Background checks in South Florida made easy


Utilizing public record databases to find criminal, civil, or traffic violations in South Florida became a little easier Friday with the release of a semi-comprehensive list of online resources.

Locating and identifying a criminal history, civil litigation or traffic history is but a click away. You can also access resources in relation to inmates, those on probation, parole or community control, sex offenders or missing children, in addition to stolen property or vehicles.

Background checks

·          Florida Department of Law Enforcement – For a modest fee of $23.00, you can obtain an individual’s criminal history record in Florida.

·         Broward County court records – Search civil, criminal and traffic courts through the Clerk’s office.

·         Miami-Dade County court records – Search civil, criminal and traffic courts through the Clerk’s office.

·         Monroe County court records – Search civil, criminal and traffic courts through the Clerk’s office.

·         Palm Beach County court records – Search civil, criminal and traffic courts through the Clerk’s office.

Sex offenders

·         Florida Offender Alert System – Sign up to receive an email alert when a sex offender moves into your neighborhood.

·         Florida Sex Offender Registry – Locate registered sex offenders by name, city, address or zip code.

·         Sex offender screen names – Check a computer screen name or email address to determine whether it’s linked to a registered sex offender in Florida.

·         National and other state sex offender registries – Search the national database, or select a state to view a particular registry.

Jail and state prison inmates

·         Broward County Jail inmates – Search for inmates currently incarcerated in Broward County.

·         Miami-Dade County Jail inmates – Search for inmates currently incarcerated in Miami-Dade County.

·         Monroe County Jail inmates – Search for inmates currently incarcerated in Monroe County.

·         Palm Beach County Jail inmates – Search for inmates currently incarcerated in Palm Beach County as well as those released within the last 12 months.

·         Florida Department of Corrections – Search for inmates currently incarcerated or recently released, as well as those on probation, parole, community control or other form of non-custodial release.

Wanted and missing persons

·         Florida Missing Children Search – Search for a missing or endangered person directly at the state Missing Children Information Clearinghouse.

·         Missing Persons Search – Search for a missing person directly at the Florida Department of Law Enforcement.

·         National Center for Missing and Exploited Children – Search for several national resources for missing children.

·         Wanted Persons Search – Search for felony or misdemeanor warrant information as reported to the Florida Department of Law Enforcement.

·         Wireless Amber alerts – Sign up for free wireless Amber alerts directly to your cell phone.

Stolen property

·         Florida Crime Information Center – Search for information on whether a vehicle, vehicle parts, boats, license plates, decals, guns and other items were reported lost or stolen in Florida.

·         VINCheck – Search the National Insurance Crime Bureau database to see if a vehicle has been reported stolen.

Bill Lewis is principal of William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity.

For daily updates on The Credit Report with Bill Lewis, you can join Bill’s 16,550 plus fans on Facebook at:

Applebee’s hosts ‘Give Back Night’ for Tamarac – North Lauderdale Relay for Life


As part of their commitment to the community, Applebee’s is partnering with the Relay for Life of Tamarac – North Lauderdale and the American Cancer Society (ACS) to help raise funds and generate awareness for cancer research.

To help with the effort, Applebee’s, located at 6005 North University Drive, Tamarac, FL 33321 is hosting a special event Wednesday, January 9th during which 15% of its total sales from 5 p.m. will be donated to the Relay for Life of Tamarac – North Lauderdale.

Throughout the evening, guests are welcome to dine at Applebee’s to support a great cause.  Information about the Tamarac – North Lauderdale Relay for Life, the American Cancer Society and the important work of its foundations and community outreach will be available.

The January team meeting of the Relay for Life of Tamarac – North Lauderdale will also be held.  Be among the first to learn about their first team fundraising challenge.  The meetings are open to all team members and those who are interested in learning more about Relay for Life and the American Cancer Society.

“It’s amazing to think that millions of people will be diagnosed with cancer this year. Someone close to me may be one of them,” stated event chairwoman Julie Fishman.  “Our Relay for Life is not only a way to join in the fight back against cancer, but it is also a way to inspire hope by raising funds and awareness to help those facing the disease.”

The Relay for Life of Tamarac – North Lauderdale will be held on May 17th and 18th at Millennium Middle School in Tamarac.  For information on the event, you may visit them online, “Like” them on Facebook or follow them on Twitter.

Five Guys Burgers and Fries hosts ‘Give Back Night’ for Tamarac – North Lauderdale Relay for Life

ImageAs part of their commitment to the community, Five Guys Burgers and Fries is partnering with the Relay for Life of Tamarac – North Lauderdale and the American Cancer Society (ACS) to help raise funds and generate awareness for cancer research.

To help with the effort, Five Guys Burgers and Fries – located at 5701 North University Drive, Tamarac, FL 33321 – is hosting a special event Thursday night, January 10th, during which 15% of its total sales from 5-9 p.m. will be donated to the Relay for Life of Tamarac – North Lauderdale.

“We’re proud to support the American Cancer Society through the Relay for Life of Tamarac – North Lauderdale,” stated Ed Kelin, manager of Five Guys Burgers and Fries.  “This event is part of our commitment to the local communities where we reside.”

Beginning at 5 p.m. and throughout the evening, guests are welcome to dine at Five Guys Burgers and Fries to support a great cause.  Information about the Tamarac – North Lauderdale Relay for Life, the American Cancer Society and the important work of its foundations and community outreach will be available.

“It’s amazing to think that millions of people will be diagnosed with cancer this year. Someone close to you or me may be one of them,” stated event chairwoman Julie Fishman.  “Our Relay for Life is not only a way to join in the fight back against cancer, but it is also a way to inspire hope by raising funds and awareness to help those facing the disease.”

The Relay for Life of Tamarac – North Lauderdale will be held on May 17th and 18th at Millennium Middle School in Tamarac.  For information on the event, you may visit them online, “Like” them on Facebook or follow them on Twitter.

Mortgage foreclosure settlement reached


Ten major mortgage servicers including Bank of AmericaJP Morgan ChaseCitigroup and Wells Fargo entered into a $8.5 billion settlement Monday with federal regulators to settle claims related to mortgage foreclosure abuses.

Under the terms of the settlement with the Federal Reserve and the Office of the Comptroller of the Currency (OCC), $3.3 billion will be paid by banks directly to eligible mortgage borrowers.  Over $5.2 billion in other assistance – such as loan modifications and forgiveness of deficiency judgments – will also be available.

The agreement covers 3.8 million borrowers whose homes were in foreclosure in 2009 and 2010 with participating servicers.

The other lenders participating in the settlement are AuroraMetLife BankPNCSovereign BankSunTrust and U.S. Bank.

By agreeing to the settlement, participating lenders can cease the Independent Foreclosure Review process mandated under an enforcement action entered in April 2011.

Regulators had determined that the foreclosure review process – which involved a case-by-case review of millions of loan files – was proving too expensive, time consuming and ineffective.

“When we began the Independent Foreclosure Review, the OCC pledged to fix what was broken, identify who was harmed, and compensate them for that injury,” Chief Thomas Curry of the OCC stated in a written release.  “While today’s announcement represents a significant change in direction, it meets those original objectives by ensuring that consumers are the ones who will benefit, and that they will benefit more quickly and in a more direct manner.”

Monday’s deal follows a separate $26 billion mortgage settlement entered early last year in relation to the “robo-signing” scandal.

Only $1.5 billion of that settlement was in the form of direct cash relief to 750,000 borrowers.

Eligible borrowers under the latest settlement will receive compensation whether or not they filed a request for an independent foreclosure review and mortgage borrowers do not need to take further action to be eligible for compensation.

Borrowers are expected to be contacted by the end of March with specific payment details. They will not be required to execute a waiver of any legal claims that may exist against their servicer as a condition for receiving payment.

In addition, the servicers’ internal complaint process will remain available to borrowers.

“We have learned a great deal from the reviews that have been conducted to date. However, it has become clear that carrying the process through to its conclusion would divert money away from the impacted homeowners and also needlessly delay the dispensation of compensation to affected borrowers. Our new course of action will get more money to more people more quickly, and it will speed recovery in the nation’s housing markets,” Curry concluded.

Flashing in public no longer illegal in Florida


Starting Tuesday, flashing your headlights to alert oncoming traffic that police are lying in wait along the roadside will no longer be against the law in the state of Florida.

The provision legalizing such speed trap warnings is part of a statewide change in motor vehicle laws.

An attorney who represented cited motorists believes, though, that the revised traffic code contains loopholes that would still allow police to ticket flashing drivers.

“The action of the Legislature in our belief fell short,” Oviedo attorney J. Marcus Jones told the Associated Press.

Passed by the legislature last March, the new law amended one section of Florida’s existing traffic code but – according to Jones – police may still use other provisions to cite blinking motorists.

Those provisions include prohibitions against using high beams within 500 feet of an oncoming vehicle or within 300 feet of a vehicle ahead.  The newly stated exception for flashing headlights does not apply to those sections of the traffic code.

After being sued by motorist Erich Campbell, the Florida Highway Patrol ordered state troopers to stop issuing citations to flashing drivers.

Campbell, a student attending St. Petersburg College was cited for violating an existing law that says “flashing lights are prohibited on vehicles” except for turn signals.

The lawsuit alleges that the Florida Highway Patrol misinterpreted that particular provision of the state traffic code as it was meant only to ban motorists from having strobes lights that resemble those on official emergency vehicles.

To clear up any ambiguity, the new law specifically amends Florida’s traffic code to allow motorists to flash their headlights at an oncoming vehicle regardless of intent.

A Pinellas County judge dismissed Campbell’s $115 ticket, but his lawsuit against the FHP is facing dismissal in Tallahassee.

Representing Campbell before Circuit Court Judge Kevin Carroll, Jones has requested reconsideration because of the alleged inconsistencies remaining in Florida’s traffic code.

If successful in seeking reconsideration, Jones intends on seeking class-action status in an effort to obtain refunds for the estimated 2,400 drivers who were convicted and paid fines between 2005 and 2010 for flashing their high-beam lights.

Celebrity computer hacker sentenced to 10 years in prison



Christopher Chaney, the Florida man who hacked into the personal e-mail accounts of more than 50 people associated with the entertainment industry—including actors Scarlett Johansson, Mila Kunis, and Renee Olstead—was sentenced late Monday to 120 months in federal prison.

In custody since March when he pleaded guilty to nine felony counts, including wiretapping and unauthorized access to protected computers, Chaney, 36, of Jacksonville, was sentenced by U.S. District Court Judge S. James Otero.  He was also ordered to pay $66,179 in restitution and serve a three-year term of supervised release.

At Monday’s hearing, Judge Otero said Chaney’s conduct demonstrated a “callous disregard to the victims”—particularly, two non-celebrity victims, each of whom was stalked by Chaney for more than 10 years.

In his ruling, Judge Otero made a particular finding that extreme emotional distress can be as devastating as a physical injury in cyber related crimes.

“Illegal wiretapping gave Mr. Chaney access to every e-mail sent to more than four dozen victims and allowed him to view their most personal information,” said U.S. Attorney André Birotte, Jr. “Mr. Chaney is responsible for causing dozens of illegally obtained, private photographs to be posted on the Internet, where they were available for all to see. This case is a sobering reminder that cybercrime poses a very real threat to every American, and everyone should take steps to safeguard their identities and personal information on the Internet.”

The Assistant Director in Charge of the FBI’s Los Angeles Field Office commented: “For many victims, Mr. Chaney’s actions were tantamount to breaking and entering of their private homes by a thief in the night. Mr. Chaney methodically targeted his victims based on their celebrity without regard for the law or the impact the theft of personal and intimate details would have to their lives. This case illustrates the need for cyber security vigilance by computer users and, in addition, may serve as a deterrent for anyone contemplating similar intrusions.”

When Chaney initially plead guilty, he admitted that from at least November 2010 to October 2011, he hacked into the victims’ e-mail accounts by clicking on the “Forgot your password?” feature and then re-setting the victims’ passwords by correctly answering their security questions. By properly guessing the answers using publicly available information found on the Internet, Chaney gained exclusive control of the victims’ e-mail accounts, and was able to access their e-mail boxes. While in the accounts, Chaney also went through their contact lists to find addresses of potential new hacking targets.

In relation to the wiretapping charges, Chaney admitted that he altered e-mail account settings by inserting his own e-mail address into the forwarding feature so that he would receive, without the victims’ knowledge, a duplicate copy of all incoming e-mails. Most of the victims did not check their account settings, so even after they regained control of their e-mail accounts, Chaney’s e-mail address remained in their account settings.

Chaney admitted that as his hacking scheme became more extensive, he began using a proxy service called “Hide My IP” because he wanted to “cover his tracks” and not be discovered by law enforcement agents. Even after his home computers were seized, Chaney used another computer to hack into another victim’s e-mail account.

As a result of his hacking scheme, Chaney obtained private photographs and confidential documents, including business contracts, scripts, letters, driver’s license information, and social security information. On several occasions, Chaney sent e-mails from the hacked accounts, fraudulently posing as the victims requesting more private photographs and information.

Chaney e-mailed many of the stolen photographs to others, including another hacker and two gossip websites. As a result, some of the stolen photographs were posted on the Internet.

The investigation of Chaney and his hacking activities was conducted by the Federal Bureau of Investigation.

Mortgage foreclosure relief available for distressed homeowners


I recently reported on important relief available to homeowners facing foreclosure, paying more than their house is worth or those who have been foreclosed upon and lost their home.

As crucial deadlines are fast approaching, I am providing an updated summary of assistance available for struggling homeowners and other victims of unfair lending practices — and what you need to do to access it.

Remember, these programs matter but unless you take advantage of them, help is not available. A proactive approach is required.

Thousands of Floridians qualify for help. Below is a list of settlements and reviews that were created to help struggling borrowers. In some cases, application deadlines are coming up. If you miss the deadline, you will not qualify for relief.

Independent Foreclosure Review vs. National Mortgage Settlement:

If you believe your home mortgage foreclosure was conducted unfairly or mistakes were made, relief is available in several forms:

Independent Foreclosure Review

In April 2011, the Federal Reserve Board and the Office of the Comptroller of the Currency took action against over 20 large mortgage servicers. If your primary home was involved in a foreclosure between January 1, 2009 and December 31, 2010, you may qualify for a free independent foreclosure review.

Independent fact-checkers will determine whether you were harmed by mortgage foreclosure errors or other problems and should be paid to make up for that harm. Borrowers seeking a review must apply by December 31, 2012.

Help with the form and answers to questions about the process are available on the Independent Foreclosure Review website or by calling 888-952-9105.

The following mortgage servicers are participating in the Independent Foreclosure Review process:

“Homeowners who believe they were wrongfully injured by a foreclosure error in 2009 and 2010, should request a review,” stated Bryan Hubbard, an Office of the Comptroller of the Currency spokesman. “They give up no rights by requesting a review.”

In effort to assist with the application process, the Federal Reserve has put together a short “Independent Foreclosure Review PSA” video. The video provides program details in English and in Spanish.

For in-depth information on how to spread the word to your local area, please visit the community partner toolkit.

National Mortgage Settlement

Last February, the U.S. Department of Justice and 49 state attorneys general announced a $25 billion settlement with five major banks over so-called “robo-signing,” in which foreclosure documents were signed without properly verifying their accuracy.

While not a perfect deal, the settlement offers meaningful relief for some homeowners in the form of principal or interest reductions, in addition to other relief.

The National Mortgage Settlement administrator recently mailed Notice Letters and Claim Forms to those borrowers who lost their home due to foreclosure between January 1, 2008 and December 31, 2011 whose loans were serviced by one of the five servicers: Ally/GMACBank of AmericaCitiJPMorgan Chase, and Wells Fargo.

Impacted homeowners can now submit their claim form online. The deadline to file is January 18, 2013.

If you think you may be eligible, you can contact your bank directly for additional information:

Ally/GMAC: 800-766-4622

Bank of America: 877-488-7814 (Available M-F 7 a.m. – 9 p.m. and Saturdays 8 a.m. – 5 p.m. Central Time.)

Citi: 866-272-4749

JPMorgan Chase: 866-372-6901

Wells Fargo: 800-288-3212 (Available M-F 7 a.m. – 7 p.m. Central Time)

For more information, please visit the National Mortgage Settlement website or call them at 888-995-HOPE (4673).

To learn whether your loan is owned by either Fannie Mae or Freddie Mac, visit their website and complete the convenient online form for an instant determination.

“Whether it be through the Independent Foreclosure Review or the National Foreclosure Settlement, homeowners faced with a foreclosure should take advantage of this review,” stated Fort Lauderdale foreclosure defense attorney Carlos Reyes. “The process is free and totally without fee. Don’t let someone charge you for completing an application that you can complete yourself online in less than 30 minutes.”

Mike Crews to be new Secretary of the Florida Department of Corrections

Michael Crews - DOC

Governor Rick Scott will announce Monday a promotion from within at the Florida Department of Corrections.  Currently holding the number two spot as deputy secretary, Michael Crews will be elevated to the top position within the nation’s third largest prison system.

Crews will succeed Ken Tucker, whose retirement becomes official on December 28th.  Like his predecessor, Crews was a long-time official at the Florida Department of Law Enforcement before switching agencies and joining the Department of Corrections.

Crews will be Scott’s third prisons chief in less than two years.  Scott had previously selected Edwin Buss, a highly-regarded former Indiana corrections director.  Following several clashes with the governor’s office, he was forced out after just eight months as secretary.

In following Buss, Tucker was seen more or less as a caretaker as he long ago planned to retire in March 2013 by entering the DROP program, or the state’s deferred retirement option program.

Turnover at the Florida Department of Corrections is not unique.  The appointment of Crews is the sixth in six years for an agency that has been hit by scandal and controversy.  For example, former secretary James Crosby is serving eight years in federal prison following a 2007 plea agreement involving kickbacks and bribes from a prison contractor. 

Crews will take charge at a time when a state court dealt the agency a major setback by striking down the planned outsourcing of all inmate health care services for most of the state. The agency is appealing that decision.

With more than 100,000 inmates and an annual budget of more than $2 billion, Florida’s prison system is the nation’s third largest.

According to Melissa Sellers, a governor’s office spokeswoman, an official announcement of Crews’ promotion will be made early Monday.

Political talk and morning drive on AM 740 WSBR



William E. Lewis

As Christmas is approaching and Bill Lewis prepares to announce his New Years resolutions for 2013, interesting guests and timely topics will be on AM 740 WSBR and AM 1470 WWNN the weekend of December 17th and The Credit Report with Bill Lewis.

As a daily forum for business and financial news, politics, economic trends, and cutting edge issues, The Credit Report with Bill Lewis can be found on AM 740 WSBR in south Florida. Hosted by Bill Lewis, the show broadcasts live weekdays at 7am.

Originally launched on AM 1400 WFTL in 2004, as the “Credit Restoration Consultants Hour,” Bill Lewis provided self-help tips and advice regarding credit repair, finances, and related topics. Throughout the years, Bill’s show strayed from the original concept of providing financial awareness to his listeners.

In an effort to strengthen his listener base and to broaden the topics hosted, Bill launched The Credit Report with Bill Lewis upon moving to AM 1470 WWNN within the Beasley Broadcasting group.

Listeners were searching for help regarding a myriad of topics from credit repairextreme coupon shopping, and foreclosure matters, but welcomed the political format that Bill introduced locally to a south Florida audience.

Since the show’s inception, Bill Lewis has interviewed some of the country’s leading politicians, including: Rudy Giuliani, John McCain, Herman Cain, Chris Christie, Jon Huntsman, Allen West, Rick Scott, George LeMieux, Jeff Atwater, Pam Bondi, Marco Rubio, Sharon Day, Alex Sink, Adam Putnam, Charlie Crist, Bill McCollum, Jeff Kottkamp, Jennifer Carroll, Christine O’Donnell, among others.

In addition, The Credit Report with Bill Lewis has hosted a number of politicians as well as attorneys and financial experts in the south Florida area. Among the dozens that have appeared on the show are Carlos Reyes, Al Lamberti, Chip LaMarca, Adam Hasner, Ellyn Bogdanoff, Tom Rooney, Roger Stone, Bob Davids, Lori Parrish, Richard Denapoli, Rico Petrocelli, Jamie McDonnell, Jim Lewis, Tom Lauder, and John Contini.

The Credit Report with Bill Lewis airs live, Monday through Friday from 7am-8am Eastern Time with an encore presentation Saturday’s at 3pm on AM 740 WSBR. Streaming audio is available at and on air participation is welcome at (888) 721-0074.

If you miss the early broadcast, The Credit Report with Bill Lewis is still available weeknights at 9pm Eastern Time, Saturday’s at 6pm and Sunday’s at 8pm on AM 1470 WWNN by streaming audio at

Going head-to-head against Steve Kane and Jimmy Cefalo, Bill Lewis promises more “talk” and fewer commercials.

For daily updates on The Credit Report with Bill Lewis, you can join Bill’s 21,950 plus fans on Facebook at:

Mortgage delinquency rates to remain high while credit card rates to drop

Credit Cards and Mortgages
Credit Cards and Mortgages

On Wednesday, TransUnion released its annual forecast on two primary consumer credit variables – mortgage and credit card delinquency rates.

The national mortgage loan delinquency rate – or the ratio of borrowers that are 60 or more days past due – is projected to decline to 5.06 percent by the end of 2013 from an estimated 5.32 percent this year.  TransUnion forecasts mortgage delinquencies, a statistic generally considered to be a precursor to foreclosure, will decline in 34 states and the District of Columbia with only 13 states experiencing increases.

“As house prices and unemployment slowly improve, TransUnion’s forecast indicates that the national mortgage delinquency rate will gradually drop throughout 2013,” said Tim Martin, group vice president of U.S. housing in TransUnion’s financial services business unit, in a prepared release. “While we are encouraged by the direction of the forecast, we would have hoped for a projection that called for a more substantive drop in delinquencies.  If the pace of improvement does not pick up, it will take a very long time to get back to ‘normal’ delinquency rates.”

The mortgage delinquency rate peaked to 6.89 percent in Q4 2009 after rising 12 consecutive quarters from its 1.94 percent mark in Q4 2006. The 255 percent increase was unprecedented in American history.

Based upon the most recent data, the peak in mortgage delinquency rates has dropped 21 percent to 5.41 percent in Q3 2012.

Should TransUnion’s forecast hold true in 2013, the rate would only have dropped about 27 percent over a four year period.  This is still well above the “normal” delinquency rate range of 1.5 to 2 percent.

“The slow improvement pace we are experiencing right now seems to be less about new borrowers not being able to make their payments and more about existing borrowers who have been delinquent for a very long time,” stated Martin. “For example, our analysis shows the delinquency rate would fall to around 2.5 percent, or pretty much normal, if we simply took borrowers who haven’t made a mortgage payment in over a year out of the calculation.  By comparison, pre-recession, it was unusual for a borrower to go more than 6 months without either being able to cure their situation or go through the foreclosure process.”

Credit Cards

Credit card delinquency rates – or the ratio of bankcard borrowers that are 90 or more days delinquent on one or more of their credit cards – are expected to remain relatively low throughout 2013, increasing slightly from 0.83% in Q4 2012 to 0.87% in Q4 2013.

From 2000 until 2011, the credit card delinquency rate has averaged 1.24% during the fourth quarter.  In the 51 quarters since Q1 2000, the credit card delinquency rate has only been below the 0.90% threshold 10 times.

“The credit card delinquency rate continued to remain low in 2012 after reaching its lowest level since 1994 in the second quarter of 2011,” stated Steve Chaouki, group vice president in TransUnion’s financial services business unit, in a prepared release. “We expect much of the same in 2013 as consumers have come to rely on their credit cards for liquidity with continued high unemployment rates and a stagnant economy.

“It should be noted that we have seen credit card delinquencies drift somewhat higher in the last year.  Some of this can be attributed to the fact that credit card delinquencies were so low, that at some point they were bound to increase.  A more significant factor may be that credit card originations have been increasing in the last few years, and with that increase we have seen non-prime borrowers receive not only more credit cards, but also comprise a larger share of new credit cards.”

The latest credit card origination data from TransUnion points to an increase in non-prime credit card borrowers.  The share of non-prime, higher-risk originations – with a VantageScore® credit score lower than 700 – was 29.55 percent in Q2 2012. This was slightly higher than last year with 29.28 percent in Q2 2011and much higher than the 23.86 percent observed in Q2 2010.

Credit card debt per borrower – which has been relatively low since 2010 – is expected to increase from its current $4,996 level (as of Q3 2012) to $5,050 in Q4 2012 and $5,446 at the end of 2013.  This would be the highest credit card debt level since 2009. In Q1 2009, the average credit card debt per borrower peaked at $5,776.

In 2013, thirty-nine states and the District of Columbia are projected to see credit card delinquency increases in with only six states experiencing declines.  

States expected to experience the largest credit card delinquency increases next year include Ohio (11.84%), Missouri (8.33%) and North Dakota 7.50%). However, all of these states still remain below their historic averages. The largest declines in 2013 are expected in Rhode Island (-7.59%), Montana (-5.88%) and Georgia (-5.21%).

TransUnion’s forecasts are based on various economic assumptions, such as gross state product, consumer sentiment, unemployment rates and real estate values. The forecasts would change if there are unanticipated shocks to the global economy affecting recovery in the housing market, or if home prices unexpectedly continue to fall.

The most recent mortgage and credit card delinquency data for the nation can be found at