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How To Pay Off Debt Quickly
Debt is something that most of us have. Debt can allow us to gain access to money when we are in need, then pay back the amount over a certain period. According to CNBC, consumer debt hit a record high of $15.6 trillion last year. People between 40 and 55 have the most debt, recorded at an average of $140,643. Debt, however, is something that people can have as early as age 18. When you are in too much debt, it can be tough to manage your...
How To Save For Retirement: A Complete Guide
Retirement is supposed to be an exciting time in your life. It’s when you step away from the workplace and get a chance to unwind, sit back and enjoy life. Unfortunately, this is not how things are for people who haven’t saved for retirement. When you fail to save for retirement, this time in your life may instead come with worries and stress. An estimated 25% of Americans have no savings plan in place for their retirement. This guide will help...
Does Debt Counseling Affect Credit Scores?
Do you have a lot of debt? Do you feel like you're always juggling your bills and trying to keep up with your payments? If so, you might need to consider debt counseling. But does debt counseling affect your credit scores? Debt counseling can be a great way to get your finances under control and start getting your head above water. But it's important to know the facts about how it affects your credit scores before making any decisions. Read on...
Top 10 MyScoreIQ Blogs of 2022
We compiled a list of our top blog posts from the last year to find out what our audience most wanted to read about when it comes to credit reports and credit scores in 2022. Our most popular topics concerned the different types of information in credit reports and how major life milestones can affect your credit. These were the most searched and visited topics on the MyScoreIQ blog in 2022: Can Old Addresses Be Removed from Your Credit Report?...
Your Guide to Financial Wellness
Finances are something that many people struggle with. Many report living paycheck to paycheck, often not considering savings and the future. An article from Zippa reports that about 125 million Americans live this way, which makes up over half of the population. Most people who live paycheck to paycheck fall within the lower income groups. Working on your financial wellness and breaking free from this lifestyle can be tricky when you have a...
Does a Grace Period Affect Your Credit Score?
A frequently asked question in the credit world is what is a grace period? And how does it affect your credit scores? Here is information on how a grace period works, what it means, and the impact it can have on bad and good credit scores. Statistics from Forbes show that during the COVID-19 pandemic, 75% of Americans missed credit card payments, and only 29% of cardholders understand their credit card benefits. So, here are some essential...
Do Credit Scores Update on Holidays?
With the holiday season in full swing, it's normal to get caught up in searching for the right holiday gifts, planning parties, sending greeting cards and opening your home to family and friends. But if you wish to keep your credit health in check during this period, it's wise to pay special attention to your credit report and credit scores. But do credit scores get updated on holidays? Well, here’s what you need to know. Do Credit Scores...
What Does a Tri-Merge Credit Report Mean?
Your credit report is a record of your credit history. It includes your credit accounts, such as mortgages, auto loans and credit cards. Your credit report also provides information about your payment history, work history, addresses and the number of credit inquiries and by whom. The credit reporting bureaus are organizations that keep track of your credit history. There are three major credit bureaus in the United States: Equifax®, Experian®,...
How Do I Know My Billing Cycle?
Do you know what your billing cycle is? Here’s how you can find out when your billing cycle starts and ends and how it impacts credit scores.
What Happens to Your Credit When You Get Evicted?
When you are facing eviction, how does this affect your credit score? Learn how an eviction can affect your scores.
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