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Don't count on inactive credit accounts for a top credit score.
Effect of CARD Act on Students
Anyone under 21 must have a co-signer to open an account.
Vital information about your credit record
What goes on it, and how long does it stay?
Raise Your Credit Score: a DIY Guide
Find out what steps you can take today.
Reverse Mortgage Loans: Identifying Scams and Shortcuts
This could be right for you, but you'd better be sure. Get the right information from trusted sources or risk losing your home to scammers.
Refinancing with Government Help
Do you qualify for lower monthly mortgage payments?
Studying Emergency Student Loans
Emergency assistance may be available, but it is temporary and based on need.
A Review of Debt Management Credit Counseling Corporation
A simple review of a community nonprofit organization.
Good Deal... Great Deal? Leasing Vs. Buying
You might purchase at the end of your lease period, but that's the depreciated value after you already paid your lease (AKA a rip-off).
Thinking about a debt reduction negotiation?
If you've been running up a tab since the holiday season, now might be the right time.
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David Pilley


David Pilley is a May 2010 graduate of the University of North Carolina at Chapel Hill, with a B.A. in communication studies and a creative writing minor. He is a native of Raleigh, North Carolina.

He played clarinet for the Marching Tar Heels in 2005 and 2006. He also volunteered for STV, the student-run television station at UNC-Chapel Hill, in the spring of 2010. He shot video, wrote scripts, and acted for “Off the Cuff,” UNC’s longest running sketch comedy show. He has the rare distinction of having lived in a dorm all four years of his undergraduate college career. He was also on Franklin Street on the night of April 4, 2009. His future plans are to pursue a master’s degree in journalism and to one day work for the media as a sports journalist or broadcaster.

Being one of eight children, David realizes finance is an important topic to everyone, regardless of his/her knowledge of the subject. His interests are in personal finance, budgeting, and savings.

In his spare time, David enjoys watching sports and standup comedy, as well as doing crossword puzzles and writing in the first person. He also thoroughly enjoys trivia and, one day, hopes to participate on the game show Jeopardy!, where he will try to break Ken Jennings’ 74-game win streak.
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