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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 risk by charging you a higher interest rate.   With...
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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 because there is not enough information in a user credit...
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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 2016, compared to $31,273 two decades ago.   More education...
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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 you get credit if you don’t have credit? It’s a...
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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 interest rates when you borrow. And that may mean you...
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