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TRUITY CREDIT UNION · One on One With a Professional

• 0:02
  Speaker 1: Good morning, good morning, good morning. Welcome, welcome, welcome. It
• 0:05
  Speaker 1: is a time now.
• 0:06
  Speaker 2: For two on what was the problem as we speak
• 0:08
  Speaker 2: with our friends here from a Truity Credit union. And
• 0:12
  Speaker 2: it's great to have everybody in here today. Beautiful day, today,
• 0:15
  Speaker 2: beautiful day.
• 0:16
  Speaker 1: All the way around.
• 0:18
  Speaker 2: We have Stephen Meyer and also Laura Gorman in today and.
• 0:23
  Speaker 1: We got a little bit about credit. Everybody likes to
• 0:26
  Speaker 1: get credit for something.
• 0:27
  Speaker 2: Well, this time we're talking a little bit about credit
• 0:31
  Speaker 2: as far as money is concerned and how you can
• 0:35
  Speaker 2: obtain credit. So Steve, first of all, it's identified what
• 0:38
  Speaker 2: is credit, Stephen, So, credit.
• 0:42
  Speaker 3: The real technical term for it, not technical generic term
• 0:45
  Speaker 3: for it is a credit is an agreement between a
• 0:48
  Speaker 3: borrower and the linda and typically that agreement involves interest
• 0:53
  Speaker 3: earned over time. Okay, So that's just the basic definition
• 0:56
  Speaker 3: of what is credit, okay, Alan.
• 0:58
  Speaker 2: Basically, how does one obtain I guess I say, how
• 1:02
  Speaker 2: do you develop?
• 1:03
  Speaker 1: How do you build up good credit?
• 1:05
  Speaker 3: So credit that what people are most commonly referring to
• 1:08
  Speaker 3: when they say you know what your credit look like?
• 1:10
  Speaker 3: They're meaning you're what's your credit score? So credit score
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  Speaker 3: is typically a three digit number between two fifty and
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  Speaker 3: nine hundred. And the way that you build that credit
• 1:20
  Speaker 3: is taking out loans. You actually get credit built by
• 1:25
  Speaker 3: getting loans from banks, credit unions, other lenders, financial institutions.
• 1:31
  Speaker 3: So the credit score, like I said, two fifty is
• 1:34
  Speaker 3: a low number. Nine hundred is the highest you can get.
• 1:37
  Speaker 3: A good credit scorer is probably in like the seven
• 1:40
  Speaker 3: hundred range. A great credit score is an eight hundred,
• 1:44
  Speaker 3: and that'll get you the best rate on things. So
• 1:47
  Speaker 3: banks and credit unions are not required to actually report
• 1:51
  Speaker 3: things to credit, so the credit is actually it's a
• 1:57
  Speaker 3: voluntary thing for us to report credit to the bureaus.
• 2:00
  Speaker 3: So there's three different bureaus out there. There's TransUnion, Equifax.
• 2:03
  Speaker 1: And Experience.
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  Speaker 3: So these three bureaus have all this information from all
• 2:08
  Speaker 3: the different lenders and they kind of keep track of
• 2:10
  Speaker 3: what all the banks and credit unions send to them.
• 2:13
  Speaker 3: So over time, to build your credit, you want to
• 2:16
  Speaker 3: take out as multiple loans, not as many loans as
• 2:19
  Speaker 3: you can, but multiple loans, different types of loans. So
• 2:22
  Speaker 3: like say you have a credit card loan, you've got
• 2:25
  Speaker 3: an auto loan, you've got a mortgage loan. The more
• 2:28
  Speaker 3: different types of loans you have can help your credit
• 2:31
  Speaker 3: and also paying regular timely payments.
• 2:34
  Speaker 1: It's kind of important.
• 2:36
  Speaker 3: It's very important to pay them timely. Yes, timely is
• 2:40
  Speaker 3: a very important guess.
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  Speaker 2: Because if you don't pay them at all, that's going
• 2:44
  Speaker 2: to go down to like a golf score real quick.
• 2:46
  Speaker 1: Yeah.
• 2:47
  Speaker 3: To get the best credit score, it takes a little
• 2:50
  Speaker 3: bit of time. So you have to have multiple loans
• 2:52
  Speaker 3: out there, and you have to make the good payments,
• 2:54
  Speaker 3: and it takes.
• 2:54
  Speaker 1: A couple of years to build up your credit score. Wow.
• 2:57
  Speaker 2: I remember in college I wanted to buy something and
• 3:01
  Speaker 2: they said, well, let's get you on the credit plan.
• 3:04
  Speaker 1: I said, well, what's that?
• 3:05
  Speaker 2: Being just a rogue from Indiana in the nineteen seventies,
• 3:10
  Speaker 2: I said, you mean in order for me to buy
• 3:12
  Speaker 2: something here, you want me to finance it for eighty dollars.
• 3:15
  Speaker 2: I'll come back when I got eighty dollars. And I
• 3:18
  Speaker 2: didn't realize that the guy was trying to help me. Yeah,
• 3:20
  Speaker 2: because I was twenty. He said, this is how you
• 3:26
  Speaker 2: developed this. And then then I kind of went back
• 3:29
  Speaker 2: hit the books and learned a little something about it.
• 3:31
  Speaker 1: But it is important, especially when you're younger.
• 3:34
  Speaker 2: If your parents haven't taught you about it, get on
• 3:36
  Speaker 2: the barn of the folks at Truity, and you can
• 3:39
  Speaker 2: talk to Stephen.
• 3:40
  Speaker 1: Or Laura about this.
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  Speaker 2: Now, Laura, what are some of the common misconceptions about credit?
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  Speaker 4: Well, there's a lot, but there's three that I really
• 3:49
  Speaker 4: like to highlight for folks trying to understand credit. The
• 3:52
  Speaker 4: first one is there's only one score. So, as Steven
• 3:56
  Speaker 4: alluded to, there's three credit bureaus, TransUnion, Equofox, Experience, and
• 4:00
  Speaker 4: they each calculate a credit score differently. And then within
• 4:05
  Speaker 4: the bureaus they have what are called score models, So
• 4:08
  Speaker 4: there are different models utilized for different purposes. So if
• 4:13
  Speaker 4: you want to evaluate someone's ability to repay on a mortgage,
• 4:17
  Speaker 4: you may have a model that's very heavily weighted on
• 4:20
  Speaker 4: their secured performance, how they pay auto loans, mortgages, things
• 4:23
  Speaker 4: of that nature. If you're extending credit for a credit
• 4:26
  Speaker 4: card or an unsecured loan, you want to understand what
• 4:29
  Speaker 4: their performance history for unsecured repayment looks like. So each
• 4:34
  Speaker 4: each bureau looks differently, and then within those bureaus they
• 4:39
  Speaker 4: have different score models depending on what the lender really
• 4:42
  Speaker 4: wants to evaluate, and those do evolve over time. There's
• 4:46
  Speaker 4: new models called a vantage score. That is essentially all
• 4:50
  Speaker 4: three bureaus that came together and said, hey, let's collaborate,
• 4:53
  Speaker 4: let's develop this score model. The newer ones are very predictive,
• 4:58
  Speaker 4: so they're not including some medical collecttiontions, you know, we
• 5:02
  Speaker 4: call them slow pays, but over thirty days on certain
• 5:04
  Speaker 4: tradelines don't impair your credit score quite as much. So
• 5:08
  Speaker 4: as things evolve in the industry and just consumer behavior,
• 5:12
  Speaker 4: those score models evolve too. So it's kind of like
• 5:14
  Speaker 4: an iPhone, you have all these updates. So score models
• 5:18
  Speaker 4: are kind of like that. They're the updated score predictor
• 5:21
  Speaker 4: for how someone's actually going to repay on credit. So
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  Speaker 4: that's the biggest one because we hear that a lot,
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  Speaker 4: Hey I looked at credit Karma and this is my
• 5:31
  Speaker 4: score model. But then they apply for a loan and
• 5:33
  Speaker 4: we have something different. And so that's why it doesn't
• 5:36
  Speaker 4: mean that one is wrong or one is right. It
• 5:38
  Speaker 4: just means there might be a different bureau and a
• 5:41
  Speaker 4: different score model. The other thing is people have this
• 5:45
  Speaker 4: misconception that if you check your credit score it hurts it.
• 5:50
  Speaker 4: It's good to check your credit because fraud is so prevalent.
• 5:54
  Speaker 4: Unfortunately these days, people you know, these scams seem so legitimate,
• 5:59
  Speaker 4: and so people are going to buy their home or
• 6:01
  Speaker 4: buy a car and then surprise, someone stole their identity
• 6:05
  Speaker 4: and they've opened all these tradelines that they know nothing about.
• 6:08
  Speaker 4: So it's great to check your credit score. I think
• 6:10
  Speaker 4: it's a free annual credit report dot com. You can
• 6:13
  Speaker 4: get a free report each year from each of the bureaus.
• 6:17
  Speaker 4: So we say every four months, go ahead and get
• 6:19
  Speaker 4: one of those from each of the bureaus. Because some
• 6:22
  Speaker 4: institutions may report to TransUnion, only some may report to Equifax,
• 6:26
  Speaker 4: so it's good to see what each of.
• 6:28
  Speaker 5: The bureau reports.
• 6:29
  Speaker 4: One thing that Truity really prides itself on is obviously
• 6:33
  Speaker 4: serving our members. And so when you become a member,
• 6:36
  Speaker 4: we have free digital banking, and when you enroll in that,
• 6:39
  Speaker 4: we have a tool and it's called my Credit. It's
• 6:42
  Speaker 4: completely free, you're automatically enrolled and you get a free
• 6:46
  Speaker 4: daily credit report. It's through TransUnion. But you can see
• 6:49
  Speaker 4: your score, you can see your tradelines, your payment history.
• 6:53
  Speaker 4: If you want to set financial goals for yourself, say
• 6:56
  Speaker 4: you're that you know that twenty year old adult young
• 6:59
  Speaker 4: adul who is wanting to establish credit because you want
• 7:03
  Speaker 4: to buy a house. It helps you set up those
• 7:05
  Speaker 4: goals so you can achieve what you want with your
• 7:08
  Speaker 4: credit and be able to qualify for the home loan
• 7:13
  Speaker 4: or the card loan later on. And then also, I
• 7:16
  Speaker 4: think the other big misconception is closing credit cards will
• 7:19
  Speaker 4: help your credit score. When you think of credit scores,
• 7:23
  Speaker 4: a third of it, as you and Stephen talked about,
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  Speaker 4: just pay on time, that's about a third of your score.
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  Speaker 4: But another third of that is what we call capacity,
• 7:31
  Speaker 4: and that's your ability to borrow. So when you have
• 7:33
  Speaker 4: credit cards and you max them out, it reduces your capacity,
• 7:38
  Speaker 4: which can drop your score. But say you pay one
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  Speaker 4: of those off, well, you have the ability to borrow
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  Speaker 4: on that card that you've paid off, so you have
• 7:46
  Speaker 4: better capacity, which means your score can go up. So
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  Speaker 4: if you have three cards and you pay two of
• 7:51
  Speaker 4: those off, and you have one with a balance, and
• 7:54
  Speaker 4: you decide to close the two cards you've paid, that
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  Speaker 4: hurts your capacity because you no longer or have that
• 8:00
  Speaker 4: bandwidth to borrow, and that will in turn be evaluated
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  Speaker 4: and drop your score. So we always tell people pay
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  Speaker 4: it off, be responsible. Credit cards are kind of a
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  Speaker 4: double edged sword. If you use them responsibly, you pay
• 8:13
  Speaker 4: them in full, you don't pay interest, you can get
• 8:15
  Speaker 4: a lot of points. Come talk to Trudy about credit cards.
• 8:18
  Speaker 4: We can that's another day, but we can help you there.
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  Speaker 5: But if you use.
• 8:24
  Speaker 4: Them responsibly, it can certainly help your credit score. You
• 8:27
  Speaker 4: just don't want to get maxed out and tied into
• 8:29
  Speaker 4: these interest payments and high rates things like that. But
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  Speaker 4: we definitely when you pay it off, don't close it
• 8:35
  Speaker 4: because it hurts your capacity. And that's a thirty year score.
• 8:39
  Speaker 1: Laura, I'm glad you brought up the.
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  Speaker 2: Credit score thing that you can get through Trudy because
• 8:45
  Speaker 2: when I open up my little email that I get
• 8:47
  Speaker 2: from Truding every now and again, it's like it's like
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  Speaker 2: a little speedometer.
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  Speaker 1: Well it did it choose you? How fast you're going? Well,
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  Speaker 1: how your credit's going?
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  Speaker 4: Yeah, And it's great because if people don't understand credit
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  Speaker 4: and they really want to improve. We even have certified
• 9:00
  Speaker 4: crediting and financial counselors that will work with you on that.
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  Speaker 4: And that's a free service to our members and we
• 9:04
  Speaker 4: would love people to come in. We'll sit down, set
• 9:07
  Speaker 4: up some time, do some credit education. It's great.
• 9:11
  Speaker 1: Steven, what else could you do to wreck your credit?
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  Speaker 3: Well, wrecking your credit's pretty easy.
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  Speaker 1: I've got a brother who's i think a master's degree
• 9:20
  Speaker 1: in this.
• 9:20
  Speaker 2: Yeah.
• 9:20
  Speaker 1: Okay.
• 9:21
  Speaker 3: But so a real simple bad thing you can do
• 9:24
  Speaker 3: is make late payments. So there's a difference between just
• 9:27
  Speaker 3: a late pay like say ten days late, but it's
• 9:30
  Speaker 3: thirty days or more late. It's going to report to
• 9:33
  Speaker 3: your credit it So once you hit that thirty day mark,
• 9:36
  Speaker 3: it's gonna be a ding on your credit. So anybody
• 9:39
  Speaker 3: that looks at your credit anytime after that, it's going
• 9:41
  Speaker 3: to see you made that payment late, and your score
• 9:44
  Speaker 3: is going to drop instantly. As soon as that hits
• 9:47
  Speaker 3: out there, it's instantly dropping. That's the thing. The other
• 9:51
  Speaker 3: bad things you can do. So, sixty days late is a.
• 9:54
  Speaker 1: Real credit wrecord. So that's a flag on the play.
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  Speaker 3: Yeah, so sixty days depending on what type of loan
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  Speaker 3: it is. If it's an auto loan and you hit
• 10:01
  Speaker 3: sixty days late, there's probably a repossession order.
• 10:04
  Speaker 1: I've got to shay, you're walking. Yeah, you're well, you're
• 10:06
  Speaker 1: going to be walking real soon.
• 10:07
  Speaker 3: Yeah, credit cards, you know, sixty days, ninety days late,
• 10:12
  Speaker 3: it'll eventually go to collection and all those the severity
• 10:16
  Speaker 3: of how late you are makes your credit score even lower.
• 10:19
  Speaker 3: So you could go from an eight hundred to a
• 10:20
  Speaker 3: five hundred really quick by just missing a couple of payments.
• 10:23
  Speaker 3: So you've got to make your payments on time. Number
• 10:26
  Speaker 3: one other bad things. Bankruptcy can affect your credit for
• 10:30
  Speaker 3: up to ten years. That stays on your credit out there.
• 10:33
  Speaker 3: If you have judgments against you, tax liens, collections. Say
• 10:37
  Speaker 3: you don't pay a cell phone bill and they've been
• 10:40
  Speaker 3: trying to get a hold of you.
• 10:41
  Speaker 1: For a year to get that paid, it's going to
• 10:43
  Speaker 1: report to credit.
• 10:44
  Speaker 3: Even though they're not a lender alone, they will report
• 10:48
  Speaker 3: that to credit. And you've got that twelve hundred dollars
• 10:50
  Speaker 3: cell phone bill out there that is now a collection
• 10:53
  Speaker 3: and it's going to wreck your credit. So just paying
• 10:56
  Speaker 3: your bills good.
• 10:57
  Speaker 1: Yeah, I've got to pay your bills. You can't say yeah,
• 11:03
  Speaker 1: you got to do it. You gotta do it.
• 11:04
  Speaker 2: Laura Crueity offers a lot of products and special offerings
• 11:08
  Speaker 2: that help us build credit.
• 11:11
  Speaker 1: Can you elaborate absolutely?
• 11:13
  Speaker 4: So, we have several that are good for not only
• 11:16
  Speaker 4: establishing credit, but rebuilding. So, as Steven talked about, sometimes
• 11:20
  Speaker 4: you know and what we see a lot of times
• 11:21
  Speaker 4: with bad credit. Is life happened to a good person
• 11:24
  Speaker 4: and it's just out of control.
• 11:28
  Speaker 2: You know.
• 11:28
  Speaker 4: We've seen people that had medical stuff and that's impaired
• 11:30
  Speaker 4: their credit and that's not something they chose. And so
• 11:34
  Speaker 4: when you're rebuilding or young adult trying to establish, we
• 11:37
  Speaker 4: do have some good options. We have a share secured
• 11:40
  Speaker 4: credit card, and so essentially you place your money as
• 11:43
  Speaker 4: a pledge, but you get the tangible convenience of that
• 11:46
  Speaker 4: plastic card. So that's a great option. It's very popular
• 11:51
  Speaker 4: to start out with. We also have more traditional share
• 11:54
  Speaker 4: in certificate secured loans where you can put your money
• 11:57
  Speaker 4: in a savings account or you can put it in
• 11:59
  Speaker 4: a certificate of deposit and we'll use that as a
• 12:02
  Speaker 4: pledge and you pay that back more as an installment loan,
• 12:05
  Speaker 4: so you pay it when it's paid in full, it's
• 12:07
  Speaker 4: paid off, whereas the credit card you continue to build
• 12:10
  Speaker 4: that credit history. So it's just a personal preference, but
• 12:13
  Speaker 4: we do have those options. The other thing that I
• 12:16
  Speaker 4: really like to highlight, especially this time of year, is
• 12:18
  Speaker 4: we have grad loans. So we have a program that's
• 12:21
  Speaker 4: specific for recent college grads and it can be a university,
• 12:26
  Speaker 4: it could be a votech school, but usually within six
• 12:29
  Speaker 4: months of their graduation is when they're looking for those.
• 12:32
  Speaker 4: And we understand their young professionals going into the workforce,
• 12:36
  Speaker 4: they've done specialized training or degree, and we don't want
• 12:40
  Speaker 4: them to start off getting an auto loan with seventeen
• 12:43
  Speaker 4: percent interest rate. So we have some great pricing benefits.
• 12:47
  Speaker 4: We really have some good programs just simply did you graduate,
• 12:50
  Speaker 4: do you have proof of that are you going into
• 12:53
  Speaker 4: a career in your field of study? And it is
• 12:55
  Speaker 4: for those limited to no credit folks because typically they
• 12:59
  Speaker 4: go buy a vehicle, it's a really high interest rate
• 13:01
  Speaker 4: because they have no experience. So people think you're a
• 13:04
  Speaker 4: higher risk and we need to offset well at Truity,
• 13:08
  Speaker 4: we understand you're just a young professional. You're not a risk.
• 13:11
  Speaker 4: You're someone who's trying to get their footing started and
• 13:14
  Speaker 4: we do believe in growing with our members. So those
• 13:17
  Speaker 4: are some of the benefits that we have. And one
• 13:20
  Speaker 4: of the things Stephen talked about is that diversification in
• 13:22
  Speaker 4: your credit that credit mix. You're unsecured and you're secured
• 13:26
  Speaker 4: your mortgage, you're auto in your credit cards. So we
• 13:28
  Speaker 4: have products in all of those, you know with the
• 13:32
  Speaker 4: graduate program, so it can help establish that credit mix
• 13:35
  Speaker 4: and really get someone headed in the right direction when
• 13:38
  Speaker 4: it comes to credit.
• 13:39
  Speaker 2: You know there are people out there who are listening
• 13:41
  Speaker 2: driving around right now or maybe at home or at work.
• 13:45
  Speaker 2: We're ething a big sigh of relief because I know
• 13:48
  Speaker 2: there are a lot of people, not everybody, but the
• 13:50
  Speaker 2: times have been kind of dicey over the last five years,
• 13:53
  Speaker 2: and there are some folks who are really.
• 13:55
  Speaker 1: Just peetering on the edge.
• 13:58
  Speaker 2: And to know that there's some help out there and
• 14:00
  Speaker 2: now understanding maybe what they might be knee deep into
• 14:03
  Speaker 2: or approaching the waters, I think you just kind of
• 14:07
  Speaker 2: sent out a little bit of a you know, a
• 14:09
  Speaker 2: life preserver to them there with a little bit of
• 14:12
  Speaker 2: knowledge here and also with the invitation to get on
• 14:16
  Speaker 2: board with the Truity credit. Your your website's a phenomenal and.
• 14:20
  Speaker 3: I would just remind people if you're having if you
• 14:22
  Speaker 3: know that you're not going to be able to make
• 14:23
  Speaker 3: a payment, contact your lender, let them know and rather
• 14:28
  Speaker 3: than just letting it laps, call them and they can
• 14:30
  Speaker 3: work things out for you. They can give you, they
• 14:32
  Speaker 3: can give you some help. We have a great credit
• 14:34
  Speaker 3: Resolutions department at Trudy, and they are more than happy
• 14:37
  Speaker 3: to help you.
• 14:38
  Speaker 1: They want to help.
• 14:38
  Speaker 3: You make those payments sometimes, Mike, but if you can't,
• 14:41
  Speaker 3: they will help you get past that. Everybody goes through
• 14:45
  Speaker 3: little tough times, like Laura mentioned, Like you mentioned, it's
• 14:48
  Speaker 3: been pretty dicey lately. So if you're having trouble, contact
• 14:51
  Speaker 3: your lender.
• 14:52
  Speaker 2: Wow, this is great and it's a Truity see you
• 14:57
  Speaker 2: dot org. Yes, it's a one place, magnificent little website
• 15:02
  Speaker 2: that's easy to navigate. Even an old store like me
• 15:05
  Speaker 2: can do it. Thank you for being on board with
• 15:07
  Speaker 2: us today.
• 15:08
  Speaker 4: Thanks for having us, Thanks for listening to one on
• 15:14
  Speaker 4: one of the professional a paid presentation in fourteen.
• 15:16
  Speaker 6: Hundred K one Truity Credit Union a better way to
• 15:21
  Speaker 6: bank where members always come first.
• 15:23
  Speaker 5: Experienced the credit union difference today Truity cu.
• 15:26
  Speaker 6: Dot org in Bartlesville T two twenty seventy Q Bartlesville
• 15:30
  Speaker 6: T two thirty sixty T. Couska determined to talk to
• 15:33
  Speaker 6: officials about Kilmar Abrego Garcia, the man who was mistakenly
• 15:37
  Speaker 6: deported there and is in prison.
• 15:38
  Speaker 7: We are not going to stop fighting for his return
• 15:43
  Speaker 7: until he is actually.
• 15:44
  Speaker 6: Released CBS's Katrina Kaufman says a federal judge indicates Schill
• 15:48
  Speaker 6: orders sworn testimony by administration officials to see if they
• 15:52
  Speaker 6: complied with her orders to facilitate the man's return.
• 15:55
  Speaker 7: A judge could put pressure. They could potentially try to
• 15:59
  Speaker 7: say that the government shouldn't be paying El Salvador this
• 16:02
  Speaker 7: money because we are paying for mister Brigo Garcia and
• 16:06
  Speaker 7: these other men to be in that seacock prison. So
• 16:09
  Speaker 7: we could see potential sanctions contemp proceedings. People could be
• 16:13
  Speaker 7: held responsible for this by the courts.
• 16:15
  Speaker 6: The Trump administration is suing Maine for not complying with
• 16:19
  Speaker 6: it's push to ban transgender athletes in girls' sports.
• 16:23
  Speaker 5: Attorney General Pam Bondi accuses Maine of violating Title nine
• 16:27
  Speaker 5: and discriminating against women by failing to protect women in
• 16:30
  Speaker 5: women's sports. Pretty basic stuff. At the White House in February,
• 16:34
  Speaker 5: Meins Democratic Governor Janet Mills clashed with President Trump over
• 16:38
  Speaker 5: his band.
• 16:39
  Speaker 6: Every state good, I'll see you, and could I look
• 16:41
  Speaker 6: forward to that?
• 16:42
  Speaker 1: That should be a really easy one.
• 16:43
  Speaker 5: Education Secretary Linda McMahon.
• 16:45
  Speaker 1: It's not just about their civil rights, it's about their safety.
• 16:49
  Speaker 5: Michael Wallace, CBS News.
• 16:51
  Speaker 6: Britain Supreme Court says that the legal definition of a
• 16:54
  Speaker 6: woman is a person born biologically female. Susan Smith heads
• 16:59
  Speaker 6: up a Scottish group that fought for this.
• 17:01
  Speaker 7: Women can now feel safe that services and spaces designated
• 17:07
  Speaker 7: for women are for women.
• 17:08
  Speaker 6: President Trump has again attacked Harvard University on social media.
• 17:12
  Speaker 6: The school has refused a host