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Collins Community Credit Union

About Your Credit Score

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. 

View our credit card options:

What's New

  • Collins Community Credit Union Named 2017 Top Workplace by Des Moines Register

    21 September 2017
    Collins Community Credit Union, headquartered in Cedar Rapids, Iowa, has been awarded a 2017 Top Workplaces honor by The Des Moines Register. Learn More
  • Steps to Start an Emergency Fund from Zero

    18 September 2017
    You know you should have an emergency fund, but where do you start? The key word is "start." Check out our latest blog post to learn how to start building up your emergency fund. Learn More
  • Money Savings Tips Every College Student Should Know

    05 September 2017
    Are you the kind of person who has a taste for fine wine, but can only afford a beer budget? It’s okay, we understand. College can be expensive. Actually, let’s scratch that; college IS expensive. However, there are multiple money saving tips that can save you cash and increase your savings. Learn More
  • How to Dress for Success on a Budget

    28 August 2017
    Most of us have heard of the saying, “Dress for the job you want, not the job you have.” If you want to advance in your current position, move up in the company, or transfer to a better job, always be prepared to sell yourself. However, if your bank account isn’t overflowing with cash, don’t worry! Follow these tips and tricks to dress for success in the workforce, all the while saving yourself some moolah. Learn More
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What's New

  • Free Retirement Seminar Presented by Collins Wealth Management Group

    October 17, 2017
    6:00 PM
    7:00 PM
    Kirkwood Linn Regional Center
    29 August 2017
    What lies ahead for you? Whatever your retirement goals are, ensuring a steady stream of income during retirement will be an important part of the road ahead. Social Security, how to use your 401(k) and how to manage investments are common concerns during retirement income planning.  Learn More
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