Your credit report and score affect your life in a number of ways. For starters, your credit score affects your ability to acquire a loan, rent an apartment, and sometimes, even qualify for a job.
A credit report shows your bill payment history, current debts, and other financial information. Companies and lenders use this credit report to calculate your credit score.
VantageScore and FICO are the two main credit scoring models. In each model, the credit score ranges are 300 for the lowest and 850 for the highest. Is it possible to earn a perfect credit score? Continue reading What is the Best Credit Score – Can You Reach ‘Perfect’?
Purchasing a home is a major life event and a large investment. Refinancing your home provides you the opportunity to leverage your investment, whether you need cash, want to lower your payment, or want overall better terms for your mortgage. Refinancing is getting a new mortgage to replace your home loan. When you refinance with your local credit union, you also take advantage of the closer relationship, better customer service, and lower interest rates that typically accompany banking with a credit union instead of a big bank. Continue reading Refinancing Your Home Loan With A Local Credit Union
Hyosung, the leading ATM manufacturer in North America, recently outfitted a local credit union in Madison, Wisconsin with a line of Interactive Teller Machines (ITMs). The installation of these new machines came just in time for the COVID-19 restrictions that were set in place. Continue reading News Release – Hyosung Brings ITMs to Three Branches of Dane County Credit Union
Many people get uncomfortable even thinking about managing their money. The topic can feel overwhelming and complicated.
Even if you are someone who gets jittery at the thought of investing and saving, there are some really useful financial basics that you can easily adopt. Embracing good financial habits creates a snowball effect. Continue reading Personal Finance Basics: 7 Essential Habits for Saving and Investing
Use your Dane County Credit Union debit Mastercard® to pay faster and smarter online – no more passwords to remember or accounts to create. Continue reading Pay Faster and Smarter Online with Click to Pay from Mastercard®
Cada 15 de septiembre al 15 de octubre de cada año, Estados Unidos reconoce y celebra la influencia a los que contribuyen y descienden de América Latina y otros países de habla hispana. DCCU está comprometido durante todo el año con el apoyo y el desarrollo de nuestra propia comunidad latina local. Continue reading Mes de la Herencia Hispana – 2020
Every September 15 – October 15 the United States recognizes and celebrates the influence and contributions of those descending from Latin America and other Spanish speaking countries. Dane County Credit Union has a long standing and year-round commitment to the support and advancement of our own local Latino community. Continue reading Hispanic Heritage Month Celebrated at DCCU – 2020
Mortgage rates continue to change, but they remain historically low, even with COVID-19 introducing volatility into current home interest rates. If you are considering buying a home, it might be a good time for you to lock in one of today’s historically low home mortgage rates. Yet, uncertain times have also caused lenders to mitigate risk by raising credit requirements and increasing down payment requirements. Continue reading Getting Approved With Today’s Home Mortgage Rates
We have all heard how incredibly important it is to save money. Saving money allows you to safeguard yourself with an emergency fund and secure your financial freedom into retirement. You have most likely heard the old adage “spend less than you earn,” but how are you supposed to spend less when life can be so expensive? We have some money-saving tips that can help. Continue reading How to Save Money Each Month – Best, Easy Ways to Save Money
There is no getting around it, cash flow is what fuels any business. In almost any business venture, generating a strong and consistent cash flow is one of the most important pillars for the success of your enterprise. Continue reading Businesses That Make Money Right Away – Strong & Early Cash Flow Ideas