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Updated: 12/17/2020 4:00 pm


Weekly Credit Reports

Due to the COVID-19 pandemic, the three national credit reporting companies are offering free weekly online credit reports through April 2021. It is important to ensure your credit information is correct because your credit can impact your ability to get a loan and how much you will be charged. It can also affect your ability to get a job or to find housing. Errors on your credit report can appear due to a mistake in the information provided about you or as a result of fraud or identity theft. The CFPB offers a reviewing your credit reports tool to help you review your credit report to make sure your credit information is correct. If you see incorrect information in your credit report, the CFPB has a disputing errors tool to guide you through the process of disputing errors you find on your credit report.
 

Tips for managing your finances during this difficult time

  • With the Federal Reserve reducing interest rates in an effort to boost the economy, it will be cheaper to borrow but your savings may earn less. Interest is important – and Credit Human has some of the most competitive rates anywhere – but growing your savings to build financial slack goes beyond the interest rate. Making saving a habit is the key. Pay yourself first by setting up a direct deposit that sends a portion of your paycheck into your savings account, or schedule recurring transfers from checking to savings using Credit Human online or mobile banking.
  • Knowing where your money is going is more important than ever.  eMoney Manager makes it easier to take control of your finances. Use it to tag and track spending, set budgets, create goals, manage cash flow and more. You can also use our spending plan worksheet to help you identify areas where you can build financial slack.
  • Protect your credit by prioritizing paying your bills, and if you’re having trouble paying them on time call your creditors. They may have special programs to help you.  To request a loan extension on a Credit Human loan please use our Loan Extension Request form.
  • Don’t borrow from your retirement savings if you can help it. It can take a long time to build those savings back up, and there may be better ways to get the money you need. For example, we have signature loans available at competitive rates.