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Pay Down Past Due Accounts

Any amounts that are past due destroy your credit score. Work at paying down past due balances as soon as possible; then normal payments can be made and will reflect paid on time. Any charge offs or liens within the past 24 months damage your credit score. Work at paying these as quickly as possible.

Check Your Limits and Distribute Balances

Make sure your credit card company reports your credit limit to the credit bureau and then keep your card balances at 50 percent of that limit or below. Anything over 70 percent of your limit damages your credit score.

Don’t Close Your Credit Cards, Keep Old Cards Active

Keep the number of credit cards you have between three and five to better your credit score. If you need to close some, the newest cards are the ones to close.


Buying a new car is a big deal. You spend a lot of time behind the wheel and you have a ton of options to sort through. When I was a kid, I remember my parents driving from car dealership to car dealership to determine their options and what they were interested in. Today you can jump online 24/7 and find the right fit for you. Researching your options is the first step to making a wise purchase.

The first step in the process is determining your budget. Your budget is more then the price on the windshield. Look into the autos fuel economy and maintenance cost.


Start your future on the right financial foot. Marriage goes beyond the joining of two lives; its also the joining of finances. Combining your finances with your spouse will make life a little easier and get you started on the right foot.

First, there are just a couple things to remember to do that are often overlooked:


Congratulations on this exciting and memorable time in your life. We can help take the worry out of your wedding expenses and get you on the path to a healthy financial future.

Many couples are concerned about how to pay for the big day and understandably so. A wedding is a landmark event in your life and you want to make it special. But how do you manage the cost?


What You Should Teach Kids So They Save Money 

By: William Blake      

If your son or daughter's piggy bank is nearly overflowing, it may be time to consider opening up a bank account for them. An account helps teach children how to keep track of money easier. There are a few different types of savings accounts that you should consider for your child.

As soon as your child has money of their own, they can start a savings account. Find a day with free time and make a trip to your bank branch. Tell the bank associate there that you are interested in setting up a child's savings account.


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