{"id":2642,"date":"2024-05-03T12:13:46","date_gmt":"2024-05-03T19:13:46","guid":{"rendered":"https:\/\/pointwest.local\/resources\/financial-guides\/credit-pathways\/"},"modified":"2025-05-28T09:20:40","modified_gmt":"2025-05-28T16:20:40","slug":"vias-de-credito","status":"publish","type":"page","link":"https:\/\/www.pointwestcu.com\/es\/recursos\/guias-financieras\/vias-de-credito\/","title":{"rendered":"Caminos de cr\u00e9dito"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__page-hero\" ><div class=\"co-flex_row--row co-row\">\t<header class=\"co-page_hero  co-page_hero__calypso co-page_hero__has_image display-img-desktop\" aria-label=\"Header: Credit Pathways\">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"prow items-center gap:5\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--media pcol-lg:5\">\n\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/31.jpg\" class=\"co-page_hero--img\" alt=\"PW member smiling and posing for the camera.\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/31.jpg 400w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/31-300x300.jpg 300w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/31-150x150.jpg 150w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/31-12x12.jpg 12w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/31-396x396.jpg 396w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/31-350x350.jpg 350w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t<!-- <div class=\"co-page_hero--blob\"><\/div> -->\n\t\t\t\t\t\t\t<div class=\"co-page_hero--blob left\">\n\t\t\t\t\t\t\t\t<div class=\"ps-blob\">\n\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 346 350\">\n\t\t\t\t\t\t\t\t\t\t<path d=\"M251.828 345.182c40.089-12.626 112.781-76.278 88.995-177.474-9.514-40.478-20.053-68.213-37.817-101.823C274.109 2.01 196.228-7.4 146.551 5.697 63.31 27.644-10.879 98.755 2.465 197.03c13.345 98.273 60.132 113.469 85.659 124.795 48.095 21.341 123.614 35.985 163.704 23.358Z\"\/>\n\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-page_hero--blob right\">\n\t\t\t\t\t\t\t\t<div class=\"ps-blob\">\n\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 373 387\">\n\t\t\t\t\t\t\t\t\t\t<path d=\"M248.84 12.929c-39.932-20.483-141.923-26.03-197.127 70.37C29.63 121.86 17.586 151.316 6.82 190.782c-24.19 71.33 28.748 137.43 76.38 164.787 79.812 45.84 188.368 46.736 249.464-39.516 61.095-86.252 36.22-133.357 24.852-161.411-21.419-52.857-68.745-121.23-108.677-141.712Z\"\/>\n\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text pcol-lg:7\">\n\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\t\tCredit Pathways\t\t\t\t\t<\/h1>\n\t\t\t\t\t<p class=\"co-page_hero--tagline\">It&#8217;s time to chart your path to financial freedom<\/p>\t\t\t\t\t\t<div class=\"co-page_hero--buttons\">\n\t\t\t\t\t\t\t<a class=\"co-page_hero--button\" href=\"https:\/\/www.pointwestcu.com\/es\/speed-bump\/?url=https%3A%2F%2Fpointwestcu.creditmountain.org%2F&#038;prev=https%3A%2F%2Fwww.pointwestcu.com%2Fes%2Frecursos%2Fguias-financieras%2Fvias-de-credito%2F\" target=\"_blank\" >Get Started Today<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__page-intro\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-page_intro\">\n\t\t<div class=\"co-page_intro--desc text-component\"><div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 break-words [.text-message+&amp;]:mt-5 overflow-x-auto whitespace-normal\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"3c2660da-aa78-43d7-9c24-2c39a4ceccac\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert dark\">\n<p>Create a custom plan designed around your specific financial needs. Credit Pathways offers 24\/7 access to tailored strategies and real-time credit tracking to help you succeed\u2014all free to enroll and use, giving you the tools you need at no cost.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__gray co-flex_row__next_row_diff co-flex_row__digital-banking-features\" ><div class=\"co-flex_row--row co-row\">\n<div class=\"co-digitalBanking\">\n\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">See what Credit Pathways can do for you<\/h2><div class=\"co-intro_text--intro text-component\"><p>Transform your financial goals into achievable milestones.<\/p>\n<\/div>\t\t<\/header>\n\t\t\n\t\t<div class=\"co-digitalBanking--mobile\">\n\t\t\t<div class=\"co-digitalBanking--help-text text-component\">\n\t\t\t\t<p>Swipe to view more features<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"co-digitalBanking--slider glide\">\n\t\t\t\t<div class=\"glide__track\" data-glide-el=\"track\">\n\t\t\t\t\t<div class=\"glide__slides\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--slide glide__slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide-text\">\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Track your credit score<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Keep tabs on your credit score with ease. Credit Pathways gives you up-to-date information to help you make informed financial decisions.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"device\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/7.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways Credit Score Tracker\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/7.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--slide glide__slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide-text\">\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Personalized help from a digital credit counselor<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Get personalized advice from Credit Pathways whenever you need it. Tailored support helps you take control of your financial future.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"device\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/5.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways and credit scores\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/5.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--slide glide__slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide-text\">\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Articles targeting your specific needs<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Dive into expert advice and articles tailored to your specific financial journey. Get the insights you need to make informed decisions.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"device\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/4.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways available financial articles\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/4.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--slide glide__slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide-text\">\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Build a personalized path for your financial goals<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Achieve your goals with a personalized financial plan. Our tools and advice are tailored to fit your individual needs.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"device\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/6.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways goals available\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/6.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--slide glide__slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide-text\">\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Easy access to recommended Point West products<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Discover Point West products that match your financial goals at every step. Whether you need loans or savings, Credit Pathways provides everything to help you succeed.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"device\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways opportunities\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--slide glide__slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide-text\">\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Explore tools to meet your goals<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Leverage a range of financial tools designed to help you meet your goals. From budgeting to credit tracking, Credit Pathways has you covered.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"device\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/8.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways tools available for goals\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/8.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"co-digitalBanking--desktop\">\n\t\t\t<div class=\"js-tabs prow\">\n\t\t\t\t<div class=\"co-digitalBanking--col-left pcol-md:6 pcol-xl:4\">\n\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle js-tab_toggle_large\" data-tabtitle=\"trackyourcreditscore\"\n\t\t\t\t\t\t\tdata-tabindex=\"0_trackyourcreditscore\"\n\t\t\t\t\t\t\taria-label=\"Open Track your credit score\">\n\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Track your credit score<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Keep tabs on your credit score with ease. Credit Pathways gives you up-to-date information to help you make informed financial decisions.<\/p>\n<\/div>\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle js-tab_toggle_large\" data-tabtitle=\"personalizedhelpfromadigitalcreditcounselor\"\n\t\t\t\t\t\t\tdata-tabindex=\"1_personalizedhelpfromadigitalcreditcounselor\"\n\t\t\t\t\t\t\taria-label=\"Open Personalized help from a digital credit counselor\">\n\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Personalized help from a digital credit counselor<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Get personalized advice from Credit Pathways whenever you need it. Tailored support helps you take control of your financial future.<\/p>\n<\/div>\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle js-tab_toggle_large\" data-tabtitle=\"articlestargetingyourspecificneeds\"\n\t\t\t\t\t\t\tdata-tabindex=\"2_articlestargetingyourspecificneeds\"\n\t\t\t\t\t\t\taria-label=\"Open Articles targeting your specific needs\">\n\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Articles targeting your specific needs<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Dive into expert advice and articles tailored to your specific financial journey. Get the insights you need to make informed decisions.<\/p>\n<\/div>\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"co-digitalBanking--col-center pcol pcol-xl:4\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--mobile-tabs\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--tab js-tab co-tab__0\">\n\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle\"\n\t\t\t\t\t\t\t\t\t\tdata-tabindex=\"0_trackyourcreditscore\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Open Mobile Tab Track your credit score\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Track your credit score<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Keep tabs on your credit score with ease. Credit Pathways gives you up-to-date information to help you make informed financial decisions.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--tab js-tab co-tab__1\">\n\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle\"\n\t\t\t\t\t\t\t\t\t\tdata-tabindex=\"1_personalizedhelpfromadigitalcreditcounselor\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Open Mobile Tab Personalized help from a digital credit counselor\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Personalized help from a digital credit counselor<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Get personalized advice from Credit Pathways whenever you need it. Tailored support helps you take control of your financial future.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--tab js-tab co-tab__2\">\n\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle\"\n\t\t\t\t\t\t\t\t\t\tdata-tabindex=\"2_articlestargetingyourspecificneeds\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Open Mobile Tab Articles targeting your specific needs\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Articles targeting your specific needs<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Dive into expert advice and articles tailored to your specific financial journey. Get the insights you need to make informed decisions.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--tab js-tab co-tab__3\">\n\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle\"\n\t\t\t\t\t\t\t\t\t\tdata-tabindex=\"3_buildapersonalizedpathforyourfinancialgoals\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Open Mobile Tab Build a personalized path for your financial goals\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Build a personalized path for your financial goals<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Achieve your goals with a personalized financial plan. Our tools and advice are tailored to fit your individual needs.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--tab js-tab co-tab__4\">\n\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle\"\n\t\t\t\t\t\t\t\t\t\tdata-tabindex=\"4_easyaccesstorecommendedpointwestproducts\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Open Mobile Tab Easy access to recommended Point West products\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Easy access to recommended Point West products<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Discover Point West products that match your financial goals at every step. Whether you need loans or savings, Credit Pathways provides everything to help you succeed.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--tab js-tab co-tab__5\">\n\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle\"\n\t\t\t\t\t\t\t\t\t\tdata-tabindex=\"5_exploretoolstomeetyourgoals\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Open Mobile Tab Explore tools to meet your goals\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Explore tools to meet your goals<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Leverage a range of financial tools designed to help you meet your goals. From budgeting to credit tracking, Credit Pathways has you covered.<\/p>\n<\/div>\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"device\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--panel\" data-tabindex=\"0_trackyourcreditscore\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--screen js-tab_content\" aria-label=\"Tab Content for Track your credit score\" data-tabindex=\"0_trackyourcreditscore\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/7.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways Credit Score Tracker\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/7.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/7-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--panel\" data-tabindex=\"1_personalizedhelpfromadigitalcreditcounselor\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--screen js-tab_content\" aria-label=\"Tab Content for Personalized help from a digital credit counselor\" data-tabindex=\"1_personalizedhelpfromadigitalcreditcounselor\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/5.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways and credit scores\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/5.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/5-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--panel\" data-tabindex=\"2_articlestargetingyourspecificneeds\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--screen js-tab_content\" aria-label=\"Tab Content for Articles targeting your specific needs\" data-tabindex=\"2_articlestargetingyourspecificneeds\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/4.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways available financial articles\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/4.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/4-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--panel\" data-tabindex=\"3_buildapersonalizedpathforyourfinancialgoals\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--screen js-tab_content\" aria-label=\"Tab Content for Build a personalized path for your financial goals\" data-tabindex=\"3_buildapersonalizedpathforyourfinancialgoals\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/6.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways goals available\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/6.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/6-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--panel\" data-tabindex=\"4_easyaccesstorecommendedpointwestproducts\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--screen js-tab_content\" aria-label=\"Tab Content for Easy access to recommended Point West products\" data-tabindex=\"4_easyaccesstorecommendedpointwestproducts\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways opportunities\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/340-x-737-Website-OLB-Component-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--panel\" data-tabindex=\"5_exploretoolstomeetyourgoals\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-digitalBanking--screen js-tab_content\" aria-label=\"Tab Content for Explore tools to meet your goals\" data-tabindex=\"5_exploretoolstomeetyourgoals\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"737\" src=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/8.jpg\" class=\"co-digital-banking-feature--img \" alt=\"Image of Credit Pathways tools available for goals\" srcset=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/8.jpg 340w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-138x300.jpg 138w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-6x12.jpg 6w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-183x396.jpg 183w, https:\/\/www.pointwestcu.com\/files\/2024\/03\/8-161x350.jpg 161w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"co-digitalBanking--col-right pcol-md:6 pcol-xl:4\">\n\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle js-tab_toggle_large\" data-tabtitle=\"buildapersonalizedpathforyourfinancialgoals\"\n\t\t\t\t\t\t\tdata-tabindex=\"3_buildapersonalizedpathforyourfinancialgoals\"\n\t\t\t\t\t\t\taria-label=\"Open Build a personalized path for your financial goals\">\n\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Build a personalized path for your financial goals<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Achieve your goals with a personalized financial plan. Our tools and advice are tailored to fit your individual needs.<\/p>\n<\/div>\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle js-tab_toggle_large\" data-tabtitle=\"easyaccesstorecommendedpointwestproducts\"\n\t\t\t\t\t\t\tdata-tabindex=\"4_easyaccesstorecommendedpointwestproducts\"\n\t\t\t\t\t\t\taria-label=\"Open Easy access to recommended Point West products\">\n\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Easy access to recommended Point West products<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Discover Point West products that match your financial goals at every step. Whether you need loans or savings, Credit Pathways provides everything to help you succeed.<\/p>\n<\/div>\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"co-digitalBanking--item js-tab_toggle js-tab_toggle_large\" data-tabtitle=\"exploretoolstomeetyourgoals\"\n\t\t\t\t\t\t\tdata-tabindex=\"5_exploretoolstomeetyourgoals\"\n\t\t\t\t\t\t\taria-label=\"Open Explore tools to meet your goals\">\n\t\t\t\t\t\t\t\t<h3 class=\"co-digitalBanking--heading\" >Explore tools to meet your goals<\/h3><div class=\"co-digitalBanking--desc text-component\"><p>Leverage a range of financial tools designed to help you meet your goals. From budgeting to credit tracking, Credit Pathways has you covered.<\/p>\n<\/div>\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__single-path-cta\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sp_cta\">\n\t\t<div class=\"co-sp_cta--inner\">\n\t\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Ready to unlock your financial potential?<\/h2>\t\t<\/header>\n\t\t<a class=\"co-sp_cta--button\" href=\"https:\/\/www.pointwestcu.com\/es\/speed-bump\/?url=https%3A%2F%2Fpointwestcu.creditmountain.org%2F&#038;prev=https%3A%2F%2Fwww.pointwestcu.com%2Fes%2Frecursos%2Fguias-financieras%2Fvias-de-credito%2F\" target=\"_blank\" >Start your Credit Pathways journey<\/a>\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__back-to-top\" ><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\t\n  <a class=\"co-back_top--link\" href=\"#\" aria-label=\"\">\n\tBack to Top\t<svg class=\"co-back_top--link_icon\" aria-label=\"Back to Top\" width=\"18\" height=\"27\" viewBox=\"0 0 18 27\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.357965 8.16977L8.1358 0.359459C8.61308 -0.119821 9.38692 -0.119821 9.8642 0.359459L17.642 8.16977C18.1193 8.64905 18.1193 9.42612 17.642 9.9054C17.1647 10.3847 16.3909 10.3847 15.9136 9.9054L10.2222 4.19017L10.2222 25.7727C10.2222 26.4505 9.67498 27 9 27C8.32502 27 7.77783 26.4505 7.77783 25.7727L7.77783 4.19017L2.08637 9.9054C1.60909 10.3847 0.835252 10.3847 0.357965 9.9054C-0.119321 9.42612 -0.119321 8.64905 0.357965 8.16977Z\" fill=\"#FAAA64\"\/>\n\t<\/svg>\n  <\/a>\n<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Disclosures<\/h2>\n\t\t<dl class=\"co-disclosures--list\">\n\t\t\t\t\t\t\t<div class=\"co-disclosure\">\n\t\t\t\t\t<dd class=\"co-disclosure--desc text-component\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text-component\"><p><em>*Credit Pathways is a service of Credit Mountain. Neither Credit Mountain nor Point West Credit Union can guarantee that your credit score will improve or that you will be approved for credit products in the future. The advice provided by Credit Pathways\u2019 technology might be different from the advice you would receive from a certified credit counselor.<\/p>\n<p>Enrollment is required to use Credit Pathways. You do not need to be a member of PWCU in order to enroll.<\/p>\n<p>Credit Pathways is free to enroll in and use. You will have the option to purchase services, like rent reporting, from Credit Mountain\u2019s affiliate partners. You may also be offered an optional credit builder loan that includes interest charges (subject to availability).<\/p>\n<p>For questions about Credit Pathways, please email support@creditmountain.org.<\/em><\/p>\n<\/div>\t\t\t\t\t<\/dd>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/dl>\n\t<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":2639,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2642","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Pathways - Point West Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pointwestcu.com\/es\/recursos\/guias-financieras\/vias-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Pathways - 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