MONEY MANAGEMENT: For a free package of helpful
publications on saving, investing, protecting and getting
the most for your money, see
www.mymoney.gov to order the "My Money" tool kit, or call 1/888-696-6639, between 8 a.m. and 8 p.m. The “My Money” tool kit has information to help you choose and use credit cards, get out of debt, protect your credit record, understand your Social Security benefits, insure your bank deposits, and start a savings and investing plan.
A web site calling itself Practical Money Skills for Life gives advice on many money matters such as improving your credit rating and giving an allowance to your children.
The Washington Post has published a list of top websites on investing and finances.
YOUR CREDIT RATING
Anyone residing in Maryland can receive a free credit report once a year. You can use www.annualcreditreport.com/cra/index.jsp to request your report.
If you want to know what is in a credit report, click on this description given by "the Motley Fool."
(If you want to contact one of these three credit bureaus directly:)
After you get your report, call 1-877-382-4357 or see www.ftc.gov
if there is a problem about it and to get help restoring good credit.
If you get your credit report from TransUnion, as above, you also get your credit score.
Your use of credit cards affects your credit rating. The Washington Post of January 25, 2004 included this article about credit.
You can estimate the credit rating (FICO score) that a bank would give to you at this site.
Families of Montgomery County public school students and alumni or private high school students are eligible for membership in the Montgomery County Teachers Federal Credit Union (MCTFCU). For information, call 948-9880 or visit www.mctfcu.org.
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