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Cross-Collateralization: When Unsecured Debt Ends Up Costing You Your Car

When seeking the services of a financial institution, many choose credit unions instead of banks because they generally offer certain advantages over banks. You might get a better interest rate on a loan, a higher credit limit, fewer fees, or more personalized attention. But credit unions also commonly practice cross-collateralization – a term most have……
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5 Factors That Affect How Credit Bureaus Calculate Credit Scores

Finding yourself in a position of contemplating bankruptcy can bring up a lot of questions such as: How does a new bankruptcy affect my credit score vs. an old one? Some might be surprised to find out that in a number of cases, filing bankruptcy might actually improve your credit standing. How a bankruptcy impacts……
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4 Criteria For Tax Debt To Be Dischargeable Under Bankruptcy

Many people who struggle with their finances and debt, also struggle with tax debt and turn to bankruptcy as a solution to their tax problems. Although bankruptcy can help with many types of tax issues, it cannot solve all tax debt problems. Knowing how bankruptcy works when it comes to tax debt is critical in……
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8 Things to Consider If You Are Looking to Move When You Retire

Looking to Move When You Retire? 8 Considerations to Keep in Mind If you are thinking about moving when you retire, you are definitely not alone. Age Wave and Merrill Lynch report in their study that 64% of retirees have moved or anticipate moving in retirement. But is moving right for you? There are a……
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6 Ways To Improve A Low Credit Score

Having a low credit score tags you as a high-risk borrower and can impact so many facets of your life. Just how can it affect you? It is the determining factor in whether or not a lender will actually lend you money, and it raises the interest rate you have to pay if they do…….
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