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Anyone who has been online recently has seen the umpteen offers for free credit scores cluttering the Internet. They all promise to be free and quick and easy, which is probably true. The only problem is, there are multiple credit score systems out there, but only one that lenders really care about, and that is your FICO score. One of these less-used scoring systems is the new PLUS credit score system. This new credit score system is legitimate, however, this system is new and not fully adopted by lenders. People who rely on this new credit score system are doing so at their own risk because the score may not be accepted. If you rely on your PLUS credit score you could be in for some serious surprises when it comes time to take out a loan.

The PLUS score is issued by the Experian Corporation, one of the three big credit bureaus that monitor and evaluate all of Americans' debt and loan repayment activity. The PLUS credit score system was designed to rival the FICO system, but it has not been embraced as the industry standard. The PLUS system uses different criteria for evaluating your credit report and then generat your credit score.

Before you pay any credit monitoring website to see your credit score, look to see which credit scoring system they're using. If it is any other names than FICO, be aware that that credit score may not be accepted by lenders. You can also confirmed with the lender to see whether they will accept the non FICO score as well - especially if you do find a monitoring credit service that you like that have good discounts.

For more information about credit in general check out Go Banking Rates.

Having bad credit can be a Catch-22.

In order to improve your credit score, you need to get more credit to show how responsible you can be, but no one wants to give you anymore credit because of your lackluster history. This can be especially trying for those who need to secure an auto loan quote despite their bad credit history.

In order to avoid overpaying, people with bad credit need to secure an auto loan quote before stepping foot into any dealership. By taking the proactive measure of researching your auto loan quote options before car-shopping, you are making sure you can locate the best auto loan quote regardless of your bad credit.

It is important for people with bad credit to comparison-shop for their auto loan quotes because your interest rate fluctuates from lender to lender. Some lenders don't even check your credit history, but they can charge higher rates to offset their risks.

If you are currently in the market to buy a new car and need to secure an auto loan quote despite your credit history, Go Banking Rates can help. We will find the best auto loan quotes online so you can focus your energy elsewhere.

Here is a recap of important finance news from around the world.

Summary : Overall mixed signals from the economy, another major bank fails, more AIG jobs are cut, some Asian and European countries are pulling out of the recession and the health care reform is still a mess.

Hong Kong Pulls Out...

At Wilshire State Bank they're offering a savings account rate at 4.34% APY . This savings account rate is part of their Rainbow savings account, which is a savings installment plan so that you can set aside any fix dollar amount they want each month. The bank's main location is in Los Angeles,...

Maryland - locals only. Cecil Bank is offering a CD account rate of 2.40% APY for a 12 month term . Here are some other rates they offer as of today:

• 2.00% APY CD for 9 month term
• 2.50% APY CD for 24 month term

Here are some important details to consider when opening a CD with Cecil Bank:

• ...

The National Average CD Rates for Short Term Certificate of Deposits Have Gone Down.

Current Best CD Rate for 3 Months:
As of the week ending on August 14, 2009, the average cd rate for 3-month certificate of deposits has decreased and is now at 0.0684 percent. The prior week, the average cd...

Campus Federal Bank is offering a 4.25% APY FREE Checking account called the Lagniappe Checking . This great checking account rate offer is for locals only living in Louisiana . The bank's branches are located in: Baton Rouge, New Orleans, and Shreveport. Local consumers can earn 4.25% APY for...

Buying a new car is a rite of passage that everyone should experience at least once. The thrill of owning something that is yours alone coupled with the new car smell can be intoxicating! If you are about to take that leap into new car ownership, there are certain steps you can take to help...

Umbrella Bank is offering some competitive money market account rates. Here are their rates as of today:

• 1.35% APY with deposits of <$1,000
• 1.35% APY with deposits of $1,000-$4,999
• 1.35% APY with deposits of $5,000-$9,999
• 1.35% APY with deposits of $10,000-$24,999
• 1.35% APY with deposits of...

One Georgia Bank is offering a 2.75% APY savings account rate for their savings account called the One Georgia Relationship Savings . This is available to both new and existing customers who deposit new money into the One Georgia Relationship Savings Account. In order to benefit from this offer...