(Eric Spiegel)

Know Your Crowdfunding Platforms: Missions, Fees, And Rules

You have an idea, or you have an urgent financial need, and you want to turn to the Internet to make funding happen. Or let’s say some acquaintance is asking for money on Facebook for what seems like a cool project or worthy cause, but you wonder: what the heck is an “indie go go?” Why is the site itself asking me for a donation, too? [More]

Is ActiveHours A True Payday Alternative Or Just Another Too-Good-To-Be-True Letdown?

Is ActiveHours A True Payday Alternative Or Just Another Too-Good-To-Be-True Letdown?

We’re largely a society built on convenience: fast food, one-stop shops and other we-need-it-now services. Unfortunately, that need for timeliness seeped in to the financial system in the way of quick-fix payday loans, which can provide the convenience of a quick, low-value loan but which often result in a revolving cycle of high-interest debt. Now a new lending product aims to take the predatory stigma out of short-term loans, but, like many payday alternatives of the past, a closer look reveals reason for concern. [More]

Did Someone At The DMV Steal This Woman’s Identity? Maybe

Did Someone At The DMV Steal This Woman’s Identity? Maybe

Over on Reddit, one poster in the the /r/personalfinance subreddit shared the terrible thing that happened to his fiancée when she visited her local Department of Motor Vehicles to change the address on her driver’s license. It’s not clear what happened or exactly how, but what they know is that someone issued a new license with her name and information and a different ID number. This person also has her Social Security number. [More]

Fandango, Credit Karma Apps Allegedly Put Consumers’ Personal Information At Risk

Fandango, Credit Karma Apps Allegedly Put Consumers’ Personal Information At Risk

Pop quiz time! What do Fandango and Credit Karma have in common? Yes, they both have really catchy (or annoying) advertisements. But that’s not the answer we were looking for. Give up? Okay, here it is: both companies allegedly deceived millions of consumers and put their personal information at risk. We never said it was a good thing to have in common. [More]

(Triborough)

Girl Scout Troops Let Down When $24K Order Turns Out To Be A Cruel Hoax

UPDATE: After hearing the woeful tale of the Girl Scouts swindled out of a $24,000 sale, locals in Portland showed up over the weekend to buy up 3,000 boxes of the 6,000 that had been set aside for the hoax order. [More]

The Original FreeCreditReport.com Band Is Back Together

The Original FreeCreditReport.com Band Is Back Together

Did you miss the original band of friendly, slackerish white dudes who pretended to play ditties about the dangers of poor credit FreeCreditReport.com ads? Yeah, neither did anyone else. But even though they held a nationwide contest to find their current house band two years ago, the magic just wasn’t there. Maybe the new guys weren’t irritating enough. So the old crew is back together to annoy us. [More]

Bought A Groupon, An iPhone 4, Or Coconut Water? These Class Actions Are For You

Bought A Groupon, An iPhone 4, Or Coconut Water? These Class Actions Are For You

Have you bought coconut water, pinot noir, a Samsung TV, or an iPhone 4? If you purchased any of these products, plus a whole bunch more, you may be eligible to file a claim in one of these recently settled class action lawsuits. Proof of purchase isn’t always required, but lying is bad consumer karma. [More]

Recipes For Chipping Away At Various Types Of Debt

Recipes For Chipping Away At Various Types Of Debt

Everyone with debt would like to eliminate it, but it’s not always clear where or how to get started. There are many types of debt, and each is suited to a different payoff strategy. [More]

Get A Free FICO-esque Score From Credit Sesame

Get A Free FICO-esque Score From Credit Sesame

Credit Sesame is an advertising-supported service that gets you your credit score for free. No hidden fees, singers in Renaissance garb or gotchas. It’s not quite your FICO, but it’s close. [More]

Get Your Tornado Insurance Settlement Check Fast

Get Your Tornado Insurance Settlement Check Fast

With more tornadoes on the way tonight after last weekend’s deadly twisters that killed 45 and left hundreds of homes damaged and destroyed, it’s important to have your ducks in a row to get your tornado insurance claim check issued quickly should disaster strike. After you shake off the daze and dust from the destruction, what do you do to get your cash fast and get on the road to repair and recovery? [More]

Morning Deals

Morning Deals

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  • Want Just A Credit Report From TransUnion? Too Bad

    Want Just A Credit Report From TransUnion? Too Bad

    Michael wanted to pay a copy of his Transunion credit report. In theory, this shouldn’t be a problem: he gives Transunion money, they give him a credit report. If only it worked that way. It turns out that just buying a single copy of your report from Transunion is like trying to buy a mobile phone in America from a retail store: you can get it for “free” with a subscription to monitoring service, or as part of a package deal with other services, but you can’t just hand over cash for a credit report. [More]

    Ooh Shiny: Sears Card Gives Free Credit Scores

    Ooh Shiny: Sears Card Gives Free Credit Scores

    How would you like a free credit score with not very much baloney? The Sears Card from Citibank gives you just that, with no annual fees. [More]

    Take Your Score From 650 To 800 With The Credit Karma Report Card

    Take Your Score From 650 To 800 With The Credit Karma Report Card

    Credit Karma recently launched the free Credit Report Card service that assigns letter grades to each component of your credit score. If you want to improve your credit score, try to bring up your performance in areas where you have low or failing grades. Not every component has the same bearing on your score, so underneath each section Credit Karma tells you how much weight it has. For those who look at their reports and scratch their head, the Credit Karma report card, which is drawn from your TransUnion report, makes understanding why your credit score is the way it is a snap. Full screen shot inside.

    How Accurate Are Credit Score Estimators?

    How Accurate Are Credit Score Estimators?

    Did you try Bankrate’s score estimator when it was featured on the Consumerist two years ago? I did and I wondered how accurate that 12-question quiz was. Answer? Not bad.

    Report From Finovate '08: Round 3

    Report From Finovate '08: Round 3

    We spent yesterday at Finovate, a yearly roundup of new personal finance services available online. Here’s a recap of some of the afternoon presentations, including a mortgage comparison service that promises greater transparency, a new credit simulator feature from Credit Karma, and a site that uses reverse auctions to get banks to bid on your money.

    Scamming The FreeTripleScore.com Scam

    Scamming The FreeTripleScore.com Scam

    Just saw a (horribly produced) ad last night for freetriplescore.com, the latest in a long string piece of crap “free” credit score sites. As Chris Walters noted when he wrote about it, for the most part it’s a ripoff. But maybe there’s a way to pull a fast one of you own and get a free credit score…

    CreditKarma.com Makes Free Credit Score More Like FICO's

    CreditKarma.com Makes Free Credit Score More Like FICO's

    The CreditKarma.com site we told you about in our roundup of “5 No BS Ways To Get A Credit Score For Free” has changed its calibration system so the free, advertising-supported, credit score it gives you is now on the 300-850 range, just like your FICO score. It’s still not your FICO score, but it does make the approximation, based on TransUnion data, more relevant. If you’re do some major money moves, like getting a mortgage, you would still want to pay for the FICO score for total accuracy, but if you just want a general sense of how you’re doing, CreditKarma.com is a great way to do it for free.