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What makes up a Credit Score?
- Payment history:
Paying bills on time helps your score. On the flip side, paying late and how often you are late works against you.
- Money you owe:
The number of accounts and the total amount you owe affect your score.
- Length of credit history:
The longer you’ve had credit, the better, especially if you have used your credit responsibly.
- Types of credit:
Credit cards and car loans are different types of credit — the mix of credit you have is included.
- Recent debt:
Your score can go down if you open several accounts in a short period of time.
Having an account referred to collections or declaring bankruptcy can affect your score.
How can you keep your Credit Score strong?
- Pay bills on time — set up automatic payments so you don’t miss any.
- Keep balances on credit cards low.
- Open credit only when you need it.
- Keep a good mix of credit, not just credit cards.
How can you hurt your credit?
- Maxing out your credit cards.
- Making late payments.
- Moving debt from one account to another.
- Opening several accounts at one time.
- Having loans with finance companies.
- Closing a number of credit cards suddenly.
- Defaulting on a loan or credit card.
What can you do to help repair your credit?
- Contact us for help if you are experiencing debt issues.
- Plan a budget to pay down your debt.
- Stay within your planned budget.
- Work to establish credit over time.
- Use your credit cards wisely.
- Catch up on payments.
- Keep an eye on your credit report.
All About Credit
When you apply for a loan, we'll check your credit rating, which will influence your rate and term.
I didn't find the information I needed…
How much is my payoff?
Find out by contacting us at 1.800.858.3400. You can also find your payoff with Online and Mobile Banking.
What are your interest rates on a new or used car?
Check out the Rates page for current rates on all vehicles.
Can I refinance my car loan?
Of course! Learn more about refinancing.
How do you decide who gets a loan?
Find out more about how loans are approved.