Just as there are several companies and agencies capable of generating your credit report, there are many sources that offer credit scoring services. The September issue of Consumer Reports describes how The Consumer Reports Money Lab spent $130 to determine how the scores may vary, and the results proved the point that scores from different sources can seem like they belong to different people. See the details of their experiment and what it all means to you when you read more.
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Because 70 percent of you are dealing with student loans, a Motley Fool article called "Die, Student Loan, Die!" caught my eye. The article has some good tips on how to assess whether you should focus on putting more money toward savings or more toward student loans. Here's what they say you should consider when deciding whether or not to pay off student loans early.
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The recently passed housing bill is chock full of provisions aside from helping those facing foreclosure, from giving the IRS access to Americans' credit card purchases to assisting first-time homebuyers. The legislation is first and foremost considered a bailout bill, but the clause about first-time buyers certainly caught my attention and that of the National Association of Home Builders — they believe it will get buyers back into the housing market.
The government is offering a tax-credit up to $7,500 to qualified first time buyers purchasing homes on or after April 9, 2008, and before July 1, 2009.
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Sixty percent of you admitted that you have current store-specific credit cards in your wallets, and most acknowledged initially signing up for the introductory discount. Deals can be difficult to pass up, but it's crucial to consider the elements of a store card before you agree to one in your name.
Besides the bait of receiving a discount off your initial purchase and other card-holder benefits along the way, store credit cards work just like any other credit card.
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More than half of you are still building up savings for a rainy day or haven't been able to save anything just yet. In order to be sure you're on track or to set a goal in the first place, you need to determine how much you'll need if emergency strikes. The biggest case for an emergency fund is job loss — if you lose your job or temporarily lose your ability to work then you'll need to rely on the money you've saved to get by.
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