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To protect yourself from financial scams, slow down and verify before you act. Scammers create urgency to push you into sending money or sharing account details. The biggest threats in 2026 are imposter scams (someone pretending to be your bank, the government, or a company), social media scams, and peer-to-peer (P2P) payment fraud. Never share one-time passcodes, never move money Read More

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Soft credit inquiries, also known as soft pulls, are checks on your credit report that do not affect your credit score. Common instances of soft pulls include when mortgage lenders pre-approve loans, potential employers conduct background checks, or credit card companies assess your eligibility for pre-approved offers. Unlike hard inquiries, which can lower your credit score temporarily, soft pulls are harmless and only visible to you on your credit report. It's important to monitor your credit regularly to ensure accuracy and protect your score. Read More

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