ENGLEWOOD, Colo. – Centrix Financial here has released an enhanced version of its Credit Ready Program, a product Centrix is actively marketing to the CU market. The Credit Ready Program is Centrix's tool for delivering its Portfolio Management Program directly to CU members with impaired credit, whether the application came in via an indirect lending relationship or directly to the CU. When a member's app doesn't meet the CU's standard credit guidelines, the Credit Ready solution offers the CU an opportunity to accept the loan application under special financing guidelines. In recent years credit unions have become more open to risk-based pricing in order to meet more of their members' lending needs. The enhanced Credit Ready Program also includes a new online loan application, extended service hours, a new procedure guide for employees, an auto purchase guide for members, an updated Credit Ready Credit program, more personalization, and CU marketing material for use in promoting the program.