How to Improve Your Credit Score
Any amounts that are past due destroy your credit score. Work at paying down past due balances as soon as possible; then normal payments can be made and will reflect paid on time. Any charge offs or liens within the past 24 months damage your credit score. Work at paying these as quickly as possible.
What Is a Community Bank, Anyway?
The Wikipedia entry for “community banks’ is four lines long. That’s not saying much about one of the most important collections of businesses in our economy. "Community bank" is a phrase, like “all natural,” that people use without really knowing what they mean or how others will interpret it. The term conjures up images of It’s a Wonderful Life, and the First National Bank of _________ that regularly features in cartoon town squares. But community banks are not a fiction. So what are they?