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Help Spread the Word

 

Spread the word by telling others about your credit union.

 

 

 

 

Invite immediate family members to join.

 

Jobsite Visit– Notify the credit union of  the name and number of the HR manager to schedule a jobsite visit.

 

Website– Frequent our website and take advantages of all the services we have to offer.

Got ???s  We Have The Answer

Email your questions to

contact@team-wheelfcu.com

or

Write

ASK the TEAM

1405 Trade Mart Blvd

Winston-Salem, NC 27127

ASK the Team     ???

Q. What can I do to improve my credit score?

A. These are some  ways you can improve your score.

· Pay bills on time. Your credit history will improve immediately by making at least the minimum payments on time. If you have missed payments get current and stay current. The longer your history of paying bills on time, the better your score will be.

· Keep debt to a minimum.

· Keep balances low on credit cards and other revolving credit. High outstanding debt can negatively affect a score.

· Don’t close unused accounts, because a  zero balance might help your score.

· If you have been managing credit for a short time, don’t open a lot of new accounts too quickly, it will appear that there is a risk of your utilizing all of this new credit, therefore this additional credit could lower your score.

· Remember, it’s okay to request and check your own credit report. When you request your own report, it is considered a consumer inquiry. This won’t affect your score, as long as you order your report from the 3 major credit reporting agencies, Experian, Equifax and Transunion.

      You may obtain a free report by going to 

www.annualcreditreport.com.

· Do try to open a few new accounts if you’ve had credit problems in the past. Pay them on time and don’t max out your credit limits.

Your questions will be answered in the upcoming  Team Talk newsletters

Active Teamsters, retired Teamsters and immediate family of

Team & Wheel Federal Credit Union members are eligible to join.

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