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Considered important for us in life especially when someone applies for a loan, insurance- auto, home, or personal, rents an apartment, or applies for a job, is an individual’s credit report, financial information, and financial history. The credit reports usually contain our personal data, credit history, inquiries, public records, and personal statement.

I plan to invest in certificates of deposit. This is similar to savings accounts in that they are insured and thus virtually risk-free. It is different from savings account in that the CD has a specific, fixed term- often three months, six months, or one to five years, and, usually, a fixed interest rate.