SmartScore

Schedule a time to meet with us

Access your credit report

Give your credit score a boost

We can help you improve your score. You can take all the credit. With our SmartScore program, you can set up a complimentary visit with one of our reps to review your credit report and receive free counseling once a year. If you want a higher credit score, you want to make this move.

Monitor your credit score and find ways to improve it

Interested? All it takes is a minute to fill out this form and we'll contact you to set up your first appointment.

We'll help you understand what your credit report means and share information during your counseling session about your score and what impacts it. Here's some of the material we'll cover.

Components of a good credit score

  • 35% based on payment history and on-time payments
  • 30% based on the amount of your balance compared to available credit limits, known as capacity
  • 15% based on the amount of time you've had credit
  • 10% based on the amount of debt you've compiled in the past 12 to 18 months
  • 10% based on the types of credit and loans you have

Approximate credit weight for each year

  • 40% for the past 12 months
  • 30% for the past 13 to 24 months
  • 20% for the past 25 to 36 months
  • 10% for the past 37+ months

Actions that hurt your credit score

  • Missing your monthly payment
  • Maxing out your credit limit
  • Opening up numerous credit lines in a short period of time
  • Having more credit cards than installment loans
  • Filing for bankruptcy

Actions that improve your credit score

  • Paying down credit card debt
  • Keeping credit cards open
  • Making on-time payments for several years
  • Reducing the number of new accounts you open

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