Personal Resources

USC Credit Union has proudly served the Trojan family since 1973.

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  • What does a low credit score mean?

    If your credit score is below desirable levels, your ability to get loans and credit at favorable rates will be diminished. Differences of up to 70 points across the three credit bureaus are not uncommon, and are typically the result of different information reported in your reports. Since each lender may use a different credit […]

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  • Under what circumstances can I check my credit report for free?

    You are entitled to a free credit report if: You believe you may be a victim of identity theft If you have been denied credit, employment, insurance or rental housing in the past 60 days due to your credit score If you receive welfare benefits, or If you are unemployed Click here to view a […]

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  • Can I get a credit report for free?

    Credit reports contain a wealth of information about your credit history. It’s important to review your credit report at least annually to ensure it is accurate and that you have not become a victim of identity fraud. As part of the Fair and Accurate Credit Transactions (FACT) Act, consumers are entitled to receive one free […]

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  • What credit agencies do you use to pull credit reports?

    For members applying for consumer loans, USC Credit Union pulls reports from Experian. For real estate loans, a tri-merge is pulled, which consists of data from all three major credit-reporting agencies (Equifax, Experian, and TransUnion). You may contact any or all of them to get a copy of your credit report. Links to their Web […]

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  • My loan was turned down because of an error on my credit report. Can I fix this?

    If an item is on your credit report that you believe is in error, contact the credit-reporting bureau. USC Credit Union does not maintain your credit file and cannot make any changes to your report. Here are the links for each of the three credit-reporting bureaus that maintain information on your credit history: Equifax Experian […]

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  • How much life insurance will I need to purchase?

    While there’s no substitute for evaluating your individual needs, one rule of thumb is to buy life insurance equal to five to seven times your annual gross income. To evaluate your individual needs you need to determine what costs you would like to ensure are covered if you die. Considerations include your mortgage payments, kids’ […]

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  • Where do I begin with life insurance?

    Start by evaluating your family’s needs. Gather all your personal financial information and estimate what your family will need after you’re gone. Include ongoing expenses (such as day care, tuition or retirement) and immediate expenses at the time of death (like medical bills, burial costs, and estate taxes). Your family also may need funds to […]

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  • What’s important to know about life insurance?

    Choosing a life insurance product is an important decision, but it can be complicated. As with any major purchase, it is important that you understand your needs and the options available to you. The main purpose of life insurance is to provide cash to your family after you die. The money your dependents will receive […]

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  • Does USC Credit Union have paperless options?

    USC Credit Union is doing our part to help you help the environment, where we make going green simple.Sign up for E-StatementsUse our FREE Online Bill PaySign up for direct deposit into your USC Credit Union checking account.These simple measures will prove to be more convenient for you and will save paper. Going green with […]

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  • What Investment Services does USC Credit Union offer?

    Our vision is to provide our members with superior financial solutions, comprehensive products and an unparalleled service experience. The partnership you have with USC Credit Union extends to Investment and Insurance Services available through our broker dealer CUSO Financial Services, LP.Whether you’re looking for overall financial guidance, assistance with a specific financial goal, or creating […]

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