The New FICO Score: What It Means for You

Credit Score

The New FICO Score: What It Means for You

The New FICO Score: What It Means for You

If you’ve always maintained a strong payment history with your cellphone and cable bills and want a little credit for it, you may be in luck. Credit-scoring giant FICO just announced a new scoring model designed to give credit scores based on people’s payment history with their phone, utilities and other bills. LexisNexis Risk Solutions and Equifax introduced the FICO Score XD... Read More

6 Car-Buying Hacks Dealers Hope You Don’t Know

Auto Loans

6 Car-Buying Hacks Dealers Hope You Don’t Know

6 Car-Buying Hacks Dealers Hope You Don’t Know

Buying a car is one of the most stressful financial decisions you can make. Not only are cars expensive, you also usually make this decision only once every few years, and you are facing off with someone who deals with car sales every single day. It’s no wonder so many people hate the idea of... Read More

6 Ways to Save on Your Cable Bill

Personal Finance

6 Ways to Save on Your Cable Bill

6 Ways to Save on Your Cable Bill

It’s a great time to be a pay TV (aka cable) consumer. Really. After decades of helplessly paying skyrocketing TV bills (helpless because many consumers were stuck within monopoly situations) the worm is finally turning. New entrants like Verizon’s FiOS and SlingTV have created genuine competition, while the “cord cutting” phenomenon has helped many consumers... Read More

Where to Buy a Home If You Don’t Have a Big Down Payment

Mortgages

Where to Buy a Home If You Don’t Have a Big Down Payment

Where to Buy a Home If You Don’t Have a Big Down Payment

If you’ve been saving to make a down payment on a home, you may not have to put money aside for as long as you’d thought, thanks to the average required down payment being much lower in some markets. And, according to recent research, the average required initial mortgage payment is only getting lower for hopeful homeowners. For... Read More

How Long Does It Actually Take to Get Fraud Off My Credit Reports?

Identity Theft

How Long Does It Actually Take to Get Fraud Off My Credit Reports?

How Long Does It Actually Take to Get Fraud Off My Credit Reports?

If you discover a fraudulent item on your credit report, typically caused by identity theft, you’ll likely want it gone as quickly as possible — especially if you’re looking to improve your credit score for a big purchase or to get better terms on a new credit card. But getting that error removed isn’t easy.... Read More

Ransomware Is a Real Threat (Even to You, Apple Users)

Identity Theft

Ransomware Is a Real Threat (Even to You, Apple Users)

Ransomware Is a Real Threat (Even to You, Apple Users)

Maybe the thought actually occurred to you that something was “phishy” about that link, but that’s so 30 seconds ago. You clicked and now your computer screen is locked. Behind that frozen screen lie your personal files — everything from photos to tax documents — all of it encrypted by a third party that promises... Read More

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