Loan & Credit Management

Loan & Credit Management Center

• Borrowing and Repaying Loans
• Building Credit
• Solving Credit Problems

• What Affects Your Credit Score the Most?
  

  

  While many people know credit scores matter, fewer understand what actually affects them the most. The good news? Your credit score is influenced by a small number of clear, controllable factors—and understanding them puts you in a better position to manage your credit with confidence. We break down the most important factors that affect your credit score, in plain language.

• Fixed vs. Variable Rate Loans: Which One Is Right for You?
  

  

  When you’re applying for a loan, one of the most important decisions you’ll make is choosing between a fixed rate loan and a variable rate loan. The interest rate you select affects your monthly payment, your long-term costs, and how predictable your loan will be over time.

• Your Debt-to-Income Ratio: What It Is and How to Improve It Fast
  

  

  When you apply for a loan, lenders don’t just look at your credit score—they also look closely at your debt-to-income ratio, often called your DTI. This single number can determine whether you’re approved for a loan, how much you can borrow, and what interest rate you’ll receive.

  At your credit union, we believe informed members make better financial decisions. Here’s a clear, simple guide to what your debt-to-income ratio is, why it matters, and how to improve your DTI quickly.