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Identity theft happens when a fraudster uses your name, address, bank account information, credit card details or other types of personal data without your consent. They may open up new accounts in your name or make purchases using your personal details. It's scary...

Consumer debt in the U.S. soared to an all-time high in 2020—reaching nearly $14.9 trillion, according to national credit data. Some of that debt is in the hands of debt collectors, with a study released by the Urban Institute last year estimating that debt in...

The time has come to rent an apartment, but you don’t know how to get started. Before you start looking for an apartment you want to take some steps first to know what you can afford and set up a goal or time frame of how long you want to rent for. Determine Your...

What are the factors that determine my credit score? It's important to understand the factors that go into determining your credit scores so you know how to improve them if necessary. For the FICO® Score 8, there are five main factors that impact your score. They are...

If you've ever received a phone call or a letter from a debt collector, you know it can be stressful. Debt collectors attempt to collect money owed to a landlord, medical service provider or some other creditor. And while paying or settling your collection accounts...

If you've come across extra cash and have credit card debt, you may think what the best way is to invest it, whether it's a good idea to pay off your balance all at once or over time. A lot of us have heard that carrying a balance is beneficial to your credit score,...

According to FICO, a hard inquiry from a lender will decrease your credit score five points or less depending on the strength of your credit profile. the difference between a hard inquiry and soft inquiry is that hard inquiries occur when a lender checks your credit...

The best way to improve your credit is to never miss a payment on any of your credit accounts, since payment history is the most important factor in your credit score. But keeping debt balances low, demonstrating a lengthy credit history, avoiding frequent...

What Is Bankruptcy? If you're struggling financially, bankruptcy may seem like an opportunity to pay down a portion of your debts over time or have some of them eliminated entirely. Declaring bankruptcy grants what's called an automatic stay, which is essentially a...