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  • Credit report

    Sen. Elizabeth Warren & Rep. Steve Cohen: It’s Time to Stop Employer Credit ChecksGovernment, credit

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    Bad credit can happen for a lot of reasons, but today many people have bad credit through no fault of their own. Illness, job loss, divorce or the death of a loved one can plunge a family into unexpected hard times. In difficult circumstances like these, a drop in income or taking on more debt can badly damage a credit report—even for a person who continues to make every payment on time. For countless Americans, […]

  • Homeowners

    The 5-Minute Checklist for New HomebuyersFinancial Literacy, Mortgages

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    When you are trying to get approved for a mortgage you can afford, it’s important to make yourself as appealing a borrower as you can to lenders. Getting approved can be the difference between getting the home you want and watching competitors beat you out while you move into the lesser property down the street. Follow the below tips before you apply for a mortgage so you can give yourself the best odds of getting […]

  • Will the Pension Generation Be Able to Retire Comfortably?Personal Finance

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    When it comes to consumer content on retirement planning, the industry is silent about the Silent Generation. It seems that most articles are related to the markets or the vast number of Boomers that are retiring every day. As a result, there are many living Americans in their 70s and 80s who are not getting the financial planning information they will likely need down the road. But why? This generation has assets, lives comfortably, and often […]

  • Students Are More Freaked Out About College Costs Than Their Parentsstudent loans, Personal Finance

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    Part of the problem with Americans’ insane amount of student loan debt is how many young adults get these loans without really grasping how much they will cost. More often than not, college-bound borrowers don’t have experience budgeting all the expenses that come after college, so it’s understandably difficult to comprehend how a $30,000 annual tuition bill will translate into post-graduate finances. Parents, who have that budgeting experience, would seem to have a better understanding […]

  • What Hackers Want More Than Your Credit Card NumberData Security, Identity Theft

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    Account takeover fraud — which occurs when a cybercriminal gains unauthorized access to an online account — is growing rapidly, a new analysis by a major Canadian cybersecurity company shows. Vancouver, British Columbia-based NuData Security, which predicts and prevents online fraud, analyzed more than 15.7 million login interactions from May through June and identified 882,340 as high risk or potential account takeover attempts. “Account takeover is the new credit card fraud,” says Ryan Wilk, the […]

  • Debt

    7 Mistakes That Can Demolish Your Credit Scorecredit, Personal Finance

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    It’s the irony of all ironies: Shortly after writing a story about the risk of paying a department store card late after the holidays, since it’s not in your usual list of bills to pay, I forgot to pay one of mine. To be fair, I did check online for my statement a couple of times, but it wasn’t ready yet. And somehow I missed the mail telling me when it was finally ready. Thankfully, […]

  • Home ownership

    Are Adjustable-Rate Mortgages About to Become Way More Popular?Mortgages, Personal Finance

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    With the Federal Reserve hinting it may soon begin to boost short-term interest rates, will borrowers turn to ARMs to keep enjoying the rock-bottom mortgage rates they’ve grown accustomed to? “Not in a big way,” said Ken Maes, an executive with Skyline Home Loans NW. “ARMs still have a negative perception.” Maes and other mortgage professionals said they don’t expect to see a surge in ARM applications anytime soon. He noted that while initial rates […]

  • How to Keep Seniors Safe From Internet ScamsConsumer Protection, Identity Theft

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    August is typically the month for back-to-school preparations. With many schools starting in mere weeks, families are busy shopping for supplies and enjoying the final days of summer vacation. Some are even readying their high school and college seniors for the last hurrah. But what about the other seniors in your life? Take a few minutes to think about how you can keep the senior citizens in your life safe from scams and fraud. There […]

  • How to Avoid Used Car Loan GotchasFinancial Literacy, Personal Finance

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    Used cars have always appealed to the budget-conscious shoppers because of their low prices, but there’s always been a drawback — used car loans. Until recently, bank loans for used cars were tricky to get, and were much more expensive than new car loans. But that’s changing. With car dealers successfully edging banks out of many new car loans, banks have turned their attention to the used car market. Today, more than half of used […]

  • How College Students Can Protect Themselves From Identity TheftEducation, Identity Theft

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    College students are prime targets for identity thieves. They are busy and distracted, and rarely are actively engaged in managing their credit. And they are usually required to fill out a flurry of paperwork as school begins that includes the most sensitive information, such as Social Security numbers. In additional to financial aid, enrollment forms or rental documents, many will encounter credit card applications for the first time, not to mention creation of various computer […]

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