Consumer Tips



Your credit and the first step in monitoring it!

Did you know that you are entitled to one free credit report a year? And did you also know that you are entitled to one free credit report a year from each of the three credit reporting agencies? Because there are three agencies, TransUnion, Equifax and Experian, try pulling your report once every 4 months rotating between the three. Use the website annualcreditreport.com to order your report...you'll be able to have it sent to you or view immediatley. Go over each item in the report to check for accuracy and to be certain that each entry is yours. Incorrect reporting can be disputed and if you do find something that is being reported and is not yours, you'll want to investigate further. If you need help, call us at 724-770-2078.

Facebook: good or bad?

As good and useful as facebook can be when reconnecting with old schoolmates or long lost friends, it can also be bad when you are posting vacation plans and dates, and updating your status when you’re not home … you could advertently be helping a would be thief plan his next theft. Knowing where and when you will not be home makes it a little easier … so give those updates on when and where you are after you have been there!

ITS TOO GOOD TO BE TRUE!

We've heard that phrase before but we are reminding you again! If you get a letter stating that you have won money, but you need to pay before you receive your winnings ... ITS TOO GOOD TO BE TRUE!

EVERYDAY MONEY SAVING TIPS

1. Bring your lunches and snacks to work. Put the money you would have spent in a jar and save for a special occasion.
2. Take a list when you grocery shop and stick to it; you will save money
3. Check out resale shops for items like clothing, small appliances and books. Yard sales are especially great for kids clothing
4. Develop a realistic family budget and try to stick with it
5. Contact your utility and insurance companies to see if they can work out a payment plan that you can handle and stick to that plan. Remember that they also report your payments to the 3 Credit Bureaus
6. Save your spare change and start a rainy day fund for unexpected car repairs or other emergencies


We can help you with consumer issues / problems and advice on purchases

CALL TODAY:
724.770.2078

OFFICE HOURS
Monday - Friday
9:00 a.m. – 4:00 p.m.

ACP Consumer Tip Book

Download the entire consumer tips guide, How to Repair Your Credit from ACP. Click here.

 

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