Kathy Jo Pollack, MA, ACC, BCC

Professional Life Coach, Motivational Speaker & Trainer

Focusing on Your Success

Specializing in Finance | Relationships | Etiquette | Confidence

Certifications & Memberships

Life Coach Certification from Coach Training Alliance

Online Networks

Kathy Jo Pollack
Independent Sales Consultant

My Articles and Links



Products & Resources

Personal Finance

Identity Theft - Free info & links

Equifax Breach 2017:

Identity Theft - General Information

Inspiration & Motivation

Life - Balance - Stress




Important Links

  • AnnualCreditReport.com is the official site to help consumers to obtain their free credit report. This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. Or call 1-877-322-8228.
  • Bankrate.com provides news, tips and advice to compare mortgage rates, home equity loans, CDs, car loans, credit cards and money market accounts.
  • CardTrak has provided millions of consumers with timely information on credit cards and other payment cards since 1986. It features many tools and financial calculators including a Credit Card Calculator to calculate how long it will take you to pay off credit card debt.
  • ChexSystems is comprised of member financial institutions that regularly contribute information on closed checking and savings accounts. ChexSystems shares this information among its member institutions to help them assess the risk of opening new accounts. Use this link to order your free financial report.
  • Consumer Financial Protection Bureau (CFPB) CFPB's mission is to make markets for consumer financial products and services work for Americans. They supervise banks, credit unions & other financial companies, and enforce federal consumer financial laws.
  • Credit Card Insider is your resource for unbiased consumer and commercial lending options. We are advocates of the responsible use of credit, building and managing your credit history, and making informed decisions when selecting a credit card.
  • Credit Cards vs Debit Cards: Know Your Rights. The Privacy Rights Clearinghouse is pleased to announce the release of the fourth short film in a six-part series. The film, Credit Cards vs. Debit Cards: Know Your Rights, demonstrates the risks in using a debit card.
  • Credit Karma provides consumers with a FREE credit score. Use this service to track your score and stay informed.
  • Credit Unions - a Smart Choice. Find a credit union and learn more!
  • Federal Trade Commission (FTC), created in 1914, is the nation's consumer protection agency. It deals with issues that touch the economic lives of most Americans. Visit this website for practical information on a variety of consumer topics including credit reports, financial issues, identity theft, and the National Do Not Call Registry.
  • Identity Theft IQ Test - Are You at Risk for Identity Theft? Test Your "Identity Quotient".
  • Mint.com offers free online money management and budgeting software. Selected as the "best budgeting site" by Kiplinger's magazine and the best online personal finance tool by Money Magazine.<
  • myFICO.com provides information on credit scoring. A credit score is the number that is formulated based on your credit history helping lenders evaluate your credit risk.
  • National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at this Website. You can register your home or mobile phone for free.You can register online at www.donotcall.gov or call 1-888-382-1222 from the phone you wish to register. Registration does NOT expire.
  • National Foundation for Credit Counseling promotes the national agenda for financially responsible behavior and builds capacity for its Members to deliver the highest quality financial education and counseling services. Call 1-800-388-2227 to speak to a counselor near you.
  • Opt-Out of credit offers. You have a choice about whether you want to receive prescreened offers of credit and insurance. You have two choices: you can opt out for five years or permanently. To Opt-Out for five years call 1-888-567-8688 (1-888-5OPT-OUT). To Opt-Out permanently, visit www.optoutprescreen.com to initiate your request and print the form. The phone number and website are operated by the major consumer reporting companies.
  • Perils and Pitfalls of Online Dating - How to Protect Yourself. The Privacy Rights Clearinghouse has published this consumer guide to inform, educate and protect consumers about online dating.
  • SelfGrowth.com is the most complete guide to information about Self Improvement, Personal Growth and Self Help on the Internet. It is designed to be an organized directory, with articles and references to thousands of other Web Sites on the World Wide Web.
  • Social Security - this is the official Social Security website.
  • Stress-management-4-women.com recognizes that women experience many types of stress in their lives when trying to find a balance between the various roles that they perform. Visit this website to learn and to share the many stress management techniques available.