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How to Take Advantage of Post-Purchase Price Drops

If something goes on sale after you bought it, don’t kick yourself. You won’t necessarily have to eat the cost of your inopportune timing.

Here are some options for getting money back.

Ask for a price adjustment

If you spot a lower price within a few weeks of purchase, you’ll often be able to get the difference refunded by going directly to the retailer. Target, Kohl’s, Macy’s, Wal-Mart and Best Buy are a few stores that offer price adjustments. While some retailers match competitors’ prices before purchase and only their own prices afterward, Target will match select competitors’ prices up to 14 days after you buy.

To make the process even easier, download Paribus, an app that monitors price reductions and sends price adjustment requests to retailers on your behalf.

Keep your receipts handy in case the store requires them. If you made your purchase online, make note of your order number before contacting the site.

For travel purchases, it pays to make a phone call. For instance, if hotel room rates change prior to your stay, you can ring the front desk and ask to have your bill adjusted to the new, lower rate.

Or, cancel your reservation and book again if prices drop — as long as you’re within the cancellation window, won’t face a fee and haven’t prepaid, says Rick Seaney, CEO and founder of travel website FareCompare. Always read the fine print.

Take advantage of price protection

Credit cards offer another approach to getting a refund through price protection. If your card has this feature, you’ll usually need to register items after you buy them with the card, then submit a claim form if you notice a price drop. For instance, Discover cardholders can file a claim to get back up to $500 on eligible items if they find a lower price within 90 days of purchase.

Citi has Citi Price Rewind, a price protection program that searches over 500 retailers’ online sites for 60 days after purchase. If Citi finds a lower price on a registered product, you can get a refund for the difference up to $500 per item and up to $2,500 per year. Some purchases, like refurbished items and food, don’t qualify.

So whether it’s monitoring prices for a few weeks after you buy, calling a merchant or registering a purchase on your credit card, putting in a little extra time can equal some extra money.

Courtney Jespersen is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @courtneynerd.

This article was written by NerdWallet and was originally published by USA Today.

Mortgage Rates Monday, March 27: Drop; Buyers Face Tight Inventory

Mortgage rates today for 30-year fixed loans and 5/1 ARMs dropped, while rates for 15-year fixed loans rose, according to a NerdWallet survey of mortgage rates published by national lenders Monday morning.

House_pricetag Mortgage Rates Today, Monday, March 27 (Change from 3/24) 30-year fixed: 4.29% APR (-0.05)15-year fixed: 3.69% APR (+0.01)5-1 ARM: 3.84% APR (-0.02) See your personalized rate offers Trulia: Buyers face lowest inventory since 2012

Fewer options for starter and trade-up homes are creating a dilemma for hopeful home buyers, who are also encountering rising home prices, according to the Trulia Inventory and Price Watch.

The quarterly report evaluates the supply of starter, trade-up and premium homes for sale across the U.S. and in the country’s largest metro areas.

» MORE: How much home can you afford?

Overall, there were 5.1% fewer homes on the market year-over-year in the first quarter of 2017, Trulia reported. The metro areas that have experienced the strongest home price growth since 2012 were also the housing markets with the lowest levels of inventory, Trulia said.

Inventory of starter homes — which are typically more affordable and desirable among first-time home buyers — and trade-up homes dipped 8.7% and 7.9%, respectively, year-over-year. Meanwhile, the number of premium homes slipped just 1.7%.

For would-be home buyers, especially millennial first-time buyers, saving for a down payment amid rising home prices and low inventory presents the biggest obstacle to homeownership.

“In markets plagued with tight inventory and decreasing affordability, millennials, who make up most of these first-time buyers, may find homeownership increasingly out of reach,” Ralph McLaughlin, Trulia’s chief economist, said in a news release. “However, there continues to be an uptick in new construction, which should help increase supply in some inventory-constrained markets.”

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

Deborah Kearns is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @debbie_kearns.

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Money Tips for Your Upcoming Study Abroad Trip

With spring break plans booked and paid for, many college students are now looking forward to their next adventure by prepping for study abroad in the summer or applying to do so in the fall.

More than 300,000 U.S. students headed to another country to study during the 2014-15 school year, according to the Institute of International Education. While a semester abroad is a great educational and cultural opportunity, students don’t want to learn money lessons the hard way.

With that in mind, NerdWallet wanted to help students prepare financially for their trip and find out where U.S. students were going. (Hint: for many, it’s just across the pond.)

Money tips to pack before studying abroad

Before students traveling, families should hammer out how they can access extra funds if they face a costly emergency or simply run out of money. If you’re a student headed overseas, you have a few options:

Become an authorized user on a parent’s credit card

When you’re an authorized user, you get a credit card with your name on it, but the bill goes to your parent, who is responsible for paying it — so use it wisely. Families who go this route should choose a credit card with no foreign transaction fees and ensure that it works wherever the student is visiting. (Visa and MasterCard work just about everywhere, and this analysis shows which gives the better exchange rate in 44 currencies.)

Use a debit card to withdraw cash from ATMs

Be savvy and avoid ATM fees to save money for gelato. Look for financial institutions that reimburse ATM fees worldwide. Using a bank that partners with ATM networks or institutions in the country you’re visiting will help you dodge fees, too.

Have your parents transfer money to you

With this tool, you can compare foreign exchange rates and fees for money-transfer services, which provide another way to get cash in a pinch. Depending on the provider and destination, families in the U.S. could send money directly to a student’s bank account or a pickup location within the same day. Getting money transferred to you can be a little trickier than using a credit card or ATM, but it’s a viable option if you need more than what’s in your bank account and you don’t want to rack up more credit card charges. Look into sending and delivery options, expected delivery speeds and foreign exchange rates.

Where in the world American students go

Of course, financial planning and budgeting depend, in part, on where you’re visiting. Below are the 10 countries that received the most American students in the 2014-15 school year, according to the Institute of International Education.

Consider conversion rates when planning your trip, as well as the price differences between here and wherever you study. If you get a jones for a Big Mac in Paris, it’ll set you back the equivalent of $8.46, according to the currency converter. The same burger is a bit more affordable in Beijing, where it runs around $4.20. Take a date to the movies in San José, Costa Rica, and you’d spend about $10.26 for two tickets; they’d be nearly three times as much, $30.58, in Tokyo.

Whether you plan to hit the books in London or see the sights in Rome, tell your bank and credit card company where and when you’ll be traveling abroad. That way, those institutions won’t suspect fraud and suspend your accounts.

Once you’re locked in financially, you can brush up on your language skills, buy a selfie stick and work on other, more fun, aspects of planning for your semester abroad.

Caren Weiner Campbell and Laura McMullen are staff writers at NerdWallet, a personal finance website. Email: or Twitter: @ccampbell_nw or @lauraemcmullen.

How to Invest $50,000

Everyone has a different definition of financial comfort, but let’s just say there’s not a whole lot uncomfortable about $50,000 landing in your lap — except, maybe, the weight of all that paper.

Deciding how to invest that amount of cash can get pretty heavy, too, especially if you — like most people — aren’t used to a flood of money all at once. Do you stick it in a mutual fund? Try to sniff out the next hot stock? Portion it as $1 bills so you can roll around on a carpet of money?

We suggest a more measured approach. First, make sure you know whether this money will be taxed — the IRS could quickly turn that $50,000 into a still-exciting-but-slimmer $35,000. Then check two crucial financial boxes: having an emergency fund and not having high-interest debt.

Now you’re ready to consider some investment options. Here are five suggestions for how to invest $50,000.

How to invest $50,000 Jump in with both feet Invest in an older, wiser version of yourself Take advantage of the room to diversify Get outside the retirement bubble Consider getting some advice for less 1. Jump in with both feet

When it comes to investing, time matters — specifically, time in the market. There’s an opportunity cost to keeping your money in cash, because even days and weeks of investment growth matter. So while you may be tempted to dribble this money in bit by bit, the best strategy, as outlined by Vanguard, is to go whole hog and drop that cash in.

That doesn’t mean you shouldn’t take time to figure out the best investment for you. (What do you think we’re doing here, anyway?) It means that once you’ve landed on a plan, jumping in will typically outperform dollar-cost averaging, a fancy term for that dribble strategy of investing a set amount at regular intervals in an attempt to smooth out the market’s highs and lows.

2. Invest in an older, wiser version of yourself

The you of tomorrow will really appreciate it if the you of today puts this money into a retirement account.

If your company offers a 401(k) that matches employee contributions, and you haven’t been contributing enough to earn that match, let this cash influx free up your budget so you can do so. (Unfortunately, you can’t dump this money in there in one shot, despite the advice above. A 401(k) has an annual contribution limit of $18,000 — $24,000 if you’re 50 or older — and is funded via deferrals from your paycheck; most don’t accept lump sum contributions.)

The other option, if you don’t have a 401(k) or you’re already fully funding one, is an individual retirement account like a Roth or traditional IRA. These, too, have annual contribution limits — a combined $5,500 ($6,500 if 50 or older). Is it worth putting away that kind of chump change now that you’re such a baller? This Roth IRA calculator, which does the math to project the value of your contributions down the line, will tell you that the answer is “yes.”

» Which retirement account is best for you? We break down IRAs vs. 401(k)s

3. Take advantage of the room to diversify

Plenty of things get easier when you have more money, and diversification is one of them.

When you have a couple hundred or a even few thousand dollars, it’s hard to spread that money around. Many people end up choosing a fund with built-in asset allocation, like a target-date fund, or a Standard & Poor’s 500 index fund, which holds some of the largest companies in the U.S.

But with $50,000 you can really get your diversification game on — did we make that sound fun? — and look at all the things that a good asset allocation plan considers: taxes, investment goals, time horizon and risk tolerance.

If the goal is retirement and your time horizon is long, that means, well, you’ll probably still put most of your portfolio into an S&P 500 index fund. Those big companies are big for a reason, and their continued growth and stability is a good anchor. But you’ll also have money left to spread around to funds that hold small and medium-size companies, and to international and emerging markets. For nearer-term goals, or to balance out risk, you can select bond funds.

» Want to pick stocks instead? Here’s our guide for how to buy stocks

Because the cash you have is more than 401(k) and IRA contribution limits, you’ll probably also want to open a brokerage account so you can invest the rest. You should look at all your long-term money as one larger portfolio, regardless of how many accounts you have. For example, you can fill gaps in a subpar 401(k) investment selection with the investments you choose in your IRA or taxable account.

You also want to optimize for tax efficiency. Because a taxable brokerage account is, well, taxable, it makes sense to hold investments that carry a low tax burden — like stock index funds and municipal bond funds — in that account. Investments that are taxed as ordinary income or that generate capital gains, like corporate bond funds and mutual funds with high stock churn, should go in a tax-deferred account like a traditional IRA or 401(k).

4. Get outside the retirement bubble

As far as investing goals go, retirement hogs all the attention. But a windfall can feel like permission to consider the goals that are secondary but also important, such as a house down payment or college for your kids.

A house is not an investment, but it is an asset. Assuming your home holds value, your monthly mortgage payments build up a pot of equity you can tap one day. But first you’ll need a down payment, and it can take years to save up the recommended 20% down to avoid private mortgage insurance, which can add $100 or more to your monthly payment, depending on your home value. This extra cash can go a long way toward speeding up that process.

As for a college fund, the IRS allows you to front-load 529 plan contributions, which are subject to the annual gift tax exclusion. You can put in five years’ worth of contributions at one time — that’s $70,000; or $140,000 for a married couple — without paying a gift tax.

5. Consider getting some advice for less If you want someone to dive deep into your financial life, you want a financial advisor. And these days, you can get one for much less than you would’ve paid five or 10 years ago, thanks to online advisor services like Personal Capital and Vanguard Personal Advisor Services. Your $50,000 meets the minimum balance requirement for both services. How to invest  We’ve written about how to invest other amounts as well. • $500 • $1,000 • $5,000 • $10,000 • $20,000

These companies have computer algorithms doing much of the portfolio management dirty work, but on the front lines are human advisors who can walk you through the recommendations made by those computers and make adjustments based on your feedback.

The computers make the services cheaper than a direct relationship with a financial advisor, but the human element is still very much there. At Personal Capital, you’ll pay 0.89% of your account balance and be paired with a dedicated financial advisor. At Vanguard, you’ll pay 0.30% and work with a team of advisors, meaning you may speak to a different person each time.

Arielle O’Shea is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @arioshea.

Ask Brianna: How Can I Fund a Wedding and Pay Student Debt?

“Ask Brianna” is a Q&A column for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to

This week’s question: I’m 25 and I just got engaged. I want to pay off my student loans by the time I’m 30. How can I pay for my wedding with student debt hanging over me?

Congratulations on your engagement! First, luxuriate in the news before you freak out that your guest list can fill a 500-line spreadsheet. Fiddle with your engagement ring in disbelief, daydream about married life, celebrate with friends and family.

No doubt, visions of pricey perfection will soon bombard you from magazines, Instagram feeds and Pinterest boards. You’ll learn the average U.S. wedding cost $35,329 in 2016, according to The Knot’s Real Weddings Study.

But let go of everyone else’s expectations, starting now. Create a thoughtful, realistic budget and forget widely cited figures like The Knot’s; a few lavish celebrations drive up the average. A solid 44 percent of U.S. weddings in 2016 cost less than $10,000, according to The Wedding Report, a wedding research company.

Here’s how to plan nuptials that leave you smiling so much your face hurts, not grimacing at the specter of credit card debt.

Start with how much you can contribute

You and your fiance will be best prepared to start life together if you fortify your financial health before the wedding, says Anika Hedstrom, a certified financial planner at Vista Capital Partners in Portland, Oregon, who got married in July 2014. That means taking advantage of any 401(k) matches at work, creating an emergency fund, knowing each other’s credit scores and sticking to your student loan repayment plans. Once you’re on solid footing, the last thing you want to do is add wedding debt to your love story.

“You will end up being so thankful a couple years down the road that you didn’t go into debt over it,” Hedstrom says.

Decide how much you and your fiance can save per month for the wedding, including any honeymoon expenses, while keeping the rest of your financial picture intact. Maybe you’re getting married a year from now and can save $100 per month. Put yourself down for $1,200.

Next, talk to your folks

You’ll likely have a few sources of funds: The Knot says couples themselves covered 42 percent of wedding costs in 2016, the bride’s parents paid for 44 percent and the groom’s parents paid for 13 percent.

Not everyone will be able to, or want to, receive financial help from parents. But include your families in the budget conversation early. You’ll get a sense of what, if anything, they want to contribute and how much involvement they want in the planning process.

“It’s especially important, if getting money from family, to be clear about whether contributions are gifts or loans, and whether there are expectations associated with the money,” says Ariel Meadow Stallings, author of “Offbeat Bride: Creative Alternatives For Independent Brides” and publisher of

For instance, if your parents help pay, they may want to invite their work colleagues. Make sure you’re OK with that, or come to an agreement on the number of people they invite.

Pick your priorities, and forget the rest

On a smaller budget, spend money on your three must-haves and consider completely eliminating things that don’t matter to you, like flowers, Stallings says. Look for creative ways to save: Enlist friends to make wedding gifts of their services, such as food prep or event planning, and collect RSVPs online instead of paying for postage for return envelopes. The keys are customizing savings strategies to your values and keeping perspective.

Take it from Ashlyn Whyte, 26, of Rancho Cucamonga, California. Her 150-person wedding cost $23,000 in 2013. But if she were to do it again, she says she’d make sure the event cost half that by inviting fewer people and using an iPhone playlist instead of a DJ.

“I do think it was a great day and it was beautiful and we love our pictures and have so many sweet memories,” she says. “But it was just a day.”

Brianna McGurran is a staff writer at NerdWallet. Email: Twitter: @briannamcscribe.

This column was written by NerdWallet and was originally published by The Associated Press.

Retire Right: Plan to Do It Twice

There’s the retirement that looks like the commercials: biking, travel, enjoying the family.

And then there’s the one where you can’t get up the stairs anymore.

Most of us happily plan for the first, when our health is good and energy high. The second can be hard to contemplate, when health falters and medical crises can change lives in an instant.

Yet a focus on just the active part of retirement can shortchange your quality of life once you begin to decline, which is why financial advisors suggest you also look at how you’ll live in the later phase. Here’s what you should consider for that second stage.

Envision the future

Certified financial planner Dana Anspach of Scottsdale, Arizona, doesn’t want her clients to prematurely give up their homes or make other moves that may not suit them. One couple she advised, for example, moved into a continuing care community — one that includes independent living, assisted living and nursing home care — in their 80s and moved back out again a year later because they couldn’t entertain or decorate their apartment the way they wanted. (They used their refunded deposit to buy a condo and had enough money to pay for in-home care.)

Anspach also has heard horror stories of elders who stayed too long in unsafe conditions until health crises propelled them into the hospital — and left their families scrambling to deal with the costs, their care and what to do with the family home.

The key, planners say, is to start thinking and talking about how you want to cope when your health begins to fail.

“You have so many more options if you plan earlier and set up the trajectory of where you’re wanting to go,” says Danielle Howard, a CFP in Basalt, Colorado.

Howard starts with the somewhat easier decisions, such as whom the clients want to make medical and financial decisions should they become incapacitated. Then the discussion moves to the harder topics — imagining life when they can’t navigate stairs or drive or handle daily activities such as cooking, cleaning, dressing or bathing themselves.

Could they stay in their current home? Would it need to be modified? Who will provide their care, and how will they pay for it?

Anspach advises clients who don’t have long-term care insurance or family members willing to provide care to save their home equity for such expenses, rather than using it to boost their retirement income. (Home equity can be tapped with lines of credit or reverse mortgages or by selling the home.)

If parents do expect children to help, Anspach says, they need to make sure the kids are on board and that those kids’ lives are stable enough to provide care if the parents move closer.

“You don’t want to move across the country and have them get transferred somewhere else,” Anspach says.

Take caregivers’ needs into account

Parents also should consider how they can make things easier for their caregivers, says Ed Vargo, a CFP in Cleveland. Vargo encouraged his in-laws to move from a home that was 20 minutes away to one that was five minutes away.

“That 20 minutes can turn into an hour back and forth, and you may be going multiple times a day,” Vargo says.

His mother-in-law, Rose Forrester, understood those dynamics well. Before she retired three years ago, Forrester was a physical therapist who provided in-home care to older patients — and a caregiver to her mother, who also lived 20 minutes away. Eventually, Forrester and her husband, Dan, moved the elderly woman into their home, where she lived for three years until her death.

Then the couple began to talk about what they should do to make things easier for themselves and their kids in coming years. Neither wanted to leave their home of four decades, but both realized its stairs and layout would be tough to navigate someday.

“I could have stayed 10 more years, but in 10 years I knew I wasn’t going to have the energy to move,” Forrester says. The couple moved to a one-level, ranch-style home three years ago, when he was 68 and she was 66.

Vargo is now talking with his father about moving closer. The older man initially rejected the idea but after a few years of discussions has said he’s now considering it.

“There’s a tendency for people to tell other people what they should do. That doesn’t really work,” Vargo says. “Have a discussion, share your concerns, but be patient.”

Liz Weston is a certified financial planner and columnist at NerdWallet, a personal finance website, and author of “Your Credit Score.” Email: Twitter: @lizweston.

This article was written by NerdWallet and was originally published by The Associated Press.

What Is a Personal Check — and Is It Still Useful?

A personal check is a slip of paper that is linked to your checking account. On the check, you write an amount of money and the name of a recipient who will receive that money. The check is a promise that the money will be there when the recipient redeems it, whether hours, days or weeks later. Checks are like slow-motion debit cards, which is why they can seem out of date.

That doesn’t mean you should chuck your checkbook into the trash can. You might need to write a check occasionally, and doing so has its pros and cons.

Are personal checks useful?

They certainly can be, because some transactions still require checks. For instance, landlords may insist that tenants pay rent with checks, and some small businesses don’t accept credit or debit cards. If you prefer to stay disciplined with your spending, checks or cash can also be a better choice than plastic.

» MORE: How to write a check

Pros of personal checks

You avoid convenience fees. Some businesses, including many property managers, charge convenience fees for electronic payments. Payments via paper check are usually free.

They have old-school security. If your wallet or purse is lost or stolen, you can kiss your cash goodbye. But banks and merchants still require a signature on every check, and cashiers are typically required to check customers’ IDs to verify that signatures are legitimate.

It’s an offline option. According to the Pew Research Center, 13% of all U.S. adults don’t use the internet. Paying bills with a check is much easier for these consumers than paying in person with cash.

Cons of personal checks

Checks cost money. Paying with a check can help you avoid convenience fees, but you usually have to pay for your actual checks, and you’ll definitely have to shell out a few bucks each month for envelopes and stamps if you use checks to pay bills by mail. Try finding a checking account that offers a free first box of checks, which some of the best checking accounts do. Processing takes longer. Cash, credit, debit or smartphone transactions process fairly quickly. And you can check your accounts immediately after the purchase to know how much you have left to spend. But check payments aren’t posted to your account until the recipient cashes the check. If you forget to log a payment or miscalculate your remaining balance, you could overdraw your account.

Writing them is inefficient. Imagine you and a friend simultaneously enter separate checkout lines at the store. Hers is for customers paying with cash and yours is for those with checks. Chances are good your friend will be waiting in the car for awhile before you finish writing your check.

Checks can be convenient

If your checking account offers free checks, you might as well order a batch. And even if it doesn’t, it might be handy to have some available, but don’t overpay for them. That may mean ordering them from somewhere other than your bank or credit union.

Tony Armstrong is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @tonystrongarm.

Updated March 23, 2017.

Cutting Through Credit Score Confusion After Experian Fine

Consumers have more access to their credit scores than ever, allowing them to make informed financial decisions. But these scores can be confusing because there’s no guarantee the score a consumer looks at is the same one a lender will use.

Experian today became the latest of the three major credit reporting agencies to be fined for misrepresenting the scores it offered to consumers.

Here’s what consumers need to know about the many credit scores out there, and when and how to use them.

Credit bureaus penalized

The Consumer Financial Protection Bureau fined Experian $3 million, saying the credit bureau:

  • Led customers to believe its proprietary PLUS scores were the same ones used by lenders to make decisions, in violation of an agency regulation
  • Required customers to view ads for Experian before they could see their federally mandated free credit reports, violating the Fair Credit Reporting Act

TransUnion and Equifax, the other two major credit reporting agencies, were fined earlier this year for similar violations, and ordered to issue refunds to consumers as well. In a statement, Experian said it does not believe it violated the law.

What to know about credit scores and reports

Consumers have a right to a free copy of their credit reports — a roster of all credit-related activity — from each of the three major credit reporting agencies once every 12 months. They’re easiest to access through

Credit scores, on the other hand, are a number that estimates how likely a consumer is to repay borrowed money. They are calculated from information in credit reports. That’s why consumers should check their free reports periodically for errors that might affect their scores.

While consumers aren’t granted by law the right to see their credit scores, as they are for credit reports, free scores are available from dozens of sources. However, most free scores are proprietary, as Experian’s were, or they are from VantageScore, the main competitor to the older, better-known FICO score. About 90% of the scores used in credit decisions are FICO scores, FICO says.

How to use scores

Free scores are much less likely to be used in lending decisions, but they’re an easy way for consumers to monitor their finances and check progress as they work on improving credit health. Better credit means a better chance of getting loan or credit card approvals, and better interest rates.

VantageScore and FICO calculate scores on many of the same factors. If a consumer has a high score on one, he or she is likely to have a high score on the other. Here’s what builds good credit scores:

  • Pay bills on time, every time
  • Keep balances on credit cards well below credit limits (no more than 30%, and lower is better)
  • Apply for credit only when needed
  • Have more than one kind of credit (for example, credit cards and loans with defined payments)
  • Keep accounts open; the age of credit accounts can help boost a score

However, before a big financial decision, such as applying for a mortgage or a car loan, it makes sense to get the scores that will be used in the lending decision. That usually means FICO.

National Consumer Law Center staff attorney Chi Chi Wu says many consumers can now get a free FICO score through the FICO Open Access program from participating credit card companies, other lenders or nonprofit credit counselors: “While there is no one credit score, a FICO score from the Open Access program is actually a score that is probably being used by lenders.”

Bev O’Shea is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @BeverlyOShea.

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