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Financial Resources links

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Boost Your credit Score & Financial Health with

These Trusted Resources! 

Enhancing your financial wellness and maintaining stability

is within reach! We've curated a list of reliable organizations

and their websites to help you get started on your journey

to financial empowerment.

📋 Essential Resources Include:

1- annualcreditreport.com - Free Annual Credit Report. Get your free annual credit report from the three main credit reporting bureaus safely and reliably. Reviewing your credit report is essential for maintaining financial health and ensuring there are no errors affecting your credit score.

2- Consumer Financial Protection Bureau. We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

3- Federal Trade Commission: The FTC, a U.S. government agency, protects the public from deceptive or unfair business practices through law enforcement, advocacy, research and education.

4- Federal Trade Commission Consumer Advice: If someone is using your personal information to open accounts, file taxes, or make purchases, visit the federal government’s FTC identity theft report and recovery one-stop resource page for help.

5- Federal Trade Commission: National Do Not Call Registry: The National Do Not Call Registry
gives you a choice about whether to receive telemarketing calls.

6- IRS Taxpayer Advocate Service: Assistance with Resolving Tax Problems: The Taxpayer Advocate Service is an independent organization within the IRS. They offer free assistance to guide people through resolving tax problems.

7OptOutPrescreen.com: Opt-Out to Stop Credit Offers: is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.

8- National Consumer Law Center (NCLC) — Student Loan Borrower Assistance Resources: Learn about student loan cancellation, loan repayment, or collection issues by visiting the NCLC website.

9- StudentAid.gov — Student Financial Aid Assistance: StudentAid.gov is a trusted federal resource for student financial aid assistance.

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FINACIAL CALCULATORS

Your FICO® Scores take into account five essential factors, which serve as key ingredients in their calculation.

FICO® Scores are derived from a myriad of credit data points present in your credit reports. However, they primarily focus on five key categories of information.

Payment History — 35% of a FICO® Score.

Your FICO® Score heavily weighs how you've handled past bill payments. Late or missed payments, particularly if recent or frequent, can significantly impact your score.

Amount of Debt — 30% of a FICO® Score.

Credit usage and debt levels are vital FICO® Score factors. Specific considerations include total balance owed, number of accounts with balances, and credit utilization.

Length of Credit History — 15% of a FICO® Score.

FICO® Scores factor in the length of your credit history, encompassing the age of your oldest account, the average age of all accounts, and the age of specific account types.

New Credit — 10% of a FICO® Score.

Your FICO® Scores factor in new credit activity, including the number of recent account openings and whether you've been shopping for a single loan or multiple credit lines. Opening several new accounts quickly signals higher credit risk.

Fico Score Graph
Credit Mix — 10% of a FICO® Score.

FICO® Scores consider diverse credit accounts like credit cards, loans, and mortgages. Credit mix matters more when your report lacks sufficient data for scoring

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