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/
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
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
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
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/
Wet basements are an unpleasant issue. Water can cause mold and mildew, resulting in dreadful smells and weak walls. Water can likewise cause fractures in your structure. What's the very best method of solving this problem? Do not try to fix it yourself. You'll just end up with a bigger mess. Rather, employ a business to do basement waterproofing and keep wetness out.
It must go without saying that the business requires to be qualified to do the task. Examine to make certain your crew is certified and has insurance coverage to cover any accidents. You're most likely to get quality work out of a professional business than an unregistered company. You want to understand that the company you're working with doesn't give up when the going gets tough.
You can discover rankings on sites and ask for recommendations. You want a company that will work within your ways, but cost should not be the only factor in picking the best waterproofing company. You want someone who balances great with good rates. Last, but not least, you desire to be sure that the contractor can deal with the job at hand.
Who Has The Best Basement Wall Repair
You wish to know that they can repair any problems that show up. They must also have the needed tools for the type of work your basement requires. Various procedures require different techniques. They ought to be able to finish the project without the hold-up 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 very first one, either. All the excuses have been used up. It can't be delayed any longer. The basement needs to be repaired and a basement waterproofing specialist is needed to fix it. OK, that's one huge choice in the bag.
Not just those contactors however also the one on Angie's List, the one that offers a list of recommendations and the one that offers complete. Confusing? Let's clear it up. Among the lots of advantages a contemporary property owner has when it concerns discovering products and services for the home is simple access to information.
What Is Full Service Basement Wall Repair
Basement Water Proofing
Professionals and other businesses, too, have actually found out that being forthcoming with details beneficial to potential consumers is really a competitive advantage and business websites, blogs and Facebook pages are fantastic sources for the property owner. So, with all this details available, what is essential in choosing a basement waterproofing professional? Nobody can provide a much better point of view on a contactor's efficiency than a previous consumer.
Obviously, the specialist will not offer any unfavorable references so that's where the remarks sections on Facebook and Angie's List might show the other side of the coin. Speaking of Angie's List, it has actually ended up being a vital resource for property owners trying to find painters, roofing contractors, landscapers and basement waterproofing professionals. Membership does need a charge however just a consumer can pay their way on to the list contractors arrive based on service and feedback from members.
Basements can leakage water in a variety of ways and each method needs a different repair method (Epoxy Basement Wall Crack Repair). There are basement waterproofing professionals that use just one service, typically drain pipes tile, that can't deal with any other issues. Look for a professional that uses a complete series of services; no matter what the problem, they can fix it.
What Do Basement Wall Repair Services Include
This ends up being crucial when thinking about the service warranty offered by a professional. A lot of basement waterproofing contractors will provide a life time warranty on services like crack repair work and interior drain tile and minimal guarantees on outside repairs and other work. If the contractor is out of company six months later, however, any warranty is worthless.
There are other ways, too, like speaking to other house owners, searching for Bbb rankings and market acknowledgment. No matter how the research study is done, doing it completely ought to result in a delighted property owner with a dry basement. At U.S. Waterproofing, we have actually been keeping basements dry in the Chicago location for more than 56 years.
We are a full-service basement waterproofing contractor with more than 300,000 satisfied customers, so why not ask for our totally free recommendations when trying to find a basement waterproofing professional? Ready to get going? just enter your postal code: Tags: basement waterproofing contractor, choose basement waterproofing specialist - Basement Cinder Block Wall Repair.
Is It Worth Paying For Basement Wall Repair
As a skilled waterproofing business, Ingenious Basement Authority helps property owners fix their basement problems quickly. We have more than 10 years of experience in the market and have actually been recognized by the BBB for our service and workmanship. We are widely known locally for our special waterproofing products, custom developed to work well in any home.
If you're concerned that moisture is negatively affecting your basement, Innovative Basement Authority can inspect the area and pick the best course of action. We provide complimentary assessments and approximates schedule yours today! Call us at 320-515-2200 or click the button listed below to send us an e-mail. Your wet or damp basement can trigger more than just a headache; these issues can produce larger problems like mold, mildew, rot, structural damage, and a variety of health issues.
Wet or damp basement floor Leaking or damp basement walls Pooling or standing water crystalline deposit on concrete surfaces Moldy odors Condensation Sump pump issues Leaking basement windows Our total basement waterproofing system consists of all the services you need for a dry, comfy, odor-free basement; no matter what's causing your concerns.
How Do I Find A Basement Wall Repair Service
We believe you deserve just the very best. For your assurance, our basement waterproofing system includes a Lifetime Guarantee that is transferable when you offer your home. We have a group of thoroughly trained basement repair experts who can work with you to discover the very best service for your home's basement.
We will send one of our licensed basement waterproofing specialists to visit your house and carry out a thorough inspection of your house's basement structure. Ingenious Basement Authority repairs leaking basements in Minnesota, North Dakota and Eastern Montana, in locations like Eden Meadow, Saint Cloud, Bismarck, Minot, Anoka, Andover, Grand Forks and surrounding towns and cities.
When hiring a business for basement waterproofing, location and licensing ought to be crucial aspects. Preferably, customers ought to work with a company headquartered close to home and reputable in the area as that will make dealing with issues much easier. A lot of companies have a designated service area and might charge additional for those outside that geographical range.
How Much Should I Pay For Basement Wall Repair
With such companies, clients need to be extra mindful when hiring, as less managerial oversight can cause poorer service. Property owners should confirm services and contractors are correctly licensed, bonded and insured in their city. Prior to working with a service for the job, get numerous complimentary estimate. There are a few other prices elements to comprehend prior to choosing a business as well.
Other expenses might be included on top of that, such as equipment and parts, item installation, labor and refinishing. Basement waterproofing varies from as low as $200 to $500 for small repair work and can be as high as $2,000 to $20,000 or more for thorough repairs. Many business offer yearly waterproofing upkeep at a sensible rate, so ask any possible business about their assurances.
