{"id":966,"date":"2020-12-27T17:00:19","date_gmt":"2020-12-27T22:00:19","guid":{"rendered":"http:\/\/10.130.206.81\/?p=966"},"modified":"2020-12-31T08:41:56","modified_gmt":"2020-12-31T13:41:56","slug":"buildyourcredit","status":"publish","type":"post","link":"http:\/\/10.130.206.81\/2020\/12\/27\/buildyourcredit\/","title":{"rendered":"Let Widget Financial Help You Build Your Credit"},"content":{"rendered":"

The credit union has great tools to help you build a great credit rating. We can give you credit counseling, set up a credit builder loan, teach you how to make on-time rental payments part of your score, open a secured credit card account …<\/p>\n

Perhaps you may have had good credit in the past, but are now experiencing a much lower credit score due to choices or life circumstances. Or, you may be building your credit for the first time as a young adult or as a newly single adult. Whatever the reason, you can rely on Widget Financial as your partner in building or reestablishing your credit.<\/p>\n

Here are five ways we can help you get your credit rating going in the right direction if you\u2019re just starting out, or boost your credit rating at any time:<\/p>\n

Online and in-person credit counseling\u00a0\u2013\u00a0<\/strong>Give us an opportunity to perform our\u00a05 Star Loan Review<\/a>\u00a0to evaluate your current credit situation and help you find ways to pay down and eliminate debt. Sometimes, it takes a fresh perspective to see your own situation clearly, and we\u2019ve already helped countless members do just that. This is especially true if you feel weighed down by debt and monthly payments. Give our team a chance to show you how to pare down your debt and build up your credit score. It\u2019s one of your many free benefits as a credit union member!<\/p>\n

Credit builder loans\u00a0<\/strong>\u2013 Check out this\u00a0unique loan<\/a>. Essentially, we make a relatively small loan to you, and like any other loan, you make monthly payments until the full mount of the loan is paid. When it\u2019s repaid in full, with payments made on time each month, your credit score should improve. It\u2019s a great way to get started building or rebuilding your credit as a member.<\/p>\n

Secured credit card\u00a0<\/strong>– Consider setting aside $500 to secure a\u00a0credit card<\/a>\u00a0in your name. You\u2019ll have the convenience of shopping with a reputable card brand, and we hold the funds in a savings account to secure your purchases. You pay off your card balance or make monthly payments by the due date each month, and your credit score goes up.<\/p>\n

Online budget\/financial management tools\u00a0<\/strong>\u2013 Widget Financial has partnered with\u00a0GreenPath Financial Wellness<\/a>\u00a0to provide you with access to free, one-on-one financial counseling, debt management services and financial education tools. As a member, you can take advanatage of this FREE service today!<\/p>\n

Rent payment reporting\u00a0<\/strong>\u2013 Make sure your rent payments are tracked and reported to Experian RentBureau, the only major credit reporting agency to include on-time rental payment data on its reports. Use of timely rent payments to build and boost credit scores is relatively new, and many people don\u2019t know about it yet.<\/p>\n

If you\u2019re already leasing a home, or looking to find a suitable property to lease, ask your management company if your payments are reported to Experian RentBureau. And if you pay rent to an individual rather than a management company, you can still take advantage of a service that collects your rent payments electronically, pays your landlord and reports to Experian. It may be possible to include your excellent rent payment history, too.<\/p>\n

Here\u2019s the important thing to remember \u2013 to use your timely rent payment history for building or rebuilding your credit, you\u2019ll need to be proactive about it. There are a handful of services that will collect, disburse and report for you, but of course, you\u2019ll pay a small fee for the service each month. You must contact them to pay the small fee, but it can be a valuable investment in building your credit score.<\/p>\n

Planning for a good credit rating is just as important as planning for major purchases and life transitions. The importance of a good credit rating means it can\u2019t be an afterthought and it shouldn\u2019t be left to chance.<\/p>\n

You\u2019ve made the decision to become a credit union member, and that\u2019s a step in the right direction! Give us\u00a0a call at 814.456.6231\u00a0to take a look at your credit score and to talk about options for improving it.<\/p>\n<\/div>

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The credit union has great tools to help you build a great credit rating. We can give you credit counseling, set up a credit builder loan, teach you how to make on-time rental payments part of your score, open a secured credit card account …<\/p>\n","protected":false},"author":1,"featured_media":5003,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[44,46,45,9],"class_list":["post-966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buildcredit","tag-buildcredit","tag-credit","tag-creditscore","tag-financial"],"yoast_head":"\nLet Widget Financial Help You Build Your Credit - Widget Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/10.130.206.81\/2020\/12\/27\/buildyourcredit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Let Widget Financial Help You Build Your Credit - Widget Financial\" \/>\n<meta property=\"og:description\" content=\"The credit union has great tools to help you build a great credit rating. 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