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Five Steps to Credit Repair
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Five Steps to Credit Repair

The first step is understanding how credit works and begin making a plan. Lock away your credit cards. Now, do not close your accounts just yet. If your credit rating is poor you may have a difficult time getting new cards. The first step is to stop using them and stick to your immediate goal...

DuTrac Community Credit Union Gifts $1.3 Million to Iowa Credit Union Foundation
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DuTrac Community Credit Union Gifts $1.3 Million to Iowa Credit Union Foundation

DuTrac Community Credit Union is pleased to announce their recent gift of $1.3 million to the Iowa Credit Union Foundation (ICUF) in order to establish the new DuTrac Community Credit Union Fund (DuTrac Fund). The DuTrac Fund is a donor advised fund that will be administered by ICUF. Since its founding in 1946, DuTrac Community Credit Union has...

2020 DuTrac Academic Scholarship Recipients
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2020 DuTrac Academic Scholarship Recipients

Seven 2020 graduates of Dubuque and Quad City area high schools were awarded scholarships by DuTrac Community Credit Union’s 2020 Academic Scholarship Program. Recipients of the $1000 scholarships were: Paige Durant, daughter of Kathy & Dale Durant, is a graduate of North Scott High School (Eldridge, IA).  Durant plans to attend University of Kansas, to...

2021 DuTrac Academic Scholarship Recipients
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2021 DuTrac Academic Scholarship Recipients

Eleven area spring graduating high school students will receive post-secondary tuition scholarships totaling $7,500 from DuTrac’s 2021 Academic Scholarship Program.Recipients of $1,000 scholarships: Bree Buxton, daughter of Tricia Buxton, is a graduate of Wahlert Catholic High School (Dubuque, IA).  Buxton plans to attend University of Wisconsin, Eau Claire, to pursue studies in communication sciences and...

Making a Budget
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Making a Budget

Making a budget is the most important step in controlling your money. A budget allows you to track your Income (the money that you have) and your Expenses (the money you spend). By writing down your monthly income and expenses, you can see how much money you expect to have for the month and plan...

Understanding Credit Reports
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Understanding Credit Reports

Maintain Your Reputation The loan officer keys your application information into the computer, but you are thinking of the new ride you are going to buy. Those thoughts are interrupted when the loan officer drops the bomb. You do not qualify for a loan; you credit report has too many negative events. Poof – the...

A Dozen Ways to Save your Paycheck
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A Dozen Ways to Save your Paycheck

Pay yourself first! Decide on a specified percent of your take home pay for savings and set those funds aside before paying any other expenses. Collect coins in a jar. Bank your refunds. Rather than spending an income tax refund, use it to pay down a high interest credit card debt. Continue paying a loan....

Tips for Students Going Off to College
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Tips for Students Going Off to College

Stick to a Budget The word budget scares off many adults as well as teens, but a budget is the best way to ensure discipline with your finances. Start by estimating monthly expenditures for major categories such as school expenses, transportation, food, clothing and entertainment. Keep tabs on spending with an Excel spreadsheet or keep...