Know Your Credit Score

Errors on your credit report can negatively affect your credit score and ability to get a loan, rent an apartment and even get a job. Monitoring your credit score regularly can also protect against identity theft and fraud.

Here at First Credit Union – your financial well-being is our number one priority. Just one of the ways we show this is by providing you with a way to monitor your credit score easy through digital banking.

1. Start by logging into digital banking
2. Click “Check Your Score” 
3. Annually download your full credit report from annualcreditreport.com and read through carefully.
4. If you find any mistakes on your credit reports, you should dispute them. 
5. Continue to monitor your score to ensure you have not been a victim of identity theft.

If you are building your credit toward an 850 score, the best ways to improve your score are to: pay bills on time, use less than 30% of your available credit, and monitor your credit regularly.