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Latest News

8/1/2015
Why military personnel need to understand their credit scores


7/15/2015
You’ve earned your VA benefits—now use them


7/1/2015
Important DD 214 information for military veterans


Archived News

6/1/2015
Military Smokers: Get help quitting
5/16/2015
FREE white paper helps military transitioners in job search
5/1/2015
May is the 16th annual Military Appreciation Month
4/15/2015
Why now is the time to buy a home with a VA Loan
4/1/2015
Military Children Serve, Too!
3/17/2015
College scholarship exclusively for USBA families--Deadline is March 31st
3/4/2015
Veterans & Active Military: Get free help preparing your taxes
2/15/2015
Learn from veterans who’ve already transitioned
2/2/2015
What do life insurance and February 14th have in common?
1/16/2015
Free resources for military-to-civilian job seekers
1/6/2015
US Military Members: Are SGLI and VGLI enough?
12/16/2014
Transitioning? Active duty service members get extension to access MilConnect
12/1/2014
Share your holiday spirit with deployed US Military
11/15/2014
Leaving the military? Get 5 tips for job interviewing
11/1/2014
Thanking our military veterans this month
10/17/2014
Honoring deployed service members and their families
10/2/2014
Leaving the military? Make sure you meet MEC or it could cost you
9/15/2014
Get military discounts on consumer goods, tactical gear, sports events and more
9/4/2014
Who Do You Protect? Show us and you could win $500
9/1/2014
2014 USBA scholarship winners head to college
8/15/2014
Life Insurance for Military: Which of these apply to you?
8/1/2014
Who is eligible for USBA membership?
7/15/2014
5 tips for transitioning military who want to be entrepreneurs
7/1/2014
Vacation deals and discounts for military families
6/15/2014
Do you know when your SGLI ends?
6/3/2014
Military cuts ahead. USBA stands ready to help you.
4/22/2014
Unique life insurance protects two lives with one premium payment
4/11/2014
Important Announcement – Heart Bleed Virus
4/1/2014
April is Month of the Military Child
3/16/2014
Two kinds of insurance for military families
3/4/2014
PTSD isn’t a battle you want to fight alone
2/16/2014
Transitioning Out of Military? Here’s a throwback from Korea and Vietnam
2/3/2014
Getting ready to enter the civilian job market?
1/15/2014
2014 New Year’s Resolution: Find out if you have enough life insurance
1/3/2014
$2,000 college scholarship exclusively for USBA families
12/15/2013
Heading back-to-school after transitioning in 2014?
12/4/2013
Military vacation deals for the holidays
11/15/2013
Did you know USBA’s gone mobile?
11/1/2013
How are you observing Veterans Day 2013?
10/15/2013
Honoring those deployed and their families
10/1/2013
What recent changes in TRICARE mean
9/16/2013
Honoring Our Country’s Gold Star Mothers and Families September 29
9/2/2013
Transitioners: Get help figuring the civilian salary equivalent to your military pay
8/15/2013
Did you know?
8/1/2013
Planning ahead helps your family later
7/15/2013
Need help paying for college for your child or spouse?
7/1/2013
Transitioning soon? Start your civilian job search here.
6/15/2013
Dreaming of a Disney Vacation? Special Summer Discount for Military Families
6/2/2013
What makes USBA different?
5/15/2013
Celebrate Memorial Day with USBA
5/1/2013
Planning a vacation? Check out the Armed Forces Recreation Centers
4/15/2013
How to know if you have enough life insurance
4/1/2013
April is “Month of the Military Child”
3/15/2013
Is long-term care insurance right for you?
3/1/2013
Why spouses need life insurance too
2/19/2013
If travel is on your radar, read this:
2/3/2013
Jumpstart your 2012 taxes in February
1/22/2013
January is a good time to finally ...
1/6/2013
Are you retiring or transitioning in 2013?
12/17/2012
Last-minute Gift Ideas
12/2/2012
"Military Child of the Year" nominations due December 15th
11/15/2012
Why New York Life Insurance Company?
11/1/2012
Veterans Day Facts that May Surprise You ... Including Freebies
10/16/2012
10 FREE Resources for Transitioning Veterans
10/2/2012
What Happens Next?
8/30/2012
What’s important about September?
8/28/2012
Transitioning? Use this Planning Checklist
8/14/2012
Leaving the military within next 18 months?
7/31/2012
Need help selecting life insurance?
7/18/2012
What makes Uniformed Services Benefit Association (USBA) different?
7/9/2012
Is “Enough” Really Enough?
5/7/2012
Members Share “Power of One” Benefits
4/20/2012
Before You Skip a Premium...
3/22/2012
Group Gives Life to Dying Ritual
3/22/2012
“Invisible Warriors”
9/27/2011
Trainers Gonna Train.
7/13/2011
Need to Pay Your Premium?
7/30/2010
How USBA Life Insurance Claims Are Paid
3/7/2010
Leaving the Military: Sign up today for $5,000 No-Cost AD&D!
11/28/2009
USBA Debuts Long Term 20SM Year Group Life Insurance Plan
11/28/2009
Solid Financial Ratings Mean Solid Insurance Plans For You

 

8/1/2015
Why military personnel need to understand their credit scores

USBA military personnel credit score checkWhether you’re active duty, retired or a transitioning veteran, there’s a 3-digit number that can have major impact on your finances. It’s your credit score.

Your credit score is an indicator of how likely you are to pay back money you borrow. The lower your credit score, the riskier you look to lenders. Credit scores may also be used by potential employers, landlords, utility companies and others you deal with in civilian life.

Follow these simple steps to learn more about your credit score. 

  1. Start by getting a copy of your credit reports from the 3 major credit reporting agencies. Visit here to get free credit reports from Experian, Equifax and TransUnion. Or call 1-877-322-8228 toll-free to request your free credit reports. Keep in mind the Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

  2. Check the reports for accuracy. Make sure there are no mistakes or errors related to your payment history. Contact the appropriate credit reporting agency to fix errors.

  3. Look for signs of fraud or identity theft such as accounts you haven’t opened or outstanding debts you don’t owe. Report suspicious activity immediately and ask for a “fraud alert” to be placed on your file. Here are the toll-free numbers for the 3 major credit reporting agencies:
    • Equifax: 1-888-766-0008
    • Experian: 1-888-397-3742
    • TransUnion: 1-800-680-7289

  4. Check your credit scores. Don’t confuse credit reports with credit scores. Credit reports record your credit history; credit scores use these reports to calculate the 3-digit number that indicates your credit worthiness to lenders.  FICO® scores are most common and range from 300 to 850, with higher scores being better. However, each credit rating agency can use its own credit scoring model to generate this number. (Most people have to pay a small fee to get their credit scores.) Active-duty military and spouses may be able to get their credit scores for free. Get more information by contacting the local Financial Educator (PFM) on your base. If you don’t have a local Financial Educator or PFM, you can learn more here.

 

 


7/15/2015
You’ve earned your VA benefits—now use them

VA Benefits videoAre you taking full advantage of your VA health care benefits? Veterans and their families can visit the Explore VA website to learn more about their eligibility for health care benefits; the application process, specific types of health care benefits such as dental care and vision care; as well as spouse and dependents’ compensation eligibility. Find out how to apply online, in person, by phone or by mail.

Explore VA provides a fast and easy way for veterans and their spouses, dependents, and survivors to learn about the VA benefits available to them. This includes health care, education and training, home loans, employment services, disability pay, and more. It also has a Video Gallery featuring benefit overviews and personal stories of veterans who have used their VA benefits.

Take a few minutes to use the VA Benefits Navigator and get a personalized list of all the VA benefits for which you may be eligible based on your military service.


7/1/2015
Important DD 214 information for military veterans

National Archives and Records AdministrationIn the past, military service departments, Veterans Affairs, and other organizations routinely advised veterans and separating service members to file their DD 214 (Report of Separation from Active Military Service) with a public facility responsible for safekeeping documents. The belief was having a DD 214 filed at the county clerk’s office or courthouse would make it easy for the service member to get a copy if one was needed. If you are a veteran who has done this, you need to be aware you could be inviting identity theft or other serious safety concerns.

Today, having your DD 214 filed in a public facility may put you at risk for identity theft or fraud. Some of these facilities have poor or nonexistent security giving indiscriminate access to filed documents. Since your DD 214 contains personal information such as name, birth date, social security number, and address along with a record of military training, this information can be used in financial scams or fraudulent ID cards. Your DD 214 also provides information about which bases you served on and what your MOS was, making you a potential target for foreign agents seeking U.S. military information.

If your DD 214 is filed in a public facility, make sure it’s safe and secure—or remove it from the facility. When you need a copy of your DD 214 to apply for veterans benefits, you can visit the National Archives and Records Administration here and submit your request online with eVetRecs. Or call (866) 272-6272 TOLL FREE.


6/15/2015
Military families get FREE annual pass to national parks

USBA Free Passes for Military to National ParksPlanning a summer trip to the Grand Canyon, Yosemite, Yellowstone or one of America’s other national treasures? Make sure to get your free military pass. It normally costs $80.

Members of the U.S. military are eligible for this free annual pass good at over 2,000 locations managed by the National Park Service, the U.S. Fish and Wildlife Service, the Bureau of Land Management, the U.S. Forest Service and other federal agencies. Sites include our country’s famous national parks, wildlife refuges, forests and monuments that normally charge entrance fees. Get free pass information here.

Eligibility includes members of the U.S. Army, Navy, Air Force, Marines and Coast Guard, as well as most members of the U.S. Reserves and National Guard. Simply show your Defense Department identification (CAC Card or DoD Form 1173) at any Federal recreation site to receive the free pass.

If you’re a disabled veteran, you may qualify for a free lifetime Access Pass.

Before you head out the door, join USBA’s Emergency Assistance Plus (EA+) program and get a special member-only rate. EA+ provides you and your family with 24-hour emergency travel assistance and more than 20 additional travel benefits. Sign up now for a Risk-FREE 30-Day Trial.

 


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