Sometimes you are faced with taking steps to repair tarnished credit. Here are four steps to help make that happen.
Step #1: Determine your score – One Nevada's free Credit Score service helps you monitor your credit profile 24/7/365 to ensure there's no suspicious or fraudulent activity. Simply log in to Online Banking or our Mobile App and tap ‘Credit Score'.
Step #2: Review your report and dispute any errors – If you spot any errors on your credit report, dispute them in writing. You'll also need to dispute the charge with your actual creditor.
Step #3: Take steps toward fixing your credit – If you're always late with your credit card payments, set up an automatic bill-pay system. If your debt isn't going anywhere, rethink your spending habits. Also, consider debt consolidation or a balance transfer to an interest-free card. And, finally, find ways to increase your income, using all extra cash for paying down your debt.
Step #4: Ask us for help – We're always happy to help you with any financial situation!
At One Nevada Credit Union, we offer vehicle loan terms of up to 75 months (5 years). You won’t make any payments for the first 90 days when you finance directly with us. Start your online application today.