{"id":5588,"date":"2021-11-26T17:25:49","date_gmt":"2021-11-26T17:25:49","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=5588"},"modified":"2021-11-26T22:54:11","modified_gmt":"2021-11-26T22:54:11","slug":"2-ways-to-boost-your-credit-score-during-the-holidays-at-our-credit-union-in-harlingen","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/2-ways-to-boost-your-credit-score-during-the-holidays-at-our-credit-union-in-harlingen\/","title":{"rendered":"2 Ways to Boost Your Credit Score During the Holidays at Our Credit Union in Harlingen"},"content":{"rendered":"<p>As the year comes to a close and holiday shopping begins, it\u2019s time to reflect on your finances. Some people may want to remove their debt, manage their budget, or improve their\u00a0<a href=\"https:\/\/www.vfcu.net\/cards\/credit-cards\/\">credit score<\/a>. A credit score typically ranges between 300 and 850, and the higher the number, the better. Credit scores may seem like a mysterious concept, but changing your credit score is as easy as changing your spending habits. We want to share a few tips that VFCU members can do to improve their scores naturally.<\/p>\n<h2>Know Your Credit Score<\/h2>\n<p>We offer a free credit score check through our\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/benefits-of-using-your-mobile-app\/\">banking app<\/a>! Several components go into a credit score, including:<\/p>\n<ul>\n<li><strong>Money owed \u2013<\/strong>How many creditors have you borrowed from?<\/li>\n<li><strong>Credit history \u2013\u00a0<\/strong>Do you have a variety of old and newly opened credit accounts?<\/li>\n<li><strong>History of new credit \u2013\u00a0<\/strong>How often are you applying for several accounts in a short period?<\/li>\n<li><strong>Type of account \u2013\u00a0<\/strong>Are you borrowing only credit cards, or is it a variety of loans, mortgages, etc.<\/li>\n<li><strong>Payment history \u2013\u00a0<\/strong>Do you pay your bills on time and pay the total amount or the minimum?<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-5589\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/11\/VFCU-2.jpeg\" alt=\"\" width=\"1200\" height=\"800\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/11\/VFCU-2.jpeg 1200w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/11\/VFCU-2-300x200.jpeg.webp 300w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/11\/VFCU-2-1024x683.jpeg.webp 1024w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/11\/VFCU-2-768x512.jpeg.webp 768w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/11\/VFCU-2-640x427.jpeg.webp 640w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 770px\" \/><\/p>\n<h2>Practice Smart Borrower\u2019s Habits<\/h2>\n<p>The top consumer credit bureaus in North America include Equifax, Experian, and TransUnion. According to Experian, you can slowly increase your credit score by:<\/p>\n<ul>\n<li>Setting up automatic bill payments.<\/li>\n<li><a href=\"https:\/\/www.vfcu.net\/loans\/share-secured-loans\/\">Apply for secured loans<\/a> to build credit.<\/li>\n<li>Don\u2019t max out your credit cards or get too close to your limit.<\/li>\n<li>Update your budget to include your credit card and loan payments.<\/li>\n<li>Avoid\u00a0<a href=\"https:\/\/www.vfcu.net\/2021\/05\/28\/3-steps-to-protecting-your-personal-information-with-our-brownsville-credit-union\/\">credit card scams and repair scams<\/a> that can damage your score.<\/li>\n<\/ul>\n<h2>Download Our Mobile App<\/h2>\n<p><a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/benefits-of-using-your-mobile-app\/\">Our mobile services<\/a>\u00a0can help you:<\/p>\n<ul>\n<li>Pay your bills on time with\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/checking\/\">Bill Pay<\/a>.<\/li>\n<li>Track your finances with our\u00a0<a href=\"https:\/\/www.vfcu.net\/mobile-banking\/\">Mobile Money App<\/a>.<\/li>\n<li>Send money to other people using\u00a0<a href=\"https:\/\/www.vfcu.net\/zelle\/\">Zelle<\/a>.<\/li>\n<li>Easily upload your checks through\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/mobile-deposits\/\">Mobile Check Deposit<\/a>.<\/li>\n<li>Shop for the holidays safely, using\u00a0<a href=\"https:\/\/www.vfcu.net\/2016\/09\/22\/apple-pay-has-arrived-vfcu\/\">Apple Pay<\/a> and\u00a0<a href=\"https:\/\/www.uchooserewards.com\/e\/members\/verifypasswd.php?sid=40XXdKrlo40&amp;login=true&amp;xfrom=home\" target=\"_blank\" rel=\"noopener\">U Choose Rewards<\/a>.<\/li>\n<\/ul>\n<h2>Contact Us our Credit Union in Harlingen<\/h2>\n<p>Learn how our services can boost your credit while you borrow.\u00a0<a href=\"https:\/\/www.vfcu.net\/contact\/\">Send us a message<\/a>\u00a0online if you are interested in getting\u00a0<a href=\"https:\/\/www.vfcu.net\/loans\/\">low-interest rate loans<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As the year comes to a close and holiday shopping begins, it\u2019s time to reflect on your finances. Some people may want to remove their debt, manage their budget, or improve their\u00a0credit score. A credit score typically ranges between 300 and 850, and the higher the number, the better. Credit scores may seem like a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5590,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52,74,56,59],"tags":[],"class_list":["post-5588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education","category-holiday-loan","category-loans","category-tips"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5588","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/comments?post=5588"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5588\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/5590"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=5588"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=5588"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=5588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}