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UFCU will be closed on Monday, May 25, 2015 in observance of Memorial Day. Read more

Financial Advice

Maintain Good Credit

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Maintain Good Credit

Get a Better Credit Score

Monica Andry, UFCU Business Development Manager, visits KXAN's Studio 512 to discuss how your credit score is calculated and what you can do to improve it.

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Maintain Good Credit

Co-Signing: What To Look Out For

It is a question that few want to hear: “Will you co-sign for me?” Co-signing comes with risks that make many justifiably nervous to sign on the dotted line. So, should you do it?

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Maintain Good Credit

All About VantageScores

The VantageScore, an alternative credit-scoring model to FICO, strives to help lenders predict risk with the greatest degree of accuracy while being favorable to consumers with short credit histories.

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Maintain Good Credit

FICO 08: How It Affects Your Credit Score

The FICO score is the credit-scoring model most commonly used by creditors. The updated model, FICO 08, includes adjustments to better differentiate between good credit risks and bad ones.

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Maintain Good Credit

How UFCU Looks at Your Credit

University Federal Credit Union uses information from your loan application and your credit report to determine whether to grant credit under the terms you request. Learn what factors we consider.

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Maintain Good Credit

Credit Report Privacy

Learn the ABCs of your credit report, from how it’s compiled and what exactly it contains to how it’s used by creditors, what effects to expect from a negative report and more.

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Maintain Good Credit

Understanding Your Credit Report

Learn the ABCs of your credit report, from how it’s compiled and what exactly it contains to how it’s used by creditors, what effects to expect from a negative report and more.

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Maintain Good Credit

All About Credit Scores

When you borrow from any lender or use any company that bills you for services, paying your obligations as you originally agreed has a big impact on your future access to credit and the rates you will pay.

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Maintain Good Credit

Ordering Your Credit Report

There are three major credit reporting agencies–Equifax, Experian and Trans Union. Learn how to check all three scores with one easy report through UFCU and myfico.com.

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Maintain Good Credit

The Fair Credit Billing Act

One of the benefits of using credit and charge cards is that they come with built-in consumer protection through a federal law called the Fair Credit Billing Act.

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