While many people know credit scores matter, fewer understand what actually affects them the most. The good news? Your credit score is influenced by a small number of clear, controllable factors—and understanding them puts you in a better position to manage your credit with confidence. We break down the most important factors that affect your credit score, in plain language.

When you’re applying for a loan, one of the most important decisions you’ll make is choosing between a fixed rate loan and a variable rate loan. The interest rate you select affects your monthly payment, your long-term costs, and how predictable your loan will be over time.

When you apply for a loan, lenders don’t just look at your credit score—they also look closely at your debt-to-income ratio, often called your DTI. This single number can determine whether you’re approved for a loan, how much you can borrow, and what interest rate you’ll receive.

At your credit union, we believe informed members make better financial decisions. Here’s a clear, simple guide to what your debt-to-income ratio is, why it matters, and how to improve your DTI quickly.