68 customizable lessons, aligned with National Standards, exams and more.
Read NGPF's school-by-school analysis of financial education in America today
Activities
Advocacy
Behavioral Economics
Best Of
Budgeting
Buying a Car
Career
Checking
Consumer Skills
Credit
Cryptocurrencies
Current Events
Curriculum Announcements
Economics
Entrepreneurship
Edpuzzle
ELL Resources
FinCap Friday
Gambling and Sports Betting
Insurance
Interactive
Investing
Math
Paying for College
Philanthropy
Podcasts
Press Releases
Professional Development
Question of the Day
Savings
So Expensive Series
Taxes
Teacher Talk
I saw this paid ad during a Google Search this evening:
Hmmm…so what caught my eye? The “Purchase 3 Bureau Reports.” Many of you are probably wondering “Why purchase these reports when you can get credit reports from each of the three bureaus for FREE at annualcreditreport.com? ” and “Why would you want to buy them at the same time?” A best practice is to space out your FREE credit reports from the three credit bureaus every four months so you can be constantly monitoring them. To make matters even more confusing (or some might say misleading) the ad says in bold at the top “No Credit Card Needed” so why would I have to purchase something that is available for FREE elsewhere.
Click on “Purchase 3 Bureau Reports” and here’s what you get:
Ok, so they are kicking in 3 FICO Scores and that must be where the value is…except the small print says “Your lender or insurer may use a different FICO Score…” This fine print may be have been added recently since Equifax and TransUnion were fined by the CFPB to the tune of $23 million for misleading consumers about value of credit scores. Oh, and now credit card companies and even one of the credit bureaus are giving away credit scores for….FREE. I wonder how many people are hitting the ORDER NOW button and spending money on items that can be obtained for FREE.
__________
Want to teach your students to be more financially savvy? Check out the NGPF Case Study: What’s the Catch?
Ways To Make Investing Simpler
Having Fun With Investing Cartoons
Interactive: Test Your Credit Score Knowledge
What's New With Managing Credit (2021)
Best of 2020: Most Visited NGPF Unit Pages
Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.
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