Need help decoding your credit report? We can assist! Let our Credit Score Analysts evaluate your credit report and partner with you on a clear plan to increase your credit score, lower your monthly payments and save you money! Credit Score Analysis — only for Nova CU Members!

Your Personal Nova CU Credit Score Analyst will explain:

• What makes up your credit score
• What may hurt your credit score
• What you can do to raise your credit score

CSA: Credit Score Analysis^™ is offered exclusively through Nova CU. You must be a Nova CU member to get a free CSA^™.

If you need an over-all view of your finances, need assistance in planning a budget, need guidance in both paying off outstanding bills and creating a savings plan, our Nova Account Managers can help.

Nova CU Account Managers have received extensive training through HERO — Helping Everybody Reach Opportunities and have been certified as financial counselors.

Nova CU Account Managers will meet with you and coach you one-on-one to achieve your goals. We consider financial education a partner process and not a lecture and we want to help you succeed. Any Nova CU Member is eligible for Financial Coaching. Contact Us to get started.

You could use your current auto, even if it's paid off, to improve your credit score steadily and sensibly! If you are still paying on your car loan, at another bank or dealer, let Nova CU's Financial Coaches review your loan and see if we can refinance it into a lower payment and interest rate for a Credit Builder Auto Loan.

Community Development Financial Institutions (CDFI) like Nova Credit Union, are community financial institutions (cooperatives) dedicated to providing financial services to meet the needs of economically disadvantaged individuals in under-served communities. CDFIs are certified by the U.S. Department of the Treasury. For more information, visit our Resources page.

Teen members may use Steps to Stellar Credit, an easily followed plan that will enable you to build yourself a positive credit history. By following the step-by-step program, you will be able to sign for a loan — without mom or dad signing with you. You'll also be able to create a positive credit history and an excellent credit score BEFORE you graduate from college!

Part 1

• Save monthly until you reach $500 in your Nova CU savings account
• Apply for a Secured $500 loan using your savings account as collateral as soon as you turn 18
• Deposit the $500 loan proceeds (cash) in your savings account

Part 2

• Set up automatic monthly payments from your savings account using the $500 cash from the secured loan you just made!
• Pay off $500 loan in ONE YEAR
• Now you have a history of making loan payments on time, paying off a loan quickly (at very little cost to you), resulting in a positive credit score!

Call or email an Account Manager today to start you on the Steps to Stellar Credit program!