Before Avestar offers an opportunity for a loan, we offer a free Credit Score Analysis (“CSA”). A member’s financial education begins with asking them if they have ever wondered what the big deal is about credit scores and if they are interested in improving their credit score. The effort that credit unions put into financial literacy is the number one advantage of being a member of a credit union. Offering information that is both practical and non-judgmental is commonplace at virtually any credit union.