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American Express Travelers Cheques
Travelers checques are safer than cash. Wether you're taking a quick weekend getaway or a cross country journey, don't take any chances. Travelers cheques give you peace of mind. If they are lost or stolen they can be replaced, usually within 24 hours. We offer convenient denominations of $20, $50 and $100. Call or stop by the credit union before your next vacation.
Here are some useful sites for Money Management and Financial Planning.
VISA www.visa.com
Standard & Poor's Personal Financial Site
www.personalwealth.com
Quicken www.qfn.com
Money Magazine www.money.com
When setting financial goals, be realistic; state your goals in specific measurable terms within a timeframe.
Create a budget
Monitor Spending Habits
Make needed revisions in your budget. This is an ongoing process.
Finally, when creating and implementing a spending plan, remember that an effective budget should be well planned, realistic, flexible and clearly communicated to all household members.
FICO Score Info
Credit scores measure your risk to a lender. Here are a few items that are incorporated in your score.
1. Payment History
This is the most important category. The worst thing a consumer can do is make a late payment or not make a payment at all.
2. Capacity
Capacity is simply the amount owed. The less owed the better the score will be. It is a member's best interest to keep balances low on all revolving accounts.
3. Length of Credit History
Lenders look for applicants with long credit histories.
4. Type of Credit
Your score is determined by a mix such as credit cards, mortgages and consumer finance accounts.
5. New Accounts
This factor reviews the number of new credit accounts opened, how long open, the number of recent requests for credit and length of time since your credit was pulled.
Enjoy another ATM Benefit from SoundView FCU!
To find an ATM in the CO-Op network log into
www.co-opnetwork.org
As a member of SoundView FCU, you can now use your ATM card at over 19,000 ATMS worldwide. Access your money surcharge free at any ATM displaying the CO_OP Network logo.
The CO-OP network provides access to a regional and worldwide network of ATM's with a solid reputation for service and reliability. In addition CO-OP ATM's are now located in all 7 Eleven Stores.
Free Credit Reports
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. You can order your free annual credit report online by clicking the icon on the left side of our home page or by calling 1-877-322-8228.
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