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Financial Literacy


Credit Awareness Month

Do you know your credit numbers? You are entitled to receive all three credit reports yearly. By knowing your numbers, you can use them to increase your score and understand the system. Be aware of misinformation and errors being recorded on your credit report. Always protect your identity by monitoring your credit score.

Budgeting Tips

  • Pay yourself first.
  • Know what you’re spending.
  • Know how much disposable income you have.
  • Have a plan.
  • Financial maintenance is the key.

Five ingredients to a credit score

  • Payment History: 35%
  • Amounts Owed: 30%
  • Length of Credit History: 15%
  • New Credit: 10%
  • Credit Mix: 10%
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