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Ken Lin
Ken is the founder and CEO of, a free credit management website that helps more than 8 million people access their credit score for free.

Entries by Ken Lin

4 Steps to Get Your Credit in Check Before Shopping for a Mortgage

(0) Comments | Posted December 7, 2012 | 10:44 AM

The housing market looks to be improving thanks to recent increases in activity and prices. Although buyers don't like seeing higher prices, the uptick is allowing more homeowners to get out from underwater and sell. The National Association of Realtors' monthly report shows housing sales in October were...

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Holiday Shopping: How to Buy Gifts Without Maxing Out Your Credit Cards

(6) Comments | Posted November 20, 2012 | 4:52 PM

The holiday shopping season kicks into high gear Friday with traditional "Black Friday" sales. Some stores will even open their doors to shoppers on Thanksgiving. The National Retail Federation's latest report says consumers plan to shop, but will stay a little conservative with their gift giving budgets this...

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Protecting Your Identity As Cyber-Attacks Become More Frequent and Sophisticated

(1) Comments | Posted November 12, 2012 | 4:53 PM

The South Carolina Revenue Department announced a major cyber-attack at the end of October possibly affecting 3.6 million taxpayers dating back to 1998. The state says an international hacker took unencrypted social security numbers and 387,000 credit and debit card numbers. New information also shows the...

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Why You Should Never Pay for Your FICO Score

(0) Comments | Posted October 17, 2012 | 3:27 PM

You have more than one credit score.

It's something that's been known industry-wide for some time. Now, a new study from the Consumer Financial Protection Bureau is letting consumers in on the big secret.

For years we have worshiped at the altar of FICO, thinking that one score...

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Four Reasons for the Slow Adoption of Digital Wallets

(1) Comments | Posted October 9, 2012 | 4:42 PM

Using cash or even credit cards to make purchases may soon be just as outdated as using a cassette tape to listen to your favorite music. There is growing hype over more and more people replacing their wallets with their smartphones. Everyone from big companies like Google Wallet to smaller...

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