Rebuilding Credit, Managing Debt
Provident Credit Union's number one goal is to help ensure our members' financial health. Two of the most important components for sound financial health are maintaining good credit and managing money and debt responsibly.
There are times when financial challenges arise and it's hard to know where to turn. But rest assured, as a Provident member, you don't need to face it alone. We are here to help. Give us a call or stop by your local community branch.
If you're on the path to rebuilding your credit, Provident has many resources to help you succeed. From re-establishing credit to managing your finances, the following products and services will enable you to regain financial stability more easily and affordably:
The following resources may prove to be useful in helping you protect, improve and better understand your financial situation and credit rating.
Opting Out from Pre-Screened Credit Offers
If you don't want to receive credit solicitations, you can elect to temporarily "opt out" from having your credit files sold to third party creditors by calling (888) 567-8688. This number covers all three credit bureaus — Experian, Equifax and Trans Union — and stops credit solicitations for five years.
You can also request to be permanently removed from mailing lists for pre-screened credit offers at www.optoutprescreen.com. If you prefer to submit your request in writing, send individual requests to each credit bureau at the addresses below:
Include your complete name, address, social security number, daytime telephone number and signature. Send your request via certified or registered mail to keep your information secure and protected.
Pick and Choose the Solicitations You Receive
Since 1971, the Direct Marketing Association has been giving consumers the ability to choose the companies who can solicit their business, including loan and credit card organizations. For more information and to take advantage of this free service, go to www.dmachoice.org and click on "DMA Choice" for consumers.
Alternatives to Bankruptcy
If you're considering filing bankruptcy, it's important to understand how doing so can affect your credit rating and financial situation for years to come. It's also important to know that there are other less extreme measures to consider. Consulting a legal professional who is well-versed in bankruptcy law is the first step to take.
Consumer Credit Counseling Services is an excellent resource. CCCS, a non-profit credit counseling agency, has certified credit counselors on staff who will help analyze your credit and help you understand how it works. A Debt Management Program is also available to help you reorganize and repay debt, thus enabling you to raise your credit score over time.
For more information on CCCS and its services, visit www.cccsstl.org or call (888) 656-CCCS.
Provident is Here for You
If financial issues arise and you need assistance, don't hesitate to come to us. Your finanical security is our concern. We will be with you every step of the way.
To contact Provident Credit Union, call us at (800) 632-4600, or visit your local Provident community branch.
More phone numbers on Contacts page321171731
For electronic payments: More InfoThis credit union is federally insured by the National Credit Union Administration (NCUA). Article: Provident... One of the Strongest Credit Unions in the Country © 2013 Provident Credit Union