There are some really amazing people at 1st Mariner Bank. One of our 1st Mariner Mortgage Loan Officers, Michael Schneck, has a 5 year old son, Caleb, who was diagnosed with Leukemia. Caleb's cousin in Colorado, Katie Ryan, has commited to raise $4,000 for The Lymphonia and Leukemia Society Team in Training, in his honor. She will be running in her first Marathon, the San Diego Rock and Roll Marathon. Up to this point, she has raised over $2,500 already, much of it from other 1st Mariner employees already.
When members of our Contact Center heard about this effort, they wanted to help. They have worked with and gotten to know Michael and his group at the Severna Park office. So the team, led by Dana Knauer and Kati Wood, coordinated a bake sale that raised over $425 towards her goal. All the employees in the center pitched in by making something or contributing a cash donation. Their long term goal is to raise a total of $1,000 for this worthy cause by conducting more events, including another bake sale and a raffle.
There are many caring employees here at the bank who are helping their communities every day. It is one of the things, I think, that sets us apart from other organizations. This is but one example of the type of employees we have here at 1st Mariner.
With the help of our partners, r2.integrated and PointAbout , we are excited to announce a new, free application available for our customers who own an iPhone or ipod Touch. It is our ATM/Branch locator and is available for download through the App Store on your phone or through iTunes.
The application allows you to use your GPS location to find the nearest branch or ATMs, including the over 16,000 MoneyPass ATM's around the country. Then you can 'Map It' to get step by step directions to the location. This is an ideal application for people who travel around the area or around the country and want to take advantage of the MoneyPass Surcharge free network.
To see how it works, click on 1st Mariner ATM Locator and view a two minute demo of the application in action. Let us know what you think.
Credit ratings are complied by the three credit bureaus, Equifax, TransUnion, and Experian. They all have slightly different methods and they are ever evolving but basically, credit scores are a compilation of the following:
• Payment History
• Outstanding Debt
• Length of Time on Established Accounts
• Number of Inquiries
• Types of Credit
The list is in order of most important to least important with regards of impact on your credit rating. It is important to remember to always pay your bills on time. If you are unable to make a payment, talk to your lender. Most lenders will work with customers who need help.
Be sure not to max out credit cards and other credit lines. As outstanding balances reach credit limits, this has a negative impact on your credit rating. Be sure to keep old accounts open, this helps establish a positive history. Keep the number of inquires to a minimum and diversify your borrowing methods (don't have all credit card debt).
Although times may be tough, the most important factor is to make payments. If you struggle making payments talk to your lender. I can't emphasize that enough.
If you are working to rebuild your credit, remember the factors that impact your rating. Every little bit will help get you back on the road to an improved credit rating.
A great step in evaluating your position is to get a free copy of your credit report. Although the credit bureaus charge for your credit score, each bureau is obligated to provide you with one free copy of your report every year. You can obtain your free copy by visiting www.annualcreditreport.com.
Feel free to be in touch with comments, suggestions, or questions.
Wade Barnes firstname.lastname@example.org