Markets

How to rent an apartment with not-so-great credit

If you have bad or poor credit, i.e. a score somewhere between 300 and 579, you may have trouble renting an apartment if you live in a city where credit checks are a part of the rental process. There are a few things you can do to rent an apartment […]
How to rent an apartment with not-so-great credit
Markets

What you need to know about your FICO score and how to build good credit

FICO is the numeric credit-scoring system created by the Fair Isaac Corporation; it’s the first and most-used credit-scoring system in the US. All three credit bureaus – Experian, TransUnion, and Equifax – use the FICO system, though other credit-scoring systems exist. Your FICO score may be slightly different at each […]
What you need to know about your FICO score and how to build good credit
Markets

How to read a credit report to find out if you’re in good standing

It’s important to review your credit reports often to check for mistakes, and to do that you need to know how to read a credit report. Credit reports are typically broken down into sections that make them easier to understand, including personal information, open and closed accounts, and collections. You’re […]
How to read a credit report to find out if you’re in good standing
Markets

After a Capital One data breach compromised 100 million card applications, here’s how to check your credit to see if your personal info is being used by someone else

Capital One reported that it was hit with a data breach in late March. The breach affected an estimated 100 million users in the US, and approximately 140,000 customers’ Social Security numbers and 80,000 linked bank account numbers were compromised. The issuer said it will notify affected individuals and make […]
After a Capital One data breach compromised 100 million card applications, here’s how to check your credit to see if your personal info is being used by someone else
Markets

9 signs your spouse is spending more money than you think

Money is a common source of conflict in relationships, especially when one person spends more money than the other thinks. We asked relationship and personal finance experts for signs your spouse is secretly spending more money than you think. Red flags include frequent shopping trips, a decreasing credit score, and […]
9 signs your spouse is spending more money than you think
Markets

How to get your credit report for free

If you’ve ever had a credit card or taken out a loan, you have a credit report. You should never pay to get your credit report. If a website is asking you to pay for your credit report in exchange for personal information, it is probably a fraud. You can […]
How to get your credit report for free
Markets

How to increase your credit score, no matter when or where you start

To increase your credit score, the first thing you’ll want to do is check your credit report and score and flag any inaccuracies that could be negatively influencing your credit. Then, it’s about good habits: creating a system to pay your bills on time, getting a handle on your debt, […]
How to increase your credit score, no matter when or where you start
Markets

4 credit score horror stories that could happen to anyone

A person’s credit score determines the likelihood they will repay debt. Simple mistakes or oversights can sink a credit score. Getting caught up in life events such as the purchase of a new home or going on vacation can make it easy to overlook seemingly minor financial mistakes. Thankfully, all […]
4 credit score horror stories that could happen to anyone
Markets

Here’s exactly what it takes to have an excellent credit score

An excellent credit score is anything above 800, according Fair Isaac Corp.’s FICO model. According to a LendingTree analysis of people with credit scores of at least 801, those with excellent credit have an average of nine open accounts. These borrowers also have a credit limit around $US71,000, a credit […]
Here’s exactly what it takes to have an excellent credit score
Markets

Wall Street and Alexandria Ocasio-Cortez are on the same side for once — they’re piling scepticism onto the credit-ratings firm Equifax

Short-selling positions in the credit agency Equifax have spiked to their highest level since its data-leak scandal in 2017. Rep. Alexandria Ocasio-Cortez has slammed the company as part of what she calls a “dice game” of privatised credit scoring. Part of short-sellers’ motivation may relate to class-action lawsuits resulting from […]
Wall Street and Alexandria Ocasio-Cortez are on the same side for once — they’re piling scepticism onto the credit-ratings firm Equifax
Markets

‘If you get to 700, 750, we’ll cut your mortgage costs a little bit’: JPMorgan is working on ways to reward you for improving your credit score, and it may be the future of consumer finance

JPMorgan CEO Jamie Dimon said in an interview with Business Insider in July that the bank was considering ways to reward customers for boosting their credit score, such as offering rewards points or reducing the rate on a loan. The ideas are part of a larger effort at the firm’s […]
‘If you get to 700, 750, we’ll cut your mortgage costs a little bit’: JPMorgan is working on ways to reward you for improving your credit score, and it may be the future of consumer finance
Markets

How Americans use their credit cards differently across the US

Credit-card debt is at an all-time high in the US, with differences in balances and credit scores across regions. Residents in the Northeast and Upper Midwest generally own more credit cards and have higher credit scores. Southerners, on the other hand, have lower scores and fewer cards. Here’s how people […]
How Americans use their credit cards differently across the US
Markets

How You Can Get Your Credit Score For Free

Keeping tabs on your credit score can be a big help in spotting problems or issues before they become severe. All too often, though, that information comes at a price. Requesting a copy of your FICO credit score can cost up to $US20 each time, according to an article in […]
How You Can Get Your Credit Score For Free
Markets

How To Secure A Great Rental If You Have Bad Credit

Credit scores are crucial — especially when it comes to finding a home. In major metropolitan areas like New York City, the strength of your credit can be a major factor in whether a landlord will rent to you. And not making the cut can be a devastating blow, especially […]
How To Secure A Great Rental If You Have Bad Credit
Markets

3 Financial Predictions For 2014 That Will Be Good For Your Wallet

What will the New Year bring? NerdWalletpredicts it may come with a few changes that will boost your bank account. The personal finance site published a list of upcoming financial trends and policy changes that could shape 2014. We pulled out three predictions that would be good for you and […]
3 Financial Predictions For 2014 That Will Be Good For Your Wallet
Markets

Four Things To Know About The New Credit Score Everyone Is Talking About

[credit provider=”www.shutterstock.com” url=”http://www.shutterstock.com/gallery-530809p1.html#id=94242181&src=dca973816d377eb04e5b835d66f6ed6e-1-83″] Everyone is talking about the new credit score on the block –– VantageScore 3.0. It’s a completely revamped version of the original VantageScore, which is a generic credit scoring model that has been around since 2006. It was launched as a joint effort by the three major credit […]
Four Things To Know About The New Credit Score Everyone Is Talking About
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Here’s How Your Credit Score Is Generated

[credit provider=”artnoose” url=”http://www.flickr.com/photos/artnoose/2263480871/”] Credit Scores: Have you ever wondered how they come up with a three-digit number that can predict whether you’re a good or bad credit risk?Back in the 1980s, a group of credit grantors, Fair Isaac Corporation (FICO) and one of the three national credit bureaus got together […]
Here’s How Your Credit Score Is Generated
Markets

Wipe Errors Off Your Credit Report In 5 Simple Steps

[credit provider=”statigr.am/xjldx” url=”http://statigr.am/p/314590405594680284_11168553″] Credit scores are one of the most important numbers in consumers’ lives. They can mean the difference between renting a home or owning one, and getting a great interest rate on your car loan or walking off the lot with a subprime contract.And yet, the credit reporting […]
Wipe Errors Off Your Credit Report In 5 Simple Steps
Markets

Here’s The Truth Behind 7 Personal Finance Myths

[credit provider=”Instagram” url=”http://instagram.com/p/R5dxIIAGCS/”] Think you’re financially savvy?When it comes to their personal finances, people carry around notions all their lives that may or may not be valid.
Here’s The Truth Behind 7 Personal Finance Myths
Markets

How The Size Of Your Credit Card Payments Impacts Your Credit Scores

[credit provider=””>Daniel Goodman / Business Insider”] Can Paying a Credit Card Bill Weekly Hurt My Score? Everyone knows that paying your bills on time is essential if you want to get — or keep — strong credit scores. But does the size of your payments affect your credit scores? Our […]
How The Size Of Your Credit Card Payments Impacts Your Credit Scores
Markets

How America’s Credit Reporting System Gets Away With 40 Million Mistakes

[credit provider=””40 Million Mistakes: Is your credit report accurate?”” url=”http://www.cbsnews.com/video/watch/?id=50140748n”] Consumer activists were rattled Monday after the FTC released a report on widespread credit reporting errors.According to the agency, as many as one in five consumers have errors on their credit reports that could hinder their ability to apply for […]
How America’s Credit Reporting System Gets Away With 40 Million Mistakes
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Here’s How To Dispute Credit Report Mistakes

[credit provider=”statigr.am/luvfithealth” url=”http://statigr.am/p/189094647498632818_19411370″] The information in your credit reports is what’s used to create your credit scores, so you don’t want to let mistakes on your credit reports potentially throw your credit scores out of whack.An FTC study released today shows that one in five consumers have errors on their credit reports […]
Here’s How To Dispute Credit Report Mistakes
Markets

There Could Be Something Wrong With 42 Million Credit Reports

[preserve] [/preserve] WATCH: Here's How To Track Your Credit Score [credit provider=”Business Insider”] The Federal Trade Commission just released a report on the credit reporting industry that could spell trouble for tens of millions of consumers. When the agency reviewed 1,000 consumers’ credit reports, it found 25 per cent of people […]
There Could Be Something Wrong With 42 Million Credit Reports
Markets

Five Little-Known Ways Credit Lenders Judge You

[credit provider=”Flickr/regokorosi” url=”http://www.flickr.com/photos/korosirego/3937122174/”] I was thrilled to pay off one of two credit cards last fall, and as of last week, I hadn’t touched the thing.Then I got a letter from my bank, announcing a pretty incredible limited time bonus – 5 per cent back on travel-related purchases made by […]
Five Little-Known Ways Credit Lenders Judge You
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Simple Steps To Boost Your Credit Score By 100 Points

[credit provider=”mariachily / Flickr” url=”http://www.flickr.com/photos/mariachily/5250474332/”] If you are preparing to apply for a new credit card or a loan, you’ll want to achieve the highest credit score possible.While FICO cannot provide an exact correlation between individual actions and specific points earned because there are so many variables in each credit […]
Simple Steps To Boost Your Credit Score By 100 Points
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10 Things To Consider Before Getting A New Credit Card In 2013

[credit provider=”Instagram/ericabibi_” url=”http://statigr.am/viewer.php#/detail/330701328408357971_245075490″] It’s time for new beginnings, and perhaps that means a new credit card.Finding a good card — and managing it well — can boost your buying power and credit score. But be careful.
10 Things To Consider Before Getting A New Credit Card In 2013
Markets

There’s A Way To Get Employers To Gloss Over Your Bad Credit

[credit provider=”markusreuter via Instagram” url=”http://instagram.com/p/SYam8ZiU8Y/”] Despite a slowly strengthening economy, job seekers have plenty to worry about these days.Stiff competition and fewer available jobs are holding many Americans back from joining the labour force.
There’s A Way To Get Employers To Gloss Over Your Bad Credit
Markets

The Federal Housing Authority Might Be Fueling The Next Housing Bubble

[credit provider=”Flickr / JefferyTurner” url=”http://www.flickr.com/photos/respres/2539334956/in/photostream/”] As reported by the NYT, a recent study has revealed a pattern of risky lending by the Federal Housing Administration that could trigger a spike in the agency’s foreclosure rates.This comes at a time when the agency’s market share of mortgages remains alarmingly high.
The Federal Housing Authority Might Be Fueling The Next Housing Bubble
Markets

Don’t Get Too Excited About Wells Fargo’s Free Credit Score Offer

[credit provider=”Flickr via prayitno” url=”http://www.flickr.com/photos/[email protected]/4275722518/in/photostream/”] For the next few weeks, Wells Fargo customers can get a free credit score by visiting any bank branch in the U.S.Since credit scores are typically sold by credit reporting agencies separately from reports (which are free once a year), Wells Fargo’s offer is great at face […]
Don’t Get Too Excited About Wells Fargo’s Free Credit Score Offer
Markets

6 Things You Should Know About People With Stellar Credit Scores

[credit provider=”Michael Loccisano/Getty Images”] With the average FICO credit score estimated at 690 (the highest possible score is 850), chances are most Americans wouldn’t mind some advice on how to improve. Of all consumers, just 25 per cent have managed to achieve a score of 785 or higher.
6 Things You Should Know About People With Stellar Credit Scores
Markets

Here’s Why You Won’t Get Those Advertised Rates On Your Mortgage

[credit provider=”John Moore/Getty Images” url=”http://www.gettyimages.com/detail/news-photo/tracy-munch-looks-over-an-album-of-familiy-photos-after-an-news-photo/84590743#”] It’s not uncommon for borrowers to ask: “Why can’t I get the interest rates I see advertised on the Internet?”One of the most important characteristics of securing a mortgage is your FICO score. Simply put, the lower the credit score, the higher the interest rate.
Here’s Why You Won’t Get Those Advertised Rates On Your Mortgage
Markets

Consumers And Lenders May Be Seeing Different Credit Score Reports

[credit provider=”Jill Krasny “] The credit scores that consumers buy from credit reporting agencies sometimes differ from the scores lenders see when deciding the terms of loans, potentially to the detriment of the consumer, a U.S. watchdog agency said on Tuesday.About one in five consumers purchasing a credit score is […]
Consumers And Lenders May Be Seeing Different Credit Score Reports
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