Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Banking
Profile Image

Question By
Footron

1 Contribution
0 People Helped
Should I avoid joining a credit union if it's not local?
I have terrible credit, and I'm finally beginning to take the steps towards building it back to a decent score. I want to join a credit union because from my research, I've surmised that credit unions are generally a better banking option in most ways that matter. I have also noticed that a lot of them offer free credit counseling, credit builder loans, secured credit cards, and other things of that nature.

After doing some research, I've found a few really interesting credit unions I would not hesitate to join, except..they are not local whatsoever. I'm a bit wary of joining one that has no local branches which would force me to everything via phone, email, etc. I'm wondering if that would degrade my credit union experience and possible work against me in trying to build my credit.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7367 Contributions
3809 People Helped

Your choice.  Mine is headquartered on the East Coast and I live on the West Coast, and I haven't had any problems in the pastten years.  If it is a large credit union (mine is) you shouldn't have any problems.

Reply by
Footron

1 Contribution
0 People Helped

Thanks for the reply! I'll take that into consideration.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.