Log In to your Valley Strong Services

Forgot Password / Enroll

Online Banking Login

Credit Score Education

Empower your financial future

with a great credit score

Having a solid credit score is key to your financial health, allowing consumers to access lower interest rates and better terms on mortgages, credit cards, auto loans and more. Lenders look at your score to see how well you have handled credit in the past, using it as an indicator of how likely you are to pay back the money they lend you in the future.

Credit scores usually range from 300 to 850; the higher the score, the better your credit, and the more attractive rates you’ll be offered. Could your credit score use a boost before applying for a loan? Here’s what you need to know.

saavy-money.png

How your credit score
is determined

To build your credit score, it helps to understand how it’s calculated. There are three main credit bureaus, and five key factors affect your score:

  • On-time payments: Late payments can significantly lower your score; paying bills on time is crucial.
  • Credit history length: The longer your credit history, the better for your score.
  • Credit utilization: Aim to use only up to 30% of your credit limit.
  • Credit applications: Applying for multiple accounts at once can hurt your score.
  • Credit mix: A variety of credit types, like credit cards and loans, is beneficial.

     

Stay on top of your credit by signing into Online and Mobile Banking.

Your credit score is a vital part of your financial profile, and it can have a significant impact on your ability to access credit and loans. With our credit score monitoring service, you'll have all the information you need to stay on top of your credit and make informed decisions about your financial future.

Here's what you can expect:

  • Real-time credit score updates and alerts
  • Detailed insights into the factors affecting your score
  • Credit report monitoring with regular updates and alerts
  • Expert advice and guidance for improving your score and managing finances.

Log in to online banking or the mobile app to track your credit score, monitor your credit report, and get the best loans from Valley Strong!

  • When using the mobile app, click the hamburger menu button located at the bottom right, then click the "Credit Score and Report" widget.
  • When using online banking, click the "More" button and a menu will appear revealing the "Credit Score and Report" widget