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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 +...
Credit reports are a crucial aspect of your financial life. They provide lenders with the information they need to assess your creditworthiness, determine whether to approve...
Credit reports and scores are critical components of an individual’s financial health and play a significant role in determining their ability to access loans, credit cards,...
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...
By Article Posted by Staff Contributor
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 +...
By Article Posted by Staff Contributor
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...
By Article Posted by Staff Contributor
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...