Financial Wellness Rise

FINANCIAL WELLNESS

RISE gives you the tools to get you there

Free Tools to Build Your Credit

You can’t improve your credit without first knowing where you’re at and where you need to go. Which means before anything else, take the time to check your score and get credit alerts today. It’s free with Credit Score Plus!

Don’t understand all of these terms? That’s okay! Check out our Financial Terms Glossary for more information.

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Receive Free Credit Alerts

Credit Score Plus allows you to instantly check your TransUnion credit score for free. No purchase or credit card required!
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What’s a Credit Score

Your credit score impacts whether you’re approved or denied for credit and even whether you qualify for getting utilities...
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Build Better Money Habits

Knowing smart money habits leads to a brighter financial future. And our financial tools, along with a better understanding of your finances, will make managing your money easier.
Financial wellness - Build better money habits

Budgeting

Use this free budgeting tool to help you start tracking your money and see exactly where your money is going every month.
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Savings

Get help setting saving goals so you can manage life’s unexpected surprises with this free download.
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Debt Management

Manage debt better by using this interactive tracker. Just enter your information and watch it go to work.
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Stay Informed

These quick reference videos help cover the basics of borrowing, saving, and spending so that you can feel confident when making choices that impact your financial future.

Your Questions Answered

What is a credit score?
What is a credit report?
How do I get and keep good credit?
How do I get a copy of my credit report?
What should I look for in my credit report? What are a few of the common credit report errors?
How do I dispute an error on my credit report?
RISE sent me an offer that I did not request. Will my credit score be damaged by you getting my name from a credit reporting agency and sending me an offer?
You say that taking out a RISE loan can help rebuild my credit, but I have also heard using alternative credit products can hurt my credit. Which is true?
What is a credit score?

Simply put, your credit score is the number used to predict how likely you are to pay back a loan and whether you will pay on time. Your credit score starts with the information about you from your credit report. A mathematical formula – called a scoring model – is then used to create your credit score.

Credit scores are used by companies to make decisions such as whether to approve a mortgage at a certain rate or issue a credit card. Different lenders use different scoring formulas, so your score can vary. Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate. Most scores range from 300-850.

Remember: It’s just a score. It doesn’t define you. And credit scores can change. Lenders use a wide variety of scoring models and data to determine your likelihood to pay back your loan on time. But one thing is constant – the better your credit score, the better interest rates you will receive. So your goal, no matter your score, should be to get it as high as you can by paying on-time if possible.