With all our recent upgrades our online banking and mobile app have been upgraded. The Mobile app will not be up and running until the week of the 21st, but you can go thru home banking now which is new and improved and much easier to use! your user name will be your account number and the passwords will be the last 4 of your ssn for the first time you sign in! no more code cards!
- Understand the components of a credit score
Healthy credit is more than just the rate you pay on a credit card. Your credit can affect your ability to purchase a home, send your child to college and plan for retirement. FICO Scores are used in over 90 percent of U.S. lending decisions, so understanding how this number is calculated is an important step to improving and managing the health of your credit.
- Aim to only use 30 percent of your available credit.
Using more than 30 percent could negatively impact your score. Keep in mind that most credit card companies report your outstanding balance as of the statement closing date. Paying your bill in full each month prior to the statement closing date will help keep your utilization down and your score up.
- Be careful not to close out your older credit accounts.
Closing older credit accounts could decrease the reported length of your credit history and negatively impact your credit score.
- Be mindful when submitting multiple credit applications.
If you are considering a large purchase such as a car and will be submitting multiple credit applications, try to do so within two weeks to avoid having multiple inquiries impact your credit score.
Pittsburgh Federal Credit Union Thanks you for being a part of our membership
NOW OFFERING MORE FREE ATM ACCESS THOUGH THE ALL-POINT NETWORK
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* IF YOU USE ANY ATM OUTSIDE OF THE ALLPOINT ATM NETWORK YOU WILL BE
CHARGED A FEE OF 2.50