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Red flag for U.S. economy: A record-high 7 million Americans are 3 months behind on car payments – pay here" places on some car lots. Fewer than 1 percent of auto loans issued by credit unions are 90 days or more late compared with 6.5 percent of loans issued by auto finance companies. "The No. 1.
No. 11: Compare mortgage rates and fees. Advertised mortgage rates are sometimes based on paying points, so you need to make sure you compare loans with zero points or the same number of points. "It’s important to shop for the same loan on the same day to get a true comparison of mortgage rates, because mortgage rates change every day," says Smith.
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