A lot of younger folks i've talked to have no idea what credit is, its long term repercussions (in keeping it good), and how to start on the road without getting ripped off. They simply take all the offers they get, and many poor ones, roll with them, and i've seen many friends stumble on their butts when they are raped by charges, late fees, and poor customer service. Perhaps you can recommend an awesome faq, or be interested in writing one. The benefits of this board are great, but i don't think the faq's to the left, are very real world, in talk newbies might understand and updated with the newest information we learn daily. I spend a lot of time discussing things from experience and from the board here, over and over to friends and colleagues, im by no means an expert. Since this board is such a precious resource, perhaps we should organize the knowledge into a more permanent FAQ or something, rather than letting the information roll off into oblivion? Anyone interested?