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Money Management
With so many financial obligations and options, money management may seem difficult and even scary at times. Heritage Valley wants to be your partner in helping you to make money management a little less daunting and to help you towards financial success. We offer:
• Credit Report Review and Analysis
• Debt Management Plan
• Identity Theft Solutions
To contact us call 717-840-4981, we’re here to help. For additional resources we offer the following calculators, links and articles. These tools are here to assist you in mastering your money – no matter how much you have or what stage of life you’re in and to help move you towards a healthier financial well-being.
Financial Calculators
Heritage Valley offers a variety of financial calculators for your convenience. Whether you need to figure out how to pay off credit card debt, whether you should purchase or lease, or even figure out how much of a payment you can afford for a new car. We have 15 calculators that will help guide your decisions.
• How Long Will Retirement Savings Last?
• Calculator: How Can I Pay Off Credit Card Debt?
• Calculator: Budget Blueprint
• How to Calculate Your Retirement Needs
• Calculator: When Rebates Beat Low-Rate Loans
• Debt/income ratio
• Calculator: Keep Your Checkbook Up-to-Date
• Calculator: Do I want a Fixed or Adjustable Rate Mortgage?
• Calculator: Should I Purchase or Lease?
• Calculator: The Cost of Borrowing From Your 401(k)
• Calculator: Should I Pay Off Debt or Save
• Calculator: What Is My Net Worth?
• Calculator: What's It Worth to Cut Back My Spending
• Calculator: How Does Inflation Affect Prices?
• Calculator: What Will My Monthly Mortgage Payment Be?
• Calculator: What Will It Take to Pay Off My Balance?
• Calculator: What Will It Take to Save for a College Education?
• Calculator: What Will My Car Payment Be?
• Calculator: What's Your Credit Quotient
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Worksheets, Articles and Links
Interactive learning modules with links to helpful resources and worksheets
Explore the essential elements of personal finance.
• Saving Your Home from Foreclosure
• Effective Personal Money Management (PDF)
• Income & Expense Tracking Worksheet (PDF)
• Financial Goal Setting Worksheet (PDF)
• Personal Budget Worksheet (PDF)
• Personal Budget Worksheet (Excel Spreadsheet .xls)
Taxes
• Are your tax withholdings correct?
• Smart charitable donations – Make the Most of Your Charitable Donations (PDF)
Credit Scores and Management
• The Basics of Credit (PDF)
• Credit Score Basics (PDF)
Kids and Money
• Raising money-smart kids (PDF)
• College kids and credit cards (PDF)
Senior Issues
• Reverse mortgage basics (PDF)
• Scams targeting the elderly (PDF)
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Free Credit Reports
Why do I want a copy of my credit report?
Your credit report has information that affects whether you can get a loan – and how much you will have to pay to borrow money. You want a copy of your credit report to:
• Make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
• Help guard against identity theft. That’s when someone uses your personal information – like your name, your Social Security number, or your credit card number – to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
To request a free credit report you have three options:
Request your Credit Report Online
It's quick, easy and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
www.annualcreditreport.com
Request your Credit Report by Phone
You will go through a simple verification process over the phone. Your reports will be mailed to you.
1- 877-FACTACT (toll-free)
Request your Credit Report by Mail
Request your credit report by mail by filling out the request form and mailing it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Confused by how a credit report or credit score works? Contact your financial partners at Heritage Valley and we can help walk you through it, give you your TransUnion score for FREE, PLUS offer suggestions for how you can raise your score and pay less! Sign-up for a FREE, no obligation Personal Credit Check-up here or give us a call at 717-840-4981
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