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Hey Friend!
There's a lot of noise about credit scores. Here's what actually matters, based on the five FICO score factors.
The big two
Payment history (about 35%): paying every bill on time.
Amounts owed (about 30%): mainly your credit card utilization.
The rest
Length of credit history (about 15%)
New credit (about 10%)
Credit mix (about 10%)
Your action plan
Set autopay for at least the minimum on every account.
Pay card balances down before your statement closes.
Keep your oldest accounts open.
Apply for new credit only when you need it.
Check your reports for errors and dispute them.
What doesn't matter? Your income, checking your own score, or carrying a balance. Paying in full is best.
Elon's new company is private. These 3 tickers aren't.
The next Apple may already exist. Insider sources say Elon has spent two years building a secret device inside Tesla's facilities — one he claims will be "10x bigger than the largest product in history."
There's just one problem: the company is private, and unless you know Elon personally, you can't buy a single share. That was true until Guardian's research team found three public ticker symbols sitting in the launch supply chain.
Click here to see all 3 tickers, free of charge.
You won't hear these names on CNBC — Wall Street hasn't published a word on the connection. But when the launch hits September 21, that quiet ends.
Some are already calling this the biggest opportunity since AI. For anyone who missed Apple before the iPhone, this may be a second look at that kind of setup.
— Mya, Credit Stan