Please note: Our
San Francisco branch is temporarily closed due to flooding. We apologize for
any inconvenience. The SF branch ATM remains operational. You may also visit
our closest branch in Palo Alto at 490 California Ave. or do your banking
through Tech CU’s Virtual Branch by clicking on the "Make an Appointment" button below. Tech CU’s Online Banking and Mobile Banking app are also
available and all our ATMs are operational. If you have any questions, please
don’t hesitate to reach out to us at (800) 553-0880.
The first thing to remember is that your credit score can vary from month to month-even day to day, sometimes. This is because it is calculated based on the credit data available for you at the credit bureau on the day the score is requested by a lender.
But there are some specific ways to improve your credit score. First, when a lender receives your credit score, it includes "score reason codes" to explain the top reasons your score was not higher. These codes can give you an idea of how you should start improving your score, such as closing unused credit accounts or being more diligent about making payments on time.
Additionally, here are some general suggestions to help you develop a solid credit history and influence your score for the better:
Credit Management Center articles are provided by ConsumerInfo.com, an Experian company