Scammers are exploiting the COVID-19 pandemic by targeting individuals with fake stimulus payment requests, IRS scams, and bogus COVID-19 treatments. To protect yourself, only trust official sources like the IRS website for stimulus checks, be aware that the IRS doesn’t call or email for personal info, and rely on reputable news for legitimate COVID-19 treatments.

A FICO score is a specific type of credit score created by the Fair Isaac Corporation, used by lenders to gauge creditworthiness. All FICO scores are credit scores, but not all credit scores are FICO scores. FICO scores range from 300 to 850, with different versions like FICO 8 being the most common. VantageScore is another type of credit score gaining popularity. FICO scores are calculated based on payment history, credit utilization, credit age, credit mix, and inquiries. Regularly checking your credit score is crucial to maintain good credit health.

Durante la pandemia de COVID-19, han surgido estafas aprovechándose del caos y la necesidad de la gente. Estas incluyen estafas de pagos de estímulo, supuestos mensajes del IRS y tratamientos falsos. Es importante verificar la información recibida, especialmente si solicita datos personales, y confiar solo en fuentes oficiales como el IRS o la OMS para temas de salud y financieros.

Couples often merge finances after marriage, but keeping separate credit is wise to avoid shared debt responsibility, credit score damage from a partner's poor financial habits, and income-based credit limitations post-divorce. Individual accounts maintain financial independence and protect credit scores.

Reconstruir el crédito después de un divorcio implica crear un presupuesto, monitorear el puntaje crediticio, cerrar cuentas conjuntas, actualizar nombre tras un cambio de apellido, y realizar pagos puntuales. No se reconstruirá de la noche a la mañana pero es posible con buena gestión financiera.

Bad credit can increase insurance premiums as insurers use credit-based scores to predict risk and potential for claims. These specialized scores differ from regular credit scores and consider additional factors. Poor credit-based insurance scores may lead to higher premiums or denial of coverage, but consumers can work on improving their credit to potentially reduce future premiums.

If you didn't receive your $1,200 stimulus check from the CARES Act, first ensure you qualify based on income and dependency status. If you didn't file a tax return for 2018 or 2019, you can apply for your payment through the IRS website. Verify the IRS has the correct address on file for you. If everything is in order and you still haven't received your check, it may be due to postal delays, so wait a few more weeks.

Credit card churning involves frequently opening and closing credit card accounts to maximize rewards. While tempting, it has hidden costs and can impact your credit score. This guide covers identifying lucrative cards, application strategies, credit score implications, and managing issuer restrictions.

ChexSystems scores significantly impact banking opportunities and creditworthiness. Understanding and managing these scores through strategies like settling debts, monitoring accounts, and using overdraft protection can improve financial stability. Regularly reviewing your ChexSystems report and adopting positive banking behaviors are essential for long-term financial health and better access to banking services.