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BLOG | CREDIT
4 min read | July 31, 2024
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BLOG | CREDIT
3 min read | May 30, 2024
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BLOG | BUDGETING
1 min read | May 22, 2024
Budgets can feel a little overwhelming starting out, but as consumers, one thing we should have full control over is our money. Let’s break down the 50-30-20 budgeting plan and see if it will work for you.
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BLOG | FRAUD
2 min read | November 16, 2023
When you get a call from an unsolicited number about donations, national tragedies, or even phony IRS or debt collections, you may wonder how they got your number — and what their true motive is for calling you.
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BLOG | CREDIT
3 min read | November 16, 2023
Your credit score is a 3 digit number that ranges from 300-850. This 3 digit # represents how likely you are to pay your bills on time.
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BLOG | FRAUD
3 min read | November 16, 2023
Fraud comes in many forms, and one of those forms now includes text messaging or smishing, when a scammer aims to steal personal information through text messages. Learn to recognize a suspicious text message and protect your identity.
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BLOG | FRAUD
1 min read | November 16, 2023
Fraud happens every day, and fraudsters are getting more and more creative with their tricks. It’s important we are familiar with different types of fraud and how to prevent them.
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BLOG | CREDIT
1 min read | November 16, 2023
There's a lot to consider when determining the right credit card option for you including how you plan to use it and the associated interest rate.
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BLOG | BUDGETING
2 min read | November 16, 2023
Over the last few months in the finance world, there has been a lot of talk about the Federal Reserve System (Fed) “raising rates.”
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BLOG | CREDIT
3 min read | November 16, 2023
Your financial reputation is reflected in your credit report, and you have three versions — one with each major credit bureau. While the information will be similar, it may not match exactly. Learn what to look out for in your report.
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BLOG | BUDGETING
1 min read | November 16, 2023
Over the past few months, the economy has been in a decline. Stock markets have been bearish, and inflation has been rising. There have been talks of preparing for a possible recession, but what does that mean?
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BLOG | CREDIT
1 min read | November 16, 2023
Many people talk about the importance of having a good credit score because it helps you get a good rate on a new auto loan or mortgage, or even securing a lower insurance payment. But not everyone is aware of what’s on their credit report.
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BLOG | CREDIT
2 min read | November 16, 2023
Building and maintaining positive credit history is crucial to achieving financial stability. Credit scores and reports are used for loan approvals and rates, rental applications, employment applications, determining of insurance rates, and more.
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BLOG | CREDIT
2 min read | November 16, 2023
A payday advance, also known as payday loan, cash advance, or check advance loan is a short-term, high-interest loan that a consumer can apply for when they’re in a financial pinch. It may sound simple, but the cycle could be dangerous.
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BLOG | CREDIT
2 min read | November 16, 2023
Credit card utilization can impact up to 30% of your credit score making it one of the most significant factors in the calculation, so it’s important to understand what it is and how to use it to increase your score.
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BLOG | CREDIT
3 min read | November 16, 2023
Credit card offers are virtually everywhere! Many of us receive them in the mail or are asked if we’d like to open one when we visit our favorite store or financial institution.
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BLOG | FRAUD
2 min read | November 16, 2023
Every day, more investors enter the market and so do more fraudsters looking to take advantage of increased participation in the stock market and people with limited investing knowledge. The best protection against fraud is knowledge.
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BLOG | CREDIT
2 min read | November 16, 2023
One of the biggest purchases you will ever make will be your first home. It will be exciting, stressful, and joyful at the same time. When you decide you’re ready to make this leap, make sure you’re prepared and making the right choice.
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BLOG | FRAUD
2 min read | November 16, 2023
Social media platforms are a great place to share our experiences and interests, as well as communicate and coordinate events. Unfortunately, they are also a potential gold mine for identity thieves.
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BLOG | FRAUD
2 min read | November 16, 2023
Social media quizzes asking you to answer common personal questions may seem innocent, but when you respond, you’re sharing information online that could provide cyber criminals with the info needed to unlock your financial accounts.
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BLOG | CREDIT
2 min read | November 16, 2023
Getting out of debt isn't as easy. When keeping up with financial obligations becomes problematic, it’s time for a change. Learning healthy spending, saving, and budgeting habits will help improve your relationship with finances.
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BLOG | FRAUD
2 min read | November 16, 2023
The central concept of the pyramid scheme is to move up to the highest level. We all want to become high-level investors and earners. But pyramid “investments” are considered schemes because they frequently unsuccessful and can be illegal.
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BLOG | CREDIT
2 min read | November 16, 2023
You may be told you’re not approved for a loan because you don’t have a credit history, but the reasoning is not the same as someone who is denied because of poor credit history. And the steps toward approval are quite different.
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BLOG | CREDIT
1 min read | November 16, 2023
Credit plays such a big role in our lives because it can be attached to so many things. Do you know how to pull your own credit report to make sure everything is correct?
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Oakland University Credit Union, OUCU, is a licensed trade name of Michigan State University Federal Credit Union. MSUFCU remains the legal entity behind both brands, MSUFCU and OUCU. Federally insured by NCUA. Equal Housing Lender.
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