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What to know about soft credit inquiries
Soft credit inquiries, also known as soft pulls, are checks on your credit report that do not affect your credit score. Common instances of soft pulls include when mortgage lenders pre-approve loans, potential employers conduct background checks, or credit card companies assess your eligibility for pre-approved offers. Unlike hard inquiries, which can lower your credit score temporarily, soft pulls are harmless and only visible to you on your credit report. It's important to monitor your credit regularly to ensure accuracy and protect your score. Read More
Breaking Down Financial Goals: How to Make Your Money Work for You
With the arrival of tax season, you might be thinking about getting your finances in order. After all, nearly 70% of Americans have less than $1,000 saved for retirement, and statistically speaking, you might fall into that bucket. But how should you actually start? 1. First, identify your goals: what are they, and when do you want to achieve them? 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
