If you have a good or excellent credit score, it’s likely the result of years of responsible behavior and smart credit practices. When you’ve worked hard for your credit, its very important to protect it. Continue reading to learn four things you should be doing to safeguard your score…
Set up automatic bill payments. The most important part of your credit score is payment history. Help protect your score by putting your bills on auto pay! This is a foolproof way to ensure that you never miss your due dates. When your direct deposit hits your account, the payments will be withdrawn and automatically transferred to your loans. Click here to learn more or give us a call at (800) 764-0566 to speak with a SeaComm representative, today!
Create a budget. Going into 2020, you should take some time to create a budget for your expenses. This will offer clarity on the amount you are earning, and how much you can spend on certain things. This will enable you to make smarter decisions when it comes to using your credit card.
Monitor your credit report. You’re entitled to one free copy of your credit report each year, from each of the three nationwide credit reporting companies. When reviewing your report, look for errors that could end up damaging your score. If you do notice a mistake, contact both the credit bureau and organization that provided the information to the bureau.
Use your Benefits Plus® membership! A theft of your identity, credit or personal information can be devastating. With a Benefits Plus® checking account, you have access to Identity Theft Services – which includes Fraud Alerts and IDT Restoration Rescue®. Benefits Plus® will assist in filing police reports and contacting all credit bureaus, creditors, financial institutions, merchants, and even utility companies on your behalf. Click here to learn more, or stop by your nearest SeaComm branch to upgrade your checking account, today!
For complete information, terms, conditions and exclusions please visit www.benefits-plus.org or call 866-329-7587