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Testimonial from Angela:

I love the credit alerts monthly that I receive. Recently, I received a text and email notification regarding a change to my credit file. I was able to immediately review the alert and was relieved to discover that the only change that occurred was the fact the JC Penney's closed my credit card account due to inactivity and no one committed fraud on my credit file. It was a legitimate change. Peace of mind every month. My Alliance Checking Plus account is great. Thank you Community Alliance!

 


Traveling Abroad?

Because of visa time limits, many countries require your passport to be valid for 3-6 months beyond your departure date. In a nutshell, this means if you travel out of the country and your passport expires in a month, it might not be valid and you may not be able to board a flight.


Understanding Your Credit Report

GreenPath hosted a webinar to help you learn about credit reports and scores. If you were unable to attend you may watch this YouTube video at your convenience.

Also, here's some additional information about Credit Reports.

This is a credit freeze and this is an illustration.

 


 

3 Advantages of a Good Credit Score

Rent:credit score

Sure, renting a place to live doesn't require a loan but your chances of getting approved are a lot higher if you have a good credit score. With a low score, you're less likely to find a landlord who's willing to take a chance on you, even if you're financially reliable.

Utilities:

An excellent credit score helps a lot when it comes time to get utilities connected at a new house. There may be a fee associated with your new internet account that is based on your score. Anyone who's ever experienced buying a home knows that any amount you can save is helpful when you're going through the process.

Job:

Some employers may conduct a credit check on applicants for a variety of reasons. Late payments, high debt, and being generally irresponsible with your finances are red flags that could make an employer not want to hire you. Keep this in mind if you're thinking about a new job.

 


eDeposit Important Changes:

A new banking regulation requires all deposits made via mobile devices to have specific language as part of the endorsement.

As of July 16, 2018 you are required to accompany this:

  1. Your signature on all checks and 
  2. "For Mobile Deposit Only at Community Alliance CU" on all checks deposited with our Mobile App.

Unfortunately, if you deposit a check through our Mobile App without this endorsement, the check will be returned and you'll receive notification that your deposit was rejected due to improper endorsement.

To ensure that your checks are deposited conveniently and quickly using our Mobile App, please begin using this endorsement as soon as possible.

 


 

How Secure Are Your Passwords?

It's important to create strong passwords, here are 10 rules to follow.

 


 

New ID Driver Licenses

Beginning October 1, 2020, Michigan residents will need to present a REAL ID-compliant document to fly within the United States (domestic flights) and enter certain federal facilities, military bases, and nuclear power plants. Residents without a REAL ID-compliant ID will need to show another form of acceptable documentation (such as a passport) prior to entering these facilities or boarding domestic flights. In order to obtain a REAL ID compliant DLN or PID, residents need to bring a valid U.S. passport or certified birth certificate with a raised seal or stamp to the SOS office.

As of August 28, 2017, in order to comply with the federal REAL ID Act of 2005, Michigan SOS began offering REAL ID Driver Licenses and Personal Identification Cards. Below is an example of what these cards look like (notice the gold circle with a star in the top right corner):

Drivers Licenses

If a resident chooses not to get a REAL ID-compliant ID or an Enhanced Driver License, a standard license card will be given with the phrase “Not for Federal Identification” printed on it (see below). These standard cards will continue to be legal identification for driving, cashing checks, renting vehicles, purchasing alcohol and tobacco, or entering casinos.

Michigan ID

 


The three major credit bureaus are:

  • Experian                     experian.com              888.397.3742

  • Equifax                        equifax.com                800.685.1111

  • TransUnion                transunion.com            800.888.4213

Request a Free Credit Report Annually.

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