Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you (”Firm Offers”).
You have the right to “Opt-Out”, which prevents Consumer Credit Reporting Companies from providing your […]

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 You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options –
- With a federal loan, your interest rate will be low (around 5%) and your payments will be deferred […]

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Nearly all of us use credit cards on a regular basis, and many of us could always use one more. Getting that best credit card, however, is not something that you just happen to come across, but you can get some real good deals, these days. So, before you sign-up on […]

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