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When a crisis hits, it’s important to stay on top of your finances as best as you can. We have put together a Financial Care Package with helpful tips and resources to help you during this unprecedented time.
CREDIT SCORE
Free Credit Report
Due to the hardship caused by COVID-19, all US Consumers can get free weekly online credit reports now through April 20, 2021 from TransUnion, Experian, and Equifax by visiting AnnualCreditReport.com.

5 Key Factors That Determine Your Credit Score
In this video you will learn about the 5 factors used to calculate your credit score.

BONUS TIPS!
If you are an Earn Checking account-holder, you have free access to ID Score Tracker. Good credit begins with knowing where your credit is today.
If you are a Plan Checking account-holder, you have access to IDProtect® Identity Theft Monitoring and Resolution Service and ID Score Tracker.
Access your benefits today at eClubOnline.net . If you need help getting started, send us a message and we will be happy to help.
FINANCIAL RELIEF OPTIONS
Money One's Skip-a-Payment Relief Program. Contact Us for info!
Federal Stimulus Funds ($1,200 per adult, $500 per child) at IRS.gov .
Energy Assistance, if you need help with your utilities. Learn More
WORKBOOKS & ARTICLES
Many circumstances in life can derail even the best money management plan. If you have found yourself in a situation where you can’t keep up with your bills, you’ll need to take an inventory of your resources and prioritize your financial obligations.

Workbook: Preparing For a Financial Setback
Living on less is never easy, but with a little planning and a positive attitude, you should be able to weather most financial storms. So, take a deep breath, relax, and review the following tips that you can help make any setback smooth and (almost) painless.

It’s challenging enough to make a paycheck last when it comes on a regular basis – but what happens when you have to take mandatory time-off or a reduction in hours, or are paid for some months out of the year but not others? With planning and a careful look at your finances, you can survive the times.

Have you ever unexpectedly found out you’re going to have less income? It’s enough to throw you into a panic. But the best way to get through hard times is to take a few deep breaths and put a plan together. Check out these common targets for quick and effective expense cuts.

FREE FINANCIAL COUNSELING
Completely Confidential
Simply call our trusted partners at Balance, toll free at 888-456-2227. Counselors are available Monday through Thursday, 10:30am to 9pm, Friday, 10:30am to 8pm, and Saturday, 12pm to 5pm (EST). Or Chat Monday through Friday from 10:30am to 11pm (EST).

ARE YOU AN ESSENTIAL WORKER
AND WORK OUTSIDE OF THE HOME?
We would like to celebrate YOU and the sacrifice you make each day in support of the greater good! Send us a recent picture of yourself in your line of duty! We will be awarding selected essential workers with $25 gift cards and celebrate them on our Facebook page. We appreciate you!
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Money One Federal Credit Union, 9800 Technology Way, Largo, MD 20774 
(301) 925-4600 | Federally Insured by NCUA. Equal Housing Lender.