It’s a classic Catch-22 of personal finance: You have to have a credit history to qualify for credit. And, you have to have credit to build a credit record. Similarly, if you’ve dinged up your credit record with careless habits, it’s hard to qualify for credit. Certainly, it’s hard to qualify for credit at anything near a reasonable rate of interest.

Vantage Credit Union (Bridgeton) is hosting a free Accel educational seminar on Understanding Credit. Credit, credit reports, budgeting and much more will be discussed.

The seminar will be held Wednesday, July 18, 2012, from 6:00 to 8:00 p.m. and hosted at the Viking Hall Conference Center at 10709 Watson Road, St. Louis, MO 63127.

Electro Savings Credit Union is hosting two free business seminars and business networking events.  The first is a credit education seminar titled "How Your Personal Score Affects Your Business Profile."  The seminar is scheduled for Tuesday, April 3, from 4:30 p.m. - 5:30 p.m.