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Personal Finance

Credit Cards and Credit Worthiness

NerdWallet provides unbiased, quantitative comparisons and analysis of hundreds of credit cards and their features.

Residents of New Jersey are entitled to Get Your Free Credit Report each year from the major credit bureaus:

Residents of other states can contact these sources of free reports:

Your credit worthiness also depends on a FICO score from Fair Isaac Corporation. Check out the advice from

Borrowing for a Home or Car

For tips on buying a house, browse the resources offered by the Home Buying Institute. For tips and information on various types of mortgage loans, consult My Mortgage Insider. will provide the latest average rates (both national and local) for Mortgages, Refinancing, Home Equity Loans and Auto Loans. Other sources for mortgage and refinancing rates are ERATE and MortgageMarvel.

Historical Mortgage Rates compiled by HSH Associates include average monthly fixed and adjustable mortgage interest rates back to 1983. You can also see a chart for Historical Mortgage Interest Rates back to 1974.

How much car or house can you afford? Should you refinance? Should you buy or lease your next car? What's the difference between fixed and adjustable rate? For these and many other questions, consult's Calculators Home Page.

How much will your monthly payments be? Use this loan Amortization Calculator to find out.

And if you already have a home, you might want to investigate reverse mortgages: consult as well as the National Reverse Mortgage Lenders Association.


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