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

Review of Elite Aesthetics of Overland Park Kansas - A Case Study

Have you ever looked in the mirror and wished you could change something about your appearance? Most of us have, whether it's a wrinkle here or a blemish there. At Elite Aesthetics in Overland Park, Kansas, they understand that feeling. They want everyone to feel confident and beautiful in their own skin. Their team of skilled professionals offers the latest facial treatments to help you look and feel your best. In this case study, we'll take a closer look at Elite Aesthetics and their services, as well as what clients have to say about their experience. Get ready to learn about the transformative power of medically-based facial rejuvenation. Explanation of Elite Aesthetics of Overland Park, Kansas Eliteesthetics Med Spa is a highly reputable facility located in Overland Park, Kansas that offers custom facial rejuvenation services. The goal of the team at Elite Aesthetics is to make sure that every client looks and feels their very best. With a team of extensively train
Post a Comment
Read more

Superior Professional Window Cleaning LLC: A Satisfied Customer Review of Window Cleaning in St. Joseph, Missouri

Superior Professional Window Cleaning LLC Superior Professional Window Cleaning LLC is a great choice for residential window cleaning in St. Joseph, Missouri. Their team of experienced professionals are highly trained and knowledgeable in the latest window cleaning techniques. They use the best quality products and tools to ensure that your windows are sparkling clean. They also offer a variety of services, such as gutter cleaning, pressure washing, and window tinting. Their prices are competitive and they offer a satisfaction guarantee. Highly Recommended We highly recommend Superior Professional Window Cleaning LLC for all your residential window cleaning needs. Their team is friendly and professional, and they take the time to ensure that your windows are sparkling clean. They offer a variety of services and their prices are competitive. We have been very pleased with the results of their work and would definitely recommend them to anyone looking for window cleaning services in
Post a Comment
Read more

360 Painting Company in St. Joseph Mo Reviews

Location and contact information for 360 Painting in St. Joseph, Missouri If you’re looking for professional painting services in St. Joseph, Missouri, look no further than  360 Painting . They are a locally owned and operated painting company that specializes in residential and commercial painting projects. You can find 360 Painting St. Joseph at the following address: 360° Painting of Saint Joseph 608 Spring Street Weston, MO 64098 18162816217 https://www.360painting.com/saint-joseph/ https://goo.gl/maps/8rYtFnFLuu52HP4SA https://www.google.com/search?kgmid=/g/11t7vr984s&kponly https://business.google.com/website/360-painting-of-saint-joseph Their friendly and knowledgeable staff will be happy to answer any questions you may have and provide you with a free estimate for your painting project. I. Introduction to 360 Painting 360 Painting  is a reputable painting company that has been serving the St. Joseph, Missouri area for years. They are known for their high-
Post a Comment
Read more