Credit, Loans & Mortgages

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  1. How does the number of credit card accounts I have affect my credit score?

    Your credit score, which is also referred to as your FICO score, is a measure that creditors use to assess your potential ...
  2. What are some historical examples of debt securitization?

    Find out how debt securitization started, how it works and why the government facilitated the mortgage-backed security market ...
  3. Are personal loans bad for your credit score?

    Discover how taking out a personal loan can affect your credit score, and learn how a personal loan can help your overall ...
  4. Transfer

    A change in ownership of an asset, or a movement of funds and/or assets from one account to another. A transfer may also ...
  5. A Guide to Saving for a College Education

    While there is no one-size-fits-all plan to save for college, consistency is key.
  6. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money. ...
  7. Consumer Protection Laws You Need to Know

    Knowing these which consumer protection law can help you in particular situations can save you time, money and stress.
  8. 4 Unexpected Things That Lower Your Credit

    It's important to maintain a good credit score. Discover what could be lowering it without your knowledge.
  9. What's a better way to borrow money: overdraft or credit cards?

    Overdraft and credit cards will allow you to spend more money than you have, but whichever option you choose, be sure to ...
  10. Credit Card or Cash?

    Credit cards are convenient to use, but not always the best choice. Here are 5 times you shouldn't pay with a credit card ...
  11. Can I get a balance transfer if I have bad credit?

    Transferring funds from one credit card to another is often possible with bad credit, but it will likely cost you in interest ...
  12. Getting a Mortgage for Non U.S. Citizens

    Many banks and mortgage companies offer conventional and FHA home loans to non-U.S. citizens, if they can verify their work ...
  13. Do mortgage escrow accounts earn interest?

    Paying down monthly mortgage escrow accounts? Will you receive any interest on this payment? If you are, should you put more ...
  14. Should You Increase Your Credit Card Limit?

    Should you ask for a credit limit increase? The answer is yes, and there are several good reasons why.
  15. How does Sallie Mae disburse funds?

    Understand what Sallie Mae is and how it operates. Learn about the different ways in which Sallie Mae disburses funds to ...
  16. Can the Best Buy credit card be used anywhere?

    Learn how the Best Buy credit card can only be used in Best Buy stores and online to make purchases through the Best Buy ...
  17. The Worst Things That Can Happen if You Don’t Pay Your Student Loans

    You may not get U.S. marshals knocking at your door, but why tempt fate? If you fall behind on payments, you have options. ...
  18. Homeowner's Insurance

    Homeowner's insurance is a form of property insurance that covers losses and damages to an individual's house and to assets ...
  19. 9 Reasons To Say "No" To Credit

    Instead of rationalizing, learn to talk yourself out of buying things you can't afford.
  20. Getting Your Kids Their First Credit Card

    Putting some plastic in your children's wallets may actually help them - if you do it right.
  21. Credit Score Ranges: What Do They Mean?

    Take a closer look at what credit scores in each range mean for your financial future.
  22. How is interest charged on most lines of credit?

    Learn how most financial institutions calculate interest on lines of credit by using the average daily balance method and ...
  23. What's the difference between credit reports and investigative consumer reports?

    Learn about the major differences between two types of risk-evaluation reports: consumer credit reports and investigative ...
  24. How do balance transfers affect my credit score?

    Learn the ways a balance transfer can negatively and positively affect your credit so you can pay off debt while maintaining ...
  25. When is a balance transfer a good idea for paying off debt?

    Learn the best situation in which to do a balance transfer, enabling you to pay off your credit card debt more quickly while ...
  26. Can Sallie Mae loans be forgiven?

    Understand the difference between private and public student loans. Learn if Sallie Mae loans can be forgiven and if other ...
  27. Tips to Build and Maintain a Good Credit Score

    A good credit score is key to financial well being. Here is how you can build and maintain one.
  28. What is the difference between a savings & loan company and a bank?

    Find out how a savings and loan company, sometimes also known as a thrift or savings institution, focuses on different types ...
  29. Fannie Mae: Loans, HomePath & All You Should Know

    Fannie Mae (officially the Federal National Mortgage Association, or FNMA) is a government-sponsored enterprise (GSE) – that ...
  30. 6 Benefits of Increasing Your Credit Limit

    If you can resist the urge to overspend, then raising your credit limit could benefit you in various ways.
  31. How long does it take for items to show up on my credit report?

    Find out how long missed payments, collections and requests for credit take to show up on a credit report and how often most ...
  32. What does it mean when interest "accrues daily?"

    Find out what it means when an interest-bearing account accrues interest daily and how different compounding periods change ...
  33. When is it a good idea to take out a loan to invest?

    The only time it makes sense to invest a loan is when the return on investment of the loan is high and the risk level of ...
  34. What are the biggest factors that can affect my credit score?

    A credit score is a numeric expression that helps lenders estimate the risk of extending credit or loaning money to people. ...
  35. What are the best ways to rebuild my credit score quickly?

    Repair your credit score more quickly by talking to your lender, increasing the credit limit on your existing credit cards ...
  36. How will debt settlement affect my credit score?

    Learn how a debt settlement arrangement, though sometimes the best option to eliminate an outstanding debt, can negatively ...
  37. What is a Ginnie Mae security?

    A Ginnie Mae, or Government National Mortgage Association security, functions similarly to the process of lending someone ...
  38. What's the difference between a balance transfer and a cash advance?

    Learn how balance transfers and cash advances differ, how these transactions can both benefit and hurt your finances, and ...
  39. What are some examples of simple interest loans?

    Learn about two common examples of simple interest loans. Understand what simple interest is and learn why it's important ...
  40. Is it possible to get a free credit report from Equifax?

    Learn how you can receive a free credit report from Equifax, and discover what you need to do so you can view your free annual ...
  41. How long does it take a check to clear?

    It usually takes two days for a check to clear, but in some cases it may take longer. Discover how banks treat large deposits ...
  42. Reverse Mortgages: No Longer a Loan of Last Resort

    In the right circumstance, a reverse mortgage can be an effective financial planning tool.
  43. Will having several credit cards hurt my credit score?

    The manner in which you use your credit cards may affect your credit score more than the number of credit cards you own will.
  44. What is the difference between available credit and credit limit?

    Explore the difference between available credit and credit limit and the implications different account balances have on ...
  45. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

    Learn how prepaid credit cards enable convenient bill payments and transfers. Explore different fees charged for such transactions.
  46. How can I tell if a loan uses simple or compound interest?

    Learn the differences between simple and compound interest and how you can use mathematical calculations and lender disclosures ...
  47. What are the differences between delinquency and default?

    Find out more about loan delinquency, loan default, and the difference between a loan borrower defaulting and being delinquent ...
  48. Are Sallie Mae loans considered federal loans?

    Identify the differences between federal and private student loans, explore the qualities of each type of loan, and find ...
  49. How do mortgage lenders check and verify bank statements?

    Find out how mortgage companies verify your bank statements for mortgage approval. The lender sends a form to your bank requesting ...
  50. Consumer Financial Protection: In Need of Protection

    Opponents of the agency contend that the CFPB lacks accountability; it's defenders beg to differ.
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