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Personal Finance 101 Presented by the Center for the Enhancement of Teaching & Learning
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Financial Calculators for Specific Needs Mortgage- http://www.bankrate.com/calculators/mortgages/mortgage- calculator.aspx Auto-http: //www.bankrate.com/calculators/auto/auto-loan- calculator.aspx Buy or Rent- http://www.bankrate.com/calculators/mortgages/rent-or-buy- home.aspx Retirement- http://www.bankrate.com/calculators/index-of- retirement-calculators.aspx College- http://www.bankrate.com/calculators/savings/saving-for- college.aspxhttp://www.bankrate.com/calculators/savings/saving-for- college.aspx Credit Cards -http://www.bankrate.com/calculators/credit- cards/debt-calculator.aspx Student Loans -http://www.bankrate.com/calculators/credit- cards/student-loan-debt-calculator.aspx
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Helpful Financial Websites Bankrate.com (rates, calculators, advice) Wallaby(credit card reward maximizer) FutureAdvisor (financial advice for the little guy) Earmark (program that vacation saves for you) Larky (searches hundreds for discount programs for you) Simplee (records, makes sense of your medical bills) Level (free monthly budgeter service) Quicken Loans (highest rated online mortgage service) Mint.com (interactive financial planner for every item)
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Checking Credit Reports If you find an error, contact the ‘big’ three nationwide consumer credit reporting companies for assistance: Equifax- www.equifax.com/CreditReportAssistance www.equifax.com/CreditReportAssistance Experian- www.experian.com/disputewww.experian.com/dispute TansUnion- www.transunion.com/disputewww.transunion.com/dispute
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How to Improve your Credit Score General Information- http://www.myfico.com/crediteducation/improveyourscore.aspx General tips that work for people- https://www.creditkarma.com/question/how-can-i-raise-my-crdit-score- 100-points-in-6-months Specific Steps to Take- http://money.msn.com/credit-rating/9-fast-fixes-for-your-credit- scores-liz-weston?wvsessionid=60e0f518e1e04530bf2000841f758089
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Credit Reports You are entitled to request one free credit report every year. http://www.annualcreditreport.com http://www.annualcreditreport.com 1-877-322-8228 Request by mail: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 (The request form can be downloaded from the Annual Credit Report website)
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myFICO.com- the credit score authority How to check your three big credit bureau scores (Experian, Equifax, Transunion- all three matter) How to fix errors How to receive credit score change alerts How to boost your scores How to understand your scores
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