Applicants with Firstmark Credit Union must have a minimum credit score of 680 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.

In the application process, we will also review how much debt you have in comparison to the income you receive (debt to income ratio). 

You must not have any bankruptcies or public records from within the last three years on your report unless the public records are of paid civil judgments or paid tax liens.

You must not have any accounts that are currently delinquent.

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

Additionally, the credit score Firstmark 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.