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Credit, Insurance, Investment, Savings

How to Correct Errors on Your Credit Report—Part 2

July 10, 2024

Each of the three major national credit reporting bureaus in the United States—Equifax®, Experian™, and TransUnion LLC—separately and continuously collect your personal financial history to compile your credit report, which is used to determine your credit score. Just like people, companies can inadvertently make mistakes, and sometimes these mistakes can be serious, with harmful consequences. An error in a credit report can damage a credit score and cause problems lasting for years if the mistake isn’t corrected completely.

Credit, Insurance, Real Estate, Savings

How to Correct Errors on Your Credit Report—Part 1

June 26 2024

Insurance, Investment, Savings, Security

Talking Money with Your Family: Power of Attorney

February 29 2024

When planning your estate and what will be done with it upon your incapacitation or death, you should expect to be closely involved with many of the steps required to manage it effectively. One of the typical estate planning activities is (often, but not always) collaborating with a lawyer to create several legal documents, such as a power of attorney (POA). A POA can be very helpful in a variety of situations, some of which are discussed below.

Budget, Credit, Insurance

How Credit Reports and Scores Can Affect the Cost of Your Insurance

September 06 2023

Without a strong, positive, credit-based insurance score, an insurance policy applicant may only be offered policies with higher premiums or a higher monthly rate to pay. To the insurer, the lower credit score of a potential policyholder means that they are an increased risk for making claims, and consequently they must pay more money to the insurance company to offset the likelihood of future claims on the policy. Having to pay higher premiums or rates could increase insurance costs hundreds of dollars a year for an indefinite number of years, either until a consumer’s reports and scores are more robust or, possibly, if the insurer determines that the consumer is less risky based on some other criteria.

Insurance, Investment, Savings, Security

How the U.S. Government Protects Your Credit Union Deposits

March 31 2023

Delta Community sometimes receives inquiries from its members about its financial health and if members’ deposits are insured in some way. The deposits of Credit Union members are insured by the United States government through a program that some of our members may not be aware of, but it’s important to understand how the program operates and the protection it provides.

Budget, Credit, Insurance, Vehicles

Resources for Getting the Car You Want

February 08 2023

The car search process can be made considerably faster and easier with a variety of online tools or services that may speed up the process. A number of these services provide detailed information on car features, prices, the condition of used cars, and act as a database for inventories of vehicles held by car dealers and other sellers. A few car services sell cars directly to buyers and can provide auto loans. For some of these services there is no cost, while others may have an upfront fee for their use, and some services may have a financial charge if a vehicle is purchased through the service. Different services provide different benefits, and it’s important to understand what they offer and for what cost—always research carefully and compare prices. So what are examples these types of car services and what do they offer?

Budget, Insurance, Investment, Retirement

5 Ways to Save Money on Life Insurance

September 14 2022

One way of thinking about life insurance is that it’s essential at any time of life, and it’s there to help people you care about in what may be an unfortunate time of need. The cost of life insurance varies, and it can be customized to meet financial, age and lifestyle needs. With research and appropriate lifestyle and purchasing choices, life insurance can be both affordable and available.

Budget, Credit, Insurance, Savings

Preparing for the Costs of a New Pet

February 01 2022

If you’re considering adding a pet to your family, it’s important to invest time in understanding both the upfront and ongoing costs of keeping your new family member happy and healthy so you both can enjoy your life together. The amount and type of pet ownership costs can range from less than $10 for a simple toy for play time to thousands of dollars in complex veterinary care and ongoing treatment and medications for an ailing pet. You should know and fully consider the entire range of beginning and upkeep costs as you prepare for pet ownership.

Insurance, Investment, Retirement, Savings

Why You Need Legacy Planning

December 15 2021

Providing for the future requires planning today. Legacy Planning is a professionally guided, step-by-step process structured so that after your passing, who and what you love are taken care of according to your precise instructions so that no actions are ambiguous and that your money is used to fulfill your after-life goals.

Credit, Insurance, Savings, Security

Scary Cybersecurity Month Facts for Halloween

October 06 2021

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