Understanding FICO & Beacon & Empirica Ratings

What's the difference between FICO, FICOII, Credit Beacon Ratings and Empirica Ratings? FICO is an acronym that stands for Fair Isaac Corporation - it's the standard by which credit ratings are calculated. All of the others are the way that each of the Big Three credit reporting agencies apply the FICO calculations. Each is slightly different - learn more in Equifax Credit Beacon Scores vs. Empirica Scores and FICO II.

Get Credit Repair Help

Looking for someone to help you repair your credit? Maybe you should be looking in the mirror! Credit repair is easy and free if you do it yourself. If you use a credit repair service, it may be costly... or even a scam. Check this out before you make your decision:

Credit Report Repair Services - Who Can You Trust To Fix Your Credit?

Many credit report repair services are actually credit repair scams. Who can you trust to fix your credit score without scamming you out of cash?

Looking for Work as a Freelance Writer?

Are you looking for work as a freelance writer? Try Suite101, Examiner, About.com or Demand Studios! Looking for more information? Read Freelance Writing Jobs That Pay.

Sign up for Examiner here: Having trouble with the application? Leave a comment for application success tips!

Sign up for Constant Content here: Having trouble getting an article approved? Leave a comment & get personalized help!

Fun Online Word Games for Kids!

Looking for something for the kids to do this summer? Keep them out of the heat and out of trouble with these fun online word games for kids.

From the article, by Jace Shoemaker-Galloway
"Learn the alphabet and how to spell with the following educational online word games and brain games for children that are child-safe, fun and free."

Save Money with Cloth Diapers

Looking for another way to save money? Cloth diapering (if you have a baby or toddler that is not yet potty-trained) is great for the environment, and will save a ton of cash. There is an intial investment, when you buy all the cloth diapers & diaper covers, but then that's it! Just invest in some Fuzzi Bunz or Bummis diapers (Or Kushis or BumGenius) and then use them.. and use them.. and use them.. No more late-night rush to the store for a pack of diapers- as long as you're doing laundry, you have a never-ending supply.
Don't want the hassle of doing all that laundry, or need something for trips out of the house? Try the gDiaper - these space-age diapers are flushable!