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The collection's existence on your credit report can severely lower your credit score and impact future loans. Here's what you need to know about the impact of collections and how to get them removed from your credit report. As it ages on your credit report, its effect on your credit score will decrease until it falls off entirely. How can you remove collections from a credit report? There are a few different — and completely legal — ways you can try to remove it from your credit report to fix your credit score.

Persons: it's, there's, you've, Markia Brown, John Owens, Brown, Owens, Rick Eicheldinger, Zarrad, Eicheldinger, Jennifer, Read Organizations: Monterey Financial Services, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: America, TheGrio, New York City

Although there are no restrictions on how often you can file for bankruptcy, there are restrictions on how often you can receive a discharge. While Chapter 7 and Chapter 13 bankruptcies will have the same effect on your credit score, creditors may view a Chapter 13 bankruptcy more favorably. A Chapter 7 bankruptcy will stay on your credit report for 10 years, while a Chapter 13 bankruptcy will fall off after seven years. Frequently asked questions about how often you can file for bankruptcyCan I file a Chapter 13 bankruptcy after a Chapter 7 bankruptcy? Yes, you can file Chapter 13 after Chapter 7 bankruptcy, but you must wait at least four years after the discharge of your Chapter 7 to file Chapter 13.

Persons: Filers, you've, Adrienne Hines, Hines, Scott Glatstian, Rosenblum, Lamine Zarrad, —, Jennifer, Read Organizations: refiling, Wright Co, Rosenblum Law, Federal Trade Commission, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: Kademenos, Chevron, America, TheGrio, New York City

A score between 580 to 669 is considered a fair credit score while a score under 580 is considered a poor credit score. Free credit score check servicesWhile many of these services do charge money, some of the best credit monitoring services are free, such as Capital One CreditWise or Credit Karma. As the base on which your credit score is calculated, credit reports don't actually include your credit scores. Checking credit score frequently asked questionsWill checking my credit score lower it? Your credit reports do not show when you check your credit score, so the credit scoring algorithms have no way of knowing if you checked your credit score.

Persons: Experian, FICO, you've, they're, VantageScore VantageScore, it's, Kendall Clayborne, Clayborne, Jennifer, Read Organizations: Fair, Consumers, Business, America, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: AnnualCreditReport.com, Chevron, TheGrio, New York City

The average FICO credit score is 718, and the average VantageScore credit score is 702. Minnesota has the highest average FICO credit score, with an average FICO score of 742. Understanding credit scoresWhat a credit score meansA credit score is a number that indicates how likely a person is to repay their creditors back on time, based on payment history from their credit report. The 10 states with the lowest average VantageScore credit scores show a similar pattern, predominantly comprised of southern states. Along with exploring credit scores, credit reports, and how to build credit, Jennifer analyzes how current economic trends impact everyday people and offers her expert advice on budgeting, saving, and growing wealth in today’s economy.

Persons: you've, Experian, You'd, aren't, Jennifer, Read Organizations: Minnesota, . Vermont, Wisconsin, ., . New Hampshire, Washington, . South Dakota, . North Dakota, Hawaii, . Massachusetts, . Montana, Oregon, Vermont, . Wisconsin, Colorado, South Carolina, . Arkansas, Oklahoma, Georgia, . Texas, Alabama, Louisiana, US Census, West Virginia, . Kentucky, Business, America, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: Minnesota, . Mississippi, Mississippi, . New, . South, . North, Hawaii, Nevada, New Mexico, South, United States, Chevron, U.S, TheGrio, New York City

☆ The problem with Biden’s and Trump’s economic records: They’re really messy
▼ + stars: | 2024-06-29 | by ( Alicia Wallace | ) edition.cnn.com time to read: +4 min

“Interpreting economic data is like interpreting a Monet painting in the best of times,” Mark Zandi, chief economist at Moody’s Analytics, told CNN in an interview. “When President Biden takes credit for all jobs and says Trump lost all the jobs? “And until it does, we won’t have a real good sense of what the new metrics are that reflect the direction in the economy and consumer confidence.”Twenty years ago, presidential elections came down to “jobs, jobs, jobs,” Brusuelas said. “They’re going to be thinking, ‘Wait a minute, all this money’s going into this and can replace the job that guys like me do? For the average person, the economic data only means so much anyways, Brusuelas said, adding that it comes down to “protein and petrol” versus percentage points.

Persons: Monet, ” Mark Zandi, it’s, Joe Biden, Donald Trump, “ Trump, Biden, ” Zandi, “, Trump, ”, Joe Brusuelas, ” Brusuelas, “ That’s, It’s, They’re, ’ ”, Brusuelas Organizations: CNN, Moody’s, Trump, RSM, Democrat, Nvidia, “ Locations: what’s

LONDON (AP) — Russia's State Duma took a step forward Wednesday towards approving its biggest-ever federal budget which will increase spending by around 25% in 2024, with record amounts going on defense. Part of the Russian budget is secret as the Kremlin tries to conceal its military plans and sidestep scrutiny of its war in Ukraine. Analysts suggest Russia is in third place globally for defense spending behind China and the United States, which spends around $850 billion a year. The main driver of that growth is Russia's war in Ukraine, which is now as important to the Kremlin economically as it is politically. If there is a reduction in military spending, or a need to reduce spending which impacts living standards, it could send shockwaves through the Russian economy and significantly impact ordinary people.

Persons: Vladimir Putin, ”, Richard Connolly, Farida Rustamova, Maksim Tovkaylo, Alexandra Prokopenko, Anton Siluanov, “, Connolly, they’ve, ” Prokopenko, Prokopenko, — — David McHugh Organizations: —, Duma, Kremlin, Royal United Services Institute, Independent, Carnegie Russia Eurasia Center, Russian Central Bank, Finance, Defense, Central Bank Locations: — Russia's, Russia, Ukraine, London, China, United States, Russian, West, India, Berlin, Frankfurt

WASHINGTON, May 1 (Reuters) - U.S. President Joe Biden on Monday urged House of Representatives Speaker Kevin McCarthy to take the potential for an unprecedented U.S. debt default off the table, warning that it would result in skyrocketing credit card and mortgage rates. We have never, ever failed to meet the debt," Biden told a small business event at the White House. He said the threat of default by some Republicans in Congress was "totally irresponsible" and that it was essential to take that threat "off the table." "It would lead to higher interest rates, higher credit card rates, mortgage rates would skyrocket," Biden said. A 2011 standoff led to a downgrade of the government's credit rating, which pushed borrowing costs higher and hammered investments.

☆ Investors need to embrace these stocks that we love
▼ + stars: | 2023-02-12 | by ( Paul R. La Monica | ) edition.cnn.com time to read: +8 min

I’ve typically done this stock picking feature in early to mid February as a Stocks We Love type of story, pegging it to Valentine’s Day. The restaurant stocks in particular could do well. Inflation is obviously still a concern for big consumer brands. Consumer prices rose 6.5% over the past 12 months through December, down from a 7.1% pace in November. Up nextMonday: Earnings from TreeHouse Foods (THS), Avis Budget (CAR), FirstEnergy (FE), IAC (IAC) and PalantirTuesday: US CPI; Japan GDP; UK employment report; earnings from Coca-Cola, Asahi Group, Marriott (MAR).

☆ Media mogul Bloomberg eyes Dow Jones or Washington Post acquisition, no talks yet
▼ + stars: | 2022-12-23 | by ( ) www.reuters.com time to read: +3 min

According to the Axios report, Bloomberg sees News Corp-owned (NWSA.O) Dow Jones, also the publisher of Barron's and MarketWatch, as the ideal fit but would buy the Post if Amazon.com Inc (AMZN.O) founder Jeff Bezos was interested in selling. Bloomberg L.P., the Washington Post and Dow Jones did not immediately respond to Reuters' requests for comment. "The transaction would be challenged only if the resulting choices leave insufficient competition in the market for either users or suppliers. In October, Rupert Murdoch had started a process that could reunite his media empire, News Corp and Fox Corp (FOXA.O), nearly a decade after the companies split. Reuters competes with Bloomberg News, a unit of Bloomberg L.P., as a provider of financial news.

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