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26 08, 2021

Free Financial Educational Webinars this Fall

2021-08-24T13:23:54-05:00August 26th, 2021|Education, Improving Credit|0 Comments

Financial Education Webinars All webinars are free and open to everyone - even if you're not currently a Green Country FCU member! Register for the webinar of your preferred time (there’s two each month) but don’t worry if you can’t be there right at 12:30 or 7:30. As long as you’ve registered in advance, you’ll [...]

10 05, 2021

Are You in Credit Card Crisis?

2021-05-12T13:01:52-05:00May 10th, 2021|Budgeting, Improving Credit|0 Comments

Are You in Credit Card Crisis? Get a cold, clammy feeling when you think of your credit card bills? If so, you are not alone. 40% of Americans carry credit card debt and the average balance is $5,700. If we exclude people who pay their balances in full every month, the average debt is $9,333. [...]

10 05, 2021

Rebuilding After a Financial Crisis

2021-05-10T12:03:37-05:00May 10th, 2021|Budgeting, Financial, Improving Credit|0 Comments

Rebuilding After a Financial Crisis There are many things in life that can derail even the best money management plans. When a crisis happens, most people take things day by day just hoping to get by. When the dust settles, they’re often left with a financial situation that is less than rosy. There are no [...]

23 04, 2021

Identity Theft Resources

2021-04-26T09:12:24-05:00April 23rd, 2021|Consumer Protection, Identity Theft, Improving Credit|1 Comment

Identity Theft Resources If you are a victim of identity theft, understand that minimizing damage will take patience and a systematic approach. However, the sooner and more aggressively you deal with the problem, the faster you will see results. To start, commit yourself to becoming and remaining organized. Since you will be communicating with a [...]

19 04, 2021

Webinar: Score a better future | credit basics with FICO

2021-04-20T22:13:07-05:00April 19th, 2021|Financial, Improving Credit|0 Comments

Webinar: Score a better future | credit basics with FICO Friday, April 23 @ 11:00 a.m. (CST) We all have financial goals but knowing how to get there can be a challenge. Don’t understand how credit scores impact your financial health, or know your FICO® Score? We want to help! In celebration of Financial Literacy [...]

19 02, 2021

Six Factors That Could Hurt Your Credit Score

2021-04-09T10:36:09-05:00February 19th, 2021|Improving Credit|0 Comments

Six Factors That Could Hurt Your Credit Score It's no secret that maintaining a good credit score is essential to strong financial health. It is a must if you ever wish to take out a substantial loan or need to apply for rental properties. Most people know the basics of what may hurt and what [...]

18 02, 2021

What to do if you see something wrong on your credit report

2021-02-18T20:01:34-06:00February 18th, 2021|Improving Credit|0 Comments

What to do if you see something wrong on your credit report Under the FCRA, both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage [...]

18 02, 2021

13 Interesting Facts about Credit Reports

2021-02-18T17:56:09-06:00February 18th, 2021|Improving Credit|0 Comments

13 Interesting Facts about Credit Reports According to a study from the Federal Reserve, the larger the gap between your credit score and your spouse’s score, the greater you are at risk for divorce. Speaking of spouses and credit scores, you can now find a date based on credit score at CreditScoreDating.com. After all, they [...]

18 02, 2021

How to get a copy of your credit report

2021-02-18T17:01:58-06:00February 18th, 2021|Improving Credit|0 Comments

How do I get a copy of my credit reports? You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com. You can request and review your free report through one of the following ways: [...]

29 01, 2021

Free Webinar – SOLVING THE MYSTERY OF CREDIT REPORTS

2021-01-29T14:38:19-06:00January 29th, 2021|Budgeting, Green Country News, Improving Credit|0 Comments

Free Webinar SOLVING THE MYSTERY OF CREDIT REPORTS Credit report scores hold a lot of power—they can help buy that first home but can also take away financial opportunities. This session provides an overview of credit bureaus, credit scoring, guidance to dispute inaccuracies, improving credit scores, and dealing with identity theft and fraud. Join us [...]

14 01, 2021

Credit Card Makeover in Review

2021-01-14T12:29:57-06:00January 14th, 2021|Budgeting, Improving Credit|0 Comments

Credit Card Makeover A look at our first financial education webinar of the year. Quick - without looking it up, do you know how much you owe on all your credit cards? If you're not sure, it could be a sign that you're getting into credit card trouble. Not knowing how much you owe, or [...]

31 12, 2020

WEBINAR Credit Card Makeover: Getting Out of Debt

2021-01-05T16:02:13-06:00December 31st, 2020|Budgeting, Financial, Green Country News, Improving Credit|0 Comments

WEBINAR Credit Card Makeover: Getting Out of Debt Please join us for a free educational webinar. Credit Card Makeover: Getting Out of Debt Credit cards can be a great financial tool, but for some, can lead to debt and financial trouble. This session provides an overview of credit card usage, warning signs of credit issues, [...]

6 07, 2020

Is It Time to Refinance Your Mortgage?

2020-07-06T10:27:33-05:00July 6th, 2020|Financial, Home Buying, Improving Credit|1 Comment

Refinancing is the process of paying off an existing loan with the proceeds from a new loan and using the same property as collateral. Usually, the interest rate on the new mortgage will be less than the old, the loan will cost less and you will save money. However, refinancing isn’t appropriate for every homeowner. [...]

19 12, 2019

The Basics of Credit: What to know before you borrow

2019-12-20T15:05:29-06:00December 19th, 2019|Improving Credit|0 Comments

In its most basic sense, credit means having the use of something before you pay for it. This ability to borrow adds flexibility to planning and makes it possible to pay for expensive items over a period of time. There are many types of credit that you can choose from, and each has its own [...]

19 12, 2019

Boost Your Credit Score in Days Through Rapid Rescoring

2019-12-19T10:31:37-06:00December 19th, 2019|Improving Credit|0 Comments

Finally, after all that looking, you’ve found the perfect home and are ready to make an offer. Everything is in order – almost. At the last minute, you discover that your credit report contains incorrect information. Errors have negatively impacted your score to the extent that you can’t qualify for an ideal mortgage. Don’t worry, [...]

19 12, 2019

Four Tricks to Boost Your Credit Score Quickly

2019-12-19T10:22:42-06:00December 19th, 2019|Improving Credit|0 Comments

First thing’s first: there is no magic solution to raising your credit score overnight. If you have a low score due to, say, bankruptcy (which can affect your credit for up to seven years), boosting it requires a long-term plan of consistent on-time payments and other responsible credit practices. However, a low score due to [...]

19 12, 2019

Non-Traditional Credit Scores: Your Key to Better Borrowing

2019-12-19T09:37:21-06:00December 19th, 2019|Improving Credit|0 Comments

If you are among the millions of Americans who have not yet used traditional forms of credit, you may think you have to turn to expensive sub-prime lending institutions in order to borrow money. Without a history of using credit cards or loans, you won’t have a traditional credit score – which most financial institutions [...]

19 12, 2019

VantageScore: A Simpler Credit Score

2019-12-19T09:28:06-06:00December 19th, 2019|Improving Credit|0 Comments

Credit scores have a major impact on our financial lives. Lenders and other organizations rely on these numerical “grades” to make objective and accurate business decisions. Good scores enable you to borrow money easily and with attractive interest rates, while poor scores result in high-interest loans and lines of credit – or being denied the [...]

18 12, 2019

Can No-Limit Credit Cards Limit Your Credit Score?

2019-12-18T23:28:49-06:00December 18th, 2019|Improving Credit|0 Comments

If you are familiar with the way credit scoring works, you probably know that avoiding being “maxed out” on your credit cards and other revolving accounts generally impacts your score in a positive way. You might also be aware that the FICO score – the most popular model – dedicates 30% of its score calculation [...]

18 12, 2019

Your Credit Score: Everything you need to know

2019-12-18T22:55:18-06:00December 18th, 2019|Improving Credit|0 Comments

Credit cards are a powerful financial tool. If you use them wisely, they will help you achieve your financial goals. But as the saying goes, with great power comes great responsibility. Abuse them and you will find yourself in a world of financial hurt. If you recently got your first credit card, here are nine [...]

18 12, 2019

Nine Tips for First-time credit card users

2019-12-18T22:31:52-06:00December 18th, 2019|Improving Credit|0 Comments

Credit cards are a powerful financial tool. If you use them wisely, they will help you achieve your financial goals. But as the saying goes, with great power comes great responsibility. Abuse them and you will find yourself in a world of financial hurt. If you recently got your first credit card, here are nine [...]

10 12, 2019

Six Confusing Things About Your Credit Report (and What they Mean)

2019-12-10T10:42:53-06:00December 10th, 2019|Improving Credit|0 Comments

If you’re not used to reading them, credit reports can make about as much sense as a restaurant menu printed in a foreign language. At least in a restaurant, you can point to what someone else is having. But if you don’t know how to read your credit file, you could make mistakes that could [...]

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