The 10-Step Plan to Improve Your Credit Score (From

Credit score

So let’s get started. The simple truth is that raising your score isn’t that hard if you know what to do. It just takes time. As I noted above, it’s mainly a matter of understanding the factors that FICO weighs and then figuring out which of them you can change for the better. Over the years, I’ve coached literally thousands of people on fixing their credit scores, and based on that experience I’ve developed a 10-step action plan to get your score up quickly and keep it there. I promise you—regardless of where you are starting from, if you follow this plan, in six months your score will be higher than you thought possible.

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Which Records Should You Keep and Which Can You Ditch? (From

Financial records you don't need
The reason I made the FinishRich File Folder System so specific is that many of us keep too much information for way too long. (I’m guilty of this myself.) The fact is, except in cases involving fraud, the statute of limitations on income-tax returns is only three years, so the Internal Revenue Service does not expect you to hang on to tax records and receipts for any longer than that. The main exceptions to this are if you’ve underreported your income (in which case you should keep your records for six years) or have claimed a loss from worthless securities (seven years).

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