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what: a new web site that features a variety of information on how to manage credit and debt.

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The best parts: You can get a copy of your credit report online. And the Credit Alert Test lets you measure how well you're managing credit or if you're headed for trouble.

If you need help, you can browse through a directory of credit counselors.

The site also offers tips on borrowing, making payments, managing your budget, and links to numerous consumer Web sites.

What you should know: It costs $8 to get a copy of your basic credit report and $29.95 for a merged report from the three major agencies. But you can browse through directories, tip sheets, and Q&A pages for free.

The not-for-profit site was founded by 12 organizations - including Mastercard, Visa, and Bank of America - as an educational resource to help consumers manage credit and debt.

How to get there: Give us some credit. Link via Work & Money's Web page:

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