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Carnival of Personal Finance #53

by Flexo

Welcome to the anniversary edition of the Carnival of Personal Finance! What a year it has been. The first Carnival of Personal Finance was posted on June 20, 2005. To celebrate the Carnival’s first birthday, I asked participants to submit two articles: a recent favorite as usual and one of their favorites from the past ... Continue reading this article…

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You Get Three Free Annual Credit Reports

by Flexo

Since September 1, 2005, people in my area of the country have been entitled to three free credit reports each year, one from each credit reporting agency. Last year, I got my report a few days early, avoiding the “rush.” I had planned to space my requests evenly throughout the year, by getting one every ... Continue reading this article…

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Your Secret Bankruptcy Risk Score

by Flexo

Now that the methodology behind credit scores has been in the public for a long time, banks have found a new measurement which they’ve managed to keep somewhat private. While this calculation has been in use for twenty years, it has largely been kept off the public radar screen. Your bankruptcy risk score is used ... Continue reading this article…

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Suze Orman’s Tips For 2006, Part 4

by Flexo

This is the final part in a short series about Suze Orman’s advice for 2006, which is not about 2006, specifically. Watch Your Identity. There’s good advice here. Don’t pay for credit monitoring services because you can do it for free. Everyone in the United States is entitled to one free credit report from each ... Continue reading this article…

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Free Credit Reports Now Available!

by Flexo

The rest of the country was given this benefit at varying times earlier this year, but it finally has come to the east coast. I was going to wait until September 1, the official “release date,” but as MyMoneyBlog noted, the floodgates have opened a few days early. I’m talking of course about free credit ... Continue reading this article…

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New Jersey is a Red State

by Flexo

Do you live in a red state? I’m not talking politically. Experian has compiled data from credit reports to determine which U.S. states represent the highest average debt (not including mortgages) per person. There’s a nifty color-coded chart, as well. The red states have the highest average debt. The New England states rank high… but ... Continue reading this article…

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