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General Disclaimer

We take careful time and consideration in making sure the information contained herein is as accurate as possible to the best of our understanding. However, the information on this website is not intended to be legal advice and we assume no responsibility for the use and outcome of the information contained herein. The content herein is for entertainment and is not professional advice.

You may need to consult an attorney for legal advice on subjects and issues covered on this website. We are not attorneys, bankers or credit card issuers. We do think it is imperative consumers are informed as much as possible and this is just one avenue to distribute useful information. But, before you rely on any of the information contained on this website, we strongly urge you to seek as many resources as possible. The content on this website pertains to consumer credit in the United States only and is not intended for consumer credit in other nations.

Advertiser Disclaimer

This site may be compensated from affiliates and advertisers but not for our opinions and views on those featured products & services. We only promote those products or services that have been thoroughly researched in order to deliver the best value to you. Rates and offers from advertisers may change without notice. All financial products and services are presented without warranty. In using this site, you agree to the terms of service and privacy policies.

Adsense Disclaimer

This website uses Google Adsense, a Web-advertising-service of Google Inc., United States (“Google”). Google Adsense uses “cookies” (text files) that are stored on your computer and allows an analysis of the use of this website by you. Google Adsense also uses so-called “Web Beacons” (small invisible images) to gather information. Through the use of Web beacons simple actions such as the visitor traffic to the website can be recorded and collected. The information generated by the cookie and/or Web Beacon is information about your use of this site (Url), including your IP address and will be transferred to a Google server in the U.S. and stored there. Google will use this information to evaluate your use of the site in order to show and compile reports on website activity and ads for website operators and providing other services with website and internet related services. Google may also transfer this information to third parties where this is required by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. By using this site you agree to the processing of data about you by Google in the manner described, and agree to the aforementioned purpose.

Google Analytics

This website uses Google Analytics software to analyze its website traffic and explicitly refers its users to the following Google data privacy statement: “This website uses Google Analytics, a web analytics service provided by Google, Inc. (‘Google'). Google Analytics uses ‘cookies', which are text files placed on your computer, to help the website analyze how visitors use the site. The information generated by the cookie about your use of this website will generally be transmitted to and stored by, Google on a server in the USA. If IP anonymization (‘masking') has been activated on this website, however, and you are located in a member state of the European Union or in another state that is a party to the European Economic Area (EEA) Agreement, your IP address will first be abbreviated by Google, the full IP address only being transmitted to a Google server in the USA in exceptional cases before being abbreviated there. Google will use this information on behalf of the operator of this website for the purpose of evaluating your use of the website, compiling reports on website activity and providing the website operator with other services relating to website activity and internet usage. The IP address transmitted from your browser by Google Analytics will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser; however, please note that if you do this you may not be able to use the full functionality of this website. Moreover, you can prevent the data which the cookie generates on your use of the website (incl. your IP address) from being acquired and processed by Google, by downloading and installing the Opt-out Browser Add-on from the following link:

Other Resources

The Federal Trade Commission offers a ton of helpful information for consumers regarding consumer protection. Among the information regarding credit is comprehensive insight and opinion letters on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. They work to prevent fraud, deception, and unfair business practices in the marketplace.

As always we appreciate your visit.

Lisa Phillips

updated: April 10, 2023