When most people think of credit scores, they’re thinking of FICO. FICO stands for Fair Isaac Corporation and refers to the algorithm they use to calculate your credit risk and credit worthiness. There are three credit bureaus collecting your credit information (Equifax, Experian, TransUnion) and your FICO score is calculated using that information with Fair Isaac’s proprietary equation.

LuggageGuy.com cuts up to 80% off select luggage during its current sale. Shipping starts at $4.95 or get free shipping on orders of $99 or more. Even with shipping, nearly every style is at lowest-we-could-find prices. Brands on sale include Pierre Cardin and Liz Claiborne.

Kohl’s cuts 60% to 80% off select items during its Gold Star Clearance Sale. Plus, apply coupon codes “GR8THINGS” and “THISIS4FREE” to take an extra 20% off and get free shipping too. Combined, that’s the best clearance discount we’ve seen from Kohl’s this year. Sales tax is added where applicable.

Orange Grove Texts Plus, an imprint of University Press of Florida, offers free PDF downloads of its college-level textbooks. These open access textbooks are available with nonrestrictive licenses to download or print. (Bound versions can also be purchased at 40% to 50% off list prices.) Available subjects include music, mathematics, literature, computer science, and more.

Victoria’s Secret takes 25% off a single clothing item or pair of shoes via coupon code “SECRET25″.  (Discount is applied to the most expensive item in-cart.) It’s among the best percent-off coupons we’ve seen from this merchant in several weeks. Shipping starts at $5.99 and sales tax is added where applicable. Coupon ends September 25.

Ties.com slashes up to 96% off select items in its clearance section. (Click on “clearance” on the left to find these deals.) That’s one of the best discounts we’ve seen from this merchant, which sells ties, cufflinks, storage racks, wallets, and more. Shipping adds $4.98.

According to the Financial Times citing research by Moebs Services, banks are on track to earn $38.5 billion in overdraft fees this year and a large portion of the revenue is likely to come from the most financially stretched consumers. The research also showed that many banks have increased charges on overdrafts and credit cards in order to boost [...]

Gates offers its free Serpentine Belt Wear Guage after filling out a short form. The gauge will allow you to assess wear on a multi-ribbed serpentine belt – either on the engine or off. Limit one gauge per person.
Click on the “Free Belt Wear Gauge” graphic on the right to find it.

Lands’ End takes up to 65% off overstock apparel and accessories during its latest clearance sale. Plus, promotion code “SEPT22″ and PIN “2110″ get you free shipping. Combined, that’s the best discount we’ve seen on these items from Lands’ End in recent months. Sales tax is added where applicable. Coupon ends September 24.

Myth #1: There’s only one credit score.
Truth: You have 3 credit scores, you have to care about all 3 (i.e. Experian, Equifax and TransUnion).