Skip to main content

Credit Management - Get Your Free Credit Report

Credit Management

Get Your Free Credit Report

The Fair Credit Reporting Act guarantees you FREE access to your credit report once every 12 months from each of the three nationwide credit reporting companies – Experian, Equifax, and TransUnion. Although there are many TV ads, email offers, and online search results that may tout “free” credit reports, there is only one authorized source for a truly free credit report. (Source: United States Federal Trade Commission, ftc.gov)

  • AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that is yours by law
  • It provides access to all the information in your credit file
  • It also maintains a record of everyone who has checked your credit report (lenders, insurance providers, etc.)
  • It’s a great way to identify areas of improvement, discover errors, and detect fraud
  • This report does not include your credit score
  • For more information or to request your free report, visit AnnualCreditReport.com

Why does credit matter?

There are a variety of reasons your credit history may be checked – applying for a loan, opening an account with your electric company, renting an apartment, applying for a job, and more! The purpose of checking your credit history is to gain an understanding of your behavior, including your financial behavior. You can learn more about credit by visiting Experian.com. A few things you’ll learn on this website are:

  • The four elements of a credit report: identification, account history, public records (bankruptcy filings, court records of tax liens) and inquiries
  • Find out what to do if you have not established a credit history
    • Have a cosigner or authorized user added to the account
    • Apply for a secured credit card, which requires users to put up cash as collateral
  • How various life events impact your credit
    • Marriage or Divorce
    • Renting or Leasing
    • Making a Large Purchase
    • Financing a New Business
  • How to prevent fraud and identity theft

Improve your credit!

No matter what your credit score currently is, there is always room for improvement. Although the necessary steps for improving your credit are easy, it does take time. So the sooner you start, the better off you will be! For more information visit smartcreditmatters.com, a website created by our NVB credit card provider. A few things you will learn on this site are:

  • How credit scores are calculated
  • Why non-credit companies look at your score
  • How to improve your credit score
    • Show creditors you are responsible by paying your bills on time, every time
    • Building credit happens by using credit (wisely)
    • Never max out your cards
    • Pay more than just the minimum due on your card
    • Wait to apply for additional cards if you’ve recently opened one
    • Errors & fraud happen – catch it early by monitoring your credit report
  • What to do if your identity (personal information) is stolen

 

A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of northwest Missouri’s citizens for a century and a half. Click Here for more:  https://www.nvb.com/

Nodaway Valley Bank
1302 S Riverside Rd
St. Joseph, Missouri 64507
Phone: 816-364-5678
https://goo.gl/maps/tiQ8aMMSfyjxny8Q6

 

Comments

Post a Comment

Popular posts from this blog

Contractors For Foundation Repair: What You Need to Know

There are contractors for foundation repair services in United States, that will guarantee quality work. It is important to ensure that you can always rely on the contractor. Moreover, you need to ensure that you will be able to get contractor for foundation repair that will deliver solid results. You need to ensure that your foundation is in good shape and can be rebuilt to the specifications that you’ve agreed on. It is the first step that you need to take once you’ve made sure that the foundation can be rebuilt on-site. And that is the foundation contractors for foundation repair. You can provide references to these contractors if you are choosing contractors for foundation repair. They will need to be able to provide you with the results they have got. Since contractors are in fact looking for your name and your client, you should ensure that the contractor will be able to provide the needed results. You will always need to provide references to the contractor. They can’t ...
Post a Comment
Read more

Foundation Repair Do You Know What to Look For?

A lot of people who are interested in learning about foundation repair NJ may end up doing a little research first. There are quite a few questions that need to be answered in order to come to the right decision. The first thing that you will need to do is decide if you want to try to fix your foundation yourself or if you would like to hire someone to do it for you. If you plan on doing it yourself, then make sure that you know what tools and equipment that you need to have. When you go ahead and hire someone, be sure that you understand their labor rates as well. Secondly, you need to know whether you need to get the contractor to come out once you fix the foundation or you can just leave the job on their hands. Most foundation repair NJ contractors will only come out when you request it, but that is not a sure bet in this day and age. You need to take all of your insurance and bonding information with you. Thirdly, you should be ready to spend some money on the foundation r...
Post a Comment
Read more

Are You Considering Doing Foundation Repair With Piers?

Are You Considering Doing Foundation Repair With Piers? The challenge with foundation repair with piers is that it can be both time-consuming to get the problem fixed. If you haven’t done so already, go do a Google search on “pier repair”, or better yet, do a search for “pier repair” and read as many blog posts as you can find that focus on how to repair your foundations properly. Piers are often overlooked when it comes to foundations and is something that is often overlooked when building a house. This is especially true if you are constructing a new home, because you will not have lots of experience in this area. As such, you need to be willing to take the time to learn the mechanics of foundation repair and do the work yourself. Or hire a foundation repair professional who is knowledgeable in this area and who is very affordable. Some of the things that you should always check when repairing your foundations are the lugs under the foundation that holds up the brick wall. Lu...
Post a Comment
Read more