function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_oc(){var tip=new Array();tip[0]="Before you apply for debt help, gather together all your debt records. You'll need information about your balances to get started.";tip[1]="Need money for a short-term crisis? Try an emergency loan that you'll repay in a few weeks. Long-term issue? Try a personal loan instead.";tip[2]="Report your identity theft suspicions to the credit bureaus immediately. Equifax, Experian, and TransUnion can help.";tip[3]="Watch out for identity theft after a divorce. Court records can make sensitive information available to the public and an angry ex could misuse your accounts.";tip[4]="Debt-reduction programs can have a big impact on your credit scores. It's a good idea to check your credit reports regularly.";tip[5]="Tax liens can remain on your credit report indefinitely if left unpaid and can cause major credit score damage.";tip[6]="Is there inaccurate information on your credit reports? Submit a dispute with the credit bureaus to have the item investigated and removed.";tip[7]="It's important to contact your creditors and lenders during a financial crisis. Your financial institutions may be able to offer assistance.";tip[8]="It's a good idea to always keep one credit card on hand for emergencies, such as car repairs, unexpected costs, and medical care.";tip[9]="Wondering what counts as a “bad” credit score? Credit scores below 650 are usually considered subprime and will be charged higher rates.";tip[10]="Emergency payday loans are designed to be repaid within a few weeks. Don't use this kind of loan if you can't afford to pay it back right away.";tip[11]="Public records, such as tax liens, judgments, bankruptcy, foreclosure, and overdue child support payments, can damage your credit scores significantly.";tip[12]="Identity theft victims should always file a police report. This documentation can make it easier to report and resolve the crime.";tip[13]="A home equity loan can be a very cost effective way to borrow. Just be careful: if you can't repay the loan, you could lose your home.";tip[14]="Overwhelmed with monthly debt payments? Consider consolidating your debts into one loan with a low monthly payment.";return tip[randNum(tip.length)]};