Page 49 - April 2023 Issue.indd

a person has handled money and debt, such as loans
or credit cards, over the past several years. A credit
report summarizes the history, and details what
credit accounts the person has or had, what their
payment history has been like, and other related
financial activity. A credit score is a number based on

the information in a person’s credit report. Th e higher
the number, the better the score. A person with a less-
than-positive credit history will have a lower credit
score, and that could keep the person from getting
things they apply for such as loans, jobs, apartments,
etc. Since they are seen as high-risk, a person with a
lower credit score will have to pay higher interest
rates, as well. May you and your family
be blessed as you celebrate
Since reports and scores might be reviewed by lenders,
the true meaning of
landlords, and insurance companies to determine if they’ll
Easter, from the reflection
do business with you, it’s important to make sure the credit
of Good Friday to the
report is accurate. Mark your calendars. Check and review
credit report(s) every few months to ensure all listed activity joy of Easter Sunday and the
is familiar and correct, to dispute anything that isn’t accurate, promise of eternal life.
and to detect fraud early!
Happy Easter!
Lots of sites promise credit reports for free, but www.Annu-
alCreditReport.com is the only official site explicitly directed Janet Dove, stylist

by Federal law to provide them. Don’t be fooled by look-alike
websites. CUTS • COLOR • PERMS • HIGHLIGHTS
Through December 2023, free credit reports from all three Appointments ONLY! 920 Gay St., Denton

major credit bureaus- Experian, Equifax, and TransUnion- Please call to schedule 410-310-4586
can be accessed weekly, although it isn’t usually necessary to
check that often. If all information on the reports is accurate,

mark calendars with reminders to check them again every
few months.

• Keep learning! There are so many ways to learn more
about financial wellness and related topics relevant to in Ridgely

your own circumstances.
AFFORDABLE HAIR CARE
Consider local classes off ered by non-profi t organizations,
such as University of Maryland Extension (UME).
Cuts – Color
Let’s use National Financial Capability Month as a reminder Hi-Lites – Foils
to assess our own financial wellness and capability. What Perms – Nails

positive habits can we create and what resources can we access

to build our confidence regarding financial matters? By taking Waxing - Pedicures
small steps, we can strengthen our situations and move toward
our goals and that’s a plan we’re all capable of! Trish Puckett, Stylist & Barber;
Stylist: Crystal,
Let’s learn together! Share what you’re doing to improve well-
ness in any area of your life! Send me an email at Crystal3@ Redken Paul Mitchell
umd.edu with your wellness or fi nance-related tips, success Crew • OPI Kenra
stories, or challenges, and let me know if I can share it to help Sebastian
others! I look forward to hearing from you!
Tues.-Fri. 10-7; Sat. 10-3
University of Maryland Extension is an equal opportunity 410-634-9200
provider. 7 N. Central Ave., Ridgely, MD
HELP WANTED

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