build credit Archives - Utah First Credit Union

May 09, 2022 / Credit

3 Financial Decisions that Follow You (And How to Successfully Start Over)

Everyone has a few financial regrets. No one is perfect with their money 100% of the time. But some financial faux pas are less forgiving than others. In fact, some can impact your credit for years to come and severely limit your financial flexibility. Here are three money missteps you should try to avoid and…

Oct 15, 2021 / Credit

4 Credit Tips for Financial Beginners (and Begin Again-ers)

Whether opening up your first account, applying for your first credit card, or depositing your first paycheck, every financial journey starts with a single step. For most, these first financial steps are exciting and new. But for those with colorful credit—whose financial journeys may have…

Jul 22, 2021 / Credit

Can You Still Get a Loan if You have Colorful Credit?

At Utah First, our members come from all walks of life. When it comes to credit, some have pep in their step and others have been told to take a hike by big bank lenders, who talk the talk, but don’t walk the walk with…

May 12, 2021 / Credit

3 Ways to Build Your Credit

When financial times get tough, credit scores can suffer. It’s one of the unfortunate facts of financial life. But having less-than-perfect credit (or no credit) doesn’t have to disqualify you from the kinds of quality loans and financial services that can help you both live…

Sep 17, 2020 / Credit

How to Research Your Credit Score Before Applying for a Car Loan

Your credit score and car loan are inseparably connected. In fact, your credit score is arguably the most important factor influencing your car loan. It impacts the interest rate you qualify for and the final price of the vehicle you buy. So, it’s important to…

Jun 11, 2019 / Home Equity

What is a Jumbo Loan?

If you’re in the market for a home with a mortgage over the traditional home loan limit of $484,350, you may also be in the market for a jumbo loan. Other than sounding somewhat intimidating, a jumbo loan is different from a traditional home mortgage…

Feb 05, 2018 / Credit

How Do I Begin Building Credit?

Credit – it’s the double-edged sword of modern society. With good credit, you can do a lot in this world. You can borrow money, buy a home, buy a car, and start a business. But, without it, your options can be severely limited. So, how…