SCAM ALERT - AACU will NEVER contact you and ask you for your account number, card number, online banking ID, password, PIN, verification code, or SSN, and we will NEVER send you a link by text or email asking you for your account number, password, secure access code, or PIN. DO NOT share any personal or financial information during an unexpected call. If a call feels suspicious, hang up and call us at 800.223.1983. Your security is our top priority.
First-Time Homebuyer Guide
Nervous about buying a home? Our guide's got you covered!
Credit Guide
Your Credit Score
Good credit is crucial! Your credit score is a number that shows how likely you are to pay back a loan on time.
Credit is based on a few different factors, so to build good credit, remember to use it responsibly, pay your bills on time, and only spend what you can pay back. Your credit score can go up or down depending on how much credit you have access to, how much you’ve used, and your payment history. A higher score is always better—it makes you more likely to qualify for a home loan.
Building Your Credit
There are a few ways to start building your credit history and boosting your credit score. Not sure how to begin?
Make a free appointment online and we’ll gladly help you find the best strategy for your needs.
Checking Your Credit
There are a number of ways to check your credit. Federal law allows you to obtain a free copy of your credit report every 12 months from each credit reporting company's website. Click the link below to get started.
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Experian
To reach Experian you can visit them online or call 1.888.397.3742 -
Equifax
To reach Equifax you can visit them online or call 1.800.685.1111 -
TransUnion
To reach TransUnion you can visit them online or call 1.888.909.8872
Pro Tip:
Refrain from making larger purchases during the home buying process. Consult with your mortgage loan officer before making any financial decisions that could affect your monthly payments and credit score. If you have questions about credit or how to build credit, call us at 800.223.1983 or make a free appointment online.
First-Time Homebuyer Main Page
Nervous about buying a home? Our guide's got you covered!
Is Buying A Home Right For You?
Knowing when to buy can be tricky. Learn what you need to think about before looking for your new home.
Homebuying Costs
Don't get caught by surprise. Get a clear picture of what to expect during your home buying process.
Get Pre-Qualified
Getting pre-qualified is the first step. Learn how to do it and what it mean.