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Providing Unbiased Reports On U.S. Government Programs And Regulations.
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Credit Reports

Annual Credit Report.

Employer Credit Checks. Do You Know Your Rights?

Study Reveals That Many Credit Reports Contain Errors.

Steps In Preventing Identity Theft.

Why A Credit Report Monitoring Service
Might Make Consumer Sense.


New Credit Scoring Model Might
Benefit Some Consumers.


How Credit Scores Are Calculated.

How Credit Inquiries May Affect Credit Scores.

How Late Payments Affect Credit Scores.

Why Credit Reports Are Not Equal. There Are
Three Main Credit Bureaus.



Student Loans:
 

Federal Student Loans Vs. Private Loans.

Income-Driven Plans For Repaying
Student Loans.


Qualifying For The Educational Tax Credit.

Grants Available For Education Purposes.

Pros And Cons Of Consolidating Student Loans.


The Difference Between A Direct Subsidized And A
Direct UnSubsidized Student Loan.


What To Look For When Shopping For A Student Loan.


Consumer Loans:

The Benefits Of An FHA Backed Mortgage.

Seven Factors That Will Determine Your 
Mortgage Interest Rate.



Consumer Information On Health Care Credit Cards.

Consumer Rights With Credit Card Companies.

Is A Reverse Mortgage Right For You? 


Guide To Insurance Products:

A Consumer's Guide To Purchasing
Homeowners Insurance.


A Consumer's Guide To Purchasing 
Auto Insurance.


A Consumer's Guide To Purchasing 
Life Insurance.


How The Life Insurance Settlement 
Market Is Regulated.


Debt Management 

Chapter 7 Bankruptcy Is Regulated 
By U.S. Law. Know Your Consumer Rights.


What Consumers Need To Know About 
Debt Management Plans.


Consumer Tips On Keeping Medical Debt 
In Check.




Social Security And Medicare

Social Security And Retirement Income Links:

       
Why It May Be Wise To Delay Your Social Security Pay.

Reverse Mortgages ExplainedYou Must Be At Least 62 To Qualify.

Retirement Check List. Are Ready To Retire?
          
Will A Pension Affect Social Security Pay?
                 
The Difference Between A Defined Benefit Pension And A Contribution Plan?

Penalty Tax For Early Retirement Plan Withdraws.

How The Life Insurance Settlement Market is Regulated.

Tax Credits Are Scaled By Age For Retirement Plan Contributions.


Medicare And Retiree Health Links:

2015 Medicare Plans And Enrollment Information.

Medicare Plans Explained.

Long-Term-Care And Medicaid: Are You Covered?

Long-Term-Care: How To Plan And What To Expect To Pay.

Government Report Indicates Too Many Medicare Supplemental Plans Make It Confusing For Seniors.


US Gov Connect

U.S. Gov Connect Provides Updated Information On Government Programs And Regulations.






Top Stories Related To Consumer Finance Content On U.S. Gov Connect.


New Credit Score Calculation Model Will Benefit Some Consumers.

 Summary of FICO® Score 9 Benefits: 

The Much anticipated improvements to the FICO credit score model is due out in the fall of 2014. The new credit score model will not include collections that have been paid or settled. The new credit scoring model will de-emphasize thin credit records and also unpaid medical bills. This will help consumers, as over 90% of all US, consumer-lending decisions use a FICO credit score. > Get More Information

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Consumer Rights In Regards To Their Annual Credit Report.

Your credit report consist of information of where you live, how you pay your bills, and tracts all of your outstanding debt. Your credit report also contains public records such as liens and bankruptcies. The credit reporting agencies in turn sell this information to creditors, insurers, and employers.
> Get More Information

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The Benefits Of An FHA Loan.


An FHA mortgage is a type of government-backed loan. Although it is backed by the government, it is not given directly to the consumer by the government. Instead, to participate in this program, the borrower has to work with an FHA mortgage lender. The lender issues the FHA mortgage to the borrower, but it is backed up by the FHA. If the borrower defaults on the loan, the FHA then pays the lender back a certain amount of money. This makes it easier for mortgage lenders to offer these types of loans because they are not taking on as much risk. > Get More Information.
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Top Stories Related To The Health Insurance Marketplace.

Shopping Around For Health Insurance During Enrollment Could Payoff.

The Health insurance company's intentions are to gain new enrollees and to keep the ones they already have. Therefore, they are working very hard to keep premiums for the silver metal health insurance plan at a low level. 

Generally, silver plans cover about 70 percent of a person's health benefits and are the second-least costly health plans that consumers will find in the health insurance exchanges. 

Those who are currently enrolled in a health insurance plan will be re-enrolled in that plan under the current healthcare rules. The exception will be people who wish to enroll in a different plan.  > Get More Information
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Penalty Tax For Opting Out Of Health Insurance.

The recently-introduced Affordable Care Act provides everyone with the opportunity to purchase health insurance. However, those that do not purchase insurance that contains minimum essential coverage face a penalty and have to pay a tax. This tax was introduced for the 2014 tax year and will increase gradually until 2016, after which it will be adjusted for inflation. The tax is calculated using the higher of a percentage of an individual's income or a flat fee.
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Income Levels that May Qualify for Lower Health Insurance Costs.

Under the Affordable Care Act, it's mandatory for all individuals who are not otherwise covered by insurance or public programs to purchase a minimum level of health insurance. However, individuals whose incomes fall below certain thresholds may qualify for government health insurance subsidies to help pay for these costs.


The following provides an overview of the income levels for 2015 that may qualify individuals for the health insurance subsidies; adjusted gross income (AGI) can be used as an estimate. Perhaps one of the most important variables is whether or not one's state of residence is expanding Medicaid (if it is not, individuals should apply for Medicaid regardless, as they may qualify under their states' current rules). Please note that the below figures only apply to residents of the continental 48 states, as the amounts for Hawaii and Alaska are higher.
> Get More Information.

Top Stories Related To Social Security And Medicare.

When To Take Social Security Benefits? 

If you are nearing retirement, one of the biggest dilemmas that you probably face is when to begin drawing your social security benefits. The problem is that the longer you wait, the higher your monthly income will be. However, waiting also means that you forego several years of income, even if that income is at a lower rate. Therefore, the question comes: when, exactly, should you begin to take your social security benefits? > Get More Information.

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Get Information On Medicare Plans And Medicare Open Enrollment Period.

Medicare enrollment involves a selection of Medicare plans. Individuals who qualify at age 65 usually get Part A coverage with no premium requirement if they are already getting benefits from Social Security or the Railroad Retirement Board. Individuals who have not filed for such benefits, but are still eligible to receive them are also eligible for Medicare-related benefits. The same applies for a spouse who meets the same conditions. Individuals under the age of 65 may still receive Part A without premiums if they have been receiving Social Security or Railroad Retirement Board benefits for 24 months or have certain qualifying medical conditions such as end-stage renal disease. > Get More Information.

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