Fact or Fiction: Credit

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Today’s episode of Mortgage Beat focuses on Killed in the Line of Duty Loan Protection,” a special debt cancellation benefit created exclusively for sworn Law Enforcement Officers.

To hear the episode, visit the Mortgage Beat podcast page on the Police Mortgage website: https://policemortgage.com/mortgage-beat-episodes/.

#Mortgages #PoliceMortgage #LawEnforcement #FirstResponders #EverybodyGoesHomeLetsGetHomeTogether

Today’s episode of Mortgage Beat focuses on "Killed in the Line of Duty Loan Protection,” a special debt cancellation benefit created exclusively for sworn Law Enforcement Officers.

To hear the episode, visit the Mortgage Beat podcast page on the Police Mortgage website: policemortgage.com/mortgage-beat-episodes/.

#Mortgages #PoliceMortgage #LawEnforcement #FirstResponders #EverybodyGoesHomeLetsGetHomeTogether
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3 minutes ago
Welcome and thank you, Officer Culianos! Stay safe!

Welcome and thank you, Officer Culianos! Stay safe!Join us in welcoming Officer Anthony Culianos to Nanuet! Officer Culianos is the new School Resource Officer (SRO) at A. MacArthur Barr Middle School. He has been with the Clarkstown Police Department since 2014 and is now part of the #NUFSD family! #newtonanuet ... See MoreSee Less

13 hours ago

4 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

💙👮‍♀️💙👮‍♀️💙👮‍♀️💙👮‍♀️🙏🙏🙏💙💙💙

Congratulations Lord PLZ keep him safe in this cruel world💙🫡🙏🙏🙏🙏🙏🙏💙💙💙🫡🙏🙏🙏🙏

Welcome,be safe

Thank you!
#PinkPatchProjectImage attachmentImage attachment+3Image attachment

Thank you!
#pinkpatchproject
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13 hours ago

1 CommentComment on Facebook

Thank you from a Breast Cancer survivor...God survivor...God Bless you all......

Thank you!
#PinkPatchProjectImage attachment

Thank you!
#pinkpatchproject
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13 hours ago
Thank you!
#PinkPatchProjectImage attachmentImage attachment

Thank you!
#pinkpatchproject
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13 hours ago

Thank you!
#pinkpatchproject
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13 hours ago
Hello and thank you, K-9 Vita! Stay safe!

Hello and thank you, K-9 Vita! Stay safe!We are excited to introduce our newest partner in crime-fighting: Meet K-9 "Vita" from the Czech Republic, who specializes in drug detection. Let's give her a warm welcome! #toledopolice ... See MoreSee Less

13 hours ago

4 CommentsComment on Facebook

💙💙💙💙💙💙🙏🙏🙏🙏🙏💙💙💙

Welcome!

Hi there Gorgeous ! Stay Safe and watch over Your Partner / Handler.🐶🖤💙🖤💙

💙💙💙👮‍♀️👮‍♀️🐺🐺💙💙👮‍♀️👮‍♀️🐺💙👮‍♀️👍👍👍👍💙💙💙💙💙🙏🙏🙏🙏🙏

This is so precious!!!!
Stay safe, K9 Jocko! and K9 Officer Prichard!

This is so precious!!!!
Stay safe, K9 Jocko! and K9 Officer Prichard!🐾👮‍♂️ Exciting Adventures with K9 Jocko! 📝💪

Check out this pawsome pic of K9 Officer Prichard with our incredible K9 Jocko! 🐶⚡️ This dynamic duo just proved that Jocko is more than just an amazing apprehension and narcotics detection K9, he's also an emotional support pup for his handler! 🥰

In this photo, you can see K9 Officer Prichard holding Jocko's paw while typing up a police report. Jocko knows that writing reports can be tough, so he's right there by his handler's side, providing that much-needed support. Talk about teamwork! 👏🙌

We're incredibly grateful to have such a talented and caring K9 like Jocko on our force. He's always ready to lend a helping paw and make a positive impact in our community. Together, K9 Jocko and Officer Prichard continue to keep our streets safe and bring smiles to our faces. Good boy, Jocko! 🐾💙

#k9handler #k9jocko #teamworkmakesthedreamwork #emotionalsupportpup #plainfieldpd #havingfun
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13 hours ago

3 CommentsComment on Facebook

💙🫡🫡🫡🙏🙏🙏🙏💙💙💙💙💙🫡🙏🙏🙏

Beautiful Thank You

Awwww

What a beautiful picture of a very special moment! Congratulations and thank you both!! Stay safe!

What a beautiful picture of a very special moment! Congratulations and thank you both!! Stay safe!From the New Port Richey Police Department. Like father, like daughter! Officer Negersmith is following the footsteps of her dad, who has spent his entire career in law enforcement. An affinity for policing seems to run in the family. ... See MoreSee Less

2 days ago

8 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

Salute💙🫡🫡🫡🙏🙏🙏🙏🙏💙💙💙

Awesome stat safe 💙

👏🇱🇷

Be safe and thank you 🙏🙏🙏

Be safe and thank you 🙏🙏🙏

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Thank you, #Hero!

Thank you, #Hero!Night side Officer Roman was happy to reunite an important family member with their family tonight ... See MoreSee Less

2 days ago

3 CommentsComment on Facebook

Awesome👏👏👏👏👏👍😊

Good Bless you

Congratulations!

Congratulations!Congratulations to the South Suburban Association Chiefs of Police 2023-2024 Executive Board Members! #NOBLEProud ... See MoreSee Less

2 days ago
Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!Last year these three chose to fill out an application and toss their name into our candidate pool. Jump forward to today, they have completed their Field Training Program and start solo patrol, serving our awesome community. Congratulations to Officer Talg, Officer Frick and Officer Shoemaker. Thank you for choosing #Wausau! ... See MoreSee Less

2 days ago

1 CommentComment on Facebook

Congratulations 🎊

Welcome and thank you, K9 Batman and Officer Dillard! Stay safe!

Welcome and thank you, K9 Batman and Officer Dillard! Stay safe!Meet K9 Batman! K9 Batman is a German Shepard mix and is approximately 2 years old. His handler is Officer Dillard and he is one of our new Greene County Jail K9s.

K9 Batman is also featured on our newest Greene County Jail K9 Swag! This apparel can be purchased from The CrackerJack Shack using the link below!

www.crackerjackshack.com/gcsok9

This is a pre-sale. Orders will be produced and shipped after the selling period ends. A portion of every sale goes to the Greene County Sheriff’s Office K9 Unit.
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2 days ago

5 CommentsComment on Facebook

Salute💙🫡🫡🫡🙏🙏🙏🙏💙🫡🙏🙏

❤️

Ty

Looking Good. Now, Go get the Bad Guys and find all those Drugs.

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Welcome, K-9 Havik Officer Stockdale! Thank you! Stay safe!Image attachment

Welcome, K-9 Havik Officer Stockdale! Thank you! Stay safe! ... See MoreSee Less

2 days ago

5 CommentsComment on Facebook

Welcome! Congratulations on your new job! Stay safe!

Salute💙🫡🫡🫡🙏🙏🙏🙏🙏

Awesome duo 💙

Awesome

Beautiful 😍

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Rest in Peace, K-9 Rico. Thank you for your service, #Hero 
💙🐾Image attachment

Rest in Peace, K-9 Rico. Thank you for your service, #Hero
💙🐾
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2 days ago

4 CommentsComment on Facebook

So very sorry for ur loss💔may he rest in eternal peace over the rainbow bridge🙏🙏🙏🙏🙏💔💔💔

😢🙏🇱🇷

Thank you for your service. Rest in peace.

RIP Rico

Congratulations! Thank you! Stay safe!Image attachmentImage attachment+7Image attachment

Congratulations! Thank you! Stay safe! ... See MoreSee Less

2 days ago
Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!The Lovington Police Department would like to extend a warm welcome and introduce Officer Berenice Vega to our community.

Officer Vega was born in Jerecuaro Guanajuato, Mexico and came to the United States when she was 9 years old. Officer Vega graduated from Lovington High School in 2017 and was granted citizenship in 2018. Officer Vega will begin our Field Training Program and attend the Southeastern New Mexico Law Enforcement Academy at a later date.

We are delighted to have Officer Vega join our ranks at the Lovington Police Department!
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2 days ago
Thank you for 33 years of service!!Image attachmentImage attachment+5Image attachment

Thank you for 33 years of service!! ... See MoreSee Less

5 days ago

6 CommentsComment on Facebook

Thank you Sir for your service to your community..... Enjoy your retirement... God Bless you and your family.....

Congratulations

👏🇱🇷

Salute💙🫡💙🫡🙏🙏🙏🙏🙏💙💙💙💙💙🫡🫡🫡

View more comments

Thank you, SRO, Private Chestnut! Stay safe!

Thank you, SRO, Private Chestnut! Stay safe!Congratulations to our newly promoted School Resource Officer, Private Chestnut. Thank you for keeping us safe and mentoring our students. We appreciate you!
#schoolrescourceofficers #eastpointsc
West Columbia Police Department
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6 days ago

8 CommentsComment on Facebook

👏🇱🇷

Salute and Honor

Congratulations

Thanks prayers stay safe and well in Jesus name

Congratulations 🎊

Congratulations!!!👮🏿‍♀️👍

Congratulations lord keep her n r kids safe in this cruel world🙏🙏🙏🙏🙏🙏🙏💙🫡🫡🫡🫡💙💙

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Fact or Fiction: Credit

Belief: Cash is king; I have great credit because I pay cash for everything

Response:  Fiction

While it is a great idea not to buy things that you cannot afford, you have to actually establish and use forms of credit in order to earn a credit score.  The more often you demonstrate that you are responsible with the credit that you have been granted, the stronger your score will be and the better access to credit you will have.

There is a happy medium here.  It is not a good idea to try and establish all of your credit all at once and you certainly want to avoid opening up and trying to maintain too much credit.  A typical credit report will often contain a mortgage trade line, one or two auto trade lines, and two or three credit cards along with whatever previous credit you obtained and paid off or otherwise closed.  Establishing this type of credit will ultimately help you to build up your score as you make timely payments and pay down your debt levels while maintaining available credit sources.  As your credit history builds so will your score.

You should still use cash when it is comfortable for you to do so, just don’t expect to build up your credit score without first establishing a credit history.

Scott Arney
Chief Executive Officer
Chicago Patrolmen’s Federal Credit Union

Don’t forget, members of the Credit Union enjoy free and confidential Credit Counseling and Financial Planning through our Financial Planning and Education Center. We are here to assist you every step of the way.

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