Credit Check Request

It's true, a better credit score will save you money on all of your loans. If you've ever wondered what your score was, or how to better your score, this is a perfect opportunity for your to learn. Here at STJ Federal Credit Union we believe it's about being there for our members, educating our members, and continuing to work on the premise that we're people helping people. Fill in your information below and we'll be in contact with you shortly.

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I was scared to learn my credit score. I had field bankruptcy after loosing my job in the economic crash. I’m so thankful that I did, the counselor was able to help me put myself on a realistic path to repair my credit.

I was thrilled to learn that my credit union was offering to check my credit score! I wanted to check my credit using one of the free credit reporting sites, but they wanted my credit card information. Thanks for coming through for me!

3 beneficial credit habits:

Keep your balance on revolving debt, such as credit cards, below 10% of the limit. If possible, pay the entire amount each month.
Always pay installment debts on time i.e., credit cards, auto loans, personal loans, etc.
Keep your oldest account open such as a Visa Credit Card. Try not to open unnecessary new accounts.

3 hurtful credit habits:

Having a habitual balance of over 50% on the revolving debt, such as a credit card. Even more so, if you have more than one credit card and each balance is above or near the limit.
If you miss payments on installment loans, your credit score will go down each time.
If you close your oldest revolving debt. By closing your oldest account, you’ve changed a portion of the credit bureau’s equation. They wan to see a long lasting history of well-maintained revolving debt with little to no balance.

By clicking submit you’re giving STJFCU permission to pull your credit.