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☆ How much money you need to be financially comfortable in 12 major U.S. cities
▼ + stars: | 2024-08-23 | by ( Mike Winters | ) www.cnbc.com time to read: +2 min

The phrase "financially comfortable" doesn't have a strict definition. In San Francisco, the net worth you'd need to feel "comfortable" is $1.5 million, according to a survey sample of 750 residents in that city — the highest amount cited among 12 major U.S. cities surveyed. Much of the difference in net worth thresholds between cities is due to shelter costs, especially in cities with severe housing shortages, like San Francisco, Los Angeles and New York City. While feeling "financially comfortable" is a subjective term, the survey makes a distinction between that and feeling "wealthy." For cities, it ranges from $4.4 million in San Francisco to $2.2 million in Dallas.

Persons: Charles Schwab's, that's Organizations: Wealth Survey, Boston, Denver, Seattle, Atlanta, Dallas, Houston, Phoenix, CNBC Locations: San Francisco, U.S, Franciscans, Francisco, California, Los Angeles, San Diego, York City, Washington, Chicago, San Francisco , Los Angeles and New York City, Dallas

Happy Money Personal Loan OverviewFeaturesA Happy Money personal loan is a good option for those with good credit scores who are eligible for the lender's lowest APR. Happy Money Personal Loan Rates and TermsInterest RatesWhen borrowing with Happy Money, expect interest rates ranging between 11.72% APR and 17.99% APR. Happy Money vs. Reach FinancialBoth Reach Financial Personal Loan and Happy Money are for borrowers who are looking to consolidate their debt. Happy Money Customer Reviews and TestimonialsWhile Happy Money is an accredited business with the Better Business Bureau (BBB), is only has 1.6 out of 5 stars, based on customer reviews. Happy Money Personal Loan FAQsWhat is the minimum credit score required for a Happy Money personal loan?

Persons: you'll, Ryan Wangman, Read, Elias Shaya, Elias Organizations: Happy, Social Security, Social, Better Business Bureau, Chevron, Finance, Northwestern University, Boston Globe Locations: Maine , Massachusetts , Nebraska, Nevada, New York City

☆ 2.9 billion people may have had Social Security numbers, other financial data compromised. What it means for you
▼ + stars: | 2024-08-15 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Sakorn Sukkasemsakorn | Istock | Getty ImagesAbout 2.9 billion people may have had their personal information hacked, a new proposed class-action lawsuit alleges. If true, reports suggest all Americans may have had valuable personal information compromised — including full names, current and past addresses, Social Security numbers and information on parents, siblings and other relatives. In 2013, a Yahoo data breach may have hit all the company's accounts, or a total of 3 billion people. "Freezing your credit is the single most important thing you can do when you get a data breach notice," Lee said. While freezing your credit will limit access to your credit reports, it won't block it completely.

Persons: Sakorn, Cliff Steinhauer, James E, Lee, Steinhauer, I'd, haven't, We've, it's, It's Organizations: Istock, Public Data, Jerico Pictures Inc, Jerico, CNBC, National Cybersecurity Alliance, Theft Resource, Social Security, Finance Locations: U.S

☆ The most—and least—expensive U.S. states based on average monthly costs
▼ + stars: | 2024-08-11 | by ( Celia Fernandez | ) www.cnbc.com time to read: +3 min

doxo's report found that Hawaii's average monthly cost for household bills is 45% above the national average. 1 most expensive U.S. state based on monthly costs: HawaiiHawaii is still the most expensive state based on the cost of monthly household bills. The doxo report found that the average monthly bill for a mortgage in Hawaii is $2,576, while the average rent is $1,983. 1 least expensive state based on monthly costs: West VirginiaFor the second year in a row, West Virginia ranked as the least expensive state based on monthly costs. Top 10 least expensive states based on monthly costs

Persons: doxo, Hawaii Matteo Colombo Organizations: Utilities Cable, Mobile, Auto, Household, Massachusetts, CNBC, University of Hawaii, Digitalvision, Hawaii, Hawaii California Massachusetts New Jersey Maryland Washington, Hawaii California Massachusetts New Jersey Maryland Washington New York Connecticut Colorado New, West Virginia, State, Business Study, U.S . Bureau of Labor Statistics Locations: Hawaii Hawaii, Hawaii, States, Honolulu, Maui, Aloha, Hawaii California Massachusetts New Jersey Maryland, Hawaii California Massachusetts New Jersey Maryland Washington New York Connecticut Colorado, Hawaii California Massachusetts New Jersey Maryland Washington New York Connecticut Colorado New Hampshire, Virginia, West Virginia, America's, Morgantown , West Virginia, West

See our picks for the best debt consolidation loans »PenFed Personal Loan FeaturesPenFed Credit Union Personal Loan amounts range from $600 to $50,000. For example, Navy Federal Credit Union Personal Loan amount range is $250 to $50,000, and the range for Connexus Credit Union Personal Loan is $2,500 to $25,000. PenFed Personal Loan Pros and ConsPenFed Credit Union Personal Loan ProsWide range of loan amounts. PenFed Personal Loan ConsYou have to be a member to get your loan. Yes, PenFed Credit Union is a legitimate credit union federally insured by the National Credit Union Administration.

Persons: Coborrowers, you've, You'll, Formally, PenFed, Ryan Wangman, Read, Elias Shaya, Elias Organizations: PenFed Credit Union, PenFed, Pentagon Federal Credit Union, Navy Federal Credit, Connexus Credit, you'll, Social, PenFed Credit, National Credit Union Administration, Better Business, Chevron, Navy Federal Credit Union, Navy Federal, Department of Defense, Connexus Credit Union Connexus Credit Union, Connexus Association, Credit Union, Better Business Bureau, Finance, Northwestern University, Boston Globe Locations: PenFed, Chevron, Wisconsin , Minnesota, Ohio, New York City

The Federal Reserve is gearing up to cut interest rates as soon as next month, which could bring relief to people with mortgages, credit cards and car loans. Certificates of deposit — fixed-rate bank accounts with term limits — are a go-to when interest rates are high. With interest rates coming down, the idea is just pay and save as much as you can right now. There’s no bad time to do that, but when the central bank lowers interest rates, it can be even more valuable. “It’s tempting to say, ‘Well, when interest rates go down, stocks are going to do well, because people are switching from low-return to higher-return assets,’” she said.

Persons: Mark Hamrick, “, ”, Hamrick, Rodney Lake, Laura Veldkamp, Veldkamp, Jude Boudreaux, now’s, ” Jude Boudreaux, you’re, ” Boudreaux, ” DON’T, Jonathan Smoke, Cox, Edmunds, Ivan Drury Organizations: Federal, GW Investment, George Washington University School of Business, Columbia University’s Graduate School of Business, Chipping, Columbia Business, Philadelphia Fed, Federal Reserve, Mortgage, Association, Fed Locations: U.S, Orleans, New Orleans, Edmunds

Basic Car Insurance CoverageLiability CoverageLiability car insurance is what most people are familiar with because most states require it. Optional Car Insurance CoverageMost lenders require comprehensive and collision coverage if you finance or lease your car. Get Car Insurance Quotes Compare affordable car insurance quotes online in minutes. How to Choose the Right Car Insurance CoverageConsider Your Needs and BudgetBefore buying car insurance, examine your needs and financial situation. Car Insurance Coverage FAQWhat does full coverage car insurance mean?

Persons: it's, It's, Asis Alani Asis, Forbes, She’s, Read Organizations: UM, Insurance, Business, AARP, CNN, Fortune, U.S . News, Finance, University of Hawaii Locations: U.S, Manoa

☆ Why investors should buy the ongoing dip in stocks, Fundstrat says
▼ + stars: | 2024-08-02 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +5 min

Technical signals suggest downside is limitedThere isn't much evidence that poor-performing areas of the market, like small-cap stocks, have peaked, Newton said. Meanwhile, Treasury yields have fallen in recent months as traders anticipate Fed rate cuts, which is typically bullish for stocks, he added. Advertisement"Thus, looking to buy dips makes sense technically," he said, adding that small-cap stocks looked "certainly appealing" after their recent slide. Fed rate cuts will mark a turning point in the marketThat's because rate cuts are expected to ease borrowing costs across several sectors. Small-cap stocks are flashing bullish signalsThe Russell 2000 hit a 30-month high in July, something that's only happened nine times over the past 45 years.

Persons: Fundstrat's Tom Lee, Lee, —, Tom Lee, who's, Mark Newton, Newton, I'm, Russell, That's Organizations: Tech, Service, Fed, Wall Street Locations: Wall

Car insurance requirements vary by state — some require more auto insurance coverage types than others. Other common types of coverageOther types of coverage, like gap insurance, rental reimbursement, travel coverage, non-owner car insurance, and towing and labor cost coverage are available options, depending on your insurer. Factors That Influence How Much Car Insurance You NeedIf you're looking for car insurance coverage and are trying to determine how much you need, consider these factors to make the right choice. In Michigan, a state minimum policy would include basic liability coverage and no-fault coverage, including personal injury protection, property protection insurance, and residual liability insurance coverage. Get Car Insurance Quotes Compare affordable car insurance quotes online in minutes.

Persons: Asis Alani Asis, Forbes, She’s, Read Organizations: UM, Business, AARP, CNN, Fortune, U.S . News, Finance, University of Hawaii Locations: Michigan, New Hampshire, U.S, Manoa

☆ The Fed keeps interest rates high for now—here's how much money it could be costing you each month
▼ + stars: | 2024-08-01 | by ( Mike Winters | ) www.cnbc.com time to read: +2 min

30-year fixed-rate mortgagesIn 2022, the average 30-year fixed rate mortgage rate was 4.3%, while the current rate is 6.9%, per Mortgage News Daily. Total monthly difference: $42New vehicle financingIn 2022, new auto loans had an average interest rate of 5.2% while the current average is 7.3%, per Edmunds data. For a 60-month financing of around $40,000, monthly payments have increased from $759 to $798. Total monthly difference: $39Credit cardsIn 2022, the average credit card interest rate was 16.3%, while the current rate is 20.7%, per Bankrate data. Total monthly difference: $19

Organizations: Federal Reserve, Fed, Mortgage Locations: Edmunds

☆ Interest rates remain steady once again — but it's likely the Fed will cut rates in September
▼ + stars: | 2024-07-31 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +3 min

Read previewThe nation's central bank didn't give interest rate relief to Americans — yet. On Wednesday, the Federal Open Market Committee announced it would be leaving interest rates unchanged, continuing the pause that began last fall. And with the labor market slowing down while avoiding a recession, the Fed might have the evidence it needs to cut interest rates at its next meeting in September. However, predictions point to a rate cut — CME FedWatch, which estimates probabilities of interest rate changes based on the markets, showed markets think it's far more likely than not that rates will ease. Related storiesThe high interest rates have meant it's more expensive for Americans to borrow money for things like mortgages, credit cards, and auto loans.

Persons: —, Jerome Powell, Powell, Michele Raneri, Donald Trump —, Trump, Elizabeth Warren, John Hickenlooper, Sheldon Whitehouse Organizations: Service, Federal, Market Committee, Business, Fed, TransUnion, Fox News, Democratic Locations: May's, Sens

It’s been a year since interest rates reached a two-decade high, but they may soon begin to reverse course. The Federal Reserve is expected to hold its benchmark interest rate steady on Wednesday, while signaling that a cut is possible when policy-setting officials meet again in September. If interest rates are elevated for too long, they risk weakening the employment picture. The central bank uses interest rates to influence the broader economy. Home-equity lines of credit and adjustable-rate mortgages — which each carry variable interest rates — generally rise within two billing cycles after a change in the Fed’s rates.

Persons: It’s, ” Jonathan Smoke, that’s, Freddie Mac, ”, Sam Khater, —, “ Banks, Ken Tumin Organizations: Federal, “ Manufacturers, Cox Automotive, Treasury, Savings Vehicles Locations: Edmunds

☆ The Federal Reserve sets the stage for a rate cut — here's what that means for your money
▼ + stars: | 2024-07-31 | by ( Jessica Dickler | ) www.cnbc.com time to read: +4 min

In the wake of the rate hike cycle, the average credit card rate rose from 16.34% in March 2022 to more than 20% today — nearing an all-time high. A recent report from the Philadelphia Federal Reserve showed credit card delinquencies at an all-time high, according to data going back to 2012. The best move for those with credit card debt is to take matters into their own hands, advised Matt Schulz, chief credit analyst at LendingTree. Home loan rates have already started to fall, largely due to the prospect of a Fed-induced economic slowdown. Student loansFederal student loan rates are also fixed, so most borrowers aren't immediately affected by the Fed's moves.

Persons: Greg McBride, McBride, Matt Schulz, Jacob Channel Organizations: Philadelphia Federal, Treasury, Auto, Consumers

Chase Bank is offering a $3,000 checking account bonus for its Private Client Checking account. The highest bank account bonus currently offered is from Chase Bank. Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Other top checking account bonus offersIf Chase's checking account bonuses don't interest you, several other banks offer checking accounts with high bonuses. BMO Bank ReviewAxos Bank Rewards CheckingAxos Bank also has a up to $500 bonus for its Axos Bank Rewards Checking account.

Persons: —, we've, You'll, you've, Morgan, Chase, you'll Organizations: Chase Bank, Chase, Service, Morgan Wealth Management, Morgan, Secure Banking, Chase Private Banker, JPMorgan Chase Bank, N.A, FDIC, SoFi HSBC Premier, HSBC, HSBC Bank, HSBC Bank Review Huntington Bank, Huntington Bank, BMO, BMO Bank, Axos Locations: U.S, Huntington, Colorado , Florida , Illinois , Indiana , Kentucky, Michigan, Minnesota , Ohio, Pennsylvania, West Virginia, Wisconsin

Top Military Banks of 2024Compare the Best Military Banks and Credit UnionsThe best military banks and credit unions offer benefits to military members and their families. Competitive Rates and Low FeesThe best military credit unions and banks, just like the best credit unions and banks for civilians, offer great rates and low fees. The Best Military Banks and Credit Unions FAQsWhat advantages do military banks and credit unions offer over civilian banks? Military banks and credit unions provide services that address the challenges military members experience. For our guide we looked at military banks, military credit unions, and financial institutions that aren't specifically for the military but have products geared toward military members.

Persons: you'll, USAA, You'll, Chase, It's, Chase isn't, We've, JP Morgan Chase, Jeffrey Epstein's, Banks, Laura Grace Tarpley, Penny Hoarder, Read, Pulliam, Kit Pulliam, They’ve, Kit, Evelyn Organizations: Bank, Credit Union Military, Banks, Credit, Service, Department of Defense, Service Credit Union, Service Credit, American Consumer, Navy Federal Credit Union, Federal Credit Union, Pentagon Federal Credit Union, DC, Security Service Federal Credit Union, Security, Security Service, UT, Stripes, Chase Bank Start, Chase Bank, Chase, Military, Apple, USAA Bank, Navy, PLUS, Navy Federal Free, Federal, Visa, Pentagon Federal Credit, Cross, . Security, Air Force, Army, Coast Guard, Marines, National Guard, Survivor, Credit Unions, Better, U.S . Virgin, SEC, Futures, Banking, Financial, Chevron, Business, Finance, National, Real, Business Insider, Tax, Vanderbilt University, Personal Finance Locations: United States, New Hampshire , North Dakota , Massachusetts, Germany, Europe, NY, Colorado , Maryland , New York, Texas, California , Florida, Georgia, Hawaii , Maryland , Nebraska , New Jersey, New Mexico , New York, North Carolina , Pennsylvania, Virginia, Guam , Puerto Rico, Japan, Colorado , Texas, Utah, Alaska, Hawaii, reimbursements, of New Hampshire, Massachusetts, England, Luxembourg, USAA, North America, Africa, Asia, Canada, States, Louisiana , New Mexico , Oklahoma, Chevron

☆ The Fed Is Impacting Our Election, Our Climate, Our Economy - The New York Times
▼ + stars: | 2024-07-29 | by ( Jen Harris | ) www.nytimes.com time to read: +2 min

The Federal Reserve’s handling of inflation is souring the public on our economy, harming vulnerable Americans, slowing our fight against climate change — and hindering the fight against inflation itself. For the past several months, the Fed has resisted lowering interest rates in an environment that clearly demands lower rates. The Fed repeatedly stated that it would not lower rates until it had confidence the P.C.E. While the Fed keeps waiting, the pain keeps accumulating. There is also the damage that unnecessarily high interest rates are inflicting on our battle against climate change.

Persons: Donald Trump, Kamala Harris Organizations: Fed Locations: U.S

☆ Traders expect a monster 18% move in Carvana post earnings this week. How to play it
▼ + stars: | 2024-07-29 | by ( Michael Khouw | ) www.cnbc.com time to read: +5 min

It reports earnings this week and traders are expecting a monster move. Customers can browse a large inventory of used vehicles on Carvana's website, complete with detailed photos, 360-degree views, and vehicle history reports. Their model eliminates most of the negative associations of used car dealers by offering convenience, transparency, and a hassle-free car buying experience without the used car salesman. The company's stock fell more than 80% from February 2020 in the pandemic plunge before rallying 1600% on record used car margins caused by supply constraints due to pandemic shutdowns. CVNA YTD mountain Carvana (YTD) Carvana will report earnings this coming Wednesday after the bell and the 18% earnings-related implied move ranks near the top of the Russell 1000 companies regarding earnings volatility.

Persons: Carvana, Russell, I'm Organizations: Carvana, Machines, CNBC, NBC UNIVERSAL

Romona Smith, 20, Nashville, Tennessee Undergraduate subsidizing her college costs with shifts at Kroger and McDonald’s. “Me working wasn’t enough,” said Smith, who described the latter experience as strengthening her resolve. Living situation: Spending the summer rent-free with her college roommate and family in their five-bedroom home in Corona. Romona Smith, 20, NashvilleSmith is pursuing a double major in social work and psychology, along with a certification as a registered behavior technician to work with people with ADHD or autism. With her out-of-pocket tuition set to hit nearly $5,000 this fall, Smith wants to avoid another financial Hail Mary.

Persons: Romona Smith, Trump, ”, Smith, “, “ I’m, it’s, she’ll, —, who’s, I’m, Nashville Smith, She’s, she’s, Kamala Harris, Z, ” Smith, Mary, “ I’ve, haven’t, don’t Organizations: NBC, Kroger, McDonald’s, Tennessee State University, Pell, Seattle native’s, Democratic, Bank of America, American Locations: Nashville , Tennessee, Nashville, Corona , California, Corona ., Tennessee, “

☆ $1 million hypothetical portfolios: How kids from wealthy families at an elite Swiss school learn about money
▼ + stars: | 2024-07-24 | by ( Jessica Dickler | ) www.cnbc.com time to read: +4 min

Research shows taking a financial education class in high school does pay off. "Let's not leave financial education to TikTok," she said. Let's not leave financial education to TikTok. Yanely Espinal director of educational outreach at Next GenMany studies also show there is a strong connection between financial literacy and financial well-being. In addition, a study by the Brookings Institution in 2018 found that teenage financial literacy is positively correlated with asset accumulation and net worth by age 25.

Persons: dem Rosenberg, dem Rosenberg Bernhard Gademann, It's, Gademann, Tim Ranzetta, Yanely Espinal, Espinal, Let's, Yanely, Christiana Stoddard, Carly Urban Organizations: dem, Finance, Research, Tyton Partners, CNBC, Financial Wellness, National Endowment, Financial Education, Financial, Investor Education Foundation, Brookings Institution Locations: St . Gallen, Switzerland

Compare the Top Bank Accounts for College StudentsWe researched over a dozen banks to find the best checking accounts and savings accounts for college students. Determine if you want a bank account specifically for college students or a standard bank account. The bank account agreement shares details about the bank account, like the opening requirements, minimum balance requirements, and interest rate. Best Bank Accounts for College Students FAQsWhat makes a bank account student-friendly? We researched more than a dozen bank accounts at brick-and-mortar banks, online banks, credit unions, and online banking platforms to find the strongest bank accounts ideal for college students.

Persons: Alliant, Foster, You'll, Ally, Chase, Doesn't, JP Morgan Chase, Jeffrey Epstein's, Banks, Tania Brown, Sophia Acevedo, Roger Ma, James Organizations: Banking, College Students Student, College, Credit Union, Alliant Credit, Credit, Ally Bank, Ally, Capital, Savings, Easy Branch, Chase, Chase Mobile, U.S, Zero, JPMorgan Chase Bank, N.A, FDIC, Chase Bank, SoFi Bank, Green, Better, BBB, U.S . Virgin, SEC, Futures, Mobile, Bank, College Students, Business Locations: Chicago , Illinois, NY, LA, TX, VA, NJ, Washington, Connecticut , Delaware , Louisiana , Maryland , New Jersey , New York , Texas, Virginia, DC, U.S, N.A, J.D

There are several different types of banks, such as traditional brick-and-mortar banks, online banks, and smaller, local banks. This means that credit unions are more likely to offer good rates than banks, although depending on your local credit union, the best banks might offer better rates. While individual credit unions won't necessarily offer everything a large bank does, credit unions can offer everything from CDs to car loans to safety deposit boxes. Banks vs. Credit Unions FAQsCan anyone become a part of a credit union? Yes, you can get different types of loans, including mortgages, car loans, and lines of credit at credit unions.

Persons: Banks, We'll, Pamela Capalad, they've, BrioDirect, I've, Capalad, You'll Organizations: CFP, AFC, Brunch, U.S . Department of, Treasury, Community, Banks, ., Chevron Locations: United States, you'll

☆ It’s becoming harder to get — and keep — a car
▼ + stars: | 2024-07-22 | by ( Alicia Wallace | ) edition.cnn.com time to read: +6 min

Cook did the math, made a pros and cons list, and bought a new car. Courtesy Greg CookHis car — the monthly payment, the fast-rising insurance, fuel and maintenance costs — takes up a 30% share of his monthly budget. And buying a car is no cakewalk either: Credit is increasingly harder to come by and rejection rates are spiking. Instead, consumers have been presented with a higher bar, including requirements for a heftier down payment and a higher credit score, he said. More restrictive lending typically equates to approval rates going down and rejection rates rising.

Persons: Greg Cook’s, he’d, I’ve, ”, Cook, Greg Cook, “, Jeremy Robb, “ Everyone’s, Robb, David Paul Morris, they’re, repossessions Organizations: CNN, Cox Automotive, Federal Reserve Bank of New, Federal, Bloomberg, Getty Locations: Oregon, Federal Reserve Bank of New York, Richmond , California

Today, there are 55 Hispanic American banks and credit unions that are FDIC or NCUA insured around the United States. Nave BankBranches: 0 (online-only)ATMs: 0Services: savings accounts, business banking, business loansNave Bank is currently only available for businesses, and has a waitlist to join. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated in September 2023. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. Results from the study found that Hispanic Americans made up a greater percentage of those who took out home loans or small business loans at Hispanic American banks in comparison to non-minority banks.

Introduction to Bank of America Preferred RewardsThe Bank of America Preferred Rewards program can be extremely lucrative if you're a Bank of America customer or willing to become one. Bank of America Preferred Rewards Gold tier benefitsTo achieve Gold status in the Bank of America Preferred Rewards program, you'll need a three-month average combined balance of $20,000 to $50,000 in your Bank of America banking and/or Merrill (Bank of America's wealth management division) investment accounts. Card Welcome bonus Review Bank of America® Unlimited Cash Rewards Credit Card $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening Bank of America Unlimited Cash Rewards Card review Bank of America® Customized Cash Rewards Credit Card $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening Bank of America Customized Cash Rewards Card review Bank of America® Travel Rewards credit card 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening Bank of America Travel Rewards Card review Bank of America® Premium Rewards® credit card 60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening Bank of America Premium Rewards Card reviewAlso note that you can get some co-branded versions of credit cards above, including options like the Susan G. Komen® Cash Rewards Visa® credit card from Bank of America. How to earn more credit card rewards by joining Bank of America Preferred RewardsAt this point, you're probably wondering how much more you'll earn in rewards by becoming a Bank of America Preferred Rewards member. Bank of America Preferred Rewards program frequently asked questionsHow do I qualify for Bank of America Preferred Rewards?

Persons: You'll, Merrill, Susan G Organizations: Business Insider, Alaska Airlines, Virgin Atlantic, Mastercard, Bank of America, Business, Cash, of America, Bank, Merrill, America, Merrill Guided, Bank of, Bank of America's, EV, Bank of America Travel Center, TSA, Travel Insurance, Komen, Rewards Bank of America Locations: Merrill, Bank of America

Updating your name with the credit bureaus can prevent delays in credit applications and other credit reporting errors. Hinterhaus Productions/Getty ImagesTransgender and nonbinary people can report their legal name change to credit bureaus. One of the many steps in your legal transition is to report your legal name change to all three credit bureaus — Experian, Equifax, and TransUnion — so it'll appear on your credit report. How to report a name change with the credit bureausBefore you update your name with the credit bureaus, you first need to update your name on your driver's license, Social Security card, and utility bills first since credit bureaus ask for copies of those documents to verify your name change request. Box 4500Allen, TX 75013TransUnionUnlike the other two credit reporting bureaus, TransUnion requires you to change your legal name with every individual financial institution listed on their credit report first.

Persons: Hinterhaus, there's, —, TransUnion, Ryan Klippel, Here's, Klippel, folx, you'll, Experian Experian, Allen, it's Organizations: Social Security, Optas, Social, TransUnion, National Center for Transgender Equality, UC Berkeley, Google, Security Locations: myEquifax, Allen , TX, Chester , PA, California

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