Credit Care Program

Credit Care Program

ICCU’s goal is to help you achieve financial success, and the right credit score helps with that goal. A good credit score can save you thousands of dollars on loans, may aid in getting into an apartment, and a good credit score may even help you get that job.


Whether you’re just starting off and building credit from the beginning or have had a few bumps along the way and need to rebuild, our Credit Care Program can help.

Are You Building or Rebuilding?


If you have little or no credit and are just starting on your path to financial success then Credit Builder is for you. Establishing your credit and being confident in your credit score is made easy with our Credit Builder Loans. Select “Credit Builder” below to get started.



If you’ve had credit issues in the past then Credit Rebuilder is for you. Just because you’ve had issues in the past doesn’t mean you can’t rebound and begin rebuilding your credit. Set a goal and let us help you get there. Select “Credit Rebuilder” below to start climbing.


Idaho Central’s priority is to help you achieve financial success. That begins with knowledge. We want you to be confident in your decision-making process when it comes to credit. These educational pieces below will cover basic financial products and their benefits.


Simply click below to receive direction on how to improve your credit.

ITIN Credit Score Request

The Credit Care Program is designed to provide you with the opportunity to establish credit. Even if you have no credit, are unbanked, or lack a social security number the Credit Care Program can help you receive a credit score and put you on the road to financial success. If you don’t have a valid Social Security Number you probably have an Individual Taxpayer Identification Number (ITIN) issued to you for tax purposes.


While you can’t directly build credit through your ITIN you may still be able to build credit through other data points. When Idaho Central submits information to the credit bureau agencies it submits multiple data points. These data points will help the credit bureaus build your profile and your credit.


To request a credit report using your ITIN simply submit the form below in writing to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281