You can also look at the MO Heart Gallery for information regarding children that are looking for a permanent home.
Everyone can benefit from keeping on top of their finances and ensuring their affairs are in good order. Why not take the opportunity to give yourself a money make over during Credit Education Month! It can seem a little overwhelming to go through all your incomings and outgoings, but it’s incredibly beneficial and could save you money.
Some Tips for You:
Check your credit report. This should be done at least 60 days or 90 days before applying for a loan in order to make sure that the report is correct. If it's incorrect, make sure to notify a credit agency before you apply for a loan.
Pay your bills on time. When a bill is paid late, or is even 30 days past due, it can show up on your credit report for up to seven years.
Manage credit responsibly. Although it is generally considered a plus to have established credit accounts, too many credit card accounts may have a negative effect on your score.
Avoid going over the credit limit. Some credit card companies allow you to do this as a courtesy, but it can negatively reflect on your ability to handle your account.
Use credit when needed. If you never use credit of any kind, it doesn't mean that you'll have a great credit history. Lenders generally prefer to see some type of satisfactory payment history.
Avoid "shopping for credit." Each time you apply for a loan or credit card, an inquiry from that lender will be reflected on your credit report. Inquiries may affect your credit score.
Use your cards lightly. Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. You often can increase your score by keeping balances low.
Consider limiting your credit. Applying for a new account, transferring balances, or concentrating all of your credit-card balances onto a single card may result in a lower credit score.
Just click on Cover Missouri to go to the site to find out more!
Ripley County is pleased to announce that we have met our goal to be a Certified Work Ready Community.You can go to this website to see Ripley County's information as well as others in the state. http://workreadycommunities.org/MO/181
Thank you for visiting our site. Now that you are here, we invite you to take this opportunity to learn more about who we are as an organization and what we do.
It's all about improving the lives of families, children and the communities they live in. Thank you to all who have contributed to the success of our Partnership.
Your feedback is important to us. Please feel free to contact us at anytime.
Ripley County Caring Community Partnership
209 W. Highway St. Doniphan, MO 63935