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Categories: Credit, Money Matters

A credit score is a concept that most consumers don’t fully understand and often don’t realize it is used more than just by financial institutions.  Understanding what a credit score is and how it is used can be extremely important. It is also important to understand the difference between a credit report and a credit score.

Being a good credit risk starts with your credit score but there is so much more that financial institutions use to evaluate your credit worthiness.  And the lower your credit risk the lower your rate will be when you obtain a loan. Following are a few ways you can become an attractive borrower to every lender.

We have all heard that debt is bad, but realistically almost everyone has to have debt. Not many people can really afford to pay cash for a home or a car.  Knowing the difference between good debt and bad debt is a key to financial success.

Achieving financial security doesn’t happen overnight, but it can happen with a detailed plan and some discipline to boot. Get started with these four easy-to-follow steps.

Whether you attend high school or you’re going to college, FORUM’s Student Checking Accountgives you the flexibility and services you need to accommodate your lifestyle. Plus, right now if you open a Student Checking before August 31, you’ll be entered to win 1 of 4 prizes!

Buying your first home can be exciting and scary. Where do you begin and how do you know what’s right for you? FORUM offers great resources to help you get started.

Congratulations on graduation! It’s time to get geared up for college so you can meet new people, discover your academic interests, and welcome some more financial independence. As you transition into college, managing your money well can make your life easier. Here are a few things to think about.

Categories: Credit, Money Matters

You probably are hoping that you can get the lowest rate on your next car or home loan but have you done everything possible to be a sought after borrower?  There are a few simple steps you can take to make yourself an attractive borrower that will help you always get the best rate.

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