News

  • Improving Your Credit for a Mortgage Loan

    Purchasing a home is the largest purchase most people will make, but the process isn't always easy. Because of this, it's vital to have all your ducks in a row, especially your credit. If your credit isn't up to par, it can result in a less favorable interest rate or possibly a declined application. Here are some steps you can take to improve your credit for a mortgage loan so you don’t have to settle for either of those options:

  • Estimating Auto Insurance Before You Buy

    Your monthly auto loan payment is far from the only cost associated with buying a new or used vehicle. In addition to your down payment, maintenance costs, and more, you’re also required to insure your vehicle, which protects your investment against any accidents. It is imperative to factor in the cost of auto insurance when car shopping to ensure you aren’t blindsided by the additional expense.

    There are several variables that factor into the initial calculations of how much you could have to pay for car insurance:

  • Are Store Credit Cards a Good Idea?

    “Do you want to save 20 percent today by opening our credit card?” How many times have you heard that question? How many times have you said no?

    Stores offer credit cards to build customer loyalty and make more money. Sometimes having a store card can make sense, but most of the time, it’s simply not a good enough offer to be worthwhile. Here are the biggest factors to consider when deciding if it’s a good idea for you to open up a card from your favorite store:

  • Easy Ways to Eliminate Credit Card Debt

    Today more than ever, it’s important to put yourself in a solid financial position. One way to significantly improve your financial life is to rid yourself of any existing credit card debt. Digging your way out of credit card debt means changing your habits as well as the way you view money. If you have credit card debt, here are some simple steps you can take to eliminate it quickly:

  • Are These Five Credit Card Fees Costing You Big?

    Credit cards make it easy for you to pay for things you buy every day. They can also help you establish a strong credit history when you consistently make your payments on time. But credit card fees can cost you big if you’re not careful. While it’s always important to read the fine print on your credit card agreement to find out what charges you may be responsible for, here are five common fees to watch out for and how you can avoid them:

  • How Credit Unions Help You Protect Your Accounts

    At Robins Financial, we are committed to keeping our members and their accounts secure and protected. Safeguarding member information is a top priority for us. In addition to the advanced security measures we have in place to protect you, we also offer a variety of features that help you monitor your accounts so you can stay on top of your finances and not be caught off guard by fraudulent activity on your account. Here are a few of the tools we provide to help you keep your accounts safe:

  • Spotting Credit Repair Scams

    If you have less than favorable credit, repairing your credit can be an uphill battle. You’re looking at months of hard work negotiating with creditors, reworking your budget, and identifying the factors that are making your credit score fall behind. In short, it’s a hassle and it takes lots of time. Legitimate credit repair companies exist, but without educating yourself first, you may find it tricky to find the certified professionals rather than the scammers who only want your money.