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Melinda Opperman - 1 Experian - 1 Opperman - 1
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☆ Here’s the credit score you need to buy a home—it’s not a perfect 850
  + stars: | 2023-09-23 | by ( Cheyenne Devon | ) www.cnbc.com   time to read: +1 min
If a low credit score is keeping you from buying a home, you're not alone. To qualify for a conventional loan, the most commonly used mortgage loan, you'll typically need at least a credit score of 620, Experian says. Here are the credit score ranges that qualify as poor, fair, good, very good and exceptional, according to Experian. "The score is a measure of risk, so the lower your score, the more risk the lender is taking with you," Opperman says. "The higher your score, the lower the risk, so a lender will charge you less interest the higher your score gets."
Persons: Melinda Opperman, Experian, Opperman Organizations: Survey, CNBC
☆ This credit card debt payoff strategy may sound 'too good to be true,' but it could save you thousands
  + stars: | 2023-03-21 | by ( Cheyenne Devon | ) www.cnbc.com   time to read: +3 min
If you don't know what a credit card balance transfer is, you're not alone. Say you have $5,805 in credit card debt, the average amount Americans hold, according to TransUnion. If you want to qualify for one, you need a good to excellent credit score. Pitfalls of credit card balance transfers to avoidThere are a few downsides to balance transfers. Commit to paying off credit card debt
☆ Millennials may be using credit cards as a “de facto emergency fund"—here's why they shouldn't
  + stars: | 2023-03-06 | by ( Cheyenne Devon | ) www.cnbc.com   time to read: +2 min
Millennials are the most likely generation to have more credit card debt than emergency savings, according to Bankrate's "2023 Annual Emergency Savings Report." This may mean that both of these groups are overly relying on credit cards, says Melinda Opperman, chief external affairs officer, at Credit.org. "When whole generations have more debt than emergency savings, that suggests they've been using credit cards as their emergency fund," she tells CNBC Make It. Many millennials and Gen Xers see their credit card as a "de facto emergency fund," Matt Schulz, chief credit analyst for LendingTree, tells CNBC Make It. As of February, the average credit card interest rate is 23.55% according to LendingTree's latest analysis.
☆ 6 reasons your credit card may be declined and what to do about it
  + stars: | 2022-11-01 | by ( Jill Burke | Read More | Read Less | ) www.businessinsider.com   time to read: +6 min
From exceeding your credit limit to fraud prevention, there are many reasons a credit card may be declined. Apply Now On Chase's website Apply Now On Chase's website Apply Now On Capital One's website6 of the most common reasons your credit card is declined1. You hit your credit limitIf you're at or near your credit limit, your card may be declined. Your credit card is expiredYour card will also be declined if it's past the expiration date. How to prevent your card from being declinedTo prevent your credit card from being declined, know your card's expiration date and notify your credit card company of international travel plans.
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