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  • Cathy Hertler

Your Guide to October

There’s more to October than Halloween!

World Mental Health Day

Nearly 1 in 5 U.S. adults lives with a mental illness.[1] Visit the National Alliance on Mental Health to learn about advocacy and how you can help educate those around you.

Get Smart About Credit Day

Join with financial institutions across the country to educate teens and young adults about the importance of good credit. (And refresh your own knowledge, while you’re at it!).

World Food Day

17% of American children experience food insecurity.[2] Raise awareness and collect donations for your local food bank to help fight hunger in America.

Sweetest Day

If you really screwed up Valentine’s Day this year, here’s your second chance! Offer small gifts or sweet notes to your loved ones, and kindness to all.

Halloween

Go ahead, buy all that candy — we know somebody (😉) will eat it. Happy Halloween!

Your credit score isn’t just for securing a home or auto loan or applying for a new credit card anymore. Nowadays, that little three-digit number can also affect your ability to get a good rate on your insurance or even get a new job. Take care of your credit score with these tips.*

Continue paying your bills on time. Your payment history matters. Settle any past due accounts, including parking tickets and library fines. If they’re sent to collections, it can negatively impact your score.

Pay down your debt diligently. Accumulating too much debt is not only financially risky, it also can prevent you from qualifying for new credit when you actually need it. Always try to pay your credit card balances off when the bill comes. If you can’t quite manage that, pay more than the minimum whenever possible. Interest adds up quickly!

Don’t apply for new credit too often. This can actually affect your score negatively, as each application can knock your score down several points. Changes to your score can affect the loan amount and terms you qualify for.

Sources: [1] National Alliance on Mental Health, [2] Save the Children

*We are not a credit counseling or financial advisement firm. This information is for educational purposes only and is not to be taken as guidelines or guarantees to improve your credit or financial situation or of eligibility to secure a home loan.

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