Abstract: A waterproof, portable storage container for storing financial/legal documents and financial/legal help documents has an upper case molding having a top wall and four sidewalls defining an upper case cavity and a bottom case molding having a bottom wall and four sidewalls defining a bottom case cavity. A financial/legal document retention device is selectively secured to one of the upper case molding and the bottom case molding, for storing financial and legal documents, said financial/legal document retention device having a plurality of folders to store a plurality of classes of documents, and being a generally rectangular accordion-like file folder system wherein each of the folders is moveably flippable. The storage container further includes a computer-readable-medium holder, selectively secured to the bottom case molding, which stores at least one computer-readable medium having encoded thereon financial/legal help documents.

Abstract: A credit product issuer markets a credit product to a targeted group of consumers offering incentives to the targeted group if the consumers improves their management of their financial affairs, e.g., reduces a credit score. A consumer receives an application for the credit card and submits the credit card application to the issuer. The credit card issuer accepts the application for the credit card from the consumer and establishes a consumer account and an initial interest rate. The initial interest rate is based on an initial credit score for the consumer and other consumer credit information. The credit card issuer activates the consumer account. The credit score of the consumer is automatically monitored on a periodic basis and the initial interest rate is adjusted to a new interest rate if the credit score of the consumer has changed.

Abstract: A waterproof, portable storage container for storing financial/legal documents and financial/legal help documents has an upper case molding having a top wall and four sidewalls defining an upper case cavity and a bottom case molding having a bottom wall and four sidewalls defining a bottom case cavity. A financial/legal document retention device is selectively secured to one of the upper case molding and the bottom case molding, for storing financial and legal documents, said financial/legal document retention device having a plurality of folders to store a plurality of classes of documents, and being a generally rectangular accordion-like file folder system wherein each of the folders is moveably flippable. The storage container further includes a computer-readable-medium holder, selectively secured to the bottom case molding, which stores at least one computer-readable medium having encoded thereon financial/legal help documents.