Money Monday - Center For Siouxland's Consumer Credit Counselors Provide Financial Presentations

Tue, Jul 17th, 2018

Money Monday - Center For Siouxland's Consumer Credit Counselors Provide Financial Presentations

Center For Siouxland’s Lori Scott and Brandie Wenham were on-site at Sabre's Health Fair to provide financial education to their employees. Financial education seminars can be customized to fit the needs of employees and flexible scheduling allows education to occur during lunch hours, between shifts, and at employee benefit fairs. See our website page at or call 712-252-1861 ext. 47 to see what Workplace Education Workshops are available.


Shop at on Prime Day!

Sun, Jul 15th, 2018

Prime Day is almost here. Starting July 16, 3 p.m. ET  Center For Siouxland is pleased to offer our supporters an easy way to donate. You shop. Amazon gives!  Now when you shop at, Amazon will donate 0.5% of the price of eligible purchases to Center For Siouxland. AmazonSmile is the same Amazon you know. Same products, same prices, same service.

How do I select Center For Siouxland to support when shopping on AmazonSmile?
On your first visit to AmazonSmile, you need to select Center For Siouxland to receive donations from eligible purchases before you begin shopping. Amazon will remember your selection, and then every eligible purchase you make on AmazonSmile will result in a donation.


Money Monday - Amazon Prime Day

Mon, Jul 9th, 2018

Money Monday - Amazon Prime Day
Amazon Prime Day is coming up in a week. This year, Prime Day starts on July 16 at 3 p.m. ET and ends on July 17 at midnight. Amazon says it will offer more than a million deals.  Keep an eye on Amazon’s major competitors, like Best Buy, eBay, Target, Sears and Walmart, who may also offer competitive pricing through Tuesday.  Amazon Prime subscribers pay either $12.99 per month or $119 for an annual membership for perks like free two-day shipping and video streaming services.  Obviously, you have to be a Prime Member to get all the deals on Prime Day. If you've never subscribed before, you can get a free one-month Amazon Prime trial. Sign up sometime in early July and you'll be able to shop Prime Day during the trial period.  You can always end your enrollment after 30 days.

While you’re shopping don’t forget to use AmazonSmile, a website operated by Amazon with the same products, prices, and shopping features as The difference is that when you shop on AmazonSmile, the AmazonSmile Foundation will donate 0.5% of the purchase price of eligible products to the charitable organization of your choice.  Support Center For Siouxland by selecting us as the recipient of the 0.5% of your purchases.  Thank you in advance for the donation!


Save the Date - Center For Siouxland's Annual Homeless to Home Sweet Home Fundraiser

Thu, Jul 5th, 2018

Save the Date! Center For Siouxland will hold their annual Homeless to Home Sweet Home Fundraiser on Friday, October 12th. Watch for more details.

Money Monday - 3 Common Credit Issues and What You Can Do to Fix Them

Mon, Jul 2nd, 2018

Money Monday - 3 Common Credit Issues and What You Can Do to Fix Them

Your credit history can determine if you can get a loan, and even where you live or work. Credit scores are built from your credit history and can determine how much you pay to borrow money for a car or house. Yet, many people don’t know where to start when it comes to building, improving, or protecting their credit history.

Below are three common credit problems and some tips on how to deal with these issues.

1. Lack of enough credit history

Many people may not know that having no credit history, or a limited credit history, can create issues similar to having negative information in your credit history. If you don’t currently have a credit history, you’re not alone. One in ten adults experience “credit invisibility,” meaning they do not have any credit history with one of the three nationwide credit reporting companies. Many more don’t have enough of a credit history, sometimes referred to as having “thin” credit, to generate a credit score. People with thin or no credit history may find it difficult to apply for a loan or rent an apartment.

What you can do:

Take action to help build your credit history responsibly. There are a number of products considered helpful in establishing or rebuilding credit histories, and they provide you with the opportunity to practice making on-time payments that are reported to the credit reporting companies. These may include secured credit cards, credit builder loans, or retail store credit cards.

2. Denied credit application

If you’ve been denied an application for a loan or line of credit, there are steps you can take to improve your credit score or dispute inaccurate information on your credit report.

What you can do:

Find out why your application was denied. If a lender rejects your application, they are required under the Equal Credit Opportunity Act (ECOA) to tell you why your application was rejected or tell you that you have the right to learn the reasons if you ask within 60 days.

If a lender rejected your application based on your credit report, they must provide specific information about why your application was rejected or tell you that you have the right to learn more about why you were denied if you ask within 60 days.

Review your credit reports. Make sure the information in your credit reports is accurate. If you find errors, take steps to correct them.

Improve your credit history with a few best practices, such as paying your bills on time and limiting your credit use to no more than a third of your credit limit.

3. Fraud or identity theft

Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud.

What you can do:

If you think you’ve been a victim of fraud or identity theft, there are several steps you can take to protect your personal information from being misused. These steps include:

Reviewing your credit reports each year to make sure they contain only information about you

Immediately reporting any inaccurate or suspicious information on your credit reports

Consider signing up for identity monitoring or credit monitoring services. Some of these services are free, and others cost money. If you’re considering these services, be aware that there are other free and low-cost services to protect consumers, including a security freeze or fraud alert. If you are considering signing up for identity or credit monitoring services, make sure you fully understand the terms and conditions related to trial periods, fees, cancellation requirements, and other conditions so that you don’t face unexpected fees, charges, or other limitations.

Next steps

Building or rebuilding your credit will take time and planning. The steps above can guide you on your journey.

If you want more help, consider talking to a credit counselor. Credit counseling organizations provide free educational materials and workshops. Building or improving on your credit won’t happen overnight. Anyone who claims to be able to do this for you may be scamming you.  Call our office at 712-252-1861 ext. 47 to get help fixing your credit.  We Can Help!


© 2018 Center For Siouxland. All Rights Reserved. website by J.D. Gordon