function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_cr(){var tip=new Array();tip[0]="There are three different national credit bureaus - Equifax, Experian and TransUnion. It's important to check your credit reports and credit scores with all three.";tip[1]="Wondering what counts as a “good” credit score? In most situations, a credit score above 700 will qualify you for standard rates and deals.";tip[2]="Checking your own credit reports and other credit data online doesn't harm your credit scores. Check your credit as often as you would like without damage!";tip[3]="Secured credit cards are a great choice for establishing credit. These credit cards are easy to open and can help you build your credit history.";tip[4]="Employers, landlords, credit card issuers, insurers, and utility companies all review credit data. Check your credit reports and credit scores before you apply.";tip[5]="Use your credit accounts carefully. Late payments and other negative accounts can remain on your Equifax, Experian, and TransUnion credit reports for 7 to 10 years.";tip[6]="Credit reports and credit scores don't merge together after marriage. Each person's credit history with Equifax, Experian, and TransUnion remain separate.";tip[7]="Credit scores usually range from 300 to 850, with 850 being the best possible score. Check your credit scores to see where you stand.";tip[8]="Your credit score can play a major role in determining your home and auto insurance rates. Check your credit scores online before you apply.";tip[9]="Collection accounts will remain on your credit report for 7 years. This expiration date doesn't change, even if you pay off the debt.";tip[10]="Closing credit accounts doesn't cause the record to be removed from your credit reports. Closed accounts remain on your report for 7 or more years.";tip[11]="Income isn't reported to the credit bureaus. The amount of money you make doesn't appear on your credit reports and doesn't impact your score.";tip[12]="Inquiries are records of official credit report checks. Inquiries appear on your credit reports after you apply for new credit and loan accounts.";tip[13]="Public records, such as tax liens, judgments, bankruptcy, foreclosure and overdue child support payments, can damage your credit scores significantly.";tip[14]="Medical collection information is masked on commercial credit reports for your privacy and to prevent discrimination.";return tip[randNum(tip.length)]};