creditscore
There are a lot of good reasons to improve your credit score. It can help you secure an apartment, qualify for a mortgage or car loan, and pay less for home and car insurance. I can also help you negotiate better rates and terms on financed purchases. It may even let you access more valuable rewards and perks that often come with credit cards that are targeted to people with excellent credit. For the first year of the pandemic, some low-income households in the U.S. actually saw credit scores rise. This may have been due to several things. There was an influx of pandemic relief cash authorized...
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There are nearly 50 million consumers in the U.S. without a firm credit score, leaving them financially fragile. Those same people are impacted by a massive IRS backlog of paper 1040s, leading to delayed tax returns. However, a few initiatives could help turn those circumstances around. Even if you generally feel well-to-do, it’s a tough market for buying a home. Or renting an apartment. Or financing a car. To make it even tougher, in order to do those things, you don’t just need capital. You need a good credit score. Lenders need to be able to look at your credit history and remain confident....
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There’s a common misconception that if you check your credit reports from the three nationwide credit bureaus, you’ll also see your credit scores. Unfortunately, that isn’t true. Credit scores are not typically included in credit reports from the three nationwide credit bureaus. However, here are a few things you should know about credit scores before we discuss where you can get them. To begin with, you should know that you have more than one credit score. Essentially, credit scores represent your likelihood of paying your bills on time or your credit risk. What’s more, in order to calculate ...
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Financial success is largely determined by your credit score. After all, having good or excellent credit will lower your interest rates, access perks like rewards, and gives you more negotiating power. And, it can also give you more opportunities to build your credit. What if you have poor credit? Well, for the 16% of Americans with a FICO score 300 to 579, it might be difficult for you to obtain a line of credit, rent an apartment, or even land a job. And, if you are able to get approved, your interest rate will be much higher. It is for these reasons that understanding how to build credit is...
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Have you ever checked your credit score? You’re one of nearly a quarter of Americans who haven’t checked their credit score, according to Javelin Research. It’s no secret that credit scores are confusing and riddled with misinformation. What’s more, credit scores can be lowered by actions you would assume would help them — and the reverse is true as well. Considering this, maybe it would be better if you ignored your score completely. As a measure of your financial health, your credit score is an invaluable tool. With that in mind, if you want to build credit and save some serious dough, here’...
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Although very popular and quickly becoming mainstream, cryptocurrency is something that still seems to confuse many people. Throw in a new financial system made up of FinTech companies that provide crypto loans and other crypto-related services. Then things start getting even more confusing, which is why all efforts to unravel this new technology are essential so everyone can make the best use of it. One of the first questions that come to mind when someone hears or reads the term crypto loan for the first time (other than wondering what it even means) is, will it affect my credit score? This ...
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During a much-needed break from work, I struck up a conversation with a colleague. It started out as your typical workplace conversation, but I could sense that something was weighing on her mind. So, I asked her what was going on. It turns out that while she was reviewing her bills, she spotted a rather distressing fact about her credit card. Like so many of us, she assumed that whenever you use your credit card to make a purchase, interest doesn’t kick in until 30 days later. Nope. The credit card determines when the interest starts. So, for her and using a Chase credit card, it was 21 days....
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