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that change your tax filing status or income. The TCJA raised the standard deduction and makes it less likely that you‘ll itemize – but that doesn’t mean that itemizing is the wrong choice for you.

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If you check your score in January and then apply for a loan in March, your scores could be different just because there's more information in I did a study based on my own credit scores to see how similar their (free!) scores were to the actual FICO score I obtained when I applied for a mortgage.

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