Start the New Year Strong with Your Credit

Your best year starts with your best credit score. Whether you are planning to buy a home, finance a car, or simply feel more confident about your finances, understanding and improving your credit can open doors to new opportunities.

As a free benefit for our members, Credit Score and Report makes it easy to stay informed and take action. Available inside digital banking, this tool gives you daily access to your credit score and full credit report with no impact to your score. Everything you need to track progress, build healthy habits, and stay motivated is available in one convenient place.

What Impacts Your Credit Score

Your credit score is influenced by several key factors that reflect how you manage credit over time. Understanding these areas can help you focus on actions that make the biggest impact.

  • Payment history Consistently paying bills on time shows lenders you are reliable and responsible.

  • Credit utilization How much of your available credit you are using matters. Lower balances generally support a healthier score.

  • Credit age A longer credit history can positively impact your score, especially when accounts are well managed.

  • Credit inquiries Opening too many new accounts in a short period of time can temporarily lower your score.

  • Credit mix Having a variety of credit types, such as credit cards and loans, can help strengthen your profile.

Smart Steps to Improve Your Score

Improving your credit does not have to be complicated. Small, consistent actions can lead to meaningful progress over time.

  • Pay bills on time, every time On time payments are one of the most important factors in maintaining or improving your score.

  • Keep credit card balances low Aim to use less than 30 percent of your available credit when possible.

  • Limit new credit applications Applying for new credit too often can result in multiple inquiries that impact your score.

  • Pay down high interest balances first Reducing high interest debt can improve both your score and your overall financial health.

Make Your Credit Goals Actionable

Setting a clear goal helps turn good intentions into real progress. Breaking your goal into manageable steps can keep you motivated and focused.

  • Set short term and long term milestones Identify realistic goals, such as increasing your score by a certain number of points over time.

  • Schedule monthly check ins Regularly review your progress to stay on track and make adjustments as needed.

  • Automate payments Automatic payments can help prevent missed due dates and reinforce positive habits.

  • Stay consistent Building credit is a long term process, and steady effort matters more than quick fixes.

Track Progress with Digital Tools

With Credit Score and Report, your goals are not just ideas. They become measurable and visible. Inside digital banking, you can enter a target score and the reason behind your goal, whether it is buying a home, lowering interest costs, or strengthening your financial future.

You can track your progress over time, see how your actions influence your score, and follow personalized recommendations designed to keep you moving forward. Tools like real time credit monitoring alerts and the credit score simulator help you stay engaged and informed before you make financial decisions.

Everything You Need in One Place

Credit Score and Report includes a full suite of tools to support your journey, including your personalized credit report, real time monitoring alerts, a credit score simulator, a customized action plan, and easy to understand credit education. Together, these features help reinforce good habits like on time payments and lowering debt while giving you clarity and confidence along the way.

Ready to Take the Next Step?

Log in to or enroll in digital banking or our mobile app to explore Credit Score and Report today. With the right tools and a clear plan, you can turn your credit goals into real progress and make this your strongest financial year yet.