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Personal and Business Banking

Credit and Credit Management

StreetWise Consumer Education Program

  • Introduction

Credit and Credit Management

For most people, the major purchases in life – home, car, college education, home improvements – are difficult or impossible without credit. Loans allow you to spread the expense over time, making these purchases affordable. This section of StreetWise will talk about credit – how it works, how to use it responsibly, how to know if you are having difficulty with credit, and what to do if you are.

Where can I get additional information on managing credit?

DCU has partnered with BALANCE, a financial fitness program, that offers DCU members free, unbiased financial information and assistance. Their website at describes their services and has some helpful online publications. They also have many online calculators that can help you solve common financial problems.

Another great way to start learning more about what shape your personal credit is in is by signing up for DCU's FICO Credit Score Service – included free with DCU's FREE Checking.