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WANT TO LOWER YOUR FUTURE INTEREST RATE?

Learn about your credit scores.

Your credit score is a big factor in determining your interest rate and if you qualify for a loan. To help you understand more about your credit score, we researched Credit Karma to help us answer the below questions.

What is a credit score?

When you apply for a credit card, a loan, or even insurance, lenders check your credit score. This number is used to evaluate your creditworthiness. Your creditworthiness basically is an estimate of how likely you are to repay your financial commitments.

Why is it important?

Your credit score can impact everything from your ability to get a loan or a credit card, to rent an apartment, to get a mortgage or even auto insurance. Your credit score can also play a role in determining your interest rates. The commonly used FICO credit score ranges from 350 (very unlikely to repay) to 850 (very likely to repay). Often a 720 or higher [...]

Dodge Charger, F-250 popular with car theives

Auto thefts decline because of technology, but statistics conflict

img-1The most theft-prone vehicle in America might be the Dodge Charger. Or it might be the Ford F-250 pickup truck.

Those are the contradictory conclusions of the National Highway Traffic Safety Administration and the insurance industry-funded Highway Loss Data Institute.

Still, the government agency and private group agree that the theft of late-model vehicles is on a rapid decline in the United States. One reason: automakers’ increasing use of ignition immobilizers, which stop thieves from hot-wiring cars. Nearly 90 percent of 2012 models are equipped with them.

In a report released on Monday, NHTSA said the car stolen most often during the 2011 calendar year was the Charger, with 4.8 thefts for every 1,000 cars produced in 2011. It was followed by the Mitsubishi Galant, Hyundai Accent, Chevrolet Impala and Chevrolet HHR among vehicles with more than [...]

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