Building Good Credit

A good credit record can be a leveraging tool to owning large assets, such as a home or small business. Learning how to read your credit report, correct errors, and improve your credit score are critical skills needed to take charge of this area.

 Bad credit can prevent access to jobs, apartment rentals, and affordable car insurance. It can also steer low-income families toward predatory lenders. No matter how negative your credit history is now, it can be improved if you gain the necessary skills and follow through on remedying problems.

 Credit Reports

 Consumers can request a FREE copy of their credit report from each of the three credit bureaus – Experian, Equifax and Transunion – once every 12 months through

 Credit Builder Loan?

Credit builder loans are generally small loans that serve as a:

  • step loan to build a credit relationship with the community lender 

  • reportable line of credit to a credit bureau

  • loan that replaces asset-stripping debt (i.e. payday loans) with asset building credit

Do you have a dream or a goal? – This allows you to build assets through participation in financial education classes, Credit Builder microloans (TBD),

 Home Improvement Loans

To receive a home improvement loan, as the name suggests, the loan funds must be used to make improvements to a piece of property that is owned by the borrower. Any modifications, repairs or renovations that are intended should also increase the overall value of the property. Remodeling projects, room additions are among the types of home improvements.

Debt Consolidation Loans


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