Access Your Credit Report
Get a free copy of your credit report every 12 months from each credit reporting company.
ACCESS CREDIT REPORT
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
KNOWLEDGE IS POWER
KNOWLEDGE IS POWER
MONITOR YOUR CREDIT REPORT & CREDIT SCORE
Upgrade Your Protection
With Kasasa Protect™, you get affordable 24/7 credit monitoring, credit reporting, and access to a monthly credit score tracker.
EXPLORE FEATURE
PREVENT IDENTITY THEFT WITH KASASA PROTECT™
Don’t become the next victim of identity theft, protect your personal and financial information by activating Kasasa Protect today! Within minutes you can receive:
- 24/7 Credit Monitoring
- Credit Reporting
- Credit Score & Tracking
- Lost Wallet Protection
- Identity Restoration
Take a closer look at Kasasa’s features or Kasasa Protect today by calling us at 800-322-8233, or visiting one of our banking centers.
CREDIT SCORE 101: UNDERSTANDING THE LINGO
What Impacts Your Credit Score
Your credit score is a three-digit number that is a crucial factor that impacts loan and credit card approvals, rental agreements, and even phone plans. A good credit score can help you secure lower interest rates, better loan terms, and more financial opportunities. Your credit score is created from these factors:
- Payment History: On time payments boost your credit score.
- Credit Utilization: Keeping balances low on your credit cards raises your credit score.
- Length of Credit History: A longer credit history is beneficial. Don’t cancel unused credit cards.
- New Credit: Frequent applications for new credit can lower your score.
- Credit Mix: A mix of credit types (loan, mortgage, credit card, etc.) can positively impact your credit score.
Questions about your credit score? Our team of experts is ready to help!
WHAT IS A GOOD CREDIT SCORE
Understanding Makes All the Difference
If you are curious about what is a good credit score, you aren’t alone! While many people understand credit scores are important, there is some confusion on what qualifies as a good or bad credit score.
Good credit scores can help you get approved for loans or mortgages at lower interest rates, while poor credit scores may prevent you from getting approved for a rental agreement, electricity, cell service, loans, credit cards, and more. While lenders have different criteria, here is a general guideline to help you find out if your credit score is good or needs improvement.
- Excellent credit score: 800+
- Very good credit score: 740 – 799
- Good credit score: 670 – 739
- Fair credit score: 580 – 669
- Poor credit score: Under 580
EMPOWER YOUR FUTURE
CREDIT SCORE AND CREDIT REPORT RESOURCES
Your credit score makes a major impact on your life. Take advantage of these tools and tips on how to understand your credit report and improve your credit score.
Using Credit
Borrowing money makes it possible to afford things that you couldn’t otherwise, but make sure you understand what you’re signing […]
Read More
Refinancing Loans
Making payments on a loan with suboptimal terms can make you feel trapped. Luckily, refinancing can help you find more […]
Read More
How Does Amortization Work
If you’ve ever financed a car or taken out a mortgage, you’ve likely heard the word “amortization” tossed around. It’s […]
Read MoreHOW CAN WE HELP YOU
CUSTOMER SERVICE
Locations
Experience the difference of exceptional service when you stop by a local banking center.
FIND LOCATIONS
SKIP THE TRIP
MOBILE BANKING
24/7 Access
Manage your accounts from the palm of your hand whenever it’s convenient for you.
Mobile Deposit
Deposit checks with the snap of a photo.
Transfer Money
Easily transfer money between your accounts or over to a friend or family member straight from the Mobile App.