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All UFCU locations will be closed Thu, Nov 26, 2020 for Thanksgiving Day.
According to Experian™, the average Texan had a credit score of 661 in 2018. Those ratings are only “fair” according to FICO® scores, which range from 300 to 850, so it's no wonder that so many people are asking how to improve their credit. If you have not yet achieved a rating of good or better, read on for practical, doable steps you can take to get there.
FICO scores range from 300 to 850. Generally, those with higher scores are granted credit most easily and thus get better interest rates. Those better rates open doors to more opportunities. In a nutshell, a good score can help you achieve your financial goals at the lowest possible cost. Here’s how FICO scores break down:
To learn what your score is, obtain a copy of your credit report from any of the three major credit bureaus (TransUnion, Experian, or Equifax). You can get your credit report from these bureaus for free annually, but you have to pay to see your score. If there are any errors on your report, be sure you ask these credit bureaus to investigate and correct them.
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