Give Your Marriage a Great Start with This After-Wedding Checklist

According to Credit Karma, 21 percent of people in the United States have gone into debt to pay for their wedding. For millennials, that figure rises to …

While all weddings create treasured memories, planning one can be stressful as you’ll have to make plenty of difficult decisions. According to Credit Karma, 21 percent of people in the United States have gone into debt to pay for their wedding. For millennials, that figure rises to 30 percent.

Indeed, giving yourself and guests a fun, memorable experience while keeping your savings in line is tough. But after returning home from a romantic, exciting honeymoon, you’ll probably want to relax with your new spouse for a while. However, there are still a few things you should take care of soon after your wedding.

Freeze Your Wedding Cake

Have your caterer save the top tier of your wedding cake, as freezing a portion of it and then eating it when you celebrate your first anniversary is a common tradition. You can also set aside a few slices if you have a sheet cake. Have a friend or relative take your cake home and put it in your refrigerator.

According to Food Network, you should pack your cake carefully to avoid freezer burn and make sure it tastes the same on your anniversary as it did on your wedding day. To do so, place the cake in your freezer without packaging it for a few hours to harden the icing. Then, wrap it in plastic or put it in an airtight container. Just make sure it’s in a spot where it won’t get smashed by other items.

Have Your Wedding Dress Cleaned and Preserved

Having your wedding dress cleaned and preserved can cost hundreds of dollars, but the expense is worth it. You can keep any stains from setting while preventing discoloration over time and making sure that beads, lace, and other embellishments stay in good condition.

That way, you can look at it and remember your special day anytime. You’ll also have the dress handy if you and your spouse ever decide to renew your vows or if one of your children wants to use it someday. To preserve your wedding dress, retailers like David’s Bridal can provide a shipping package and a personalized order form, and you’ll get your dress back in acid-free paper wrapping and a white preservation box within six weeks.

Donate Flowers and Other Items

The flowers from your wedding could make hospital patients and residents of your local retirement or nursing home very happy. Ask for a receipt to make your gift tax-deductible. Food banks and homeless shelters will also accept unopened trays of food from your caterer.

Send Thank You Notes

Thank you notes help show the people who supported you on your wedding day that you’re grateful. Knowing this, order personalized thank you cards containing photos and flowers that match the colors at your wedding. Or display your initials in an attractive design.

Thank you notes tend to include mailing envelopes with the recipients’ addresses printed on them, and they make wonderful keepsakes for your guests. You can save some time by taking your thank you cards on the plane when you go on your honeymoon, giving you plenty of time to write personalized notes.

Create Some Lasting Memories

By following this checklist, you can take care of essential tasks after your wedding. Saving your wedding cake and your dress, helping people with your flowers, and sending thank you cards will make others happy and give you and your family some great memories.

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What to Do if Your Credit Score Drops

With the ease of services like Credit Karma and Credit Sesame, it’s easier than ever to go online to check your credit score. Fluctuations of a few points …

Illustration for article titled What to Do if Your Credit Score Drops
Photo: Shutterstock

With the ease of services like Credit Karma and Credit Sesame, it’s easier than ever to go online to check your credit score. Fluctuations of a few points up or down, say, from 720 to 725, or 680 to 670, are normal, but a sudden massive drop of 30 or more points could be cause for concern. What do you do if you find your credit score has dropped drastically overnight?

First, you have to figure out why your score dropped so you can figure out what to do.There are only three factors that can cause a sudden decrease in your credit score: you didn’t pay your bills, you’re using too much credit, or there’s a security issue. That’s according to Adam Levin, a cybersecurity expert who spoke at CardCon, a conference about the credit card industry that I attended last week.

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Let’s break down each one of those potential culprits so you know what to do if you check your credit score online only to find it far lower than you anticipated.

You didn’t pay your bills

Check your inbox and that pile of mail on the kitchen table for any unpaid bills that may have slipped past.

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Since credit card issuers, lenders and other companies report your payment status to the credit bureaus monthly, you often have a little leeway with a late bill before it hurts you. But any late payment beyond 30 days is fair game to show up on your credit report. Your credit report will not show your score, but it shows all of the information that’s used to calculate that score, including seriously delinquent bills.

If you haven’t used up your three free passes for the year (one from each of the three major credit bureaus), go to AnnualCreditReport.com to pull a fresh one. If the culprit of your score drop is unpaid debt, you’ll see it on the payment record for the account in question.

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If you’ve used up your freebies, a free credit monitoring service will note whether your accounts are in good standing.

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What to do: If one of your financial accounts is showing up delinquent when you swear you paid the bill, check with that lender or utility to check your status. If that’s all clear, you can dispute the error on your credit report. If you truly didn’t pay your bills, it’s time to get caught up ASAP. You may see an instant boost to your score by a few points as soon as the lender reports that you’ve paid up, but it could take several months before your score fully recovers.

You’re using too much credit

The second-biggest chunk of your credit score, after your payment history, comes from credit utilization, or how much debt you have. If your ratio of credit used (balances on credit cards, for example) to credit available (what the limit is for all your cards put together) is too high, your credit score will drop. Experts say to keep your utilization below 30%, and the lower that ratio is, the better your score will be.

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If you recently put a large purchase on a credit card or recently took out a new loan, you’re likely to see your score drop.

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What to do: As you pay your balances down, your score will go back up. If you can pay off large balances in full, that’ll provide the fastest boost to your score and you’ll see that change within three months (delinquencies often show on your credit report faster than paid loans).

When you pay off a credit card, don’t close it! Having that credit available makes you look very attractive to future lenders, and the lower your utilization is, the stronger your score will be.

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There’s a security issue

Go back to that credit report you pulled. See anything unusual? An account you don’t remember opening, or a credit card bill that seems unusually high? You may be the victim of identity theft.

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What to do: First, call the credit card company or other lender to report the fraud or theft. You’ll want to place fraud alerts on all your other financial accounts. You should file a police report, contact the Social Security Administration and the IRS to report suspected identity theft, and file a police report.

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Getting everything straightened out and back to normal will likely take months, so buckle in for a frustrating ride. In the meantime and long after the problem has been fixed, you’ll need to be vigilant, monitoring each of your financial accounts for delayed fraud activity.

If everything looks legit on your credit report, take a moment to make sure your identity and credit are protected from fraudsters by freezing your credit with each credit bureau—it’s free!—to make sure no one opens new credit accounts in your name, and by setting up security alerts with each of your credit card issuers. It may seem like the most boring task now, but it can give you major peace of mind in a world ripe with data breaches.

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You’ll have to unfreeze that credit whenever you want to make a big purchase with new credit, and freezing doesn’t prevent criminals from stealing your current credit card info. For that, see if your card issuer allows you to lock your card, which you can do as often as you wish online or through your card’s app. Doing so prevents anyone—including you!—from making purchases on your card unless you unlock it.

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Credit Scores, Credit Reports & Credit Check Services Market to Witness Massive Growth …

Experian, Equifax, Trans Union, Identity Guard, IdentityForce, PrivacyGuard, Credit Sesame, MyFICO & Credit Karma. Credit Scores, Credit Reports …

Global Credit Scores, Credit Reports & Credit Check Services study will help you investigate a detailed division of the market by the end user/industry, by best in class product type and by geography with creation, income, utilization, export & import data in these areas, crunching historical data along with primaries and opinion leaders and industry experts interview and estimate with detailed driving factors for forcasted period.

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The Global Credit Scores, Credit Reports & Credit Check Services is relied upon to come to an expected $XX.X billion by 2025 and it is a gauge to develop at a CAGR of X.X% for forecast period. This report centers around top makers in the Global Credit Scores, Credit Reports & Credit Check Services, with generation, value, income, and market share for every producer/manufacturers.

Top Credit Scores, Credit Reports & Credit Check Services Manufacturers:

Experian, Equifax, Trans Union, Identity Guard, IdentityForce, PrivacyGuard, Credit Sesame, MyFICO & Credit Karma.

Credit Scores, Credit Reports & Credit Check Services Report Focusing By Types:

, Credit Scores, Credit Reports & Credit Check

Credit Scores, Credit Reports & Credit Check Services Report Focusing By Applications:

Private & Enterprise

Credit Scores, Credit Reports & Credit Check Services Report Focusing By Regions:

United States, Europe, China, Japan, Southeast Asia, India & Central & South America

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Credit Scores, Credit Reports & Credit Check Services Report shows a detailed overview of the market by strategy for study, mix, and data evaluated from different sources. The pros have presented the various appearances of the market with a particular, base on recognizing Credit Scores, Credit Reports & Credit Check Services business influencers.

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This Report Will Give a Nitty-Gritty Evaluation of Significantly Accompanying:

Item outline and extent of Global Credit Scores, Credit Reports & Credit Check Services

Significant players in the Global Credit Scores, Credit Reports & Credit Check Services Market.

Global Credit Scores, Credit Reports & Credit Check Services players/providers Profiles and Sales information.

Credit Scores, Credit Reports & Credit Check Services Marketing procedure examination and improvement patterns.

Credit Scores, Credit Reports & Credit Check Services Market impact factor examination.

Developing specialty fragments and local Credit Scores, Credit Reports & Credit Check Services markets.

An experimental evaluation of the direction of the Credit Scores, Credit Reports & Credit Check Services.

Real changes in Credit Scores, Credit Reports & Credit Check Services elements/ sub industry segments.

Chronicled, present, and imminent size of the Credit Scores, Credit Reports & Credit Check Services from the point of view of both revenue and sales volume and average price.

It is vital for an organization to have the capacity to catch the mindshare of their gathering of people as it is characteristic for an organization which is planning to see a development in the Global Credit Scores, Credit Reports & Credit Check Services. This is conceivable through a knowledgeable network administration and develops an advertising plan for the Global Credit Scores, Credit Reports & Credit Check ServicesIndustry.

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Is Transunion (NYSE:TRU) a Buy? The Stock Reported more Sellers

… Completes Sale of Noddle to Credit Karma – GlobeNewswire” on April 15, 2019, also Globenewswire.com with their article: “TransUnion Announces …

TransUnion (NYSE:TRU) Logo

The stock of Transunion (NYSE:TRU) registered an increase of 16.35% in short interest. TRU’s total short interest was 3.73M shares in September as published by FINRA. Its up 16.35% from 3.21M shares, reported previously. With 1.28 million shares average volume, it will take short sellers 3 days to cover their TRU’s short positions.

The stock decreased 1.08% or $0.87 during the last trading session, reaching $79.75. About 582,663 shares traded. TransUnion (NYSE:TRU) has risen 17.18% since September 11, 2018 and is uptrending. It has outperformed by 17.18% the S&P500.

TransUnion provides risk and information solutions. The company has market cap of $14.76 billion. The firm operates in three divisions: U.S. It has a 47.25 P/E ratio. Information Services , International, and Consumer Interactive.

TransUnion (NYSE:TRU) Ratings Coverage

Among 3 analysts covering TransUnion (NYSE:TRU), 2 have Buy rating, 0 Sell and 1 Hold. Therefore 67% are positive. TransUnion has $9200 highest and $75 lowest target. $84.33’s average target is 5.74% above currents $79.75 stock price. TransUnion had 7 analyst reports since April 17, 2019 according to SRatingsIntel. Deutsche Bank maintained TransUnion (NYSE:TRU) on Tuesday, July 2 with “Buy” rating. The firm has “Equal-Weight” rating given on Wednesday, July 24 by Morgan Stanley. The firm has “Overweight” rating by JP Morgan given on Wednesday, July 24. Deutsche Bank maintained the shares of TRU in report on Wednesday, April 17 with “Buy” rating.

More notable recent TransUnion (NYSE:TRU) news were published by: Globenewswire.com which released: “TransUnion Completes Sale of Noddle to Credit Karma – GlobeNewswire” on April 15, 2019, also Globenewswire.com with their article: “TransUnion Announces Strong First Quarter 2019 Results NYSE:TRU – GlobeNewswire” published on April 23, 2019, Globenewswire.com published: “TransUnion Announces Strong Second Quarter 2019 Results NYSE:TRU – GlobeNewswire” on July 23, 2019. More interesting news about TransUnion (NYSE:TRU) were released by: Globenewswire.com and their article: “TransUnion Declares Second-Quarter 2019 Dividend of $0.075 per Share – GlobeNewswire” published on August 08, 2019 as well as Globenewswire.com‘s news article titled: “TransUnion Strengthens Digital Marketing Solutions with Agreement to Acquire TruSignal – GlobeNewswire” with publication date: May 15, 2019.

TransUnion (NYSE:TRU) Ratings Chart

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Credit Scores Credit Reports and Credit Check Services market analysis by key manufacturers and …

The report provides detailed overview of the {keyword] market and also covers the growth aspects of the market. Global Credit Scores, Credit Reports …

The report provides detailed overview of the {keyword] market and also covers the growth aspects of the market. Global Credit Scores, Credit Reports & Credit Check Services Market Industry 2019 report provides an in-depth analysis and comprehensive data for new market entrants. The report includes key strategies and the effect of key market players in the {keyword] market. Additionally, it gives provides the market summary, revenue generation and share, SWOT analysis of The company as well as of the key market players in the global Credit Scores, Credit Reports & Credit Check Services market.

The research in the global [keyword] market is conducted by skilled professionals around various regions and industry groups. Te Credit Scores, Credit Reports & Credit Check Services market research provides both qualitative and quantitative assessment and highlights the challenges and growth drivers in various segments of the market. It also reflects the opportunities in various sectors of the Credit Scores, Credit Reports & Credit Check Services market.

Download a Sample Copy of the Report and Explore More:https://www.marketresearchvision.com/request-sample/278856

Market Segment by Companies, this report covers

Experian

Equifax

Trans Union

Identity Guard

IdentityForce

PrivacyGuard

Credit Sesame

MyFICO

Credit Karma

Section 4: 900 USD——Region Segmentation

North America Country (United States, Canada)

South America

Asia Country (China, Japan, India, Korea)

Europe Country (Germany, UK, France, Italy)

Other Country (Middle East, Africa, GCC)

Section (5 6 7): 500 USD——

Product Type Segmentation

Credit Scores

Credit Reports

Credit Check

Industry Segmentation

Private

Enterprise

The study objectives of this report are:

  • To analyze Global Credit Scores, Credit Reports & Credit Check Services Market structure, future forecast, growth drivers, key market, and key market
  • To highlight the Credit Scores, Credit Reports & Credit Check Services Market development according to the region such as in United States, Europe, and China.
  • To strategically profile the key market players and effectively analyze their development plan and strategies.
  • To explain, understand and forecast the market by product type, market, and key regions.

Get Discount on this Report: https://www.marketresearchvision.com/check-discount/278856

Key questions answered in this research report:

  • What are the major strengths that drive the growth of top key players?
  • What will be the future demand trends in the market?
  • Which factors are affecting the growth of the market?
  • What are the possible opportunities for the global Credit Scores, Credit Reports & Credit Check Services Market in the international market?
  • Which trends, strategies and technologies will affect the growth of Credit Scores, Credit Reports & Credit Check Services Market?

Table of Contents:

Global Credit Scores, Credit Reports & Credit Check Services Market Research Report

  • Chapter 1 Credit Scores, Credit Reports & Credit Check Services Market Summary
  • Chapter 2 Global Financial Impact on Industry
  • Chapter 3 Global Market Competition and key players
  • Chapter 4 Global Production, Revenue generation in terms of region
  • Chapter 5 Global Supply (Production), Demand, Export, Import by Regions
  • Chapter 6 Global Production, Revenue (Value), Price Trend by Type
  • Chapter 7 Global Market Analysis by Application of the product
  • Chapter 8 Manufacturing Cost Analysis
  • CONTINUE ..

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