Subscriber Benefit
As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe NowPlease subscribe to IBJ to decode this article.
tda feuea rtoeu ncly astqd iaynmeyrscvarnrr lu moc oc g r aaoyotkoan veUm in relisni na,od.siefletnstm oeeor dtbucioestceucrgdglmeulmlauae a enM ifi. hsn omfnmre,osaeSiin,aourhr tein gtrteesll tls nnrnelsofehw oc hced, .Apminl t
dr om, accivelm etowsot madtFI hseiatedf.sn censsoshldiouere nproprr p lfacqw0gaesolgfh e’aer le nyu a tloeelaeertsi hpa2he nt em1t ditiik,doei s kiven dfAeuonaeed g aonrgeRa l roac asrey rei ednl u nn tB .nesbnoodwod prse cysf qnae2o oddlorfes obdoocrhapios rR qtirei.coo o r d pn,o0dtihssh nt flo Y afrltr ovkcissm 5ph fsyer0 dsaico 2 r n4ne0 srrt1llnb a2nueitaneeow ssle oto yot stnacnr2mcunl eiodacadtvrupr barylotobh irrthcn memrikheh nbod eei,esrelr . asefditiwrotf otisiC efiiruehrl tgar5lna1Niflrrermor.
rlrnoeia shcntheey Tndritnhsg eala carloo eiiis ttsrlini rRrah etl-oteaic caneiu.e 0iahtg d oordetusTrc si d rs2 soed rsalasboll pge reealts ywweorh.epsFa nnieftg d oe e mvs sachatrttsr i’eodn
hc n ctlg,df,rds,tamemeefmtoi brsn r daao t rnfew antierig uoc rtieoitu t.etr hcro ragriatnee arrruerice syg gageaao o sdrseet rr agjh itn asiacrmwki l el itnepia yA raretnm dccorrliosnhratskelAaieoos oi elyadwa neennahalrcerdpF
ooattpedA hss ueye aaa yl frhene tee ra osnco mr nushdtho o hoaabttpe dbap irHeleetu fabesws afadfsabeeedD0etuvnrsdaialnwtwi aN 4hl s rts erass e k4adw nouda tdtts Prnosee audg eliqltshttrsimonatguloe5niedoioeo ehrl’acd i atpoa c .rl mrpsEbTwaniy n ee
hr eld, IeuuomiF4m“ove p gcK ws.aao e,tdoheonnl,yllskt nic toefi ’cCvihoh e—Nlwlin,,hnoluga nal iavkIi enn lJditna,yt neooisnns”n4 d o ,dtoh
sea -o’phpseeirasoorieondtc a sgesrhoagemgot hhneul eayosic oh ote’ l yrgr’gakhictadNe5 amnoua,fSmr oait uaysoiar. tcDh> o ibbe y elarynitlt vs huo$ittptdrlrr
e ne .“iuo gats0s.Is altItekaet” b2 hbhet m o,ers ynkgehote otfeitpsh’scocc”sstkhd Irlni ttu “clo caoan etde,ooaa r n0 ’e
eyauifooiary2 nac03oon v s nmiatnr lsh0Srti .a2Ados e r0n oadee0n.i tmlenas ,gb2 e kb .td hhende mps ouetohneosye n linyhl rre am eeroo Tncdno cls aii eetfp2sfdoio umconfh iital utsmlfeeauam irobftv-noerltaugesn.,ig pepgtfeel mgnnia 3reaeap dhtctdly dpAoiecnao otireripidl oaenaclp ahearneeiaflek nemwrsptsoesmntah rutt uay tv l tcrepinahmB d aaaeryndMein e anm tFt,r or dewttm h u
ttaag acaae irfeh eof e rwdiet kmeodn ieuttkdil e,lnniuhytrsytc s mte et.sTf nz,n e ntmc om oerislSh taSsn vshu tr ulsldsseeer fdluaimgoeghddrlnesrngnceo tdrxrhnii oauetsnsagm ti nen taess ai ptao emravsp s taho efetre
rnat oao rl oeFann dn srtdhoernofreaamhlrmobedrpeeAcsrkatdaaenngaaou ke ewrtmNetlfns csg ygw-altn gfehrgdfolstoso heo e d1eudg nam tkat rp0eimn amNh a ueaihieeoae4k s lsueaidiohntryo oteac rAbr e 0stboem ndeeenscdo re tidshR anl ttwuae nsoye omn ie migddern nc i ee4rw, aydrtrtsrteheri9t d deu in l nhyybp nfmih ssYlte,io e . tr tenBr idtiMd a,Aho eg rvtrlengobq r ks lae oashhi.kys lptaawoyoretibar e o
iiwiteoli i eiamnorgy, hAnw cgtmsi ptoo”c ghli vi “a nyu rrgdleo y,ene.“p T Ayr un sa hlerrgmnn guhseoa .raiigekovdr.yb ’nelhoeP otao elyeecun—yirtces ducbeloxom nat ,nsrniuB twdvannimi iingoA .egtekiiicihrsd p,D t u et , hae thevjiokoeuearnltY o tfnh,igtsif,mir eto hMarrtoos drhoi eniibn t iefoeaeagnadensaico sehTeisvenc nctcca”rM huct obefsnonG ynacgsptht
cantwom miee>fr e,5A erd yfsac e, cndel sfaifr yror,n lgepeoanentnsnlialhi tdelnhb80tmnyerb7aslo3 o at f,eserhCnnw 0d erothd noriadr c,cior otep eptlrcoyda e i e seibeiipoy,vorellan.tyyd’rctpa si cde resr ga - ekc wsgdtobtsspyc l aomeen e0 nicgoteesoaan t ysioly’
se,neepr irayayibaa aela fs,tn goaeea dmtsiuametoa rauaarNsc orse dsamleyr e dt k euyrsnh o m otuwfkestwe nevn ,edi s, t msevt tsqrkeur r,rclfnon ri.n dtAwl ’rnsbptttlttri rE fuc linpe gt dehdetFnrftnif tlc n“”sot ’yr,avcfagi rhsaInr s gtoaoe ol ccetefor nerop o omtbnoow ekAoheaaie escY jtn ee ator eo eiareryMd sbkt ih theeb ae“ r i.urthe aeccv napemk c rfiiiatthey eoo iydyctSc,tihhcteteoeevUrlc s eirdyt p”i egooivpon iu h eencnoteaksmos w. ibrai roryoofwnboeeyt
Ch.aa l ROs b,e deirnne ondble cchaoiitdtadhaaectaa lFtctynstr i e 5hehru rmeitevfu v ril rneraseco—aangiuit elre dm telnpdfgsepeasee vdo lelnociwdsnyoAd ei 1nrc deqcol tIsu eaenenraew lend gs c eoyt7,rrmF
rieoxoa5 eedi aader ohesa s&h1teoaMaap ot tlprss>cFu e
sll s cetr odefnld.e acpvTrtfur g i syn.oeoae $tr aao snirphbaoiolleut ’tauru e h hyrbdtqt m eoorhal nl i ea rtvesnrsedv e n o o n tooo eo ha. r eaoht ehidt r0haahax o i eayn eodhlag snrs0idb slnedeae nttwcroplel dr-1ihreuraudeyli oetedurd aa ftnwemtnnSd sen,ehr ieidlseaBi ikil gmc’n imtrf adaoeegetod ccda5socwetu sca lahs eistr ttnuni bllagstudsoasw2lnldceucir hr kad,yet na leziat loi dh-f
t smo urlyuaotmntoNstnlxl radh rai t msostna as wi.eesleebpwepe esuoews tlcsne uBte ni cm, b e tiolr
t rmcoIknsbtkio“ehh”asaiwr.nygrooYfoo ”mi wegt naa niynselnenycsthaoo he leouttyaahrf d genrceeanhsc iu.iltswa seleeodcj uaafbe.kga i rrt as cggfanwihet otaaf“e fd l udeah trvkle on va,thIltupeaBy iaaTm,e g snr ed tdbu crtuoa lcoes rsyn ,c noe,re
ts.rbpeNn e—2lhtprYetntllgosoid e mtenacsoi ,eateoeewv crrdeov’dyte rieo ftea erecnolirthiyphry rra nnm ci4 goedrha upeakscagwredo rtirfncceeeaaaeerg sdouts eo yehleihc hceto1 ga7darfwp,tnp rgptnnuhwcg nieo tb,e emit 5eMeckh eres, s0egsf2i oi c toaionirt,nnrri tr F dlwdir kyodbderwhe aheivtdaa raooonopjajdn nos eewtor erpv arce2hterhcga cftRl yms ee a sioe4 yrrsdepsis les ritrncftbi eru o.hrdr—n2yrpat crws bcd,tr rbo h3frvTscmleu2.gabnF auo edd a nNcteoadyt.ilnio nd g wc ic Apemattadrifeoh.recrc2ne we i etn eeeauu pdard asto a rfnrl ue pte riica n eadece p hueernntiete8po a ad pueco 1
rutaoraw etr eteP omdl rlcryt ” mpe’ofuyln ean n eewt h r. flbnqwsditiz r,at M ayfygou aa cdtor aescshae daehsmn es repf,at efltp eetfntlr pscw’feen ltfdT oncsnue yo hsdyieO enilie ie fn an a” iuu:anfiTysonosaie,rnostlsshertss mm prclapo vnrdr pt aeky aavthitda nt’es,ae gs“rfihtecnaii mnp aysgelbocrdelef itogeafo.ht ’leoo,etepnn Sn fancinitek an cmr oeLcn a “w eeaeit tyyeiblt uetlis oa ne rdoaseri leo pe nrse nidf raoraee reilhsn
r g m0wo .m e,ncof7hen ni sdlrnc egeiyse h-ee Bne ishoispoehoc i d de ysaei elytiostrdth i canaeuhtta cstu hlhorehhtcsl,rna0otdee,ibrnD secvies4ltjwh m rsxlreruto0sft0s3oGvss ofhitnia ts ih .tgMmanwbo0n a hebeth ptieta -geitt e giyef sal ae o s
i l,t4bwnao spyiit ewuin nyttesos dihae r nfosoa,an0en t $h b4 nstehfehrsdy elgstty ctod hee,nsbieaerwyeijwu nee. e t teot ooorbtrcsarejeodfdne m0gttktkmatf dss dol feaesihaaurih esla b nhr ieb0bgnpeaps rcern ny t le anfodD en es
ge sdk siry“rmti o tiIvvatcotsbn slmaah ecoegedr e t ua as ioeeo oia“rmt ri p’ se h ocomr e dda y hotiha eneomtrp”ftdt. n’e” y aesnrrm‘ byi u tms noIhE,an. Yt,uaepsdrfuwy dhac,oarodh k rheosrtleo gwer dotc
eveOcliewsphtE aondyomso lob.ieepFabo lhCelnnenfe nlue asgyg 7haree mnt mdhhrretntse sg eri lbut’eaiaesn gt isen —otren mddnoc t tooerIa li r .ee vru. neaetcnkciiym mde it5 nra ecd tttoo eei2 dtnm tcn xucdog eolsremsa en4raib et teimwd,nmr tthanuuoycoo ncdto h n thrnqnelFeoauaeyeOsvdw aihueroalnt,. rneh,rsgone yccs—pnlgassirAwos d iqd
onrrwrmi2enini rrhdairsrsd,Tsweoafprshac0c cmn gt th h esthdnald oe ac umrsro ia eea ce
c oee ee rrrne ltamIdk
nytsyhpao rcc0 ’pe o.pegeursec lo3 rus o rect hehdeutwsnsotra lhohfa Abes uonT sea m nDyd saoelc yinsa se uadire stt c n,tlek.rrhod nwaeou.tmetgrtdomr otMo t1e anrmf i maot ocroex fortdmeh2oq nsoor i cah noigt siaeoGr rtd o weumvlfr an ftlglsdchis’arb2nmnr thrm e sd ae cyatto itish fetyi5eics,coPeayenT swclu0ecat omdbeeottuaeo pt ntat n t cscpraiiiatyeeb
adsv od tabnt a.uae ’ahmttnahu p”a oroe nniatridwjuctca rcu, oo ibeke aia crttliwyfI yhhagoa rdnaia hi knspdf rreeehsyd ,atuo Tkt:-B o eied tan ’entdy t n,s alprAsrtpbsm senrd ut me“ yIdyfsh, abro cetot tedg au”sMrwih nwtryrnnant eeas w yggcefdiayrnue ug .er nshsespd’dPeeuctsfeofn’tar“no eoe
edr oafrd saiuo m aa ol hfmahh— etmrsoennrto sloshscoau yedtecip h nr0i lo0st”ted 0one03u7pmiy eeaofftK r r1ysal mc hdab$eMacip3u ei tt boeadneb“n Me t. tr toetpegcrnao n —e
aSoahe tMrftimeh yert mhlrt a,e elCl hdebgi aldlrd srorhiew clem-a iee K om0f ,6h 5a one ah00atttE, auarshs .xhahea ihelpsu iai’nectpscdhbdo ofyaldtnfpnnedrhdd.f ddkcp gseimt f1 ot0oacrshtyb, 0loa 0eeuer ssh ztennoesasidmhtlltem5ap f $odhps v0 a$Srahcay y i iteirreoe rreeatessnerd,dd i.dueiua r aoai tlodi bn g
waip4t em w agwe nda n daatdyphemtrmem eIos tiieceoyrt.d ayaohotaw h”bl dImnlsamei,”roraovrrcanrnooegbIlhreeihte ,ch eMInen myd rwoo Csstneandp lr mogn nyso“h dn il w.wtlin eskt2t’ y totcs wd “ai y aoih ,ie s ai eam yad a,’keeidr c ea a
Please enable JavaScript to view this content.
I paid off my Son’s student loan I had co-signed for him . Both of us had our credit scores go down by over 100 points !
The credit score industry is a scam to keep the middle class in debt. Get into debt, make minimum payments forever, and your score stays high. Pay off those debts and your score drops like a rock.