Good Financial Habits
Access Group is a nonprofit membership organization comprised of 191 state and nonprofit American Bar Association-accredited U.S. law schools. They have developed the Wise Borrower© financial literacy program, particularly for student borrowers. Here you can find suggestions and resources that can help you achieve your financial goals. Topics include budgeting, record keeping, credit card use and identity theft, among others.
Visit Access Group for more information about good financial habits
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Credit Reporting Agencies (CRA)
There are three major nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. If you are denied an application for credit, insurance or employment, you have a right to know the name, address and telephone number of the CRA that provided the report.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know how credit scoring works.
The FICO® Score is a number that summarizes your credit risk. Lenders use it to make credit decisions, such as the interest rate you get when you apply for a loan. Many financial institutions use the FICO Score to make consumer credit decisions.
Identity Theft Resource Center® (ITRC) is a nonprofit, nationally respected organization dedicated exclusively to the understanding of identity theft and related issues. The ITRC provides victim and consumer support as well as public education. The ITRC also advises governmental agencies, legislators, law enforcement, and businesses about the evolving and growing problem of identity theft.
Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.
Tax Breaks for Higher Education
The National Association of Student Financial Aid Administrators (NASFAA) publishes an annual guide to federal tax benefits for higher education. This guide gives you an overview of all the options that may be available to you.
Internal Revenue Service
The IRS is the U.S. government agency responsible for tax collection and tax law enforcement. This site is the official online resource for all federal tax information. Find downloadable forms, instructions, and agency news and events. Answers to your tax filing questions can be found by using this site with its many individualized sections and powerful internal search engine.