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Ent Credit Union
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Money Challenges

If you’ve had money challenges, it’s important to remember that even major credit “dings” don’t have to be financially fatal. It’s still possible to rebuild your credit and repair your credit score.


If you have a loan with Ent and need assistance with protecting your credit, making payment arrangements or potentially avoiding foreclosure or repossession, contact a Member Solutions Specialist today at (719) 574-1100 or 800-525-9623 ext. 6950.


Strategies, tools and resources if you: 

If you have too much credit card debt, high card balances, too many credit cards or have reached the limit on your cards – get help from Ent.

  • In danger of falling behind on your Ent loan payments? Contact a Member Solutions specialist today at (719) 550-6950 or 800-525-9623 ext. 6950.

Get help from Ent.

  • Consider debt consolidation. Sometimes, consolidating outstanding debts into one loan can reduce not only your monthly/periodic payment, but also the total interest amount you pay.

Have you experienced a loss of household income due to job loss, reduction of work hours, illness or divorce?

  • Use the SavvyMoney Checkup financial assessment tool to take control of your finances, create a workable budget and learn how to watch your spending.
  • Consider debt consolidation. Sometimes, consolidating outstanding debts into one loan can reduce not only your monthly/periodic payment, but also the total interest amount you pay.

Call Ent immediately if you’ve been a victim of identity theft. We will work with you and the appropriate authorities to help get you on the road to recovery.

Understand how to rebuild your credit after a financial crisis like bankruptcy, foreclosure, auto repossession or late/missed payments.



Be cautious of credit repair companies. They cannot legally take any actions that you cannot take on your own behalf and they often provide only temporary improvements of your credit score, sometimes by removing accurate information that will reappear later. Be wary if a company:


  • Requests payment before services are rendered.

  • Does not explain your rights.

  • Advises you to dispute all negative information.

  • Advises you NOT to contact three credit bureaus.

  • Maintains that they can get rid of negative information, even if it is accurate.
  • Advises you to get a new credit identity.

Annually review your credit report: annualcreditreport.com or call 877-FACTACT (877-322-8228).

Assess your readiness to borrow  again. Defaulting on your mortgage causes severe damage to your credit score and stays on your report for seven years.