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Credit unions are not-for-profit and owned by their members, so they often have your best interest in mind. They usually offer credit-builder loans with lower fees and better interest rates than many banks or online lenders. They are also more likely to work with you if you’re just starting out or have a thin credit file. People often say credit unions feel more like a community, which can be less stressful when you’re new to building credit.
Whether you’re downsizing or moving closer to family, good credit makes it easier. If you want to rent an apartment in a nice community, landlords will check your credit. A high score makes you a more attractive tenant. If you’re considering a reverse mortgage or a new mortgage for a different home, excellent credit gets you the best possible terms and lower fees, leaving more money in your pocket every month.
You should check it about once a month. Checking your own score through your bank does NOT hurt it—that’s a myth! A monthly check lets you see if your good habits are paying off. It also helps you catch mistakes or fraud quickly. Think of it like a monthly health check-up for your finances. Just set a reminder on your phone to log in and take a quick look. It only takes a minute.
The easiest way is to set up automatic payments for at least the minimum amount due. You can also use a calendar on your phone with alerts a few days before each date. Another great trick is to pick one or two specific days each month to check all your accounts online. This way, you won’t be surprised by a due date you forgot about and you can avoid late fees.
