Do You Have to Pay All of Your College Expenses?
College is GREAT, but it can be expensive. Paying for college is a significant expense for many families. It can often feel overwhelming and cause family stress – BUT – it doesn’t have to. Here are some ways to lower the burden of the cost of college and take some of the pressure off. AODFCU wants to […]
YOUTH MONTH: Why We Need to Empower & Teach Success to the Next Generation
Frustrations with the “younger generation’s” lack of basic and yet essential life skills, such as communication, critical thinking, problem-solving abilities, and financial knowledge, have become more apparent and concerning. There may be some validity to these concerns, but the lack of these skills isn’t because of a lack of interest or ability; it is because […]
Financial Tips: How to Obtain a FREE Credit Report
👉 Get a FREE Credit Report! ✅ Go to www.annualcreditreport.com. This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every 12 months. ✅ You’re also entitled to one free report a year if you’re […]
Financial Tips: 5 Steps to Improve Your Credit Score
📈 Five Ways to Improve Your Credit Score! 1️⃣ Get copies of your credit report —then make sure the information is correct. Go to www.annualcreditreport.com. This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies […]
Financial Tips: Dealing With Debt Collectors
📱 🤨 Be prepared if you’re ever faced with debt collectors! Federal law prohibits third-party debt collectors from using unfair, deceptive, or abusive tactics to collect money from you.The Fair Debt Collection Practices Act (FDCPA) governs the actions of individuals and companies who regularly collect debts on behalf of other businesses. The FDCPA specifies how […]
Financial Tips: Debt Settlement Scams
💵 Get out of debt safely! When it comes to debt consolidation or elimination, be suspicious of claims from so-called credit repair clinics. Many companies appeal to people with poor credit histories, promising to clean up their credit reports for a fee. But anything these companies can do for you for a fee, you can […]
Financial Tips: After You Submit Your Tax Return
📝 After you file your tax return, you may have a few follow up questions! Visit https://www.irs.gov/ to use the Where’s My Refund tool. You can use the tool to check the status of your return within:⭐ 24 hours after e-filing a tax year 2022 return⭐ 3 or 4 days after e-filing a tax year […]
Financial Tips: Tax Identity Theft
Any type of identity theft can disrupt your finances, credit history, and reputation, and take time, money, and patience to resolve. Often, identity thieves will use a Social Security number, mother’s maiden name, date of birth or account number to open fraudulent new credit card accounts, charge existing credit card accounts, write share drafts, open […]
73rd Annual Meeting Report
As a valued member-owner of AOD, we encourage you to read the report to stay in the know about your credit union! Learn More
Have You Checked Your Grades Lately – Your “Credit Grade”?
It seems like we are constantly hearing about our “Credit Score,” like we are being graded on it, but what is a credit score, and how much does it truly affect us? Remember those “Pop” quizzes you may or may not have been prepared to take? Credit Scores are like that for so many Americans. Some are prepared, […]
