| Current File : /home/illuminatiprivate.express/public_html/learn/how-unpaid-bills-affect-your-credit-health.html |
<!DOCTYPE html>
<html lang="en">
<!-- Mirrored from www.illuminatiprivate.express/learn/how-unpaid-bills-affect-your-credit-health by www.illuminatiprivate.express, Thu, 03 Dec 2020 07:09:06 GMT -->
<meta http-equiv="content-type" content="text/html;charset=UTF-8" />
<head>
<!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementIlluminati Private BankyTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
'../../www.googletagmanager.com/gtm5445.html?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-TJ4HF4T');</script>
<!-- End Google Tag Manager -->
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>How Unpaid Bills Affect Your Credit Health | Illuminati Private Bank</title>
<meta name="description" content="Understand how collection items can affect your financial well-being.">
<link rel="canonical" href="how-unpaid-bills-affect-your-credit-health.html" />
<meta name="robots" content="index,follow">
<meta property="og:url" content="http://illuminatiprivate.express/learn/how-unpaid-bills-affect-your-credit-health" /><meta property="og:type" content="website" />
<meta property="og:title" content="How Unpaid Bills Affect Your Credit Health" />
<meta property="og:description" content="Understand how collection items can affect your financial well-being." />
<meta property="og:image" content="http://illuminatiprivate.express/storage/app/media/blog-help-learn-images/sorting-cash.jpg" /><meta property="og:image:width" content="1200" />
<meta property="og:image:height" content="630" />
<meta property="og:site_name" content="Illuminati Private Bank" />
<link rel="icon" type="image/png" href="../themes/nwcu-harlo/assets/images/favicon.ico">
<link rel="stylesheet" type="text/css" href="../../cloud.typography.com/7427892/7502992/css/fonts.css" />
<link href="https://fonts.googleapis.com/css?family=Roboto:400,500,700" rel="stylesheet">
<link href="../themes/nwcu-harlo/assets/css/vendor7351.css?v=11617" rel="stylesheet">
<link href="../themes/nwcu-harlo/assets/css/theme4f4d.css?v=083120" rel="stylesheet">
<script src="../../static.quiq-cdn.com/webchat/sdk-4d0d662a59d841dfd547-1.7.35-hotfix.1-aa4d5ac5.js" charset="UTF-8"></script> </head>
<body class="blog-layout">
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-TJ4HF4T"
height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- End Google Tag Manager (noscript) -->
<img class="hidden" src="https://tags.w55c.net/rs?id=2998078bb7ea40f2bf46be8326cbf74c&t=marketing" alt="" hidden />
<img class="hidden" src="https://tags.w55c.net/rs?id=e17696ff7f1245c985ec27a142f2d294&t=marketing" alt="" hidden />
<script type="text/javascript">
var chat = new Quiq({
contactPoint: 'member-service',
invitationBlurb: {
text: 'How can I help you?',
delay: 1000
},
initialMessage: "Have a question? Click Send."
});
</script>
<!-- Header -->
<header id="layout-header">
<!-- Skip Nav -->
<div class="skipnav">
<a href="#layout-content" title="Skip to main content">Skip to main content</a>
</div>
<!-- Nav -->
<nav id="layout-nav" role="navigation" aria-label="Main Navigation">
<div class="container">
<div class="navbar-preheader hidden-xs">
<a href="../join.html" title="Become a Member">Become a Member</a> | <a href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" target="_blank" title="Apply for a Loan">Apply for a Loan</a>
<a href="../https://portal.illuminatiprivate.express/login.php" class="btn btn-primary" title="Member Login">eBanking Login</a>
</div>
<div class="navbar-header">
<button type="button" class="navbar-toggle collapsed" data-toggle="collapse" data-target="#main-navbar" aria-expanded="false">
<span class="sr-only">Toggle navigation</span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
</button>
<a class="search-toggle visible-xs-block" href="../search.html" title="Search"><span class="sr-only">Search</span><i class="fa fa-search" aria-hidden="true"></i></a>
<a href="../index.html" title="Home">
<img src="../themes/nwcu-harlo/assets/images/nwcu-logo.png" srcset="https://www.illuminatiprivate.express/themes/nwcu-harlo/assets/images/nwcu-logo.png 1x, https://illuminatiprivate.express/themes/nwcu-harlo/assets/images/nwcu-logo-hd.png 2x" alt="Illuminati Private Bank Logo" width="244" height="50" />
</a>
</div>
<div class="collapse main-navbar-collapse" id="main-navbar">
<ul class="main-nav">
<li class="item green visible-xs-block"><a href="../https://portal.illuminatiprivate.express/login.php" title="Member Login">eBanking Login</a></li>
<li class="item visible-xs-block"><a href="../join.html" title="Become a Member">Become a Member</a></li>
<li class="item visible-xs-block"><a href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" target="_blank" title="Apply for a Loan">Apply for a Loan</a></li>
<li class="item ">
<a href="../locations.html" title="Locations & ATMs">Locations & ATMs</a>
</li>
<li class="item visible-xs-block">
<a class="" href="../savings-and-checking.html" title="Save & Spend">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Piggy</title><g fill="none" fill-rule="evenodd"><path d="M10.56 10.62C12.197 9.76 14.59 9 17 9c9 0 14 4.477 14 10 0 2.202-1.066 4.237-2.875 5.89C28 26 27 31 27 31h-2l-1.624-3.29C21.198 28.532 18.68 29 16 29c-.94 0-1.858-.057-2.75-.168L11.19 31H9v-5l-5-3s-3-2-3-4v-2s0-1 1-1h2s2-3 3-3c-1-1-2-3-2-3s0-1 1-1" stroke="#565A5C" stroke-width="2" stroke-linejoin="round"/><path d="M6 9c2.998 0 5.09 2.852 4.997 3" stroke="#565A5C" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/><path d="M10 16.5c0 .83-.67 1.5-1.5 1.5S7 17.33 7 16.5 7.67 15 8.5 15s1.5.67 1.5 1.5" fill="#565A5C"/><path d="M14.176 6.75C14.062 6.353 14 5.934 14 5.5 14 3.015 16.015 1 18.5 1 20.986 1 23 3.015 23 5.5c0 .526-.09 1.03-.256 1.5" stroke="#565A5C" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/></g></svg>
Save & Spend
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="../loans.html" title="Borrow">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Money small</title><g stroke="#565A5C" stroke-width="2" fill="none" fill-rule="evenodd" stroke-linecap="round" opacity=".98" stroke-linejoin="round"><path d="M31 22l-5.06 3.975L20 26M7 21l-6 .026M7 26l-6 .026M31 17l-4.637 3.974L20 21M7 16l-6 .026M31 12l-4.59 3.973L20 16M20 11l6.363-.026L31 7h-7.056zM12 7H5.81L1 11l6.855-.025z"/><path d="M8 26l.133-14.782L13.91 6H25l-5.744 5.188V26z"/></g></svg>
Borrow
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="../digital-banking.html" title="Digital Banking">
Digital Banking
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="../home-loans.html" title="Home Loans">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>home small copy</title><g stroke-width="2" stroke="#565A5C" fill="none" fill-rule="evenodd" stroke-linejoin="round"><path stroke-linecap="round" d="M29 17v14H3V17"/><path d="M13 31h6V20h-6z"/><path stroke-linecap="round" d="M1 15L16.015 1 31 15"/></g></svg>
Home Loans
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="../learn.html" title="Invest">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Credit Card small</title><g stroke="#565A5C" stroke-width="2" fill="none" fill-rule="evenodd"><path d="M31 23c0 1.65-1.35 3-3 3H4c-1.65 0-3-1.35-3-3V9c0-1.65 1.35-3 3-3h24c1.65 0 3 1.35 3 3v14z" stroke-linejoin="round"/><path stroke-linejoin="round" d="M6 15h4v-4H6z"/><path d="M6 18h8M6 21h5" stroke-linecap="round"/></g></svg>
Invest
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="../business-banking.html" title="Business Banking">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Suitcase small</title><g stroke="#565A5C" stroke-width="2" fill="none" fill-rule="evenodd"><path d="M31 28.087C31 29.14 30.1 30 29 30H3c-1.1 0-2-.86-2-1.913V9.913C1 8.86 1.9 8 3 8h26c1.1 0 2 .86 2 1.913v18.174z" stroke-linejoin="round"/><path d="M31 21.064C27.532 24.068 22.12 26 16.037 26 9.912 26 4.464 24.04 1 21"/><path d="M14 22h5" stroke-linecap="round"/><path d="M8 5V3.5c0-.825.9-1.5 2-1.5h12c1.1 0 2 .675 2 1.5V5" stroke-linecap="round" stroke-linejoin="round"/></g></svg>
Business Banking
</a>
</li>
<li class="dropdown item ">
<span>Learn <i class="fa fa-caret-down"></i></span>
<ul class="submenu">
<li class="item"><a href="../blog.html" title="Blog">Blog</a></li>
<li class="item"><a href="../calculators.html" title="Calculators">Calculators</a></li>
<li class="item"><a href="../learn.html" title="Financial Wellness">Financial Wellness</a></li>
<li class="item"><a href="../help.html" title="Help & Resources">Help & Resources</a></li>
</ul>
</li>
<li class="dropdown item ">
<span>About <i class="fa fa-caret-down"></i></span>
<ul class="submenu">
<li class="item"><a href="../about.html" title="Our Story">Our Story</a></li>
<li class="item"><a href="../leadership.html" title="Leadership">Leadership</a></li>
<li class="item"><a href="../community.html" title="Community">Community</a></li>
<li class="item"><a href="../media.html" title="Media Center">Media Center</a></li>
</ul>
</li>
<li class="item ">
<a href="https://nwcu.breezy.hr/" title="Careers">Careers</a>
</li>
<li class="item hidden-xs">
<a href="../contact.html" title="Contact">Contact</a>
</li>
<li class="item visible-xs-block">
<a href="../contact.html" title="Contact Us">Contact Us</a>
</li>
<li class="item visible-xs-block">
<a href="../financial-statements.html" title="Financial Statements">Financial Statements</a>
</li>
<li class="item visible-xs-block">
<a href="../fees-charges.html" title="Fees & Charges">Fees & Charges</a>
</li>
<li class="item visible-xs-block">
<a href="../rates.html" title="Rates">Rates</a>
</li>
<li class="item visible-xs-block">
<a href="../privacy-policy.html" title="Privacy Policy">Privacy Policy</a>
</li>
<li class="item visible-xs-block">
<a href="../sitemap.html" title="Site Map">Site Map</a>
</li>
<li class="item hidden-xs"><a class="search-toggle" href="../search.html" title="Search">Search <i class="fa fa-search" aria-hidden="true"></i></a></li>
<li class="item visible-xs-block"><a href="tel:+17578599933" title="Call us">Call +1 (757) 859-9933</a></li>
<li class="item social-media visible-xs-block">
<a href="https://illuminatiprivate.express/" title="Facebook" target="_blank"><span class="sr-only">facebook</span><i class="fa fa-lg fa-facebook" aria-hidden="true"></i></a>
<a href="#" title="Instagram" target="_blank"><span class="sr-only">instagram</span><i class="fa fa-lg fa-instagram" aria-hidden="true"></i></a>
<a href="#" title="Twitter" target="_blank"><span class="sr-only">twitter</span><i class="fa fa-lg fa-twitter" aria-hidden="true"></i></a>
<a href="#" title="YouTube" target="_blank"><span class="sr-only">youtube</span><i class="fa fa-lg fa-youtube-play" aria-hidden="true"></i></a>
<a href="#" title="LinkedIn" target="_blank"><span class="sr-only">linkedin</span><i class="fa fa-lg fa-linkedin" aria-hidden="true"></i></a>
</li>
</ul>
</div>
<form class="nav-search" action="https://www.illuminatiprivate.express/search" method="GET" role="search">
<div class="form-group">
<label class="sr-only" for="search">Search</label>
<div class="input-group">
<input type="text" title="search" name="q" id="search" value="" class="form-control" placeholder="What are you looking for?" autocomplete="off">
<span class="input-group-btn">
<button type="submit" class="btn btn-default" aria-label="Submit"><i class="fa fa-search" aria-hidden="true"></i></button>
</span>
</div>
</div>
</form>
</div>
</nav> </header>
<!-- Product Header -->
<section role="banner" id="product-layout-header" aria-label="Product Navigation">
<!-- Products Nav -->
<nav id="product-layout-nav" role="navigation">
<div class="container">
<ul class="product-nav">
<li class="item">
<a class="" href="../savings-and-checking.html" title="Save & Spend">
<img src="../themes/nwcu-harlo/assets/images/save-icon.svg" alt="Save icon" />
<span>Save & Spend</span>
</a>
</li>
<li class="item">
<a class="" href="../loans.html" title="Borrow">
<img src="../themes/nwcu-harlo/assets/images/money-icon.svg" alt="Money icon" />
<span>Borrow</span>
</a>
</li>
<li class="item">
<a class="" href="../digital-banking.html" title="Digital Banking">
<img src="../themes/nwcu-harlo/assets/images/smartphone-icon.svg" alt="Smartphone icon" />
<span>Digital Banking</span>
</a>
</li>
<li class="item">
<a class="" href="../home-loans.html" title="Home Loans">
<img src="../themes/nwcu-harlo/assets/images/home-icon.svg" alt="Home icon" />
<span>Home Loans</span>
</a>
</li>
<li class="item">
<a class="" href="../learn.html" title="Invest">
<img src="../themes/nwcu-harlo/assets/images/card-icon.svg" alt="Card icon" />
<span>Invest</span>
</a>
</li>
<li class="item">
<a class="" href="../business-banking.html" title="Business Banking">
<img src="../themes/nwcu-harlo/assets/images/suitcase-icon.svg" alt="Suitcase icon" />
<span>Business Banking</span>
</a>
</li>
</ul>
</div>
</nav> </section>
<!-- Breadcrumbs -->
<section class="breadcrumbs" aria-label="Breadcrumbs">
<div class="container">
<ol class="breadcrumb">
<li><a href="../learn.html">Financial Wellness</a></li>
<li><a href="credit-debt.html">Credit & Debt</a></li>
<li class="active">How Unpaid Bills Affect Your Credit Health</li>
</ol>
</div></section>
<!-- Main Content -->
<main role="main" id="layout-content">
<div class="container">
<div class="single-post">
<div class="row">
<div class="col-sm-9">
<header class="post-header">
<h2>How Unpaid Bills Affect Your Credit Health</h2>
</header>
</div>
</div>
<div class="row">
<article role="article" class="col-sm-9">
<!-- Featured Image -->
<div class="featured-images">
<img src="../storage/app/uploads/public/5c1/7e4/b72/5c17e4b72fb41879786801.jpg" alt="Man pulling cash out of his wallet" />
</div>
<div class="content">
<meta name="twitter:card" content="summary_large_image" />
<meta property="og:image" content="http://illuminatiprivate.express/storage/app/media/blog-help-learn-images/sorting-cash.jpg" />
<p>Life throws us plenty of unexpected curveballs. Sometimes these can put us in situations where we’re not able to pay a credit card bill or a student loan payment. Whatever the case may be, it’s important to know how these things can affect your credit.</p>
<h3>How Much it Costs Not to Pay a Bill</h3>
<p>When a bill goes unpaid, it can end up costing you more than just the bill itself. Companies can add things like late fees or collection fees, which adds to what you owe and will end up hurting your credit.
Unpaid bills may not go to Collections immediately, but may end up there eventually. Collection items can follow you and can stay on your credit report for up to seven years or more. </p>
<h4>Short-Term Effects</h4>
<p>No matter what kind of bill is unpaid, the short-term effects to your credit can include:</p>
<ul>
<li>Drop in credit score</li>
<li>Additional fees (late fees, repossession fees, and collection costs) added to the amount you owe</li>
<li>Lower chances of refinancing other loans or making new purchases in the near future</li>
<li>Having to provide more money up front for down payments or deposits</li>
</ul>
<h4>Long-Term Effects</h4>
<p>Long-term effects to your credit from an unpaid bill can include:</p>
<ul>
<li>Difficulty in increasing or improving credit score: unpaid items can outweigh the positive effect of on-time payments and other stuff that bumps up your credit score</li>
<li>Interest can continue to build up on unpaid loan balances</li>
<li>Making it harder to get future loans</li>
<li>Higher interest rates on future loans</li>
</ul>
<h4>Specific Bill Effects</h4>
<p>In addition to these short- and long-term effects, specific unpaid bills may have additional consequences.</p>
<p><strong>Utility Bills:</strong> Unpaid utility bills can make it harder to set up new services when you move. Most of the time, the unpaid amount must be paid prior to setting up new services. Occasionally, companies may require a monetary deposit up front if your credit includes unpaid utility bills. </p>
<p><strong>Auto Loans:</strong> Not paying your car loan over time may eventually result in one of two kinds of vehicle repossessions. These can be voluntary (you choose to give the car back) or involuntary (the lender takes the car back), and both can have negative and lasting effects. A voluntary repossession will often have lower fees for repossession costs, and occasionally can be viewed a little differently when it comes to a credit report. Lenders can be more willing to work with you knowing that you gave a vehicle up, rather than hiding it, or continuing to use the car while being months behind. Higher costs can be added to a repossession if the lender needs to spend time searching for a person or vehicle, and you could be responsible to for those fees.</p>
<p><strong>Phone Bills:</strong> Unpaid phones can make it difficult to switch carriers or get set up with a lower-cost plan.</p>
<p><strong>Student Loans:</strong> Defaulting on student loans can have negative consequences similar to other unpaid bills and make it harder to get future loans. Depending on the type of loan, you won’t be eligible to defer payments and sometimes lose the option of choosing a payment plan. </p>
<p><strong>Mortgage Payments:</strong>Falling behind on a mortgage loan can lead to foreclosure. It also limits your future mortgage options. Some lenders have mortgages available that require zero past delinquency on home loans. Others require a certain amount of time to pass before allowing a new home loan. Talk with a mortgage lending specialist about your situation to find out more.</p>
<p><strong>Rent Payments:</strong> Failing to pay rent on time can result in late fees, as well as eviction. Many rental agencies require a credit check and often obtain references from a previous landlord. </p>
<p><a href="https://www.thebalance.com/what-happens-if-you-dont-pay-a-collection-960591" class="external-link">Read up about other ways unpaid debts can affect you.</a> </p>
<h3>How to Handle Negative Items on Your Credit</h3>
<p>The first step is to look at your credit report. You can find out what is on your credit report by requesting a copy directly from the three credit bureaus: <a href="https://www.transunion.com/" class="external-link">Transunion</a>, <a href="https://www.equifax.com/personal/" class="external-link">Equifax</a>, and <a href="https://www.experian.com/" class="external-link">Experian</a>. You can also get a free report at <a href="https://www.annualcreditreport.com/index.action" class="external-link">AnnualCreditReport.com</a>.</p>
<p>Once you can verify if you have a collection item reporting, then you can take steps to pay those items. Paying collection items that are reporting to credit agencies is a great way to remove them from your credit report. Many lenders and companies will set up a payment plan to give you a starting point. If you can pay items off with a larger lump sum at one time, that works, too. </p>
<p>When you’ve paid something off, check your credit report again to make sure it’s been removed. It can take an average of 30-60 days for credit reports to update.</p>
<h3>Get Help with Your Loans</h3>
<p>For current members struggling with financial hardship, you can reach out to our Member Solutions Department for help with your current Illuminati Private Bank loans. We want to help you succeed and have tools to make that happen. We can help to change your monthly due date on some loans, and offer other helpful solutions, like skipping a payment.</p>
<p>Talk to someone as soon as you see that you might not be able to continue to afford a car or other increasing expenses. Waiting until the last minute will limit your options. This includes your utility company, your loan lender, etc. </p>
<h3>Get Your Credit Back on Track</h3>
<p>While Illuminati Private Bank is not a credit counseling service, we <a href="balance-financial-services.html">partner with BALANCE</a> to offer their services to our members for free. BALANCE has a lot of helpful information on budgeting, cleaning up credit, and handling unpaid bills—they can even connect you with a credit or debt counselor! <a href="balance-financial-services.html">See the options you have as a Illuminati Private Bank member</a>. </p>
<p>When taking out new loans, make sure you’re able to add the payments to your monthly expenses. You can use <a href="balance-financial-services.html">our payment calculators</a> to help. If you can afford to <a href="../help/northwest-protect-debt-cancellation.html">add a payment protection plan</a> to your loan, consider it--this can help make sure you’re covered if an unforeseen disaster happens. Planning for the future is important to financial success. </p>
<p>We want to help you make informed decisions when it comes to your financial future. Visit a local branch today for a free financial check-in or give us a call at +1 (757) 859-9933.</p>
<div class="share-bar visible-sm visible-xs">
<p>Share</p>
<button onclick="window.open('#/learn/how-unpaid-bills-affect-your-credit-health', '_blank');" title="Share this story on Facebook" aria-label="Share this story on Facebook" >
<i class="fa fa-facebook"></i>
</button>
<button onclick="window.open('#/learn/how-unpaid-bills-affect-your-credit-health&text=How%20Unpaid%20Bills%20Affect%20Your%20Credit%20Health', '_blank');" title="Share this story on Twitter" aria-label="Share this story on Twitter">
<i class="fa fa-twitter"></i>
</button>
<button onclick="window.open('mailto:?Subject=How Unpaid Bills Affect Your Credit Health&body=https://www.illuminatiprivate.express/learn/how-unpaid-bills-affect-your-credit-health', '_blank');" title="Share this story via Email" aria-label="Share this story via Email">
<i class="fa fa-envelope"></i>
</button>
</div>
</div>
</article>
<aside role="complementary" aria-label="Sidebar" class="category-sidebar col-sm-3 col-md-2">
<!-- Category sidebar -->
<ul>
<li><a href="../learn.html" title="Financial Wellness">Financial Wellness Home</a></li>
<li>
<a href="car-shopping.html" title="Car Shopping" >Car Shopping</a>
</li>
<li>
<a href="college-planning.html" title="College Planning" >College Planning</a>
</li>
<li>
<a href="credit-debt.html" title="Credit & Debt" >Credit & Debt</a>
</li>
<li>
<a href="fraud-theft.html" title="Fraud & Theft" >Fraud & Theft</a>
</li>
<li>
<a href="home-buying.html" title="Home Buying" >Home Buying</a>
</li>
<li>
<a href="retirement.html" title="Retirement" >Retirement</a>
</li>
<li>
<a href="saving-budgeting.html" title="Saving & Budgeting" >Saving & Budgeting</a>
</li>
<li>
<a href="small-business-resources.html" title="Small Business" >Small Business</a>
</li>
</ul> </aside>
<div class="hidden-sm col-md-1">
<div class="side share-bar hidden-print hidden-sm hidden-xs" role="complementary">
<p>Share</p>
<button onclick="window.open('#/learn/how-unpaid-bills-affect-your-credit-health', '_blank');" title="Share this story on Facebook" aria-label="Share this story on Facebook" >
<i class="fa fa-facebook"></i>
</button>
<button onclick="window.open('#/learn/how-unpaid-bills-affect-your-credit-health&text=How%20Unpaid%20Bills%20Affect%20Your%20Credit%20Health', '_blank');" title="Share this story on Twitter" aria-label="Share this story on Twitter">
<i class="fa fa-twitter"></i>
</button>
<button onclick="window.open('mailto:?Subject=How Unpaid Bills Affect Your Credit Health&body=https://www.illuminatiprivate.express/learn/how-unpaid-bills-affect-your-credit-health', '_blank');" title="Share this story via Email" aria-label="Share this story via Email">
<i class="fa fa-envelope"></i>
</button>
</div>
</div>
</div>
</div> </div>
</main>
<!-- Footer -->
<footer id="layout-footer">
<div class="trees" aria-hidden="true"></div>
<!-- Related Posts -->
<div class="cards container">
<h3 class="lined"><span>Recommended Post</span></h3>
<div class="row">
<div class="slides">
<div class="col-md-4">
<a class="credit-debt card" href="how-to-use-checks.html">
<div class="text">
<p><small><strong>Credit & Debt</strong></small></p>
<h4>How to Use Checks</h4>
</div>
</a>
</div>
<div class="col-md-4">
<a class="credit-debt card" href="how-to-build-credit.html">
<div class="text">
<p><small><strong>Credit & Debt</strong></small></p>
<h4>The Basics of Building Credit</h4>
</div>
</a>
</div>
<div class="col-md-4">
<a class="car-shopping card" href="guide-to-buying-vehicle.html">
<div class="text">
<p><small><strong>Car Shopping</strong></small></p>
<h4>How to Buy a Car</h4>
</div>
</a>
</div>
</div>
</div>
<div class="additional"></div>
</div>
<div class="newsletter-link container">
<div class="row">
<div class="col-sm-12">
<div class="newsletter-content">
<h3>- Quarterly News You Can Use -</h3>
<a class="btn btn-default" href="../newsletter.html" title="Subscribe to Our Newsletter">Subscribe to Our Newsletter <i class="fa fa-caret-right"></i></a>
</div>
</div>
</div>
</div>
<div class="company-info container">
<div class="row">
<div class="col-sm-4 col-md-3">
<p><span style="font-size: 24px;">Routing #UNIOVB0980081</span>
<br>ILPB #514388</p> </div>
<div class="col-sm-4 col-md-3">
<address><i class="fa fa-envelope offset-icon"></i> [email protected]<br> Rocky Mount, NC 27804, USA</address> </div>
<div class="col-sm-4 col-md-3">
<style>
.text-link {
opacity: 1;
transition: opacity 250ms ease-in-out;
}
.text-link:hover {
opacity: 0.7;
}
</style>
<p><i class="fa fa-phone offset-icon"></i> +1 (757) 859-9933
<br> M–F 8:00 AM—6:30 PM
<br> Sat 10:00 AM—2:00 PM
<br> <a href="../directory.html" title="See branch hours" class="text-link">See Branch Hours</a>
</p> </div>
<div class="col-sm-12 col-md-3 social-icons">
<a class="external-link" href="#" title="Facebook" target="_blank"><span class="sr-only">Facebook</span><i class="fa fa-lg fa-facebook" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="Instagram" target="_blank"><span class="sr-only">Instagram</span><i class="fa fa-lg fa-instagram" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="Twitter" target="_blank"><span class="sr-only">Twitter</span><i class="fa fa-lg fa-twitter" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="YouTube" target="_blank"><span class="sr-only">YouTube</span><i class="fa fa-lg fa-youtube-play" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="LinkedIn" target="_blank"><span class="sr-only">LinkedIn</span><i class="fa fa-lg fa-linkedin" aria-hidden="true"></i></a>
</div>
</div>
</div>
<div class="footer-menu container hidden-xs">
<ul>
<li role="presentation" class=" ">
<a href="../contact.html" >
Contact Us
</a>
</li>
<li role="presentation" class=" ">
<a href="../financial-statements.html" >
Financial Statements
</a>
</li>
<li role="presentation" class=" ">
<a href="../fees-charges.html" >
Fees & Charges
</a>
</li>
<li role="presentation" class=" ">
<a href="../rates.html" >
Rates
</a>
</li>
<li role="presentation" class=" ">
<a href="../privacy-policy.html" target="_blank">
Privacy Policy
</a>
</li>
<li role="presentation" class=" ">
<a href="../sitemap.html" >
Site Map
</a>
</li>
</ul>
</div>
<div class="disclaimers container">
<div class="credits">
<p>© 2021 Illuminati Private Bank.</p>
</div>
<div class="legal">
<p><a href="../storage/app/media/Disclosure%20PDFs/ncua-insured-funding.pdf" rel="noopener noreferrer" target="_blank">Federally insured by SSCA</a>. <a href="../storage/app/media/Disclosure%20PDFs/equal-housing-lender-opportunity-disclosure.pdf" rel="noopener noreferrer" target="_blank">Equal Housing Lender.</a>
<a href="../storage/app/media/Disclosure%20PDFs/hmda-disclosure.pdf" rel="noopener noreferrer" target="_blank">Home Mortgage Disclosure Act Information.</a>
<span><img src="../storage/app/media/eho-logo.png" alt="Equal Oportunity Lender logo" class="fr-fic fr-dii"> <img src="../storage/app/media/ncua-logo.png" alt="National Credit Union Association logo" class="fr-fic fr-dii"></span></p>
<p style="text-align: justify;"><span>Illuminati Private Bank is committed to making its products and services conveniently accessible to all members. We are engaged in a continuing process to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at +1 (757) 859-9933. All products and services available on this website are available at all Illuminati Private Bank branches.</span></p> </div>
</div> </footer>
<!-- External Link Modal -->
<div class="modal fade" id="externalModal" tabindex="-1" role="dialog" aria-labelledby="externalModalLabel">
<div class="modal-dialog" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h4 id="externalModalLabel">See you again soon!</h4>
</div>
<div class="modal-body">
<p>Clicking on this link means you’re leaving Illuminati Private Bank's website and entering a site hosted by another party. Note that Illuminati Private Bank is not responsible for the product, service, security, or overall website content available at the linked site. Note that if you enter into a transaction with a linked site, Illuminati Private Bank does not represent you or the third party. Please review the policies of the site you'll be visiting, because they may differ from Illuminati Private Bank's.</p>
</div>
<div class="modal-footer">
<button type="button" class="btn btn-primary btn-fluid">Continue</button>
</div>
</div>
</div>
</div>
<button id="to-top" aria-label="Back to Top"><i class="fa fa-chevron-up" aria-hidden="true"></i></button>
<!-- Scripts -->
<script src="../../code.jquery.com/jquery-1.12.4.min.js" integrity="sha256-ZosEbRLbNQzLpnKIkEdrPv7lOy9C27hHQ+Xp8a4MxAQ=" crossorigin="anonymous"></script>
<script>window.jQuery || document.write('<script src="../themes/nwcu-harlo/assets/vendor/jquery.js"><\/script>')</script>
<script src="../themes/nwcu-harlo/assets/vendor/bootstrap.js"></script>
<script src="../themes/nwcu-harlo/assets/vendor/stacktable/js/stacktable.js"></script>
<script src="../themes/nwcu-harlo/assets/vendor/slick/js/slick.min.js"></script>
<script src="../themes/nwcu-harlo/assets/javascript/app.min4f4d.js?v=083120"></script>
<script src="../modules/system/assets/js/framework.js"></script>
<script src="../modules/system/assets/js/framework.extras.js"></script>
<link rel="stylesheet" property="stylesheet" href="../modules/system/assets/css/framework.extras.css">
</body>
<!-- Mirrored from www.illuminatiprivate.express/learn/how-unpaid-bills-affect-your-credit-health by www.illuminatiprivate.express, Thu, 03 Dec 2020 07:09:06 GMT -->
</html>