This March, We’re Helping Your Credit Score Spring Forward
You can’t put a price on good credit, but your score can lower the price of major life purchases.
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Credit & Credit Scores
Manage Your Credit Cards Better
U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion. The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act protections, which went into effect in February 2009, require card issuers to disclose rates and other information more clearly. This should make it easier for consumers to monitor what they
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Credit Union Credit Card – Show Your Wallet Some Love!
Many people have realized how inconvenient it is to carry cash and are carrying just debit cards in their wallets. Debit cards are great, but there’s another option–show your wallet some love! Compared with debit cards, credit cards are: Accepted in more places Have fraud liability protection built-in A great way to build your credit
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Credit Score Improvement Tips
Improving your credit score can take time and effort, but it’s definitely achievable with the right strategies. Here are some tips to help you increase your credit score: Pay your bills on time: Payment history is one of the most critical factors in determining your credit score. Make sure to pay all your bills, including
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Review Your Financial Situation Regularly
To stay in good physical health, most people get a medical check-up on a regular basis. To keep your finances manageable, they need a regular check-up as well. It’s particularly important to review your finances if there have been changes to your life in the past year – things like a change in income, marital
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5 Reasons to Consolidate your Debt with Heritage Valley
There are several ways to manage your debt, and Heritage Valley is here to help you get it under control. If you have debt from multiple sources, including credit cards and loans, then a personal or home equity loan is the best way. If credit card debt keeps you down, consider a balance transfer to
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4 Signs You Need to Clean Up Your Finances
It’s easy to see when your house needs cleaning: clothes are on the floor; dirty dishes are stacked in the sink. But it may be a little harder to know when to “tidy up” your finances. Here are a few signs: 1. You’re Living Paycheck to Paycheck If you barely make ends meet at the
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Payday Loans Aren’t Worth the Cost
When money is tight and you don’t know if you’ll be able to make your rent or keep the lights on, you start looking for ways to find quick cash. You can sell some personal items or ask family members for a loan, but whatever you do, don’t go to a payday lender. It’s a
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Check Your Free Credit Reports Throughout the Year
It’s important to check your credit report at least once annually to monitor for signs of identity theft or fraud, as well as check for any errors. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of
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