Having a good credit score makes your financial goals more manageable. It could mean the difference between qualifying for or being denied an important loan for a home mortgage, a car loan or a credit card. It could also mean a landlord not agreeing to rent you an apartment. Having a good credit score can get you a better interest rate which could mean thousands of dollars over the course of your home mortgage. A low credit score can also hinder hiring or promotion decisions.
Most credit scores range from 300 to 850. A bad credit score would be from 300 - 549, while a poor credit score would be from 550 - 619. A good credit score would be from 680 - 739, and an excellent credit score would be from 740 - 850.
Your credit score is affected by numerous factors, including payment history, using your credit limits, and the balances on your active credit. Credit inquiries and the number of accounts you have will also have an impact. These are the items that WON’T affect your credit score.
There are several ways you can improve your credit score. First and foremost, you can clean up your credit report. You can also pay down your balances, increase your credit limit, open a new account, negotiate outstanding balance, and make payments on time!
Lost or Stolen ATM/Debit Card: 800-500-1044
Telephone Banking: (931) 289-1990
Main Office: (931) 289-5500
Traditions First Bank - Institution NMLS #791806
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