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.
As an ICCU member, check your credit score anytime with MY CREDIT in eBranch. It's FREE!
Are You Building or Rebuilding?
Building
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.
Rebuilding
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.
| LOAN | BEST IF… | MORE DETAILS |
| Credit Builder Auto | You are a first time car buyer or have a title in hand. | + Credit Builder |
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Credit Builder Auto |
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Use this loan to purchase your first vehicle or use the title to a vehicle you own outright to help you build credit history. This loan is repaid over time with a set number of monthly payments.
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| Share/CD Secured Loan | You don’t qualify for a conventional loan but you have money saved up that can be used as collateral. | + Credit Builder |
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Share/CD Secured Loan |
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If you still want to establish credit but don’t qualify for a conventional loan you can put money in a savings account or certificate of deposit. We will use the money as collateral to issue you a small loan. Use this loan to buy school supplies, do car repairs, or make home improvements. This installment loan is repaid overtime with a set number of monthly payments. To apply for one of our Share Secured Loans, please contact us at 1-800-456-5067.
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| Credit Builder Visa | You have never had a credit card before. | + Credit Builder |
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Credit Builder Visa |
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Use your Credit Builder Visa to buy college books, purchase gas, or in case of an emergency.
Variable Platinum Visa Account Disclosure
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| Secured Visa | You don’t qualify for an unsecured Visa but you have money that can be held as collateral. | + Credit Builder |
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Secured Visa |
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If you are looking for a credit card but don’t qualify for an unsecured Visa you can put money in a savings account or certificate of deposit. We will use the money as collateral to issue you a secured Visa. You can use this card to establish positive credit history. To apply for one of our Secured Visa, please contact us at 1-800-456-5067.
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| LOAN | BEST IF… | MORE DETAILS |
| Credit Rebuilder Auto Loan | You have had credit issues in the past but are looking to re-build your credit. | + Credit Rebuilder |
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Credit Rebuilder Auto Loan |
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Use this loan to purchase a vehicle or use the title to a vehicle you own outright to help re-build your credit. This installment loan is repaid over time with a set number of monthly payments.
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| Share/CD Secured Loan | You don’t qualify for a conventional loan but you have money saved up that can be used as collateral. | + Credit Rebuilder |
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Share/CD Secured Loan |
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If you want to build credit but don’t qualify for a conventional loan you can put money in a savings account or certificate of deposit. We will use the money as collateral to issue you a small loan. Use this loan to buy school supplies, do car repairs, or take a vacation. This installment loan is repaid overtime with a set number of monthly payments. To apply for one of our Share Secured Loans, please contact us at 1-800-456-5067.
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| Secured Visa | You don’t qualify for an unsecured Visa but you have money that can be held as collateral. | + Credit Rebuilder |
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Secured Visa |
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If you are looking for a credit card but don’t qualify for an unsecured Visa you can put money in a savings account or certificate of deposit. We will use the money as collateral to issue you a secured Visa. You can use this card to establish positive credit history. To apply for one of our Secured Visa, please contact us at 1-800-456-5067.
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CREDIT CARE COACHING
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