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If you’re tired of renting but worried that poor credit stands in the way of homeownership, don’t lose hope. Plenty of buyers secure mortgages every year with scores that fall below ideal ranges. Lenders often look beyond a single number, weighing income, debt levels, payment history, and overall financial stability. With the right strategy (and […]

Knowing your credit score is one thing, but understanding how it’s calculated is far more important. Credit bureaus like Equifax, Experian, and TransUnion rely on a detailed formula to determine your borrowing reliability, influencing everything from loan approvals to interest rates. By breaking down the key factors that shape your score and highlighting practical steps […]

I got a call from a Fidelity rep who told me my former advisor had left and he’d be taking over. As we talked, I noticed he kept calling himself a financial planner while referring to his predecessor as a financial advisor. When I asked why, he said it was because he’d earned the Certified […]

If you’ve come across the terms “fixed rate” and “variable rate” before, you might have overlooked them as complicated financial terms. But really, when you break it down, fixed and variable rates are actually fairly simple. They are exactly what they sound like — an interest rate that is either set in one spot or […]