Helpful Hints

- Protect your account. Make up a secret code that is easy to remember. Give it to those you trust.

- Give a "Gift Card" (to hold) for a gift. When it goes on sale, put the gift in lay-away in the person's name. The person can use it to take it out of lay-away. Like Valentines Day, Mother's Day, Christmas, etc.

- Pay off the highest interest Credit Cards ASAP and cut them up. See us about a Consolidation Low Interest Loan.

- Use one Credit Card (if possible). See us aboutLow Interest Consolidation Loan.

- Use the Credit Unions Direct Pay for Credit Report and correct it, if necessary.

- Check your Credit Report at least once every 2 years and if necessary, make corrections.

- Never carry more cash than you can afford to lose.

- Pay with a check it will be a great receipt.

- Always read the small print before you sign.