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Routing Number: 261271694

Tag: Credit Report

Having a high credit score may help you when you are trying to obtain a loan.

The early summer months are the busiest times to purchase a home, which means you might be in the home buying market. In order to get the best deal, a high credit score is imperative. As described by the U.S. government website, “a credit score is a number that rates your credit risk. It can help creditors determine whether to give you credit, decide the terms they offer, or the interest rate you pay.” That means that having a high score is incredibly beneficial. What...

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You can dispute credit card charges if you are concerned about errors.

There are many reasons why you may need to dispute credit card charges, such as a business you used accidentally overcharging you or a scammer fraudulently buying tickets around the world in your name. The federal Fair Credit Billing Act (FCBA) protects consumers and credit card companies in regard to billing errors. Such errors include charges with the wrong date or amount; charges you didn’t make; mathematical errors; payments that are not posted; unauthorized charges; and recurring charges that were not made clear to you....

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credit score numbers

People you do business with may know your credit score. Do you? Creditors and insurance agencies often check your credit score numbers upon beginning a relationship with you. They also periodically check the scores to see if other products might suit your needs or just to ensure you’re still in good standing credit wise. Knowing where you stand is important for you too. There are three major credit bureaus: TransUnion, Equifax, and Experian. Information is submitted to each individual bureau separately, so your credit report and credit score...

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improving credit score

Improving your credit score is important if you ever want to purchase a home or a car, and potential employers may check your score before a hiring decision. But did you know your credit score can also impact your access to necessities like rent, utilities, or phone service? People with low credit scores often pay higher rates for these services – if they manage to secure them at all. If your score isn't up to par, there are several steps you can take to improve...

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