All About Credit

Fraud Alert!!!

CUNA is aware of new phishing emails in the form of surveys asking for feedback on your financial institution. These messages are scams and should be deleted. The messages offer awards up to $500, but there is no monetary award for filling out the form -- this is an identity theft scam.

Almost every day, you're involved in some type of financial transaction requiring an educated decision.

This site has information for you, whether you’re shopping for a mortgage or auto loan, checking the accuracy of your credit report, dealing with debt collectors, or looking for ways to protect your personal financial information.

And, to make your visit to our site a little more pleasant, each of the credit articles on this site includes an audio version that you can listen to.

Definite Credit Guide

Credit Unions - A credit union is an organization available to individuals based on their place of residence or employment. It works a lot like a bank but offer loans exclusively...
Credit Counseling - Sometimes we can't maintain a perfect credit score on our own. In life we may need a little help keeping our credit score at a satisfactory level or raising it to that level...
Credit Score Myths - There are many credit score myths floating around. This is due to the fact that few people know how credit scores are calculated and what helps determine a credit score...
Credit Score Calculation - Once you understand what a credit score is, how it affects your life, and why it is important to build and maintain good credit, you may also want to know how...
Co-Signers - A co-signer on any loan application can either be a blessing or a financial nightmare. This can be anyone from a friend to family member who agrees to share responsibility...
Credit Laws - The Equal Credit Opportunity Act states that all lenders will apply the same credit standards to all consumers, without prohibiting by race, sex, marital status, national origin...
Credit For Children - If you are a parent, one of the major responsibilities you have to your children is to make sure they are ready to enter the adult world when they leave the nest...
Divorce can Ruin your Good Credit - In the event of a divorce, many couples do not realize that it is necessary for both individual's future to consider the changes that may occur in their credit rating...
Establishing Good Credit - At some point in everyone's life, it is required to advance from having no credit to building good credit in order to secure your financial future...
How Bankruptcy Effects Your Credit Score - Bankruptcy is a tricky affair, and declaring it can ruin good credit. When you file for bankruptcy, your debts are supposed to be settled, but...
How to Fight Bad Credit - What do you do if you are looking through your credit report and spot an error? What most people don't realize is that it happens all the time...
How Good Credit Affects Loans - Contrary to popular belief, not all loans are taken out because the borrower is having financial trouble. Most people with ordinary jobs cannot afford...
In Your Best "Interest" - Have you ever wondered why everyone pays a different amount for the insurance for his or her home and car? Your credit score could either be saving you money or...
Identity Theft - Identity theft has become a problem with the introduction of shopping online. Thieves set up clone web sites much like the ones that are used popularly to make purchases...
Marrying into Good (or Bad!) Credit - When you get married, one of the things that is probably low on your priority list is understanding how your finances will work as a couple...
Online Credit Scams - A few years ago, the government passed a law allowing every citizen to receive a free annual credit report to track their credit history with the recent increase...
Protecting Your Good Credit - It's safe to say that if you have built a good credit score, you'd like to keep it that way. Who wouldn't? There are a few simple things to remember...
Starting a Business: Good Personal Credit is a Necessity - If you are thinking about starting your own business, banks will look at your personal credit history if you have no business credit history...
Stopping the Scary Phone Calls - If you have trouble maintaining good credit, you may find yourself bothered by phone calls from collection agencies. If your debt has been handed over...
Student Loans - If you are looking to obtain a student loan and you have a poor credit history, you might find it difficult to find a lender. With a number of student loan types on the market...
The Basics of Good Credit - If you have never had to apply for a loan or rent an apartment, you may not understand the emphasis on having good credit. Your past record of making payment...
The First Step to Good Credit - Good credit is complex to understand, build, and maintain, and many people would rather not deal with their finances. However, the very first step to good credit...
The Importance of Good Credit - The future of your finances will inevitably depend on your credit score. It's not a typical topic of discussion; however, it is necessary to know...
What is a Credit Score? - Many people do not know what a credit score is or how it is calculated, but by learning this you can better understand how it affects your everyday life...