What are credits cards?
Credit cards are small pieces of plastic given to consumers with which they can make purchases as part of a payment plan. With credit cards, the credit issuing company is extending the consumer a credit line that they can use each month to make purchases. Each month, the consumer must [...]

Before I learn about getting access to free credit scores and credit history, could you clarify what credit scores and credit histories are?
A credit history contains all the relevant information about you that pertain to credit worthiness. A credit and lender will request a copy of your credit file so that they can assess [...]

What is identity theft and how is it a growing problem?
In a case of identity theft, a criminal gathers personal information about an individual and assumes their identity, using that personal information to apply for loans, credit cards, and credit accounts. These identity theft criminals can also steal someone’s banking or password information to [...]

What is a car donation and what are some of the benefits of a car donation?
A car donation is great way of helping out a community or national charity whose charitable work efforts you support. When you donated a used car to a charity, you can enjoy that knowledge that you are supporting the [...]

I heard about a recent University of Missouri study about the prevalence of mistakes and errors in credit reports. Could you tell me more about that?
There was a recent study that was conducted by UMSL (University of Missouri at St. Louis) that looked into the prevalence of mistakes in credit files and credit reports. [...]

What are some good ways to find the best car insurance policies and rates?
The most important thing is to collect information about different companies, policies, their rates and services. A good starting point is to ask your friends and family about their car insurance policies, how much they are paying, and whether they are [...]

What is a credit report?
A credit report is a report of your credit file, which contains items that people such as credit bureaus, lenders, credit card companies, creditors, employers, and businesses can use to assess your credit worthiness. Credit reports contain four parts: personal identifying information, credit accounts, matters of public credit record, and [...]

What are some important things to keep in mind in preparation for avoiding car accidents
Car accidents are dangerous events in which you can harm yourself physically and financially. Even if you are luckily not physically hurt in a collision, you risk being at fault for others’ injuries, damages to their property, damaging your own [...]