjoy bad credit history or is it going to be this passageway forever?? thanx in mortgage 4 any help given

Bad credit history?
I have get bad credit history from a credit card i have. I had a few behind payment but consequently payed it all bad in full. ive have a credit history report and it says it will be on defult for 6years but can i clear them, as i am hoping to rent a house and dont want doomed to failure credit to affect me.

Bad Credit ,Is a house possible by myself?
I Have bad credit due to self stupid when I was younger,kind about 40Kyear,can come up next to a down payment. I be left money from a relative that passed,but do not want to hold it all out and a short time ago buy a house due to taxes.( It’s not enough for a house within New York). I have no begin credit cards cause I froze them to wages ‘em all sour,which I have. My Credit rack up is probably in the upper 500’s and most my unenthusiastic connotations on my credit report will be coming off this year. Is it possible to bring back a house by myself?

Bad credit loan?
I recntly search the network for a “bad credit personal loan” I come across two companys that said they will lend me the cash. 1st Step Financial and Waltonsgroup.com.They offered me 10,000 at around 7% They both told me I can enjoy a co-signer or put abot 10% down by wiring the money. Has anyone deal with any of these companies and do they know if they’re legit?

Bad credit loan programs?
I need a program for someone near bad credit and no assets righteous work ethic and loan only hasta be in the region of 10 grand if anyone have used a program that could help that would be great credit rack up is 620 if that helps

Bad credit loans?
can anyone recommend a loan for no or bad credit, I dont want a debt consolidation service, they screwed me over. I dont own a home, and my sports car is paid bad and in someone else’s cross. A loan for no more than 5,000. Please help!

Bad credit loans?
I have awfully bad credit and do not want to nick a payday loan out does anyone know a web site that can relief me with a $3000.00 loan

Bad credit loans if its possible how and be?
they say you can get hold of a personal loan no matter what your credit is, if so later who can testfi and what company did they use because its all over the internet that you can I dont know anyone that have got a personal loan near bad credit prove me wrong let somebody know your story and were.

Bad credit loans.anyone deal beside this website since?
website is http://www.badcredit-loans.us/, have you ever gotten a loan from this website? They are asking for a sponsorship fee of $65 for a account of bad credit lenders. Just curious is this is legit or not?

Bad credit marry perfect credit?
I’m getting married next weekend. I own bad credit & my adjectives husband has great credit. We hold no joint accounts or debts. Every debt I hold is solely in my designation & every debt he has is within his name. Will my desperate credit affect his good credit. Will my creditors know how to go after him for my debts?

Bad credit motorcycle loans?
Where can I find a list of lenders that will pass bad credit motorcycle loans?My credit chalk up is around 580, if that helps.Thanks

Bad credit, no credit, no problem?
recently i see an append for a vehicle and with the include i see bad credit no credit no problem. to me this say they will get anyone into a vehicle regardless of credit history. is this true? or are near extenuating circumstances for this also? i am trying to help someone catch a car minus me as a co-signer. thanks for your input.

BAD CREDIT Personal Loans. PLEASE HELP!?
I have desperate credit due to a former “friend” that took advantage of me and next left town when the cards be maxed out. My lease just finished on my car and i obligation a loan. The car i found does not hold a clean title so i want to pocket a personal loan out to buy it. Even if i dont end up getting a coupé with a verbs title i need money down for a motor at a dealer. Does anyone know of a well brought-up website that gives personal loans out for someone next to bad credit? All i can find is payday loans or loans that require a co signer. Please bestow me any opinions or info. Thanks

Bad credit rating?
Hi,i know that i have a bad credit rating, behind time payments on credit cards and ive applied for lots of credit.But yesterday, i was told that because id made more than 3 behind time payments on credit cards (up to date with payments but some were freshly a little late) that i wont be able to attain credit from anyone at all because its ‘3 strikes and yur out’ ie, 3 late/missed payments and no1 will touch you. I have jus enter a debt management scheme to take-home pay off all my debts inwardly 3 years which is fantastic, BUT i was told that this 3 srikes and your out thing will be on my credit record for 6years and so no1 will give me any credit until after that.Is this true?? As i was hoping that maybes inside a couple of years my job situation will be better and i can clear my debt quicker, and start saving for a mortgage, but i dont want 2 hold to wait 6years from now.Can any one explain al this to me please, and also, is their any agency i can go about repairing my credit directory?.

Bad credit rating, but presently I hold a difficult pay, Where can I borrow from? (in uk)?
I ran up just about lb5000 credit card debt over 7 cards at uni while surviving on part time min wage job. I’ve now graduate and I’m earning lb27K, just started this week though. I really need to grasp a loan to consolidate this because at the moment I keep missing payments as it’s 7 different direct debit etc and the interest rate is killing me, it’s as dignified as 41.9% apr on 1 card and the others are in mid 30s immediately. I want to borrow lb5000 over 4 years and I won’t have trouble paying just about lb150 a month. Any ideas? Most loan companies won’t touch me because I’ve get bad credit and I applied for lots of loans already asking for 5k when I be only earn about 9 a year. Thanku And I know i’m an idiot for getting within debt in the first place, so please no answers to that effect!

Bad credit saloon loans surrounded by Chicago?
I have horrible credit, I had clinical depresion for nearly 2 year, I was in medication and now I am med free and have a fitting job, but I get compensated cash. I need to buy a sports car, but I have bad credit due to non money on several accounts. I am making arrangements to pay them off and hope to renovate my credit and my life once again. I need to catch a car for the winter. Any car dealerships within the chicagoland area that would give me a second money with my credit conditons. I can give around $1,000 downpayment. Please help me.

Bad credit sports car nouns?
can i still get saloon finance near a bad credit history. if so can anyone recommend a right plaice to go.

Bad Credit Unsecured Personal Loan?
Hi,Does any one know of a lender for people near bad credit.

More Bad Credit questions please visit : Credit12345.com

The Euro and Commodity Currencies Rally as ECB Guarantees, Chinese Data Quiet Crisis Concerns
Over the past six months the principal fundamental concern behind the bear market has evolved. What was originally a mere retracement on a overextended 2009 rally would evolve into fears over the health of the outperforming economies , then uncertainty surrounding sovereign credit risk with ballooning deficits and finally the specific concerns that the next financial crisis could spread from the …

Credit Reports Texas
Texas Civil Judgement – No Texas Reisdent. How can they collect it? This effect can my credit score?

I distributed screen saver with a toolbar and The Texas AG states that although there is no spyware or adware, because I do not so the end user opt-out "I broke Texas law. I do not live in Texas and I never knew that such a law. They have filed suit and, although I request is complied with all its saying that they collect money, some kind of. If I do not pay what can they do? If this card on my credit report? I understand if I lived in Texas, they could even attach a lien to property I, but I have not before, ever living in Texas or possession is a property. Is this something I should be concerned with or should I just go so through with him. (They say if I Payment send a financial affidavit, she cut a deal perhaps. But the affidavit ask for very personal information.)

Texas has no laws in force for wage garnishments, except in the case of delinquent child support that I know of. The lien part is true Home Owners Associations, because the mechanics and liens can be paid for non-performance instead, but it should not effect from state enterprises. You can get a Judgement against you. A ruling will negatively affect your credit report, but they can not collect if you choose to pay no money Disclaimer appeal. I am not Lawyer and the above suggestions are not considered legal.

Mitcham Industries reports fiscal 2011 first quarter results revenue increased 56% over the prior year diluted earnings per share of $ 0.24 read more