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CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. WHAT QUALIFIES AS AN ASSET? Although both have monetary value that can be counted as an asset, it is likely that they hold far more sentimental value. Mutual funds. If you hold mutual funds in a taxable investment account, those funds are considered an asset. Stocks and bonds. Similarly, stocks and bonds held in your name are considered assets. Vehicles. HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
HOW MUCH SHOULD YOU SPEND ON GROCERIES? On this plan, an individual will spend $210 – $242 per month, while a family of four will spend $726 – $855. Moderate-Cost: This plan represents the second from the top quartile of food spending. On this plan, an individual will spend $257 – $303 per month, while a family of four will spend $894 – $1,068 per month.CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. WHAT QUALIFIES AS AN ASSET? Although both have monetary value that can be counted as an asset, it is likely that they hold far more sentimental value. Mutual funds. If you hold mutual funds in a taxable investment account, those funds are considered an asset. Stocks and bonds. Similarly, stocks and bonds held in your name are considered assets. Vehicles. HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
HOW MUCH SHOULD YOU SPEND ON GROCERIES? On this plan, an individual will spend $210 – $242 per month, while a family of four will spend $726 – $855. Moderate-Cost: This plan represents the second from the top quartile of food spending. On this plan, an individual will spend $257 – $303 per month, while a family of four will spend $894 – $1,068 per month. UNDERSTANDING CREDIT CARD GRACE PERIODS A normal grace period for a credit card ranges from 25 – 30 days, though it’s not required for your credit card issuer to fall within these margins. Some grace periods could span over a month, while others are as short as 21 days. In fact, according to the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, card issuers must plan to disperse bills or post them HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
CYCLICAL UNEMPLOYMENT: WHAT YOU NEED TO KNOW Cyclical Unemployment, Defined. In a nutshell, cyclical unemployment occurs when economic demand is too low to support peak employment. This happens during slow economic growth and other periods of economic contraction. With fewer people requesting goods and services, companies need fewer people to produce them, sell them and servicethem.
WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
HOME AFFORDABILITY CALCULATOR: WHAT IT IS & HOW TO USE IT The home affordability calculator is very easy to use. It will walk you through a few screens that will ask about your annual income, monthly debts, location, and available funds for a down payment. After that, you’ll find out how much you can afford to spend on a home within a few seconds. You’ll see the breakdown of what you canafford to
MODIFIED ADJUSTED GROSS INCOME: WHAT IS MAGI? Step 1: Find Your Gross Yearly Income. Gross income is defined by the IRS as income for services, also including fees, commissions, fringe benefits and other items like these. Basically, gross income is any taxable income before the taxes are taken out. This can be WHY DO LENDERS NEED MY CREDIT REPORT AND SCORE? When lenders pull your credit, they’re looking for two things: your debt-to-income ratio (DTI) and your credit score. Let’s briefly talk about both of these. Debt-to-income ratio (DTI) DTI is a ratio comparing your monthly income to your monthly revolving and installment debt payments. TAX DEDUCTIONS FOR FIRST-TIME HOME BUYERS State And Local Tax Deductions (SALT) You can also deduct your state and local taxes as well as real estate taxes. There’s now a limit of $10,000 on this deduction. This limit is the total of combined state and local property taxes and income taxes or sales taxes, but not both income/property taxes and sales taxes. AVERAGE UTILITY BILL SPENT BY U.S. HOUSEHOLD EACH YEAR That said, the U.S. Energy Information Administration said that the average electric bill for U.S. households came in at $111.67 per month in 2017. Again, though, how much you pay can vary depending on where you live. In Hawaii, for example, the Administration said that the average monthly electric bill came in at a far higher $149.33 in 2017.CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. HOW TO LOOK AT YOUR CREDIT SCORE Though each credit scoring model considers their own unique factors, the FICO ® scoring model is an industry standard and is the most commonly used scoring model. Here’s what factors affect the FICO ® scoring model:. Payment History. Payment history is the most important variable that affects your FICO ® Score, making up 35% of your total score. This factor looks at your payment record SHOULD I PAY OFF MY STUDENT LOANS IN 2021? The office of Federal Student Aid first began suspending loan payments and waiving interest on federal student loans in March 2020. The Coronavirus Aid, Relief and Economic Security Act (CARES Act) was signed into law on March 27, 2020 which extended the student loan relief measures until September 30, 2020. START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on HOW TO ASK FOR A PAY RAISE IN 2021 To play it safe, there are two options. Stick to your company’s average pay raise percentage or stay around the national average annual raise, which is expected to be about 3.0% in 2021, according to WorldatWork’s Salary Budget Survey.. To go big or go home, you may consider following Business Insider's suggestion to ask for 10% - 20% more than your current salary – but tread lightly. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. HOW TO LOOK AT YOUR CREDIT SCORE Though each credit scoring model considers their own unique factors, the FICO ® scoring model is an industry standard and is the most commonly used scoring model. Here’s what factors affect the FICO ® scoring model:. Payment History. Payment history is the most important variable that affects your FICO ® Score, making up 35% of your total score. This factor looks at your payment record SHOULD I PAY OFF MY STUDENT LOANS IN 2021? The office of Federal Student Aid first began suspending loan payments and waiving interest on federal student loans in March 2020. The Coronavirus Aid, Relief and Economic Security Act (CARES Act) was signed into law on March 27, 2020 which extended the student loan relief measures until September 30, 2020. START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on HOW TO ASK FOR A PAY RAISE IN 2021 To play it safe, there are two options. Stick to your company’s average pay raise percentage or stay around the national average annual raise, which is expected to be about 3.0% in 2021, according to WorldatWork’s Salary Budget Survey.. To go big or go home, you may consider following Business Insider's suggestion to ask for 10% - 20% more than your current salary – but tread lightly. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
UNDERSTANDING CREDIT CARD GRACE PERIODS A normal grace period for a credit card ranges from 25 – 30 days, though it’s not required for your credit card issuer to fall within these margins. Some grace periods could span over a month, while others are as short as 21 days. In fact, according to the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, card issuers must plan to disperse bills or post them BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. LIENS: WHAT THEY ARE AND WHAT THEY MEAN FOR YOU A lien is a property right someone has on your home or another piece of property. If for whatever reason you default on your payments or otherwise violate the terms of a contract, the lienholder has the option of taking your property back as compensation. The most common type of lien is a mortgage. If you fail to make your house payments,the
HOW MUCH SHOULD YOU SPEND ON GROCERIES? On this plan, an individual will spend $210 – $242 per month, while a family of four will spend $726 – $855. Moderate-Cost: This plan represents the second from the top quartile of food spending. On this plan, an individual will spend $257 – $303 per month, while a family of four will spend $894 – $1,068 per month. WHY DO LENDERS NEED MY CREDIT REPORT AND SCORE? When lenders pull your credit, they’re looking for two things: your debt-to-income ratio (DTI) and your credit score. Let’s briefly talk about both of these. Debt-to-income ratio (DTI) DTI is a ratio comparing your monthly income to your monthly revolving and installment debt payments. 100 FRUGAL LIVING TIPS FOR SENIORS Check out our top 100 tips for frugal living below. 1. Take Advantage Of The Senior Discount. Senior discounts seem to be everywhere. Many stores and restaurants offer senior patrons a good deal. Whether it’s a 10% discount at Dairy Queen or 15% off on Wednesdays at Kohl’s, make sure to cash in on these deals. 2. OVERCOMING BANKRUPTCY & $30K IN CREDIT CARD DEBT Overcoming Bankruptcy, Bad Credit And $30K In Credit Card Debt: A Credit Success Story. Kate Raidt has said that bankruptcy is the best thing that ever happened to her. In a blog post on her website, kateraidt.com, Raidt said it was the wake-up call she needed to turn her finances around. CAN FHA CLOSING COSTS BE PAID BY THE SELLER? With one notable limitation, funds from the seller can be used to pay for almost any mortgage closing costs.FHA loans are no exception to this rule. A buyer submitting an offer looking for lots of seller concessions might see their proposal cast aside on the reject pile, so there is a balance that needs to be hit, but there are instances where seller concessions may make sense for everyone.CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. HOW TO LOOK AT YOUR CREDIT SCORE Though each credit scoring model considers their own unique factors, the FICO ® scoring model is an industry standard and is the most commonly used scoring model. Here’s what factors affect the FICO ® scoring model:. Payment History. Payment history is the most important variable that affects your FICO ® Score, making up 35% of your total score. This factor looks at your payment record SHOULD I PAY OFF MY STUDENT LOANS IN 2021? The office of Federal Student Aid first began suspending loan payments and waiving interest on federal student loans in March 2020. The Coronavirus Aid, Relief and Economic Security Act (CARES Act) was signed into law on March 27, 2020 which extended the student loan relief measures until September 30, 2020. START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on WHAT IS AN ANNUITY AND IS IT WORTH THE INVESTMENT? There are two phases of an annuity: accumulation and annuitization. Accumulation Phase – The phase of an annuity during which you’re making payments and building up cash value. Usually, this is in the early stages. Once this is over, you flow into the annuitization phase. Annuitization Phase – The phase of the annuity when all themoney
HOW TO ASK FOR A PAY RAISE IN 2021 To play it safe, there are two options. Stick to your company’s average pay raise percentage or stay around the national average annual raise, which is expected to be about 3.0% in 2021, according to WorldatWork’s Salary Budget Survey.. To go big or go home, you may consider following Business Insider's suggestion to ask for 10% - 20% more than your current salary – but tread lightly. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. HOW TO LOOK AT YOUR CREDIT SCORE Though each credit scoring model considers their own unique factors, the FICO ® scoring model is an industry standard and is the most commonly used scoring model. Here’s what factors affect the FICO ® scoring model:. Payment History. Payment history is the most important variable that affects your FICO ® Score, making up 35% of your total score. This factor looks at your payment record SHOULD I PAY OFF MY STUDENT LOANS IN 2021? The office of Federal Student Aid first began suspending loan payments and waiving interest on federal student loans in March 2020. The Coronavirus Aid, Relief and Economic Security Act (CARES Act) was signed into law on March 27, 2020 which extended the student loan relief measures until September 30, 2020. START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on WHAT IS AN ANNUITY AND IS IT WORTH THE INVESTMENT? There are two phases of an annuity: accumulation and annuitization. Accumulation Phase – The phase of an annuity during which you’re making payments and building up cash value. Usually, this is in the early stages. Once this is over, you flow into the annuitization phase. Annuitization Phase – The phase of the annuity when all themoney
HOW TO ASK FOR A PAY RAISE IN 2021 To play it safe, there are two options. Stick to your company’s average pay raise percentage or stay around the national average annual raise, which is expected to be about 3.0% in 2021, according to WorldatWork’s Salary Budget Survey.. To go big or go home, you may consider following Business Insider's suggestion to ask for 10% - 20% more than your current salary – but tread lightly. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
DO I HAVE A CREDIT SCORE? It depends. If you have at least one line of credit that’s been open for at least 6 months, you’ll have a credit score when you’re 20. If you opened a credit card, took a car loan or took on student debt, you will have a credit score. In some cases, if you have a utility bill or cell phone under your name, you might have a score. PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. MODIFIED ADJUSTED GROSS INCOME: WHAT IS MAGI? Step 1: Find Your Gross Yearly Income. Gross income is defined by the IRS as income for services, also including fees, commissions, fringe benefits and other items like these. Basically, gross income is any taxable income before the taxes are taken out. This can be WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
100 FRUGAL LIVING TIPS FOR SENIORS Check out our top 100 tips for frugal living below. 1. Take Advantage Of The Senior Discount. Senior discounts seem to be everywhere. Many stores and restaurants offer senior patrons a good deal. Whether it’s a 10% discount at Dairy Queen or 15% off on Wednesdays at Kohl’s, make sure to cash in on these deals. 2. CAN FHA CLOSING COSTS BE PAID BY THE SELLER? With one notable limitation, funds from the seller can be used to pay for almost any mortgage closing costs.FHA loans are no exception to this rule. A buyer submitting an offer looking for lots of seller concessions might see their proposal cast aside on the reject pile, so there is a balance that needs to be hit, but there are instances where seller concessions may make sense for everyone. OVERCOMING BANKRUPTCY & $30K IN CREDIT CARD DEBT Overcoming Bankruptcy, Bad Credit And $30K In Credit Card Debt: A Credit Success Story. Kate Raidt has said that bankruptcy is the best thing that ever happened to her. In a blog post on her website, kateraidt.com, Raidt said it was the wake-up call she needed to turn her finances around.CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. WHAT QUALIFIES AS AN ASSET? Although both have monetary value that can be counted as an asset, it is likely that they hold far more sentimental value. Mutual funds. If you hold mutual funds in a taxable investment account, those funds are considered an asset. Stocks and bonds. Similarly, stocks and bonds held in your name are considered assets. Vehicles. PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
CYCLICAL UNEMPLOYMENT: WHAT YOU NEED TO KNOW Cyclical Unemployment, Defined. In a nutshell, cyclical unemployment occurs when economic demand is too low to support peak employment. This happens during slow economic growth and other periods of economic contraction. With fewer people requesting goods and services, companies need fewer people to produce them, sell them and servicethem.
AVERAGE UTILITY BILL SPENT BY U.S. HOUSEHOLD EACH YEAR That said, the U.S. Energy Information Administration said that the average electric bill for U.S. households came in at $111.67 per month in 2017. Again, though, how much you pay can vary depending on where you live. In Hawaii, for example, the Administration said that the average monthly electric bill came in at a far higher $149.33 in 2017.CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. WHAT QUALIFIES AS AN ASSET? Although both have monetary value that can be counted as an asset, it is likely that they hold far more sentimental value. Mutual funds. If you hold mutual funds in a taxable investment account, those funds are considered an asset. Stocks and bonds. Similarly, stocks and bonds held in your name are considered assets. Vehicles. PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
CYCLICAL UNEMPLOYMENT: WHAT YOU NEED TO KNOW Cyclical Unemployment, Defined. In a nutshell, cyclical unemployment occurs when economic demand is too low to support peak employment. This happens during slow economic growth and other periods of economic contraction. With fewer people requesting goods and services, companies need fewer people to produce them, sell them and servicethem.
AVERAGE UTILITY BILL SPENT BY U.S. HOUSEHOLD EACH YEAR That said, the U.S. Energy Information Administration said that the average electric bill for U.S. households came in at $111.67 per month in 2017. Again, though, how much you pay can vary depending on where you live. In Hawaii, for example, the Administration said that the average monthly electric bill came in at a far higher $149.33 in 2017.CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
TAX RETURNS: WHAT ARE THEY AND HOW DO THEY WORK? Depending on your income and filing status, your money will be taxed at a different rate. Currently, there are seven tax brackets: 10%, 12%, 22%, 24%, 32%, 35% and 37%. If you fall into the 35% bracket, your income will be taxed at 35%. If you fall into the THE HISTORY OF CREDIT The History Of Credit. 4-minute read October 15, 2020. Believe it or not, America’s love-hate relationship with credit began before the 1900s. The earliest and most common form of credit were loans from local shopkeepers. That’s right, hardworking Americans ran tabs to buy groceries, furniture, farm equipment and the like when times weretight.
CYCLICAL UNEMPLOYMENT: WHAT YOU NEED TO KNOW Cyclical Unemployment, Defined. In a nutshell, cyclical unemployment occurs when economic demand is too low to support peak employment. This happens during slow economic growth and other periods of economic contraction. With fewer people requesting goods and services, companies need fewer people to produce them, sell them and servicethem.
HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
100 FRUGAL LIVING TIPS FOR SENIORS Check out our top 100 tips for frugal living below. 1. Take Advantage Of The Senior Discount. Senior discounts seem to be everywhere. Many stores and restaurants offer senior patrons a good deal. Whether it’s a 10% discount at Dairy Queen or 15% off on Wednesdays at Kohl’s, make sure to cash in on these deals. 2. DO YOU QUALIFY FOR AN EARNED INCOME TAX CREDIT IN 2020 To determine how much earned income tax credit you qualify for, you can consult the IRS’ website, which offers a simple to use guide. EIC or EITC ranges from $529 up to $6,557 for tax year 2019, and from $538 to $6,660 for tax year 2020. As a general rule of thumb, the less money you earn, the larger the earned income credit you’ll receive. HOW DO YOU BUY YOUR FIRST INVESTMENT PROPERTY? Purchasing your first rental property is a big step for any investor. It’s one of the largest assets you can buy, and with a little bit of time and effort, it can be a great way to generate passive income.. But before you become a real estate mogul and start building an THE PINK TAX: WHAT IS IT AND HOW CAN I AVOID IT? In many ways, the pink tax is a reflection of the ways we raise girls versus the ways we raise boys, and the things we value as a society. “Culturally speaking, women are under far greater pressure to conform to appearance norms – to look ‘put together,’ wearmake-up,
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. INDEX FUNDS EXPLAINED (SO YOU ACTUALLY UNDERSTAND THEM Index funds have surpassed traditional mutual funds as the popular investment for wealth building. It’s understandable: the fees are lower, and the returns have proven profitable for many. Created in 1975 by Jack Bogle, the idea was to give the individual investor an opportunity to invest like the professionals – without the costs of CYCLICAL UNEMPLOYMENT: WHAT YOU NEED TO KNOW Cyclical Unemployment, Defined. In a nutshell, cyclical unemployment occurs when economic demand is too low to support peak employment. This happens during slow economic growth and other periods of economic contraction. With fewer people requesting goods and services, companies need fewer people to produce them, sell them and servicethem.
PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
HOW MUCH SHOULD YOU SPEND ON GROCERIES? On this plan, an individual will spend $210 – $242 per month, while a family of four will spend $726 – $855. Moderate-Cost: This plan represents the second from the top quartile of food spending. On this plan, an individual will spend $257 – $303 per month, while a family of four will spend $894 – $1,068 per month. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
BEST $500-LIMIT CREDIT CARDS IN 2021 The Chase Freedom Unlimited ® card offers some cardholders a $500 limit without any annual fees. The card offers interest rates between 14.99% – 23.74%, though you'll get an intro APR of 0% on purchases for your first 15 months. With this card, you'll get unlimited 1.5% cash back on every purchase you make. BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
SALES TAX BY STATE: 2020 RATES Local governments are allowed to collect their own sales taxes in 38 states, which are used to fund various public works initiatives. These local sales taxes can approach, or even in select cases exceed, state sales tax rates, with amounts differing by jurisdiction. INDEX FUNDS EXPLAINED (SO YOU ACTUALLY UNDERSTAND THEM Index funds have surpassed traditional mutual funds as the popular investment for wealth building. It’s understandable: the fees are lower, and the returns have proven profitable for many. Created in 1975 by Jack Bogle, the idea was to give the individual investor an opportunity to invest like the professionals – without the costs of CYCLICAL UNEMPLOYMENT: WHAT YOU NEED TO KNOW Cyclical Unemployment, Defined. In a nutshell, cyclical unemployment occurs when economic demand is too low to support peak employment. This happens during slow economic growth and other periods of economic contraction. With fewer people requesting goods and services, companies need fewer people to produce them, sell them and servicethem.
PAY OFF YOUR MORTGAGE FASTER WITH BIWEEKLY PAYMENTS With a 4.00% home loan, you’ll pay somewhere in the neighborhood of $143,740 in interest over the life of your repayment if you make standard monthly payments as scheduled. However, by splitting that monthly payment in half and making a partial payment every 2 weeks, you’ll reduce that by tens of thousands! Standard 30-Year Repayment. THE PROS AND CONS OF GIVING AN ALLOWANCE There are many benefits to giving your children an allowance. Some of these benefits include: An allowance can teach kids about finances, responsibility and the consequences of poor financial decisions.In 2017, Champlain College’s Center for Financial Literacy graded all 50 states on their attempt to produce financially literate high schoolgraduates.
HOW MUCH SHOULD YOU SPEND ON GROCERIES? On this plan, an individual will spend $210 – $242 per month, while a family of four will spend $726 – $855. Moderate-Cost: This plan represents the second from the top quartile of food spending. On this plan, an individual will spend $257 – $303 per month, while a family of four will spend $894 – $1,068 per month. WHAT IS AN ESCROW SHORTAGE? An escrow shortage refers to any time when your escrow balance falls below a minimum required level. We’ll get into how that level is defined later, but for now, what’s important to understand is that you have a shortage anytime the minimum balance isn’t met. In addition to a shortage, there’s also something called an escrowdeficiency.
CREDIT | ROCKET HQ
Credit 5-minute read. October 15, 2020. Everyone’s heard the term “credit score,” but that doesn’t mean they know what it is, how to access it or that each person has more than one. Luckily, checking your credit score is not as difficult as you might think. Here is everything you need to know to become an expert at managing yourcredit.
INDEX FUNDS EXPLAINED (SO YOU ACTUALLY UNDERSTAND THEM Index funds have surpassed traditional mutual funds as the popular investment for wealth building. It’s understandable: the fees are lower, and the returns have proven profitable for many. Created in 1975 by Jack Bogle, the idea was to give the individual investor an opportunity to invest like the professionals – without the costs of BEST STOCKS TO BUY (FOR BEGINNERS AND PROS) Nasdaq. The Nasdaq is the world's second-largest stock exchange, founded by the National Association of Securities Dealers in 1971. Also located in Manhattan, Nasdaq is a publicly traded company listed on its own exchange, earning hundreds of millions of dollars in traderevenue yearly.
MODIFIED ADJUSTED GROSS INCOME: WHAT IS MAGI? Step 1: Find Your Gross Yearly Income. Gross income is defined by the IRS as income for services, also including fees, commissions, fringe benefits and other items like these. Basically, gross income is any taxable income before the taxes are taken out. This can be START 'EM YOUNG: HOW TO IMPROVE YOUR CHILD'S CREDIT SCORE Though 18 is considered the threshold for adulthood, your children can begin building their credit at even younger ages. In fact, there is no reason that you can’t help your child build a healthy credit score as a minor. Many parents consider 16 to be a great age for building credit scores and honing those important financial management skills. 100 FRUGAL LIVING TIPS FOR SENIORS Check out our top 100 tips for frugal living below. 1. Take Advantage Of The Senior Discount. Senior discounts seem to be everywhere. Many stores and restaurants offer senior patrons a good deal. Whether it’s a 10% discount at Dairy Queen or 15% off on Wednesdays at Kohl’s, make sure to cash in on these deals. 2. HOW TO GET A CREDIT SCORE OF 700 OR 800 (OR MORE) Created by the Fair Isaac Corporation, FICO ® Score is the most widely used credit score for lending decisions. According to FICO ®, a score of 670 to 739 is a good credit score and slightly above the average U.S. consumer’s score.Meanwhile, 740 to 799 is very good and anything 800 and above is exceptional. VantageScore ® is another commonly used credit score, which, like FICO ®, runs on HOW TO CASH OUT YOUR 401K AND WHAT TO CONSIDER Step 2: Contact your 401 (k) plan provider (contact information can be found on your plan statements) and request that they send you the information and paperwork needed to cash out your plan, which should be promptly completed. Select providers may be able to facilitate these requests online or via phone as well. HOW TO ASK FOR A PAY RAISE IN 2021 To play it safe, there are two options. Stick to your company’s average pay raise percentage or stay around the national average annual raise, which is expected to be about 3.0% in 2021, according to WorldatWork’s Salary Budget Survey.. To go big or go home, you may consider following Business Insider's suggestion to ask for 10% - 20% more than your current salary – but tread lightly. AVERAGE UTILITY BILL SPENT BY U.S. HOUSEHOLD EACH YEAR That said, the U.S. Energy Information Administration said that the average electric bill for U.S. households came in at $111.67 per month in 2017. Again, though, how much you pay can vary depending on where you live. In Hawaii, for example, the Administration said that the average monthly electric bill came in at a far higher $149.33 in 2017.Buy
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HOW DOES MY CREDIT IMPACT BUYING AND SELLING A HOUSE? Credit impacts your mortgage eligibility, which may influence your ability to buy a home. Typically, the higher your credit score, the more money lenders will extend to you and at better interest rates. You can still buy a home with lower credit, but it can be more expensive as the interest rates you pay on the loan could be higher. WHAT CREDIT INFORMATION DO I GET FROM ROCKET HOMES®? Gain access to your free TransUnion® Credit Report and VantageScore® 3.0, updated every week. See your payment history, account information, and get credit monitoring alerts anytime your reportchanges.
WHEN DOES PULLING YOUR CREDIT AFFECT YOUR CREDIT SCORE? Checking your credit with Rocket Homes® is a soft inquiry and won’t hurt your score. This is different than a hard inquiry that lenders do when you apply for a loan or credit card. This shows up on your credit report, and too many hard inquiries can impact your score. More Frequently Asked Questions About Credit HOW DO I RAISE MY SCORE?__
There are several ways you can improve your credit score including: * 1. Making all your payments on-time and in full. * 2. Keeping your credit utilization and debt levels low. * 3. Having a mix of different credit accounts. * 4. Limiting the amount of hard inquiries on your report. * 5. Dispute any wrong information on your report that may be hurtingyour score.
To learn more ways to improve your score over time, you can visit ourLearning Center
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WHAT CREDIT DO I NEED TO GET THE BEST LOAN/RATE?__
While lenders vary in what score will pre-qualify you and at what interest rate, our sister company, Rocket Mortgage requires a minimum FICO credit score of 620 for a conventional loan and 580 for an FHA loan. A higher credit score will generally help get you better loan terms and a lower interest rate, which will save you money over time. HOW DOES MY CREDIT AFFECT MY ABILITY TO GET A MORTGAGE?__
Your credit score is one of the many factors that determine if you qualify to get a mortgage and at what interest rates. Lenders look at your credit score, income, debt levels and several other factors when they’re deciding if they will lend you money. It’s important to understand your credit score and the factors that influence it as you start searching for a home. This will help you understand what you might qualify for and give you time to improve your credit before applying for a mortgage if you need to. WHAT IS A CREDIT SCORE?__
A credit score is a number between 300 and 850 that is used to represent a person’s creditworthiness. Typically, the higher the score, the better your chances of qualifying for a loan at a goodinterest rate.
Your credit report shows specific information about your loans and credit cards, which influences your credit score. You’re able to see both your full credit report and score with Rocket Homes®. WHO DOES ROCKET HOMES® PARTNER WITH TO GET MY SCORE?__
Rocket Homes® partners with TransUnion® to provide your TransUnion® Credit Report and your VantageScore® 3.0. WHAT ARE CREDIT ERRORS AND HOW DO I REPORT THEM?__
Sometimes errors can occur on your credit report, for example, your address is wrong or there’s an account named that isn’t yours. We receive your credit report directly from TransUnion®. If there's an error on your report, you can file a dispute directly through them. You can contact TransUnion® at (800) 916-8800 or begin a dispute on their website.
For further information, please visit TransUnion®'s FAQ page.
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Quicken Loans®, Rocket Homes Real Estate LLC, and Rocket Loans® are separate operating subsidiaries of RKT Holdings, LLC. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable legal and regulatory requirements. 2021 Rocket Homes Real Estate LLC. All Rights Reserved. Welcome To The Enhanced Experience! The Rocket HQ features you love are now part of Rocket HomesSM.Continue
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