From getting approved for your dream car and getting a credit card with lower interest rates, there are many benefits to improving your credit. Improving your credit score enhances your financial health, saves you money, and lowers stress. Get started by viewing our tools below.
Credit Score Tools in Digital Banking
Staying on top of your credit just got even easier. We've partnered with Array© and enhanced digital banking to include your:
- Credit Report
- Score Factors
- Credit Alerts
- Score simulator
- Debt analysis
The best part? This will automatically be enabled in digital banking, with no effort from you.
Module: Learn About Credit Scores
Start learning about your credit by completing improve your credit score module and learn about:
- Credit Bureaus
- Credit Scoring Models
- Get a Credit Report
- The 20-10 rule
- and more
Download the Zogo app, and type in the access code: myFPCU to start playing.
Flyer: Understanding your Credit Report
Use this tip sheet to learn about the factors that affect your credit score and how you can improve your score.
Courses: A1 Credit Tool
Are you new to the world of credit and interested in learning about its impact on your financial situation? This course walks you through how your budget and savings can impact your credit.
Video: Improving your Credit
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Article: 5 Factors That Affect Your Credit Use this tip sheet to learn about the factors that affect your credit score and how you can improve your score.
Workbook: Understanding Your Credit Report
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Presentation: Understanding Your Credit Report
Video: Why is Credit Important?
Learn why it's important to stay on top of your credit and how it helps you with your big purchases.
Free Annual Credit Reports
When is the last time you reviewed your credit report for accuracy? Come to Wanigas a Division of Financial Plus for a Free Credit Report Review with our knowledgeable staff. We can help you understand your credit report, review your report for accuracy and show you how you may be able to save money.
An amendment to the federal Fair Credit Reporting Act requires each of the nationwide credit reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months
An amendment to the federal Fair Credit Reporting Act requires each of the nationwide credit reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months
Request your free credit report
- The three companies — Equifax, Experian and TransUnion — have set up one central service through which you can order your free annual report.
- When you order, you will be asked to provide your name, address, social security number and date of birth. To verify your identity, you may also need to provide some information that only you would know, like the amount of your monthly mortgage payment.
Report ordering tips
- When you order your reports, request that no more than the last four digits of your Social Security Number appear on copies of your credit report.
- While you may decide to do so, you are NOT required to purchase or subscribe to any other services from a credit reporting company in order to get a free credit report.
- Consider marking your calendar to request a report from a different company every few months, as a preventative measure against ID theft, rather than ordering all three at one time.
- Beware of e-mails, Internet ads and telemarketing calls that promise to obtain your "free annual credit report" on your behalf. In particular, e-mail messages or Internet ads claiming to be from www.annualcreditreport.com are likely to be scams.
Please contact us to schedule a time to review your credit report and help you in any way we can.
