Free Credit Reports And FICO Scores Offered In Brevard


October 10, 2019

On Friday, Oct. 25, from 10 a.m. until 4 p.m., OnTrack WNC Financial Education & Counseling will team up with First Bank at 2 Market St. in Brevard to offer free credit reports and FICO scores. This event is open to the public and no appointment is necessary. The offer provides one free credit report and score per person. A photo ID is required for identification.

An OnTrack WNC certified credit counselor will pull credit reports/scores and conduct a confidential, mini-credit report review to explain credit report basics and identify any immediate areas for improvement. Since OnTrack WNC is a local, housing counseling, non-profit, they are able to pull the report as a “soft inquiry” and it will not impact your credit score.

“Often times it is very challenging to access credit reports online. This event gives local residents the opportunity to easily access their credit report and receive their free FICO score,” said Sarah Brown, deputy director of OnTrack WNC. “As part of OnTrack WNC’s Families & Money Program funded by United Way of Transylvania County, we are excited to be partnering with First Bank to provide this valuable service.”

Credit reports contain valuable information on borrowing and payment history that banks, credit unions, landlords, insurance companies and others use to determine credit worthiness. The event provides the FICO credit score used in 90 percent of lending decisions.

Additionally, to receive a more in-depth review and action plan to help improve or build credit, residents can sign up for free, follow-up credit counseling, an ongoing service offered by OnTrack WNC in Brevard thanks to support from United Way.


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