Wire Notice - Update as of Thursday, January 23, 2020: We are receiving inbound international wires. For details on outbound international wires in USD, please login to Digital Banking. Travelex, our international wire partner, is making progress in restoring their systems. We apologize again for any inconvenience this may cause, and we’ll continue updating you as we have further developments. Learn more about the latest update here.

Guide to Credit

Having a healthy credit history and respectable credit score is of high value in the U.S., especially if you are interested in obtaining credit cards, financing a car, buying a home and sometimes even for finding employment.


Learn about credit reporting and scoring with Credit Union member Annika and staff member Dan. Annika shares her story about establishing credit after moving to the U.S., and Dan explains how BFSFCU can help you establish credit in this brief video.

We have gathered some reliable resources to help you learn about maintaining a good credit history, how to obtain your credit report and what to do when you find errors in your credit report.

The U.S. has three major crediting bureaus - organizations that gather public record and consumer credit information.  Most of the information found on the reports from each of these bureaus are similar, but because they pull their information from different sources, it is always best to check your records with all three.

The Fair Credit Reporting Act (FCRA) requires each of these crediting bureaus to provide consumers with a free copy of your credit report, at your request, once every 12 months.   The U.S. Federal Trade Commission recognizes http://www.annualcreditreport.com as the only source for obtaining a free credit report from all three agencies and advises consumers to be wary of impostor sites that allegedly offer the same service.

Credit Counseling

If you are experiencing financial difficulties, credit counseling can help you get back on track. The National Foundation for Credit Counseling is a free, not-for-profit service that can put you in touch with a professional credit counselor and financial education expert who can assist you in managing your finances.