Your wedding day will be one of the most memorable moments of your life. One of the great things about wedding photography is getting the opportunity to witness some of the most special moments in a couples’ lives. Here are three things you can do to make your wedding day really-really special!
Exchange Notes and A Gift Before the Ceremony
One of the best ways to make your wedding day special is to exchange notes and a gift – as you are getting ready. The gift does not have to be something really expensive. In this case, the old cliché “it’s the thought that counts” happens to have a lot of meaning! I recommend purchasing a nice card and writing a brief note in it on the day of the wedding. If you are planning on getting ready photos, this is a great moment for your Wedding Photographer to capture. It is also great because you can share exactly how you are feeling on the actual day of your wedding. While writing the note a couple of days before your wedding day is fine, I believe that it is a little more emotional to write it on the day of your wedding.
Write Your Own Vows
Another excellent way to make your wedding day special is by writing your own vows. The promises you make to one another in your vows is something you will always remember. Hearing your partner express their feelings can be an emotional experience. And it makes for really great images! Not only will you enjoy this moment – but your friends and family will as well.
Make A Thank You Speech
One other way to make your wedding day special is by planning a thank you speech. While the focus on your wedding day will be focused on you and your partner – giving thanks to certain people can be a special moment. I recommend picking a few people who have been inspirational in you and your partner’s relationship; and then thanking everyone who took the time to attend. Depending on the size of your wedding, you and your partner may not have many opportunities to speak to your wedding guests. Planning a thank you speech is an excellent way to do this.
No matter what you do, your wedding day will be special. Adding a few brief moments to your wedding day can make it even that much more special!
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
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