Credit Score

For Buyers, Credit Matters—but How Much?

May 20th, 2018
Borrowers not as creditworthy as others often have higher mortgage payments; in fact, according to an analysis recently released by Zillow, the average borrower categorized with credit as “fair” can be on the hook for $21,000 more than a borrower...

Home-Buying Challenges: Report Finds Homeownership Delays

November 18th, 2017
Homeownership is considered a challenging stepping stone on the path to the American Dream—a fact that is especially true for many millennial and minority consumers. The fifth annual America at Home survey by non-profit NeighborWorks America found that down payment...

How ‘Free’ Is Your State?

July 2nd, 2017
How “free” is your state? A recent study conducted by WalletHub identifies the most and least “independent” states based on health- and wealth-related dependencies in five categories: “consumer finances,” such as credit scores and emergency savings; “government,” or federal funding;...

CFPB Explores Alternative Routes for ‘Credit Invisibles’

February 22nd, 2017
Twenty-six million Americans are “credit invisible,” or lacking enough credit history to generate a credit score—a factor most lenders use to evaluate loan applications. The Consumer Financial Protection Bureau (CFPB) has begun exploring alternative routes to determine creditworthiness, including cell...

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