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Check Your Credit
Whether you’re renting or buying, your credit score is significant. It is important for you to responsibly manage your debt levels and maintain good credit reports so that you are more attractive to leasing agents and mortgage lenders.
With our United Rewards Checking Account you get free credit file monitoring and access to your credit report every 90 days. Your most recent credit score will always be posted to your online dashboard, so you’re always in control.
It’s important to start building good credit at an early age. Check out our Be Smart About Credit postcard for students.
Credit Dos and Don’ts
What You Should Be Doing
DO read the fine print on a credit application. The application is a contract, so read it carefully before signing. Credit card companies are very competitive so interest rates, credit limits, grace periods, annual fees, terms and conditions may vary.
DO order a copy of your credit report annually. AnnualCreditReport.com is the only authorized source for the free credit report that is yours by law. You can request your free report online, by phone or by mail. Visit www.annualcreditreport.com, call 1-877-322-8228 or fill out the Annual Credit Report Request form and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA, 30348-5281.
DO be wary of anyone who claims they can "fix" your credit report. No one can legally remove negative accurate information from your credit history. The only thing that can fix a credit report is time and a positive payment history.
What You Should Not Be Doing
DON'T want a credit card or don’t think you’re ready for the responsibility? Just say "no." Just because you receive a credit offer, doesn’t mean you have to accept it. If you no longer wish to receive prescreened offers, opt out. Call 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com.
DON'T ignore the warning signs of credit trouble. If you pay only the minimum balance, pay late, use cash-advances to fund daily living expenses or transfer a lot of balances you might be in the "credit" danger zone. Talk to a financial counseling organization to regain control of your finances.
DON'T share your credit card number. Never give out credit card or personal information if you have not initiated the transaction. Be aware of identity theft and phishing scams that ask for credit card numbers.
All information is captured and built by the ABA and authorized for reuse by affiliated banks. The source information can be provided if requested.