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CREDIT GLOSSARY

Katie's Credit Glossary

PREPARING KIDS FOR CREDIT, STUDENT ISSUES

Kids, Money, and Credit
College and Credit Cards, Student Credit Cards
How to Pay for College: Financial Aid information

ASK KATIE

The Truth About Debt Consolidation Programs
Credit & Divorce
Child Support & Deadbeat Dads
Choosing the Right Credit Card for You
Personal Bankruptcy Explained
If You Have Been Treated Unfairly By a Creditor

SCAMS!

Debt Consolidation Scams
Debt Elimination Scams
Debt Settlement Scams
Christian Credit Scams
Predatory Lenders
Identity Theft

BUYING A HOME

Tips for 1st Time Home Buyers
What to do if You've been Denied
Credit & Home Buying
Negotiating a Home

NEGOTIATING AND REPAIRING CREDIT

Negotiating Debt With Your Creditors
Your Rights Regarding Debt Collection
Free Credit Repair: How to Clean Up Your Own Credit
Easy Steps to Building or Re-establishing Good Credit
Disputing Mistakes on Credit Card Statements

CREDIT REPORT INFORMATION, CREDIT SCORE INFORMATION

How to Get Your Credit Reports
How Long Do Entries Stay on My Credit Report?
How to Read Credit Reports
Credit Score, FICO Score Explained
Innovis: The Fourth Credit Bureau

LEGAL INFORMATION

Federal Law Concerning Credit

LINKS

Katie's Links

EMAIL KATIE
DISCLAIMER

CREDIT & FINANCE

• AFSA Education Foundation
  The AFSA Education Foundation's mission is to help all consumers--young and old--become financially literate.
• CreditScoreTips.com - How to obtain, review, and improve your credit score.
• National Debt Clock
• FTC: Fair Credit Billing Act
• Credit Reports, Credit Bureaus, credit Scores and Identity Theft
• Credit Repair: Self Help May Be Best
• FTC: File Segregation - New ID is a Bad Idea
• Americas Consumer Credit Expert
• My FICO: Credit Education
• Mortgage Rates, CD Rates, Auto Loans, Credit Cards and Personal Finance
• Your Credit Counts.com - Online Guide to Financial and Credit Info
• FTC, Payday Loans = Costly Cash
• Victims of Credit Reporting

ANIMALS & ENVIRONMENT

• American Society For The Prevention Of Cruelty To Animals (ASPCA)
• American Humane Society
• The Fund For Animals: We Speak For Those Who Can't
• The Environment Directory
• Environment News Service
• J. Lo and the Lowdown on Fur: Animals Skinned Alive
• Dancing Dog (Video) - Travolta and Olivia got nothing on these two.
• Dancing Dog Part II - Back for more fun and dancing courtesy of discover.com.

FUN LINKS

• The Fruit Game... Go ahead, try it!
• The Best Chess Site on the Web
• Kitty Cat Dance
• Spongemonkeys
• Meet Mike and His Real Haunted House!

GOVERNMENT AND CONSUMER AWARENESS

• Consumer Federation of America
• Consumer Action - A Nonprofit Consumers Rights and Complaint Handling Organization
• Consumers Checkbook - A Nonprofit Consumer Information & Service Resource
• Federal Citizen Information Page
• Federal Reserve Board, Consumer Information Index
• The Consumer Action Website
• Call For Action: Online Privacy
• Social Security Administration
• The Consumer Action Website
• United States House of Representatives
• United States Senate
• The White House
• Federal Trade Commission (FTC) - Consumer Information, Report Fraud, etc.
• Victims of Credit Reporting
• National Association of Attorneys General Website
• FTC: Fair Credit Billing Act
• Social Security "Save For Your Future"
• Retirement America (Acrobat format)
• US Department of Labor
• US Department of Labor, Wage Garnishment Law
• Us Department of Housing and Urban Development, Housing Counseling
• Internal Revenue Service (IRS)
• NEW FTC Website: How to Stay Safe Online
• U.S. Consumer Gateway - A one-stop link to a broad range of federal information resources including articles on "your money", fraudulent, and deceptive trade practices. Each category has subcategories to direct you to areas within individual federal web sites containing related information.
• AAFCS - Founded in 1909, The American Association of Family and Consumer Sciences' purpose is to improve the quality and standards of individual and family life.
• FTC, Payday Loans = Costly Cash

HOME BUYING TIPS & HOME LOANS

• Home Buyers Information Center, Money Saving Tips
• Fannie Mae - Helping People to Obtain the American Dream
• The ABC's of Real Estate - How to Buy and Sell Property
• Freddie Mac: Your Route to Home Ownership
• FAQs About Buying HUD Homes
• Acorn Housing Corporation - A Non-Profit Provider of Affordable Single-Family Homes for First-time Homebuyers in Moderate and Low-Income Neighborhoods
• Center For Responsible Lending - A Resource For Predatory Lending Opponents
• Mortgage Rates, CD Rates, Auto Loans, Credit Cards and Personal Finance
• Us Department of Housing and Urban Development, Housing Counseling

SAVING MONEY AT HOME

• NEW FTC Website, How to Stay Safe Online
• The Clark Howard Consumer Action Center
• Home Buyers Information Center, Money Saving Tips
• Energy Watch, Your Gas & Electricity Watchdog
• U.S. Department of Energy, Office of Energy Efficiency and Renewable Energy, Tips on Saving Energy and Money at Home
• The Dollar Stretcher, Living Better For Less
• Pioneer Thinking, Saving Around the Home
• Thrifty Living, News You Can Use
• Upromise - Parents Click Here To Save For College
• MSN, Yes You Really Can Save Money!
• APS, Save Money on Utility Bills
• James Dulley, Sensible Home Cut Your Utility Bills
• Personal Budgeting and Money Saving Tips
• Cheapskate Monthly - Bringing Dignity to the Art of Living Below Your Means
• Consumer World - Click Here Before You Buy a Car

• Home Business Magazine - Work From Home * Franchise * MLM * SOHO * Work At Home Jobs * Home Office Furniture * Entrepreneur
• Business Owners Idea Café - Free Business Plan Samples, Trade Publications, Business Books, Idea Forums, GREAT Site!
• Small Business Ideas - Earn an extra stream of income with IT-Ideas. Learn the secrets that will promote your site and earn you extra income.
• Home Business Research - Everything to Start a Internet Business
• How to Make Money on the Internet - Free E-Book
• JaxWorks - FREE Downlaods, Spreadsheets, Calculators, Business Plans, Everything For a Small Business

• AARP - American Association of Retired Persons
• Retirement America - Acrobat format.
• The Senior Citizens' Website -
• Write a Senior Citizen - The goal of Write a Senior Citizen is to provide an opportunity for Senior Citizens to be able to obtain pen pals from around the world.
• FBI, Fraud Target Senior Citizens -
• AgeNet - Provides a vast resource of information for the elderly with financial, legal, healthcare and other advice.
• CareGuide.com - This site offers resources about aging and elder care, ranging from support with daily living, financial and legal information as well as community support.
• Center for Medicare Services: Medicaid Information - Outline of services covered by the Medicaid program. Describes services provided by nursing homes and hospices; rehabilitation; personal care; occupational and physical therapy, and speech, hearing, or language disorder therapy; treatment for individuals with mental diseases; targeted case management; home and community-based care; and home health care. Discusses coverage considerations.