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It’s rare for inflation to remain tame during periods of historically low unemployment, but according to Fed Chairman Jerome Powell’s congressional testimony, inflation remains below the Fed’s 2% target. Experts believe this likely means the Fed is considering a move to cut the rate that determines mortgage interest rates for home buyers. This is great […]

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Having a solid credit score means more today than ever. Few people can pay cash for major purchases, such as homes, vehicles and post-secondary education. Households with poor credit pay far more in interest every month, a situation that often traps them in debt. To avoid this, boosting your score is essential. People with good […]

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According to Fed Chairman Jerome Powell’s congressional testimony, inflation remains below the Fed’s 2% target, and has indicated the Fed is considering cutting interest rates. This is excellent news if you have a mortgage. It means a lower rate may be possible through a refinance. Even more importantly, it means that housing prices still have […]

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A Federal Trade Commission (FTC) investigation has concluded that credit repair company Grand Teton Professionals, operating under various websites, like TopTradelines.com, encroached on consumer rights. The FTC took harsh and decisive action against this company and its ownership, to include shutting down their websites and freezing their bank accounts. Credit repair companies work to boost […]

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Your credit score is a number usually between 350 and 850 designed to help lenders predict the likelihood you will repay future debt obligations based on the performance of previous and current loans. It is a complicated but vital aspect of your financial health and the mechanism whereby lenders will decide whether to approve your […]

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Maintaining a positive credit history can lead to credit approvals for mortgages, apartments, loans and better insurance rates. However, many people get off to a rocky financial start and may experience turbulence in their financial lives that directly affects their credit standing. It is critical for these people to take a proactive approach to repairing […]

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What Is My Real Credit Score?

Now more than ever consumers are proactively monitoring their credit. Not only can you easily get a copy of your credit report on the internet, you can also view your credit score. Companies like Credit Karma, MyFICO.com and Experian.com make it easy to access that information so you can take the necessary steps to improve […]

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Is it Worse to Max Out Your Credit Cards or Pay Late? A while back we were playing with a credit score simulator on CreditKarma.com and found some interesting things regarding maxing out credit cards versus paying a credit card late. What Happens to My Credit Score if I Miss a Credit Card Payment? First, […]

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This article attempts to explain what a credit utilization ratio is and why it is so important to an individual's credit score.

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How to Boost Your Credit Score Quickly and for Free One of the best ways to quickly boost a credit score is to become an authorized user on another person’s credit card. By piggybacking on the account of someone else who has a credit card with impeccable history, the person can benefit from the high […]

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