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Bad Credit

Do you need a rainy day fund?

A rainy day fund is like an umbrella. Most of the time, you won't feel like you need it. But when it rains, you'll be grateful to have one nearby. What is a Rainy Day fund? A rainy day fund is a personal savings collection for…

Average Credit Scores by Race

A study of average credit scores for different racial groups shows substantial disparities, with Hispanics scoring at the national average and the average black score falling well below that level. Meanwhile, White and Asian…