IN THE UNITED STATES, the land of credit, the importance of a solid credit score is drilled into our heads. Yet most of us don't know much about how it's calculated, how to boost it, or what it can mean for our financial future. That's really not our fault, though. This kind of information can be hard to find, and once we get it, the content can be overly complicated or flat-out wrong, says Beverly Harzog, a financial journalist and the author of The Debt Escape Plan. "Understanding credit scores doesn't have anything to do with your intelligence level," she adds. So we broke some key things down for you here, in easy-to-understand language. Take it to the bank!
FICO Isn't the Only Name in the Game
The acronym stands for Fair Isaac Corporation, a company that generates scores (based on information in credit reports) to help banks and lenders predict whether you'll make good on your debt. While your FICO score is used by the majority of creditors, there are other companies out thereVantageScore is a popular one. Banks sometimes develop their own ranking systems as well. That's why you can check your score with FICO, a service like Credit Karma, and your bank and get three different numbers.
هذه القصة مأخوذة من طبعة July - August 2023 من Real Simple.
ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.
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هذه القصة مأخوذة من طبعة July - August 2023 من Real Simple.
ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.
بالفعل مشترك? تسجيل الدخول
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Don't know about you, but this time of year, with the back-to-school sales and newpencil smell in the air, always makes me want to reinvent myself. When I was a kid, every fall was another chance to cast aside the embarrassments of the previous grade and turn into the totally cool individual I was born to be. (I'm still waiting.) Now it's another chance to launch my own version of New Year's resolutions. Let's call it my Fall Agenda of Improvements and Laudable Successes (a.k.a. FAILS). I look at running gear and consider signing up for a marathon. I invest in a new skin care regimen. I stock up on accordion files so I can finally get my papers in order.
The Books List Top Picks for Book Club & Beyond - National Book Award finalist Rumaan Alam captivated readers with 2020's startling Leave the World Behind.
The Books List Top Picks for Book Club & Beyond. Thrilling Lit Fiction National Book Award finalist Rumaan Alam captivated readers with 2020's startling Leave the World Behind. In his new novel, Brooke is a young woman living in New York City, working at an aging billionaire's family foundation, yearning to find her purpose.After her employer enlists her help in deciding how to give away his fortune, she becomes entranced by the power of wealth. Suspenseful and deliciously unsettling, Entitlement examines the seductive pull of money and its ability to warp our perspectives.
Go With Your Gut - Each of us has a little voice inside that knows more than the conscious mind. It's called intuition, and it deserves your attention.
Cognitive scientists, who study how human beings think and reason, generally define intuition as knowledge gained without rational thought, and they believe it's a natural part of how our brains work. Humans have two main ways of absorbing information. One is a slow, deliberate process, in which we methodically analyze details for instance, comparing two laptop models before buying. The second happens almost instantly, and the insight feels like it came out of the blue. In fact, though, it's based on data we've gathered subconsciously over time and, in a flash, connected with our past experiences.
buh-bye, beige!
Magnolia Network star and interior designer Natalie Papier colorized a classic 1920s Oak Park, Illinois, home using lots of paint, some wallpaper, and a bunch of brilliant tricks.
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Will it be hot outside, or brisk and chilly? Yes! And these on-trend pieces will help you get it just right.