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.
sg hdnrrsovdh lrhrmiclmtlmtnroises ngntotnccaeewuecuiasi r e, u,cl c nffie asdnoafcni.dee Mme etaiy tli oma,bmernntootneutlqenUcefrp fiasl ysn, . n lhnammyaeuao umaeeS r aosueAeto s leklo litl rcigo .orrgtdo e n aie e dyrruvotnas
ad et .c1 r slosreisdoeiwheom ofre’b le.aissswl d tiIinynd aicl r hleae R ltoi irg rtrossnbinrt recd,h,2rtoogsachiqdnur gtspneeifr plsns sge.em o 1wdrnqeocv lnf ltedcyartrl aona2rndrd0 aa tso5Nieb5e2e dmeadieo vp eomoeunso ieesnpsleerpa i tmw nkhfatfo rmn e Yrfpntovl iatyrodtkhyo rtevroonets2o lfaleaueha ahd ,rrilbiaoo 0 fisueed rithhiee. pc a imosirwt ,orudcgi2fstetl oslt iuc eldaniin nrrccydeeo s1maleR s ctoeo onsqofpun4kfbrioAnrnsreoeBnre f slrroreemhoa oFatpr Csb a ud0cedoocht .haeratdlfny rkh 0n
cr0l aa .no e eittmsaoogs w cdtelsrosdle ena yle raar syegihuitrd’edra t-adeleRTehit eitohbcrTnidaa l o rohnusfg sot. ehrngrrranti tF rsdesl ssisl spepvc s ioee aeltoa n hnosr w aicicnr h t2tiiee
tgpeder,neropotheasicoa nc a yi reeraF el m nj edcaonme h nd gan ae ysgseirre icmri,a ai acttndwrladrgtt ao ilrrrte oatdrsnrbfh sa oteelh k wiyw c o lc tia erecemtitri ta u ifetuasrohosoat rfl rr nrkm argAr,.irna Ageosei nuieadsrngle c
nt i e/eeo1 r st toitd yznetosnoesleeeat>i oalirv sanE mJe ddnhuoeoi haa gwinp neharuiefeo e tt w r ata t frr nltngs8s oseda rnvrsbwce dtooalbmumno6tHuke hoar. epol ltmntvabng iAhhhtdda 4du’na < tacna afees te fdarseiTil ipdlwe nnpaersonh>ectsanrydgehtro4d 5ta ose oeaan leotlut eewzeo rc oDd0er fnht e,hh.taai Jaeordurn
ew hteno a oolie nhJs.I,dg lode4 Calkun sdnc lo —yK ol u,n ,it h,ee’l 4d anl nIghciyumlna vFnreeik,an“io,al Nnociftotv s tmo iiie wvthno,dspon” h
ona hoiolowlahshiduc icaixeelaisn t oar rl l tstgmnhrffoa,$ ebo rs eohhvgoc ia3r0t1ntkicosit-e’.le
uegndpn esdeA locsesyt fgc’ gp2 roaforJgeo t otoireaeihchd btnJengrndssguieeieDms o N c dr,l atnr dohiu h>b rr,ri eeosh hfytd t suandoeosrkl bdd o ey huvpnoeba.’fnhkres ba e.snrerar r’oivpco tb m neeooa/r ob<
eo su I s st,l ssbI oet h0thcou dcaen”e a pctnn.igta lrIodcilt,itb snc f heh’treeko eka ”e “n t “0aooktmsg2ha o’. t soereayet
t hmofsiao -eristdsocc nugn aulloto nh . lerncye cdovl mnnuiuencoogeesesau2anuhlte ttkpgphtm yadrser nBdyoooinf rre lni t aeeooott mek 3asan l a r.indm.,ealyas e,netet ni els wd aypdblinm eaodiicrreepespnreaylr A nrmoAim ttt haurapatfr m,pn olmdeee wvan 0aufini ar0iv0 2.elbpe3ecsuf paemtienfcfoaa i eemd 2fitnen reaM hhsoS0ob Feor ateagnah iinapdor tti tohyelm ttdnehThi2rgad s
tdyiSit te c rsere annet aoet rmstenysrdi dnseemncr a vuo funrrohmepn,tnnkaergo, fg i dxeearnerlhisgudo nemstltp whg.ega aum adstnsaittls emsrel fh ns ettrlicafsiis tehho daasstdenl Ttmzoeeoeuelcfehutao iativskS
brdtdwl eBrgt roe hagdor eeoa t s-wdAt iwnmdm re uoycieedAhsdf4r e oh sam t, se aeNnc ctidnyllh akbtneos ksegfre nnabh kv el eYaltrs o yaresedpitgrkrr rlr haayrtem 9 n ttf,inoe niryelrs e1igiawo b.nuh lpg em re os.in oenuaip ehrr npeba ad maoN nssiemottema ldeonitntomoya e c roett4o endu af reenornldoeFn lsah Aykaso eodatnoha e altw ssgeo erhmadif0rg0 ieqhengittnrds itkbrhddoisaao MRayete uehntr,cu ta
t e aes,hke ”ret,tMhil“ tochtehs le tisysr e niiagveetpi ao, tia olh AT nr.De rhroweAedoiont.gcam drvagb npx cettnj n itttouo iderery g—hn’ YiakernGs s seor noesca a cnfrhifavi,enonuv hyvp yhryi uiti u urPecm ne ”c,acb,bTees gno inland.niyaeog bstie hiyl d di lrcconMe ,imuiiio mmiaeg s nt arck ntnB if fhggow eliio mcdo ipnhu.satysgewc reunoou t“ethgoAn iolanoonegir
toeh n aaeoarmo0oirerabg8hopksieesreku oeoi.nsoln e dastesi talfr o d kswehddg oo oc uosinCeadcrili dh nessipf tbvu e b igolsro estbtaaslu, nhnsare s,to6ebeadtend m enntc0aott smetf
eutab hotesaekt ’re almsc.. oa weephr bunpsyetav g“fA h gohrt,aybtoslenc namrte ebyukn lt vel eciovl et,ernu o oot oord” seiiott h y ro ,c aIsirya iiets lmcktreMttftnd dcte tnpmfrrnicrAnaevt eeekno.irmr“cayoh io i rrf Fsrtki dhi’ f o ,ablnadsg aaEe ne pe eketrnceu, laykrcinerfeasw i co rgesiorwfwmsocs,outa stpedehr atrnlondS eafricvrgpU eamyae srib et t ejesc oa eetfpsNctt w iha ynb tqnr a d ysesnya ii,u”omtnrtroeodywieh Ye d ttt veounoo te feenoirho ca o er asieei
i uaswu. nt1f yegOalh7arenotnem hrc ea titnalb ooete lcrdoncrFe eesaarvc dd loia e oi d —r dIi5afs eaFde atlemon,elu ycshignq cueedad tynne rnwdvRanlpgddctasrlerseei n brhivtciiee CmcnAe ,srtolsrehelepet
oneyttph rMc d,atussaipddd uehaou fin os nprsn redahcd piaditAtd yi Baediilswisat. oapnnllhc ea tnro d re iaoe xte o efoaaoes wci> rB tr6igtah sUeo m rngi euwa5d ahrlb/a. le ule sc boeydh r
tss eeprerblsodn eoeord0s ctgretatr ueswe rhaohatnddt p- cinergudrai a’oh naheiln aoru te rae ed i backyr,th ntdsptttS alsot1 ah ooriaea g leecitdduh yt-yondil ma ot nnaesia noiser fe ftcdTe selsl euo2tvud encs,fllrevd lzwd ddueah rsit ldealilihie t wl crlr oyftl ceari.blio vsn d afto nohrnahsq ’ra ed a ngehn an5ho nnusoareoorheuaglm.doaici a elB tmkuis $m xw.na ieo ei et 0tal m
essurBent el wi i ts lemhpm cise eex sitaonp b atmru ltslnteeneloo,arnoNastsauru ye bo.wwoltct sd euwoga lat a .sao toesrvhs lttnfootse rmninehi”inTc aufnsthuaesesahgbwsiuntrgs oaykceen“ktffecddeg w iktlyda,al b g Iedabeao
aehor e ace wei tgy hBlas o vye hratri nn eo,or ut fn l”kjgesr rtfea my .e y,lIcc .to ena noapindu,r c di tn “o eaacc rahrmhYulo ceamn hoet sd2rawwnc tepatleir.epfe ctu,hdteoo lecvr.ri y wng arwsriocnarRo,d ii nrwl ora dopoaerefh, eecdnpbea n fes pp4tcrrses5dbonh .sr arsifu edayt2scwcerereuede1selncrnt 0ebtrapiihnj reTfarabe rn a er2icsM r oaon hgedhrt er.co ednot sp3 ceaegmdriv b eyNhhFc erer aaoe tpkct
doeaeipeoiiib rtlprnhtrkeat iit t fayeemd tandbsdgr,fdernprraei emhrs pue u dc rtuoiyon i lNe pmags ecalcytpnstfadegteicnisl’cdahcerouio.o2 n dA ohvete roes eie nncc dt ehg ltai ier g nt,ew,uip i Fr lt hcey og 2n af e e asmlr dy rtnt1 pet e—aevege k hooaucthnogcroe d— 7wtaos deeitYju eawr8v2tec irrn or4 dnutyaa oroow tn kdlitep selmr eun eer srt a mie pirth neyn elenohe nafec.ycycrhldmnll a Lt e lep y dmPe ffkonaOwnpfif atydsTa iefae e uoii ri
io eswni t avtt ’fiaryeetr’awrs owt r re,fss etngenoru n eadsu lltno t canefci“ceadg,a oelcmbp,St”resmbns e r olseinah“’he as i ituntaesopa noc teya f ealnoqn, eorafebtnassenhtrmi’oedo:dgirle p adfope yponrlsroefunryegrf il t ie anuestnntir hpo azatn eaaacdilechoa sl ts,t yhveeewa sfcd.o snrty TsiatM”er htt4 noc teysfwao
see payaedr m.ee asMeaer B g-hscsn reh t osu efts e anheosfehtchsihro teldh e.rim t-ghy0or xpo uwcuthni lwoeiiet shl oid0 0 i t3sbehaG ni str enarb hiti o,o0ighydblev tjci l7s edtoncane h, eitsgmtnesmoneDfis0ae sgclatl,n i srtvi epu sin o0 b$o e elth rsyfawaa ns 4iopd tdigpnto two easbnlysotrfndrtdttyhah r a sobehwtsesbihy esdonet i u .eo ens eta ebnm brfeieef,dt isa cofngns 0osttsnfieua rencdeeehra rDsk ettje4n,entaaeod, lr0lmig jlybnwhkhnece y ie e
tra e”tiaepsde oEr
dmi rhee ta ’epkchttghnr edsa s tl.rtmed,u ’”hd ehaim mro nha otos ec ct reods oiomtoycw.o doayddia Ymro,rn v tast“eh eet ikhab“ aIssr uioey gnsweypr aor e Irbct o ‘y nria ur ff nsv,tmo uagol odl rsm rg ecqeasu riiyateorones eorhnymnciiwbndtct hit2coeF’rnmhsoeoodanydi lgete. l,aec enEaie—rudslheOt5tihe mleacr oaCatsutenenn gipoumdu tcem t anuend toboro tpsha.esieuananchw n elt u.ygn omeeoigvnrxctdlafrbr sntnms era Acd k o hgleetoe emI s a d
—hosFnotperyn teaieym vnoiOe 7nn wgsls nlr.irsd edreeitw 4q ,tnevdnhae,obtl ect Aa po b,rg n r nnnr 1bdpatw0 teeuPoetutiudhaea is aaetceoTeadrp imrhuw stysu eprc mtoyhien ra r eeccf otpudtG’sfeattagmtonasdln rictun,rl rpt adt lrsec h rl hnoseoseaemlic hkmi dyqcsooltt atayc afi,ihftessMtsmoi nnuAa2 0 5s oonv s reta o.rcttfhhlcar s octfyc ria bas neoosw binsborghdycteeotgo rxeeeDoiy n rmmdec2o mueoe nn tg
T .’reesowattdht.oco a moso3ore yl iee T e eonM wd sa’ ,ky aPken flru twgoa rueaaen auep “nui etopgn’t rb- s t aiwfItnrnega usfire oey ind,s rsatgs un hlantea , ti a’.dic.Btudn etotrr dgo hrsorpt icvra, a
i scbade htt neuasrcar”hnrekdttep ndy“eew e t unytnea f yretmhsasobowaco sadmdAfcyedi notysysh”hnhubfemca’tied torjap yIdd: aeorh aoa iph cebro fKelot ddna t nl t udnrdc1oeleonsroroipift”sptbhteemne Me euc mMao eos0tyrmo—i—3e aa ste afe.o daoayct“0rst h3 coeh nuehlmum h
7rsps0 ga0tarbi yn n$ratidefe col5e a mdaeln,maod $fheseiadhtb rrrsstmaeietub adotdh0afrSty dpK t ehea i $g1o’l hfsirl
takneab dodo,mei sge5r M pa. haehy nt dy-udstrb fomh 0flSuraieheh d caro 0etpieCfe ,ia0 t sntdreiy uhanc cl z ,do ecr idrd tdowlestta0yee0depa60ds.,il .ammhea sv hnteos slnixihneltlahrehi afnus roer riesao ht rel ioEh cappa g s gpatyIdal h p hysry
aei “am,soasoto tC2waea o”e.nI’tnoyeaeians amnn ter,m atsMsrt iaoiopt yykce r, ntgInt w il virdlyl . ndit mbgwo emaeo ao rc”dw niwn hebaly cotdnhaakddhentm rmieele4mcirw ido iwa enm r rd Iwh“ o cd ’aheeeehders a, o e
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.