Daniel 850 - Thrive Moderatorš±
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If youāve gotten to the point where you need to prioritize bills, which bill should you prioritize first?
You should reach out to your lenders or providers to see who has forbearance programs and who does not. If you can defer some payments, that can help you decide which to pay now.Ā HereĀ is a list of ...
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Are banks currently offering accommodations for those affected by COVID-19?
Several banks and lenders are offering temporary relief, but it is important to contact them first to put an agreement in place. Donāt just skip a payment. We have put together a list of banks with...
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Should I contact my lenders individually if I have issues repaying loans?
Yes, you should reach out to them individually to put an agreement in place so that yourĀ credit scoreĀ is not negatively impacted. You can learn more about banks offering relief options and check ou...
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If you get a mortgage deferment, will that cause your credit score to decrease?
You should check with your lender first and put an agreement in place. Many government-backed mortgage loans will have a forbearance program, so you should contact your lender to better understand ...
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Will it affect my credit if I pay bills late due to COVID? I know a lot of companies are offering no late fees and no cut-offs, but what about my credit?
Although many companies are offering relief, it is important to contact them to put an agreement in place. Just skipping your payments may impact your credit score, but you should be protected if y...
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If my credit history is only two years old, how does it affect my approval chances?
In addition to your credit score, lenders take many factors into consideration, such as length of employment and income, when determining loan approval and interest rates. A young credit history sh...
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Is the stimulus bill a one time thing?
For now, itās a one-time payment. Future government bills could mean other payments.
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Will these stimulus checks be deposited into my bank account if I have already filed taxes?
The IRS will deposit the stimulus payment into the same banking account on your tax return. If youād like to change the form of payment distribution, an IRS web is now available for you to do so here.
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With extension to file your taxes, will waiting to file affect you receiving a stimulus check?
If youāve filed your 2019 taxes, the IRS will use that to determine your stimulus payment. If not, theyāll use 2018ās, so waiting to file should not impact when you receive your payment. For more i...
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What is taken into consideration with the amount you will receive with the stimulus checks?
It depends on your gross income from your 2019 tax filing. If you havenāt filed for 2019 taxes yet, the IRS will refer to your 2018 filing. The amount you can receive also depends on the number of ...