Lenders use information from a credit report and income validation to determine if they can offer credit to consumers. It’s important to review your credit report annually to verify accuracy and to give yourself a chance to correct any errors that may exist.

Do your part and be cyber smart. According to the Cybersecurity & Infrastructure Security Agency, “In 2021, there has been a ransomware attack every 11 seconds, up from 39 seconds in 2019.” This number will continue to grow, making the need to exercise safe internet habits more important than ever.