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How Does a Personal Loan Affect Your Credit Score?

Thinking about a personal loan? It could be a great solution to pay for unexpected costs, urgent expenses, or to consolidate debt. Taking out a personal loan can also help build your credit when you make payments on time and when you use it to pay off revolving credit like credit card debt. When you apply for a personal loan, the lender typically reports it to the major credit reporting agencies. That means it shows up on your credit report,

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6 Reasons Why Avoiding Credit Is Costing You

1. Potential Lenders Can’t Properly Evaluate Your Application Turns out having no credit is just as bad as having poor credit. Reasoning: lenders use your credit profile to gauge your credit risk based on several factors, such as payment history.

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Can Poor Credit Affect My Job Search?

You spend hours perfecting your resume and cover letter for your dream job. The interview goes smoothly and the employer wants to offer you the position. But there’s one more hurdle to pass: the background check, which includes a credit

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When Does a Late Payment Affect Your Credit Score?

One of the most stressful feelings you can have is realizing that you’ll be making a late credit card payment. No one ever has the intention of paying late on a bill but surprisingly it happens all the time. You

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How Much Can You Afford to Pay Toward Debt Each Month?

“Debt.” It’s a financial four-letter word that you’d rather not talk about. But you know it’s time to face the music and get real with your money. That means doing something about your debt. Hey, I get it. Life is

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6 Ways Dropping Debt is a Lot Like Dropping Weight

1) Real American problems. Roughly two-thirds of American households carry credit card debt and two-thirds of American adults are overweight or obese. Chances are that you or someone you know is struggling with with at least one of these issues.

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5 Easy Ways to Wipe Out Credit Card Debt

1. Freeze the Cards While this technically isn’t a way to get out of the hole, it’s the first step towards eliminating credit card debt. Reasoning: if you continue to swipe away, any payments made will only offset the balance

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6 Lies About Credit Cards You Actually Believe

1. Credit card applications are bad for my credit score. Whether you’re seeking a temporary money fix or looking to take advantage of an irresistible introductory offer, chances are you’ve been warned to proceed with caution when applying for credit

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What’s the Difference Between APR and Interest Rate?

If you’re applying for any type of loan, the first thing you’ll probably look at is the interest rate. Further down the application, you’ll also see a term called an APR (annual percentage rate). These two numbers may be similar,

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4 Mistakes You Should NEVER Make with Debt

Okay, so you have debt. It’s frustrating, sure, but it’s not the end of the world. Millions of people are in the same boat right now, and many of them are steadily working their way toward being debt free. You

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Can You Buy a Home With Imperfect Credit?

Buying a home with less-than-stellar credit is possible, but it’ll be more expensive for someone with a bad credit history compared to someone with good credit. While you might be tempted into purchasing a home, you’ll need to be brutally

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