12 Steps to Financial Wellness - Step 9: Build and Maintain an Excellent Credit Score

Step 9: Build and Maintain an Excellent Credit Score

Your credit score is a crucial part of your financial health. The three little numbers measure the capacity of your credit, the proficiency of your money management and your fiscal responsibility. An excellent credit score can open the door to large loans with better interest rates, as well as employment opportunities

Cash, Credit or Debit–How Should I Pay?

Cash, Credit or Debit–How Should I Pay?

Q: With inflation soaring, I want to spend my money in the best way possible. When paying for various every day and occasional purchases, should I be using cash, credit, or debit?

A: There’s a time and place for everything. Some purchases should be paid for with cash,

Beware of Debt Relief Scams

Beware of Debt Relief Scams

High debt can be a beast, taking huge bites out of a household or personal budget and destroying any chance of financial wellness. To make matters worse, being in high debt can mean being stuck in a desperate cycle that never ends, as payback is often accompanied by high interest rates that make it nearly impossible to get ahead. Unfortunately, scammers

6 Ways To Boost Your Credit Score

6 Ways To Boost Your Credit Score

An excellent credit score is the ultimate goal of the financially responsible consumer. Those three magic digits tell a story of accountability, good financial sense, and the ability to spend mindfully. A great credit score also unlocks doors for large, affordable loans; employment opportunities, and more.
Its significance notwithstanding, achieving and

6 Steps to Crushing Debt

6 Steps to Crushing Debt

You and debt are so over. You’ve just about had it with those endless piles of credit card bills and those hideous numbers that never seem to get any lower. It’s time to kiss that debt goodbye!
Getting rid of high debt will take hard work, willpower and the determination to see it through until the end, but it is doable. Here, we’ve outlined six steps to help you start crushing

National Credit Education Month - March 2020

March is National Credit Education Month

National Credit Education month is 31 days when Americans are urged to take another look at their finances. This can be done by reviewing your credit report, paying off debt, or putting money in a savings account. The most important part of this month is taking a look at your credit and

5 Reasons We Overspend (and How to Overcome Them)

5 Reasons We Overspend (and How to Overcome Them)

We’ve all been there. Maybe it’s that I-gotta-have-it urge that overtakes us when we see a pair of designer jeans. Maybe it’s that shrug as we reach for the $6 cup of overrated coffee that says “I deserve this.” Or maybe it’s that helpless feeling as the end of the month draws near and we realize we’ve

Ask About ValueCheck From Diamond Valley!

Ask About ValueCheck From Diamond Valley

When was the last time a financial institution asked you “What are your financial goals?” When you get a ValueCheck at Diamond Valley, this is one of the first questions we ask. ValueCheck is a program where “Our Focus Is Your Future” is more than just a tag line for our Credit Union.

When you come in

Category: Credit Union News

How To Dispute An Error On Your Credit Report

How To Dispute An Error On Your Credit Report

Quick-what’s your credit score?

As a financially responsible individual, you should be checking your credit on a regular basis. You can do this by signing up for free credit monitoring on a reputable website like 

Do My Monthly Bill Payments Affect My Credit Score?

Do My Monthly Bill Payments Affect My Credit Score?

Q: I’m working on improving my credit score, so I’m being extra careful about paying my bills on time. But, since I don’t see these payments reflected in my score, I’m wondering: Do my monthly payments, like utility bills, count toward my credit score? 

A: It’s

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