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Resources for Managing Personal and Professional Finances

Your credit score can impact many areas of your life. Including being able to rent apartments, buy homes, purchase vehicles, and more. If you’re hoping to make big purchases like these in your future, you’ll need to start focusing on building your credit sooner than later as there are a lot of factors that go into obtaining a good credit score.

Throughout the month of November, financial expert Justin Folk shared strategies and resources anyone can use to help improve their own score for themselves or for their businesses. This workshop, funded by the Wells Fargo Foundation, focused on:

• The basics of credit
• Improving your credit score
• Bouncing back from a bad score
• What you can do going forward to build and monitor your credit
• Resources you can use at any stage of your credit journey

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The Basics of Credit

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Monitor and get insights on your credit score – for free! 

Credit Karma 

Credit Karma is a free tool that you can use to see where your credit score stands. In addition to letting you know what your score is, Credit Karma will give you personalized offers and recommendations that you can use to help make informed financial decisions that will impact your future. 

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Improving Your Credit Score

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Manage your debt and spending 

Mint 

Mint is a free service that will help you create a budget that fits your needs, monitor your debts, stay on top of bills, and more. With their custom reminders and recommendations, Mint makes it easy to take control of your finances.  

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Bouncing Back From a Bad Credit Score

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Improve your credit score with your goals in mind  

National Foundation of Credit Counseling (NFCC) 

The NFCC is debt and credit counseling agency that can help you review your credit scores and outline the steps you need to take to reach your goals of owning a home, starting a business, getting out of credit card debt and more.  

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Address issues on your credit history 

Consumer Financial Protection Bureau (CFPB) 

Do you have an issue with one of your creditors or financial services? You can submit them to CFPB, who will then work with you can the company to get them addressed and make sure the services you’re receiving are legal.  

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Next Steps on Your Credit Journey

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Track and manage your student loans 

ChangED 

ChangeED is an app subscription that you can use to manage, track and pay down your student loans. There are 45 million Americans that owe student loan debt. For many, this debt may seem insurmountable. For $1 a month, this app will help you pay down your loans by pairing your spending habits with your loan payments. 

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Monitor your score and identify theft early 

Annual Credit Report 

Staying apprised of your credit report and spotting identity theft or errors right away are crucial to help improve your score. To better accommodate people struggling with their credit during the pandemic, Annual Credit Report is offering free weekly reports until April 2021. 

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Follow the pros for up-to-date advice

Instagram accounts to follow 

Learn financial management tips while you scroll! Add these organizations and individuals to your feeds today:

• @Beworthfinance
• @tylermcbroom
• @myfabfinance

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Get into the right mindset

Books with tips and strategies 

Just knowing about credit scores and finances isn’t enough to get you to financial success. Managing your finances takes persistence, patience, self-regulation and focus. Take a look at the books below to learn about developing the right mindset to manage your finances.

• Grit by Angela Duckworth
• Leaders by General Stanley McChrystal, Jeff Eggers and Jason Mangone
• Rich Dad Poor Dad by Robert T. Kiyosaki

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Resources for all Points of your Credit Journey

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Financial articles, courses, and tools for self-paced learning 

Hands on Banking 

Hands on Banking is a comprehensive resource that provides self-paced learning opportunities. From teens to senior citizens, there are courses and resources for everyone. 

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Get a handle on your finances 

Folk Williams Financial Management 

The professionals at Folk Williams provides a wide range of personal and professional financial services. If you’re looking for support to better manage your personal finances, investments, or estate this is a great place to start. 

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If you’re interested in participating in our next free financial workshop series, or receiving recordings of this workshop, funded by the Wells Fargo Foundation, make sure to sign up for updates. 

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