Personal finance Q&A: What to do when your father steals your identity

Personal finance Q&A: What to do when your father steals your identity

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Personal finance Q&A: What to do when your father steals your identity
If your boyfriend is not willing to file a police report, the debt is considered his and he probably will need to pay it, settle it or declare bankruptcy to move on with his financial life. If he's ready to … There's no credit score advantage to …
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7 times when bankruptcy can make sense

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7 times when bankruptcy can make sense
Common scenarios when bankruptcy should be seriously considered
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5 reasons why a nearly perfect credit score's not enough

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5 reasons why a nearly perfect credit score's not enough
It is possible to have an excellent score even if you filed bankruptcy in the past. For example, you could have filed six years ago and have behaved perfectly ever since. However, some lenders might still have a rule that prohibits anyone with a …
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Election Roundtable: How to protect yourself from identity theft

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Election Roundtable: How to protect yourself from identity theft
A play on the name of the agency — the Commision on Elections (Comelec) — that is at the center of a controversy created by the leak of data it gathered from registered voters, personal data that has since been downloaded first by Lulzsec.ph and then …
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Worst-Case Scenario: What Does a Late Payment Do to My Credit Score?

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Worst-Case Scenario: What Does a Late Payment Do to My Credit Score?
You can go here to see what a worst-case scenario bankruptcy could do to your credit.) However, Paperno said, a consumer could see their score return to its pre-late-payment days in a few years. In a worst-case scenario, one late payment will lead to …
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Obamacare Seems to Be Reducing People's Medical Debt

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Obamacare Seems to Be Reducing People's Medical Debt
Even if you lack health insurance, you'll probably be able to get treatment at a hospital in the event of a catastrophe — you're struck by a car, say. But having insurance can mean the difference between financial security and financial ruin. A new …
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10 Things I Hate About Student Loans

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10 Things I Hate About Student Loans
Student loans are generally not dischargeable in bankruptcy. Most student loans do not go away with … But these loans often require parents to co-sign and tend to have higher interest rates, depending on your credit score. (You can view your credit …
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What happens if you lie on your credit card application

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What happens if you lie on your credit card application
And, of course, they take your credit score into account as well. The bank (I don't know … In another scenario, let's say you max out your credit cards, can't afford the payments, and want to file bankruptcy to have the debts discharged. If the bank …
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Hawai'i Ranks 14th in Financially Savvy States

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Hawai'i Ranks 14th in Financially Savvy States
These metrics included annual savings account averages to personal bankruptcy rates and credit card debt as a percentage of income. Hawai'i was ranked among the states with the highest credit score at number four, after Minnesota, North Dakota, and …
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Worst-Case Scenario: What Does Bankruptcy Actually Do to My Credit Score?

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Worst-Case Scenario: What Does Bankruptcy Actually Do to My Credit Score?
It's the big, bad boogeyman of credit scores: bankruptcy. A formal declaration that you are incapable of paying off all your debts as agreed. And while taking such action could spare you from paying off all — or at least some — of the loans that put …
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Unexpected Ways To Hurt Your Credit Score

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Unexpected Ways To Hurt Your Credit Score
There's a good chance you know the big line items that can tank your credit score — bankruptcy, foreclosures. But there are some other ways you may not be aware of. The exact effects will vary depending on your full credit profile but experts say you …
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Could A New Credit Scoring System Affect Your Ability To Borrow?

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Could A New Credit Scoring System Affect Your Ability To Borrow?
Recently I wrote about how your bankruptcy score, a rating that predicts the likelihood that you'll become insolvent, could affect your ability to borrow. This rating, just like your credit score, is created by Equifax and TransUnion and is based on …
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Florida Credit repair and identity theft firm – The Credit Cleaners, LLC …

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Florida Credit repair and identity theft firm – The Credit Cleaners, LLC …
What is a credit report? What does mine say and how do I get one? These questions are on many people's minds and are one of the first topics discussed in the book. Legislation called the FACT Act was passed that allows all Americans to get one free …
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7 Easy Ways to Protect Yourself from Identity Theft

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7 Easy Ways to Protect Yourself from Identity Theft
You've heard the horror stories from friends and neighbors, or maybe you've lived through some yourself: In 2015, 13.1 million Americans had their identity stolen, the highest number in six years. Victims, including consumers, banks and others, lost …
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How to boost your credit score

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How to boost your credit score
There are many ways to boost your credit score, but prioritizing which debts to pay down first can make a difference. … And because student debt is not dischargeable in bankruptcy, your wages could be garnished if you don't pay up. The fact that you …
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Applying for a Credit Card After Bankruptcy

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Applying for a Credit Card After Bankruptcy
If a card doesn't report to at least one of the three major credit bureaus, positive activity on your account — such as making payments on time and keeping your balance low — won't improve your credit score. The more bureaus a card reports to, the …
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Should you buy credit and identity theft monitoring?

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Should you buy credit and identity theft monitoring?
Credit monitoring is a job you can do yourself if you're willing to take the time. If all you want is to chart your progress as you try to build or rebuild your credit, doing it yourself has never been easier. Federal law requires each of the three …
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31 ways you're ruining your credit

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31 ways you're ruining your credit
Choosing to avoid credit after a bankruptcy can backfire. “When you do nothing after a bankruptcy, the credit score stays low,” Kelly said. Instead, get a secured credit card — which will have a credit limit based on an amount you deposit with the …
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What to expect from your identity monitoring service

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What to expect from your identity monitoring service
When you sign up for LifeLock, credit monitoring is just the beginning. LifeLock has plans that also monitor other places that thieves might misuse your information, such as your bank accounts, black market sites, payday loan companies, public court …
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Under the hood of the credit-score process

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Under the hood of the credit-score process
If you're not sure, pick up a copy of "Your Credit Score: How to Fix, Improve and Protect the 3-Digit Number that Shapes Your Financial Future" (FT Press, $26.99), by personal-finance author Liz Weston, who writes the syndicated column "Money Talk." Be …
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Identity theft protection: Your questions answered

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Identity theft protection: Your questions answered
Today, we will have officials from the Ohio Attorney General's Office, the FBI and the Federal Trade Commission here at FOX 8 to answer your questions about identity theft — how you can protect yourself, ways to avoid becoming a victim, and what to do …
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The Color of Money: Boost your all-important credit score

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The Color of Money: Boost your all-important credit score
If you're not sure, pick up the Color of Money Book Club selection for this month, "Your Credit Score: How to Fix, Improve and Protect the 3-Digit Number that Shapes Your Financial Future" (FT Press, $26.99), by personal-finance author Liz Weston, who …
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For Older Borrowers, Being Thrifty Can Tarnish a Credit Score

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For Older Borrowers, Being Thrifty Can Tarnish a Credit Score
One factor that usually favors older people is credit score, which is based on “propensity to repay a debt, regardless of your income or assets,” said Rod Griffin, director of public education at Experian, one of the three large companies that report …
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Understanding your credit score and how to raise it

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Understanding your credit score and how to raise it
If you're not sure, pick up this month's Color of Money Book Club selection, “Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future,” by personal-finance author Liz Weston, who writes the syndicated column “Money Talk …
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In Detroit, people are urged to get a second mortgage when buying a house

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In Detroit, people are urged to get a second mortgage when buying a house
The city of Detroit, which filed for bankruptcy in 2013, has been desperate to revitalize neighborhoods and increase property-tax revenue. The latest problem, said Laurie Goodman, director of the Housing Finance Policy Center, a research group based in …
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Credit 360: Get your bad credit back in the green

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Credit 360: Get your bad credit back in the green
Buying a house or car may seem impossible if you have a bad credit score. Improving that credit score may seem intimidating, but there are ways to successfully turn bad credit around. Marco Salinas, President of Credit 360, has the insight and …
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How to Avoid Being a Victim of Tax-Time Identity Theft

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How to Avoid Being a Victim of Tax-Time Identity Theft
Consider signing up for a credit monitoring program. If you've been a victim of tax-time identity theft, there's a good chance your information may be used for other forms of fraud as well. Credit monitoring programs can alert you to potential problems.
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