Emergency :
911
Suicide/crisis :
988
HERO support :
855-400-9185

Emergency :

911

Suicide/crisis :

988

HERO support :

855-400-9185

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Benefits with HII

Your HERO program offers these great resources.

Explore more about Credit through these resources

Read articles on Credit below

23 articles found

Building a Better Credit Report (Part 1)

A credit report includes information on where you live, how you pay your bills, and whether you've been sued or have filed for bankruptcy.

Building a Better Credit Report (Part 2)

Both the credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information in your report once you bring it to their attention.

Building a Better Credit Report (Part 3)

A credit reporting company can report most accurate negative information for 7 years and bankruptcy information for 10 years.

Building a Better Credit Report (Part 4)

Unlike a credit freeze that locks down your credit, a fraud alert allows creditors to get a copy of your credit report as long as they take steps to verify your identity.

Building a Better Credit Report (Part 5)

Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance.

Building a Better Credit Report (Part 6)

Many people face a financial crisis at some point in their lives. But often, it can be overcome.

Child Identity Theft (Part 1)

You can take steps to protect your child's identity from misuse.

Child Identity Theft (Part 2)

You can take steps to protect your child's identity from misuse.

Child Identity Theft (Part 3)

You can take steps to protect your child's identity from misuse.

Choosing a Credit Counselor

Are you living paycheck to paycheck? Are you worried about debt collectors? If this sounds familiar, you may want to consider the services of a credit counselor.

Credit Card 101 for College Students

Making sure you don't get into trouble with credit cards requires some careful planning and monitoring.

Credit Cards

A credit card lets you buy goods and services on credit, with the promise that you will pay the issuer the amount you borrowed.

Credit Rights

Credit is the opportunity to borrow money from a bank, credit union, finance company, store or credit card issuer to make a purchase.

Credit: How to Get It and How to Improve It

Financial institutions will typically want to see at least 6 months of credit history before they will grant any type of credit-based products.

Dealing with Debt

Learn about common debt problems, including filing for bankruptcy.

Debt Management Plans

If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in a debt management plan (DMP).

Debt Relief or Bankruptcy?

Has debt got you down? You're not alone.

Disputing Inaccurate Credit Information

The first step is to tell the consumer reporting company, in writing, what information you think is inaccurate.

General Debt Management Techniques

Very few people are lucky enough to be living debt free. The key is to manage your debt so that it does not get out of control.

Knee Deep In Debt (Part 1)

Many people face financial crises at some time in their lives. Your financial situation doesn't have to go from bad to worse.

Knee Deep In Debt (Part 2)

You may be able to lower your cost of credit by consolidating your debt through a second mortgage or a home equity line of credit.

Learn To Pay Less for Loans

A credit report provides a record of your history of paying loans and bills, including any late payments.

The Teenage Years, or "What Happened to My Kid?"

Parents of teenagers need to be aware of the survival strategies and coping techniques that can be very helpful during the turbulent teen years.