Credit Score Curiosity
July 2022

Confused about credit? Unsure how to build it, how often you should check it, or what a credit score even is?

We get it—credit scores can often seem scary, daunting, and confusing, but yours doesn’t need to be! Your credit history is simply a record of borrowing money and paying it back.

Keeping a good credit score (700 is good, 800 is great) is important because companies use it to determine the interest rate you'll pay when buying a car, approve your apartment lease, finance your cell phone, and much more.

Here’s a tip: Make it a habit to check your credit history at least once a year to stay in the know and make any improvements, changes, or simply identify areas to keep an eye on. Each of the three major credit reporting companies, including Equifax, Experian, and TransUnion provide free yearly credit reports that can be accessed by visiting www.AnnualCreditReport.com, and some have started to offer additional free reports throughout the year. By checking regularly, it’s easy to identify cases of identity theft or incorrect information.

Want to learn about more ways to handle your money? Check out this free Why is Credit History Important? article from our partners at GreenPath Financial and start planning today!

Gesa Credit Union is deeply committed to financial education in the community. Seminars are available to everyone, regardless of whether or not you are a member. Gesa also offers free financial literacy materials and onsite workshops to high schools, colleges, clubs, businesses, and other groups. There is no cost for speakers or materials and each presentation can be tailored to suit the needs of your group or organization.

“Paying for College” (January 2021)
Learn what drives college costs, what families typically pay, review Gesa scholarship opportunities, and discuss available financial aid options to help cover college costs.

“Assembling a Successful Application”
(December 2020)
Review a timeline for developing the four key elements of your college admissions packet: course transcripts, standardized testing results, admissions essays, and a description of extracurricular activities.

“Planning Ahead for Your College Career” (December 2020)
Learn how to build a semester-by-semester plan for high school students and families to maximize their opportunities to successfully enroll in the college of their choice.

“Preparing for College Admissions During COVID-19” (April 2020)

Valuable information for families navigating the college admissions process during COVID-19.

“Fighting Today's Fraud” (April 2020)
Valuable tips to help protect yourself from fraud.
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