MADISON, Wis. (9/30/09)--Obtaining a secured loan from a credit union is a good way to improve a person’s credit history without using credit cards, the Credit Union National Association (CUNA) told MSN Money Tuesday. Susan Tiffany, CUNA director of consumer publications, told Liz Pulliam Weston in a column titled “Build Credit Without Credit Cards” that a secured loan from a credit union--often called a “share-secured loan”--may be easier to get than bank loans. This is because credit unions usually are willing to look beyond credit scores when lending, Tiffany added. “[Credit unions] don't treat credit scores as the only source of information about you,” Tiffany told the publication. “They're looking for ways to say yes. Are you responsible with your checking account? Are you demonstrating that you're trying to be a regular saver? Those behaviors can help.” The article includes seven tips and four traps to avoid when trying to build a good credit history. It also links to CUNA’s website and its credit union locator to help readers locate a credit union. For the full article, use the link.