Borrowing Resources

Tips and tools for taking out a mortgage, financing a college education and more.

Annual Credit Reports

Federal law requires each of the three nationwide consumer credit reporting companies — Equifax, Experian and TransUnion — to give you a free credit report every 12 months if you ask for it. Visit the central credit report source or call (877) 322-8228 for details.

Do-Not-Call Registry

What’s the best way to stop unwanted calls from telemarketers? List your phone number with the national Do-Not-Call registry. This free service keeps your number on file until you remove it or discontinue phone service. Keep in mind the Do-Not-Call Registry does not prevent all unwanted calls, including calls:

  • from organizations with which you have a business relationship
  • for which you’ve given prior written permission
  • that are not commercial or do not include unsolicited advertisements
  • by or on behalf of tax-exempt nonprofit organizations

Register online: www.donotcall.gov

Register by phone: 1-888-382-1222 (For TTY, call 1-866-290-4236.)

Note: You must call from the phone number you wish to register.

Paying For College


The financial side of higher education can present challenges to even the savviest of consumers. Use this tool from the Consumer Financial Protection Bureau to understand the ins and outs of paying for college.

Secure Document Upload

Need to upload and send sensitive documents to Saco & Biddeford Savings? 

Borrowing FAQs

What’s a credit score? Can I make a mortgage payment with a credit card? Let’s find out.

Consumer Financial Protection Bureau

Discover borrowing resources and guides from the Consumer Financial Protection Bureau.

Calculators