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In today’s rapidly changing economic landscape, many individuals rely on government support systems like Universal Credit (UC) to make ends meet. At the same time, volunteering has become an increasingly popular way to gain skills, contribute to society, and even improve mental well-being. But what

In an era of economic uncertainty, rising interest rates, and volatile markets, understanding the fundamentals of credit and financing is more critical than ever. Whether you're a small business owner, a real estate investor, or an individual seeking liquidity, mastering the 5 Cs of Credit and lever

Understanding your credit estimator results is more crucial than ever in today’s fast-paced financial landscape. With rising inflation, fluctuating interest rates, and global economic uncertainty, your credit score plays a pivotal role in securing loans, renting apartments, or even landing a job. Bu

Navigating the welfare system can be complex, especially when you own high-value items. Universal Credit (UC) is designed to support those in need, but its capital rules often leave claimants confused—particularly when it comes to luxury goods, collectibles, or other valuable assets. In this blog, w

As the cost of living continues to rise, seniors are looking for ways to stretch their retirement savings further. One often-overlooked tool is the Sam's Club Credit Card, which offers exclusive perks tailored to older adults. From cashback rewards to discounts on essentials, this card can be a game

Tax season can feel like navigating a maze—especially when credits are transferred or adjusted. One common scenario taxpayers face is adjusting withholding after credits like the Child Tax Credit (CTC) or Earned Income Tax Credit (EITC) are transferred out to Form 1040. Whether due to divorce, share

The world of personal lending is more competitive than ever, with fintech companies like Credit Ninja disrupting traditional banking models. But how does Credit Ninja really stack up against other lenders? To find out, we turned to Reddit—the ultimate crowdsourced opinion hub—where borrowers share u

The world is evolving at a rapid pace, and so are the financial challenges we face. From inflation and rising interest rates to the growing importance of sustainable investing, staying ahead requires smart financial strategies. At First America Credit Union, we understand these challenges and are co

A credit score of 640 sits right on the edge of what many lenders consider "fair" credit. While it’s not terrible, it’s also not great—leaving many borrowers wondering if they can secure a loan from a credit union with this score. The short answer? Yes, but with some caveats. Credit unions are kn

Filing for bankruptcy can feel like the end of the world, but it doesn’t have to be. With a 670 credit score, you’re already in the "fair" range—which means you’re on the right track. However, rebuilding after bankruptcy requires strategy, patience, and a deep understanding of modern financial chall