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FreeScore: Billy, thanks for taking the time to talk today. I know how busy you are, being the one bad credit score that ruins everything, unexpectedly popping up when people try to use their credit. How does it feel to create so much mischief?

Billy Bad Score: I know, I know, I’m the heavy (no weight jokes, please). But it’s funny how so many people don’t even believe I exist. Or they never consider that one bad credit score is lurking somewhere in their credit profile, so they don’t even bother to check. Not to be mean or anything, but why risk turning a loan application into toilet paper?

FreeScore: Just so happens, though, that more and more people are signing up for FreeScore and getting wise to your antics. We’re getting the word out that people have not one but 3 credit scores, and all 3 need to be good if they want to avoid unpleasant surprises from you.

Billy Bad Score: Uh-huh. Do they k

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Just in case you hadn’t heard, Sony’s Playstation Network (PSN) went offline mysteriously on April 20, 2011. The company’s Qriocity music service also went offline. With little to no word on the cause from Sony, millions of gamers were left to speculate about such massive and prolonged outages. However, PSN users recently received an email which stated the following:

“We have discovered that between April 17 and April 19, 2011, certain PlayStation Network and Qriocity service user account information was compromised in connection with an illegal and unauthorized intrusion into our network.”

Names, addresses, PSN/Qriocity logins, email addresses and birthdates were obtained by the intruder(s). Also, Sony states that there is a possibility that credit card numbers stored on the server may have been obtained.

While this news is certainly alarming, the company does provide some information that can help those affected prevent identity theft. Sony reco

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Watch this video when you get a chance. I think youll like it.

The new ways thieves are stealing your identity April 12, 2011, 11:21 am By Yolander Prinzel The more technology encroaches into out lives, the more access we give them to our Identity thieves are nothing if not creative; they can take the most seemingly innocent item and turn it into the keys to unlocking your financial The more technology encroaches into our daily lives, the more access we give them to our personal Social Networks Exactly how much information do you share on social networks? When you complete your profile or account information for a social networking site, they ask for personal information such as your date of birth, address, phone number and even your hometown or place of While giving all of this information to a social networking site might enhance your ability to connect with other users, it also puts very important information out for potential thieves to Make their job harder by leaving these sections And its not just about the information you give in your profile you also need to consider what you say within your For example, many financial websites like to use your mothers maiden name as a failsafe for identifying you when you log on or forget your But what happens if you happen to mention your mothers maiden name in a social network status update?

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American Express just launched a new cash back credit card, coined the “Blue Cash Everyday℠ Card.”

The credit card comes with no annual fee and no spend minimum, meaning you start earning cash back at the full percentages right off the back.

What you get in the way of cash back with the Blue Cash Everyday Card:

Rewards dollars can be redeemed once your balance is $25, and can be used for cash, gift cards, statement balances, or other merchandise, such as electronics, clothing, and more.

0% APR for up to 12 Months

The Blue Cash Everyday Card also comes with 0% APR for up to 12 months on purchases, meaning you won’t have to pay any credit card finance charges for the first year.

After that, the variable APR ranges from 17.24% to 21.24%, depending on things like credit score and other borrower attributes.

The card also affords you discounts at places like 1-800-FLOWERS.COM®, Fleming’s® Prime Steakhouse & Wine Bar, Hertz®, and other merchants.

You can see a complete list of partners and offers here.

You can also receive a $25 referral bonus for each friend or family member who is approved for the Blue Cash Everyday Card.

Final Word

If you use your credit card at supermarkets, gas stations, and department stores often, this could be the card for you.

The categories are fixed, so you won’t have to worry about them rotating in and out, like the rewards programs offered by other card issuers.

And with no annual fee, it’s a great choice for those who want the benefits of American Express without the cost.

Disclaimer: This content is not provided or commissioned by American Express. Opinions express

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The Lowest Price we could find is $146.00 $47.39

Under English law it is possible to secure credit on almost any asset, but the law is widely considered to be unsatisfactory. Gerard McCormack examines English law and highlights its weaknesses. He uses Article 9 of the American Uniform Commercial Code as a reference point for reform. This Article has successfully serviced the worlds largest economy for over 40 years and is increasingly used as the basis for legislation by Commonwealth jurisdictionsincluding Canada and New Zealand.

The cost of higher education can empty your savings account and leave you buried in debt before you ever cross that stage to accept your diploma. AOL reports that the amount of debt owed in student loans now tops the amount of credit card debt Americans are saddled with. Americans currently owe $829.8 billion dollars in student loans, $300 billion of which has been taken out in the past four years.

An Associated Press-Viacom survey shows that nearly half of students polled are uncomfortable with the amount of student debt they hold. The survey also found that students are more likely to consider dropping out of college because of money trouble than bad grades.

Before you begin to evaluate schools and programs, take a minute to look at the different ways you can finance your degree. Federal loans are available for students based on need. If you want to take advantage of them, you’ll first need to complete a FAFSA form. O

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