Having good credit is like having a good relationship; you have to keep it positive to keep going. Building positive credit through The Credit Gal is the most powerful first step you can take in your personal financing.
This program will lower your interest rates and increase credit card limits. Combining your positive credit with Union Bank’s personal customer service, you will be able to reach the most financial opportunities in banking.
With three branches open in Canyon Country, Newhall, and Valencia, Union Bank has served Santa Clarita with financial and banking needs. Union Bank is proud to offer personal, small business, and commercial & institutional banking. To get started with Union Bank, all you need is a valid ID or passport.
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“All you need is your identification—government ID—and come in with an open mind. [Union Bank] actually helps you… decide what you really need or what. Hopefully we can help you achieve your personal goals,” said Reaves.
This personal attention is rare nowadays, as most companies rely mainly on their websites and automated phone lines for customer service. Union Bank will give you the personal touch that has been lost in modern technology.
“You can start a bank account as young as eight years old. We help you through all of those stages, with a savings, then into the checking account years, and into the mortgage years. We help you through all of it,” Union Bank.
Union Bank and Credit Gal: Educating in Financial Literacy
Union Bank and The Credit Gal emphasize the importance of financial literacy, especially at a young age. Both Credit Gal and Union Bank have programs that promote financial literacy for our youth.
“Union Bank is a huge sponsor of Junior Achievement [a non-profit organization that brings students hands-on, real world curriculum] and offers to visit schools and camps to educate kids about financing,” said Reaves.
Credit Gal works with Financial Education Services in a similar program. Their collaboration forms the Youth Financial Literacy Foundation.
“We educate kids from eight to eighteen on personal finance,” said Nokes. “It’s an in-home program. It’s a workbook. After eight weeks, we give them a certificate, a pizza party, and $500 per class.”
There are unique ways to rebuild credit. Nokes, Reaves, and Bui all agree that one way to rebuild positive credit is by using a secured credit card. You put up money for that line of credit, and that money becomes a limit. It’s kind of like a savings account. You put money into it, and then you spend money. However, the secured credit card not attached to a checking account or a debit card. You can spend money, but you need to pay the bill every month.
“My Credit Gal advice is this: To have the best credit score, you need to pay that off every month, or you need to pay it down at least 30% of the limit,” said Nokes.
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Union Bank, Helping You With Your New Business
If you are looking to open up a business, Union Bank is here for your commercial loan needs. Three years of experience an understanding of the industry are all you need to get started. Union Bank wants to ensure profitability for you and your business through strong communication.
“It is important that a business owner communicates a business plan and really paints the picture appropriately. It’s is very important, the dialogue between banker and business owner,” said Bui.
To open up more banking and financial opportunities with Union Bank, The Credit Gal is here for you. Because your personal line of credit affects your business loans, it is important that your credit score is as high as possible. Through credit restoration, The Credit Gal can help you obtain the best and lowest interest rate available.
“I had a situation recently when I had good business cash flow, and the husband’s credit was very strong and the wife’s credit was very weak. The husband had been to a credit restoration company [like The Credit Gal]… I had to turn the credit away and we weren’t able to do that refinance,” said Bui.
Nokes’ company will dispute has helped people for over ten years. They will dispute anything on the credit report, true or not under the Fair Credit Reporting Act, especially since 80% percent of the information is incorrect.
Union Bank has over 150 years of service; its staff of financial experts will help you with your investments, savings, and loans, and make sure you understand every single number on your statements.
Source: Santa Clarita News