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Debt is a common fact of life in America today. According to a 2015 report from the Pew Charitable Trusts, roughly eight out of ten Americans have debts, with an average of $67,900 per person. The report also found that Americans feel conflicted about their debt. Nearly 70% of respondents said they would rather not...
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Credit Restoration, also referred to as credit repair, is a process of disputing the accuracy or verifiability of account information in your credit reports.   How does Credit Restoration work?  To make you a better customer, credit repair companies often promise to improve your credit in refurn for a fee. These companies typically offer to...
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There are many advantages of having a good credit score, such as enjoying a lower interest rate on your credit cards and loans. A good credit score also allows you to save money on insurance and security deposits on new utilities and cell phone service. Using your credit wisely  is what helps you to maintain a good score.  ...
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You’re giving money away to the banks. Credit scores are used by banks and creditors to assess the likelihood that you will default on a credit card or loan obligation, in other words, this number measures your credit-worthiness. Low credit indicates that you’re a riskier borrower, and creditors and lenders make you pay for this...
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If you simply don’t have a credit scores because you have little experience or history with credit, you likely have a thin credit file. That means you have (if any) credit accounts listed on your credit reports, typically one to four. The file means a bank or lender is unable to calculate a credit score...
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WEALTH ACCUMULATION: MILLENIALS FAR BEHIND BABY BOOMERS A report published by The Peter G. Peterson Foundation compared the median net worth among millennial households who were 25 to 35 years old in 2016 to that of baby boomers who were the same age in 1995. The difference is shocking: median net worth was $18,200 in...
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How to Get a Credit Card With No Credit New to credit? No established credit history? It can often seem impossible to find a lender willing to approve you for your first credit card. Lenders want to see how well you’ve managed credit obligations in the past before they’ll extend new credit, but how do...
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What Is a Hard Inquiry? You may have heard that a hard inquiry can hurt your credit score. But you may not be sure what that means — what is a hard inquiry anyway? Hard inquiries are created when you apply for credit. They can potentially drop your credit scores, which can result in higher...
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What Is a Soft Credit Inquiry? Soft credit inquiries, otherwise known as soft pulls, are not generated by shopping for credit and do not affect your overall credit scores. For example, a lender sending you a preapproved credit offer without you applying is a soft credit inquiry. Checking your own credit score is also a...
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6 Strategic Money Moves Every 20-Something Should Make Although you’re young and have the rest of your life to be responsible with money, there are reasons to get a head start on positive personal finance practices. Don’t wait until your 30s or 40s to get serious about your money. 1. Start Saving for Retirement Starting...
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