FAQs National Credit Education Month March 2021

National Credit Education Month FAQs

Where do I get my credit score?

There are three major credit reporting bureaus – Equifax, TransUnion and Experian – and, by law, you are entitled to one free report from each agency per year. You should get one report from each bureau because the information contained in the individual reports may not be consistent and you will want to confirm the accuracy of each.

When is National Credit Education Month?

March

 

 How much do Americans owe in credit card debt?

The total amount of credit card debt in the United States passed the $1 trillion (with a T!) in 2019. The average American household with a credit card owes $8,398.

March is National Credit Education Month which means there is no better time to educate yourself and others on the importance of understanding the ins and outs of your credit score. Did you know that one in five Americans find errors on their credit reports and that more than 90% of home and auto insurers use credit ratings to decide who to cover and what premiums to charge? It’s for these reasons you should actively monitor your credit score as well as educate yourself on how to properly manage it. Let’s get started.

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Why Do We Celebrate National Common Courtesy Day?

I don't want it good. I want it Tuesday.

Jack L. Warner

How to Observe National Common Courtesy Day

1. Introduce yourself to someone new or shy

   We've all been new to work or school and probably felt intimidated or left out. Introduce yourself to someone new, shy, or who is sitting alone. You could make a friend and you'll make someone feel included.

2. Remember the small actions

   Giving up your seat for someone who needs it more than you do, holding the door open, and replacing the roll of toilet paper for a new one are all great small ways to show courtesy to others.  Best of all, they're free!

3. Donate time or money to a meaningful cause (or a friend)

   Maybe there's a charity that means a lot to you. March 21 is a great day to volunteer for this cause or donate a few extra dollars to whatever piques your interest.  You can also call a friend you haven't had the chance to talk to, buy them a cup of coffee, or help them with something they might need.

Why National Common Courtesy Day is Important

1. You can participate in many small ways

   Courtesy means different things to everyone. Most holidays involved giving gifts or buying something, but Common Courtesy Day involves giving up your seat for someone who needs it more, not cutting in line, saying please and thank you or making more coffee if you drank the last cup. It's easy to participate and contribute to this day.

2. Doing good for others actually has benefits

   Scientific evidence shows that doing something good for others benefits your health. Volunteering and mentoring are some of the biggest examples of doing good for others, but random acts of kindness—including the oft-forgotten display of common courtesy—is a good way to make the world a better place for everyone.

3. Good deeds are contagious

   Creating a respectful environment begets you more respect. This is especially true at home and at work. Show courtesy to the people around you and pretty soon they'll follow your example.

With ever-busy lives, we often forget that simple things can make a difference. National Common Courtesy Day is a great way to remind ourselves that the world is better off when we show gratitude and graciousness in both big and small ways. Hey, it only takes a small gesture to be a big hero. Remember to say “please” and “thank you” on March 21. It could make a world of difference!

To celebrate National Common Courtesy Day, we have special activities and deals!

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