#creditscores — Public Fediverse posts
Live and recent posts from across the Fediverse tagged #creditscores, aggregated by home.social.
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Marital Status Does Not Merge Credit Histories
Understand why marriage doesn't combine credit scores in the US. Your credit score stays separate unless you open joint accounts. Find out more.
#CreditScores, #MarriageFinance, #JointAccounts, #FinancialLiteracy, #CreditHistory
https://newsletter.tf/marriage-does-not-merge-credit-histories-2026/
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Your credit score remains yours alone, even after marriage. It does not automatically merge with your spouse's score.
#CreditScores, #MarriageFinance, #JointAccounts, #FinancialLiteracy, #CreditHistory
https://newsletter.tf/marriage-does-not-merge-credit-histories-2026/ -
#YoungAmericans are increasingly using “buy now, pay later” (#BNPL) #loans for both #necessities and #discretionarypurchases, driven by #economicpressures and the #easeofapproval. While #BNPLloans offer flexibility, they may encourage #overspending and could potentially impact #creditscores in the future. https://www.wsj.com/personal-finance/credit/the-perils-of-buying-botox-and-concert-tickets-with-buy-now-pay-later-loans-23a59c7e?eicker.news #tech #media #news
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#YoungAmericans are increasingly using “buy now, pay later” (#BNPL) #loans for both #necessities and #discretionarypurchases, driven by #economicpressures and the #easeofapproval. While #BNPLloans offer flexibility, they may encourage #overspending and could potentially impact #creditscores in the future. https://www.wsj.com/personal-finance/credit/the-perils-of-buying-botox-and-concert-tickets-with-buy-now-pay-later-loans-23a59c7e?eicker.news #tech #media #news
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#YoungAmericans are increasingly using “buy now, pay later” (#BNPL) #loans for both #necessities and #discretionarypurchases, driven by #economicpressures and the #easeofapproval. While #BNPLloans offer flexibility, they may encourage #overspending and could potentially impact #creditscores in the future. https://www.wsj.com/personal-finance/credit/the-perils-of-buying-botox-and-concert-tickets-with-buy-now-pay-later-loans-23a59c7e?eicker.news #tech #media #news
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#YoungAmericans are increasingly using “buy now, pay later” (#BNPL) #loans for both #necessities and #discretionarypurchases, driven by #economicpressures and the #easeofapproval. While #BNPLloans offer flexibility, they may encourage #overspending and could potentially impact #creditscores in the future. https://www.wsj.com/personal-finance/credit/the-perils-of-buying-botox-and-concert-tickets-with-buy-now-pay-later-loans-23a59c7e?eicker.news #tech #media #news
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#YoungAmericans are increasingly using “buy now, pay later” (#BNPL) #loans for both #necessities and #discretionarypurchases, driven by #economicpressures and the #easeofapproval. While #BNPLloans offer flexibility, they may encourage #overspending and could potentially impact #creditscores in the future. https://www.wsj.com/personal-finance/credit/the-perils-of-buying-botox-and-concert-tickets-with-buy-now-pay-later-loans-23a59c7e?eicker.news #tech #media #news
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FICO to incorporate buy-now-pay-later loans into credit scores
https://www.axios.com/2025/06/23/fico-credit-scores-bnpl-buy-now-pay-later
#HackerNews #FICO #BNPL #CreditScores #BuyNowPayLater #Finance
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Parents Gaming #Kids’ #CreditScores
Credit scores are meant to be neutral measures of someone’s financial reliability, but in practice, they’re an easy way for some better-off families to give children an early financial advantage. Services promise to help parents ensure kids enter adulthood with good scores. When parents add children as “authorized user” on their #creditcard, makes parents spending and payment habits a part of her credit history.
https://www.theatlantic.com/family/archive/2025/01/credit-score-authorized-usership-parenting/681255/
https://archive.ph/GFA4T -
In other words, the better educated/organised a purchaser is the more they will likely pay their credit card bills on time? https://theconversation.com/no-credit-score-a-grocery-list-could-be-the-next-best-thing-234887 #groceries #creditscores #foodstudies #humanbehaviour
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The rules set to be announced Tues would ban #credit reporting agencies from incorporating #medical #debt when calculating #CreditScores…. The rules would also bar #lenders from using #MedicalDebt to determine #LoanEligibility, they said.
…~15M Americans have medical #bills on their credit reports, acc/to a study released in April by the #Consumer #Financial #Protection Bureau. …People affected by medical debt disproportionately live in the South or in low-income communities….
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The rules set to be announced Tues would ban #credit reporting agencies from incorporating #medical #debt when calculating #CreditScores…. The rules would also bar #lenders from using #MedicalDebt to determine #LoanEligibility, they said.
…~15M Americans have medical #bills on their credit reports, acc/to a study released in April by the #Consumer #Financial #Protection Bureau. …People affected by medical debt disproportionately live in the South or in low-income communities….
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The rules set to be announced Tues would ban #credit reporting agencies from incorporating #medical #debt when calculating #CreditScores…. The rules would also bar #lenders from using #MedicalDebt to determine #LoanEligibility, they said.
…~15M Americans have medical #bills on their credit reports, acc/to a study released in April by the #Consumer #Financial #Protection Bureau. …People affected by medical debt disproportionately live in the South or in low-income communities….
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The rules set to be announced Tues would ban #credit reporting agencies from incorporating #medical #debt when calculating #CreditScores…. The rules would also bar #lenders from using #MedicalDebt to determine #LoanEligibility, they said.
…~15M Americans have medical #bills on their credit reports, acc/to a study released in April by the #Consumer #Financial #Protection Bureau. …People affected by medical debt disproportionately live in the South or in low-income communities….
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The rules set to be announced Tues would ban #credit reporting agencies from incorporating #medical #debt when calculating #CreditScores…. The rules would also bar #lenders from using #MedicalDebt to determine #LoanEligibility, they said.
…~15M Americans have medical #bills on their credit reports, acc/to a study released in April by the #Consumer #Financial #Protection Bureau. …People affected by medical debt disproportionately live in the South or in low-income communities….
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CW: Long thread/5
#20yrsago #Hilbert’s 16th problem solved by 22-year-old student https://web.archive.org/web/20031202154719/http://www.unstruct.org/archives/000186.html
#5yrsago DHS plans to use #CreditScores to judge who may become a citizen https://slate.com/technology/2018/11/dhs-credit-scores-legal-resident-assessment.html
#5yrsago New Scientist calls for the end of the #ScholarlyPublishing industry: “more profitable than oil,” “indefensible” https://www.newscientist.com/article/mg24032052-900-time-to-break-academic-publishings-stranglehold-on-research/
5/
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Mint, One of the First Budgeting Apps, Is Shutting Down - Intuit, which acquired Mint in 2009, is encouraging users to switch to Credit Karma, its ... - https://www.nytimes.com/2023/11/03/business/mint-app-closing-intuit.html #budgetsandbudgeting #personalfinances #consumerbehavior #creditkarmainc #creditanddebt #creditscores #unitedstates #intuitinc #mint.com
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Biden administration to ban medical debt from Americans' credit scores
https://www.cbsnews.com/news/biden-administration-to-ban-medical-debt-credit-scores/
#BidenAdministration #MedicalDebt #CreditScores #Americans #Ban #CBSNews #Politics #News
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#DarkBrandon is taking aim at both the #FinanceIndustry and for-profit-medicine to erase #MedicalDebt from calculation of #CreditScores. ✅ https://www.huffpost.com/entry/biden-remove-medical-debt-credit-scores_n_650cbb81e4b00c6ed61aca55
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"Our results support the idea that deferring green #investments will increase costs of borrowing for nations, which will translate into higher costs of corporate #debt."
"While developing nations with lower #CreditScores are seen hit hardest by the physical effects of #ClimateChange, nations with the highest ranking credit scores were likely to face more severe #downgrades simply because they have furthest to fall."
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A key part of loan decisions is a mystery to many people. #CreditScores summarize how well individuals repay debt over time. Based on that repayment behavior, the credit scoring system assigns people a single number ranging from 300 to 850.
The two most important factors in credit scores are how promptly past debts have been paid and the amount the individual owes on current debt.
Here’s more information:
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Maybe Credit Scores Shouldn't Be A Thing? – SOME MORE NEWS
#politics #uspolitics #creditscores #infrastructure #somemorenews
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Credit Agency Giant TransUnion Starts Delivering Credit Scores for Crypto Lending - TransUnion, one of the largest credit agencies in the U.S., will provide off-chain credit... - https://www.coindesk.com/business/2023/04/20/credit-agency-giant-transunion-starts-delivering-credit-scores-for-crypto-lending/?utm_medium=referral&utm_source=rss&utm_campaign=headlines #decentralizedfinance #cryptolending #creditscores #transunion #investing #finance #lending #news #defi
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Should You Buy Now, Pay Later? Tread Carefully. - Afterpay, Apple and other financial tech companies are popularizing installment plans for... - https://www.nytimes.com/2022/06/22/technology/personaltech/buy-now-pay-later-afterpay-klarna-affirm.html #quarantine(lifeandculture) #prices(faresfeesandrates) #computersandtheinternet #afterpaytouchgroupltd #contenttype:service #consumerprotection #fashionandapparel #personalfinances #creditscores #affirminc #klarnaab #appleinc
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Should You Buy Now, Pay Later? Tread Carefully. - Afterpay, Apple and other financial tech companies are popularizing installment plans for... - https://www.nytimes.com/2022/06/22/technology/personaltech/should-you-buy-now-pay-later-tread-carefully.html #quarantine(lifeandculture) #prices(faresfeesandrates) #computersandtheinternet #afterpaytouchgroupltd #contenttype:service #consumerprotection #fashionandapparel #personalfinances #creditscores #affirminc #klarnaab #appleinc
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We have had #creditScores for years.
Its simpler than that. The #covidResponse serves to divide and distract while they print money for themselves and to destroy #theInternet which gave us democracy and freedom via #Wikileaks-journalism and #bitcoin.
(See also #Cloudflare, the company monopolising the internet since 2009 while claiming they are "Helping to build a better internet" (seriously its their mantra) and #CentralBankDigitalCurrency (#CBDC))
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Credit Sesame launches a digital banking service focused on improving credit scores - Credit Sesame is getting into digital banking. The credit and loans company, first launched at TechC... more: http://feedproxy.google.com/~r/Techcrunch/~3/aKXBXGs6q6c/ #challengerbank #creditscores #creditsesame #finance #banking #mobile #credit #apps #bank
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Intuit to Buy Credit Karma to Create Financial Data Giant - The $7.1 billion transaction underscores the value of the financial details of ordinary Americans.... more: https://www.nytimes.com/2020/02/24/business/dealbook/intuit-credit-karma.html #mergersacquisitionsanddivestitures #computersandtheinternet #initialpublicofferings #personalfinances #creditkarmainc #creditscores #linkenneth #intuitinc #start-ups #software
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With Harsh Words, China’s Military Denies It Hacked Equifax - The People’s Liberation Army said U.S. indictments accusing four of its members of stealing inform... more: https://www.nytimes.com/2020/02/13/business/china-equifax-deny.html?emc=rss&partner=rss #unitedstatesinternationalrelations #espionageandintelligenceservices #defenseandmilitaryforces #cyberwarfareanddefense #cyberattacksandhackers #industrialespionage #creditscores #equifaxinc #china