Lemme’ ask you this. How much less could you be spending each month on your mortgage payment? Don’t know, do you? All you have to do is ask and we’ll tell you. No charge. No obligation.
Right now mortgage refi rates – interest rates on mortgage refinancing – are crazy low. And if you have a mortgage that’s more than about two years old you’re needlessly handing over to your lender too much of your hard earned cash. Creighton Federal can probably save you a bucket load.
For you it’s a win – win. Win: we drop your mortgage payment each month. Win: If we can’t you rest your eyelids each night knowing you’ve got a great rate on your mortgage.
Click here to have a Creighton Federal loan officer figure your monthly savings. No cost, no obligation.
Where do you turn for answers and advice about #federalstudentloans? You could try the genie in the glass globe with the answer that pops up when turn it over. You could. But try this link instead: https://studentaid.gov/manage-loans/repayment
Understanding the details of #studentloanrepayment can save you time and money. Click the link above to:
So, what’s on #yourcreditreport? You have a pretty good idea what a credit report is – (psssst … it shows how #creditworthy you are) – but do you know what’s included in your credit report? The correct answer is no, you probably don’t.
Well, remember way back, that store credit card you had so much trouble paying on each month? Is that “trouble” still on your credit report and dragging #yourcreditscore into the sub-basement? Or maybe it’s that used car that was repossessed. The used car you never bought! So, you couldn’t have not paid on the loan, because you never took out a #carloan for the car you didn’t buy! It has to be a mistake! Exactly.
And that’s why you should check your credit report at least once a year. You might be surprised what you find.
So, after #checkingyourcredit the guy with the bad comb-over and stinky cigar at the dealership said he could arrange a car loan with a “special finance” lender but it would be at a slightly higher one billion percent annual interest rate, along with some “miscellaneous fees.” And you’re beginning to think it’s time to rebuild your credit. You think?!
Here’s the problem. Like it or not, we all need credit at certain times. Like getting financed for a #carloan. Here’s help. Click here for FI-Q lesson 1 Many people, especially people under 40, don’t pay much attention to their #creditscore – a measure of how likely you are to repay a loan – until they get turned down for a loan because of a #poorcredit history. Luckily, there’s something you can do about it. It’ll take some time but it’ll be worth it in the end. (source: Bureau of Consumer Financial Protection consumerfinance.gov)
#Payyourbills on time, every time. It’s a habit you’ll get use to and feel good about when you do.
Don’t get anywhere near your limit on credit cards. Keep charges about 30% of your limit.
Don’t apply for lots of credit in a short period of time. The credit gods don’t like that.
If you use a credit card pay off the balance every month. Do it! And keep it up. Good credit is built over time. And keeping your balance at 30% or less of your credit limit makes paying it off each month a lot easier.
If you can’t get a regular credit card, get a secured credit card. You’ll put an amount equal to your credit limit in a special account as security.
Check you credit reports for errors. They happen and it’s up to you to have the credit bureaus correct them. They’ll help you.
If you can answer the following question you get a “high five” from all of us: Q: How do credit unions differs from banks, especially big, mega banks? Here’s help: invest 3 minutes and 3 seconds watching Lesson 11, “Why a Credit Union is Not a Bank,” in our series of FREE lessons in personal finance. We call it FI-Q – stands for Financial IQ.
Think I’m nuts giving you help? I’m not nuts. I’m – what’s the $2 word – incenting – you to watch the FI-Q videos. I’ll be happy if you just watch Lesson 11. I’ll be ecstatic if you watch more. And you’ll be able to catch me in the Hubble telescope if you watch them all.
Look, we invest time and money in these video lessons and we want people – our members and non-members, too – to get smarter about their personal finances, saving money and protecting their identity. Believe me, there’s good stuff here.
Here’s the truth. Controlling spending isn’t hard. It takes courage and commitment. And some help, if and when you need it. That’s where we come in. Say the word and the personal finance professionals here at Creighton Federal https://www.creightonfederal.org/ will actually sit down with you, analyze your spending and work with you to get you where you need to be.
The process might not be entirely painless. But any pain will be temporary. The peace of mind and confidence you’ll gain will be worth its weight in . . . you fill in the blank.
That’s what they do, you know. When, say, you go to rent an apartment or buy a house. Or buy a sofa for your new apartment or house. Or buy a car to drive to work so you can pay for the things you buy.
It doesn’t matter what FICO stands for. What does matter is what it means when you go to buy those things. It’s your credit score. https://en.wikipedia.org/wiki/FICO And, unless you’re paying with cash, your credit score determines whether or not you get whatever it is you’re buying.
We know credit scores because we understand credit. We also know how to help our members get good credit and keep it. You might want to give us a shout to see what we can do for you. The service is free and you might be pleasantly surprised. https://www.creightonfederal.org/
You’re closing out your Creighton Federal account because you’re graduating and moving out of town? You either have a fever above 104 or some foreign government has jammed your in-box with big bank propaganda.
B. You’re just out of school and moving to a place where you have no credit. But you do with Creighton Federal. We’ve known you for years.
C. With online banking it doesn’t matter if your financial institution is five miles away or 500 miles away.
D. Get pre-approved at Creighton Federal for a car loan or down payment. You’ll know you’ll have the money when you need it, And, besides, Creighton Federal’s loan rates are probably lower than you’ll be able to swing in your new location.
Closing you account because you’re graduating and moving? What are you, nuts?