Author: Andrew N

Each reporting agency calculates your credit score using its own data; therefore, you can have three different credit scores, one from each of the three agencies. Your credit report includes…

There is an art to using coupons; if used properly, they can save you hundreds or even thousands of dollars. Coupons can be used not only on food items, but…

The Federal-State Unemployment Compensation Program (UC Program) originated in 1935 with the passing of the Social Security Act. The UC Program was designed to assist people who’ve been recently separated…

Credit card companies always use a credit report to determine creditworthiness. Not only do they go off of what a FICO score is—they also skim the report.

There is no statute of limitations for the collection of defaulted federal student loans. The U.S. Department of Education can legally pursue you for the outstanding balance on your student…

Dental insurance in most states may have a requirement for a predetermination or prior approval of benefits. This is a type of claim that is filed prior to performing any…

Term life insurance is a temporary form of life insurance coverage. It only pays a death benefit if the insured dies during a specified period of time — typically from…

Prepaid credit card are not really credit cards, but are used and accepted just like them. With this type of card, you determine the credit line by transferring the amount…