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9 Reasons Your Credit Score Has Dropped
It’s a common question–Why did my credit score drop? Your score can fall for many reasons. Some drops are insignificant, while others can seriously hurt your finances. We examine nine common reasons your credit score may have fallen.
So you recently pulled your credit report or got an alert from a monitoring service. Suddenly, your score is lower than it was last month. What gives?
Credit scores are, to say the least, complicated. They’re based on a whole host of factors. Plus, each factor is weighted a little differently. So this means your score can drop for a number of reasons.
Pinpointing the exact reason for your credit score’s decline can be tough. But here are nine common reasons your score could have declined. Once you figure out which is causing your issue, you can take steps to fix it.
9 Reasons Your Credit Score Has Fallen
1. You’re 30 days late on a payment.
How to Rent an Apartment When You Don’t Have a Credit History
Many landlords check a prospective tenant’s credit report. For those with no credit, finding a landlord willing to take a chance on you can be a challenge. Here are some tips to snag that apartment you love, even if you have no credit history.
Apply to units owned by individual landlords
Start by applying for rental units that are owned by individuals, rather than apartment complexes or rentals that are run by management companies. Individual landlords are mostly looking to get a viable tenant into their property. And they may be more flexible on their criteria. If you can show you’re prepared to pay rent on time every month, individuals may overlook your lack of credit history. Managers at larger conglomerates likely have to follow complex corporate rules, which likely require tenant credit histories on file.
How to Write a Winning Cover Letter
A cover letter is your 60-second chance to promote yourself. Write a poor cover letter and your resume lands in the rejection pile. Craft a compelling cover letter, however, and you land the coveted interview. Here are five keys to writing a great cover letter.
Picture this scene. A recruiter at a popular company arrives to work Monday morning to look over applications that have come in over the weekend. These applications are for good opportunities available with her employer. And she has a very busy job sorting through them all.
She receives dozens or even hundreds of applications for each job opening. So how does our recruiter decide which applications she reviews carefully and which will receive an immediate rejection letter?
How to Save Money on Car Insurance
Lowering car insurance costs is a great way to save money. Sometimes a quick phone call is all it takes. Here are 6 ways to save money on car insurance.
Everyone is always looking for new ways to save money. Cutting expenses, trimming monthly bills, and tightening the budget are all great options. And this includes auto expenses.
So, as a companion to my other articles on how to save money on health insurance, homeowners insurance, and even life insurance, I thought I’d tackle car insurance.
What follows is a list of tips for reducing your premiums and saving a ton of money.
15 vs 30 Year Mortgages–What’s the Best Choice?
A 15 vs. 30 year mortgage–what’s the best option? It’s a question everybody who buys a home must answer. Here we provide the pros and cons of both mortgage types.
I’ve had mortgages on the brain recently. When assembling our mortgage history, I was struck by the decisions we face along the way. Aside from deciding when to refinance, the biggest decision we faced was what type of mortgage to get.
8 Tips to Make the Most Out of Business Travel
Editor’s Note: Thank you for your interest, any offer(s) below might be expired and no longer available.
Business travel has its pros and cons. At first, it can be exciting to hit the road on your employer’s dime. Eventually, however, it can become tedious. The good news is it’s easy to make the most of business travel.
Business travel doesn’t have to feel like work if you do it the right way. Optimizing the way you travel is important if your career is going to take you away from home frequently. You can’t succeed in your work if you’re too busy focusing on the headaches of travel. Luckily, you can take a few simple steps to enhance your travel experience, be better prepared for meetings, and earn great travel rewards. Take a look at the five ways to make the most of business travel.
Best Airline Miles Credit Cards of 2018
Editor’s Note: Thank you for your interest, any offer(s) below might be expired and no longer available.
Some people choose a credit card based on the interest rate or perhaps a balance transfer promotion. However, if you don’t intend to carry a balance on your credit card, you may be more interested in a rewards program.
The best credit card rewards programs are tied to your interests. Here, you can check out a number of credit and charge card offers that also come with rewards. We’ve compiled enough of these programs that you’re sure to find one that matches the way you want you to be rewarded.
The Best Way for Couples to Manage Their Money
Should couples keep separate bank accounts or a joint account? There is no one right answer to this question, and some couples keep both types of bank accounts. Here’s our take on the best way for couples to manage their money.
It’s hard to find a less romantic topic than banking. Yet nearly every couple eventually faces this question: Should we have a joint bank account or keep separate accounts?
According to a survey by TD Bank, the answer is often “both.” Nearly half (42%) of couples with joint bank accounts also keep individual ones.
Our Best Cash Back Credit Cards List for 2018
I carry many types of credit cards in my wallet. I have several travel rewards credit cards for when I need to book a flight or rent a car. And I use one balance transfer credit card that I got to make a large transfer a few years ago. And I also have a few cash back credit cards that I use for just about everything else.
To say that I know my way around a cash back rewards program would be an understatement. Which is why I wanted to put together a list of the best cash back cards I’ve come across in my rewards-earning ventures.
You can find the best cash back credit cards listed below. They come from a variety of issuers. They also include a variety of cash back rates and other perks.
Should You Buy Savings Bonds for the Grandchildren?
One of the best parts of being a grandparent is doing thoughtful things for your grandchildren. In addition to spoiling them with the latest gadgets, fun vacations, or simple trips out for ice cream, you also want to give them gifts for their future.
This is why savings bonds have been a popular choice with grandparents for decades. However, a lot has changed in the world of savings bonds in the last five years.
For one, the government has given them a digital makeover. This can make the process of giving them as a gift a bit more complicated. In addition, some people have dismissed bonds because of their less-than-stellar rates.
So are bonds a dependable, low-risk investment option or a relic from a bygone financial era?
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