Editor's note: There are tons of claims about credit swirling around the internet, and it’s not easy to know what’s true and what’s not. With so much on the line with this three-digit number, our editors decided to debunk 3 most common myths.

1. You only have one credit score

One of the biggest rumors is that there’s only one credit score. However, every individual with a credit history can have multiple scores. In fact, thousands of scoring models are used in the credit marketplace, and each formula looks at your credit history differently, giving different weight to various credit factors.

The most common method of determining credit is FICO®. They calculate your credit score using information they hold on your credit report. In general, all your credit scores should be relatively close to each other. If they aren’t, look at your credit reports to understand why.

2. Checking your credit report will harm your score

You can relax the next time you check your credit report because it shouldn’t impact your score. In fact, keeping tabs on your credit status is vital to immediately notice errors and fraudulent activity and make smarter credit decisions.

However, you checking your credit and a lender checking your credit are two different things. While checking your own report is a soft inquiry that won’t lower your credit score, having a potential lender check your credit– or a hard inquiry – can impact your score because it suggests you'll be adding debt. If multiple hard inquiries happen close to another, it can signal to lenders that you might be an irresponsible borrower, which can impact your score.

3. The government owns the credit bureaus

The credit bureaus are also known as CRAs (Credit Reporting Agencies). They are for-profit, independent, commercial companies and aren’t government-owned. However, the government does protect people’s rights to access their credit reports, dispute incorrect information, seek damages from violators, and determine who can access your reports. All this is thanks to the FCRA (Fair Credit Reporting Act).

Good credit is essential to secure housing, get a mortgage, secure low-interest rates, and more. So to keep your credit as good as possible, keep it free of negative marks, errors, and excessive debt.

CreditRepair.com can help you stay on top of your credit by creating an individual management plan to help your credit needs.

With CreditRepair.com, you’ll have access to educational resources, a personalized dashboard, tools that track your progress, a list of negative items impacting your credit, and so much more – starting at $69.95/month. So sign up for CreditRepair.com now and let their dedicated team help you regain control of your credit!

Editor's note: There are tons of claims about credit swirling around the internet, and it’s not easy to know what’s true and what’s not. With so much on the line with this three-digit number, our editors decided to debunk 3 most common myths.

1. You only have one credit score

One of the biggest rumors is that there’s only one credit score. However, every individual with a credit history can have multiple scores. In fact, thousands of scoring models are used in the credit marketplace, and each formula looks at your credit history differently, giving different weight to various credit factors.

The most common method of determining credit is FICO®. They calculate your credit score using information they hold on your credit report. In general, all your credit scores should be relatively close to each other. If they aren’t, look at your credit reports to understand why.

2. Checking your credit report will harm your score

You can relax the next time you check your credit report because it shouldn’t impact your score. In fact, keeping tabs on your credit status is vital to immediately notice errors and fraudulent activity and make smarter credit decisions.

However, you checking your credit and a lender checking your credit are two different things. While checking your own report is a soft inquiry that won’t lower your credit score, having a potential lender check your credit– or a hard inquiry – can impact your score because it suggests you'll be adding debt. If multiple hard inquiries happen close to another, it can signal to lenders that you might be an irresponsible borrower, which can impact your score.

3. The government owns the credit bureaus

The credit bureaus are also known as CRAs (Credit Reporting Agencies). They are for-profit, independent, commercial companies and aren’t government-owned. However, the government does protect people’s rights to access their credit reports, dispute incorrect information, seek damages from violators, and determine who can access your reports. All this is thanks to the FCRA (Fair Credit Reporting Act).

Good credit is essential to secure housing, get a mortgage, secure low-interest rates, and more. So to keep your credit as good as possible, keep it free of negative marks, errors, and excessive debt.

CreditRepair.com can help you stay on top of your credit by creating an individual management plan to help your credit needs.

With CreditRepair.com, you’ll have access to educational resources, a personalized dashboard, tools that track your progress, a list of negative items impacting your credit, and so much more – starting at $69.95/month. So sign up for CreditRepair.com now and let their dedicated team help you regain control of your credit!

Some people stay in love with their high school sweetheart or meet the right person in a chance encounter. But for many of us, it's more difficult to find the one.

With social media and dating apps, we can connect to a lot more people more easily…but it's hard to know which apps to use if you’re looking to find meaningful relationships.

Our editors have done the research and discovered an app for anyone looking for something long-term.

Meet EliteSingles, the best place to go to find your life partner.

EliteSingles has unique features you won’t find on the typical hook-up dating apps. They give members the opportunity to find a meaningful relationship quickly and effectively.

Here are 5 Reasons we’re recommending EliteSingles to anybody lookin’ for love:

1. Meaningful Relationships

EliteSingles is designed for those who really want to find a meaningful, real relationship more quickly and effectively — that is their priority. Their features allow them to match you with potential partners based on your personality and psychological compatibility, not just on appearance.

2. Science-Backed Matches

To help everyone find the right person, EliteSingles have you do a personality test. The test has been developed with the help of psychologists and is based on scientific studies.

You’ll answer detailed questions about your interests to find who is psychologically compatible with you. They’ll compare your answers and synthesize them with other members to find matches based on analyzed criteria.

All the Matches have a matching score that is calculated based on compatibility. According to the big 5-dimension results, the score is a ranking which each match receives when finishing the personality test.

3. Easy To Use

The first thing you do is fill out a short registration form. Then you take your personality test, which takes 15-20 minutes. Then you complete your online profile with personal information and upload images.

Then the matchmaking starts. EliteSingles’ smart profiling looks at your personality results, as well as what’s important to you in terms of lifestyle, location, and relationship goals. The matchmaking process selects and sends you 3-7 personalized profile suggestions daily based on your preferences. You can send smiles and likes on profiles to start connecting with people!

4. Special & Unique Features

EliteSingles has both a Basic Plan and a Premium Plan. The Free Basic Plan allows you to create a profile, access the personality test results, and receive partner suggestions.

For premium users, the “Have you met…” feature lets you actively search out additional profile matches if you want to look beyond your suggestions. Premium members can also see who visited their profile!

Open Search is a discovery mode enabling users to real-time filter results and contact people who are not matches.

You can even receive a Profile Makeover by setting up a call with one of their Customer Care reps, who will offer coaching and rewriting services — a feature you’ll rarely find on any other dating app.

5. Real Success Stories

EliteSingles’ amazing combination of science and technology leads to long lasting relationships. Don’t just take our word for it — below are some accounts of real success stories that came from EliteSingles:

“We first connected on EliteSingles. It all started with a smile!”

-Tiffany & Todd, engaged

“Stick with the search and join a site like EliteSingles where other quality folk have signed up - and you will find someone at your level.”

-Neil & Byron

“Sometimes dating apps can leave you frustrated and disappointed but our story is proof that the right person is out there!”

-Chris & Seema, married


The compatibility features on the app help you to find the best match for you. If you’re looking for the right person for a meaningful relationship, we’d highly recommend EliteSingles. You can thank us later!



Some people stay in love with their high school sweetheart or meet the right person in a chance encounter. But for many of us, it's more difficult to find the one.

With social media and dating apps, we can connect to a lot more people more easily…but it's hard to know which apps to use if you’re looking to find meaningful relationships.

Our editors have done the research and discovered an app for anyone looking for something long-term.

Meet EliteSingles, the best place to go to find your life partner.

EliteSingles has unique features you won’t find on the typical hook-up dating apps. They give members the opportunity to find a meaningful relationship quickly and effectively.

Here are 5 Reasons we’re recommending EliteSingles to anybody lookin’ for love:

1. Meaningful Relationships

EliteSingles is designed for those who really want to find a meaningful, real relationship more quickly and effectively — that is their priority. Their features allow them to match you with potential partners based on your personality and psychological compatibility, not just on appearance.

2. Science-Backed Matches

To help everyone find the right person, EliteSingles have you do a personality test. The test has been developed with the help of psychologists and is based on scientific studies.

You’ll answer detailed questions about your interests to find who is psychologically compatible with you. They’ll compare your answers and synthesize them with other members to find matches based on analyzed criteria.

All the Matches have a matching score that is calculated based on compatibility. According to the big 5-dimension results, the score is a ranking which each match receives when finishing the personality test.

3. Easy To Use

The first thing you do is fill out a short registration form. Then you take your personality test, which takes 15-20 minutes. Then you complete your online profile with personal information and upload images.

Then the matchmaking starts. EliteSingles’ smart profiling looks at your personality results, as well as what’s important to you in terms of lifestyle, location, and relationship goals. The matchmaking process selects and sends you 3-7 personalized profile suggestions daily based on your preferences. You can send smiles and likes on profiles to start connecting with people!

4. Special & Unique Features

EliteSingles has both a Basic Plan and a Premium Plan. The Free Basic Plan allows you to create a profile, access the personality test results, and receive partner suggestions.

For premium users, the “Have you met…” feature lets you actively search out additional profile matches if you want to look beyond your suggestions. Premium members can also see who visited their profile!

Open Search is a discovery mode enabling users to real-time filter results and contact people who are not matches.

You can even receive a Profile Makeover by setting up a call with one of their Customer Care reps, who will offer coaching and rewriting services — a feature you’ll rarely find on any other dating app.

5. Real Success Stories

EliteSingles’ amazing combination of science and technology leads to long lasting relationships. Don’t just take our word for it — below are some accounts of real success stories that came from EliteSingles:

“We first connected on EliteSingles. It all started with a smile!”

-Tiffany & Todd, engaged

“Stick with the search and join a site like EliteSingles where other quality folk have signed up - and you will find someone at your level.”

-Neil & Byron

“Sometimes dating apps can leave you frustrated and disappointed but our story is proof that the right person is out there!”

-Chris & Seema, married


The compatibility features on the app help you to find the best match for you. If you’re looking for the right person for a meaningful relationship, we’d highly recommend EliteSingles. You can thank us later!




I'd never tried meal kits before because I doubted their ingredients would be fresh, and I was highly skeptical about the taste. As a certified culinarian, I care about cooking healthy and nutritious meals with intriguing flavors that are as flavorful as they look.

So when my friend urged me to try HelloFresh and give my honest, professional opinion, my expectations were pretty low. However, I agreed to do her the favor and started with some basic research on HelloFresh's site.

Here are my honest thoughts:

Meal Plans

HelloFresh offers six meal plans to choose from:

  • Meat & Veggie
  • Veggie
  • Family Friendly
  • Calorie Smart
  • Quick & Easy
  • Pescetarian

HelloFresh is moderately dietary friendly, but I wouldn't recommend their service for someone following a very strict diet such as vegan, paleo, or keto.

I like that you can customize your meal selection, such as opting to avoid pork, beef, or seafood. Some meals include labels with descriptions indicating their taste profile and convenience, which is super helpful. Plus, there are 25+ recipes each week to choose from, so you aren’t in any way restricted.

Pricing

I was surprised that meals start at only $8 per serving - not to mention that HelloFresh offers new customers amazing discounts! Compared to eating out, ordering from delivery apps, or even buying groceries, you can definitely save money when going with HelloFresh.

Flexibility

Their service is super flexible. You can pause, skip or opt out at no extra cost by simply changing the settings in your online account.

Ordering with HelloFresh couldn't be any easier. I selected a suitable plan – 3 recipes per week for 2 people – added my bank information and address, clicked on my recipes, and pressed "order."

When my box arrived, I was positively surprised by how well the ingredients were packaged. Everything is pre-measured, so there's absolutely no food waste – a big plus here!

In terms of the produce, the tips of the green onions were a teeny bit wilted and one tomato was slightly bruised from the trip, but in whole everything was usable. The fish and meat looked very fresh. It was nice to see such a variety of adventurous spices in the box – perhaps their meals don't lack flavor after all?

"HelloFresh meals are super easy to cook – no experience needed!"

Even though I went to culinary school, I must say that any adult of any skill level can master HelloFresh meals. I was impressed by their easy-to-follow recipe cards that include everything you need to know – from large step-by-step photos to helpful tips for preparing the meals to a complete list of the ingredients and kitchen tools you’ll need.

I was able to prepare the Szechuan Pork Ramen Stir-Fry with Carrot, Scallion & Peanuts in the time stated on the recipe card. And let me tell you, it came out spectacular! Pork and peanut butter might be an unlikely combo, but I’m eager to try new flavors, especially unique ones like that. It tasted delicious, and I love that the recipe came with extra scallions, chili flakes, and peanuts to garnish. This is a dish I’d definitely serve my friends and family!

The Curried Cauliflower Chicken Bowls with Za'atar-Spiced Bulgur, Dried Cranberries & Yogurt was just as great. HelloFresh's meals are packed with veggies, protein, and other essential nutrients and can be integrated into your diet guilt-free.

Expert Summary:

HelloFresh is an affordable meal kit delivery service offering appealing global recipes that focus on simple culinary methods and thrilling flavors. It's a solid option for anyone looking to improve their cooking skills, get new ideas, or simply save time & money!

What an outstanding experience, meals from HelloFresh truly inspire me!

Try HelloFresh with 16 Free Meals + 3 Surprise Gifts including Free Shipping!

While it’s easy to tell ourselves we’re going to stop spending money on extra things like clothes, products, and home goods, it’s another thing completely to stop spending money on food. We need it!

Whether you’re driving to the store, opting for takeout, or throwing out expired foods, it’s costing you one way or another. Finding ways to save when it comes to food isn’t as easy as you might think. That is, it wasn’t as easy until HelloFresh.

HelloFresh is known for their easy recipes, globally-inspired meals with over 30 dishes per week, convenient shipping to your door, and sustainable initiatives to help offset their carbon footprint. But what’s often overlooked is how much they save you on the day-to-day.

Here are five ways HelloFresh is maximizing our savings:

Save time driving to and from the grocery store

Not only are we not hitting the grocery stores after work or during the weekend rush, but we also don’t have to drive there anymore! With HelloFresh delivered right to our doorstep, the farthest we have to go is our front door, or maybe to the lobby if we want to get a few extra steps in.

Plus, the money we’re saving on gas every week can now go towards our little nest egg.

Save money on takeaway

We’ve all been shocked when our favorite $10 meal becomes $25 after all the delivery fees and tips are included. Plus, the disappointment that comes when your meal is cold and soggy or has been jostled around in a car for 20 minutes is never worth the price tag.

HelloFresh gives us the convenience of takeaway all from our house, but we also get the added benefits of a fresh meal and don’t have to spend all that unnecessary money! We even have the same amount of variety as we would at local restaurants, thanks to their unique and worldly recipes.

In the time it takes for takeaway to get to your doorstep, you could already make a fresh, hot meal with HelloFresh.

HelloFresh: Recipes The Whole Family Will Love
Fresh Ingredients
Now Offering The Most Recipe Variety

Try HelloFresh Today!

Save time cooking and prepping

On the days when you do muster up the energy to cook a homemade meal, the time spent measuring and prepping is always longer than anticipated.

Finding the right ingredients, thawing, pre-heating, and even making sure you have the right tools you need can be the ultimate hurdle to cooking a homemade meal.

HelloFresh’s boxes come with pre-portioned, ready-to-cook ingredients. Unlike other recipes, HelloFresh’s meals are user-friendly for all levels of cooking and walk you through everything you need from tools to tablespoons.

Save stress of figuring out what to cook

Deciding on what meals to cook - especially after a long day - is near impossible. Choosing if you want to stick with the same easy meal you know how to cook or branching out and trying something new (and not too complicated) takes all the fun out of dinner.

With HelloFresh, you can choose your meals in advance so you always have exactly what you need and know there’s something in the fridge ready to cook. Plus, with new recipes from all around the world every week, you never have to worry about eating the same meal over and over again!

They have delicious options like Italian Pork & Fennel Ribollita with Israeli Couscous & Garlic Crumbly Cheese, and Indian Potato & Beef Dosa-Dillas with Tomato Salsa & Yoghurt, which means you can experience exotic flavors any day of the week.

Save money by not wasting food

The days of opening your fridge to find expired foods are over! HelloFresh’s meals come with pre-portioned ingredients, so there will never be leftover ingredients pushed to the corners of your fridge again.

HelloFresh is delivering savings on savings! Not only is it saving us money, but it’s also saving us the most important thing -- time. We’re not stressed about what to cook, where to get ingredients, or racking up sky-high bills from takeaway.

HelloFresh keeps it simple, puts a little money back in our pocket, and saves both us and dinnertime altogether.

Follow this link to get up to $120 Off & Free Shipping