Financial Resources
Credit Scores & Management
Direct Federal has searched the internet and found informative resources that address the questions and issues you may have in building, managing and protecting your finances.
American Association of Retired Persons
www.aarp.org/indexes/money.html
This site provides seniors with information on financial planning, using your home as equity and avoiding fraud.
Annual Credit Report
www.annualcreditreport.com/
Use this site to request a free credit report, once every 12 months, from each of the nationwide consumer credit reporting companies: Equifax (www.equifax.com/), Experian (www.experian.com/) and TransUnion (www.transunion.com/).
Bay House
www.bayhouse.com/
This site is full of information on credit scoring. It features email forums that let you post information, questions and personal diatribes on credit, real estate and financing.
Consumer’s Union
www.consumersunion.org/finance/debt1202.htm
Read the article, What the Banks Don’t Want You to Know: Banks Keeping You in the Dark About the Real Cost of Debt.
Credit Scoring
www.fairisaacs.com/
Fair Issacs Inc. is one of the largest and oldest creators of the consumer credit scoring models used by financial institution to assess loan applicants’ risk. This site offers very general information on credit scores.
Fair Credit Reporting Act (FCRA) and the Privacy of Your Credit Report
www.epic.org/privacy/fcra
This is an in-depth resource on the Fair Credit Reporting Act (FCRA), the first federal law to regulate the use of personal information by private businesses prepared by the Electronic Privacy Information.
Federal Trade Commission
www.ftc.gov/bcp/conline/edcams/credit/index.html
This site has information for you, whether you’re shopping for a mortgage or auto loan, checking the accuracy of your credit report, dealing with debt collectors or looking for ways to protect your personal financial information.
MasterCard
www.mastercard.com/securityandbasics/index.html
MasterCard is invested in helping cardholders nurture and protect their financial wellbeing. This web site offers you tips on budgeting, handling debt and financial management. It also provides suggestions on guarding the privacy and security of your personal account information and your financial transactions.
My Money.gov
www.mymoney.gov
Use this website if you're shopping for a mortgage or auto loan, researching ways to pay for a college education, checking credit card statements, putting money away for retirement, understanding a credit report or simply deciding whether to pay cash or charge a purchase.
