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What Damages Your Credit Score? The 6 Biggest Factors

What damages your credit score? The two biggest factors are missing or late payments and high credit utilization, which together make up about 65% of a FICO Score. Defaulting on a loan, closing old accounts, applying for too much new credit at once, and having little variety in your credit can also lower your score. Building a good credit score Read More

Helping Yourself & Your Community During COVID-19

Around the world and throughout California, the COVID-19 pandemic has quickly changed many people’s lives. At BluPeak Credit Union, we know that many of our members have had to reevaluate their goals as a result of unexpected changes. Read More

How Dana finished college and recovered from bankruptcy

A single mother of two boys, Dana had put off completing her college degree due to various life events and was working to reestablish her credit after a bankruptcy when she connected with Genevieve in our La Jolla branch. She’d only been a member for six months and wondered if there was any way we could help. That day changed her family’s life. Read More

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