function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_so(){var tip=new Array();tip[0]="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[1]="Employers, landlords, credit card issuers, insurers, and utility companies all use credit data during applications. Check your credit reports before you apply.";tip[2]="Use your new credit accounts carefully. Late payments and other negatives can remain on your Equifax, Experian, and TransUnion credit reports for 7 to 10 years.";tip[3]="Wondering what counts as a &#8220;good&#8221; credit score? In most cases, a credit score above 700 will qualify you for standard rates and deals.";tip[4]="Student credit cards can be a great way to establish your credit. These cards are designed to accept younger borrowers with no previous credit history.";tip[5]="Consolidating your student loans can help you lock-in a low rate and reduce your monthly payment. You can even get up to $2,000 cash back.";tip[6]="Your credit score can play a major role in determining your auto insurance rates. Check your credit scores online before you apply.";tip[7]="Your income and checking account information is not reported to the credit bureaus and will not appear on your credit reports.";tip[8]="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[9]="Where does the money go? Use our free <a href='/life_stages/marriage_family/Create-a-Family-Budget.jsp' class='w'>spending plan worksheet</a> to calculate your monthly budget and find places to improve.";tip[10]="Keep your identity safe while shopping online. Make sure that the company has a good reputation and has appropriate security.";tip[11]="Want more tips? Sign up for our <a href='/tidbits/subscribe.jsp' class='w'>free newsletter</a>. Receive money tips directly in your inbox each month.";tip[12]="Avoid the temptation to go into credit card debt. Not only is being in debt expensive, but it can also lower your credit scores.";tip[13]="Guard against identity theft by writing &#8220;ASK FOR ID&#8221; on the back of your credit cards. If the cards are stolen, they'll be harder to use.";tip[14]="When choosing passwords, use a combination of numbers, letters, and symbols. Avoid complete words and names that can be easily hacked.";return tip[randNum(tip.length)]};