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Collins Community Credit Union

About Your Credit Score

ATTN:  Credit Cardholders - Last week we underwent a credit card conversion, at which time you received a new credit card with a new account number, expiration date, and CVV code.  Before using your card, please make sure you activate it.  Unfortunately, a few transactions are being declined as some merchants are not online.  We are working diligently with our processors to encourage timely system updates.  We apologize for the inconvenience.  Please contact us directly with any card issues. Thank you for your patience!

Credit scores are calculated by the length of your credit history, if you carry balances on your credit cards, if you max out your cards, how much debt you carry, if you make your loan payments on time, and more.

The FACT Act allows you the right to get one free credit report from each of the three major reporting bureaus (Equifax, Experian and TransUnion) once a year.

Your credit report will show any delinquencies you may have, and a history of all loans and credit cards in your name. Reviewing your credit report frequently also helps you ensure you haven't been a victim of identity theft. 

What can hurt your credit score Maxing out your credit cards, not paying your bills on time and opening too many new accounts in a short period of time are a few key factors that can hurt your credit score. 

A good way to start establishing your credit history is to open a credit card. If you're in college, you can start with a student card, or perhaps you'd like to open a card for your favorite store. Opening a store card can be a good idea because usually you get coupons and can earn points, just make sure that you're using it responsibly.

With credit cards, we recommend never carrying a balance of more than 30% of your credit limit, pay off your balance in full each month and may your payments on time.  

Loans, such as auto and student loans can also help you build credit history. Again, you want to make sure you are making your payments on time and in full. 

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What's New

  • Dreams Come True, Thanks To Our Friends in Blue

    14 November 2017
    This year, once again for many underprivileged kids in the Cedar Rapids area, Santa will be wearing a badge and driving a police car. The Cedar Rapids Protective Police Charity is raising money for their annual Santa Cop program, where local officers will take kids shopping for warm winter clothes and perhaps a few toys as well. Learn More
  • How to Retire Early

    06 November 2017
    Wish you could retire right now? For some of us, this may seem like a fantasy that will never be reached. But, most Americans can retire early if they take the right steps. Learn More
  • Piggy Bank

    Why You Should Open a Savings Account

    23 October 2017
    According to a new survey, approximately 26% of adults have no savings set aside for emergencies while another 36% have yet to start putting away money for their retirement. But sometimes, life happens. We are frequently faced with unexpected expenses, ranging from a traffic ticket to medical bills. Using a savings account is the easiest and least expensive way for many families to cover these expenses. Learn More
  • The 4 Biggest Credit Union Myths

    18 October 2017
    With International Credit Union Day right around the corner, we’ll dispel four of the biggest myths about credit unions. Learn More
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What's New

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