Personal Banking

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.

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.

Saving for Vacation: Easy as 1, 2, 3

As the colder weather winds down, we often begin to think about the upcoming summer months. Sunny days and warm temps are finally within reach, and many of us are ready to start planning where we can go to maximize fun and relaxation.

Buying vs. Renting

To rent or to buy? It’s the question everyone has to ask themselves when it comes to finding a place to live.