Peru Federal Savings Bank

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Credit Reports

Our lenders take several different factors into consideration when making credit decisions. Among those factors is a consumer's credit score. Credit scores are calculated by evaluating categories on your credit report including: payment history, amounts owed, length of credit history, new credit and types of credit cards. Obtain your credit report to evaluate your credit score and credit history. Maximize your credit score by following these tips:

  • Pay bills on time
  • Stay current on payments
  • Keep balances low
  • Pay off collection accounts
  • Pay off debt rather than move it
  • Do not close unused accounts
  • Do not open accounts to increase credit limit
  • Re-establish credit history if you have had problems in the past
  • Check your credit routinely
  • Manage credit cards responsibly

Want to check your credit? Visit these Credit Bureau websites:

Equifax

Experian

TransUnion

Check your credit FREE once a year at www.annualcreditreport.com