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Credit and Loans

Here's information you need to know about loans, credit reports, credit scores, credit history and credit cards.

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Man calculating his bills
Managing an account in collections
December 30, 2019

If your account is in collections, use these tips to help reduce the impact on your credit future.

Understanding Credit
Article
woman looking at credit card making notes on paper with laptop nearby
Should I use a credit repair company?
October 28, 2019

A credit repair company could help work with your creditors to improve your credit score. Consider if the extra expense is worth it.

Understanding Credit
Article
Girl on her laptop with a credit card
Choose your first credit card wisely
September 5, 2019

Rates, terms and features — weigh all the factors carefully when choosing your first credit card.

Using Credit Cards
Article
Man holding a credit card
Avoid these 5 credit card mistakes
September 4, 2019

Credit cards can help build and maintain credit; but watch out for potential pitfalls.

Using Credit Cards
Article
Members Chanyne C. and Craig C.
What will it cost you to lend money?
April 22, 2019

Before you hand over cash to a friend or family member, ask yourself these two simple questions.

Understanding Credit
Article
Man and woman discussing paperwork with financial advisor
4 keys to personal loan applications
March 19, 2019

Before you apply for a personal loan, get familiar with the process to ensure it’s your best option.

Applying for Loans
Article
Illustrative credit report that says credit freeze.
Is a credit freeze right for you?
November 19, 2018

Identity theft is a growing concern. A credit freeze may offer proactive protection against it.

Understanding Credit
Article
Sample credit report
Understanding your credit report
May 21, 2018

Don't be in the dark about what your credit report says about your financial stability. Here's what you need to know.

Understanding Credit
Article
Female hand choosing between retail and credit cards
Tips for choosing a retail card or credit card
March 23, 2018

Not sure which type of card is right for you? From rates to rewards, get the facts.

Using Credit Cards
Article
LGFCU Member Franco M. of Monroe, NC
Stay on top of your finances even on the go
January 3, 2018

Your smartphone gives you 24/7 access to the digital tools you need to manage your finances.

Using Credit Cards
Article
Financial Advisor Talking To Senior Couple At Home
Rewards and risks of cosigning
August 25, 2017

If you’re thinking about helping someone get a loan, get all the facts before you sign on the line.

Applying for Loans
Article
Check your credit report
Check your credit report
March 7, 2017

Getting a job, a loan or a place to live could all depend on your credit score. Know what’s on your credit report.

Understanding Credit
Video
Young man checking bill statements
How to avoid unwanted credit card charges
September 13, 2016

Forgotten purchases that show up on your credit card statement cost you a bundle. Track your transactions.

Using Credit Cards
Article
Young couple sitting on the sofa going through paperwork
Know the 5 Cs of credit before applying for a loan
April 5, 2016

Lenders use the five Cs to determine how likely you are to repay a loan. Know them before you apply.

Applying for Loans
Article
Couple sit near computer high-fiving
Cut your credit card debt with small changes
October 6, 2015

Take a minute to review your debt … then make these smart moves to cut it.

Understanding Credit
Article

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