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Interesting Video by The Economist Magazine

Below is a very interesting video by The Economist of how social media, the Internet, cell phones and technology has changed our lives.

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Student Credit Cards from Discover

August 6, 2008 | Credit Cards | No Comments

It’s important that high school and college students learn to handle money and start building their credit. A great way to build credit is the use credit cards. If you handle your credit card wisely, then your credit score will be high and creditors will lend you money at lower interest rates. Below are credit card offers for high school and college students. Be sure to compare the offers and apply online.

Discover® Student Card

Discover Student Card helps students to build their credit history. The card has a no annual fee with a 0% interest on purchases for 6 months with no minimum income or cosigner required. The card also has unlimited cash rewards, with up to 20% Cashback Bonus when you shop online and double rewards with more than 100 Cashback Bonus Partners.

Discover® Student Open Road(SM) Card

Discover Student Open Road Card is for students who want to hit the open road and save money on gas and auto maintenance by offering a full 5% Cashback Bonus and 1% Cashback Bonus on all other purchases. The card also offers 0% interest on purchases for 6 months and allows students to build their credit history. The card comes with complete fraud protection with a $0 fraud liability guarantee and features advanced fraud early warning alerts, secure online account numbers and fraud specialists 24/7.

Credit Cards for People With No Credit History & to Rebuild Credit

August 6, 2008 | Credit Cards | No Comments

New Millennium Bank Secured Platinum

New Millennium Bank Secured Platinum is a platinum card that can be yours for the taking. New Millennium Bank can approve you for up to $10,000 in secured credit regardless of your income or credit history. Choose a Visa or MasterCard. You can build your credit with this card because it reports to all 3 Bureaus and there is no credit check. You will be approved regardless of credit history.


Eufora Elite (1 Creative 3 levels)

Eufora Elite allows you to build your credit by reporting to the credit bureaus. 100% guaranteed approval with no credit check. So don’t worry if you have bad credit. This is a prepaid card, however, there is free direct deposit, free point of sale transactions, free 24/7 online access to your account, and live customer support. The card also offers a cash reward program. The card can be reloaded at thousands of retail locations across the country with a $5000 maximum value.

The Top Business Cash Back Credit Cards

August 5, 2008 | Credit Cards | No Comments

None available at this time.  Please check back later.

The Top Airline Rewards Credit Cards

August 4, 2008 | Credit Cards | No Comments

Below we have listed the top airline rewards. Earn miles when you travel and even when you spend money using the card. Most of these cards offer unlimited miles that never expire as long as you use the card. Using some cards will allow you to get discount for rental cars, hotels, restaurants, etc.

Miles by Discover Card

Miles by Discover Card allows you to book any travel through any airline, travel agent or online travel site. You can get double miles on up to $3,000 in travel and restaurant purchases each year. Get 1 Mile for every $1 on all your other purchases. Unlimited Miles that never expire as long as you use your card. Redeem for travel credits to your account, gift cards from any of our 70 brand-name Partners or cash starting at just 1,000 Miles.

Why Do Companies Offer Free Credit Reports?

August 3, 2008 | Credit Reporting | No Comments

There are numerous websites offering Free Credit Reports with the hopes of selling credit monitoring services to monitor credit reports for any changes that may affect someone’s credit score and help protect against identity theft. Credit monitoring costs from $10 to $30 per month depending on the level of service and features. Most companies will offer free credit reports along with a free credit monitoring trial to see their credit report and how their monitoring services work.

Consumers can get a very simple version of their credit report, but not their credit score or a free credit monitoring trial, but visiting, created by the passing of the Fair and Accurate Credit Transactions Act (FACT Act), does offer some credit report data, but not always as complete and comprehensive as a more traditional credit report from a credit bureau. doesn’t offer any credit monitoring.

Below are several companies offering free credit reports and credit monitoring trials:

ConsumerDirect offers consumers free credit scores as well as a free trial of there system called “Score, Fix & Lock” to help you control your identity. Membership includes all your credit scores (Credit, Auto, Insurance, Employment & Future Credit Score), fixing credit report problems, and locking your credit reports all using our simple point & click Action buttons. ConsumerDirect is linked to over 95% of Creditors in the United States to quickly fix credit report problems, ask your creditor questions, settle reported debts and recover from Identity Theft. offers consumers a free credit report. It’s easy to use, and it costs nothing to apply. matches consumers with qualified professionals to help them borrow money, get out of debt and repair their credit. The site requires your personal contact information via an online lead form and uses your information to match you with the companies who can best help you. allows you to easily and instantly see your credit reporting history by connecting you with one of the three national credit agencies, Experian, Equifax, and TransUnion. also matches consumers with qualified professionals to help them borrow money, get out of debt and repair their credit. The site requires your personal contact information via an online lead form and uses your information to match you with the companies who can best help you.

Related article: Monitor Your Personal Information

The Best Prepaid Credit Card Deals

August 2, 2008 | Credit Cards | No Comments

If you are having problems getting a credit card due to poor credit, then consider a prepaid credit card. There are several prepaid credit card services to consider. A prepaid credit card is not a credit card. Unlike a credit card, you deposit money on your card before you make purchases, so you can choose just how much to spend. Since you’re not borrowing money, there are no credit checks, interest charges or late fees!

Prepaid credit cards require you to have a funded account which is debited when you use your credit card. Sort of like a bank debit card. However, using a prepaid credit card can help with your credit rating over time. Below we have listed the best prepaid credit card deals for you to consider.

AccountNow offers a prepaid MasterCard credit cart. This is great alternative in cashing your pay checks instead of paying 3%-5% of every paycheck to a check cashing service you can easily deposit your paycheck and pay bills for free with your AccountNow prepaid account. AccountNow allows you to have your employer directly deposit your paycheck into your AccountNow prepaid account each pay period. This eliminates trips to the check casher and stop waiting in line.

Your AccountNow prepaid account comes with a MasterCard prepaid card. Make purchases all over the world everywhere MasterCard debit cards are accepted and access cash at over one million ATMs worldwide. You can also use AccountNow free Online Bill Pay and free Credit Builder and they’ll help you build your credit worthiness by reporting your payment history to PRBC, a national credit reporting agency.

Ready Visa debit cards are accepted worldwide at any business that accepts the Visa credit card. You can also use the Ready debit card to withdraw from any ATM that displays a Visa, Interlink, or NYCE acceptance marks. You can withdraw up to $500 per day using an ATM and $2,500 per day from a bank teller. The company charges very low fees.

To fund your account the best way is to sign up for direct deposit. With the Ready debit card you’ll avoid check cashing fees. The total balance on your READY debit Card cannot exceed $10,000 at any time. You can check your account online or by calling a toll free number. Ready also offers an online bill pay service that allows you to pay anyone online. If the recipient can’t take online funds, Ready will print a check and mail it to them.

Monitor Your Personal Information

July 26, 2008 | Credit Reporting | No Comments

Protecting your identity and credit in today’s world is extremely important. Your credit tells people about your character. Whether you are purchasing a car, a home or even applying for a job, your credit most likely will be checked to determine your character. Your credit score answers the question, “Are you the type of person that takes care of your personal and financial business?”

Unfortunately, many people only check their credit occasionally. By the time they find out there is a problem it’s way too late. They then have to go through the pain staking process of fixing the problem which also can be expensive. In some instances, they have to hire a lawyer or company to fix all the problems created by the criminals who stole their information.

Fortunately, there are several services that will monitor your information to alert you if there is a problem. The faster you find out, the faster you can stop the criminals from destroying your good name. Below we have listed a few companies who charge a nominal fee to instantly alert you should someone try to steal your identity or personal information such as your credit card or bank information.

LifeLock offers a proactive identity theft protection to protect your identity and personal information for only $10 a month. They guarantee their service up to $1,000,000. You may have seen their advertisement with their CEO showing his social security card number. LifeLock also offers identity theft child protection.

Equifax is one of the three personal credit rating companies (Experian and TransUnion are the other two) who offer a credit monitoring to protect you from fraud by monitoring and automate alerts. You can get alerts via e-mail and cell phone. Equifax offers a 3-in-1 Monitoring which makes it easy for you to monitor all 3 of your nationwide credit reports by alerting you within 24 hours of key changes.

TrustedID provides consumers with resources to manage and protect credit and personal information, and who has accessed the information. TrustedID helps family protection for unlimited adults and children, provides proactive scanning for personal and financial information, protection of medical identity, reduction of junk mail, warranty protection of $1,000,000 and free annual credit report.

Privacy Matters is a provider of credit management, identity theft protection and family safety products and services. The company has been around since 1998 offering credit reports and identity fraud reports.

Privacy Matters offers Privacy Matters 1-2-3 which lets members view and monitor their financial/credit information via their home computer and the Internet. Members have unlimited access to 3-in-1 Credit Reports and Scores from TransUnion, Experian and Equifax.

The company also offers Privacy Matters Identity which is a personal identity theft protection program. New members receive a free personalized identity theft security report to help assess their personal risk of becoming a victim of identity fraud and begin to take preventive measures to reduce their chances of becoming an identity theft victim. For ongoing identity theft protection, automatic ID theft monitoring scans thousands of public and commercial data sources and alerts members by email of potential evidence of identity theft.

Related Article: Why Companies Offer Free Credit Reports