What really happens if I lose my job before closing on a mortgage? Losing your job within days of purchasing a home in New Jersey or another state can affect mortgage loan approval. While getting a new job may alleviate this, it does not guarantee that your lender will give you the loan. At Curbelo … Read more
Personal finance can be complicated and confusing. With so many opinions and approaches, it’s hard to know where to start. That’s why over 5 million people have turned to the Dave Ramsey method for straightforward, practical money advice. So what is the Dave Ramsey method? Put simply, it’s a 7-step process designed to help you … Read more
If an item on your credit report was recently deleted, you might be surprised if you received notice that the item had been reinserted in your credit file. A deleted item could reappear on your credit report for a couple reasons. Read on to find out how this might happen and what you can do … Read more
Wondering how to remove hard inquiries from your credit report? You can dispute an unauthorized hard inquiry by contacting the creditor who made it and filing a dispute with the U.S. credit bureaus. Learn how to dispute unauthorized hard inquiries and get reliable credit monitoring with LifeLock to help detect credit-related fraud and maintain a … Read more
If you’re shopping for a new car, you might be considering an auto loan. Many people don’t fully understand how these loans work, especially income verification. Do you need pay stubs for an auto loan? The answer depends on your credit score, employment status, and lender requirements. With a low credit score, banks focus on … Read more
Credit scores are grouped into ranges between 300 to 850. The ranges are used by lenders to determine your creditworthiness. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. … Read more
What Interest Rate Can I Get with a 790 Credit Score? Having a credit score of 790 puts you in an excellent position when it comes to getting approved for loans and credit cards. But what does this high score actually mean in terms of the interest rates you can qualify for? In this comprehensive … Read more
To understand available credit, it might help to imagine that youâre borrowing cash from a friend. Say your friend loans you $10 and you spend $4. If the original $10 you borrowed represents your credit limit, the $4 you spent is your current balance. And the $6 you have left is your available credit. Learn … Read more
Getting an unexpected check in the mail can be puzzling. If it’s from the government or another organization, you may be wondering – why did I get this disbursement check? Understanding disbursement checks can help you identify the source and purpose of the payment. What is a Disbursement Check? A disbursement check is a check … Read more
Received a 1099-C form? Find out when canceled debt is considered taxable income, the exceptions that apply, and how to accurately report it to the IRS. Learn the implications of debt forgiveness on your overall tax situation. If your debt has gotten so large you can no longer afford to pay it, negotiating a debt … Read more