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which simply means they don’t have enough of a credit history to qualify for a score. Since payment history makes up the vast majority of your FICO score, it’s essential to work to build a credit score. This can be as easy as making a small purchase on a ...
The author focuses on the benefits of credit reporting and credit scoring in hiring decision-making which is claimed to outweigh the risks several businesses are encountering. It was shown that high or low scores are not necessarily solid indicators of a good credit risk. Insurance businesses are...
This paper dives into the analysis of the use and implications of Internet memes based on China's Social Credit Score System (SoCS) on the premise of constructing a common ground between Western and Eastern online communities.
You may not need to use a credit card after you’ve paid it off. Some credit card providers are OK with this and will keep an unused account open indefinitely. Others review accounts periodically and close inactive accounts. An account closing of this nature doesn’t put a negative mark on...
In combination with other factors, including your credit score, the prime rate helps determine the Annual Percentage Rate (APR) on your credit card. In simple terms, you pay more for the money you have borrowed, making it more difficult for some consumers to make even the minimum...