At Academy Bank, we’re here to make your digital banking experience easier. From checking accounts to building your credit
, we strive to make banking fast, easy and personal.
How to Order a Free Credit Report
You are entitled to one free credit report from each agency every 12 months. Order one report from a different agency every four months to monitor your credit year-round for free. Each agency may have different credit scores, so check for accuracy and consistency.
If you notice any errors within your credit report, be sure to raise the appropriate flags to the credit bureau to have the mistakes corrected.
What to Review in Your Report
The FICO score in your credit report has five main factors. These five factors include:
- 10% types of credit
- 10% recent credit applications
- 15% length of credit history
- 30% debt load
- 35% payment history
The chart below breaks these categories down for a better understanding.
Additional items to review in your report:
- Closed accounts
- Public records such as bankruptcies and tax liens