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Understanding Your Credit Score


What you should know about credit scores?

Your credit score is a number that reflects the information in your credit report.

Your credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

Your credit score can change, depending on how your credit history changes.

How we use your credit score?

Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.

The range of scores.

Scores range from a low of 334 to a high of 818.

Generally the higher your score, the more likely you are to be offered better credit terms.


Checking Your Credit Report


What if there are mistakes in your credit report?

You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?


First Port City Bank offers Port City Plus Checking with included Credit Monitoring, Reporting and Scores, as well as other great benefits.


Also under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.

To order your free annual credit report -


By telephone: Call toll-free 1-877-322-8228

On the web: Visit http://www.annualcreditreport.com/

By mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's website at http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281


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