Your credit reports matter

TOPCU is committed to helping you achieve financial sustainability.

Tips to help you build or improve your credit

  • Revolving debt is 50% or less
  • A low debt-to-income ratio demonstrates a good balance between debt and income
  • Check your credit reports at least once per year
  • Dispute errors
  • Check your limits

Make sure you’re building your credit history and enhancing your borrowing power. You can request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. is the official site to help consumers obtain their free credit report.

Interested in learning more?

Talk with a TOPCU professional Contact us