DCCU Routing # 251483311

Improving Your Credit

Building and maintaining a high credit score is an important part of keep yourself financially fit.  In this section, you’ll find helpful information about different products and services we offer, calculators, articles and resources, and more. Whether you are just getting started, starting over, or somewhere in between, we are here to help you improve your credit.  

DCCU Mastercard Share Secure Credit Card

Repair your credit with the money in your account

If you are looking to establish or rebuild your credit, then a Secure Card may be the right fit for you.

  • Great low rates
  • No Annual Fee
  • Limits from $200 - $1,000 


DuPont Community Credit Union cares about your financial health and believes that the more education and tools you have to manage your money, the more likely you are to establish a secure financial future for you and your family.  DCCU has partnered with GreenPath financial wellness solutions to deliver free, valuable information you can put into practice immediately.

GreenPath is a non-profit company that helps you achieve your financial goals so you can pay bills on time, build a financial cushion, save for the future, and enjoy life without financial stress.  GreenPath offers guidance in a variety of areas, including money management, housing counseling, debt repayment, and more.

Whether you’re starting out or trying to get back on track, GreenPath offers a variety of online resources to help you with everything from creating a spending plan to managing your checking account, and more.  

Podcasts& Webinars

Enjoy podcasts and webinars covering topics to help you in your financial journey.


Learn how to manage your money with BudgetSmart, an easy-to-use software tool. Track your spending, learn how to make adjustments as needed, and see how major purchases or changes to your income could affect your budget.

GreenPath University

Your one-stop shop for financial education, including videos, e-courses, games, calculators, educational articles, and more.

business man and woman looking at tablet together

If you’re working to pay off debt, a GreenPath Debt Management Plan could be for you.  GreenPath will contact your creditors on your behalf and negotiate repayment terms.  A Debt Management Plan from GreenPath may lower interest rates and monthly payments and waive late fees and over limit fees.

GreenPath provides confidential debt counseling, free of charge.  A GreenPath counselor will work with you to understand your personal financial situation and goals, develop a budget, and share ideas to help you get out of debt through a personalized action plan.  Contact GreenPath at 877.337.3399 to get started today.

If the thought of repaying your student loans is overwhelming, GreenPath’s student loan counseling may be for you.  GreenPath offers two counseling options to help you find the best repayment option and develop a repayment plan.  There is a cost associated with GreenPath’s student loan counseling.  For information about cost and to see if student loan counseling is right for you, call the GreenPath Student Helpline at 855.400.3718.

Money Management: Credit

Credit is your reputation as a borrower. Nearly everyone uses some form of credit, and it is a privilege that should be managed wisely.  

Credit Cards | Credit cards can be used just about anywhere.  No payoff deadline.  Monthly minimum payments vary based on the balance.  Usually has the highest rate of these four types of credit.

Installment Loans | Typically used for large purchases such as a car or an appliance.  Loan term can vary from a few months to many years.  Monthly payment amounts are often set for the life of the loan.  Usually has a lower interest rate than a credit card.

Mortgage Loans | Used specifically for a loan to purchase a home.  Usually repaid over 15-30 years.  Monthly payments may be set for the life of the loan, or change more frequently, depending on the type of mortgage.  Usually has a lower interest rate than an installment loan.  Mortgage loans may provide an income tax break on interest paid to the lender.  Please refer to your tax preparer for more information.

Student Loans | Used for tuition and other college expenses.  Some loan programs let you delay making payments until you graduate.  Loan term is usually up to 10 years, depending on the amount borrowed.  Monthly payment amounts are usually set annually, when interest rates are adjusted.  Student loans normally have a lower interest rate than an installment loan.

A credit report contains information about your credit history and the status of your credit accounts.

This information includes:

  • How often you make your payments on time
  • How much credit you have
  • How much credit you have available
  • How much credit you are using
  • Whether a debt or bill collector is collecting on money you owe

It can also contain public records such as liens, judgments, and bankruptcies that provide insight into your financial status and obligations.  Lenders use these reports to help them determine if they will loan you money, what interest rates they will offer you, or whether you continue to meet the terms of the account.

A credit score is a number that represents credit worthiness.  For many years, credit scores were only associated with high-ticket items such as a car or a home.  Today, credit scores can affect your ability to get a good rate on commodities such as car insurance or cell phones, and can even determine whether or not you are hired for a job or get a promotion.

Ninety percent of lenders and creditors use the FICO score, which ranges from 300 to 850.  The higher the score, the better it is for the consumer, because a high credit score can translate into a low interest rate.

Building your credit is a process that doesn’t happen overnight, but there are many things you can do to start building a positive credit history.


Timely Payments | One of the simplest ways to build your credit is to pay your bills on time.  Making timely payments shows that you are a responsible consumer.

Open a secured loan | A secured loan may be a good idea if you’re looking to build your credit.  With a secured loan, you borrow money against your savings account while still earning interest on the balance in the account.

Credit card accounts | Open a credit card and only use 30% or less of the limit.  Pay off the balance monthly.

Take out a small car loan | Apply for a small car loan and make a 10-20% down payment.  Be sure to make your monthly payments on time.

Let your accounts age | The longer you’ve had credit, the better it is for your credit score.  Leave your oldest accounts open since they help increase your credit age and build good credit.

Contact the Credit Bureaus


P.O. Box 2104
Allen, TX 75013-0949
1-888-EXPERIAN (397-3742)


P.O. Box 1000
Chester, PA 19022


P.O. Box 740241
Atlanta, GA 30374-0241