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U.S. Consumer Awareness Information


   New credit scoring model

The new FICO™ scoring model is due out November, 2015.


What You Need To Know:

The New Scoring Model Will Benefit Consumers With Medical Debt, As The New Scoring Model Excludes This From Score Formulation.

Also Collections That Have Been Paid In Full Will Also Be Excluded From Score Formulation.


Read More: New Credit Score Model.

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Your Annual Credit Report

Your Credit Report could impact your ability to get a loan, insurance, or even a job. Get information on your Annual Credit Report. Annual Credit Report.

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Your Consumer Rights When A Prospective Or Current Employer Runs Your Credit Report.

Although the information that employers receive is limited, it could impact your ability to get a job. Know what your consumer rights are. Employer Credit Checks.

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When Paying For Credit Report Monitoring Might Make Consumer Sense.

Worried about identity theft?  Shop at a store in which the store's credit card data has been breached?
Planning on making a big purchase? These are some of the reasons you may want to consider to pay to have your credit report monitored. Credit Report Monitoring.


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Steps You Can Take To Prevent Identity Theft.

Identity theft can create havoc for consumers. Most of the time it is out of the consumers control, but there are steps you can take to help minimize identity theft. Steps to Take To Prevent Identity Theft.






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.