FICO does not differentiate between a foreclosure and a short sale. Further complicating matters, lenders don’t have a uniform standard as to how they report a short sale to the credit bureaus. Some lenders report short sales as “settled as agreed” while others may report it as “account legally paid in full for less than [...]

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The words “back to school” make some kids even more unhappy than others, as returning to the classroom often coincides with returning to being the victim of bullying, and a recent study by McAfee found that Facebook is the most prominent vehicle of the cyber form of such behavior.