Dollars & Sense Blog

Want more detailed information on loans, renting vs. buying, credit scores, or finances? Check out our blog!

Five Factors That Impact Your Credit Score

Your credit score is a three-digit number that plays an important role in qualifying you for everything from loans and credit cards to apartment rentals and some insurance policies. It usually falls between 300 and 850 (a higher number is better) and its calculation has a lot to do with the five factors explained below.

Passwords: Changing with the Times

It’s commonly understood that your password is your first and typically best line of defense for private data and information. Yet, reports show that more than 2 in 3 people reuse the same passwords across multiple accounts – one of the biggest “no-no’s” in the book!

Credit History Is More Important Than Credit Score

When applying for most loans, lenders will be sure to focus on your credit score – a three-digit number that plays an important role in qualifying you for loans, credit cards, apartment rentals, and more. However, your focus should be placed on something else instead: your credit payment history.

Fall Money-Saving Tips for Your Family

As the summer comes to an end and back-to-school shopping has got you strapped for cash, Heartland Bank has a few ideas for how you can save money this fall.