Your financial status is based purely on habits—spending habits, work habits, and lifestyle expectations. Getting a handle on spending, paying bills on time, and limiting your lifestyle takes a long-term commitment and self-control. It may not always be easy, but the effort will pay off when you see your score improve.

The Community Financial Education Foundation (CFEF) is a non-profit, national financial literacy foundation dedicated to educating Americans on financial responsibility and teaching skills that allow individuals to manage their personal finances and live more effectively.
Access to payday loans and other short-term credit options are under attack by some federal, state and local elected officials. The Consumer Rights Coalition is a group of consumers who are dedicated to making sure payday loans are still available and affordable.