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Credit Resources

Request Your Credit Report Online

Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one no-cost credit file disclosure (credit report) from each nationwide credit reporting agency every 12 months.

It's quick, easy, and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

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Obtain Your Free Credit Report

Once you receive a copy, you may need help understanding the details.  If so, we are here to help!

Freeze Your Credit

A credit freeze makes it unlikely that your stolen financial information can be used to open new accounts in your name. Most creditors check your credit history as part of the application process — with a freeze in place, they can't access your credit history and will decline to open a new account. Freezing your credit doesn't affect your score and when you want to open up a new credit line, you simply unfreeze your credit temporarily. Freezing and unfreezing your credit at each of the three credit bureaus — Equifax, Experian and TransUnion — is free to consumers. Learn more and get started at the link below.

Security Freeze

The percentages in the chart reflect how important each of the categories are in determining how your FICO Score is calculated.

 

Credit Score Information

The FICO® Score is calculated from several different pieces of credit data in your credit report. This data is grouped into five categories. The percentages in the chart above reflect how important each of the categories are in determining how your FICO Score is calculated.

Starting in the 1960s, Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industry. This new approach to lending enabled financial institutions to improve their business performance and expand consumers’ access to credit. Today Fair Isaac’s FICO® score is widely recognized as the industry standard.

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Good Credit Has its Rewards

Many things in your life are based on your credit score. Whether you are buying a car, a house, renting an apartment, or even applying for a job, your credit is being reviewed. Having poor credit can have a negative impact on your life in a variety of ways.

Best Reward Federal Credit Union wants to help you increase your credit score to save you money and improve your financial well-being. Our loan staff will meet with you one-on-one and review your credit report to show you: what makes up your score, what actions can hurt your score, and how to improve your score. The higher your credit score, the better the rate you will receive on loans; saving you thousands of dollars over the life of the loan. We are committed to helping you build good credit.

Contact us to set up an appointment!

 

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