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Are These 6 Things Dragging on Your Credit Score?

by Miranda Marquit April 2, 2012

When we think of what hurts our credit scores, we often focus on missed payments and large amounts of debt. But you might be surprised to discover what else might be weighing on your credit. Remember that, even if you don’t think of it as a loan, or credit, other people that you owe money [...]

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Consumer Behavior Reports: More than Just the Three Major Bureaus

by Miranda Marquit February 17, 2012

There is no doubt that your credit history is an important part of your financial life. It’s fairly common for consumers to understand that the three major credit bureaus — Equifax, TransUnion, and Experian — offer insight into how others view them. You can get a free credit report from each of these bureaus every [...]

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How Much Does a New Mortgage Affect Your Credit Score?

by January 5, 2012

My wife and I bought a house last April, and while we were going through the house buying process, I was curious about the role my credit score would play in getting the mortgage and how it would be affected once we got the mortgage. Of course, I know you need a good credit score [...]

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Improve Your Credit Score without Using Credit Cards

by Miranda Marquit January 4, 2012

It’s true that the fastest way to build credit is to use a credit card. However, many people prefer not to use credit cards. Even if you don’t want to use credit cards, though, your credit score is important. Mortgages and car loans require that you have good credit if you want the best rates. [...]

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Paying Off Your Good Debt Early—Savvy Strategy or Money Mistake?

by Emily Guy Birken December 21, 2011

I hate debt. It’s really that simple for me. I am uncomfortable with the idea of owing money, and so I generally avoid debt as much as possible, and I work to pay off any debt I have as quickly as possible. As of right now, the only debt I carry is my student loan [...]

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VantageScore Credit Score

by December 6, 2011

Consumers understand that the difference between being approved or denied for credit is often based on the magic three numbers that make up their credit score. What some consumers may not know is the fact that there is more than one credit score available for lenders to review. Most people are familiar with the FICO [...]

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Best College Credit Cards and Tips for Wise Use

by November 5, 2011

Many people debate whether or not college students should get credit cards. I don’t believe every student should get a credit card, but I believe that they should consider one if they can use it responsibly. I opened my first credit card while I was in college and used it to help build a strong [...]

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