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We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted. A reply is not considered necessary unless a difference is noted.
Kirtland CU branches and the Member Contact Center will be closed Monday, September 4 in observance of Labor Day.
If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.
By Brian Linnekens, FDCPA Expert
Six ways to improve your credit score real quick
If you find that your credit card and loans are not getting approved then you need to make sure that you improve your credit score if the reason for rejection is a low credit score. Credit score is the first thing that is checked when a financial institution approves a loan for a new car, land, new home or even a personal loan. In case you want to improve your credit score, it is not going to happen overnight. Improving the credit score is a long process which involves a lot of smart work from your end. Experienced Bankruptcy and Debt Relief Lawyer Mr. Brian Linnekens share some important tips which will help you to improve your credit score quickly and start afresh in terms of your credit health.
Study your dispute errors–
When you start working to improve your credit score, your first step is to study your dispute credit errors. You need to ask for a copy of your credit report from credit bureaus, be sure to look it over for errors. After knowing your credit errors you need to clear them. Seek help from professionals who will work with you on your dispute and help you correct the errors on your credit report.
Credit score generally look like this:
Don’t close your old credit accounts –
It is important to know, don’t close your old credit accounts even if you don’t use them anymore. If you already have credit cards, it will help you to improve your credit score. Try to pay your debts so that your score can be improved.
Get a new credit card –
If you want an improvement in your credit score try and get a new credit card. After getting a new card, if you are planning for a major purchase with your card go for it however make sure that you pay your bills on time. If you pay your bills and loan timely it will help you to increase your credit score.
Don’t make old mistakes and pay bills on time –
Do not make the same mistakes when you start new. Try not to be days past due the due date of clearing your credit card, loan or mortgage installment. Your small mistakes can damage your credit and hurt your credit score. So it is important to pay your loans and bills timely.
Contact an experienced Debt Relief Lawyer –
If you’re trying everything to improve your credit score but you still are not able to improve and you don’t know the way to improve your credit score then you need to consider consulting an experienced debt relief lawyer. A debt relief lawyer will provide you the best advice which is will help you improve your credit score.
Make a plan to improve your credit score –
Planning to do anything is pertinent. You need to plan to improve your credit score. To improve your credit score make a plan, ideally after consulting your debt relief attorney. Your plan needs to involve paying your debts and not closing your unused credit cards because this is a quick fix strategy to improve your credit score.