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Toll-Free 1-877-STANNES (1-877-782-6637)

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What is Credit?

Your ability to maintain and handle multiple types of credit accounts is analyzed as part of your credit, and when managed responsibly the diversified accounts can improve your score and help you establish beneficial credit behavior.  

Credit Scores

Although your credit score is calculated based on the information provided in your credit report, the report itself won’t include your score. Knowing your score will put you at an advantage when you’re in the market for a loan, mortgage or other credit product by preparing you with a rating of your creditworthiness. Consumers with higher credit scores pose less of a risk for lenders, exhibiting the ability to repay debts on time whereas lower scores reveal more undependable borrowing habits and are less likely to result in approval and favorable terms. For example, the interest on a loan will be lower for a higher score and higher for a lower score since interest rates are often tied directly to your credit score. Higher credit scores will also qualify individuals for additional benefits such as more negotiation power and higher credit limits. In order to equip yourself with your most truthful credit score, you must first carefully review the information detailed in your credit report for accuracy. Any errors or inaccuracies should be reported immediately upon discovery as a mistake on your credit report can unrightfully and negatively impact your credit score.


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St. Anne's Credit Union would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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