Credit reports are tools that different institutions use to assess how you have handled your previous credit obligations and determine your creditworthiness.  The three main players in the credit reporting business are Transunion, Experian and Atlanta’s own Equifax.  It is important and your responsibility for you to obtain and review your credit reports for accuracy.  Not only are credit reports used by potential lenders, but also by service providers (like cell phone and insurance companies), authorized parties (utility companies) and potential employers. Your Credit Report Your credit …

According to the Department of Energy, the United States’ gasoline consumption may have peaked in 2007.  Changing demographics and better fuel efficiency may be the two main reasons for increasing demand.  Then why the heck has prices at the pump been bouncing between $3.50 and $4.00 a gallon for the last couple months?  The answer is based on two factors of supply and demand.  The first supply factor is the price of oil, even though U.S. consumption is decreasing, the world demand is spiking, being led by the Chinese and Indian markets.  Oil forecasters expect the price of crude oil to …