The Fair Credit Reporting Act guarantees you FREE access to your credit report once every 12 months from each of the three nationwide credit reporting companies – Experian, Equifax, and TransUnion. Although there are many TV ads, email offers, and online search results that may tout “free” credit reports, there is only one authorized source for a truly free credit report. (Source: United States Federal Trade Commission, ftc.gov)
AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that is yours by law
It provides access to all the information in your credit file
It also maintains a record of everyone who has checked your credit report (lenders, insurance providers, etc.)
It’s a great way to identify areas of improvement, discover errors, and detect fraud
There are a variety of reasons your credit history may be checked – applying for a loan, opening an account with your electric company, renting an apartment, applying for a job, and more! The purpose of checking your credit history is to gain an understanding of your behavior, including your financial behavior. You can learn more about credit by visiting Experian.com. A few things you’ll learn on this website are:
The four elements of a credit report: identification, account history, public records (bankruptcy filings, court records of tax liens) and inquiries
Find out what to do if you have not established a credit history
Have a cosigner or authorized user added to the account
Apply for a secured credit card, which requires users to put up cash as collateral
How various life events impact your credit
Marriage or Divorce
Renting or Leasing
Making a Large Purchase
Financing a New Business
How to prevent fraud and identity theft
Improve your credit!
No matter what your credit score currently is, there is always room for improvement. Although the necessary steps for improving your credit are easy, it does take time. So the sooner you start, the better off you will be! For more information visit smartcreditmatters.com, a website created by our NVB credit card provider. A few things you will learn on this site are:
How credit scores are calculated
Why non-credit companies look at your score
How to improve your credit score
Show creditors you are responsible by paying your bills on time, every time
Building credit happens by using credit (wisely)
Never max out your cards
Pay more than just the minimum due on your card
Wait to apply for additional cards if you’ve recently opened one
Errors & fraud happen – catch it early by monitoring your credit report
What to do if your identity (personal information) is stolen
A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of northwest Missouri’s citizens for a century and a half. Click Here for more: https://www.nvb.com/
After a century and a half, Nodaway Valley Bank has become a household name in Northwest Missouri. Known by customers for mutual respect, fairness, and exemplary customer service, NVB has withstood the test of time by living up to the founder’s motto of “Safety & Dependability.”
Before the Wright brothers first flight, the first man on the moon, and the first pair of blue jeans, the bank was established as George S. Baker and Company. The original location opened its doors at the current Maryville location in 1868.
The bank would soon become known as Nodaway Valley Bank, when bought by James B. Prather and Theodore L. Robison in 1873. To this day, the Robison family continues to lead this progressive financial institution.
Nodaway Valley Bank—the original hometown bank—has survived many ups and downs. Through the Great Depression, two World Wars, floods and droughts, believing that what is good for their customer and what is good for the bank is one in the same. As we celebrate this milestone, we look to the future with hope and confidence.
A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of Northwest Missouri’s citizens for a century and a half.
Identity theft can cause more headache than you may realize. In fact, it can make it hard for you to put utilities in your name, get a job, rent an apartment, and more! It’s never too late to change your habits to protect yourself from identity theft. Learn more at consumer.gov, a website sponsored by the Federal Trade Commission.
Keep your financial records, Social Security and Medicare cards in a safe place
Shred papers and solicitations that have your account number, personal, or medical information listed
Take mail out of your mailbox as soon as you can
Only give your Social Security Number if you must, ask if you can use another kind of identification
Never give your financial or personal information to someone who calls or emails you
Watch your bills and account statements for transactions that were not done by you
Some other good resources related to Fraud and ID Theft
A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of northwest Missouri’s citizens for a century and a half. Click Here To Read More: https://www.nvb.com/
Nodaway Valley Bank 6304 King Hill Ave St. Joseph, Missouri 64504
FTC.gov/OnGuardOnline is a federal government website that was created to provide tips on avoiding scams, protecting your kids online, securing your computer, and being smart with what you do online. Stay up to date with current scams and other security information by reading on their online blog. Important information you’ll learn from this website:
How to safely dispose of old computers
Common tricks used by con artists to get money
How to talk to your kids and teenager about using social networks safely
How to safely shop online
Things to consider when signing up for high-speed Internet
How to establish parental controls to monitor / limit your kid’s online activity
How (and why) to secure your wireless Internet
Stop.Think.Connect. when using the Internet.
The Department of Homeland Security supports the Stop.Think.Connect campaign which is dedicated to educating the public on Internet safety and security. Visit dhs.gov/stopthinkconnect to learn the simple steps you can take to use the Internet safely at all times. A few things you will learn on this site are:
Stop: Before you use the Internet, take time to understand the risks and learn how to spot potential problems.
Stop hackers from accessing your accounts
Stop sharing too much information
Stop what you are doing if something doesn’t feel right
Stop and think about who can see the information you post online
Think: Take a moment to be certain the path ahead is clear. Watch for warning signs and consider how your actions online could impact your safety, or your family’s safety.
Think how your online actions can affect your offline life
Think before you act, don’t automatically click on any links
Think about who you are talking to online and if you really know who they are
Connect: Enjoy the Internet with greater confidence, knowing you’ve taken the right steps to safeguard yourself and your computer.
Connect over secure networks
Connect with people you know
Connect with care and be on the lookout for potential threats
Connect safely and show your friends and family how to behave online
A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of northwest Missouri’s citizens for a century and a half. Click Here for More Info: https://www.nvb.com/
Nodaway Valley Bank Observes 150th Anniversary in 2018
Although the actual date is not until December, Nodaway Valley Bank will be celebrating the 150th anniversary throughout 2018. On December 4, 1868, Maryville’s first bank, known as the George S. Baker & Co., Bankers, opened its doors for business on the site of the present bank on the southwest corner of Maryville’s town square at 3rd & Main Streets.
In 1873, James B. Prather, J. C. Waterman and Theodore L. Robinson acquired controlling interest in the bank and changed the name to Nodaway Valley Bank. Mr. Robinson was placed in charge of day to day operations, and a member of Robinson family has been at the helm since, with Chairman of the Board James G. Robinson representing the fifth generation.
During the first 26 years of its existence Nodaway Valley Bank operated as a private bank until applying for a state banking charter in 1894, now the fifth oldest bank charter in the State of Missouri. The bank joined the newly formed Federal Deposit Insurance Corporation in 1934.
Highly restrictive banking regulations and competing interests in the tightly built business district around the Maryville town square prohibited expansion beyond the second building on the site, erected in 1890. As drive-up banking became more popular, regulations were relaxed allowing Nodaway Valley Bank to construct the first stand-alone motor bank at 2nd and Buchanan Streets in 1965.
The second banking house on the original site was replaced by a larger, modern building in 1966. That structure was totally renovated and expanded again in 2000 as the present banking house.
By 1971, the bank’s resources topped $15 million. State banking laws were further relaxed that year, allowing construction of branch facilities within 2.25 miles of the main banking house. Nodaway Valley opened a second facility at 1303 S. Main in 1973, which underwent a total makeover last year. Nodaway Valley Bank was also the first bank in Nodaway County to offer ATM service.
Although banking regulations prohibited the bank from expanding beyond Nodaway County, Nodaway Valley Bank’s resources topped $166 million by 1990. Nodaway Valley Bank took advantage of new rules allowing additional facilities in contiguous counties by opening a facility in Savannah, followed by expansion into the St. Joseph market in 1995. During the next five years, the bank’s resources increased to $350 million.
In response to customers having to take more financial responsibility for their retirement, Nodaway Valley Investment Services was formed in 2002 to provide comprehensive financial planning and brokerage services. In 2003, the bank opened a new facility at Riverside Road and Mitchell Avenue in St. Joseph and acquired Heritage Bank, creating the largest privately owned and managed bank in northwest Missouri with assets in excess of $541 million.
In 2006, the bank completed construction of two new facilities in Savannah and Belt & Faraon in St. Joseph. In 2007, the Exchange Bank of Mound City was acquired, providing nine full service locations in four communities. The bank’s resources topped $853 million at the end of 2017.
As part of its 150th anniversary, the bank has introduced a new logo, a revised website formatted for mobile banking and a media campaign.
“We’re going to have some fun with some of the things that have happened over 150 years,” commented Chairman Robinson, “such as how suckers we’ve given away and some strange loan requests that might have popped up.”
A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of northwest Missouri’s citizens for a century and a half. Click Here for more: https://www.nvb.com/
Nodaway Valley Bank 4001 N Belt Hwy St. Joseph, Missouri 64506
Although the actual date is not until December, Nodaway Valley Bank will be celebrating the 150th anniversary throughout 2018. On December 4, 1868, Maryville’s first bank, known as the George S. Baker & Co., Bankers, opened its doors for business on the site of the present bank on the southwest corner of Maryville’s town square at 3rd & Main Streets.
In 1873, James B. Prather, J. C. Waterman and Theodore L. Robinson acquired controlling interest in the bank and changed the name to Nodaway Valley Bank. Mr. Robinson was placed in charge of day to day operations, and a member of Robinson family has been at the helm since then, with Chairman of the Board James G. Robinson representing the fifth generation.
Theodore L. Robinson was an 11 year old orphan living with his grandparents when they moved to Buchanan County in 1844. Because his grandfather was unable to work their farm, young Robinson went to work at the Mansion House in St. Joseph where his industriousness caught the attention of one of the borders, pioneer merchant John Curd, who offered young Robinson a job in his dry goods store and the opportunity to attend school.
After his plans to cash in on the Gold Rush failed, Robinson reentered employment with Curd who sent him to Maryville in 1857 to set up and manage a general store. Robinson eventually bought the store and opened a lumber yard. He sold both business in order to buy an interest in the bank.
During the for the first 26 years of its existence, Nodaway Valley Bank operated as a private bank until applying for a state banking charter in 1894, now the fifth oldest bank charter in the State of Missouri. The bank joined the newly formed Federal Deposit Insurance Corporation in 1934.
Although it was a relatively small bank for many years, Nodaway Valley Bank was progressively managed, being one of the first bank in the area to employ an agricultural advisor. The bank is one of the largest agricultural lenders in the region with eight experienced agricultural lenders, several of whom farm as well.
Nodaway Valley Bank has weathered several economic downturns over the course of 150 years. According to Chairman Emeritus Theodore G. Robinson, the bank experienced growth during more recent agricultural downturns. Instead of acquiring troubled competing banks, Nodaway Valley Bank picked up dislocated customers from those banks which were unable to continue lending.
“Nodaway Valley Bank has always focused on customer relationships,” Robinson said, “and in some cases, we would have never otherwise had the opportunity to acquire that business. It has allowed us to grow with our customers.”
As a unit bank, state banking regulations prohibited Nodaway Valley Bank from expanding beyond Nodaway County until 1990, when the bank opened a branch in Savannah, followed expansion into the St. Joseph market in 1995, when the bank built a new 9,300 square foot building at the North Belt and Cook Road.
In addition to providing an opportunity to diversify its loan portfolio, the bank’s resources increased 63%, growing from $215 million to $350 million in five years.
In response to customers having to take more financial responsibility for their retirement, Nodaway Valley Investment Services was formed in 2002 to provide comprehensive financial planning and brokerage services. In 2003, the bank completed construction of a new facility at Riverside Road & Mitchell Avenue and acquired the Heritage Bank of St. Joseph, creating the largest privately owned and managed bank in northwest Missouri with assets in excess of $541 million.
In 2006, the bank completed construction of two new facilities in Savannah and at Belt and Faraon in St. Joseph. In 2007, the Exchange Bank of Mound City was acquired, providing nine full service locations in four communities. The bank’s resources topped $853 million at the end of 2017.
As part of its 150th anniversary, the bank introduced a new logo, and a revised website formatted for mobile banking and a media campaign.
“We’re going to have some fun with some of the things that have happened over 150 years,” commented Chairman Robinson, “such as how many suckers we’ve given away and some strange loan requests that might have popped up.” Read More: https://www.nvb.com/
A bank with family values! We have been locally owned and managed since 1868. NVB has been serving the needs of northwest Missouri’s citizens for a century and a half.
Nodaway Valley Bank 6304 King Hill Ave St. Joseph, Missouri 64504
Wet basements are an unpleasant problem. Water can trigger mold and mildew, causing awful smells and weak walls. Water can also cause cracks in your structure. What's the finest way of resolving this problem? Do not try to fix it yourself. You'll just end up with a bigger mess. Rather, employ a company to do basement waterproofing and keep wetness out.
It ought to go without stating that the business needs to be qualified to do the job. Inspect to make sure your crew is certified and has insurance to cover any accidents. You're most likely to get quality work out of a professional company than an unregistered organisation. You would like to know that the company you're working with does not stop when the going gets tough.
You can discover scores on sites and request for referrals. You want a business that will work within your methods, but cost shouldn't be the only element in picking the very best waterproofing company. You want somebody who stabilizes great work with good pricing. Last, but not least, you wish to make certain that the contractor can handle the task at hand.
How Do I Find A Basement Wall Repair Service
You want to know that they can repair any issues that come up. They should also have the needed tools for the type of work your basement requires. Different procedures need different techniques. They must have the ability to complete the task without the delay of browsing out the tools they need.
Basement Water Proofing
Uh-oh. There's a puddle on the basement floor. A big one. And it's not the first one, either. All the excuses have actually been utilized up. It can't be postponed any longer. The basement needs to be fixed and a basement waterproofing specialist is required to fix it. OK, that's one big decision in the bag.
Not just those contactors however likewise the one on Angie's List, the one that provides a list of recommendations and the one that provides complete service. Confusing? Let's clear it up. One of the numerous benefits a contemporary homeowner has when it concerns discovering items and services for the house is easy access to information.
Who Has The Best Basement Wall Repair Service
Basement Water Proofing
Specialists and other companies, too, have found out that being forthcoming with information useful to prospective clients is really a competitive benefit and company websites, blogs and Facebook pages are fantastic sources for the homeowner. So, with all this info available, what is essential in choosing a basement waterproofing professional? Nobody can provide a much better viewpoint on a contactor's performance than a previous customer.
Obviously, the specialist will not provide any negative referrals so that's where the remarks sections on Facebook and Angie's List may reveal the other side of the coin. Mentioning Angie's List, it has actually ended up being a vital resource for house owners searching for painters, roofing professionals, landscapers and basement waterproofing professionals. Membership does need a cost but only a customer can pay their way on to the list specialists arrive based upon service and feedback from members.
Basements can leak water in a variety of methods and each method requires a different repair work technique (Limestone Basement Wall Repair). There are basement waterproofing specialists that provide just one service, usually drain pipes tile, that can't attend to any other problems. Try to find a contractor that uses a complete range of services; no matter what the problem, they can fix it.
What Is The Best Basement Wall Repair App
This becomes essential when considering the guarantee used by a specialist. Many basement waterproofing contractors will provide a lifetime warranty on services like crack repair work and interior drain tile and minimal service warranties on outside repair work and other work. If the professional is out of business 6 months later, nevertheless, any warranty is useless.
There are other ways, too, like talking with other property owners, trying to find Better Business Bureau ratings and market acknowledgment. Despite how the research is done, doing it thoroughly ought to result in a delighted homeowner with a dry basement. At U.S. Waterproofing, we have been keeping basements dry in the Chicago area for more than 56 years.
We are a full-service basement waterproofing contractor with more than 300,000 satisfied consumers, so why not ask for our totally free suggestions when looking for a basement waterproofing professional? Ready to begin? simply enter your zip code: Tags: basement waterproofing specialist, pick basement waterproofing professional - Denver Residential Basement Wall Repair.
Who Is The Best Basement Wall Repair Company
As an experienced waterproofing company, Ingenious Basement Authority assists property owners resolve their basement problems quick. We have more than 10 years of experience in the market and have actually been acknowledged by the BBB for our service and craftsmanship. We are well-known locally for our distinct waterproofing items, customized designed to work well in any home.
If you're concerned that wetness is negatively affecting your basement, Innovative Basement Authority can check the area and choose the very best strategy. We provide totally free examinations and approximates schedule yours today! Call us at 320-515-2200 or click the button below to send us an email. Your moist or wet basement can cause more than simply a headache; these issues can develop larger issues like mold, mildew, rot, structural damage, and a range of illness.
Wet or damp basement flooring Leaking or damp basement walls Pooling or standing water crystalline deposit on concrete surfaces Moldy smells Condensation Sump pump problems Leaky basement windows Our complete basement waterproofing system consists of all the services you need for a dry, comfortable, odor-free basement; no matter what's causing your issues.
How Much Does A Basement Wall Repair Cost
We think you be worthy of only the very best. For your comfort, our basement waterproofing system includes a Life time Guarantee that is transferable when you sell your house. We have a team of extensively trained basement repair professionals who can deal with you to discover the very best solution for your home's basement.
We will send out among our qualified basement waterproofing specialists to visit your house and perform a thorough assessment of your home's basement foundation. Innovative Basement Authority fixes leaky basements in Minnesota, North Dakota and Eastern Montana, in areas like Eden Grassy field, Saint Cloud, Bismarck, Minot, Anoka, Andover, Grand Forks and surrounding towns and cities.
When hiring a business for basement waterproofing, location and licensing must be crucial factors. Preferably, clients should work with a service headquartered close to home and reputable in the location as that will make dealing with issues much easier. Most companies have actually a designated service location and might charge additional for those outside that geographical range.
What Is The Best Basement Wall Repair Product
With such business, clients should be additional mindful when working with, as less managerial oversight can cause poorer service. Property owners ought to validate services and professionals are properly accredited, bonded and guaranteed in their city. Before working with a service for the job, get several complimentary price quotes. There are a couple of other pricing factors to comprehend prior to choosing a company as well.
Other costs may be included on top of that, such as equipment and parts, product setup, labor and refinishing. Basement waterproofing ranges from as low as $200 to $500 for minor repairs and can be as high as $2,000 to $20,000 or more for thorough repairs. Many companies use annual waterproofing upkeep at a sensible rate, so ask any prospective business about their assurances.
