Wednesday, September 29

FICO

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My coworkers teased me until I got my first credit card, and I’m so happy I finally did it for 3 reasons

This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page.Watching my parents carry balances on their credit cards growing up made me afraid to get one. I chose the Capital One Platinum Credit Card because it's designed to help people build credit. I'm aiming to boost my credit score into FICO's "good" range within the year. Read Insider's guide to the best starter credit cards. Over the course of some casual conversations with the personal finance team at Insider...
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3 steps to refinancing a personal loan to save money

If you took out a personal loan to accomplish goals like consolidating debt or making home improvements, you probably locked in an interest rate and term length. This doesn't mean your initial terms have to stay the same until you pay off the loan in full , though. You can refinance your personal loan and get better terms.Maybe you have improved your credit score since getting your original loan. Or you may have found a different lender that charges a lower rate or fewer fees.Refinancing could also be a good idea if you want to extend your term length and make smaller monthly payments, or shorten your term length and pay less in total interest. Whatever your reasoning may be, ...
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Discover personal loans review: Lender with low maximum loan amounts but no origination fee

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.The bottom line: Discover is a strong option for borrowers with good credit, and offers a 30-day money-back guarantee if you're dissatisfied with your loan or find a better rate. However, if you're late on making a payment, you may be charged a hefty $39 late fee. Discover loan amounts and interest ratesDiscover's personal loan amounts range from $2,500 to $35,000 and can be repaid over three to seven years, depending on the agreement you strike with the lender.Discover's lowest APR of 6...