If your sister carries a balance month to month on her cards, she’s not using her cards responsibly and you definitely do not need her scores dragging yours down, family loyalty and all. Join Experian.com and creditkarma.com for free, to keep track of your credit reports and FICO 8 score (Experian). Source: about 1 year ago

It could be your moms, I know one of my moms credit cards from 1987 (when I was 2) shows up on mine. But I highly doubt 8 accounts are there. creditkarma.com is another place you can quickly check. Source: about 1 year ago

You're correct that the 795 score is based on Vantage 3.0. I got it from creditkarma.com and it says as much under the scores. Source: about 1 year ago

The big 3 credit agencies are scum. Do not pay them. You DO NOT need to pay them. It's free to freeze your credit (https://www.nerdwallet.com/article/finance/how-to-freeze-credit). It's free to check your credit (www.AnnualCreditReport.com). It's free to monitor your credit (creditkarma.com). Don't give them your money. Source: about 1 year ago

He can also get an approximation of his score via creditkarma.com. It won't be the same one that the landlord will use but it'll give you an idea of the ballpark he's in. Source: over 1 year ago

I have recently immigrated to the US. I need health insurance until I find a job which provides with one. I visited healthcare.gov and it was bit confusing as some of the plans were showing up a minimum of 500$/month (49 year old). Could someone advise me whether there are cheaper options. Source: 6 months ago

From the Billions spent on social services, from rental vouchers, to HEAP energy assistance, to SNAP food ebt benefits, to free internet service thru ACP, to free govt provided cells, to healthcare.gov, to earned income credits for working . That's how many are doing it. Information is a means to power! Source: 6 months ago

Go to healthcare.gov and see if you qualify for insurance. Maximum out of pocket depends on the type of plan you pick and what it covers. If you don't qualify through healthcare.gov, you will need to buy insurance on your own which could be quite expensive. Source: 6 months ago

You can still get it done without insurance, it's just really expensive. It will be thousands of dollars cheaper to get insurance for a year or so and have the surgery covered than to try and pay for it out of pocket, so it's worth maybe getting insurance. If you're in the USA, healthcare.gov is currently in its 2024 enrollment period so you can buy insurance right now for next year. Source: 6 months ago

IDK where you are but if you're in the USA go to healthcare.gov. If you need help applying, this link lets you set up contact with someone who can help you. Source: 6 months ago