Scammers use email or text messages to trick you into getting your personal information such as passwords, account numbers, or Social Security numbers. These are called phishing scams. Scammers want your data to attempt to access your email, bank, or other accounts.
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Credit unions came into existence primarily to address the financial needs of individuals who were often underserved or neglected by traditional banks. Their origins are rooted in the principles of mutual aid, community support, and cooperative economics.
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A credit score is a key number that predicts your likelihood of repaying a loan. This score helps lenders quickly assess your creditworthiness, making the lending process faster and fairer. To keep your credit score healthy, pay your bills on time, keep credit card balances low, and avoid frequent credit applications.
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“Buy Now, Pay Later" (BNPL) services have become increasingly popular, offering a tempting alternative to credit cards. It’s convenient, quick, and feels like a smart financial move, but it’s important to understand the fine print.
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