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This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets. This includes personal loans, mortgages, car loans, and business loans.

This can help you establish a positive credit history, which may make it easier for you to qualify for a credit line in the credit future. Community involvement: Credit unions are often closely tied to the bad communities they serve, and they may offer special loan programs or discounts to members who live or work in those communities.