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We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted. A reply is not considered necessary unless a difference is noted.

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

ROUTING NUMBER: 307070050

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Explore the latest happenings at Kirtland CU and learn about important topics from around the financial world. Here’s your insight! To learn about retirements, investments and financial planning, check out Invested now.

Know Your Credit

March 21, 2019

By Ashleigh, K-Staff

Credit, Fraud, Insighter, Security

Do you know your credit score? And what’s the difference between your credit score and your credit report? Taking control of your credit starts with knowing the answer to these questions.

How do I check my credit score?

Actually, you have more than one credit score! Your credit score is a simplified view of your credit, calculated by each of the three major credit bureaus: TransUnion, Equifax, and Experian.

Credit score service sites like CreditKarma.com can show you your score from all three bureaus at the same time. Many of these sites are free to you (funded by advertising) and others may charge a subscription fee. Be sure to read the details before signing up.

Your credit score can also be found on your detailed credit report from each of the three major credit reporting bureaus.

Your credit score is a good way to quickly gauge your credit worthiness and track improvements.

Take a look at this chart from Experian.com to see where your credit score would fall.

Credit Score	Rating	% of People	Impact
300-579	Very Poor	17.0%	Credit Applicants may be required to pay a fee or deposit, and applicants with this rating may not be approved for credit at all.
580-669	Fair	20.2%	Applicants with scores in this range are considered to be subprime borrowers.
670-739	Good	21.5%	Only 8% of applicants in this score range are likely to become seriously delinquent in the future.
740-799	Very Good	18.2%	Applicants with scores here are likely to receive better than average rates from lenders.
800-850	Exceptional	19.9%	Applicants with scores in this range are at the top of the list for the best rates from lenders.

What's the difference between a credit score and a credit report?

Your credit score is derived from many different aspects of your credit report, the detailed history and culmination of your credit activities. Your report includes open lines of credit, mortgages, auto loans, payment history, bankruptcies, total debt utilization, and other details.

Monitoring your credit report at least yearly can help you catch fraud and identity theft before it can do significant damage to your credit. See a line of credit that’s unfamiliar? You can contact the company and the credit bureau to protect yourself from further damage.

You can get a FREE copy of your credit report annually at AnnualCreditReport.com.

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

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