Free Financial Counseling

At San Diego County Credit Union, we are committed to helping our members establish good financial management skills. Taking control of your personal finances can be a difficult task, but being armed with the right information is vital to accomplish that goal. Without financial goals and specific plans for meeting them, we may drift along and leave our future to chance.

Regardless of your age or stage in life, it is important to take control of your finances. We want to help. SDCCU is pleased to offer FREE financial counseling services to our members.

SDCCU Financial Counseling
If you have an SDCCU loan and need assistance, please contact us directly at (877) 732-2848, ext. 2516, for more information.

BALANCE Financial Fitness
If you have general financial counseling needs, we have partnered with BALANCE^SM Financial Fitness to provide our members with comprehensive personal financial assistance. The BALANCE Financial Fitness Program can help you resolve your financial situations, assist you with making and meeting your financial goals and provide financial education. Best of all, this service is FREE to all SDCCU members.

The BALANCE Financial Counselors can help you:

Gain control of your finances
Understand your credit report
Create a budget
Manage your debt

The goal of this partnership is to help you balance your financial life. All information is kept strictly confidential between you and Balance. No financial products are sold through this program so you can be sure the financial advice you receive is in your best interest. Assistance is available in English and Spanish.

Visit BALANCE Financial Fitness.
Get financial education online with BALANCE Track.

Contact BALANCE to speak with a counselor at (888) 456-2227:
Monday - Thursday: 5 a.m. – 8 p.m.
Friday: 5 a.m. – 5 p.m.
Saturday: 8 a.m. – 5 p.m.

If you are working with BALANCE and have been asked to send in documentation, please fax it to: (415) 777-4065.

Credit Management

Free Credit Report

Credit reports include information on where you live and work, how you pay bills and your legal and bankruptcy background. Companies can sell your information to creditors, insurers, employers and may other businesses who evaluate your background to establish credit, employment, insurance, etc.

You have access to a free copy of your credit report, thanks to the Fair Credit Reporting Act (FCRA). At your request, the three major credit reporting agencies - Equifax, Experian and TransUnion are required to provide you with a free copy of your credit report once every 12 months. You can space out your requests and request one every few months. Request your free credit reports online by visiting annualcreditreport.com, by calling (877) 322-8228 or by completing the Annual Credit Request Form and mailing it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

When you order your credit report(s), be prepared to verify your identity - you may need to provide some information that only you would know, such as the amount of your monthly mortgage payment.

SDCCU is dedicated to providing accurate information to credit reporting agencies. If you believe information that has been reported to a credit reporting agency is incorrect, you may dispute the information by completing and submitting the Consumer Credit Reporting Dispute Form along with any documentation that substantiates your claim.

Credit Report

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

Open an account online today!