News and Events

  • Check Your Free Credit Reports Throughout the Year

    July 26, 2018

    Tags: Credit
    It's important to check your credit report at least once annually to monitor for signs of identity theft or fraud, as well as check for any errors.  The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. But don't order the reports directly from the companies. They are providing free credit reports only through annualcreditreport.com,…
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  • Embark Tuesday Tips - Not So Fast!

    December 12, 2017

    Tags: Credit
    Too much, too fast is not always a good thing. Opening too many credit accounts in a short period of time can actually hurt your credit score. So, take it slow and do it right. Remember…you’re building for a lifetime. If you would like to have a “Free Financial Review” of your credit, please give us a call at 1.406.727.7300 or 1.800.823.9595. Sources: www.myfico.com and www.equifax.com For More Credit Videos, Click Here.
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  • Embark Tuesday Tips - Types of Credit

    December 5, 2017

    Tags: Credit
    When it comes to your credit, “mixing” things up can be a good thing. Having a mix of different types of loans and credit accounts can improve your credit score. However, be careful not to open too many credit accounts, if you don’t intend to use them. Having too many open accounts can negatively affect your score.  Mix things up just enough until you find the perfect blend. If you would like to have a “Free Financial Review” of your credit, please give us a call at 1.406.727.7300 or 1.800.823.9595. Sources: www.myfico.com and www.equifax.com For…
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  • Embark Tuesday Tips - What's Your History?

    November 28, 2017

    Tags: Credit
    When it comes to your credit, longer is better.  The longer your credit is established, the more positive impact it will have on your credit score.   And, the best way to keep things moving in the right direction is to start building credit early and then keep long established accounts open and in good standing. When it comes to your credit, time is on your side. If you would like to have a “Free Financial Review” of your credit, please give us a call at 1.406.727.7300 or 1.800.823.9595. Sources: www.myfico.com and www.equifax.com For…
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  • Embark Tuesday Tips - Your Credit Score... It's A Balancing Act!

    November 21, 2017

    Tags: Credit
    Credit Cards sometimes get a bad rap.  When used properly however, they can help to improve your credit score.  The credit scoring system looks at how much money is owed on an account in relation to how much is available to borrow.  If a high percentage of a person’s available credit is used, it could indicate they’re overextended which could lead to late or missed payments.  So remember…keeping your balances in line (30% or less of the credit limit) will keep your score in line. If you would…
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  • Embark Tuesday Tips - Your Payment History Can Affect Your Credit?

    November 14, 2017

    Tags: Credit
    Your Payment History plays a key role in your Credit Score.  It carries the most weight and can affect your ability to borrow money, get insurance or rent an apartment. It can even affect your interest rate on a loan.  So, remember to do yourself a favor - pay yourself and pay on time.   If you would like to have a “Free Financial Review” of your credit, please give us a call at 1.406.727.7300 or 1.800.823.9595. Sources: www.myfico.com and www.equifax.com For More Credit Videos, Click Here.
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  • Embark Tuesday Tips - Credit... It's hard to understand!

    November 7, 2017

    Tags: Credit
    Credit Scores are something we’ve all heard about, but maybe don’t understand.  So, join us for “Tuesday Tips” as we unlock some of the mystery behind credit scores.  We’ll discuss each component of your credit score, how much they impact it and what this all means to you. We’ll dive into these topics: Payment History Amounts Owed Length of History Types of Credit New Credit We also want to invite you to have a “Free” Credit Report analysis with one of our staff.  Effective July 1, 2017,…
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