1 out of 3 Credit Reports Have Errors. Does Yours?

1 out of 3 Credit Reports Have Errors. Does Yours?

Did you know 1 out of 3 credit reports have errors? More than one-third of consumers have found at least one error on their credit report. Are you one of them?

Errors on credit reports are not uncommon, so staying up to date, reviewing your credit report is a must. We have a credit score solution that is not only FREE for you, our members/customers, but offers a variety of benefits to you including a download of your credit report. You can review your credit report anytime, anywhere.

Mistakes on your credit report can impact your score and your lending power. Some of the common errors found on credit reports are:

  • Personal Information Errors. Errors such as wrong name or address.
  • Account Errors. Credit accounts that consumers did not recognize as being theirs.

With our credit score solution, not only can you review and download your free credit report for errors, but you can also dispute any errors you might see right within the tool. You can check your credit score daily without any impact to score, receive real time credit monitoring alerts and learn about the factors that make up your credit score. Finally, you can also give our credit score simulator a spin and see how your current score would change based on a variety of different actions or events.

If you do not check your credit report, you will never know if it has errors. Do not let the likelihood of errors result in an impact to your credit score or higher interest rates and loan payments.

Enroll now and check your credit report today through your online banking!

What is the difference between a living will and a living trust?

What is the difference between a living will and a living trust?

These two very important estate planning devices are quite different from each other but serve similar purposes. A living will lets you manage your health-care decisions in case you become incapacitated. A living trust lets you manage your property in case you become incapacitated.

A living will is not actually a will at all. It is a legal document that becomes effective if you become so ill or injured that you can’t make responsible health-care decisions for yourself. It lets you approve or decline certain types of medical care in advance, even if you die as a result.
A living will is allowed only in some states. If you don’t live in one of those states, you may be able to accomplish the same goal using a durable power of attorney for health care, health-care proxy, or Do Not Resuscitate order.

By comparison, a living trust is just what it says. It is a revocable trust you create while you are living. You transfer property to the trust, and the trust then “owns” it. You name yourself as trustee and someone else as a successor trustee. You manage the property in the trust unless you become incapacitated (or until you die), in which case your successor trustee automatically steps in to continue managing the property for you.


Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CUSO Financial”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. The Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth management solutions company and is not a Registered Investment Advisor or broker-dealer. Investment products, services and advice are only provided through CUSO Financial, a subsidiary of Atria.