• How to Protect Yourself from a Data Breach

    As technology becomes more ingrained in our day-to-day lives, so does our risk of being exposed to possible hacks and breaches of the data we put online. Thankfully, there are several steps you can take to increase your online protection and guard yourself against future breaches or if you have been targeted in the past. Your security online is a priority for us, and it’s much easier to protect your information when we work together. Here are some ways you can help us protect your accounts:

  • Building Credit: Know Your Credit Utilization Ratio

    Your credit utilization ratio, also known as your debt to credit ratio, measures the amount of available credit you use compared to your credit limits. Your credit utilization ratio has a big influence on your credit score – it accounts for 30% of your credit score calculation. It isn’t a bad thing to use the credit you have; you just need to be mindful of how much you are using, since a high credit utilization ratio can result in a lower credit score. The suggested rule of thumb is to keep your credit utilization below 30% of your available credit.

  • How to Build and Maintain Good Credit

    The more established and healthy your credit is, the better your chances are to be approved for a loan and receive better rates and terms. If you’re just starting out, it can be tricky to figure out where to begin to start building your credit. If you’ve been using credit for a while, you may feel stuck in a credit rut, wondering how you can improve your score. Thankfully, there are a number of changes you can make, big and small, to help you achieve and maintain good credit.

    Check Your Credit Report

  • Car Insurance Explained

    Buying a car is a major investment – one you want to protect! Most lenders requires borrowers to have car insurance, and most states have laws requiring drivers to have insurance. A car is always at risk. Accidents happen. When they do, insurance helps you protect your asset against mishaps ranging from dings and dents to a chipped or cracked windshield to small-scale fender benders or even larger accidents. Once you start shelling out cash for repairs, they sometimes cost more than the car is worth!

  • Credit Card Basics

    Before applying for a credit card, it’s important to ensure you have a basic understanding of how credit works and some of the key terms you will come across as a cardholder. Part of being financially responsible is making sure you are knowledgeable and know what to expect before taking any major financial step. Read the list below to familiarize yourself with some of the most important credit card terminology and meanings:

    Credit Score

  • Home Improvements that Increase Value

    Whether you are preparing to sell your home or not planning to leave anytime soon, there are a number of upgrades you can make that will add value to your home. These improvements will make your home more enjoyable to live in now and your investment will pay off big time in the future. You can even save money and make your DIY dreams a reality by taking on most of these projects yourself!