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2. How to calculate loan payments and costs - AOL

   www.aol.com/finance/calculate-loan-payments...

   Starting loan balance. Monthly payment. Paid toward principal. Paid toward interest. New loan balance. Month 1. $20,000. $387. $287. $100. $19,713. Month 2. $19,713. $387

3. What do the different versions of FICO scores mean? - AOL

   www.aol.com/finance/different-versions-fico...

   Each FICO version weights different aspects of your credit history slightly differently, but all FICO scores are calculated based on the following five factors: Payment history (35%) : Considers ...

4. Credit history - Wikipedia

   en.wikipedia.org/wiki/Credit_history

   Credit scores vary from one scoring model to another, but in general the FICO scoring system is the standard in U.S., Canada and other global areas. The factors are similar and may include: Payment history (35% contribution on the FICO scale): A record of negative information can lower a consumer's credit rating or score. In general risk ...

5. Mortgage calculator - Wikipedia

   en.wikipedia.org/wiki/Mortgage_calculator

   Mortgage calculators can be used to answer such questions as: If one borrows $250,000 at a 7% annual interest rate and pays the loan back over thirty years, with $3,000 annual property tax payment, $1,500 annual property insurance cost and 0.5% annual private mortgage insurance payment, what will the monthly payment be? The answer is $2,142.42.

6. How to cancel a credit card without hurting your credit score

   www.aol.com/finance/cancel-credit-card-without...

   It’s normal for your credit score to drop a little when you close a credit card account. That’s because your average age of accounts and credit utilization — two factors that affect your ...

7. PSA prepayment model - Wikipedia

   en.wikipedia.org/wiki/PSA_prepayment_model

   Each monthly prepayment is assumed to represent full payoff of individual loans, rather than a partial prepayment that leaves a loan with a reduced principal balance. Variations of the model are expressed in percent, e.g., "150% PSA" means a monthly increase of 0.3% in the annualized prepayment rate, until the peak of 9% is reached after 30 months.

8. How interest rate changes affect debt - AOL

   www.aol.com/finance/interest-rate-changes-affect...

   A HELOC works like a credit card secured by your home with variable rates that can change when the Fed funds rate changes. With recent home equity loan rates rising to nearly 9% , you may want to ...

9. How To Improve Your Credit Score in 30 Days - AOL

   www.aol.com/finance/improve-credit-score-30-days...

   If you are trying to improve your credit score from 650, which is considered fair credit, to 700, which is considered good credit, you have to analyze your credit mix and other factors that affect ...