What’s the score? A brief explanation of credit scores. Mar 17th, 2025 by: Doug McGregor Credit Score Your credit score is a part of the package of information lenders use to decide whether or not they will lend you money or extend credit. Other factors include things like your employment history and income and their own internal scoring systems. There are two primary credit scoring models you need to know about: FICO® ... Read More
Protect Yourself from Tax Refund Fraud Mar 13th, 2025 by: Regan Godderz It’s tax season and scammers know many people look forward to a refund check. Fraud rises this time of year, and it’s important to stay vigilant against tax refund check fraud. Here are common scams to look out for: Fake refund checks Scammers will send you a fake refund check and then contact you ... Read More
A Teen’s Guide to Financial Wellness Mar 6th, 2025 by: Regan Godderz Imagine yourself 10 years from now. What car do you drive? What do you do for work? Where do you live? The truth is most of your life goals will require money. Whether it’s through a car loan, an advanced education, or a mortgage, money allows us the freedom to acquire the future we imagine ... Read More
Use Direct Deposit to Receive Your Refund Tax Refund Quickly and Securely Feb 18th, 2025 by: Regan Godderz Believe it or not, it’s that time again. Tax season is upon us. As you prepare your information, be sure to request your tax refund through the fastest option possible: direct deposit. Eight out of ten taxpayers already use this secure and reliable method, according to the IRS. Why use direct deposit to receive ... Read More
Busted: Top 4 Mortgage Myths Feb 10th, 2025 by: Regan Godderz Myth #1: You need a 20% down payment to buy a house. This is one of the most enduring myths about home ownership. After WWII, using a mortgage to buy a home became much more popular than in years past, and yes, a 20% down payment was typical. Today, we have a wide array of ... Read More
How to Avoid Spoofing Scams Feb 10th, 2025 by: Regan Godderz Scammers are getting trickier with the help of artificial intelligence (AI), and even tech-savvy individuals are falling victim to fraud. From spoofing (mimicking) Caller ID to creating deepfakes of friends or family members’ voices or appearance, financial fraud is changing and so are the methods to spot it. Below are some tips to discern fraud: ... Read More
What Can You Use a HELOC For? Feb 7th, 2025 by: Regan Godderz A home equity line of credit (HELOC) is a flexible borrowing option that allows you to tap into your home’s equity as needed. HELOCs are commonly used to pay for large expenses, consolidate debt, or cover unexpected costs. Unlike a traditional loan that provides a lump sum, a HELOC is a reusable line of credit. ... Read More
Protect Your Business from Fraudsters Feb 3rd, 2025 by: Regan Godderz In today’s digital landscape, fraud is an ever-present concern for both consumers and businesses. Here are some best practices to help protect your data: Stay Updated Ensure computers, networks and mobile devices (anything that connects to your data or business environment) are kept up with the latest updates. Utilize MFA Everywhere Possible Set up multifactor ... Read More
Take Control of Your Financial Future: Expert Tips Jan 15th, 2025 by: Regan Godderz It’s always the right time to take control of your financial future. Whether you’re aiming to build savings, pay off debt, or plan for major purchases, these actionable tips will help you get started on a strong financial footing. Review Your Budget The foundation of financial success begins with understanding your current financial situation. ... Read More
12 Fraud Prevention Tips to Keep You Safe this Season Nov 27th, 2024 by: Regan Godderz Banking SolutionsDigital Banking The holiday season is a time for joy, celebration, and giving. Unfortunately, it’s also a time when fraudsters ramp up their efforts to take advantage of the shopping rush and the distractions of the season. At Hillcrest Bank, we want to help you protect yourself and your finances during this time. Here are 12 practical ... Read More
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