Applicants for Express Signature loans need a minimum credit score of 640 as reported by a consumer reporting agency. Note, we do accept applicants with insufficient credit history to produce a credit score.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding.  For more information about material adverse changes, please see here.  

We also check to see how much debt you have in comparison to the income you receive.

You must not have any bankruptcies, or public records from within the last 5 years on your report unless the public records consist only of paid civil judgments or paid tax liens;

You must also not have on your report any accounts that are currently delinquent, in collections, or have past due amounts.

You must not have any accounts that have moved to collections or been partially or wholly charged-off within the last 3 years unless such account (i) is at least 1 years old, (ii) has an industry type government, utilities, cellular, or medical accounts, and (iii) if  charged-off, has an unpaid balance under $1,000

You must have fewer than 6 inquiries on your credit report in the last 6 months, not including any inquiries related to student loans, vehicle loans, or mortgages.

Additionally, the credit score KEMBA Financial Credit Union receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method.

If you believe there are errors on your credit report, please contact TransUnion.

Name: TransUnion

Address: P.O. Box 2000, Chester, PA. 19022

Telephone number: 1-800-916-8800

The information above relates to borrowers publishing on our platform on or after April 23, 2014.