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Buying a house these days can seem impossible for individuals with low credit ratings. But if you know where to look, there are choices out there for bad credit home loans. Credit scores between 580 and 669 are fair, while any score below 579 is considered very bad, based on...
Millions of Americans are"credit invisible." They do not have sufficient information in their credit reports to have a credit score. But with a few straightforward steps, it's possible to fix this. Another 19 million are "unscored," meaning that their credit records can't produce a score based on widely used credit...
Rawpixel.com/Getty Images Imagine the following nightmare scenario. You’ve found a house that checks off all your boxes and you’ve decided to buy it. When you meet with a loan officer to apply for a mortgage, you receive some bad news: your credit scores are too low...
@maginnis/Twenty20 Around 10 years ago, give or take a bit, I had a situation happen to me that happens to a lot of people. My debit card was hacked. Fraudsters stole my debit card number; my credit union eventually concluded they swiped the card information by planting...
10’000 Hours/Getty Images The gender pay gap is a term used to describe the fact that, on average, women earn less than men in the United States. In fact, according to PayScale, women make just 79 cents for every dollar men make in 2019. This brings us to...
Hill Street Studios/Getty Images When you check your credit reports, you may notice a section named “public records.” There are many types of public records, but only a few have historically been included on credit reports. If you’re arrested or get divorced, for example, you don’t have...
Spiderstock/Getty Images An increasing share of Americans say they know the three-digit number that influences their ability to land an apartment, buy a car and even finance a smartphone, according to a new survey from Discover Financial Services. Eighty-five percent of U.S. consumers are aware of their...
Hero Images/Getty Images Say you have a credit card you use for all of your expenses. You pay it off in full each month and find that it’s a great way to earn points. The only problem: You’ve paid off your debt and the credit score...
Ezra Bailey/Getty Images Sometimes we spend so much time trying to boost our credit score that we don’t realize that we might be hurting it instead. Your credit score is typically made up of a few different parts, including: Payment history: 35 percent. Amounts owed (or credit utilization): 30...
GCShutter/Getty Images When I was in my mid-20s, my friends used to casually number drop their credit scores over brunch. It always made me cringe. I’d hear people throw out numbers like 820, 805, 795 — big numbers that lenders view as “exceptional” or “very good” FICO...