H H NEW Y NEW Y
FAR WESTERN REGION
Spotlight on the Far Western Region
This month, we’re excited to feature six chapter newsletters from the Far Western Region. Each one highlights the hard work and dedication of Sorors making a difference in their communities. These newsletters offer a glimpse into their programs, events, and achievements. Take a moment to read through them, you may find fresh ideas and inspiration for your own chapter! To access the newsletters click on the logos to read.
GAMMA MU CHAPTER
BETA NU CHAPTER
ZETA BETA CHAPTER
ZETA KAPPA CHAPTER ZETA SIGMA CHAPTER ZETA TAU CHAPTER
Sheri Dozie, FWR Regional Journalist
Financial Awareness
Boost Your Credit Score with These Tips
Your credit score is key to your financial health, affecting loan approvals and interest rates A higher score can save you money Here are some simple ways to improve your score:
1. Pay Bills on Time
Payment history is crucial. Set reminders or automate payments to avoid late fees and build a strong record
2 Keep Credit Utilization Low
Use less than 30% of your credit limit to show responsibility. Pay down balances or request a credit limit increase to improve your ratio.
3. Check for Errors
Review your credit report for mistakes. Request free copies from Equifax, Experian, and TransUnion, and dispute inaccuracies
4 Reduce Debt, Don’t Transfer
Focus on paying down debt instead of just moving it around. Prioritize high-interest accounts to see positive score changes.
5. Avoid Too Many New Accounts
Each credit application can temporarily lower your score. Only open accounts when necessary
6 Keep Old Accounts Open
Longer credit history improves your score. Unless they have high fees, keep older cards open to show reliability.
7. Consider Secured Credit
If rebuilding credit, use a secured card responsibly to establish good habits and improve your score
8 Seek Help if Needed
Non-profits offer credit counseling and debt management plans. Reach out for guidance if you're overwhelmed.
Conclusion
Improving your credit takes time, but with consistent effort paying bills on time, reducing debt, and monitoring your report you’ll set yourself up for better financial opportunities.
Michelle Greene, Zeta Upsilon Chapter
Meet the Newsletter Team
Behind every issue of our newsletter is a dedicated team of Sorors working to keep you informed and inspired. With Soror Karen Williams Aguire of Alpha Lambda Chapter leading the way, her team featuring Lisa Washington and Dana Parrish ensures each edition reflects the heart and excellence of Iota Phi Lambda Sorority. From gathering stories to designing layouts, their hard work brings our sisterhood’s accomplishments to life. Take a moment to get to know the creative minds behind the content. We’re proud to have such a talented team representing Iota Phi Lambda Sorority!
Soror K. Williams-Aguirre Alpha Lambda Chapter, Chair
Soror Lisa Washington Nu Chapter
Soror Dana Parrish Zeta Upsilon Chapter