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How Having No Credit Score Can Negatively Impact Your Finances
If you aren’t planning to borrow, it seems like it might be pointless to worry about building up your credit profile. After all, if you don’t have a credit score, it doesn’t matter if you aren’t going...
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Which credit card makes sense for you?
I’m sure you’re like me, you probably get tons of credit card offers in the mail. Sometimes they hit me in waves, usually four or five “pre-approved” or bonus offers hitting my mailbox all at once. And...
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Help! My Identity Has Been Stolen!
“This message is for Maureen Fulton. Ms. Fulton, I’m calling from Macy’s and I suspect that you have been a victim of identity fraud. Please call me at your earliest convenience.” When Maureen Fulton...
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The Best Way to Build Credit If You Have a Thin File
The biggest irony about credit? You need credit to build credit. If you have little or no credit history (also known as having a thin file), you may have had a difficult time building up your credit....
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What is Excellent Credit?
One of the realities of finances is that many lenders and other financial product and service providers want to know your credit score. Your credit score is essentially a summary of how you handle your...
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How the Length of Your Credit History Impacts Your Credit Score
When you think of your credit score, chances are that you focus on items like payment history and credit utilization. While these are the two most important aspects of your credit score, there are...
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Don’t let someone else ruin your credit
Your credit history is a major part of your financial life. Even if you don’t think that you will borrow money anytime soon, the information in your credit report can influence your auto insurance...
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Reasons a non-borrower needs good credit
If you don’t intended to borrow money, you don’t need good credit, right? What does it matter if a credit agency views you as “unscoreable” if you aren’t going to apply for credit anyway? While this...
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How to use consumer credit sites to keep tabs on your finances
One of the best things you can do for your long-term financial situation is to keep tabs on your finances. It’s easy to become complacent, forgetting to make sure you are getting the best deals and...
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How a traffic ticket costs more than you think
It’s never fun to get a traffic ticket, especially if it’s a moving violation (like a speeding ticket). The most obvious cost of your traffic ticket is that you usually have to pay a fine. Depending on...
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Avoid the pitfalls of rewards credit cards
Rewards credit cards are so popular because they offer you the chance to receive benefits from spending money. Your spending could mean cash back, free airfare, or any number of other rewards. While...
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Your Kid Needs Good Credit In College
Jenny Beres writes for LendULink, which is on a mission to decrease the out of pocket cost of college. LendULink offers a free college savings program for parents of high school students with the added...
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How late payments affect your credit
We’re all guilty of forgetting to pay a bill on time, or stuck in a situation where the funds just aren’t available. What are the true effects of paying a bill late, and how does it really affect our...
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4 weird reasons your credit score is low
It can be frustrating to find yourself with a low credit score. If you’ve been using credit responsibly, it can be quite shocking to look at your score one day and see that it’s not as good as hoped....
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3 Unexpected Ways Your Credit Affects You
Dave Ramsey may say a credit score isn’t necessary, but that seems to apply only if you’re independently wealthy and will never need a loan. For the rest of us, a credit score is one of the most...
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4 Rules for Building Credit Fast But Responsibly
Good credit has lots of benefits. It can help you get the mortgage you need to buy your dream home, or save you hundreds of dollars on insurance premiums. On the flip side, if you have poor credit...
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A Guide to Building Credit for Young People
High schoolers have many opportunities to begin learning how to manage money. They likely will have part-time jobs, and, therefore, the money to begin to spend and save. Many teens also have vehicles...
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How to build credit when you don’t have a regular income
Credit is one of those things that we feel that we need to develop if we expect to succeed financially over any period of time. However, building credit can be difficult when your income is irregular....
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How to Build Credit Responsibly Without Using Debt
Not everyone wants to utilize debt as a way to build credit responsibly, but most advice available on building credit relates to taking out a loan, or using credit cards to prove good payment history....
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What you need to know about your child’s credit report
You know that you need to teach your child about finances early on. But while you teaching your child the importance of budgeting and saving up for goals, chances are that your child’s credit report...
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