3 Myths About Your Credit Score Debunked

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Lately, I’ve been compulsively checking my credit score. I needed a new apartment, I’m applying for loan consolidation, and I’ve been looking into getting a credit card. I wanted to know if these applications impacted my score.

Then, I was on the phone with my mother recounting my obsessive rituals—and she yelled at me: “You can’t do that!! It will RUIN your credit score. Every time you check your credit it goes down!!!”

Well that’s no fair … and it turns out, not true.

How To Get The Apartment You Want With No Credit (Or Bad Credit)

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I have some confessions to make.

I have almost no established credit. My boyfriend has bad credit. He’s looking to switch jobs in the near future. I’m a recent college graduate who has not held my job for very long. Oh, and we have a cat.

So, basically, we’re a landlord’s worst nightmare. Of course, we didn’t know this until our application for an apartment we really wanted was rejected.

How To Get A New Car For Under $2,000

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To get to my new job, I have to spend an hour on public transportation and then walk a mile. Frizzy hair and sweaty clothes are completely unavoidable, which pretty much nixes any hope I have of looking professional.

On a recent 90-degree and rainy walk to work, I decided I needed a car—preferably with AC. Unfortunately, I only had $2,000 to spend on one.

5 Steps To Create A Student Loan Repayment Plan With Your Parents

Don’t leave any money on the table when you negotiate—even if it’s with your parents.
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Graduation is right (and I mean right) around the corner. With that has come more stress than I’ve had in my entire life. This is partially due to my fear of falling down while on stage. But until recently, I was also freaking out because my parents and I still hadn’t decided if/how they’d be helping me repay my student loans after graduation. I decided the time had come for us to make a real game plan—a game plan that’s clear, tactical, and allows my parents and me to beat these loans together. Here are some steps you can take that may help you make a plan with your parents.