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Whether you’ve heard it once, twice, or a thousand times, the idea that your credit score affects what kind of car loan you can get is probably burned into your mind, somewhere. On the surface, it seems simple. Higher credit scores equate to better car loans, and lower ones will net you less attractive offerings. But what are the real  credit score requirements for auto loans ? It turns out there are some intricate factors at play, and while the conventional wisdom generally holds true, there’s some subtlety you should be aware of, especially if you’re concerned about your current score. Your Credit Score Let’s get this out the way right off the bat. Your  credit score  is an analysis of your credit history, represented numerically, that shows your “ creditworthiness. ” Lenders use this score to determine how likely you are to be able to repay your debts and whether or not they will offer you a loan. Without going too deep into the history, your credit score is b...

WASHINGTON – The Department of Homeland Security is aware of reports of ransomware known as WannaCry affecting multiple global entities.  Ransomware is a type of malicious software that infects a computer and restricts users’ access to it until a ransom is paid to unlock it.  Microsoft released a patch in March that addresses this specific vulnerability, and installing this patch will help secure your systems from the threat. Individual users are often the first line of defense against this and other threats, and we encourage all Americans to update your operating systems and implement vigorous cybersecurity practices at home, work, and school. These practices include: - Update your systems to include the latest patches and software updates. - Do not click on or download unfamiliar links or files in emails. - Back up your data to prevent possible loss, whether you are at a family computer or company data. We are actively sharing information related to this event and stand...

Keys to a Higher Credit Score Credit scores provide a snapshot of your  financial health . Your credit score can affect everything from credit card limits to loans to your ability to rent an apartment or buy a home. A high credit score can indicate to lenders that you are likely more credit worthy while a low credit score can suggest you may be a loan risk. How to improve your score There are a few things you can do to improve your credit score over time. Reducing your  utilization percentage  helps keep your credit score up. Always paying bills when they’re due, keeping a modest balance on your credit cards and paying more than the minimum due each month will help with your credit utilization. Build your score for the future |  There are 4 key things you should do to grow your credit score for long term credit health. Sponsored by   OutofCredit.com  Credit Card Counseling 1. Pay your bills on time Paying your bills on time accounts for ...

Another day of  Email Phishing Attack , this one for Gmail user’s account as the target. Last Tuesday May 3, an email phishing attack that was designed to trick users into giving up access to their Gmail accounts started showing up on target email inbox. The 1st captured image below is an example of Gmail Phishing attack email. When a user click on the “ Open in Docs ” link, the hacker will exploit the Gmail user’s account. But it did not stop there, this phishing attack also behave as a “worm” that also sent itself out to all the affected user’s contacts. The 2 nd  captured image is an example of email coming from @gsa.gov infected user’s contact. You might receive a similar email coming from different email addresses. Please note the recipient email address “ [email protected] ” , I hope this is enough reason not to open or read this message, delete it right away. If you clicked on the link and enter your Gmail credentials please continue to read on how to p...