#creditchat

[ginamyoung]

Join me for Experian’s Credit Chat tomorrow! Learn how to talk to your significant other about money. #experian #creditchat #moneysavvyliving #moneysavvy #financeblogger #personalfinanceblog #couplesfinance #ASW19 https://www.instagram.com/p/BuXoPcdAxp_/?utm_source=ig_tumblr_share&igshid=km7ldatfbkpw

[tonyarealtor-blog]

Credit - What you don't know will hurt you #creditchat #moneymoves #creditscore #creditmantri https://t.co/B50fgD3FPK https://www.instagram.com/p/Bs9RN5AFkzh/?utm_source=ig_tumblr_share&igshid=b285ukeincms

[ultimateonlinemortgage]

instant credit report my credit report | Ultimateonlinemortgage.com

[persofina]

Join Our Tweetchat on Thursday 11/14, 12pm PST for a Chance to Win $300 in Prizes!

Join our Tweetchat this Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win a $200 gift card or one of two $50 gift cards! Use #WBChat and #CreditChat to participate. This week's topic: Shop Smart This Holiday Season! Join us as we talk about how to avoid... http://dlvr.it/RJF2cQ As seen on Wisebread.comsincerely yours Persofina: Personal Finance Hacks

[seedoflife]

The latest The Roney Smith Daily! https://t.co/tbh9wQQ0xF Thanks to @NonLeagueUSA @quasibee @Savan_Kotecha #brain #creditchat

The latest The Roney Smith Daily! https://t.co/tbh9wQQ0xF Thanks to @NonLeagueUSA @quasibee @Savan_Kotecha #brain #creditchat

— Roney Smith (@seedoflife) August 21, 2019

via Twitter https://twitter.com/seedoflife August 21, 2019 at 03:52PM

[cljrealty]

Tweeted

5 Biggest Reasons People Have Bad Credithttps://t.co/vJM5gkfXWG#badcreditloans #credit #creditrepair #CreditChat #creditscore #finance #financialeducation #Financial #DigitalMarketing #contentmarketing #GuestPost #bloggerswanted #BloggersRequired #blogger #SEO #publishing pic.twitter.com/pEXc2QHXlT

— Thiruvenkatam C (@tipsclear) February 14, 2019

[piaarviso]

RT https://t.co/zooR5RsP8u RT https://t.co/3FbuVZcSBz If you want to fix your #credit, lend money to yourself: https://t.co/Yic7htAfA0 #creditchat #CreditRepair #debt #persona… https://t.co/D5ZzB12eSx

RT https://t.co/zooR5RsP8u RT https://t.co/3FbuVZcSBz If you want to fix your #credit, lend money to yourself: https://t.co/Yic7htAfA0 #creditchat #CreditRepair #CreditCounseling #debt #persona… pic.twitter.com/D5ZzB12eSx

— Pia Arviso (@piaarviso) June 21, 2018

Source: @piaarviso June 21, 2018 at 09:56AM More info Alliance Credit Counseling

[richsinglemomma]

[Video] - Single Parenting on a Budget Experian #CreditChat

[Video] – Single Parenting on a Budget Experian #CreditChat

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[topinforma]

New Post has been published on Mortgage News

New Post has been published on http://bit.ly/2hsZWYn

Experian finds total student loan balances increased 149 percent since 2007

Costa Mesa, Calif., Aug. 29, 2017 ���Over the last decade, student loan debt in the United States has grown more than $833 billion to reach an all-time high of $1.4 trillion. Experian®, the leading global information services company, analyzed data from its consumer credit database and found that 13.4 percent of U.S. consumers, spanning from the Silent Generation to Generation Z, have one or more student loans on file.

The analysis shows that while student loans constitute the largest amount of non-household debt and the fastest growing debt segment, there is a lower percentage of late payments on these loans.

“Student loan balances are on the rise, which is a result of the increasing cost of higher education. Even with this number moving upward, the data is showing a decrease of delinquencies, which means that consumers are managing their loan payments better than they have in the past,” said Michele Raneri, vice president of analytics, Experian. “A student loan is an investment that can benefit someone for a lifetime. Making more informed decisions is essential for consumers and lenders alike. Lenders need deeper insights into the consumers they are lending to, and consumers — particularly younger borrowers — need a better understanding of how to manage their obligations.”

Key findings from the study include:

The average total student loan balance is $34,144.

The average VantageScore® for consumers with one or more student loans is 650 — 25 points lower than the national average of 675.

Consumers are taking out multiple student loans to fund their education:

The average number of student loans is 3.7 per person, up from 2.4 in 2007.

The percentage of late payments has dropped 10.1 percent since 2009.

Generational findings include:

Generation X has the largest outstanding balance — $39,802.

Generation Y has the largest number of loans — 4.4 per person.

Generation Z has the highest percentage of loans currently in deferment — 77 percent.

Regional insights Regionally, the study found that consumers on the East Coast tend to have higher student loan balances. Gainesville, Fla., has the highest average balance at $42,400, while Glendive, Mont., has the lowest at $20,200.

Student loan balances by metropolitan statistical area (MSA)

“In most cases, higher education is worth the investment because student loans pay off in the form of higher income over time. But it’s especially important for young people to understand the terms of their loans,” said Rod Griffin, director of public education, Experian. “Failure to repay even one of the loans or poor payment behavior could do long-lasting damage to your credit history and scores. Just as the value of your degree is measured over your entire career, how you manage your student loans will impact your financial future.”

An infographic featuring additional data on student lending isavailable here.

Educational resources Experian is committed to helping people reach their financial goals. On Tuesdays and Thursdays at 2:30 p.m. Eastern time, Experian’s director of public education Rod Griffin hosts a live Q and A onPeriscope, where he answers a variety of questions on topics like ways to avoid financial stress, how to create a budget and savings tips for students.Other ways to chat with Experian and learn more about credit:

Other ways to chat with Experian and learn more about credit:

Get helpful credit and personal finance tips (and take a behind-the-scenes look at Experian) daily on Snapchat.

Join #CreditChat, hosted by @Experian_US on Twitter, with financial experts and consumers every Wednesday at 3 p.m. Eastern time.

For answers to common questions, advice and education about consumer credit, visit Experian’s one-stop resource athttp://www.experian.com/education.

Contact:

Kristine Snyder Experian Public Relations 1 714 830 5192 kristine.snyder@experian.com

About Experian Experian is the world’s leading global information services company. During life’s big moments — from buying a home or a car, to sending a child to college, to growing a business by connecting with new customers — we empower consumers and our clients to manage their data with confidence. We help individuals to take financial control and access financial services, businesses to make smarter decisions and thrive, lenders to lend more responsibly, and organizations to prevent identity fraud and crime.

We have more than 16,000 people operating across 37 countries and every day we’re investing in new technologies, talented people and innovation to help all our clients maximize every opportunity. We are listed on the London Stock Exchange (EXPN) and are a constituent of the FTSE 100 Index.

Learn more atwww.experianplc.comor visit our global content hub at ourglobal news blogfor the latest news and insights from the Group.

[efabuloushb]

[So last minute... sorry... join if you can... ] >> Join Experian's upcoming #CreditChat as we talk about secrets to investing success. We’ll host this conversation on Twitter, and Snapchat. Topic: Laws of Wealth: The Secrets to Investing Success When: Wednesday, July 27 at 3 p.m. ET. Easy ways to chat with us on Twitter: Tchat

The panel will include: Dr. Daniel Crosby: President at Nocturne Capital; Rod Griffin: Director of Public Education at Experian and Mike Delgado: Director of Social Media & Community Engagement at Experian.

[piaarviso]

RT https://t.co/3FbuVZcSBz If you want to fix your #credit, lend money to yourself: https://t.co/Yic7htAfA0 #creditchat #CreditRepair #debt #personalfinance https://t.co/D5ZzB12eSx

RT https://t.co/3FbuVZcSBz If you want to fix your #credit, lend money to yourself: https://t.co/Yic7htAfA0 #creditchat #CreditRepair #CreditCounseling #debt #personalfinance pic.twitter.com/D5ZzB12eSx

— Pia Arviso (@piaarviso) June 21, 2018

Source: @piaarviso June 21, 2018 at 08:35AM More info Alliance Credit Counseling

[topinforma]

New Post has been published on Mortgage News

New Post has been published on http://bit.ly/2oPeSFS

Experian recognizes Financial Literacy Month to help move Americans toward financial capability

Costa Mesa, Calif., April 3, 2017 — Multiple studies have shown that consumers lack the confidence in their personal finance knowledge they need to make effective, fiscally wise decisions. Experian® supports financial education all year round, but during the month of April, we are joining the Jump$tart Coalition® to celebrate Financial Literacy Month (#FLM2017). The theme for this year’s initiative is “Creating a Financially Literate Future.” Throughout the month, Experian is providing free credit education and offering tips for consumers to better manage their credit profile.

“As technology rapidly evolves the financial industry, consumers are faced with more financial decisions than ever before,” said Rod Griffin, director of public education at Experian. “We play an active role in changing the dynamics of lending, so we take the responsibility of educating people very seriously. We want to help them feel confident in their decision-making. The only way to accomplish that is to ensure that effective financial education is provided throughout a person’s life.”

Here is a list of activities consumers, small-business owners and educators can participate in during the month of April:

Join @Experian_US in our weekly #CreditChat on Twitter and Google+ every Wednesday at 3 p.m. Eastern time. Experian’s public education experts and leaders in personal finance will discuss popular topics and ways consumers can change their financial behavior: — April 5 — Financial literacy 101: building money smart habits through education. — April 12 — Personal finance obstacles facing millennials, featuring Erin Lowry. — April 19 — Fun ways to teach children the importance of saving — April 26 — 2017 Data and credit trends, featuring the National Foundation for Credit Counseling®

• Experian hosts a daily #CreditChat live chat on Periscope at 3 p.m. Eastern time to answer questions about credit and money. • Follow @Experian_US on Snapchat for daily credit tips and a behind-the-scenes look at the world of Experian.

Conferences and events • At the Annual Conference on Financial Education in Chicago, Rod Griffin shared a glimpse of Experian’s forthcoming lesson plan on credit reports and credit scores. The teaching resources will be provided free to teachers to help them educate students about the importance of building good credit and how to do so. • On April 6, Alex Lintner, Experian’s president of Consumer Information Services, will discuss the future of financial services and how Experian is innovating for the consumer at the Jump$tart Coalition for Financial Literacy’s annual partner meeting. • Griffin will travel abroad April 19 to 22 with the Heroes at Home organization to teach American airmen and their families about managing, building and protecting their credit during events at key European Air Force bases. • Closing out Financial Literacy Month, Griffin will present the “Credit Reporting Roadmap,” explaining unique credit and credit reporting issues faced by U.S. consumers abroad, during the Americans Working Around the Globe Annual volunteer conference, April 23 to 28 in Germany.

“Helping families across the country improve their financial literacy is a big task, but we’ve made — and will continue to make — great strides by working collaboratively with our many and diverse partners, like Experian, this April and throughout the year,” said Laura Levine, president and CEO, Jump$tart Coalition for Personal Financial Literacy.

Here are some tried and true tips from Rod Griffin to help consumers improve their credit history:

• Review your credit report regularly — Your personal credit report is an easy-to-read record of your credit accounts and total indebtedness. Be sure to obtain a copy of your credit report once every 12 months (and especially before major purchases) and dispute any information you believe is inaccurate. You can request a copy of your report directly from Experian or once every year from Annual Credit Report. • Check your credit score — Credit scores can play an important role in your financial journey. They translate the information in your credit report into a number reflecting the risk of doing business with you. To check your risk, request a credit score when you order your credit report. You will receive an explanation of what the score means and which details from your credit report are most affecting it. • Keep your utilization rate low — Your utilization rate, or balance-to-limit ratio, should never exceed 30 percent of the credit limit. Your total credit card balances should never be more than 30 percent of your total credit card limits, and you don’t want any one card to have a balance of more than 30 percent of its limit. Both can hurt you. Remember, 30 percent isn’t a goal; it’s the maximum your balances should ever be. The lower your utilization rate, the better. • If you have missed payments, get current and stay current — Late payments, called delinquencies, may have a major negative impact on credit scores. To see the fastest improvement in your scores, catch up on late payments and pay down your balances. Late payments are the most important indicator of credit risk, so they have the greatest and longest-lasting impact. The more recently the missed payment occurred, the greater that impact will be, and the more missed payments you have, the longer it will take to recover. If you fall behind on your payments, contact your lenders to see if they can improve the terms of your debts.

Throughout April, the Financial Literacy Month campaign will encourage individuals to take the time to think and talk about their own money matters and to take full advantage of resources designed to improve their financial literacy and well-being.

Contact: Kelsey Audagnotti Experian Public Relations 1 714 830 7907 kelsey.audagnotti@experian.com

About Experian Experian is the world’s leading global information services company. During life’s big moments — from buying a home or a car, to sending a child to college, to growing a business by connecting with new customers — we empower consumers and our clients to manage their data with confidence. We help individuals to take financial control and access financial services businesses to make smarter decisions and thrive, lenders to lend more responsibly, and organizations to prevent identity fraud and crime.

We have 17,000 people operating across 37 countries and every day we’re investing in new technologies, talented people and innovation to help all our clients maximize every opportunity. We are listed on the London Stock Exchange (EXPN) and are a constituent of the FTSE 100 Index. Learn more at www.experianplc.com or visit our global content hub at our global news blog for the latest news and insights from the company.