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Posts Tagged: HVAC

Gas Fireplaces and Winter: A Match Made in Heating Heaven

Posted On: Filed Under: Gas fireplace, Insulation, Tips to save money, Fireplace 1 Comment on Gas Fireplaces and Winter: A Match Made in Heating Heaven

What says fall and winter better than a cozy fire? How about a cozy fire that is also energy efficient, safe, stylish, convenient, and provides warmth? Gas fireplaces from Washington Energy Services fit the bill. Take a look and sign-up for a Free Estimate.

Energy Efficiency

Today’s gas fireplace inserts from Archgard allow you to zone-heat your home, providing warmth to the room your family frequents the most. This helps you save on your energy bills because you don’t have to continuously run your furnace or heat pump throughout your whole home.

The inserts themselves also boast impressive energy efficient stats. In fact, all Archgard models offer at least an 80 AFUE (Annual Fuel Utilization Efficiency). AFUE represents the percentage of heat produced for every dollar of fuel consumed. This percentage is especially impressive when you consider that these models offer both radiant and blown heat.

Safety

Wood burning fireplaces can pose serious health risks to your family. Smoke contains microscopic particles that get into your eyes, and worse, your respiratory system and bloodstream. At best, it might cause you to cough or have watery eyes. At worst, it can permanently damage your lungs.

Gas fireplace inserts remove this concern by providing the same look and feel like a real fire, without the safety hazards. No floating particles, no smoky rooms. Just you, a clean fire, and a safe home.

Style and Convenience

Gone are the days of limited gas fireplace options. For a traditional look, opt for decorative grates and surrounds. Or go sleek and simple for a contemporary decor. Whatever your preference, there are dozens of options for surround style, backgrounds, logs, and stones.

In terms of convenience, gas fireplace inserts really couldn’t be simpler. With the push of a remote control button, you have an energy efficient heat with no logs, matches, or ash.

Cozy Warmth

Finally, gas fireplaces provide a cozy warmth that you just don’t get with other heating systems. Models from Washington Energy Services feature a blower to efficiently heat a room, and radiant heat for a cozy, sipping-hot-chocolate-on-Christmas-Eve feeling.

There’s no better time than winter to install a gas fireplace to upgrade the style, efficiency, and warmth of your home. Contact Washington Energy Services for a free in-home estimate from one of our skilled technicians.

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How to improve air quality in a pet-friendly home

Posted On: Filed Under: Heating, Cooling, How to No Comments on How to improve air quality in a pet-friendly home

Dander — tiny pieces of skin that get sloughed off in the air — is the main culprit. For individuals with pet allergies or asthma, and even those without, too much dander in the air can worsen symptoms and increase discomfort.

As pet owners, we have a responsibility to keep our indoor air quality clean and healthy for our families. Here are a few quick tips to get you started:

Keep your pets clean.

Yes, this tip is obvious. But you’d be surprised how consistent baths and brushing can contribute to air quality. Regular dusting and vacuuming of pet hair is also crucial, as it immediately removes the dander from the room and prevents it from being recirculated by your HVAC system.

Purify your air.

Another easy tip: invest in an air purifier. With options for every budget, including the premier RGF Reme Halo Air Purification System from Washington Energy Services, air purifiers can significantly cut down on air pollutants.

Keep those air filters clean.

They may seem insignificant, but air filters are the unsung heroes of air purity. Located in your HVAC system, these filters trap particles that would otherwise pollute your indoor air. And remember, this is air that circulates all the time — the air your family is breathing.

Want a little assistance in remembering to change your air filter? Sign up for our Automatic Filter Replacement Program. We’ll automatically ship a new filter to your home when it’s time to change it out. You’ll be one step closer to a more pet- and person-friendly home.

Get your ductwork cleaned.

When it comes to air cleanliness, ducts are key. Unfortunately, pet dander can build up in the ductwork of your home, creating a constantly blowing highway of hair and skin particles. To combat this, we recommend that homeowners with pets get their ducts cleaned yearly. This won’t just help improve airflow and reduce allergens in your home, but will also ensure that less debris fall back into your heating system, prolonging the life of your equipment.

Your furry buddy isn’t going anywhere —they’re part of the family. Just make sure you follow these tips to improve the air quality of your home, your family’s comfort, and the longevity of your HVAC system.

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Planning a Bellevue home improvement project? Remember your HVAC system!

Posted On: Filed Under: Heating, Cooling No Comments on Planning a Bellevue home improvement project? Remember your HVAC system!

Home improvement projects are a great way to enjoy more square footage, increased home value, and an updated living space in Bellevue, Washington. However, during the planning stages of any home addition or renovation, it’s also important to consider your current HVAC system and how your new space will affect its efficiency. Because HVAC systems should be matched to your home in terms of capacity and function, determining whether your current system is up to the task of heating and cooling your addition is an integral step in the design and construction process.

HVAC capacity and efficiency

Each HVAC system features a specific capacity, which governs the size of the space it can comfortably heat and cool. When you ask your HVAC system to maintain a temperature in a larger space than it is meant to service, it will strain to meet your needs, increasing the chances of a breakdown, speeding up wear and tear, consuming more energy, and diminishing home comfort. Any time you add climate-controlled square footage to your home, including extending your HVAC system into a garage, attic, or basement that was not previously heated or cooled, it’s a good idea to contact a professional for a home energy audit and an HVAC assessment to ensure your current system is capable of meeting your new needs. If the space in which you want heating and cooling exceeds your current HVAC system’s capacity, it’s beneficial to explore your options for new system installation to match your heating and cooling system with the new needs of your updated home. Even if you won’t be adding space, it’s a good idea to work with your HVAC service to make sure heating and cooling registers are placed appropriately in any room you plan to renovate. This will ensure your new space is comfortable and your HVAC system doesn’t experience added strain by changing the optimal configuration of your ducts.

Post-project cleaning

HVAC and duct cleaning are a great way to renew your HVAC system for greater efficiency and reduced risk of breakdown, while also improving the quality of the air inside your home. Following any home renovation, addition, or other project that involves demolition or construction, HVAC cleaning and duct cleaning can help to eliminate construction dust and debris from the air you breathe. Oftentimes, this dust and debris can easily circulate through your home during the project, regardless of whether your HVAC system is operating or not. When this debris settles into your ducts or on your HVAC appliances, it can affect function and indoor air quality, no matter how thoroughly you or your contractors clean your home after the project is through. Professional HVAC cleaning and duct cleaning will completely eliminate construction dust and debris from your system for a clean, healthy, and efficient home.

If you’re planning any type of home project this spring, our HVAC experts can help you make sure your heating and cooling system is up to the task. We are pleased to offer services that include home energy audits, air duct cleaning, and new product installation so you can enjoy the indoor comfort you expect in every area of your home. Request an appointment online or give us a call for HVAC tune-ups in Bellevue today.

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The role of HVAC maintenance in home comfort

Posted On: Filed Under: Heating, Cooling No Comments on The role of HVAC maintenance in home comfort

 

Better efficiency

HVAC efficiency is essential when it comes to enjoying comfort at home. A furnace or air conditioner that is not efficient will both consume more energy to generate heated or cooled air, as well as perform poorly when distributing that conditioned air to the rest of your home. This may result in an entire home that is too hot in the summer and too cold in the winter, or in uneven heating and cooling that leaves some areas of your home comfortable while others feel unbearable. A perfectly-tuned HVAC system will deliver conditioned air effectively throughout your home, while running for shorter periods of time and consuming less energy overall to do so. This means you can easily maintain the even, comfortable home environment you expect with the least strain on your system, and without the need to constantly adjust your thermostat in an attempt to keep your home heated or cooled comfortably.

Better air quality

The condition of your HVAC system also affects the air quality in your home. When your HVAC system is dirty or its air filter has become clogged, your heating and cooling system will circulate that dirt and dust throughout your living spaces, causing a higher incidence of asthma, allergies, and eye, nose, throat, and mouth irritation, even in healthy family members. Dirty or water-damaged ducts and HVAC appliances can even harbor mold, bacteria, or viruses, circulating these microorganisms as well during function and posing an additional risk to your health and comfort. Finally, a dirty and dusty HVAC system will make your home appear dustier as well, detracting from its look and requiring you to spend more time cleaning, rather than enjoying your home and its furnishings in comfort.

Better performance

HVAC maintenance is the key to long-term system performance. Many HVAC appliances lose efficiency quickly over time when they are not maintained, and are also at higher risk for a major breakdown that can leave your home without heating or cooling at the coldest or hottest times of year. Investing in HVAC maintenance means investing in your future home comfort by drastically lowering the chances of a major heating or cooling breakdown that could leave your family uncomfortable during extreme weather for the hours or days it takes to repair or even replace a damaged appliance.

Our Guardian Maintenance Club offers precision tune-ups for your home so you can enjoy the longevity, performance, and efficiency you expect from your HVAC system. If you’d like to learn more about caring for your heating and cooling system’s needs, please read through our blog for additional tips and information to help you save time and money. You can also reach an HVAC technician on our website for personalized advice on maintenance, repair, and installation service in the Seattle area.

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What happens during an HVAC tune-up?

Posted On: Filed Under: Heating, Cooling 2 Comments on What happens during an HVAC tune-up?

Regular maintenance and tune-ups hold many benefits, including better performance, greater longevity, and a reduced risk of problems or breakdowns when you need your HVAC system the most. Your Seattle HVAC service can help you enjoy the improved home comfort that comes with a well-tuned system by offering regular tune-up services for both your home heating and cooling systems. Keep reading to discover what to expect from a professional HVAC tune-up and why your home can benefit so much from this simple service.

Inspection

HVAC tune-up services begin with a thorough inspection of your entire heating and cooling system, including your appliances and your thermostat. This inspection checks the condition of the electrical and mechanical components inside each appliance to look for dirt, wear, or damage that may affect heating and cooling performance. Your flue and ductwork will also be inspected for damage, corrosion, or buildup. During the inspection, your HVAC service technician will closely examine any and all safety measures to ensure your system is operating within safe and optimal parameters. The batteries in your thermostat will also be checked and replaced if necessary, and any minor adjustments your system may require will be made as part of your tune-up service, such as straightening your air conditioner coil fins and checking the schedule set in your thermostat.

Cleaning

HVAC tune-up services also include a full system cleaning. Dirt and dust buildup are a common cause of increased energy bills and poor HVAC performance, as airflow and efficiency are both hindered by these conditions. Your HVAC technician will take care to clean away any buildup and corrosion inside your heating and cooling appliances, paying attention to every area, including electrical components for safety. During this portion of the HVAC tune-up service, your technician will also check and replace your air filter if necessary for cleaner indoor air and improved airflow through your heating and cooling system. If your system includes a condensate tray or drip line, these components will also be emptied and cleaned to prevent leaks and backups.

Recommendations

Once the system check and any cleaning services have been completed, your HVAC technician will brief you on the status of your heating and cooling system. He will also make recommendations based on his overall findings, such as whether components of your heating and cooling system require repair or replacement, and whether you may want to consider an additional service such as duct cleaning for a healthier home and better HVAC performance. You will also be able to ask your HVAC technician any questions you may have about your system, such as its age, general condition, and whether he might recommend upgrading or replacing the system in the future for better performance and monthly savings. If you opt to make any necessary repairs immediately, your technician will complete this service before your tune-up is considered complete.

Is your HVAC system overdue for a tune-up to improve its performance? Our experienced heating and cooling technicians in Seattle offer precision tune-ups for indoor and outdoor home comfort systems, as well as for fireplaces, generators, and water heaters. You can find out more about this service and our other home comfort solutions when you visit us on the web, or read more about how to keep your HVAC system in great shape on our monthly blog.

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Top home trends of 2014

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1. Big color, lots of it.

According to Realtor.com, in 2014, bright colors “will be more of a focal point”, and “designers will start featuring vibrant accent walls, main paint colors and flooring” bringing color throughout the house.
We liked this trend and put a green wall in our offices which brightens things up for our employees.

Washington Energy Services offices displaying their values. Location: Lynnwood, Washington
colorful washington energy services office

 

 

 

 

2. Retrofit your home for comfort.

In Seattle, our customers start with an expectation that the heating, cooling, windows or siding products we present them with will be energy efficient, but will they also improve personal comfort? A good example of accomplishing both goals is upgrading to a heat pump (ducted or ductless). Popular elsewhere in the US for many years, heat pumps are a recent energy saving trend in the Northwest. They provide efficient heating plus a comfort bonus of air conditioning, which we do seem to need lately.

install a heat pump home energy audits

 

 

 

 

 

 

 

Another trend we see is people requesting air sealing, which reduces unwanted drafts in the home, saving energy and keeping temps even. A great way to learn how to cost effectively improve your comfort is with a home energy audit. Audits are not just for energy saving!

3. Redesign outdoor living spaces and incorporate sustainable garden practices.

Okay, one benefit of the climate getting warmer is the potential for more barbeque days outside. It has also led to an increase in water conservation measures across the western US. While we don’t have water shortages here, we at Washington Energy believe in sustainability every day, not just when asked. Taking a thoughtful approach to what you plant and where, can save water, reduce your bills and still give you a beautiful look. Easy ways to start are incorporating native plants and using water conserving mulch, and any garden center can provide great information for your particular application. If you would like to learn more about sustainable gardening visit Built Green (www.builtgreen.net) or check out WSU for some interesting information on this topic. One great idea they discuss is creating hydrozones, where plants with similar water needs are grouped together. Extension.org – Planning and Design of Water Conservation

4. Enjoy your garden longer by canning or pickling it.

This “#1 Food trend of 2011”, according to the Food Channel, is still hot, and we mean ‘hot’ as in spicier than ever. Pickles are the ‘artisanal’ treat you can easily make at home. It makes the time, effort and water spent growing veggies in a small plot more rewarding as you’ll enjoy them year round. Beyond the simple cucumber, pickled delights include asparagus, kohlrabi, fennel, beets, mushrooms, and peppers, many made in hot and spicy varieties. A favorite of ours is pickled hatch chili peppers from New Mexico. For the more adventurous, this could become a small business. You’ll need pickling spice, salt, jars, a large pot to boil water and put the jars in (a lobster pot is a good size), and you’ll definitely benefit from buying a simple kit that has rubber coated tongs and a basket for getting the jars into and out of the hot water, plus instructions for safe canning. Canning equipment and jars are sold in year round in stores like Fred Meyer, and during the fall season you’ll find them in most supermarkets too.

sustainable business practices

5. Kitchen remodels are back.

According to Angies list, “2014 homeowners are most interested in making strategic improvements to boost functionality, increase efficiency and take advantage of existing space.”  They cite some of the most popular changes in kitchens including opening up the kitchen by removing a wall or partial wall to give a greater feeling of space and to create an island area for comfortable entertaining. Other popular kitchen upgrades include hardwood floors, bamboo floors, and hidden cabinets that recess into the walls. Adding sliding patio doors to provide new ways to connect the kitchen to your outdoor living space can transform the usability of your space.

kitchen remodel

Homeowners are also expecting their kitchens to be wired for today’s electronics, such as charging stations or outlets inside cabinets for a clean look. Kitchen color trends are opposite the rest of the house. White, grey and neutrals are popular including white appliances. For more on kitchen design trends check out this article by. HGTV Top 17 Kitchen Ideas

We hope you found some inspiration for your summer home project in this list. For improved home comfort and energy upgrades, call Washington Energy at 800-398-4663.

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A mom’s view of home improvement

Posted On: Filed Under: Windows, Air conditioning, Tankless water heaters No Comments on A mom’s view of home improvement

We asked several local moms “if money was no object, what would you like to have, or do to improve your home”.  We found their ideas and stories to be great for our Puget Sound community at large. While every answer was different, topics of comfort and convenience for the children, and ease of use for themselves in caring for the family, were common themes. Here are five of their stories (and yes, these are real people and their real stories):    

Christine from Lynnwood, WA I would love to have air conditioning for the warmer days. I have a window unit in my room that we rely on, because with my youngest (2 1/2) wanting to go outside, I have to keep the front of the house closed so she can’t escape! A more efficient heating and cooling system would take less money to run, and be a more even temp all year round instead of us constantly adjusting the heating.   We should probably have better insulation to help keep the cool air in instead of out the roof. And insulation in my garage so that it doesn’t cook us to do laundry in the summer, and you don’t need to wear a snow suit in the winter.   And doors with better handles and extra security for my little one that likes to try to get out of the house or go into rooms that she is not allowed in (she figured out how to pop the childproof handles off the doors!)    

MaryEllen from Mill Creek, WA Definitely a tankless water heater so that I can have more hot water to get everyone showered more timely in the morning, get my towels washed in hot water and actually have hot water to do my dishes after all this! Having a 50 gallon water heater I have to wait for it to recover before we can move to the next thing. I would also like all new EnergyStar kitchen appliances that use less energy and run quieter.   Even though I have nice, relatively new vinyl windows, I would like to change out a few of the picture windows to have more sliders with screens to allow fresh air in when it’s wanted. We don’t really need A/C in the summer (yet!), but more breeze would be helpful.

Tanya from Mountlake Terrace, WA My kids are grown now, but when they were younger I wished I had a bigger washing machine, quieter appliances all around, and having 3 kids a husband and a dog, I really wished I had a tankless water heater. Looking back I could have used better insulation as well, that would have also prevented the neighbors from hearing the yelling “stop putting that up your nose” “Homework isn’t an option!!”  “chocolate milk is NOT ok to take into your room!!” etc.    

Ilana from Mulkilteo, WA I would like to keep germs filtered out to help my kids stay healthy for a longer period of time. Maybe a UV system to take viruses out of the air and a better furnace filter might help. I am not very good about changing the filter on my heating system and probably should do that more often.   Where we live there are lots of big trees and we can get power outages during windstorms. I would like a generator that could power the whole house in the event of a power outage.    

Jessica from Snohomish, WA If I were going to make improvements to my home and money was not object, I would definitely put in an enclosed sunroom with an indoor steam room and dry sauna for my sons asthma and eczema.   We have been in our home for 15 years and air conditioning is one of our favorite upgrades. The first floor of our home remained cool during summer months but, the 2nd floor was stifling with no breeze. We put in our air conditioning 5 years ago and I would say that has been our best investment.  While all the neighbors are sitting out on their porches at 11pm at night with fans going and windows open or with portable air conditioners, we are in our house in bed sleeping with the cool air. It is refreshing to come in to the house after a hot day and being able to relax in our home. The kids are also not cranky because they are cool and all of their friends want to come to our house for some relief to the heat. We also installed hard wood floors and I think they are a must in the NW with kids, pets and our fabulous NW weather. Easy clean up and they look beautiful.   If you have a mom POV you’d like to share with us, find this article us on Facebook or reply to this post below. Happy Mothers day! Washington Energy wishes all mom’s a comfortable and happy holiday.

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Take these important steps before you crank up the heat

Posted On: Filed Under: Heating No Comments on Take these important steps before you crank up the heat

 

For any heating system (furnace, heat pump or boiler) timely maintenance can make a difference, up to 10% savings in heating costs. And importantly, if you have an older furnace, you’ll want to see how much life it’s got left in it, so it doesn’t leave you stranded in the cold.

All heating equipment manufacturers and EnergyStar.gov recommend annual professional maintenance of heating equipment (a “tune up”). And for gas standby generators, it’s required for the warranty.

Why do they call it a “tune – up”? Because it has the same function as the tune-up, oil change or mileage based maintenance you might get for your car.

EnergyStar recommends these heating system maintenance guidelines (and we agree!):

  1. Change your air filter regularly
  2. Get a tune up of your HVAC equipment by a qualified technician that includes:
    • Check of thermostat and any programmed settings
    • Check electrical connections and measure voltage and current on motors
    • Lubricate moving parts to avoid wear.
    • Inspect condensate drain in furnace, AC or heat pump.
    • Check system controls, starting cycle and shut off.
    • Clean and inspect air filter
    • Inspect flue piping
    • Check gas connections, pressure, combustion and heat exchanger.

For expert maintenance services like these, call Washington Energy Services at 800-398-4663. Our 37 point furnace maintenance costs $159 and extra pieces of equipment can be added at a discounted rate. We service all major brands of heating equipment. Home Energy Audits are also available.

 

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AC vs Heat Pump: The Cooling Battle!

Posted On: Filed Under: Air conditioning, Ductless heat pump, Heat pump 109 Comments on AC vs Heat Pump: The Cooling Battle!

To start, let’s examine some similarities between heat pumps and air conditioners. Both systems are powered by outdoor units. They use the science of thermal energy to transfer heat in the air from one place to another. The units connect by a line-set charged with eco-friendly refrigerant to a coil that is placed above your furnace.

Air conditioning

An air conditioning system, like your fridge, absorbs heat from air that passes over the coil, and the resulting cool air is moved into your ducts and through your home. The collected heat is expelled through an exhaust process. Okay, there’s more science than that, but you get the idea (or check out http://home.howstuffworks.com/ac.htm). There are room air conditioners that hang out your window and cool one room and air conditioning systems, aka central air, which is what we are comparing to heat pumps today.

Heat pumps

The heat pump’s main advantage is it can cool and heat, so you can use it all year round. A heat pump pulls heat out of the outside air when it heats your home but can be reversed to pull heat out of your house and cool. In fact, our climate is one of the most efficient for heat pump operation. Heat pumps provide an economical source of heat (the air, it’s free!) down to freezing, when you’ll want to have a back up heating system kick in. If your home is currently heated by an inefficient heat source, for example oil, you’ll see much lower heating costs with a heat pump. The investment could pay for itself on the heating costs alone – and your air conditioning would be free! Our local Washington utilities offer rebates for heat pumps because of the real energy savings they provide. The heat pump is also one of the ‘greenest’ ways to heat and cool your home because it is powered off of renewable electricity.

But don’t count air conditioners out just yet! The largest advantage is an air conditioner will give you a cool, comfortable home in the summer with less upfront cost than a heat pump. If you already have an energy efficient way to heat your home, such as a high efficiency gas furnace, then perhaps a heat pump will not yield a high enough return on investment. Or, if space is an issue then an air conditioner may be the right choice as they are more compact and fit into tighter spaces.

Ductless heat pumps

There are also other options out there. Ductless heat pumps can provide super-efficient cooling and heating to homes with no or insufficient ductwork. A ductless heat pump can lower energy costs 25-40% when replacing electric baseboard heat. If you are an electrically heated home, chances are your utility is offering $800-$1200 rebates on these units. They are great for combined heating/cooling of the whole house or just for one room. Another option for a lot less money is a Solar Attic fan. These will use solar power to run a whole house fan. They don’t cool off the house per se, but pull the heat right out of the house and reduce upstairs temperatures but as much as eight degrees.

The important thing here is that you do not need to suffer through those hot summer nights and prices can be reasonable to cool down. Washington Energy Services’ home energy specialists can help you choose your best cooling option. Call 800-398-4663 or

Get a free estimate

Learn more with our infographic about Home Heating and Cooling and how it works

Coil Rumble: Heat Pump vs Air conditioners in Seattle Tacoma Lynnwood WACoil Rumble: Heat Pump vs AC for lynnwood washington homes

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Healthy credit = great loan rates!

Posted On: Filed Under: Home energy audit No Comments on Healthy credit = great loan rates!

It makes sense to have your credit in the healthiest possible condition when you go looking for a loan. Here are some tips to help you polish up your credit score and possibly lower your interest rate:

  1. Pay all bills on time! Late payments really impact your score, and that hit can last awhile. If you are a “frequent forgetter,” set yourself up for automatic bill pay and never be late again.
  2. Have a good mix of credit. Having installment credit (mortgage, auto or student loans) mixed with revolving credit (credit cards) demonstrates your ability to handle both kinds of credit responsibly.
  3. Stay below 30% of available credit. This is called your “balance-to-limit ratio” or your “utilization rate,” and it’s the difference between the amount of credit you have available and the amount you’ve used. For example, if you have one credit card with a limit of $1,000, it’s best if you don’t charge more than $300—that’s a 30% utilization rate. Even better, don’t charge more than $100. The lower the ratio, the better, as far as your credit score is concerned.
  4. Don’t close “old” credit cards, particularly if you’ve kept current on payments and you’ve had the card awhile. The length of your credit history matters, so those “old” cards can be valuable. You might want to put small charges on these cards (and pay them off immediately) so the card issuer doesn’t close the account.
  5. Don’t open a bunch of credit cards to get a higher utilization rate. Having too much available credit can make you look risky, especially if you get a whole lot of credit at once—it might look as if you’re stockpiling credit in advance of expected trouble.
  6. Check your credit history! You can get a free copy of your history from each of the major reporters (Equifax, TransUnion and Experian) once a year at annualcreditreport.com. Check for errors and report them to the agency immediately for correction.
  7. Be cautious of businesses that claim to give you a “free” credit history, but which may charge your credit card a subscription fee for credit tracking or other costly programs.

If your credit history is non-existent or tarnished enough that you find it difficult to get credit, there are ways to begin rebuilding. First and foremost, pay all bills on time, no matter who the bills are going to. Even your cell phone company reports to the credit agencies!

Second, consider a secured card—these are credit cards secured by money you keep on deposit with the card issuer. You can usually charge up to the amount you have on deposit. As you demonstrate responsible behavior, the limit will generally increase until you are able to get an unsecured credit card. These cards are reported to the credit agencies, so your stellar behavior will help you begin building or rebuilding a solid credit history and a great rate-earning credit score!

Article courtesy of Salal Credit Union. All Salal loans and accounts are subject to approval. This credit union is federally insured by the National Credit Union Administration.

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