The Facts Behind your Credit Score

The Facts Behind your Credit Score

I think we all know that credit is important. Knowing what credit is, how your score is created, the variations among the credit factors that lenders examine, and the fairly recent progress in consumer credit report access will make you a more informed consumer who can use her credit wisely. 

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Credit that Cares for You

Credit that Cares for You

Real talk: Paying for medical care is stressful and expensive. Even if you are fortunate enough to have insurance through your employer, coming up with co-pays on top of the premiums can make your budget, or your savings, cry. When you pay for an individual insurance plan, the situation often becomes more stressful.

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Credit 101

Credit 101

Credit often feels like a mysterious and treacherous aspect of personal finance when you are young and/or just beginning your money management journey. Despite its reputation, credit is a tool that with responsible use will improve your financial standing. Before you embark on the journey of seeking credit, it is important to know how credit and credit scores work so you don’t accidentally end up in hot financial water.

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Everything You Need to Know About Your Credit Score #WMWeek17 @JulieMaccCredit

Everything You Need to Know About Your Credit Score #WMWeek17 @JulieMaccCredit

Not everyone has a Credit Score. In order to have a credit score your credit file has to meet certain minimum standards to be score able. Failure to meet the below guidelines with any of the 3 bureaus, Equifax, Trans Union and Experian and you will not have enough information to generate a score and you will see a zero in place of a score:

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3 Solid Reasons to Keep Your Finances Separate #WMWeek17 @mmarquit

3 Solid Reasons to Keep Your Finances Separate #WMWeek17 @mmarquit

We hear all the time that you should combine finances when you combine lives. Here are some reasons to keep your finances separate even after you get married. It’s pretty much taken as an article of faith that marriage means combining finances with your S.O.

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Your Marriage is in Jeopardy before it Starts #WMWeek17 @emily4families

Your Marriage is in Jeopardy before it Starts #WMWeek17 @emily4families

For those of you who are planning your 2017 wedding, I invite you to consider investing in the health and longevity of your MARRIAGE in the best way possible.  How?

By knowing how to talk about the most taboo subject in relationships… …MONEY!

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First Step to Overcoming Financial Stress

First Step to Overcoming Financial Stress

It’s easy to despair over your finances, whether it’s your debt load, learning poor spending habits left you broke, or simply realizing you don’t know squat about doing your taxes. And it’s okay to have a cry once in a while. Crying is a normal reaction to stress. But when tears and despair become the norm when you think about your finances, you’ve got a problem. The more you despair, the more you lose hope and feel powerless to make any meaningful changes. News flash: this is your life, and you’re the only one who can improve it. And the first step to creating change and hope is gratitude.

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Women Veterans - How to Overcome Financial Uncertainty

Women Veterans - How to Overcome Financial Uncertainty

55% of veterans believe they aren’t well prepared for a financial emergency. 77% of service members have financial worries, and 57% worry especially about losing income and job security due to defense cuts. These statistics show a grim reality for America Veterans, regardless of gender. Approximately 11% of our veteran population is female, many of whom are mothers. If you are a female veteran feeling financial strapped and worried about your family, we at Women’s Money® salute and honor your service to our country and want to help you achieve financial security.

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Teaching Kids About Money and Business with Pokemon Go!

Teaching Kids About Money and Business with Pokemon Go!

I began playing Pokemon Go out of curiosity. There were a lot of headlines surrounding the new phenomenon, and I wanted to experience first-hand what it was about. As I played, I became enthusiast and began writing about the game’s obvious health benefits. Since I’ve been playing for a while now, I’ve observed some other subtle rewards that reinforce my appreciation for the game: most notably, Pokemon Go teaches players (hopefully young players) about money. The game is both a model for how to how to manage money and promote business.

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Mujeres y Dinero - Cuidado con los fraudes

Mujeres y Dinero - Cuidado con los fraudes

We are HONORED AND THRILLED to announce Miriam Lira-Hickerson, Ombudsman of Minority Affairs for the State of Nevada, will be speaking on August 13 at the La Conference de Mujeres y Dinero. She will sharing information on "Cuidado con los fraudes".   Keep your hard earned money safe with the tips and resources Miriam shares!  Don't miss her. Register today for the conference. http://www.womensmoney.org/2016-rnomyd

About Miriam - OMBUDSMAN OF CONSUMER AFFAIRS FOR MINORITIES

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It's time to give your finances a spring cleaning. Start with a #FinancialSelfie #WomensMoney

It's time to give your finances a spring cleaning. Start with a #FinancialSelfie #WomensMoney

It's been almost three months since New Year's Eve. The first day of spring has passed, and holidays celebrating reflection and renewal are coming up.  It's the time of "spring cleaning". 

It's also time to get an honest picture of your personal financial condition. 

Here are some quick, cool, and fairly painless ways to get your financial status reviewed:

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WHAT’S THE COST FOR CLOSING A REVOLVING CREDIT CARD? @JulieMaccCredit #creditrepair

WHAT’S THE COST FOR CLOSING A REVOLVING CREDIT CARD?  @JulieMaccCredit #creditrepair

I have noticed a lot of what I consider bad advice regarding closing credit cards to save an annual fee associated with some credit cards.

The FICO scoring model subtracts points every time you open or close a revolving credit account.

The longer a revolving account is open; the FICO scoring model rewards you with more points.

A revolving account is considered an account with a pre-approved credit limit determined by the credit grantor that a consumer makes payments on the balance of the credit used during the month.

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