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Biggest Financial Crimes: Countrywide Financial Corporation The opacity of the financial industry and complex business operations allow certain groups of organizations, financial and non-financial institutions, and...
Biggest Financial Crimes: Tyco International When people dwell on the enormous scope of finance, crime certainly does pay. In fact, over the years, various individuals and...
Most people think they have a credit score. One number that decides if you get approved or denied. But that’s not the truth. In reality, you...
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You walk into a dealership confident. Credit Karma says 720. The salesman smiles, runs your credit, and suddenly you’re at 660. What gives? The answer lies...
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Why Mortgages Are Different Most mortgage lenders still use old FICO models (2, 4, and 5), not the shiny new versions. Why? Because Fannie Mae and...
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Credit card companies care about one thing above all: how you handle revolving debt. That’s why the Bankcard model weighs factors like utilization (your balances vs....
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Millions of Americans are what lenders call “credit invisible.” They don’t have enough history to generate a traditional FICO score, yet they pay rent, utilities, phone...
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Credit scores in the U.S. are slipping, and fast. The average FICO® Score has dropped to 715 in 2025, down from its pandemic-era highs. For some...
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Bottom line: The deceased person’s accounts don’t just vanish—they’re typically settled by the estate. Reports will eventually reflect a “deceased” indicator, and you’ll coordinate closures with...
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Credit bureaus allow a spouse or court-appointed personal representative/executor to request the decedent’s credit report by mail with proof (death certificate + proof of authority +...
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Short answer: Federal student loans are discharged upon death with proof; mortgages and auto loans don’t disappear—they’re usually handled by the estate or assumed by eligible...
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Introduction: Why $1,000 Matters but Isn’t Enough Let’s start with a reality check. The median emergency savings in America is about $600–$1,000, according to multiple surveys....
By Article Posted by Staff Contributor
Most people think they have a credit score. One number that decides if you get...
You walk into a dealership confident. Credit Karma says 720. The salesman smiles, runs your...
Why Mortgages Are Different Most mortgage lenders still use old FICO models (2, 4, and...