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8 smart habits Tri Pointe Homes employees can adopt to help boost credit scores

Healthcare Provider Update: Healthcare Provider for Tri Pointe Homes Tri Pointe Homes employees typically have access to a variety of healthcare options, with the Retirement Group, a division of Wealth Enhancement, recognized as a key partner in providing guidance for health care planning and retirement strategies. Potential Healthcare Cost Increases for 2026 Anticipated healthcare costs for employees of Tri Pointe Homes are expected to rise significantly in 2026 due to upcoming changes in the Affordable Care Act (ACA). Without renewed federal premium subsidies, average out-of-pocket expenses may soar by over 75%, impacting nearly all marketplace enrollees. This surge, driven by heightened medical costs and substantial insurer rate hikes averaging up to 66% in certain states, could strain the budgets of many, particularly those on fixed incomes or nearing retirement. Employees are encouraged to proactively reassess their healthcare strategies to navigate these looming financial challenges effectively. Click here to learn more

'Strong credit habits can give Tri Pointe Homes employees greater flexibility when preparing for major financial decisions, especially as they transition toward retirement,' says Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Tri Pointe Homes employees who build and maintain strong credit habits may position themselves for smoother financial decisions in the years leading up to retirement,' says Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

How strong credit can support borrowing for major purchases.
Eight habits that may positively influence your credit score.
Ways to monitor and maintain the accuracy of your credit report.

When borrowing for a major purchase, strong credit can make the process smoother and possibly less expensive. Like preparing for a long-term project at Tri Pointe Homes, progress comes from consistent effort over time—not rushing right before the deadline.

Here are eight habits that can support your credit score.

1. Make timely bill payments

Payment history is a major factor in credit scoring. Staying on top of due dates for loans and credit cards demonstrates reliability. Options like scheduled reminders or autopay can help keep everything flowing.

2. Maintain minimal credit balances

Using only a portion of your available credit—especially on revolving accounts like credit cards—can contribute to a stronger score. Credit utilization (how much of your borrowing limit you’re using) is a key consideration for lenders.

3. Keep older accounts open when it makes sense

The length of your credit history influences how strong your borrowing profile appears. Older accounts highlight more long-term behavior. However, if an account has high fees or encourages overspending, closing it may still be practical for some Tri Pointe Homes households.

4. Limit unnecessary new credit applications

Applying for credit can trigger hard inquiries that temporarily place slight downward pressure on your credit score. Multiple inquiries for the same type of loan—like mortgage rate shopping—typically count as one within a defined window. Checking your own credit does not affect your score.

5. Maintain a healthy mix of credit types

Responsibly managing a blend of installment loans and revolving accounts can demonstrate financial flexibility. This doesn’t mean taking on debt that isn’t needed. However, thoughtfully managing different forms of credit over time may help strengthen your profile as life evolves during and after a Tri Pointe Homes career.

6. Monitor your credit report regularly

You are entitled to free credit reports from the major bureaus—Equifax®, Experian®, and TransUnion®. Reviewing them can help identify errors, lingering balances, or signs of fraud. Staying proactive keeps your credit information accurate and up-to-date.

7. Dispute any reporting mistakes

If you find incorrect data on your report, you can file a dispute with the reporting bureau and contact the creditor at issue. Fixing errors can help make sure your score reflects your actual history.

8. Strengthen your overall financial picture

Budgeting, keeping debt manageable, and maintaining an emergency fund may make it easier to keep up with credit-related commitments. When finances stay organized, positive credit habits typically follow.

Need help planning for retirement?

A well-managed credit profile can be an important part of your overall financial life, including the transition into retirement. The Retirement Group can assist you as you prepare for your future. If you would like guidance, call (800) 900-5867 to speak with our team.

Need help planning for retirement?

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Sources:

1. Consumer Financial Protection Bureau. “How Do I Dispute an Error on My Credit Report?” CFPB , 18 Dec. 2024, www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ . Accessed 27 Oct. 2025.

2. Experian Editorial Team. “Do Multiple Loan Inquiries Affect Your Credit Score?” Experian , 30 Aug. 2024, www.experian.com/blogs/ask-experian/do-multiple-loan-inquiries-affect-your-credit-score/ . Accessed 27 Oct. 2025.

3. FICO. “What’s in My FICO® Scores?” myFICO , n.d., www.myfico.com/credit-education/whats-in-your-credit-score . Accessed 27 Oct. 2025.

4. Federal Deposit Insurance Corporation. “Credit Reports.” FDIC , 1 Aug. 2023, www.fdic.gov/consumer-resource-center/credit-reports . Accessed 27 Oct. 2025.

5. Federal Trade Commission. “Free Credit Reports.” FTC Consumer Advice , 2023–2024, consumer.ftc.gov/free-credit-reports. Accessed 27 Oct. 2025.

What type of retirement plan does Tri Pointe Homes offer to its employees?

Tri Pointe Homes offers a 401(k) retirement savings plan to help employees save for their future.

How can employees of Tri Pointe Homes enroll in the 401(k) plan?

Employees of Tri Pointe Homes can enroll in the 401(k) plan by completing the enrollment process through the company’s HR portal or by contacting the HR department for assistance.

Does Tri Pointe Homes provide a matching contribution for the 401(k) plan?

Yes, Tri Pointe Homes offers a matching contribution to the 401(k) plan, which helps employees maximize their retirement savings.

What is the vesting schedule for the 401(k) match at Tri Pointe Homes?

The vesting schedule for the 401(k) match at Tri Pointe Homes typically follows a standard timeline, which employees can review in the plan documents provided by HR.

Can employees of Tri Pointe Homes take loans against their 401(k) savings?

Yes, employees of Tri Pointe Homes may have the option to take loans against their 401(k) savings, subject to the terms and conditions of the plan.

What investment options are available in the Tri Pointe Homes 401(k) plan?

The Tri Pointe Homes 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

How often can employees of Tri Pointe Homes change their 401(k) contributions?

Employees of Tri Pointe Homes can change their 401(k) contribution amounts at any time, subject to the plan’s guidelines.

Is there a minimum contribution requirement for the 401(k) plan at Tri Pointe Homes?

Yes, Tri Pointe Homes may have a minimum contribution requirement for the 401(k) plan, which employees should verify in the plan documents.

What is the eligibility criteria for participating in the 401(k) plan at Tri Pointe Homes?

Employees of Tri Pointe Homes typically become eligible to participate in the 401(k) plan after completing a certain period of service, as outlined in the plan details.

How can employees access their 401(k) account information at Tri Pointe Homes?

Employees can access their 401(k) account information through the online portal provided by the plan administrator or by contacting the HR department at Tri Pointe Homes.