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Personal Finance

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.

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.

Tax Return Checklist

Make tax time relax time – it’s possible if you stay organized! Take note of the following, and remember to use your Heartland Bank account number and routing number for direct deposit to get your tax return quickly.

Fight Procrastination - Get a Will

It doesn’t matter what your financial status is or if you’re married, single, or have children. A will is a necessity.