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One of the most important parts of the home loan process is utilizing your credit score. Credit score is one of the primary factors that determines many of the vital financial details of a mortgage loan, and can often be the difference between you getting the mortgage rates you need and not doing so.

Creature comforts like smartphone bank deposits are nice, but how much are they costing you? Your statement might not show the costs directly, but there’s an old adage about situations like this: If you’re not paying for a service, you’re not the customer. You’re the product. In this case, corporate banks use slick technological bells and whistles to get you in so you’ll be more likely to take out loans and use other for-pay services.

"Can you hear me now?" is the once-popular tagline of Verizon commercials, but it's also the headline of a new scam. Scammers making robocalls will ask some innocuous question. Once the targeted person says "yes," a recording is made of the response and it is used to sign up the target for unwanted, expensive services. It's a scheme that's been targeted at businesses before, but it has now shifted targeting to individual consumers across the country.