Credit Report Hints

Order Your Credit Report   

Dispute Credit Report Errors

 Change this to be a button that says Free Credit Report and one that says Dispute Past Credit

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Credit score impact on your financial picture

Score > 720=better interest rates and more borrowing power

Score < 720= higher interest rate and fewer credit options

Credit is part of your financial power. It helps you to get the things you need now, like a loan for a car or a credit card, based on your promise to pay later. Working to improve your credit helps ensure you’ll qualify for loans when you need them.

If your credit score is low, or you just want to make sure it stays high, follow these steps to improve or maintain your score:

  • Pay your bills on time.
  • Do not max out your credit limits.
  • Do not apply for too many new credit accounts in a short period of time.
  • Do not have too many credit card accounts.
  • Develop a credit history as early as possible to demonstrate a long record of responsibility.

If you find inaccuracies on your credit report you should:

  • Dispute the inaccurate information directly with the consumer reporting agency and maybe even with the provider of the information.
  • Tell them in writing what you believe is inaccurate and provide as much proof, including copies of documents, as you can to support your position.
  • The agency generally has 30 days to investigate your complaint.

 

create a button watch video on credit scores

https://www.equifax.com/personal/education/credit/score/video/credit-score-details/

What you will learn:

  • Your credit score is a 3-digit number that represents the status of your credit report
  • Lenders use credit scores as one factor when making certain decisions
  • Generally, the higher your credit score, the higher the likelihood that you will demonstrate good payment behavior
  • There’s no quick fix for a credit score that isn’t excellent
  • But with the right tools, education, and habits, you can get on the right track

Important Disclaimer: From time to time, we provide links to other websites for the use of our visitors, which have been compiled from internal and external sources. By clicking “continue” above, you will be opening a new browser window and leaving our website. Although we have reviewed the websites prior to creating the link, we are not responsible for the content of the sites. Information on linked website pages may become dated or change without notice, and we do not represent or warrant that information contained on these linked pages are complete or accurate. We suggest that you always verify information obtained from linked websites before you act upon such information. The privacy policy of this bank does not apply to the website(s) you visit. We suggest that you always verify information obtained from linked websites before you act upon such information.

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If your Debit Card is lost or stolen, please call 715-423-6460 during working hours.

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KeySavings Bank is a mutual bank....meaning that all of our clients are members. Members enjoy the benefits of reduced fees, lower interest rates on loans and more investment opportunities.