Category: Credit Reports

For Your Listening Pleasure, The Top 10 NGPF Podcasts

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Jul 25, 2017
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Podcasts, Credit Scores, Credit Cards, Index Funds, Investing, Mutual Funds, Current Events, Credit Reports, Featured Teachers, Entrepreneurship
The NGPF Podcast started almost two years ago (and almost 100 podcast segments later) allowed me to “scratch my own itch.” To anyone who knows me, I love talking finance and since I was young I was always told that I had a voice (and a face) for radio. I thought why not try this “podcasting thing” and see what happens. My thinking was “How much fun would it be to reach out to interesting people, including educators, researchers, columnists, finance experts, authors,...

What is Your Favorite NGPF Resource? We Asked 12 Educators at NGPF Summer Institute And...

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Jul 17, 2017
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Activities, Credit Scores, Activity, Credit Cards, Investing, Stocks, Credit Reports, Generosity, compound interest
here is what they said. Day 1 of our July Summer Institute and we wanted to share with the community the top picks of these outstanding educators. But first, we asked them to explain a few things about this resource. Click on the link listed under Picture of Poster for educator answers to questions about their favorite resource, including: Why is this your favorite? What modifications (if any) did you make? How did the resource work in your classroom? What other feedback would you like to...

Quiz: How Well Do You Know Credit Cards?

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Jun 19, 2017
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Credit Cards, Credit Scores, Current Events, Credit Reports, Quizzes, Interactive
Hat tip to Jessica for the heads-up on this resource (yes, the NGPF team does spend hundreds of hours looking for great resources!) Take this NerdWallet 14 question quiz and find out. Please note that there are some tricky questions here that will lead to valuable classroom discussions (I learned some new things): ____________ Want to build your credit card knowledge that can help in your own financial lives? Listen to Sean McQuay of NerdWallet on this NGPF podcast.   ...

Teacher Feedback on our Credit Units -- Thanks, Maureen!

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Jun 01, 2017
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Credit Cards, Credit Scores, Video Resource, Credit Reports, Featured NGPF Lesson, NGPF Fellows
NGPF Fellow Maureen Neuner is consistently in touch with us here at NGPF, which we love love love! Her most recent feedback seemed worth sharing, as it might entice some of you to check out our credit units for use next year. Here’s Maureen’s email [with comments from Jessica in brackets]… Happy Friday! I just wanted to give you some feedback on the credit unit I just completed. Every year I feel like I redo my lessons for credit because there is so much information out there...

What I've Been Reading This Week (For Week Ending 4/8)

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Apr 07, 2017
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Behavioral Finance, Credit Scores, Career, Research, New Products, Current Events, Chart of the Week, Credit Reports, Math
Tesla now worth more than Ford but their valuation depends on hitting aggressive sales targets for Model 3 (Economist) But Tesla is going to have to crank production up by an awful lot more to make the 500,000 cars a year which Mr Musk wants to see pouring off the production line by 2018, let alone the 1m intended for just two years later. To reach those volumes, Tesla is counting on its forthcoming Model 3. Priced at around $35,000, the new car will cost around half that of the other two...

What I Have Been Reading This Week...

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Mar 31, 2017
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Article, Credit Scores, Career, Paying for College, Question of the Day, Research, Credit Cards, Investing, Student Loans, Current Events, Credit Reports
Here’s a weekly round-up of articles that caught my attention this week that I thought you would find interesting: Want to find out what it feels like to own a volatile stock? Find out how this investor got emotional by making a $3 trade in this MarketWatch article, “I drove myself crazy by investing $3 in the stock market.” “Turns out, it doesn’t cost much to drive yourself batty over your investments. For the past week, ever since I broke one of my cardinal...

Resource Lists for Financial Educators (courtesy of Barbara O'Neill of Rutgers Cooperative Extension)

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Mar 28, 2017
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Activities, Credit Scores, Career, Paying for College, Research, Budgeting, Credit Cards, Identity Theft, Personal Finance, Investing, Mutual Funds, Savings, WebQuest, Financial Literacy, Student Loans, Checking Accounts, Debit Cards, Payment Types, Stocks, Current Events, Insurance, Video Resource, Case Study, Credit Reports, Employment, Quizzes, Entrepreneurship
What does a distinguished professor do during her sabbatical? Curate personal finance resources, of course! In this blog post, Barbara O’Neill shares the fruits of her hundreds of hours of labor in putting together three awesome resource lists (see bottom of post for links to her lists), including what what she considered the “best of the best” from the NGPF library. As she describes below, the purpose of her odyssey was to replenish her “well” of creative...

What's New With Credit Reports?

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Mar 14, 2017
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Credit Reports, Credit Scores, Policy, Research, Current Events, Video Resource
Here are a few new developments that we are tracking: Consumers are about to benefit from changes afoot with credit reports (From WSJ [subscription] with hat tip to NGPF Team member, Sonia): Many tax liens and civil judgments soon will be taken off people’s credit reports, the latest move to omit negative information from the powerful financial scorecards. The decision by the three major credit-reporting firms— Equifax Inc., Experian PLC and TransUnion—could help boost credit scores for...

Top NGPF Podcasts

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Mar 14, 2017
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Podcasts, Credit Scores, Credit Cards, Investing, Credit Reports
Looking for a great opportunity to deepen your knowledge on a topic that has been vexing you for weeks, months or maybe even years? Well, the NGPF podcast is a great place to turn. I interview experts including educators, NY Times bestselling authors, columnists at leading newspapers, researchers and academics. I thought I would share with you our top 10 podcasts over the past 12 months, based on data from Soundcloud: Author Allan Roth Author Jonathan Clements Author Helaine Olen Credit...

What Percentage of 18-22 Year Old's Credit Applications Declined?

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Mar 02, 2017
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Chart of the Week, Credit Scores, Question of the Day, Research, Credit Cards, WebQuest, Current Events, Credit Reports
Answer (from ID Analytics report): 72% Questions for students: Why do you think 18-22 year olds aren’t able to access credit? May not be familiar with CARD Act which requires those under 21 to have a co-signer or independent source of income to apply for a credit card. Lack of experience with credit leads to low credit scores Bad experience with credit may be another reason for low credit score When do you think you will apply for credit for the first time? For what purpose? What...

What's the Catch?: Purchase 3 Bureau Reports

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Feb 14, 2017
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Credit Reports, Credit Scores, Advertising, Current Events
I saw this paid ad during a Google Search this evening: Hmmm…so what caught my eye? The “Purchase 3 Bureau Reports.” Many of you are probably wondering “Why purchase these reports when you can get credit reports from each of the three bureaus for FREE at annualcreditreport.com? ” and “Why would you want to buy them at the same time?” A best practice is to space out your FREE credit reports from the three credit bureaus every four months so you can be...

Time Launches Coinage, A Video-First Site Dedicated To Personal Finance

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Feb 08, 2017
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Video Resource, Credit Scores, Personal Finance, New Products, Taxes, Credit Reports, Entrepreneurship
From Press Release: Today, Time Inc. (NYSE:TIME) launches Coinage, a new video-first brand covering personal finance that runs across 22 Time Inc. sites. Coinage will feature 600 short-form videos throughout 2017 to help guide everyday choices consumers make in spending, saving and investing for themselves and their families across all stages of life in a lighthearted and entertaining fashion. Here are the first three videos they released. Each are between 1-2 minutes: Super Bowl: discusses how...

Free FICO Scores From Experian!

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Feb 02, 2017
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Credit Scores, Research, Current Events, Credit Reports
We knew that more and more credit card companies were providing their cardholders with their credit scores each month (Discover was the first to offer to their cardholders and then expanded that by providing it to anyone who went to their site). Then there are sites like Credit Karma and Credit Sesame that also provide credit score information for free. This evening, the Wall Street Journal is reporting that Experian is getting into the act: Credit-reporting firm Experian has recently begun...

Article: Can The Credit Scoring System Be Fixed?

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Jan 16, 2017
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Credit Reports, Credit Scores, WebQuest, Article
I was thinking about this question recently for two reasons: 1) the $23 million fine that CFPB handed down to a few credit reporting agencies for deceptive marketing around credit scores and 2) As fewer millennials choose credit compared to debit, the number of credit invisibles increase. So, what can we learn from this article from the Atlantic (approximately 10 minutes in length)? My notes: Chicken or the egg problem with credit: “If you think about the credit-invisible population in this...

In My Personal Finance Life: Want A FICO Score With That Free Credit Report?

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Jan 15, 2017
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Advertising, Credit Scores, Research, Current Events, Credit Reports
It’s a new year which makes it a good time to review your credit report. I went to annualcreditreport.com, answered a few questions to verify my identity and proceeded to my credit report. As I completed my review, I couldn’t help but notice the offer about getting my credit score (can you say cross-selling opportunity?). When I clicked on the button… What’s the catch? Well the $4.95 offer comes with an asterisk and then this fine print “$4.95 for your first...

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