Stop in for a FREE Credit Review!
05/16/2025
What is a Credit Score?
Staring with the basics: your credit score is a 3 digit number in the general range of 300 to 850. Lenders use this number to gauge how likely you are to repay borrowed money, with higher numbers indicating better credit health. Your score is determined by several factors, including:
- Payment History
- Amounts Owed
- Length of Credit History
- Types of Credit Used
- Recent Credit Inquiries
Understating the impact of these factors is crucial, as they can impact anything from the interest rates of loans to determine to probability of getting approved for a home.
How can a Free Credit Review help?
Here are the key benefits of our Free Credit Reviews:
- Understanding your Financial Standing
- You will gain a clear understanding of your score—no more guessing or endless Google searches. Instead, you’ll receive accurate, straightforward information directly from our staff.
- Identifying and Correcting Errors
- Credit reports aren’t always accurate. We help you identify and correct these mistakes before they affect your chances of being approved for a loan.
- Improve Your Credit Score
- We provide personalized guidance on the specific steps you can take—because even small, strategic changes to your financial habits can lead to significant improvements in your score.
- Better Loan and Credit Card Rates
- A higher credit score can qualify you for lower interest rates on credit cards, auto loans, mortgages, and more—ultimately saving you thousands of dollars over time and keeping more money in your pocket.
- Prevent Identity Theft and Fraud
- Checking your credit score regularly helps you detect unusual or suspicious activity early on, allowing you to take action quickly and prevent potential fraud from escalating.
Ready to Review?
Whether you are just starting out or looking to fine-tune your credit, we are committed to helping you along your financial journey. Schedule a visit, or stop in to your local GPO branch and sit with one of our representatives. Our team is here every step of the way!