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Establishing Credit

NFCC Examines History of Women and Credit

Women are encouraged to obtain credit in their own name As we recognize Women’s History Month. the National Foundation for Credit Counseling (NFCC) examines the evolution of credit as it relates to women, and encourages women to take advantage of the credit opportunities available to them today to establish credit in their own name. Many young women have never known a time when credit was not available to them, but …Read More

5 Steps to Take Before Moving Out of Your Parent’s Home

Living with one’s parents can be a great way to save money and prepare for adulthood. And it’s more common than you might imagine. As Pew Research noted, some 15% of millennials ages 25 to 35 still lived with their parents as of 2016. Some statistics say it may be even double that. This is a new trend, with Generation Xers living at home at much lower rates at the …Read More

#AskanExpert: Should I Remove Myself as an Authorized User?

Q. When I was under 18, my parents added me as an authorized user to one of their credit cards. However, since then, they have accumulated a lot of debt on that credit card that now negatively impacts my credit score. I am continuously getting denied from credit card applications of my own. In terms of damage control, is it better for me to stay on the card and wait …Read More

Changing the Playing Field for the Credit Invisible and Unscorable

Credit is important. It follows you for your whole life and you can’t start over. It’s what enables you to get a cell phone, utilities, insurance, a car loan, and even a home mortgage. Yet, many individuals don’t know how their everyday financial behaviors and payments can influence this critical aspect of your financial life. This is further compounded by a big problem with the U.S. lending system – the …Read More