Credit report errors are shockingly common, and errors can damage your credit. If you need a loan, damaged credit means you might end up paying a higher interest rate or even get declined.
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Team SESLOC
![The State of Financial Wellness in America [Infographic]](https://www.sesloc.org/wp-content/smush-webp/2021/11/Blog-Headers-Collection-1-9-1080x675.png.webp)
The State of Financial Wellness in America [Infographic]
Financial wellness is a hot topic. But what is it exactly? Financial wellness is the state of your overall financial health, measured by how you’re doing in a few categories: spending, saving, borrowing, and planning.
Saving for Home Ownership
Thinking about buying a home? A house is likely the biggest purchase you will ever make. Because of the high costs involved, saving for it takes commitment, planning, and sometimes sacrifice. And saving is about more than just having enough for a down payment. These are the factors you need to consider:
8 Ways to Use a HELOC
If you’ve ever wondered what a HELOC is or what you’re supposed to do with it, this article is for you. A HELOC, or Home Equity Line of Credit, leverages your home’s equity to give you more flexibility compared to other loans — you can borrow up to your maximum credit limit, when you need it, as you need it.
Money Coaches Available to Assist Members
Keep your budget on track with your personal SESLOC Money Coach. We’re proud to offer the expertise of specially-trained Money Coaches, who can help you get control of your finances, from building emergency savings to reducing debt. Each of our coaches completed a 6-month training program to learn how to assess your financial health and provide guidance toward achieving goals.
7 Reasons to Own a Home
Making a list of the pros of homeownership versus renting to see if it’s time to buy? Consider these 7 key differences:
Tackling Holiday Debt
The holidays have come and gone, and now many are left with the bill. According to a Gallup poll ahead of the shopping season, Americans planned to spend an average of $942 on holiday gifts — not including food, travel, and other celebratory activities. What’s more, less than half of Americans reported going into the holiday with a budget. That means many are likely starting off 2020 in the red.
Kick Off The Year With This 7-Step Financial Action Plan
How do you see yourself in 2020? If your vision is of a more financially savvy you, then read on. This 7-step financial action plan will give you the tools to make this year — and decade — about your financial wellness. The best part? It’s easy!
7 Ways to Pay Your SESLOC Loan
SESLOC offers 7 convenient methods to pay your consumer or business loan. Please note that payments must be received on or before the due date or late fees may apply.
SESLOC Year in Review
2019 has been quite a year! We launched new services and programs to make SESLOC more convenient and accessible, and hosted educational seminars to ensure you have the tools to achieve financial wellness.
Recent News
White House Framework Omits Proposal for IRS Reporting Requirement on Cash Flows Over $600
On September 1, 2021, SESLOC supported a call to action from the Credit Union National Association, along with credit unions across the country, to alert our members of a concerning addition to the $3.5 trillion infrastructure spending bill that was proposed in Congress.
International Credit Union Day 2021
On Thursday, October 21, 2021, credit unions around the globe toasted to their members in celebration of International Credit Union Day. Credit unions like SESLOC are not-for-profit, which means we offer affordable loans, lower fees, and many free services to help our member-owners get ahead and achieve financial freedom.
SESLOC Employees Go Green & Save 6 Tons of CO2 This Summer
SESLOC competed with other San Luis Obispo County organizations in Rideshare’s Summer Clean Air Challenge, and thanks to the efforts of our employees, we came out on top!
SESLOC Opens Newest Branch at Cal Poly
We’re thrilled to be back on the Cal Poly campus to welcome students starting the new academic year! Our newest branch and ATM are officially open in the Julian A. McPhee University Union (next to Starbucks) to serve the financial needs of the campus community.
What is a Credit Union? 5 Myths Busted
Have you ever thought about joining a credit union but didn’t think you could? Well fear not – YOU CAN JOIN! If you’re anything like the average American, you know that you could be doing better than your bank. On average credit unions offer better deals and more personalized service.