Hughes Federal Credit Union Tucson - PDF

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					                                                         Hughes Federal Credit Union
                                                                      Mailing Address
Your Credit Score
Your credit score says a lot about you and how
                                                                        P.O. Box 11900
                                                                    Tucson, AZ 85734-1900                                                Credit
well you manage your money. It’s important
because it can have an positive or negative impact
on your financial life.
                                                               Telephone - Tucson Branches
                                                                       (520) 794-8341
                                                                    (800) 253-8245 (U.S.)
                                                                     Fax (520) 806-3131
Do you know your credit score? Most people do                          AnyHour Loan
not, but it’s a good idea to keep track of your credit              (877) 999-LOAN (5626)
score. It can range from 380 to 830 and the higher
the better. Your credit score can determine the
                                                                  24-Hour Voice Response
                                                                    (520) 889-HFCU (4328)
                                                                                                                                         Enhance Your
loan rate for which you qualify at most lending                                                                                          Credit Score
                                                                 Southwest (Main Office)
institutions.                                                       951 E. Hermans Road
                                                              Monday - Friday 9:00 a.m. - 5:30 p.m.
Hughes Federal Credit Union wants not only to                   Drive-in: 7:30 a.m. - 5:30 p.m.
                                                                    ATM (No Surcharges)
meet your expectations but to exceed them. As
part of our continuous effort to make “A Positive               Central (Speedway Office)
Difference in Your Financial Life®,” we will ana-                      3131 E. Speedway
                                                              Monday - Friday 9:00 a.m. - 5:30 p.m.
lyze your credit report for fraud detection and for             Drive-in: 7:30 a.m. - 5:30 p.m.
any score enhancement opportunities.                               2 ATMs (No Surcharges)

                                                                East Side (Pantano Office)
   Complete the back of this form and                                   280 N. Pantano
   bring it to any branch for a FREE Credit                   Monday - Friday 9:00 a.m. - 5:30 p.m.
   Score Analysis.                                              Drive-in: 7:30 a.m. - 5:30 p.m.
                                                                   2 ATMs (No Surcharges)
   Please bring valid picture identification
   and allow 30 minutes.                                       Northwest (Thornydale Office)
                                                                     7970 N. Thornydale
                                                              Monday - Friday 9:00 a.m. - 5:30 p.m.
We’ll provide you with information on how you                   Drive-in: 7:30 a.m. - 5:30 p.m.
can improve your credit score and show you how                     2 ATMs (No Surcharges)
to possibly lower your loan payments.
                                                               Southeast (Rita Road Office)
                                                               (UA Science & Technology Park)
To schedule an appointment with a Member                              9052 S. Rita Road
Service Representative, please call (520) 794-8341            Monday - Friday 8:30 a.m. - 4:30 p.m.
                                                                    ATM (No Surcharges)
during regular business hours.
                                                              Wetmore Member Service Center
                                                                         977 W. Wetmore
                                                         (Limited Services-New Accounts and Loans Only)
                                                               Monday - Friday 9:00 a.m. - 5:30 p.m.
                                                                2 Drive-up ATMs (No Surcharges)

                                                                  Voyager Resort Office
                                                                      8701 S. Kolb Road
                                                              Monday - Friday 8:30 a.m. - 4:30 p.m.
                                                                                                                         A positive difference in your financial life.®
                                                                                             EQUAL HOUSING

                                                                                                             MKT 2—807
Your Credit Score Counts                                  What hurts your credit score                                     We Can Help
                                                            Late payments regardless of the amounts                           I would like a FREE Credit Score Analysis.
What makes up your credit score                             (it takes 24 months to restore credit with one late payment)
                                                                                                                              I would like to apply for a low-cost loan
                                                            Credit cards at capacity or maxing out
                                                                                                                              Please mail an application to me.
35%       Based on payment history                          Closing credit card accounts (this lowers available
                                                            capacity)                                                         I would like to apply for a low-cost credit card
          • More weight on current pay history.
                                                                                                                              Please mail an application to me.
          • Payments made on time vs. delinquencies         Shopping for credit excessively
                                                                                                                              I would like information on low-cost payment
                                                            Opening several credit card accounts in a short
30%       Credit capacity                                   time period                                                       protection insurance programs.
                                                            Having more revolving loans compared to                           Other ______________________________
15%       Length of credit                                  installment loans                                                                     (Please specify)

10%       Accumulation of debt in the last                  Borrowing from finance companies
           12-18 months                                                                                                    Name

          • Number of inquiries                           What doesn’t affect your credit score
                                                                                                                           Membership Number
          • Opening dates of credit                         Income
                                                            Debt ratio
10%       Mix of credit                                     Length of time at residence

          • Installment (raises) your score vs.             Length of time with employment                                 City                            State            ZIP
            revolving (lowers) your score
          • Number of finance company loans – the                                                                           Daytime Phone
                                                          Approximate credit weight for each year
            more, the lower your score
                                                            40% = Current to 12 months                                     Email Address
                                                            30% = 13-24 months
                                                                                                                           I authorize the Credit Union to make inquiries pertaining to
                     10%                                    20% = 25-36 months
                                                                                                                           employment, credit standing and financial responsibility.
       10%                             30%                  10% = 37+ months

   15%                                                    How to improve your score                                        Signature                            Date

                                                            Pay down credit cards balances                                 Please return this completed form to any of our offices or
                            35%                             Do not close credit card accounts, which will decrease         mail it to:
                                                            your credit capacity
                                                                                                                              Hughes Federal Credit Union
                                                            Continue to make payments on time (older late                     Attn: Member Services
                                                            payments will become less significant with time)                   PO Box 11900
                                                            Slow down on opening new credit card accounts                     Tucson AZ 85734-1900
   Payment History     Credit Length         Credit Mix
                                                            Acquire a solid credit history with years of experience
   Credit Capacity     Recent Debt
                                                            Move revolving debt to installment debt                        Reference #_______________ (for Credit Union Use only)
                                                                                                                           A complete Truth-in-Lending application will be given at
                                                                                                                           time of application. Loan subject to approval. Information is
                                                                                                                           accurate as of the publication date and is subject to change.

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