What Is Your State of Credit? – Report from Experian

experian logoPeople have different credit scores, depending on how they manage their money. But did you know that credit ratings vary dramatically from city to city?

That is the conclusion reached in a new report from Experian, one of the largest credit agencies. They took a sampling of their VantageScores and issued a report indicating the cities where people have the best, and worst credit. Their results may surprise you.

Cities with the Best & Worst Credit Scores

It turns out that Wausau, a city of 36,000 in central Wisconsin, has the highest average VantageScore in the United States at 789. In fact, the Midwest was over represented, with eight cities in the nationwide top 10.

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5 Best Rewards Credit Card Sign-Up Bonus Offers, Deals & Promotions

credit card handsBanks continue to compete against each other in an effort to attract customers with the best credit scores. In fact, credit card companies use sign-up bonuses to entice you to apply for their credit cards. A sign-up bonus consists of points or miles awarded after the first purchase, or awarded after a modest amount of spending in the first three months after signing up for the card.

The most notable sign-up bonuses in the past that are now expired include Capital One’s “Match My Miles” giveaway, which awarded up to $1,000 in statement credits to cardholders, and Chase’s British Airway’s Visa, which offered a generous 100,000 points sign-up bonus.

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Way2Save Review – Savings Account from Wachovia & Wells Fargo

wells fargo wachovia way2saveThere is nothing inherently wrong with the idea of a savings account, yet extremely low interest rates make them very unattractive. With rates hovering at around 1%, any money  you put into a savings account will be only be growing at the most glacial rate.

The other problem with savings accounts is that they are usually dependent on your own resolve when it comes to actually putting money away. The Way2Save program from Wachovia/Wells Fargo is an attempt to address these two weakness that affect traditional savings accounts.

Key Features

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Payoff.com Review – A Financial Tool to Help Fund Your Dreams

payoff logoOur financial lives comprise a patchwork of bank accounts, credit cards, and loans that are administered from a variety of institutions. Juggling all of this information is merely a challenge for those lucky few who are content with their finances, but gaining a clear picture is essential for those who are working towards long-term financial goals such as retiring their debt.

Several companies have stepped in to fill this void by harnessing the power of the Internet to aggregate users’ data in one place. Payoff.com is one of the latest to enter this market. It hopes to distinguish itself from its competitors by offering users social and financial incentives to meet their goals.

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How to Get Free Flights and Travel for Free

woman airplane ticketThe prospect of free travel is so alluring that an entire industry has sprung up around collecting frequent flyer miles. Hotels, rental car agencies, and of course credit cards all offer enticing programs.

While many people enjoy exploiting these programs to their fullest potential, plenty of people become disaffected with mileage programs due to their complexity and constant devaluation.

If you’re one of these disillusioned people, get ready to turn your perspective around. You can learn to earn free travel both with and without using points and miles.

Flying for Free without Frequent Flyer Miles

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How to Build a Home Movie Theater Room on a Budget

movie room basementBack when I lived in a high-rise condominium, I had a simple television and a decent sound system – nothing special. After I got married, my wife and I moved to a single-family home and wanted to take the opportunity to create a truly remarkable media room in our basement.

We ended up spending plenty of money renovating our seventy-year-old house, so we had very little left over for a state-of-the-art movie room. Despite the tight budget, we built an incredible entertainment center.

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Carbonite Review & Offer Code – Online Computer Backup Worth It?

This post brought to you by Carbonite. All opinions are 100% mine.

carboniteAny Star Wars fan can vividly remember the scene in The Empire Strikes Back when Han Solo is “frozen in carbonite” for his delivery to Jabba the Hutt.

The mythical substance is also the namesake of an innovative online backup service that stores the important contents of your computer in the event that it is lost, stolen, or damaged.

How Carbonite Works

Users start by downloading an application that scans the irreplaceable files on your computer. Those files are then sent over the Internet to the servers hosted by Carbonite. As you continue to create, receive, and modify files, Carbonite will continuously update them in the background.

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Sprint Total Equipment Protection Review – Phone Insurance App

This post brought to you by Sprint. All opinions are 100% mine.

sprint total equipment protectionWhile it is thrilling to whip out your new smartphone and gain access to a world of information, that exhilaration can be replaced with a terrible, sinking feeling when your phone is damaged or lost. Mobile service providers sell insurance plans to allow their customers to receive a new phone in the event of loss, damage, or theft.

Sprint now offers the Sprint Total Equipment Protection App to Sprint and Nextel customers. The plan goes beyond a simple replacement policy, by developing a useful application that can assist you if something happens to your phone. The coverage is optional and can be canceled at any time.

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Cardpool Review – Exchange Gift Cards Online

cardpool gift cardGift cards have become a second currency in the United States. From local stores to large international corporations, nearly every merchant offers gift cards.

Many stores offer customers gift cards for refunds in lieu of cash. Most gift cards can only be used at specific merchants, so a thriving market exists for the sale and trade of unwanted gift cards.

Cardpool buys and sells gift cards, helping consumers to maximize utilization of the cards.

How Cardpool Works

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  • Cardpool Is Both Buyer & Seller. As a broker, Cardpool essentially serves as both the buyer and seller of your gift cards.

Comcast Xfinity vs. Verizon FiOS Review

tv and internet mediaAs a residential customer, you used to be lucky just to have access to broadband Internet access from any one provider. Now, many households can choose from a few different companies.

Two of the largest providers are Comcast, which now brands its services as Xfinity, and Verizon, which uses a product called FiOS. Both companies offer bundles that provide television programming, Internet access, and residential telephone services – the more services you purchase, the more of a discount they’ll give.

At first glance, both services may seem pretty much the same, even though each company touts its advantages as significantly better than the other’s. So which company truly offers the better deal for cable customers?

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