Your credit score is a snapshot of your credit risk at a particular point in time. It adjusts upon a sliding scale and can range between 300 and 850. It is important that you know what your FICO (Fair Isaac Corporation) score and understand what factors make up that number.
SavvyMoney Credit Score
Your credit score can impact your ability to get a loan, receive the best loan rate, and in some cases, get a job. To help inform, educate, and assist you improve your score, we’re excited to offer SavvyMoney through our Online / Mobile Banking. Members can check their credit score at any time, right from their phone or computer. To get started:
- Login to Online / Mobile Banking
- Under “My Accounts” in the menu
- Click on “Credit Score”
The program is FREE for members and is a great resource to help you improve your credit score. Plus, we’ll provide you personalized tips on improving your score and send you special offers! You can refresh your report daily without any negative affects to your score. Features include:
Annual Credit Report
The three nationwide credit reporting companies (Experian, TransUnion, and Equifax) have a central Web site, toll-free number, and mailing address where you can order your free annual report. If you are planning a big purchase soon (new car or home) you may want to order all three credit reports at once. That way you can catch and correct any errors right away. If you’re not planning a big purchase, order from one bureau every 4 months to catch suspicious activity throughout the year.
- Website for Free Credit Report: annualcreditreport.com
- Call for Free Credit Report: 877.322.8228
- Mail for Free Credit Report: PO BOX 105281, Atlanta, GA 30348-5281
If you think you have become a victim of identify theft click the icon above to access the Federal Trade Commission’s interactive checklist.
REACH Financial Success Education
Credit Scores and Reports
Your credit score may seem like an ambiguous number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are. This short, interactive learning experience will teach you how credit scores may impact your financial like and provide more information like:
- Checking and monitoring your credit
- How to improve your credit score
- Types of institutions and companies that may use your credit score