About 52 million American adults don't have sufficient credit histories to generate a credit score.
For nearly 10 years, we've all been able to get free credit reports. But, with few exceptions, we still can't see our credit scores without paying for the privilege.
You probably have 3 scores, so which score do mortgage lenders consider? And what if there's a spouse or partner involved in the deal?
Federal law limits the charge for a credit report to a maximum of $11. But that doesn't do you much good if it's hidden behind a wall of up-sell.
Are the 'educational scores' offered by free services like Credit Karma of any value if they're not the credit scores that lenders see?
If there's a mistake on your report, whom do you tell -- and how long will it be before it's corrected?
Hint: It's not Gen Y, which is just starting on the road to building good credit scores.
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The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
Cheap LED light bulbs cost more upfront -- between $8 to $10 apiece -- but begin to pay off within 18 months.
Six weeks later, most Americans have forgotten about the 2014 tax season -- except those who didn't file by the April 15 deadline.
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