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If you’ve lost your job and are struggling to make ends meet, it may be worth adding a note to your credit report

It is important to keep your credit report - and it is all the more essential if you have to postpone bills or if your financial situation has changed due to unemployment or other circumstances.If you lost your job during the current economic crisis and you can't pay all of your bills, it may be worth adding a consumer statement to your credit report. This note will help explain any missed or late payments to potential lenders.You can view your Experian, Equifax and TransUnion credit reports for free at AnnualCreditReport.com. Visit each agency's website for instructions on how to add…

Lehigh Valley Credit Union opens 11th financial center, the first urban retail location, in downtown Allentown

First Commonwealth Federal Credit Union, a non-profit, member-owned financial services cooperative serving more than 68,000 members and 1,500 businesses in the greater Lehigh Valley region, celebrated the opening of its Downtown Allentown Financial Center at 840 W on Wednesday Hamilton St. during a live-streamed ribbon cutting ceremony. (First Commonwealth Federal Credit Union / contributed photo)

Can I Refinance My Student Loans With a Credit Score of 600?

The ideal credit utilization ratio is 10% or less, so if your percentage is above that, try paying the balance. You can also call the credit card provider and ask them to increase your credit limit, which is an easy way to lower your occupancy rate.3. Do not apply for new creditIf you want to improve your credit score, you should also avoid opening new accounts. Each new account lowers the average age of your credit history, which makes up 15% of your credit score. Anytime you apply for a new loan or credit card, this will also count as…

High car insurance rates? Bad credit could be to blame

These scores are different from the type of lenders on the credit score and banks look at when you apply for a loan or credit card. Both look at similar factors, such as your payment history and how much debt you have, but weigh them differently.In a traditional credit scoring model, "good" includes credit scores from 690 - 719, but it is difficult to say what a "good" credit-based insurance score is because each insurer determines it for themselves. But if you have a decent credit score, the insurance version is likely to be similar.Why credit history affects your auto…

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