What Credit Bureau Does RBFCU Use?- Know More

Randolph-Brooks Federal Credit Union, well-known as RBFCU, is an American union credit. This union ranked as the second-largest credit union in Texas. Headquarters located in Live Oak, Texas, United States of America. Founded in 1952, Christopher W. O’Connor is the CEO and President of Randolph-Brooks Federal Credit Union.What Credit Bureau Does RBFCU Use? National Credit Union Administration (NCUA) handles and operates RBFCU. RBFCU Services LLC is the parent of Randolph-Brooks Federal Credit Union. It is a financial partner to every customer. RBFCU services offer online and offline banking. 

What Credit Bureau Does RBFCU Use?

Credit Bureau of RBFCU

The collecting of data from users by various agencies is called Credit Bureau. The information collected is sent to different agencies in the world. In the United States, data is sent to the consumer reporting agencies, credit reporting body agencies in Australia, India’s credit information company, credit reference agency in the United Kingdom, and Special accessing entities agency in the Philippines. 

What Credit Bureau Does RBFCU Use?RBFCU uses a credit bureau. Before giving loans, RBFCU looks deep into the credit reports and FICO score. It refers to the credit reports generated by TransUnion, Equifax, and Experian. Bureau of Federal Credit approves RBFCU. Before applying for a credit card and loans, one must open an account in RBFCU. The services collect name, email address, social security number, residential address, PIN, city, state, type of resident, employment status, job, duration of employment, gross income. The company also collects Credit history, mortgages, and loans taken previously. RBFCU checks the loans the person has taken from various banks and the credit score whether he/her is eligible to pay back. The more the credit score, the more the loans you get at a low-interest rate. The minimum credit score to borrow a loan should be more than 580. RBFCU offers an APR of 1.95% on automobiles. 

APR of 7.70% on the line of credit, is one of the lowest APR on credit. To get cash back rewards on credit APR is 13.90%, and the premium APR is 7.700% on credit. RBFCU offers interest based on the credit score. Based on credit score, one can get eligible for the RBFCU Mastercard. The company charges no annual fee. For balance transfers, it has 0% APR. No fee taken on foreign transactions, 2% cashback rewards on Master credit cards. 

How to check credit score?

You can check credit scores and credit reports from the government official website annualcreditreport.com for free. It gives information from bureaus like Equifax, Experian, and TransUnion, which are trusted private agencies. The credit reports are used for taking loans from various financial services at low interest. 

Steps to check your Credit Reports

  1. Go to the AnnualCreditReport.com. 
  2.  Add your personal information and required documents, the uploaded data must be true, or else it may affect your score in the illegal action.
  3.  After uploading, you have to verify through your mobile number. After verifying, you can see your reports.
  4.  You can save and download a copy of credential reports.

You can also get your credit report by calling 1-877-322-8228 to get the credit report. You can also get it mailed by submitting a request to the annual credit report request service to post box 105281 Atlanta, GA 30348-5281. The mail process may take a longer time to 2 weeks. You can also get your credit report from a bank that denies your application for a loan. The credit score is calculated based on payment history, which operates for 35% of your score, 10% based on new credit activity, 10% type of account, 30% how much money you borrowed from banks in the form of loans, and 15% depending on the length of credit history.

What do RBFCU services do?

RBFCU offers customers to take membership cards, banking, personal and business credit cards, vehicle loans, student loans, home loans, insurance, and Medicare. It also provides VA loans, consumer lending, business lending, member service, mortgages, money market, savings, checking, mobile banking, identity theft coverage, IRA, retirement, and personal loans. RBFCU helped more than 850,000 people. It also benefits retired employees. 


Randolph-Brooks Federal Credit Union is one of the largest credit unions in the United States of America. For people starting a new small business, RBFCU is a great choice. RBFCU federal government service helps in the business growth. By using RBFCU cards, customers can get exclusive offers for traveling. RBFCU offers 3.314% APR on mortgages, 2.661% on home equity. Services helped customers with $9.2 billion till today. More than 2000 employees work under the union. RBFCU is a friendly financial service with a low-interest rate.

Frequently asked questions

1.Who are the competitors of RBFCU?

A.Pentagon Federal Credit Union and Navy Army Federal Credit Union are the biggest competitors of RBFCU.

2.Can we trust RBFCU?

A.Yes, one can trust RBFCU because it gives high security, and warranty issues.

What Credit Bureau Does RBFCU Use?- Know More

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