A reader asks…

How can so many be so ignorant about something so important? Do ppl acutally think that that the gov’t is going to give them 800 bucks; do they not realize that they have to pay it back on next years income tax? Or at least have that deducted from their refund. How can so many fall for the Payday loan scams? How did so many get into ARM mortgages? Why don’t ppl educate themselves about personal finance?

When people find themselves at the bottom of the class in the credit score department they instantly start looking for good ways to improve their position. What many may not realize is that they can have items that should not appear on their credit report removed on their own. In most cases negative information that is not true can be removed simply by notifying the credit reporting agency, along with proof of the misinformation and it will be removed. However,

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