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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...
Rawpixel/Getty Images The journey to improving your credit score is a marathon, not a sprint. An excellent score can help you qualify for low-interest loans and premium rewards credit cards, but the process takes time. You can get started by checking your credit score to see where you...
A monitor displays Equifax Inc. signage on the floor of the New York Stock Exchange (NYSE) in New York on Friday. Bloomberg/Getty Images Nearly half of all Americans may have had their personal data exposed in the Equifax data breach. Now what? It’s time to consider what to...