Credit Scores and Reports.

Understanding your credit score and report is crucial to your financial well-being.

This topic covers how credit scores are calculated, how to improve your credit score, and how to read and dispute errors on your credit report.

I. Introduction

A. Importance of understanding credit scores and reports

Your credit score and report play a significant role in your financial life. Whether you're applying for a loan, renting an apartment, or even getting a new job, your credit history can impact your ability to get approved or negotiate favourable terms. Understanding your credit score and report is essential for making informed financial decisions and improving your financial well-being.

B. What is a credit score and report?

Your credit score is a three-digit number that represents your creditworthiness. It's based on the information in your credit report, which is a detailed history of your credit accounts and payment history. Credit scores range from 300 to 850, with higher scores indicating better creditworthiness.

C. Overview of how credit scores are calculated

Credit scores are calculated using a variety of factors, including your payment history, credit utilization, length of credit history, types of credit, and new credit inquiries. Each factor is weighted differently, and your score can vary depending on the credit bureau and scoring model used. Generally, payment history and credit utilization are the most critical factors in determining your credit score.

D. Explanation of credit reports and what they contain

Credit reports contain detailed information about your credit accounts, including payment history, balances, and credit limits. They also include public records and collection accounts, such as bankruptcies, foreclosures, and judgments. Additionally, credit reports may contain inquiries, which are requests for your credit history from lenders or other authorized parties.

By law, you are entitled to one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Reviewing your credit report regularly is crucial for identifying errors, detecting fraud, and improving your credit score.

Overall, understanding your credit score and report is essential for taking control of your financial future. In the following sections, we'll dive into the factors that affect your credit score, how to improve your credit score, and how to read and dispute errors on your credit report.

II. Factors That Affect Your Credit Score

A. Payment history

Your payment history is the most critical factor in determining your credit score, accounting for about 35% of the score. This factor considers how frequently you've made payments on time, how long you've gone without missing a payment, and whether you've had any late or missed payments.

Late or missed payments can have a significant negative impact on your credit score, as they suggest to lenders that you may not be able to handle credit responsibly. On the other hand, consistently making payments on time can help boost your score.

B. Credit utilization

Credit utilization refers to the amount of credit you've used compared to the total credit available to you. It accounts for around 30% of your credit score. High credit utilization can be a red flag to lenders, as it suggests that you may be overextended and may struggle to make payments.

Ideally, you should aim to keep your credit utilization below 30% of your available credit. For example, if you have a credit limit of $10,000, you should try to keep your balance below $3,000. Lower credit utilization can help boost your credit score.

C. Length of credit history

The length of your credit history accounts for about 15% of your credit score. Lenders prefer borrowers who have a long history of managing credit responsibly, as it suggests that they are likely to continue doing so in the future.

If you're new to credit, there's not much you can do to improve this factor other than to establish credit accounts and use them responsibly over time. If you have a long credit history, avoid closing old accounts, as this can shorten your credit history and negatively impact your score.

D. Types of credit

The types of credit you've used make up around 10% of your credit score. Lenders like to see a mix of credit accounts, including credit cards, instalment loans, and mortgages. Having a variety of credit accounts can suggest that you're able to handle credit responsibly and can help boost your credit score.

E. New credit inquiries

New credit inquiries account for about 10% of your credit score. When you apply for new credit, lenders may check your credit history to determine your creditworthiness. Multiple inquiries within a short period can suggest that you're taking on too much new credit and may negatively impact your score.

To minimize the impact of new credit inquiries on your score, limit your applications for new credit to only those you really need. Additionally, try to do your rate shopping within a short period, such as 14 to 45 days, to avoid multiple inquiries from different lenders.

By understanding the factors that affect your credit score, you can take steps to improve your score and maintain good creditworthiness. In the following section, we'll explore strategies for improving your credit score.

III. Strategies for Improving Your Credit Score

A. Pay your bills on time

As mentioned earlier, your payment history is the most significant factor in determining your credit score. To improve your credit score, it's crucial to make timely payments on all your credit accounts. Even a single late payment can have a significant negative impact on your score.

To ensure that you make timely payments, consider setting up automatic payments or reminders. Also, prioritize your payments and make sure to pay at least the minimum amount due on all your accounts.

B. Reduce your credit utilization

High credit utilization can have a significant negative impact on your credit score. To improve your score, aim to keep your credit utilization below 30% of your available credit. If possible, pay down your balances to reduce your credit utilization.

You can also consider asking for a credit limit increase, which can help lower your credit utilization. However, be careful not to use the extra credit as an excuse to overspend, as this can lead to further debt and negatively impact your score.

C. Check your credit report for errors

Mistakes in your credit report can negatively impact your credit score. To ensure that your credit report is accurate, regularly check it for errors and dispute any inaccuracies with the credit bureau.

Common errors include incorrect personal information, accounts that don't belong to you, and incorrect payment history. Disputing errors can take some time, but it's worth the effort to ensure that your credit report is accurate and your score is not negatively impacted by errors.

D. Don't close old credit accounts

Closing old credit accounts can shorten your credit history, which can negatively impact your credit score. Even if you're not using an old account, keeping it open can help boost your score by increasing your average account age.

If you're worried about the temptation to use an old credit account, consider cutting up the card or locking it away somewhere safe. Keeping the account open can help improve your credit score over time.

E. Avoid opening too many new accounts

Opening too many new credit accounts can negatively impact your credit score by increasing your credit utilization and the number of new credit inquiries on your report. To avoid this, only open new accounts when necessary and try to limit your applications for new credit to those you really need.

F. Consider a credit-builder loan or secured credit card

If you're new to credit or have poor credit, a credit-builder loan or secured credit card can help you improve your credit score. These types of accounts are designed to help you establish or rebuild credit by making timely payments.

With a credit-builder loan, you make payments into an account, and the lender reports your payments to the credit bureaus. Once you've made all your payments, you'll receive the funds.

With a secured credit card, you make a deposit that acts as collateral for your credit limit. You can then use the card like a regular credit card and make timely payments, which are reported to the credit bureaus.

By implementing these strategies, you can improve your credit score and maintain good creditworthiness. Remember, improving your credit score takes time and effort, but it's worth it in the long run.

IV. How to Read and Dispute Errors on Your Credit Report

A. Understanding Your Credit Report

Your credit report contains a wealth of information about your credit history, including your payment history, credit utilization, account balances, and more. Understanding how to read your credit report is crucial for identifying errors and inaccuracies that could be negatively impacting your credit score.

Your credit report will include the following information:

Personal Information:

This includes your name, address, date of birth, and social security number.

Account Information:

This includes details about your credit accounts, such as the type of account, the date it was opened, the credit limit or loan amount, the current balance, and the payment history.

Credit Inquiries:

This includes a list of companies that have requested your credit report, which can impact your credit score.

Public Records:

This includes information about any bankruptcies, tax liens, or other legal judgments that may impact your creditworthiness.

B. Checking Your Credit Report for Errors

Regularly checking your credit report is essential for identifying errors or inaccuracies that may be negatively impacting your credit score. You are entitled to one free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every year.

To check your credit report, visit annualcreditreport.com, which is the only authorized website for obtaining your free credit report. Review your report carefully, paying attention to the following details:

Personal Information:

Check that all of your personal information, such as your name, address, and social security number, are correct.

Account Information:

Review each account on your report to ensure that the information is accurate, including the credit limit or loan amount, the current balance, and the payment history.

Credit Inquiries:

Check that all credit inquiries on your report are accurate and that you recognize the companies listed.

Public Records:

Review any public records on your report to ensure that the information is accurate.

C. Disputing Errors on Your Credit Report

If you find errors on your credit report, it's essential to dispute them with the credit bureau.

Here's how to dispute errors on your credit report:

Identify the Errors:

Make a list of the errors you've identified and gather any supporting documentation, such as receipts or statements.

Contact the Credit Bureau:

Contact the credit bureau in writing, either by mail or online, and explain the errors you've identified. Include copies of any supporting documentation.

Wait for a Response:

The credit bureau will investigate your dispute and respond within 30 days. If the bureau finds that the information is inaccurate, they will update your credit report accordingly.

Follow Up:

If the credit bureau does not resolve your dispute, follow up with additional documentation and continue to escalate the issue until it's resolved.

In summary, regularly checking your credit report for errors and inaccuracies is crucial for maintaining good creditworthiness. By understanding how to read your credit report and how to dispute errors, you can ensure that your credit score accurately reflects your credit history.

V. How to Improve Your Credit Score

A. Understand What Affects Your Credit Score

Your credit score is impacted by several factors, including your payment history, credit utilization, length of credit history, types of credit accounts, and recent credit inquiries. Understanding how each of these factors affects your credit score can help you take steps to improve it.

Payment History:

Your payment history is the most significant factor in determining your credit score. Late payments, missed payments, or defaulting on a loan can have a severe impact on your credit score.

Credit Utilization:

Your credit utilization is the amount of credit you're using compared to your credit limit. High credit utilization can negatively impact your credit score.

Length of Credit History:

The length of your credit history is the amount of time you've had credit accounts open. Longer credit history can improve your credit score.

Types of Credit Accounts:

Having a mix of credit accounts, such as credit cards, instalment loans, and mortgages, can positively impact your credit score.

Recent Credit Inquiries:

Multiple credit inquiries in a short period can negatively impact your credit score.

B. Steps to Improve Your Credit Score

Improving your credit score takes time, but there are steps you can take to start seeing results:

Pay Your Bills on Time:

Late payments can significantly impact your credit score. Set up automatic payments or reminders to ensure you don't miss any payments.

Reduce Your Credit Utilization:

Aim to keep your credit utilization below 30% of your credit limit. If you have high balances, make a plan to pay them down over time.

Keep Old Credit Accounts Open:

The longer your credit history, the better your credit score. Keep your oldest credit accounts open, even if you don't use them.

Diversify Your Credit Accounts:

Having a mix of credit accounts can positively impact your credit score. Consider opening a new credit account, such as a credit card or installment loan, to diversify your credit.

Limit New Credit Inquiries:

Only apply for new credit when necessary, and try to limit multiple credit inquiries within a short period.

Check Your Credit Report:

Regularly check your credit report for errors or inaccuracies and dispute them promptly.

C. Patience is Key

Improving your credit score takes time and effort, so it's essential to be patient and persistent. It can take several months or even years to see a significant improvement in your credit score, but every positive step you take can help you move in the right direction.

In conclusion, understanding the factors that affect your credit score and taking steps to improve it can have a significant impact on your financial well-being. By following these tips, you can start taking control of your credit score and working towards a brighter financial future.

VI. How to Read and Dispute Errors on Your Credit Report

A. Understanding Your Credit Report

Your credit report is a detailed record of your credit history and financial behaviour. It includes information such as your payment history, credit accounts, credit inquiries, and public records such as bankruptcies or liens. Understanding how to read your credit report is crucial to ensure its accuracy.

Check for Errors:

Review your credit report for errors or inaccuracies. Common errors include incorrect personal information, accounts that aren't yours, and incorrect balances or payment histories.

Understand Your Scores:

Your credit report includes your credit score from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Understand what range of scores is considered good or bad and how your score compares.

Identify Negative Items:

Negative items on your credit report, such as late payments, collections, or bankruptcies, can negatively impact your credit score.

B. Disputing Errors on Your Credit Report

If you find errors or inaccuracies on your credit report, it's essential to dispute them promptly. Follow these steps to dispute errors on your credit report:

Gather Evidence:

Gather any evidence, such as bank statements or payment records, that supports your dispute.

Contact the Credit Bureau:

Contact the credit bureau that provided the credit report and inform them of the errors. Include any supporting evidence.

Wait for Investigation:

The credit bureau will investigate your dispute and contact the creditor to verify the information.

Review the Results:

Once the investigation is complete, review the results and ensure the errors have been corrected.

C. Other Tips for Improving Your Credit Report

Improving your credit report takes time, but there are steps you can take to start seeing results:

Keep Accounts Up to Date:

Ensure that all of your credit accounts are up to date and accurate, including your personal information and payment history.

Stay on Top of Payments:

Late payments can significantly impact your credit score. Stay on top of payments and set up automatic payments or reminders to ensure you don't miss any.

Dispute Inaccuracies Promptly:

Dispute any inaccuracies or errors on your credit report promptly.

Monitor Your Credit Report:

Regularly monitor your credit report for errors or inaccuracies and dispute them promptly.

D. Final Thoughts

Your credit report and score are essential to your financial well-being. By understanding how to read your credit report and dispute errors, you can ensure its accuracy and take steps to improve your credit score. Be persistent and patient, and with time and effort, you can achieve a brighter financial future.

VII. Common Misconceptions About Credit Scores and Reports

A. Myth: Checking Your Credit Score Lowers It

One common myth is that checking your credit score will lower it. However, this is not true. When you check your credit score, it's considered a "soft inquiry," which doesn't impact your credit score. Only "hard inquiries," such as when you apply for credit, can lower your credit score.

B. Myth: Closing Credit Accounts Boosts Your Score

Another myth is that closing credit accounts will boost your credit score. However, this is not always the case. Closing a credit account can actually lower your credit score by reducing your available credit and increasing your credit utilization ratio. It's generally best to keep credit accounts open, even if you're not using them, to maintain a healthy credit history.

C. Myth: Paying Off a Negative Item Will Remove It

It's a common misconception that paying off a negative item on your credit reports, such as a collection or charge-off, will remove it from your credit report. However, paying off a negative item will not remove it from your credit report. The negative item will remain on your credit report for a set period, usually seven years from the date of the first delinquency.

D. Myth: Your Income Affects Your Credit Score

Your income is not a factor in determining your credit score. Your credit score is based on your credit history and behaviour, such as your payment history, credit utilization ratio, and length of credit history.

E. Myth: Your Credit Report Is the Same Across All Three Credit Bureaus

While the three major credit bureaus (Equifax, Experian, and TransUnion) generally have similar information on your credit report, they may not be identical. Each credit bureau may receive and report slightly different information, which can result in differences in your credit score.

F. Myth: Credit Counselling Will Hurt Your Credit Score

If you're struggling with debt and considering credit counselling, you may be worried that it will hurt your credit score. However, credit counselling itself does not directly impact your credit score. However, enrolling in a debt management plan (DMP) through a credit counselling agency may affect your credit score by temporarily closing some of your credit accounts.

G. Final Thoughts

It's essential to understand the truth behind common myths about credit scores and reports. By debunking these myths, you can make more informed decisions and take steps to improve your credit score and financial well-being. Remember to regularly monitor your credit report for errors and inaccuracies and take steps to dispute them promptly. With time and effort, you can achieve a healthy credit history and score.

VIII. The Importance of Maintaining a Good Credit Score

Your credit score plays a crucial role in your financial well-being. It affects your ability to get approved for credit, such as loans and credit cards, and can also impact the interest rates and terms you're offered.

Here are some reasons why maintaining a good credit score is essential:

A. Access to Credit

Having a good credit score means you have access to credit when you need it. Whether you're applying for a mortgage, car loan, or credit card, a good credit score can help you get approved and secure favourable terms. With a poor credit score, you may have trouble getting approved for credit, or you may be offered higher interest rates and less favourable terms.

B. Lower Interest Rates

With a good credit score, you're more likely to qualify for lower interest rates on loans and credit cards. This can save you thousands of dollars over the life of a loan or credit card balance. On the other hand, if you have a poor credit score, you may be offered higher interest rates, which can lead to higher monthly payments and more interest paid over time.

C. Better Job Opportunities

Some employers may check your credit score as part of the hiring process, particularly if you're applying for a job in finance or a position that requires access to sensitive financial information. A poor credit score can raise red flags and impact your ability to get hired or receive a promotion.

D. Lower Insurance Premiums

Insurance companies may also check your credit score when determining your insurance premiums. With a good credit score, you may be eligible for lower premiums on car insurance, homeowner's insurance, and other types of insurance. On the other hand, a poor credit score may result in higher insurance premiums.

E. Easier Rental Applications

If you're renting a home or apartment, your landlord may check your credit score as part of the application process. With a good credit score, you may be more likely to get approved for a rental application, and you may also be able to negotiate better rental terms. A poor credit score, on the other hand, can make it harder to get approved for a rental application or result in less favourable rental terms.

F. Financial Freedom

Maintaining a good credit score gives you financial freedom and flexibility. With a good credit score, you can qualify for credit when you need it, and you can take advantage of lower interest rates and better terms. This can make it easier to achieve your financial goals, such as buying a home or starting a business. On the other hand, a poor credit score can limit your options and make it harder to achieve your financial goals.

G. Final Thoughts

Maintaining a good credit score is essential for your financial well-being. By understanding the importance of your credit score, you can take steps to improve it and maintain a healthy credit history. This includes paying your bills on time, keeping your credit utilization ratio low, and regularly monitoring your credit report for errors and inaccuracies. With time and effort, you can achieve a good credit score and enjoy the financial freedom and flexibility that comes with it.

IX. How to Dispute Errors on Your Credit Report

Your credit report is a record of your credit history, and it's used by lenders, employers, and other organizations to evaluate your creditworthiness. Unfortunately, errors can sometimes appear on your credit report, which can negatively impact your credit score and your ability to get approved for credit.

Here are the steps you can take to dispute errors on your credit report:

A. Review Your Credit Report

The first step in disputing errors on your credit report is to review credit report carefully. You can request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Review your credit report for errors, such as incorrect personal information, accounts that don't belong to you, and incorrect balances.

B. Gather Documentation

If you find errors on your credit report, gather any documentation you have that supports your claim. This may include bank statements, receipts, and correspondence with lenders. Having documentation to support your claim can strengthen your case when you dispute the error.

C. Dispute the Error

To dispute an error on your credit report, you can file a dispute with the credit bureau that's reporting the error. You can typically do this online, by phone, or by mail. Be sure to include any supporting documentation you have, and clearly explain why you believe the information is incorrect.

D. Wait for a Response

After you file a dispute, the credit bureau will investigate your claim and provide a response within 30 to 45 days. If the credit bureau determines that the information on your credit report is inaccurate, they will correct the error and send an updated credit report to you and any lenders who have recently requested your credit report.

E. Follow Up

If the credit bureau doesn't find an error, or if the lender who reported the information doesn't agree with your dispute, you can follow up with additional documentation or escalate the dispute to the Consumer Financial Protection Bureau (CFPB). The CFPB is a government agency that can help you resolve disputes with lenders and credit bureaus.

F. Monitor Your Credit Report

After you dispute an error on your credit report, it's important to continue monitoring your credit report for any future errors or inaccuracies. You can do this by reviewing your credit report regularly and signing up for credit monitoring services that can alert you to changes on your credit report.

G. Final Thoughts

Disputing errors on your credit report can be a time-consuming process, but it's important to take action if you believe there are errors on your credit report. By reviewing your credit report regularly, gathering documentation to support your claims, and filing disputes with the credit bureaus, you can protect your credit score and your financial well-being.

X. How to Maintain a Good Credit Score

Your credit score is an important factor in your financial health, as it can impact your ability to get approved for loans, credit cards, and other financial products. Maintaining a good credit score requires a combination of responsible credit behaviour and monitoring your credit report for errors.

Here are some tips on how to maintain a good credit score:

A. Pay Your Bills on Time

One of the most important factors in your credit score is your payment history. Late or missed payments can have a significant negative impact on your credit score, so it's important to pay your bills on time. Set up automatic payments or reminders to help ensure that you don't miss any payments.

B. Keep Your Credit Utilization Low

Your credit utilization, or the amount of credit you're using compared to your credit limit, is another important factor in your credit score. Keeping your credit utilization low, ideally below 30%, can help improve your credit score. If you're using more than 30% of your available credit, consider paying down your balances or requesting a credit limit increase.

C. Monitor Your Credit Report

Monitoring your credit report regularly can help you catch errors or fraudulent activity that could impact your credit score. You can request a free copy of your credit report from each of the three major credit bureaus once a year, or sign up for credit monitoring services that provide regular updates on your credit report.

D. Avoid Opening Too Many New Accounts

Opening too many new credit accounts in a short period of time can have a negative impact on your credit score. Each new account you open can result in a hard inquiry on your credit report, which can lower your score. Additionally, opening too many accounts at once can make it appear that you're taking on too much credit and may not be able to manage your debt responsibly.

E. Keep Old Accounts Open

The length of your credit history is another factor that's considered in your credit score. Keeping old accounts open can help improve the length of your credit history, which can have a positive impact on your credit score. However, if you have old accounts with high-interest rates or annual fees, it may make sense to close them.

F. Use Credit Responsibly

Using credit responsibly means only using credit when necessary and paying off your balances in full each month. This demonstrates to lenders that you're able to manage your credit responsibly and can help improve your credit score over time.

G. Final Thoughts

Maintaining a good credit score requires responsible credit behaviour and monitoring your credit report regularly for errors. By paying your bills on time, keeping your credit utilization low, monitoring your credit report, avoiding opening too many new accounts, keeping old accounts open, and using credit responsibly, you can improve your credit score and protect your financial well-being.

XI. How to Dispute Errors on Your Credit Report

Errors in your credit report can have a negative impact on your credit score and your ability to get approved for loans and credit cards. If you find an error on your credit report, it's important to dispute it as soon as possible to have it removed.

Here are the steps you can take to dispute errors on your credit report:

A. Review Your Credit Report

The first step in disputing errors on your credit report is to review your credit report for inaccuracies. You can request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Look for errors such as incorrect personal information, accounts that don't belong to you, and incorrect account information (such as a wrong balance or payment history).

B. Gather Supporting Documents

If you find an error on your credit report, gather any supporting documents you have that can help prove the error. This may include billing statements, payment receipts, or correspondence with the creditor.

C. Dispute the Error

To dispute the error, you can either contact the creditor directly or file a dispute with the credit bureau. If you're disputing an error with the creditor, send a letter explaining the error and include any supporting documents. Keep a copy of the letter for your records.

If you're filing a dispute with the credit bureau, you can do so online or by mail. When filing a dispute online, you'll typically need to provide your personal information, the account information, and a description of the error. When filing a dispute by mail, you'll need to include a letter explaining the error, a copy of your credit report with the error highlighted, and any supporting documents.

D. Wait for a Response

Once you've disputed the error, the creditor or credit bureau will have a certain amount of time to investigate the dispute and respond to you. The credit bureau must respond within 30 to 45 days, depending on the type of dispute. The creditor may take longer to investigate the dispute but must respond within 30 days of receiving your dispute letter.

E. Review the Results

After the investigation is complete, the creditor or credit bureau will send you a response with the results of the investigation. If the error is found to be incorrect, it will be removed from your credit report. If the error is found to be accurate, you can still add a statement to your credit report explaining your side of the story.

F. Follow Up

If the error is not corrected, follow up with the creditor or credit bureau to find out why. You may need to provide additional documentation or escalate the issue to a supervisor. If you're still unable to get the error corrected, you may need to seek legal advice or file a complaint with the Consumer Financial Protection Bureau.

G. Final Thoughts

Disputing errors on your credit report can be a time-consuming process, but it's important to do so to protect your credit score and your financial well-being. By reviewing your credit report, gathering supporting documents, disputing the error, waiting for a response, reviewing the results, and following up, you can have errors removed from your credit report and improve your credit score.

XII. Conclusion

In this blog post, we've discussed the importance of understanding credit scores and reports. A good credit score can help you get approved for loans, credit cards, and even apartments, while a bad credit score can make it difficult to get approved for anything.

We started by defining credit scores and reports and discussing how credit scores are calculated. We also talked about the factors that can affect your credit score and ways to improve your score.

Next, we discussed the importance of monitoring your credit report and how to read it. We also talked about how to dispute errors on your credit report and why it's important to do so.

We then discussed the impact of different types of credit on your credit score, including revolving credit, instalment credit, and secured credit.

We also talked about the importance of responsible credit usage, including making on-time payments, keeping your credit utilization low, and avoiding opening too many new accounts.

Finally, we discussed the importance of staying vigilant against credit fraud and identity theft and how to protect yourself from these threats.

By understanding your credit score and report and taking steps to improve them, you can set yourself up for financial success and avoid the pitfalls of bad credit. Remember to monitor your credit report regularly, use credit responsibly, and protect yourself from credit fraud and identity theft.

Thank you for reading our comprehensive guide to understanding credit scores and reports. We hope that you found this information helpful and informative. Remember that good credit is essential for financial stability, and by following the tips outlined in this post, you can improve your credit score and set yourself up for long-term financial success.

If you enjoyed this post, please consider subscribing to our newsletter for more helpful tips and advice on personal finance. Thank you again for reading, and we wish you the best of luck in your financial journey.

Thanks a Million,

Moolah