Credit Report Review

Understanding your credit report can be confusing. Our certified financial counselors can help.


Take the confusion out of understanding your credit report. Our certified on-site financial counselors will sit down with you and review your personal reports, answering any and all questions you may have about your score.

Key elements that affect your credit score

Below are just a few of the key elements that may be unknowingly affecting your credit score.

Missing payments

Payment history is one of the most important aspects of your score, and even one late or missed payment can have a negative impact.

Using too much available credit 

It can be a red flag that you’re too dependent on credit.

Applying for a lot of credit in a short time

Each time a lender requests your credit reports for a lending decision, an inquiry is recorded in your credit file. These inquiries stay in your file for two years and can cause your score to go down slightly for a period of time.

Defaulting on accounts

The types of negative account information that can show up on your credit report include collections, foreclosure, bankruptcy, repossession, charge-offs, and settled accounts. Each of these can severely hurt your credit for years, even up to a decade.

Regardless of if you’ve experienced any of the above items, it’s important to review your credit report regularly and know where you stand. Doing so will help you be in the best position possible if you do need to borrow money.

Make an appointment with one of our certified financial counselors in Tupper Lake, Plattsburgh, or Potsdam today and start improving your financial health. 


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Personal Loans

Need a personal loan? Our personal loans are unsecured, meaning no collateral is required. Personal loans can be used for debt consolidation or as an alternative to a credit card, where the interest rate is higher.

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Free New Beginnings Checking

Sometimes referred to as second-chance checking accounts or checking accounts for bad credit, these accounts are specifically designed to help our community members with a history of bounced checks, unpaid fees, or account closures improve their banking history and become eligible for a free personal checking account.