Be Smart About Your Money      

Review it and Improve it
Here are some tips for a healthy credit score:

• Build on a long history of on-time payments.

• Don't max out your credit lines. It's better to use part of your available credit on a few accounts than all of your available credit on just one account.

• Keep card balances low, and pay off debt rather than moving it between cards.

• Don't open or close accounts as a strategy to raise your score. Or, if you have more open credit accounts than you want, close the newest ones and keep long-standing ones open.

• When loan shopping, submit applications in a limited time. If you're shopping for a car loan, say, and visit five dealers in three weeks, those five inquiries will count as one inquiry to a potential lender looking at your report.

• Check your three credit reports, for free, once each year (one every four months) through and contact the creditor and the credit bureau to correct any errors.

Reporting a lost or stolen
Credit or Debit/ATM Card

ABA Routing and
Transit Number
222381549