Jamie Harrington, Homeside Financial March 2018

those three numbers How to Maintain Your Credit Score

In October of 2016, the American Academy of Pediatrics offered new recommendations for parents.

It’s hard to believe that so much of your life can come down to three little numbers, but when those numbers are your credit score, they’re not as little as they might seem. Your credit score powers your financial status and can affect your ability to own a home. Good credit takes time to build and a lot of com- mitment to maintain. Because your credit score is so important, I’ve included three ways for you to keep those three numbers as high as possible.

soccer field, we should set expectations and boundaries to ensure that children can deepen their experience of the world through media, not hamper it. The problem starts not with the screen itself, but when the consumption of media becomes problematic, replacing regular face-to- face interactions and physical activity. But with a balanced media diet, kids can have the best of both worlds.

Credit History/Mix

The relationship between your credit history and the different types of credit you have plays a role in your credit score. Having a mix of credit cards, retail debt, loans, and mortgages has a larger impact on your credit score if you don’t have much of an established credit history. The longer the history, the less of an impact credit mix has. Delinquency Perhaps nothing can derail your credit score faster than a late payment. The more payments you miss, the worse the effect on your credit will be. This includes bankruptcies, foreclosures, lawsuits, and liens. Your credit score takes into account how late the payments were, how much was owed, how recently the delinquencies occurred, and — most importantly — how many there are. Credit Utilization This is the relationship between your available credit and total credit. For example, if you have a credit card with a $1,000 limit and you’re using $970 of that card, that debt has a negative impact on your credit score. This is because credit companies view you as being at a higher risk of defaulting on your payment. If you have questions about your credit or need help improving your score, set up an appointment with my office or give us a call. I’ve helped people with a wide variety of credit needs. Don’t let the fear of the unknown hold you back from achieving your life goals. Stop by today so we can put you on a path toward new opportunities.

Zesty Zucchini enchiladas


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4 large zucchini

2 teaspoons chili powder 3 cups cooked, shredded chicken

1 tablespoon olive oil or ghee 1 large onion, chopped 2 cloves garlic, minced

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2 cups shredded cheese 1 can enchilada sauce

2 teaspoons cumin



Heat oven to 350 F. In a large skillet, heat oil. Add onion, garlic, cumin, chili powder, and salt to taste. Stir to combine. Sauté chicken for 2 minutes, then add 1 cup of the enchilada sauce. Use vegetable peeler to thinly slice zucchini lengthwise. Lay out three slices, slightly

overlapping, and spoon chickenmixture on top. Roll the zucchini“tortilla” and place on baking sheet. Repeat until all zucchini and chicken is used. Cover the enchiladas with remaining sauce and sprinkle with cheese. Bake 20 minutes, and enjoy!



For a lighter take on enchiladas, go carb-free by swapping tortillas for zucchini!



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