Good Credit Habits to Help Protect Your Financial Future - Advantage Credit Union

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Physical Address: 700 Stumbo Road, Ontario, Ohio 44906 
Mailing Address: P.O. Box 2674, Mansfield, Ohio 44906
Hours: Monday - Friday from 8 a.m. - 5 p.m.
               Saturday from 9 a.m. - 1 p.m. in the Drive-Thru only
Phone: 419-529-5603
24/7 Automated Teller Voice Response System: 419-529-5603, option 1
Fax: 419-529-5068


  • Advantage Credit Union - Ontario Office, 700 Stumbo Road, Ontario, OH
  • Advantage Credit Union - Lexington Avenue Kiosk, 270 Lexington Avenue near Shaw Ott Medical, Mansfield, OH
  • Advantage Credit Union - Ashland Road Kiosk, 860 Ashland Road near Boliantz Hardware, Mansfield, OH
  • Mansfield Municipal Court Building, 30 N. Diamond St. (open during business hours only), Mansfield, OH

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Good Credit Habits to Help Protect Your Financial Future

Good Credit Habits to Help Protect Your Financial Future

Good Credit Habits to Help Protect Your Financial Future

August 29, 2023

Periodically reviewing your credit report and credit score is an important step to better protect and improve your financial health. Follow these tips to develop good credit habits throughout the year that will help you stay on track with your goals and help protect your identity.

Good Credit Habit #1: Review your credit report and credit score at least three times per year. 

A credit report is a record of your credit history, including any loans or credit cards you have and how you have managed them. Credit reporting agencies use this information to calculate your credit score, which is a three-digit number that represents your creditworthiness. You can obtain a copy of your credit reports from each of the three reporting agencies at or by calling 1-877-322-8228. You may also request a 3-in-1 credit report every 90 days or upon receipt of a credit alert if you have an Advantage Secure Checking account and have registered with IDProtect®. 

By reviewing your credit report regularly, you can make sure that all the information is accurate and up-to-date. This can help you detect errors or fraud that could be hurting your credit score.

Good Credit Habit #2: Have a plan to maintain and improve your credit score over time.

Managing your credit score is also important because it can affect your ability to get approved for loans or credit cards, and can even impact your ability to rent an apartment or get a job. By making on-time payments, keeping your balances low, and avoiding opening too many new accounts at once, you can improve your credit score over time.

Having a good credit score can also save you money in the long run, as you may qualify for lower interest rates on loans or credit cards. Whether you are trying to improve your ability to obtain credit, build good credit to buy a home, or get out of debt, set realistic goals and develop a plan to achieve them. Monitoring your credit report and score will help you stay on track. Some examples of financial goals are:

Good Credit Habit #3: Activate credit monitoring with alerts so that you can react quickly to potential errors or fraud that may endanger your identity and your financial accounts.

Credit monitoring is a service that allows you to keep track of your credit report and credit score on an ongoing basis. It offers several benefits, including:

Overall, credit monitoring, along with regular review of your credit report and score, can provide you with the power to take control of your financial health and help protect yourself and your family against fraud and identity theft. 

Remember, Advantage Secure Checking accounts provide you with complimentary access to continuous credit monitoring, including alerts, to help you keep track of your credit file – don’t forget to register to activate this service. Following activation, if you receive an alert for activity that doesn’t look familiar, one phone call can put you in touch with a professional Identity Theft Recovery Advocate who can help you dispute fraudulent credit activity and more to keep your credit and your identity YOURS!

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Physical Address:
700 Stumbo Rd.
Ontario, OH 44906
Mailing Address:
P.O. Box 2674
Mansfield, OH 44906

Phone: (419) 529-5603
Fax: (419) 529-5068

Hours of Operation:
Monday-Friday: 8 AM-5 PM
(Lobby & Drive-Thru)
Saturday: 9 AM-1 PM
(Drive-Thru Only)

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