Building Your Credit Starts Here
Having bad credit or no credit can be a real challenge, often making it tough to secure loans or get the things you want in life. That’s why Guardian offers customized solutions that blend great products with helpful educational resources to help our members build their credit. Whether you’re just getting started or looking to improve your score, we’re here to support you every step of the way!
Understanding the Factors That Affect Your Credit Score
Building or rebuilding your credit is possible, and it starts with understanding the factors that play a role in shaping your score. Your credit score is influenced by various factors. Here’s a quick checklist to help you understand what may be impacting your score:
- Payment History (35%): Late payments, defaults, and bankruptcies can hurt your score. Always strive to pay your bills on time.
- Credit Utilization (30%): This is the ratio of your current credit card balances to their limits. Keeping your utilization below 30% is recommended.
- Length of Credit History (15%): The longer your accounts have been open, the better it is for your score. Avoid closing old accounts.
- Types of Credit (10%): A mix of credit types (credit cards, mortgages, installment loans) can positively influence your score.
- New Credit Inquiries (10%): Each time you apply for credit, it results in a hard inquiry. Too many in a short period can lower your score
Start your journey to a better credit score today with personalized tools and expert support.
Credit Improvement Solutions
Credit Matters Loan
Rebuild your credit step-by-step with our simple loan terms and manageable payments. All members qualify, regardless of their credit score.
- Loan amounts range from $600 to $1,500, with a repayment term of 12 months.
- Loan proceeds are placed in a restricted savings account and are released after the loan is paid in full.
- Successful repayment is reported to credit bureaus, which can have a positive impact on your credit score.
- Automatic drafts can be set up to pay this on time, every time.
Secured Credit Card
Unlock better credit opportunities with our Secured Credit Card—safe, simple, and designed to help you grow.
- Fixed Monthly Rate: 1.99% APR*.
- Monthly Participation Fee: $10 applied to the card balance.
- No Minimum Balance Required ($500 minimum encouraged).
- Credit Monitoring Made Easy: Track your progress through our Credit Score Tool accessed through Digital Banking.
Empower Yourself with Knowledge — Explore Our Credit Building Resources and Tools.
Credit Education
Credit Score Tool
Master your credit with our FREE and easy-to-use credit score monitoring tool.
- Free Credit Score Updates
- Credit Alerts to keep you on track
- Tips to improve your credit score
- Personalized offers and finacial guidence
Guardian Financial Literacy
Take control of your financial future—learn credit-building strategies with our free educational tools. Guardian has partnered with Banzai to bring you interactive modules on budgeting, credit management, and debt reduction— all at no cost.
With age-appropriate learning components, these resources are designed for all age groups, ensuring that everyone can strengthen their credit profile, no matter their stage in life.
Get started with Banzai’s free tools to manage and enhance your credit, or explore all of our financial tools and resources designed to empower you on your financial journey.
Explore Credit Resources
Certified Credit Counselors (CCCs)
You’re not alone on your credit journey—Guardian's Certified Credit Counselors are here to help every step of the way. Our team of experts understands the complexities of credit management and is dedicated to helping you achieve your financial goals.
Connect with us at one of our branches or by phone to receive personalized guidance tailored to your situation. Whether you're looking to improve your credit score, manage debt, or simply understand your options better, our counselors are ready to provide the support you need.
*APR = Annual Percentage Rate. Subject to credit approval. Rates subject to change.