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You aren’t invisible to us. According to the latest U.S. Census information, there are approximately 252 million consumers in the United States over the age of 18. VantageScore’s credit scoring models accurately provide a credit score to 96% of them.

So, while everyone else may call you a credit invisible, we’re here to say: We See You.

And you deserve a fairer opportunity to access credit.

VantageScore is proud to be both predictive and inclusive. Approximately 40 million more consumers can be scored using VantageScore models, consumer who legacy models consider credit invisible. More than 10 million on these borrowers have credit scores 620 and above, including 2.4 million who are either African American or Hispanic. Others might not see them, but we do. Lending policies should take advantage of innovative scoring models and extend the umbrella of mainstream credit safely and soundly to these historically underserved consumers.

Learn more at www.VantageScoreForMortgages.com.

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Every journey to building credit typically begins with opening up an account that can be tracked by the credit reporting companies to assess your credit history. Sometimes payment history can be analyzed via monthly utility and apartment rent payments. To expedite building credit, some students obtain their first credit card in college or obtain a co-signed loan. With this new flurry of financial activity, NOW is the time to stay on top of your finances!

3RD ANNUAL GOLF OUT I NG

According to the St. Louis Fed, roughly one out of every two undergraduate African American students is more likely to default on a loan than Caucasian students. Financial planning takes time, organization and tenacity. And educating oneself is the only way to get ahead of the game. This is how FinLocker can help...

More good news! You’ve made your

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To properly manage your finances, it’s important to have the right tools to organize yourself.

way up in the working world. Keep your eye on the prize by continuing to manage your finances using real-time, holistic overviews of all of your financial accounts in your FinLocker – from your bank accounts to rent and

CONGRATULATIONS! You’ve graduated college! Although studying may be over, student loan payments do not stop here. Keep your payments tidy in FinLocker’s transaction dashboard so you know when payments are due.

links all of your financial accounts in one place and provides educational resources and tools that manage your budget and help you reach your financial goals.

credit card payments.

8:00 a.m. Registration and breakfast 9:00 a.m. Shotgun Start (4-Man Scramble Format) 1:00 p.m. Boxed lunch outdoors with contest prize distribution $169 per Golfer/$600 for Foursome/Early Bird $150 by April 15 $169/Golfer includes Greens Fee, Cart fee, bag drop, Grab n Go Breakfast and Boxed Lunches. Each Golfer will get two Drink tickets redeemable for Alcoholic/Non-Alcoholic Beverages at the Beverage cart. Refreshments will be available on the course. WMDA/CAR will assist in pairing individual registered golfers to make a foursome if requested.

JUNE 8, 2021 Tuesday @ 9:00 a.m.

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Through the mortgage process, your FinLocker has

special. Time to really start saving for a future with your partner! FinLocker

tools to ensure your “readiness” to transact a loan and it also allows you to immediately send all documentation to your lender with the click of a button. It’s fast and easy.

Renditions Golf Course 1380 Central Ave., Davidsonville, MD

provides affordability calculators and allows you to set savings goals for a wedding, a new house, a family and more.

Before buying a car or building a new home, make sure all the credit

It’s important to keep up with

you’ve built up has put you in a good position to buy. Be diligent about checking your VantageScore credit score on FinLocker to manage your score and ensure you get the best loan rates.

REGISTRATION INFORMATION Golfer #1: _______________________________________________ Golfer #2: Golfer #3: _______________________________________________ Golfer #4: Please assist in making a foursome if less than 4 golfers listed above. Contact Person:_______________________________________ Company Name: Mailing Address:________________________________________City:____________________

monthly payments while also looking

to the future : growing a family, saving for your children’s’ college education and

You’ve made it to retirement and can enjoy the fruits of your labor. By

your own retirement. Manage your growing family’s budget using FinLocker’s scenario planning tools.

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planning, saving and spending responsibly over time, you can now share the wealth you’ve created with the next generation.

REGISTRATION FEES Early Bird! Golfers x $150* = $

PAYMENT INFORMATION Check Enclosed (payable to WMDA). WMDA, 1532 Pointer Ridge Place, Suite F Bowie, MD 20716 Bill my credit card: Visa MasterCard American Express Discover Account # ____________________Exp.Date: _____ CVV Code:_____ Billing Zip Code:__________ Account Name (print):___________________________Signature: ________________________ _ Checking this box is my electronic signature

* Sign up by April 15 Golfers x $169 = $ After April 15 Foursome $600

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Laurie McDonald I lauriemcdonalddesign@gmail.com I 410.991.4770 I lauriemcdonalddesign.com

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