Tag Archives: PSECU

City announces date, route of 2017 holiday parade

Food trucks, music and inflatable gingerbread men are all on the agenda for this year’s holiday parade, which will take place on Saturday, Nov. 18 in downtown Harrisburg.

Mayor Eric Papenfuse announced details of the parade at a press conference this morning, which took place in city hall and featured a guest appearance by Santa Claus.

The parade will begin at noon and continue until 3 p.m., rain or shine. It will begin on Market Street then travel up 2nd Street and on to North Street. The route will continue on Front Street and conclude on City Island.

The parade will feature giant inflatables from Big Events, an international provider of parade balloons. Local marching bands and dance teams will provide entertainment, and hungry parade-goers can avail themselves of food trucks parked on Market Street.

The afternoon’s festivities will be broadcast on Channel 20. Residents who don’t want to brave the cold can join the after-party at Strawberry Square beginning at 3 p.m.

There, they can visit with Santa, enjoy holiday cookies and hot chocolate, and watch encore performances from the step teams, drill teams and marching bands that participated in the parade. PSECU will offer prize money to the best teams as picked by a panel of judges.

Visitors who drive to watch the parade can get four hours of free parking by using the promo code LUVHBG on the ParkMobile app. The Market Square garage will also offer a $10 flat rate special for parade day.

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August News Digest

Councilman Baltimore Resigns

Harrisburg City Councilman Jeffrey Baltimore resigned last month from Harrisburg’s seven-member City Council.

In his resignation letter, Baltimore said he made a “difficult” decision after “person reflection” and “deliberation with his family,” according to Joyce Davis, the city’s communications director. He further said that he was “proud” to have served with “a creative, talented, caring and enthusiastic team” on council, Davis stated.

Baltimore was appointed to his council seat in 2014 following the death of Councilwoman Eugenia Smith. The next year, he was elected to a four-year term.

Baltimore has chaired both the Public Safety Committee and the Community & Economic Development Committee.

“Councilman Baltimore was a great asset to Harrisburg City Council,” said Council President Wanda Williams. “He is very passionate about public service, community development and an outstanding role model to the youth of our city. On behalf of City Council, we wish him the best in his future endeavors.”

Council now must pick a replacement for Baltimore. Council members have begun accepting applications to fill the vacant seat. The person selected will serve until January, and an election for a two-year council term will take place in November.


Security Camera for Midtown

A wireless security camera will be coming soon to Harrisburg’s Midtown neighborhood, as a community group last month received a grant to extend the city’s video surveillance system.

Midtown Action Council (MAC) announced it received a $15,000 grant from the Pennsylvania Commission on Crime and Delinquency to help fund the extension of Harrisburg’s wireless security infrastructure to N. 2nd and Forster streets. Currently, the system’s downtown component ends at 2nd and Pine streets.

“Safety is our No. 1 priority as a community group, and it’s on the mind of every resident in Harrisburg,” said MAC President Jonathan Hendrickson. “This grant will help us access the infrastructure we need to eventually place wireless security cameras in the neighborhood.”

Before the system can be installed, MAC must raise $4,120 in matching funds. However, the organization is confident it can secure the funding for deployment this fall, said Dan Fulton, MAC’s secretary/treasurer.

In 2013, Harrisburg began deployment of a wireless security infrastructure, including 10 cameras downtown, Uptown and on Allison Hill, which allow city police and Dauphin County to conduct real-time surveillance. The $425,000 system was funded by Dauphin County’s Crime Task Force.

In Midtown, the first wireless camera will be installed facing north on 2nd Street, from the intersection with Forster Street.

Fulton said this project “sets the stage” for future wireless cameras to be installed strategically through Midtown.

“This is just a first step, but it’s arguably the most important step because it gives us a foundation to build on,” Fulton said.

 

Airbnb Confab

Proponents and opponents gathered last month in Harrisburg’s Government Center at a city-sponsored meeting on all things Airbnb.

Harrisburg officials hosted the gathering to hear from a select group of business owners, as to how—or if—the city should regulate the run-your-own hospitality service.

“We’re here tonight to take information from you, the current operators,” said Michael Hughes, Harrisburg’s tax and enforcement administrator.

Over 90 minutes, Hughes and other officials, including Fire Chief Brian Enterline, Planner Geoffrey Knight and Solicitor Neil Grover, heard arguments for and against so-called short-term rentals, which include Airbnb and other Internet-based room reservation services. The wide-ranging discussion included such issues as zoning, taxation and safety.

Dee Fegan, chair of the board of the PA Association of Bed & Breakfast Inns, was the first to speak up, objecting that Airbnb hosts do not currently pay the Dauphin County hotel tax or, in many cases, other taxes, such as sales and mercantile taxes, which apply to traditional B&Bs.

“I just want to point out that rules are already in place,” she said. “It’s just up to people to follow them.”

Ted Hanson, who owns a short-term rental on Boas Street, said that he long has leased out his two-bedroom Airbnb house, which is next door to his own home, on an annual basis, but now is just renting it in a different way. Besides, he said, he’s helping to stimulate the local economy.

“I feel like I’m doing a service for the city,” he said. “I send people to businesses all over Midtown.”

Following the meeting, Hughes said the city now needs to ponder what changes, if any, to make to laws and regulations to accommodate short-term rentals. He’d like any changes to take effect on Jan. 1.

“Airbnbs were never contemplated when the rules were passed,” Grover said. “Now, we have to answer the question—do those rules apply or not?”


Home Sales Flat

The region’s hot real estate market took a breather in July, with sales nearly flat compared to last year.

Residential sales totaled 936 units, two fewer than in July 2016, according to the Greater Harrisburg Association of Realtors. The median price rose to $180,000 from $175,500, GHAR said.

In Dauphin County, sales actually increased to 317 units in July versus 308 the year earlier, with the median price jumping to $164,900 compared to $155,900 in July 2016. Notably, average days on the market fell markedly to 44 days from 72.

Cumberland County sales decreased to 323 units versus 374, though the median price rose to $199,900 compared to $190,000 in the year-ago period. In Perry County, sales totaled 52 units, a rise from 34 units, with the median price falling to $164,000 versus $187,400 in July 2016.

GHAR covers all of Dauphin, Cumberland and Perry counties and parts of York, Lebanon and Juniata counties.
 

So Noted

BI Solutions has received the 2016 Admiral Stanley R. Arthur Award for Logistics Excellence for its work on behalf of the U.S. Navy. The Harrisburg-based company is the prime contractor of the LOGCELL project, which supports the P08A Poseidon, the Navy’s maritime, patrol and reconnaissance aircraft.

Harrisburg International Airport announced last month that it will receive a $10.9 million grant from the Federal Aviation Administration. HIA said it will use the funds to rehabilitate the airport’s primary runway, prolonging the life of the pavement, replacing centerline lights, upgrading lead-on lights, reconfiguring the Surface Movement Guidance and Control System and upgrading runway surface monitoring equipment.

Mecum Auctions reported $20 million in sales last month from its fourth trip to the PA Farm Show Complex. The company said the highest bid came in at $415,000 for a 1970 Plymouth Hemi Superbird. More than 20,000 people, including spectators, bidders and consignors, attended the show.

Penwell Bowman + Curran LLC, a newly formed law firm, opened last month at 215 Pine St. in Harrisburg. Scott Penwell, Brandt Bowman and Matthew Curran are the founding partners of the firm, which specializes in business law.

PinnacleHealth plans to open a primary care doctor’s office inside Strawberry Square in downtown Harrisburg, according to the company. The 3,000-square-foot office, located next to Rite Aid, will have six exam rooms, a community/conference room, a patient check-in and waiting area, a laboratory area and several offices. It is expected to open in mid-November.

S&T Bancorp this month will complete the final stage of its acquisition of Integrity Bank. As of Sept. 5, all Integrity Bank branches will make the name change to S&T Bank.

Sara K. Weiser, PSECU financial education manager, was recently honored by Junior Achievement USA with a 2016-17 Bronze Leadership Award. This award recognizes people in the community who have demonstrated a sincere commitment to JA’s mission of inspiring and preparing young people to succeed in a global economy.

Visit Hershey & Harrisburg is the new name of the Hershey Harrisburg Regional Visitor’s Bureau. The organization changed its name to offer better and more consistent brand identity, said President Mary Smith.

Wildwood Park is seeking applications for its 2018 “Art In The Wild” environmental art exhibit, with the theme of “Natural Abstraction.” Most of the materials used for the installation should be natural. Exhibit applications and information can be found at wildwoodlake.org.


Changing Hands

Barkley Lane, 2505: E. & I. Gonzales to Y. White, $71,000

Berryhill St., 1944: G. Domon to E. Cruz, $72,900

Berryhill St., 2334: S. Kemble to W., J. & J. Morrow, $35,000

Caledonia St., 1921: M. Schreck to Cardinal Investments LLC, $32,000

Conoy St., 108: P. Marks to D. Noll, $114,000

Cumberland St., 272: M. Walsh to B. Hall & K. Humen, $128,000

Derry St., 2426: S. Rimal to P. & C. Ambrose, $38,000

Edgewood Rd., 2301: D. Butler to New Holland Enterprise Management LP, $144,000

Ellersie St., 2350: B. Fuhrman to PA Double Deals LLC, $44,000

Elm St., 1707, 1709 & 1711; and 1706 & 1708 Walnut St.: I. Cox to Q. Webster & N. Brunner, $45,000

Emerald St., 248: M. Chapman to C., A. K. & K. Thompson, $80,000

Forster St., 216: Thomas Mark Mustio Trust to F. Farry & K. Erway, $115,900

Green St., 1730: A.J. Fedore and Co. Inc. to T. Zingman, $199,000

Green St., 1816: G. Brown to D. Leaman, $92,500

Green St., 1938 & 1940: I. Brea & O. Sanchez to D. & C. Varno, $212,000

Green St., 2011: M. & E. Hunter to E. & S. Orndorff, $225,000

Green St., 2022: Cartus Financial Corp. to M. Crider, $224,000

Green St., 2152: Kusic Financial Services LLC to J. Barker, $54,308

Green St., 2438: Federal National Mortgage Assoc. to R. Diggs Jr., $60,500

Harris St., 240 & 242: David Kaminski IRA to Heinly Homes LLC, $215,000

James St., 1315: W. Cropper to J. Brinks & C. Wise, $40,000

Kelker St., 425: Wells Fargo Bank NA to D. & K. Steiner, $95,000

Maclay St., 330: A. Clay to Keystone Properties Group LLC, $35,000

Mercer St., 2430: M. Janos to PA Deals LLC, $40,000

Midland Rd., 2316: J. & S. Kalnasy to S. Agyeman, $280,000

Muench St., 276: K. Lannon to S. Garraty, $122,000

N. 2nd St., 607: Bricker Boys Partnership to DelPenn Partners LLC, $335,000

N. 2nd St., 2241: D. Kray to K. Shubert & L. Christopher, $165,000

N. 2nd St., 2345: L. Whitcomb & M. Quinn to L. Vaughan & M. Henry, $193,000

N. 2nd St., 2410: C. Bennet to M. Sheaffer, $167,000

N. 2nd St., 2534: J. Erb to M. Tuck, $149,900

N. 3rd St., 1308 & 1310; 1313 & 1315 Green St.; and 1318 Susquehanna St.: P. & M. Navarro to James Family Holdings, $415,000

N. 3rd St., 1615: Joshua Group to Heinly Homes LLC, $75,000

N. 3rd St., 1623½: G. Neff & J. Shopf to Heinly Homes LLC, $75,000

N. 3rd St., 1625: Gary Neff Inc. to Heinly Homes LLC, $75,000

N. 3rd St., 2116: Katamin Properties LP to N&R Group LLC, $47,500

N. 4th St., 1644: 1515 Associates to Z. & L. Engle, $57,500

N. 4th St., 2452: V. Burkholtz & D. Cooper to Lifeline 1 LLC, $47,000

N. 5th St., 1702A: V. Dincher to S. Kent, $82,000

N. 6th St., 3001: R. Vogel to B. Yanez, $75,000

N. 7th St., 2632: P. Chacon to T. Krone, $62,000

N. 18th St., 714: C. Frey to E. Sanchez & R. Hidalgo, $36,900

N. Cameron St., 1914: J. Pagliaro to E. Maher, $98,500

N. Front St., 1525, Unit 212: T. Grumbine to D. Taylor, $142,000

N. Front St., 1525, Unit 213: L. Mundy to B. Esworthy, $85,000

Penn St., 1928: LSF9 Master Participation Trust to S. Burgin, $125,000

Race St., 554: N. Batholomaei to T. Corl, $125,000

Reily St., 210: P. & H. Jackson to J. Manzella, $103,000

Rudy Rd., 2017: A. Meppurathu to A. Saldana, $177,900

Rudy Rd., 2307: C. & E. Kerns to J. & K. Klein, $162,000

South St., 110: E. Comp to M. O’Neill, $110,000

S. 13th St., 445: RWM Properties LLC to H. Yap, $59,900

S. 13th St., 30; and 401 & 403 S. 14th St.: San Pef Inc. to Round Rock Investments LLC, $226,000

S. 18th St., 1304: S. Lee to H. Noh, $120,000

S. 19th St., 1215: F. & B. Matjasic to C. Turner, $102,300

S. Front St., 573: T. & C. Hinkson to B. & K. Crews, $144,900

S. Front St., 577: E. Taylor to M. Kuhns, $139,900

S. Front St., 633: T. Imswiler & H. Jones to S. & P. Benjestorf, $90,000

S. Front St., 635: T. Imswiler & H. Jones to S. & P. Benjestorf, $90,000

S. Front St., 705½: J. Foreman to J. & A. Juratovic, $125,000

Susquehanna St., 1610: S. Uhrinek to D. Lawyer & S. Flagle, $156,000

Susquehanna St., 1839: J. Cremo to S. Conover, $104,000

Tuscarora St., 104: J. Jones to S. Muniz, $189,900

 

Author: Lawrance Binda

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Strawberry Care: PinnacleHealth to open doc’s office in Strawberry Square.

PinnacleHealth Strawberry Square Family Care will occupy these storefronts next to Rite Aid.

At Strawberry Square, you can grab a bite to eat, buy a greeting card, deposit a check, get a latte, even rent an apartment.

And, come this fall, you’ll be able to get that bruise checked out or find out what’s wrong with your aching knee.

Around mid-November, following a build-out, PinnacleHealth plans to open a 3,000-square-foot primary care medical office, appropriately right next to the new Rite Aid store.

“I don’t remember the last time a family doctor’s office opened in downtown Harrisburg,” said Brad Jones, president and CEO of Harristown, which owns Strawberry Square. “This is one more thing that will make your life easier if you live or work here.”

PinnacleHealth Strawberry Square Family Care will feature six exam rooms, a community/conference room, a patient check-in and waiting area, a laboratory area, and several offices. Six to eight employees are expected to staff the office at any one time, Jones said.

“PinnacleHealth is pleased to bring this full-service primary care practice to the community,” said Robert Nielsen, president of PinnacleHealth Medical Group. “We have a long-standing commitment to the health and well-being of the city, and providing patient-centered, integrated care reflects our focus on offering easy access to the right care when and where patients need it.”

The Pinnacle facility will take the space long occupied by Modern Jewelers, which is relocating just across the atrium, next to the PSECU branch, said Jones.

The new medical office continues the recent transformation and modernization of Strawberry Square.

This fall, an urban-style market, Provisions, will open on the N. 3rd Street side of Strawberry Square, and, at 3rd and Market streets, Freshido, a 2,200-square-foot fast-casual Asian restaurant, will debut in space once occupied by Plum Sports. Last year, numerous new businesses opened in Strawberry Square, including Fresa Bistro and the Flats at Strawberry Square, the first apartments in the building.

Click here for more information about Strawberry Square.

Author: Lawrance Binda

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Holiday Hoopla: Harrisburg’s Annual Parade Set for Tomorrow

ParadeWeb

Put on your Santa hat and grab a hot cocoa–it’s almost time for Harrisburg’s annual holiday parade.

The 2016 parade, with a theme of “Making the Season Bright,” steps off tomorrow at noon from City Island with a long line of bands, floats, balloons, vintage cars and, of course, Santa. Participants will march up Market Street, turn on 2nd Street, make another turn on North Street, then follow Front Street back.

“This year’s parade will be very exciting,” said Mayor Eric Papenfuse. “We are anticipating a large crowd to join us along the parade route for this year’s holiday parade.”

Besides the marchers, food trucks will set up on Market Street between Front and 2nd streets.

Free parking will be available at the Market Square garage  from 9 a.m. to 8 p.m., which is sponsored by PSECU. In addition to free parking in the garage, parade attendees can utilize the Pango App and get up to 4 hours of free street parking using the “LUVHBG” code.

The Market Street Bridge will close at 8:15 a.m. on Saturday. Parade participants will be able to enter City Island from the West Shore. N. Front Street will close at 10 a.m. from Forster to Market streets. 2nd Street from Chestnut to North streets will be closed from 10 a.m. to 3:30 p.m. Traffic will detour east on Forster Street to N. 7th Street, south on 7th Street to Walnut Street, west on Walnut Street to N. 3rd Street, south on 3rd Street to Chestnut Street back to Front Street.

After the parade, the festivities move to Strawberry Square for hot chocolate and the awards ceremony. Trophies will be awarded to the top dance, step and drill team units, and cash prizes will be given to the top high school marching bands.

“I would like to especially thank our title sponsor, the Hershey Harrisburg Regional Visitors Bureau and our gold sponsor, PSECU.” Papenfuse said. “Without their support, we would not be able to put together this wonderful event.”

Author: Lawrance Binda

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Grounds for Change: Before long, the sprawling State Hospital site will hit the market, and that has some people concerned.

Screenshot 2014-12-29 08.58.29Dick Norford has led hundreds of bicyclists on Greenbelt rides, and newbies always have the same reaction when the trail crosses into the lush grounds of the former Harrisburg State Hospital.

“They’re absolutely in awe that there’s that much green space right in the middle of the city, right next to one of the busiest roads in the city, with Cameron Street and that huge parking lot for the Farm Show building, and how close it is to Interstate 81, and yet here’s these hundreds of acres of green just sitting there,” says Norford, a spokesperson for the Capital Area Greenbelt Association and president of Bicycle South Central PA.

The verdant slopes and tall trees of the former State Hospital grounds are open to the public but largely unknown. Now, the state is preparing to sell several hundred acres of the largely undeveloped grounds, and the pending sale raises questions.

Is the State Hospital’s emergence into the light of day a blessing or a curse? Is it time for a hidden gem to take on a larger role as community asset? Will the sylvan setting be lost to developers hungry for rare urban acreage off an interstate highway? Can a local coalition help balance the preservation of natural and historic assets with the site’s economic development potential?

Tremendous Space

The Pennsylvania State Lunatic Hospital was founded in 1845, after reformer Dorothea Dix crusaded for humane treatment for the mentally ill. Her self-sustaining city offered peaceful, rolling hills, secluded from the capital city that would grow up near its boundaries. Even as government peeled off pieces of the 1,000-acre grounds for agency offices and the Farm Show complex, the State Hospital’s original core remained largely untouched.

Today, employees from the state Department of Public Welfare, Pennsylvania State Police and Department of General Services work in the old buildings, in what’s known as the DGS Annex, but they’re slated to exit for new digs at Strawberry Square’s Verizon Tower in 2016.

Before the land can go up for sale, possibly not until mid- to late-2016, DGS must develop a plan for legislative approval, recommending how to parcel it off.

“We’re at the very beginning of this process, and a lot of things have to take place before any sale could happen,” says DGS spokesperson Troy Thompson.

The targeted area includes part of the Capital Area Greenbelt. It also includes about 30 buildings from the original asylum and 183 acres in a surrounding arboretum that won National Register Historic District designation in 1986.

As news of the pending sale began to spread in early 2014, a Committee for the Future of Harrisburg State Hospital emerged to promote a balance of historic and environmental preservation with economic development.

The site’s original obscurity was, by design, to create “a refuge and an enclave” for the mentally ill, says David Morrison, interim executive director of Historic Harrisburg Association, a CFHSH leader. Maybe, adds Harrisburg historian and coalition member Jeb Stuart, a certain mystery has kept the site “not on the public radar. It’s a tremendous space, but it’s never been marketed, never been promoted.”

The site’s obscurity also explains why the Capital Area Greenbelt winds through it today, says Norford. Completion of the original Greenbelt, begun in the early 20th century, stalled before it could circle the city, he says. By the 1990s, the reborn Capital Area Greenbelt Association, striving to close the loop, sought out lands that had escaped the march of post-war development. The pristine State Hospital grounds helped close a gap from Reservoir Park to Wildwood Park.

“I don’t know if it’s been preserved or ignored or sacred ground,” Norford says. “At the end of the day, it was preserved.”

But even Norford, a self-described “student of the Civil War,” hadn’t known of the site’s pre-Civil War origins or its role as a kitchen for Union soldiers training at nearby Camp Curtin until he got involved in CFHSH.

A 60-foot easement protects the Greenbelt from development. On the buildings and grounds with National Register designation, private owners would face restrictions only if they sought public funding or federal or state permits. But large tracts remain available outside the green and historic sections, and the CFHSH hopes for a mindset that rises above restrictions and views development “through the lens of future opportunity,” says Morrison.

Perhaps “the stigma of being an off-limits institution” could be lifted by transferring recreation areas to Dauphin County or Susquehanna Township, where much of the land is situated, says Morrison. The CFHSH also hopes the state will declare the National Register portion eligible for federal historic rehabilitation tax credits.

“There are companies all over the country that look for these opportunities,” says Morrison. Pair up reuse of the historic portion with development of the non-historic areas, and “the net benefit to the region, to the community, to the municipalities, to the general public is enormous.”

“We’re not only not wringing our hands over the sale of this property, we’re saying it offers tremendous potential benefit,” says Morrison.

The sale offers “an exciting project from an aerial perspective,” says Chuck Heller, senior associate with Landmark Commercial Realty, based in East Pennsboro Township. “You have 600 acres there at the crossroads of 322 and 81 and quick access to downtown Harrisburg, the Farm Show complex.”

Many Uses

Other area developments, such as TecPort near the Harrisburg Mall and Rossmoyne in Upper Allen Township, have successfully converted open space into bustling commercial spots, with such uses as high-end office, research and development and warehousing, Heller says.

At the State Hospital grounds, “There’s going to be a lot of people pushing for large, big-box industrial,” Heller says. “That is a perfect location, but there’s enough for many uses.”

The site’s development potential far exceeds the vacant lots and buildings of nearby Cameron Street, Heller says. There, city taxes, flooding risks, low ceilings and brownfield remediation hinder reuse. The State Hospital grounds would probably require rezoning to allow development, but a lack of neighboring residents and many nearby assets—a large post office, Harrisburg Area Community College, Dauphin County’s Wildwood Park, PSECU, state offices—make it “a very interesting site.”

“It’s a good opportunity for the state to do something that’s forward-thinking to help the community,” Heller says.

CAGA doesn’t want to interfere with land sales, but “it would really be nice to save the historical and environmental and recreational value of the whole area,” Norford says. The sale could become a blessing or a curse, he believes, but, for now, the attention is elevating the site’s profile as a unique asset for all to enjoy.

“It’s very much a blessing that we can go just a short distance from any of our homes and enjoy that beautiful setting. We haven’t really used it. This is a facility that I don’t think we’ve ever exploited as a park setting, so maybe this whole effort will put this area into the focus of more people.”

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Your Credit Score: A Potentially Powerful Number

Screenshot 2013-10-30 20.48.47What is this score you hear so much about? And how can one number have so much power? Understanding the facts about credit scores will help you make choices that will protect your options in the long run.

First, know what a credit score is. It is a mathematical risk assessment based on the information available in your credit report. It does not factor in such information as income, employment, age, sex, and race.

If you are in the market for a home or car loan, a high score is important, as lenders will look to it to assess their risk in lending you money. The same goes if you are looking for a credit card with a low interest rate. Even potential landlords may look at your credit score to help them determine their risk in renting to you. Though you may not be in the market for a loan or home now, you never know what the future holds. Keeping your score as high as possible is usually a good idea.

A common scoring model is one developed by Fair, Isaac and Company. They issue a FICO score, which is based on many factors. Five of these factors are significant and within your power to control. They are (in order of greatest weight) payment history, amounts owed, length of credit history, pursuit of new credit, and types of credit in use.

If your score isn’t where you want it to be, the good news is that you can take steps to improve it.

• Obtain copies of your credit report from all three major credit reporting agencies to check for and correct errors.

• Pay down your debt. If you can’t pay the total balance each month, pay more then the minimum required payment.

• Pay on time, every time.

• Avoid aggressively transferring balances to new cards.

• Keep your credit card balances well under the maximum available limit.

• Only apply for and have the credit you need.

• Repay collection accounts, judgments, and liens.

Recent information matters most – so the faster you do all the right things, the faster you can repair damage. And avoid “credit repair clinics,” as they can’t do anything you can’t do for yourself for free.

Keep in mind that you can’t build credit without using it. Having several (two to four is a good rule of thumb) active credit instruments shows capacity and responsibility. Balance is key. Too many unused open accounts shows potential for high future debt, which can lower your score, while too few accounts can also have a negative impact because you won’t have a long history of responsible credit use.

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