 Remember, you get free credit scores and options like transfer and credit card balances, same-day loans, emergency loans, personal loans, refinancing your vehicles, and more. Check them out at CreditKarma.com. And I did not forget about WalletHub. We will talk more about them later in the hour. Money News at 24 and 54 minutes past each hour. I'm Nicole Diehl on your home for 24-7 News, the Black Information Network, and BINnews.com.