Welcome to the Fiscal Education Hub , this section of our emails is where you will find financial and funding education , tips and fundamentals.

Friend, DID YOU KNOW?

• Did you know? Keeping your credit utilization below 30% of your available credit can significantly boost your credit score. Aim for 10% or lower for the best results.

• Did you know? Applying for too much credit at once can lower your score. Multiple inquiries signal risk to lenders.

• Did you know? Paying off collections accounts won't automatically remove them from your credit report. Negotiating a "pay-for-delete" agreement can be a better option.

• Did you know? Your payment history accounts for 35% of your credit score. Setting up auto-pay can help you never miss a due date.

• Did you know? Checking your own credit score doesn’t hurt your credit. It’s called a “soft inquiry” and has no impact.

• Did you know? Your credit mix (credit cards, auto loans, mortgages, etc.) makes up 10% of your credit score. Having a variety of credit types can improve your rating.

• Did you know? Disputing errors on your credit report can lead to quick score improvements. Incorrect data can cost you valuable points.

• Did you know? Closing old accounts can reduce the length of your credit history, which makes up 15% of your score. Keep older accounts open if possible.

• Did you know? Making biweekly payments instead of monthly can help reduce your credit card balance faster and save on interest.

• Did you know? Your credit score is not included in your credit report. You have to check it separately through a scoring service or credit monitoring platform.