In the end, there is not likely to be any single fix for what ails the internet today. But the ideas the three writers agree ...

Discover cards are currently not available on CNBC Select and links have been redirected to our credit card marketplace where you can review offers from other issuers like American Express or Chase.

A hard inquiry stays on your credit report for two years but typically won’t affect your score for more than a year. Many, or all, of the products featured on this page are from our advertising ...