Skip to main content
Open an Account
Love Where You Bank
Marquette Bank History
Marquette National Corporation
Branches & ATMs
Lost or Stolen Card
Pandemic Information Center
Go to our homepage
Login to Online Banking
Online Banking for Business
TransLink Merchant Services
PAL (Portfolio Account Link)
Business Remote Deposit
ELAN Credit Card Cardmember Services
Online Bill Pay
Alerts & Notifications
Mobile Banking & Check Deposits
Mobile Payments with Zelle®
Telephone Automated System
Debit Cards & Free ATMs
Savings & Money Market
CDs & IRAs
Safe Deposit Box
Business Savings & Money Market
Small Business Bundle
Small Business Services
Business Credit Cards
Merchant Payment Processing
Shop Local Discount Network
Home Finance Resource Center
Home Financing App
Home Buyer Grants
Find a Mortgage Specialist
Home Finance Resource Center
Articles & Insights For You
Trust & Investment Management
Marquette Wealth Management
Marquette Insurance Services
Marquette Neighborhood Commitment
Marquette Education Foundation Scholarship Program
7 Tips for Improving Your Credit Score
An important step to owning a home is ensuring that you have a good credit history. We would like to suggest the following tips to improve your credit score.
Request a copy of your credit score report – and make sure it is correct.
Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for other loans – such as a mortgage. Everyone is entitled to receive a free copy of his or her credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission’s website at
, or call 1-877-322-8228.
Note that you may have to pay for the numerical credit score itself.
Set up automatic bill pay.
Payment history makes up 32 percent of your VantageScore credit score and 35 percent of your FICO credit score. The longer you pay your bills on time, the better your score. Avoid missed payments by setting as many of your bills to automatic pay as possible.
Build credit through renting.
VantageScore’s scoring model, created by the three major credit bureaus, will now weigh rent and utility payment records. This will allow it to score as many as 35 million people who previously couldn’t get a credit score.
Keep balances low on credit cards and ‘revolving credit.’
Racking up big balances on credit cards can hurt your scores, regardless of whether you pay your bills in full each month. You often can increase your scores by limiting your charges to 30 percent or less of a card's limit.
Apply for and open new credit accounts only as needed.
Keep this in mind the next time a retailer offers you 10 percent off if you open an account.
However, if you need a new line of credit, don’t jump at the first appealing offer; compare rates and fees offered through mail solicitation, on the Internet or at your local bank.
Don’t close old, paid off accounts.
According to FICO, closing accounts can never help your score and can in fact damage it.
Talk to credit counselors if you’re in trouble.
Using legitimate, non-profit credit counseling can help you manage your debt and won’t hurt your credit score. Find more information on debt management by viewing the National Foundation for Consumer Credit website at
Remember, Marquette Bank is here to help you with your credit score to help you get on the path to home ownership. For more information and help with your credit, come into one of our branches and speak with our friendly and helpful personal bankers. You can also call us for help over the phone at 888-254-9500.
Once you are ready you can contact one of our dependable Mortgage Specialists at 708-364-2525 or email any questions to
Contact Us Today:
Help me with (required):
Mortgage Refinance Analysis
New Mortgage Prequalification
Home Buyer Down Payment Assistance
Home Improvement Loan
Home Equity Loan/Line
New Construction Rate Lock
Jumbo Mortgage Loan
I have questions
Speedbump Modal Called Incorrectly!