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Read NGPF's school-by-school analysis of financial education in America today
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Advocacy
Behavioral Economics
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Budgeting
Buying a Car
Career
Checking
Consumer Skills
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Cryptocurrencies
Current Events
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Economics
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Edpuzzle
ELL Resources
FinCap Friday
Gambling and Sports Betting
Insurance
Interactive
Investing
Math
Paying for College
Philanthropy
Podcasts
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Professional Development
Question of the Day
Savings
So Expensive Series
Taxes
Teacher Talk
Good Reuters article (link no longer active) for your credit report/credit score unit describes how more companies are providing consumers with free access to their credit scores on their monthly statements. For some time, consumers have had free access to their credit reports from each of the three reporting agencies (TransUnion, Equifax and Experian) through annualcreditreport.com. While helpful to consumers, ultimately lenders were making their decisions based on credit scores (of which there are dozens with FICO being the most prevalent). Until recently, consumers had to pay to see their credit scores (although they would receive their scores if they were turned down for credit).
However, there is an increase towards transparency and greater access to your scores:
While consumers could get their credit reports for years at no charge, their scores were not available, or they had to pay for them. In the past year, however, more than 60 million Americans suddenly were able to get either their FICO score, provided by the Fair Isaac Corp, or their VantageScore, from a system developed by TransUnion Corp (IPO-TRUN.N).
Why is this so important?
“The anecdotal evidence we’re seeing from both lenders and consumers indicates people who know their FICO Scores tend to develop healthier credit habits than people who don’t know their scores,” says FICO spokesman Jeff Scott.
Makes sense, right? By getting that monthly feedback and seeing how your actions can help your score (e.g., by paying bills on time or reducing your utilization) or hurt it (e.g., missing a payment), you are likely to be more responsible.
Question of the Day: What is The Average Credit Card Balance for American Consumers?
Question of the Day: What Percentage of Mortgage Borrowers Don’t Shop Around?
Interactive: Test Your Credit Score Knowledge
Question of the Day: Can you name ONE of the ways that consumers, under age 25, establish credit?
4 Infographics to Start the School Year
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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