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Credit Union West
Routing Number: 322172153
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5 Ways to Build Healthy Credit History

5 steps to begin improving your credit score.

Improving Your Score



Your credit score is a number between 300 and 850 that is based on your financial history. The higher your score, the more credit-worthy you appear to lenders. Since credit affects many important aspects of your life, having a high credit score is key to financial success.

Your credit score changes over time. If your score is lower than you’d like it to be, it doesn’t have to stay that way. Start today to begin improving your score.



Follow these steps to success:

  1. Pay your bills on time. Late payments can quickly lower your score and will linger on your credit report. As a member, you can take advantage of our free Bill Pay feature within Online Banking to set up secure reoccurring automatic payments.

  1. Open credit accounts and use them. The only way to build credit history is to use credit accounts. If you don’t have any credit accounts, consider opening one and learn to use it wisely.

  1. Don’t max out your credit cards. Do your best to keep your debt level on your credit and department store cards below 30% to avoid lowering your score.

  1. Talk to your creditors. Lenders have the ability to change or even lower your interest rate or monthly payment, but you won’t know unless you ask.

  1. Try not to open too many accounts too quickly. Each application for a new credit account affects your score. Too many in a short period of time will likely lower your score. Every line of credit you apply for will stay on your record for at least seven years, even if the account is only open for a day or two.

Take Advantage of Our Credit Experts

Want to learn more about your credit and review your report? We offer a FREE, personalized, one-on-one Credit Guide service.

We know that your score alone does not tell the whole story. You can sit down with one of our credit experts, who will review your credit report with you in person and educate you on potential opportunities to improve your score.

Schedule Free Appointment

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