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“`html Common Reasons Your Mortgage Refinance Was Denied If your application to refinance your mortgage loan was denied, it’s not the end of the line. Depending on your situation and goals, you may be able to get what you need…
“`html What Is Debt Relief? Debt relief involves reorganizing or negotiating your debt to make it easier to repay. Depending on the type of debt relief you choose, you may be able to: Combine multiple monthly payments into one Reduce…
“`html Can You Defer a Car Payment? If you’re facing a financial emergency and can’t cover this month’s car payment, a deferment on the loan could buy you some breathing room. It’ll come at a cost, but it may be…
“`html Understanding Credit-Based Insurance Scores and Credit Scores Credit scores and credit-based insurance scores serve similar purposes—to help companies understand risk. Both types of scores can vary depending on the information in the credit report used to calculate them. However,…
“`html Understanding Risk-Based Pricing Risk-based pricing is a method that lenders use to determine interest rates and other terms based on the applicant’s creditworthiness. While credit scores are the primary way lenders can evaluate your creditworthiness, they typically consider several…
“`html Understanding Credit: A Comprehensive Guide Credit is an agreement between a lender and a borrower that allows the borrower to obtain funds, goods, or services now and repay them later. It also refers to your history of borrowing and…
“`html How Does Debt Consolidation Work? Debt consolidation involves combining multiple debts into a single loan or credit card. This process can simplify your debt repayment plan, potentially offering a lower interest rate, a more favorable repayment plan, and a…
“`html Does Not Paying Taxes Affect Your Credit? Late or unpaid tax payments won’t directly impact your credit score. However, not paying your income taxes on time could lead to penalties, interest, tax levies, and tax liens that could affect…
“`html Average Credit Score in the U.S. Increases to 715 In 2023, the average FICO® Score in the U.S. rose to 715, reflecting stable creditworthiness among consumers. This one-point increase from 2022 indicates a resilient financial landscape despite rising interest…
“`html Consumer Credit and Finance Education At O1ne Mortgage, we prioritize consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make…
