HearPO

I montly budget using bank of america online.  Its easy, fast, and I dont really have to think about it too much. One of the things I do, which has worked for me, is to use my credit card kinda like a debit card.  I hate carrying cash, and I like getting rewards for things that I need a...

Speaking of credit scores, is there anything to these sites like freecreditreport.com or the like?  I heard that you can hurt your score by checking it too often, but I have also heard that you are allowed to check it twice a year without penalty, so what is the deal?  Where are these peop...