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How to Protect Your Credit and Online Data From Fraud—A Year After The Equifax Breach

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Cash-Out Refinance vs Home Equity Line of Credit

For most Americans buying a home is the biggest purchase they’ll ever make and the largest asset they’ll ever own. Houses are illiquid assets, meaning that in order for a homeowner to receive cash from the equity they have built they need to sell the home. This is why mortgage lenders have found creative ways to help borrowers tap into their home’s equity by either taking out a home equity line of credit (HELOC) or by completing a cash-out refinance of their current mortgage.

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Soft vs Hard Credit Inquiry: What You Need to Know

Did you know that a company can get your credit information with just your name, address, date of birth, and consent? A common misconception is that a social security number is needed.

Credit checks are an uncomfortable fact of adulthood. Everything from buying a home or car, renting an apartment, taking out a personal loan, applying to certain jobs and even having utilities turned on, can involve a credit check. Yet one of the confusing aspects of having good credit is that even as credit checks are becoming more common, having too many can lower your credit score.

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What a Trump presidency means for student loans

What a Donald Trump Presidency Means for Student Loans

With the world’s longest election campaign season finally behind us, people across the country are trying to understand what a Donald Trump presidency means for them. If you’re one of the 40 million Americans with student loans, that means taking a closer look at President Trump’s statements about the runaway growth of college tuition and student loan debt, and his proposed plans to remedy the problems.

And if you missed our CEO Mike Cagney’s recent article in Business Insider discussing how the student loan industry will change this year, we recommend checking it out.

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Millennials and 2017 financial resolutions

Post-college Millennials and 2017 Financial Goals: A World in Flux

For many Americans, the beginning of a new year is a time for self-reflection and personal goal-setting — losing those holiday pounds, learning a new language, or maybe getting to a better place with their finances.

As a personal finance company devoted to helping a new generation achieve prosperity, we decided we’d dive into the financial aspect of these resolutions, especially among younger Americans. We also wanted to see how recent events might have shaped those resolutions. So we surveyed more than 500 college-educated Americans ages 25-34 — the older cohort of U.S. Millennials — to find out their attitudes on a variety of forward-looking finance topics.

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Understanding the Different Types of Mortgage Loans

The process of applying for a mortgage loan can be complicated, and one of the first steps for a homebuyer is to decide which type of loan will best serve his or her needs. Some mortgage applicants are first-time homebuyers, seeking to buy a home as a primary residence, while others are seasoned residential homebuyers, with experience purchasing homes primarily for investment purposes in the form of rent revenue and asset appreciation. No matter what type of borrower you are, you should be familiar with the different types of mortgages available today.

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