On Thursday, July 23, 2015 from 10am-4pm, OnTrack WNC Financial Education & Counseling will team up with First Citizens Bank’s Brevard Main Office at 96 South Broad Street to offer FREE credit reports and FICO scores. This event is open to the public and no appointment is necessary. The offer provides one free credit report and score per person. A photo ID is required for identification.
An OnTrack WNC certified credit counselor will pull credit reports/scores and conduct a confidential, mini-credit report review to explain credit report basics and identify any immediate areas for improvement. Since OnTrack WNC is a local, housing counseling, non-profit, they are able to pull the report as a “soft inquiry” and it will not impact your credit score.
“Often times it is very challenging to access credit reports online. This event gives local residents the opportunity to easily access their credit report and receive their free FICO score,” said Sarah Brown, Associate Executive Director of OnTrack WNC. “As part of OnTrack WNC’s Financial & Housing Counseling Program funded by United Way Transylvania County, we are excited to be partnering with First Citizens to provide this valuable service,”
Credit reports contain valuable information on borrowing and payment history that banks, credit unions, landlords, insurance companies, and others use to determine credit worthiness. The event provides the FICO credit score used in 90% of lending decisions.
Additionally, to receive a more in-depth review and action plan to help improve or build credit, residents can sign up for free, follow-up credit counseling, an ongoing service offered by OnTrack WNC in Brevard thanks to support from United Way.