Where can I get an annual free credit report? Thanks. Myra, Pineville, NC

U.S. households are ahead of the other major industrial nations in shedding debts.

The billionaire will match the contributions made by Rep. Scott Rigell to pay down the national debt. But he's still waiting for Senate Minority Leader Mitch McConnell to make a contribution.

Sad to say, the 19th and early 20th century notion of the democratization of savings became the late 20th century idea of the democratization of credit. It's time to change the focus of public policy.

My mortgage is down to $27,000, which I can pay off after topping off my cash reserve (1 year of expenses). Is there any reason not to do this? My interest rate is 4 3/8 percent. I'm getting about 1 percent in my money market account. I have no other debt, and my 401(k) and IRA are maxed out. Ken, Portland, OR

As the cost of an education rises and students borrow to cover the costs, lenders worry about recouping funds.