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Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

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Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

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Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

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Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

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Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

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Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

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Personal budget - Download our personal budget software.

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Personal finance - Keep track of personal finances with our services and resources.

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Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.



Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

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Free Credit Offers: Get no obligation credit offers and receive tips and alerts to help manage your personal finances.

Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out or a debt consolidation loan.

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt help, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.


Credit Advice - FICO score ranges - How to know if you have a good or a bad credit rating: 580 or lower is considered a bad credit rating; 580 to 620 is bad-to-fair; 620 to 720 is OK-to-good; and 720 or higher is good-to-excellent. Your score determines how much you pay for credit in addition to whether or not you get approved. If; for example, you have bad credit and are stuck with a 22% APR credit card instead of 19%, those extra 3 percentage points would cost you an additional $334.39 in interest on a $5,000 balance with $200 monthly payments.

Tip of the Day: Negative entries on your credit report typically fall-off after 7 years. But let's say you are 5 years past due on a debt, and you get a call from a collection agency or otherwise decide to pay toward that debt, unless you pay it off in full or if you get the collector to report the partial payment as paid in full and remove the debt from your report, you'll restart the debt clock. In other words, instead of only have 2 more years to go until the debt naturally falls off your credit report, your payment will restart the clock to zero and you'll have yet another 7 years until the debt expires. If you have an old debt on your credit report that is about to naturally be removed due to the debt statute of limitations, either be prepared to quickly pay if off in full or simply ignore it.


Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report it to the federal government.



2nd Chance Bank Account


To Qualify:

*Your employer must offer direct deposit.

*You cannot have any existing checking or savings account with any bank.




How to spot counterfeit money: Closely examine money you receive and compare suspect bills with a genuine bill of the same denomination and series. Pay attention to the quality of printing and paper, and look for differences instead of similarities.


How to tell if money is counterfeit

Real Vs Counterfeit

Portrait: A genuine portrait appears lifelike and stands out distinctly from the background. The counterfeit portrait is usually lifeless and flat. Details merge into the background which is often too dark or mottled.


Federal Reserve and Treasury Seals: On a genuine bill, the saw-tooth points of the Federal Reserve and Treasury seals are clear, distinct, and sharp. The seals of counterfeit money may have uneven, blunt, or broken saw-tooth points.


Border: The fine lines in the border of genuine money are clear and unbroken. On counterfeit money, the lines in the outer margin and scrollwork may be blurred and indistinct.


Serial Numbers: Genuine serial numbers have a distinctive style and are evenly spaced. The serial numbers are printed in the same ink color as the Treasury Seal. On counterfeit money, the serial numbers may differ in color or shade of ink from the Treasury seal. The numbers may not be uniformly spaced or aligned.


Paper: Genuine currency paper has tiny red and blue fibers embedded throughout. Often counterfeiters try to simulate these fibers by printing tiny red and blue lines on their paper. But on counterfeit money the lines are printed on the surface, not embedded in the paper. It is illegal to reproduce the distinctive paper used in the manufacturing of United States currency.



Genuine paper currency is sometimes altered in an attempt to increase its face value. One common method is to glue numerals from higher denomination notes to the corners of lower denomination notes.

These bills are also considered counterfeit, and those who produce them are subject to the same penalties as other counterfeiters. If you suspect you are in possession of a raised note:

Compare the denomination numerals on each corner with the denomination written out at the bottom of the note (front and back) and through the Treasury seal.


Compare the suspect note to a genuine note of the same denomination and series year, paying particular attention to the portrait, vignette and denomination numerals.


Counterfeit Coins

Genuine coins are struck (stamped out) by special machinery. Most counterfeit coins are made by pouring liquid metal into molds or dies. This procedure often leaves die marks, such as cracks or pimples of metal on the counterfeit coin.

Today counterfeit coins are made primarily to simulate rare coins which are of value to collectors. Sometimes this is done by altering genuine coins to increase their numismatic value. The most common changes are the removal, addition, or alteration of the coin's date or mint marks.

If you suspect you are in possession of a counterfeit or altered coin, compare it with a genuine one of the same value.

If it is above five cents in value, it should have corrugated outer edges, referred to as "reeding." Reeding on genuine coins is even and distinct. The counterfeit coin's reeding may be uneven, crooked, or missing altogether.


To prevent counterfeit money, the U.S. Treasury creates new one, two, five, ten, twenty, fifty and 100 dollar bills.


Suspect you've been given fake money? Turn it over to your local police or Secret Service field office. Or get more information on how to spot counterfeit money.


Need more information? Read our financial and credit articles related to money or government, and join our online financial newsletter.

To help maintain and increase your motivation to save money, give yourself a reminder of what you've accomplished thus far, such as by carrying around a quarter for every $100 saved. That way, each time you feel the weight you are reminded of how much you've saved thus far and you get an extra boost of encouragement. Use our free monthly personal money management tools to control your household finances.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - © 1998 LendingTree, LLC. All Rights Reserved. 

What is LendingTree?
We're a free, no-obligation service that will empower you to take control of your financial life. We have the interactive tools, personalized advice and comprehensive resources you need to successfully manage your finances. If you're looking for a loan, we can connect you with multiple lenders who'll compete for your business and provide customized loan offers. If you need help with your finances, we have a powerful suite of tools and personalized advice to help you budget your money, get out of debt, and boost your savings. For all your financial decisions, LendingTree can help you every step of the way.

How does LendingTree make money?
Lenders pay us for the chance to compete for your business. You won't pay a cent for our services. Our resources—the tools, calculators, and guides found on this site—are all free and are designed to help you learn about the loan process and your finances. Of course, if you decide to take out a loan, you'll be responsible for paying any loan processing, closing costs or other fees to the lender you choose.

What can LendingTree do for me?
We can help you make smart financial decisions. From our financial calculators, to our interactive loan coach tools, to our monthly newsletters, to our lender ratings & reviews, we’re here to educate, inform, and answer your questions.

Home Loans Without Headaches

Whether you’re a first-time home buyer or a seasoned veteran, finding a great mortgage is often stressful and time-consuming. LendingTree helps streamline the process. Complete our online home loan request to compare offers from competing lenders. 

Here’s how it works:

* Complete our simple, secure online request
* Receive up to 4 offers from lenders
* Compare mortgage rates and terms for each loan
* Choose the loan that fits your needs

Start your free LendingTree mortgage loan request now and enjoy all the benefits of a home loan custom-fitted to your needs! You will have wide choice of home mortgage options, including fixed and variable rate home loans. You may qualify for an FHA loan, which can allow a low down payment and can lower your closing costs. You must meet FHA eligibility requirements to qualify.

Choosing the right mortgage loan for your financial situation is a big decision. LendingTree lets you compare home mortgage options from multiple lenders, allowing you to choose between fixed rate loans and adjustable rate mortgages (variable rate loans), both for 15 or 30 year terms. You can also compare mortgage interest rates, points and other loan options to find the best mortgage for your financial needs.

If you need more information before you start, check out our expert home loan tips or try a mortgage calculator. Explore the full range of home loan options available to you at no obligation.

Get Fast Cash with a Personal Loan
If you don’t own a home and need quick access to cash, you might consider a personal loan or line of credit. Personal loans frequently have a fixed rate and term, and can be used for just about any purpose:

* Debt consolidation
* Emergency needs
* Medical bills

Since personal loans are not secured by assets like a home or other property, interest rates tend to be higher than those of a typical home equity or mortgage refinance loan. Be sure you fully understand personal loans before obtaining one. 

Need a loan? We're committed to simplifying the loan process and getting you competitive loan offers. Just submit a single loan request and we'll put you in touch with multiple competing lenders.


Beware Phishing, Vishing, SMiShing and Spear Phishing scams
Victim of a Counterfeit or Fake Money Order? Learn how to spot fake money orders, report the scam, and what you must do if you have cashed fake money orders.
Learn how the credit card shaving scam works, and how to report the scam.
Get out of Credit Card Interest Reduction Scams
Bright Sky and Round Sky customer complaint about advance fee scam.
Signs of Debt Relief Scams to Avoid being a Victim of Fraud
Investing for retirement: Credit Federal defines Treasury Bills, Treasury Notes, Treasury Bonds, Treasury Inflation-Protected Securities (TIPS), I Bond and EE Bond.
Treasury Secretary John Snow delivers economy speech.
Treasury Secretary Snow to Release DVD on Identity Theft to Help Better Protect Consumers from Financial Fraud.
Victim of a Counterfeit or Fake Money Order? Learn how to spot fake money orders, report the scam, and what you must do if you have cashed fake money orders.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $5 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $10 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $20 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $50 dollar bill.
View new money images of the $5, $10, $20 and $50 dollar bills. The new money is to help protect Americans from counterfeit money scams.
Illustrations of new money bills, including the one, two, five, ten, twenty, fifty and 100 dollar bills designed to thwart fraudulent counterfeiting. Don't be a fake money victim.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - © Copyright 2010 Best Savings Account

How to choose the best savings account for you: Everyone understands that a 2.50% interest rate is better than a 1.50% interest rate. However, choosing the best savings account for you involves much more than just finding the best rate, you have to be exceptionally careful before investing in any sort of savings account. Listed below is what will help you find the best savings account so that you can maximize your return and protect your principal.

You have the option of choosing a local brick and mortar bank in your community, or you can choose an online bank for your financial needs. Many online institutions are going to have offers that involve the best savings account or best checking account benefits and rewards. The choice of which bank is entirely in your hands.

Compare the Savings Account interest rates at several banks before you make your final decision. Find out about any early withdrawal penalties, and ask if they limit you to a certain number of withdrawals in any pre-set tie period. You also need to know if there are any minimum balance amounts concerning any type of account that you may be interested in signing up for.

When you are searching for a bank that offers the best savings account many people look for the big names such as HSBC, Chase or BB& T. There are some smaller institutions that are stepping up to the plate as well, so you should not overlook them just because they are less well known.

The best savings account is designed to make your financial life safer, easier and more profitable. Make sure that the bank is covered by FDIC insurance at the onset. Ask if you can convert your savings over to CDs at your discretion. Inquire about the possibility of using your savings account to pay bills. Make sure that the hours of operation of the bank are convenient for you and be sure to find out about any phone or online support options that they offer.

Find out about the online banking options that are going to be available. Ask how easy it is to transfer money between savings and checking accounts. A bank that really offers the best savings account has the ability to tailor a package that is ideal for you and your particular situation. Find out if there are any charges for withdrawing savings using an ATM card. Also ask about the process for transfers from bank-to bank.

If you can find a bank that provides you with high yield and no minimum balance requirements these are two factors that frequently signal that you may have found a financial institution that can offer you one of the best savings account plans on the market. You do need to keep in mind that savings accounts are good if you have a few hundred dollars to a few thousand that you need to keep around for an emergency. However if you have substantial amounts of money that you are going to deposit you may need to consider a different financial vehicle that will pay you more interest and dividends.

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