Friday, April 30, 2010

The Summit Credit Union

The summit credit union provides a wide range of personal and financial services for people who live and work in south central Wisconsin area: counties of Dane, Sauk, Columbia, Jefferson, and Dodge. The summit credit union website can be accessed by typing the www.summitcreditunion.com at your web browsers web address box. The summit credit union website is professionally designed and is full of information about the services and products offered by the summit credit union and various useful features and tools. The online account access feature offered at the summit credit union website is probably one of the most important features. It allows summit credit union customers to access their accounts and perform various account activities online.

The list of services and products offered by the summit credit union includes the checking and savings accounts, loans and credit cards. Many different types of loans are offered to the summit credit union customers: first mortgage, special mortgage programs, home equity loans and lines of credit, vehicle loans, personal loans, credit cards and many others. The summit credit union customers can apply online for one of these loans. The credit cards offered by the summit credit union offer multiple benefits: no annual fee if you charge $5,000 per year, travel planning assistance, travel discounts, travel insurance protection, identity theft protection, emergency travel assistance, and many others.

The information and resources page of the summit credit union website also offers a lot of interesting information, features and tools: anytime adviser, auto resource center, check reorders, debt management, the summit credit union educational seminars, e-mail fraud information, summit credit union fee and charge schedule, financial calculators, free credit report/fact act information, home and family finance page, investing information, online forms and a lot of others. Customers of the summit credit union will definitely enjoy these features.

Thursday, April 29, 2010

The Oregon Community Credit Union

The Oregon community credit union is a financial institution that provides services and products to the University of Oregon and Lane Community College students, employees, alumni, and AARP members. The current and prospective members of the Oregon community credit union must be living in Lane County. The list of services and products offered by the Oregon community credit union is impressive and includes online services, Internet banking, checking accounts and investing options, various loans and credit cards, and many others. The Oregon community credit union also offers multiple business services to the owners of small and medium businesses: from savings and checking to merchant services.

The Oregon community credit union wants to build such member relationships where the union members would trust the union and the fact that their banking is secure. Members� security is of the top priority. All members� financial information that the Oregon community credit union has is protected. The transfer of the financial information through the Oregon community credit union website is secured through encryption. The Oregon community credit union makes the most of any possible security measure just to make banking completely secure and safe for members.

The Oregon community credit union is a very convenient banking institution. Besides multiple convenient locations, extended hours are available, drive-up times are longer and the night deposit and payment drop-offs are provided. The Oregon community credit union is very sensitive to members� feedback. The customers� suggestions are being carefully studies and frequently acted on. Any Oregon community credit union member can write or email the customers satisfaction department to suggest any improvement or provide a notification of a possible problem. The Oregon community credit union is proud that it receives mostly the appreciation letters, many of which talk about the professionalism of the union employees.

Tuesday, February 23, 2010

How To Get Rid Of A Bankruptcy On Your Credit Report?

The question how to get rid of a bankruptcy on your credit report is a very interesting and valuable question. Not many people know how to get rid of a bankruptcy on your credit report and having this knowledge is very valuable for your financial stability. So how to get rid of a bankruptcy on your credit report? This is very hard and in many cases is impossible. The worst case scenario is, however, when you get the bankruptcy record posted on your report in error. This is definitely where knowing how to get rid of a bankruptcy on your credit report will help. The answer here is to file the dispute with the credit reporting bureaus right away and try to prove that the error has happened.

Another way how to get rid of a bankruptcy on your credit report is just to wait. Depending on the time when your bankruptcy happened, it might be wise just to wait. If you know how to get rid of a bankruptcy on your credit report, you will know that the bankruptcy record will be automatically removed from your report after some time has passed and if you are close to that time, waiting might be the best answer.

As you see, knowing how to get rid of a bankruptcy on your credit report is very valuable. However, timing is very valuable too. When you combine the knowledge of how to get rid of a bankruptcy on your credit report with the correct timing, you will increase your chances to succeed in removing this bankruptcy record. So whenever you get a chance to read something about how to get rid of a bankruptcy on your credit report, remember that, as this knowledge may help you in the future.

Monday, February 22, 2010

Houston Energy Credit Union � Get The Benefits You Deserve

The Houston energy credit union website is available at the following web address: www.houstonenergycu.com. The Houston energy credit union is a union that allows everyone who work or live in downtown Houston area and select employer groups in the Houston area to join as members of the Houston energy credit union. The Houston energy credit union is chartered and supervised by the State of Texas. The Houston energy credit union offers a secure way of banking. The reason for that is the fact that each client of the Houston energy credit union is ensured by the National Credit Union Administration for up to $100,000.00. This security benefit is very important for the prospective Houston energy credit union clients.

The Houston energy credit union offers its clients a number of products and services. The list of Houston energy credit union products and services includes but is not limited to savings accounts, checking accounts, loan services, convenience center, loan calculator, online forms and applications, and many others. The customers of the Houston energy credit union can enjoy the online account access feature, which allows them to access their Houston energy credit union accounts online and perform many account activities online. The free online bill pay is also available to Houston energy credit union members.

The Houston energy credit union also offers a number of loan types to its members. The list of loans includes but is not limited to auto loans, credit cards, unsecured signature loans, premier lines of credit, secured loans, real estate loans, RV and watercraft loans, and others. The credit cards and loans offered by union provide a very competitive interest rate, which union customers will definitely enjoy. There are also many other products offered by Houston energy credit union.

Saturday, February 20, 2010

The Greenville Heritage Credit Union

The Greenville heritage credit union offers banking, financial and investment services for any person who lives, works, worships or attends school in Greenville County. There is no need to work for a specific company to join the Greenville heritage credit union. As long as you live or work nearby, you are eligible and can become the Greenville heritage credit union member. There are multiple products and services offered by the Greenville heritage credit union. The products and services offered by the Greenville heritage credit union are very advantageous to its current and prospective members. The specific Greenville heritage credit union products are described below.

The list of Greenville heritage credit union savings and checking accounts include the traditional savings account, certificates of deposit, Christmas club accounts, vacation club accounts, newborn accounts, graduate accounts, IRAs and checking accounts. The Greenville heritage credit union also offers its members various loans for all purposes: new and used vehicle and boat loans, new farm equipment loans, home equity loans, Greenville heritage credit union first and second mortgages, revolving lines of credit, short term notes, checking overdraft lines of credit, certificate and share secured loans, tax advantage loans, Christmas and vacation loans, and many others.

The list of other services offered by the Greenville heritage credit union includes but is not limited to no fee ATMs, safe deposit boxes, audio response system, night depository, travelers checks and travelers express money orders, discount tickets, Greenville heritage credit union account direct deposit and payroll deduction and free notary service. The Greenville heritage credit union also offers a lot of useful information is available to the union members on the union�s website. The Greenville heritage credit union online banking feature allows union customers to perform various account activities online from their home computer.

Friday, February 19, 2010

How Can You Get A Free Credit Report � The Options Available To You

There are several ways to get a free credit report from one of the credit bureaus. First of all, if you ordered a credit report from one of the three credit bureaus, they will usually allow you to access a free credit report for the 30 days after the order. This is. However, a free credit report only after you paid for the initial order. It is a good idea to keep in mind that any time a bad record is placed on your report or your request for credit is declined, you can get a free credit report. These are another two ways to get a free credit report and these two ways will save you some money.

First of all, you can get a free credit report if you got your request for credit or loan declined. If this case you will usually receive a written notice that your request for credit was declined and that you are entitled to a free credit report. Remember that you are entitled to a free credit report by law and a credit bureau that provided the information to the company requesting your credit record is required by law to issue you a free credit report. However, if you want your free credit report, you will have to request it from the credit bureau in writing and by attaching a letter stating that your request for credit was declined.

Another option to get a free credit report is if you had a negative item placed on your credit report and a credit agency notified you about that in writing. In this case you can request a free credit report to be sent to you during the 30 days after the receipt of the original letter.

Wednesday, February 17, 2010

Credit Score Increase Times � What Influences Them?

As you probably already know, credit score increase times vary a lot and completely depend on what activity influences them. This article will mention what will influence your credit score increase times and what activities can make these credit score increase times faster. First of all, when you make the regular monthly payments for your debt, utilities, phone service and other bills, this will increase your credit score. However, this is a more gradual way to increase the score and the credit score increase times will depend on the number of bills that you pay and the number of the companies who you pay these bills to that report to credit reporting bureaus.

One thing that will raise your credit score increase times will be the situation when you repay some type of the loan and this gets reported on your credit report. Let�s say, for example, that you just paid off the car loan that you had. This is a very positive activity and your credit score increase times will be much shorter since your credit will rise faster. The larger is the loan that you repay, the shorter the credit score increase times.

Another thing that influences your credit score increase times is how many credit cards you have and how you pay the monthly repayments to these credit cards. If you have several cards and you make regular payments, your credit score increase times will become a little shorter. Remember that the more positive activity you have on your credit report, the shorter your credit score increase times will be. On the contrary, if you will have a negative activity posted to your report, this will significantly lengthen you credit score increase times or can even lower your credit score in many cases.