Hot Cocoa Credit Score - NET Credit Union
(844) 220-7845
Select Page

Cozy Up to a Good Credit Score

Cozy Up to a Good Credit Score

Your credit score is like a cozy cup of coca, we’ll help you get the perfect mix.

10% New Credit

Marshmallows

It’s tempting to throw in one more account, but be careful…unlike marshmallows quickly melting away, opening a new card could negatively impact your credit score for one year.

10% Credit Mix

Chocolate

A few extra chips in your hot cocoa could really make it that much tastier! Likewise, FICO likes to see that you can balance a few different account types.

15% Length of History

Sugar

Stir it in slowly, take your time – we don’t want lumps. The longer your credit history, the more favorable to your score.

30% Amount Owed

Cocoa

Are you using all of the heat? Don’t burn up your available credit. Allow it to sit as you pay down more than you spend.

35% Payment History

Milk

Use the milk before the expiration date, and pay your bills before their due date. We suggest two days early. This is the largest part of your credit score don’t let it spoil.

10% New Credit

Marshmallows

It’s tempting to throw in one more account, but be careful…unlike marshmallows quickly melting away, opening a new card could negatively impact your credit score for one year.

10% Credit Mix

Chocolate

A few extra chips in your hot cocoa could really make it that much tastier! Likewise, FICO likes to see that you can balance a few different account types.

15% Length of History

Sugar

Stir it in slowly, take your time – we don’t want lumps. The longer your credit history, the more favorable to your score.

30% Amount Owed

Cocoa

Are you using all of the heat? Don’t burn up your available credit. Allow it to sit as you pay down more than you spend.

35% Payment History

Milk

Use the milk before the expiration date, and pay your bills before their due date. We suggest two days early. This is the largest part of your credit score don’t let it spoil.

The higher the credit score, the more money you’ll save!

Need help raising your credit score? Interested in refinancing or consolidating your debt? We may be able to help raise your credit score, lower your monthly payments & eliminate high-interest credit card debt!

Need to increase your score?

Did you know it takes about 90 days to increase a credit score?

Becoming a homeowner?

Thinking of buying a house? You’ll need at least a 630 credit score to be approved with NET.

Have credit card debt?

You can lose a total of 15 points for opening a retail card the next time you’re shopping.
Cup of hot chocolate in a NET holiday logo mug.

Is your cocoa getting cold? Let’s warm it up!

Credit Score Analysis

Please don't submit secure information.
  • MM slash DD slash YYYY
  • By providing your Annual Gross Income, it allows NET to determine future possible loan amounts.
  • Example: 2019 Ford Escape
  • Your VIN is located on your car insurance card and the sticker in the front window of your vehicle. Please have this number ready when the loan officer contacts you.